| 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 | 5.8737% | 745 |
| Cost of funding earning assets | 2.2753% | 568 |
| Net interest margin | 3.5984% | 1,973 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.1251% | 3,335 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.4946% | 1,030 |
| Return on assets (ROA) | 1.4740% | 1,044 |
| Pretax return on assets | 1.6370% | 1,170 |
| Return on Equity (ROE) | 15.1900% | 1,251 |
| Retained earnings to average equity (ytd only) | 7.3998% | 1,754 |
| Net charge-offs to loans | 0.0102% | 2,266 |
| Credit loss provision to net charge-offs | 246.1538% | 1,080 |
| Earnings coverage of net charge-offs (x) | 203.0769% | 583 |
| Efficiency ratio | 55.7451% | 3,525 |
| Assets per employee ($millions) | 7.8217% | 1,527 |
| Cash dividends to net income (ytd only)* | 51.2953% | 1,569 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0806% | 2,931 |
| Loan loss allowance to noncurrent loans | 993.7500% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 2,945 |
| Noncurrent loans to loans | 0.1087% | 2,990 |
| Net loans and leases to total assets | 79.7500% | 670 |
| Net loans and leases to deposits | 95.5562% | 822 |
| Net loans and leases to core deposits | 100.1644% | 1,422 |
| Total domestic deposits to total assets | 83.4600% | 2,760 |
| Equity capital to assets | 9.6983% | 2,199 |
| Core capital (leverage) ratio | 9.7808% | 2,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $157,120,400 | 3,301 |
| Average earning assets | $150,093,000 | 3,249 |
| Average equity | $15,243,600 | 3,246 |
| Average total loans | $127,334,400 | 2,879 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7514% | 733 |
| Cost of funding earning assets | 2.0904% | 604 |
| Net interest margin | 3.6611% | 1,861 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.1664% | 3,161 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.4935% | 1,139 |
| Return on assets (ROA) | 1.4660% | 1,180 |
| Pretax return on assets | 1.6428% | 1,277 |
| Return on Equity (ROE) | 15.1100% | 1,424 |
| Retained earnings to average equity (ytd only) | 4.6000% | 3,069 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.2026% | 3,387 |
| Assets per employee ($millions) | 7.6015% | 1,565 |
| Cash dividends to net income (ytd only)* | 69.5550% | 673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0870% | 2,924 |
| Loan loss allowance to noncurrent loans | 445.4545% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.1998% | 2,271 |
| Noncurrent loans to loans | 0.2440% | 2,374 |
| Net loans and leases to total assets | 81.0000% | 540 |
| Net loans and leases to deposits | 96.9819% | 686 |
| Net loans and leases to core deposits | 100.8423% | 1,272 |
| Total domestic deposits to total assets | 83.5200% | 2,903 |
| Equity capital to assets | 9.4091% | 2,150 |
| Core capital (leverage) ratio | 9.7175% | 3,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $155,336,750 | 3,325 |
| Average earning assets | $148,550,500 | 3,273 |
| Average equity | $15,072,000 | 3,250 |
| Average total loans | $126,060,750 | 2,892 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6097% | 720 |
| Cost of funding earning assets | 1.9659% | 532 |
| Net interest margin | 3.6439% | 1,928 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.1507% | 3,214 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4663% | 1,175 |
| Return on assets (ROA) | 1.4411% | 1,219 |
| Pretax return on assets | 1.6309% | 1,357 |
| Return on Equity (ROE) | 14.7000% | 1,528 |
| Retained earnings to average equity (ytd only) | 9.2383% | 1,618 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.2756% | 3,386 |
| Assets per employee ($millions) | 7.3832% | 1,677 |
| Cash dividends to net income (ytd only)* | 37.1506% | 1,816 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0926% | 2,987 |
| Loan loss allowance to noncurrent loans | 464.8026% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.1961% | 2,210 |
| Noncurrent loans to loans | 0.2351% | 2,319 |
| Net loans and leases to total assets | 82.4900% | 379 |
| Net loans and leases to deposits | 99.3900% | 547 |
| Net loans and leases to core deposits | 102.1630% | 1,123 |
| Total domestic deposits to total assets | 83.0000% | 3,048 |
| Equity capital to assets | 9.9176% | 1,903 |
| Core capital (leverage) ratio | 10.1122% | 2,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $153,905,000 | 3,350 |
| Average earning assets | $147,315,000 | 3,303 |
| Average equity | $15,089,333 | 3,260 |
| Average total loans | $124,505,333 | 2,902 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4959% | 627 |
| Cost of funding earning assets | 1.8456% | 413 |
| Net interest margin | 3.6503% | 2,014 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.1861% | 3,133 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3671% | 1,497 |
| Return on assets (ROA) | 1.3356% | 1,549 |
| Pretax return on assets | 1.5469% | 1,580 |
| Return on Equity (ROE) | 13.7000% | 1,833 |
| Retained earnings to average equity (ytd only) | 9.6082% | 1,789 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.6471% | 3,227 |
| Assets per employee ($millions) | 7.2435% | 1,790 |
| Cash dividends to net income (ytd only)* | 29.8828% | 1,740 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1410% | 2,850 |
| Loan loss allowance to noncurrent loans | 1,148.7805% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 2,993 |
| Noncurrent loans to loans | 0.0993% | 3,047 |
| Net loans and leases to total assets | 80.4900% | 495 |
| Net loans and leases to deposits | 95.5730% | 675 |
| Net loans and leases to core deposits | 98.7594% | 1,141 |
| Total domestic deposits to total assets | 84.2100% | 3,053 |
| Equity capital to assets | 9.9741% | 1,833 |
| Core capital (leverage) ratio | 9.9053% | 2,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $153,334,000 | 3,394 |
| Average earning assets | $146,727,000 | 3,343 |
| Average equity | $14,945,500 | 3,309 |
| Average total loans | $122,098,500 | 2,953 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4312% | 830 |
| Cost of funding earning assets | 0.9726% | 182 |
| Net interest margin | 3.4586% | 2,069 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.0104% | 3,557 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.5440% | 788 |
| Return on assets (ROA) | 1.5185% | 814 |
| Pretax return on assets | 1.6671% | 1,004 |
| Return on Equity (ROE) | 16.4600% | 969 |
| Retained earnings to average equity (ytd only) | 7.7262% | 1,947 |
| Net charge-offs to loans | 0.0407% | 1,291 |
| Credit loss provision to net charge-offs | 65.2174% | 1,748 |
| Earnings coverage of net charge-offs (x) | 57.2174% | 1,290 |
| Efficiency ratio | 53.4453% | 3,840 |
| Assets per employee ($millions) | 7.7277% | 1,470 |
| Cash dividends to net income (ytd only)* | 53.0674% | 1,264 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1732% | 2,519 |
| Loan loss allowance to noncurrent loans | 2,434.4828% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 3,425 |
| Noncurrent loans to loans | 0.0482% | 3,410 |
| Net loans and leases to total assets | 76.9600% | 901 |
| Net loans and leases to deposits | 90.6632% | 1,001 |
| Net loans and leases to core deposits | 92.0233% | 1,391 |
| Total domestic deposits to total assets | 84.8800% | 3,027 |
| Equity capital to assets | 9.5235% | 1,986 |
| Core capital (leverage) ratio | 9.4774% | 3,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $153,501,800 | 3,408 |
| Average earning assets | $146,618,600 | 3,355 |
| Average equity | $14,159,600 | 3,450 |
| Average total loans | $112,985,600 | 2,999 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1730% | 936 |
| Cost of funding earning assets | 0.7947% | 157 |
| Net interest margin | 3.3783% | 2,045 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 1.9577% | 3,598 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.5309% | 777 |
| Return on assets (ROA) | 1.5174% | 790 |
| Pretax return on assets | 1.6592% | 980 |
| Return on Equity (ROE) | 16.5900% | 876 |
| Retained earnings to average equity (ytd only) | 4.8216% | 3,157 |
| Net charge-offs to loans | 0.0564% | 919 |
| Credit loss provision to net charge-offs | 63.8298% | 1,477 |
| Earnings coverage of net charge-offs (x) | 41.5745% | 1,372 |
| Efficiency ratio | 52.9734% | 3,916 |
| Assets per employee ($millions) | 7.4745% | 1,627 |
| Cash dividends to net income (ytd only)* | 70.9289% | 601 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1867% | 2,601 |
| Loan loss allowance to noncurrent loans | 681.6425% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 2,689 |
| Noncurrent loans to loans | 0.1741% | 2,721 |
| Net loans and leases to total assets | 74.8500% | 1,026 |
| Net loans and leases to deposits | 87.5332% | 1,062 |
| Net loans and leases to core deposits | 88.8102% | 1,371 |
| Total domestic deposits to total assets | 85.5100% | 3,172 |
| Equity capital to assets | 8.8217% | 2,336 |
| Core capital (leverage) ratio | 9.3411% | 3,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $153,238,750 | 3,437 |
| Average earning assets | $146,301,750 | 3,382 |
| Average equity | $14,019,750 | 3,505 |
| Average total loans | $111,143,500 | 3,030 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9247% | 1,068 |
| Cost of funding earning assets | 0.6613% | 196 |
| Net interest margin | 3.2635% | 2,015 |
| Noninterest income to average assets | 0.4013% | 2,748 |
| Noninterest expense to average assets | 1.9382% | 3,608 |
| Loan and lease loss provision to assets | 0.0395% | 1,873 |
| Net operating income to assets | 1.4040% | 897 |
| Return on assets (ROA) | 1.4040% | 872 |
| Pretax return on assets | 1.5342% | 1,092 |
| Return on Equity (ROE) | 15.1591% | 860 |
| Retained earnings to average equity (ytd only) | 7.2457% | 1,896 |
| Net charge-offs to loans | 0.0553% | 834 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 39.8667% | 1,260 |
| Efficiency ratio | 54.6272% | 3,901 |
| Assets per employee ($millions) | 7.2276% | 1,789 |
| Cash dividends to net income (ytd only)* | 52.2024% | 1,283 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2569% | 2,398 |
| Loan loss allowance to noncurrent loans | 442.1053% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.2128% | 2,255 |
| Noncurrent loans to loans | 0.2843% | 2,327 |
| Net loans and leases to total assets | 73.9154% | 928 |
| Net loans and leases to deposits | 87.6852% | 858 |
| Net loans and leases to core deposits | 88.8393% | 1,182 |
| Total domestic deposits to total assets | 84.2962% | 3,626 |
| Equity capital to assets | 9.3320% | 2,139 |
| Core capital (leverage) ratio | 9.4858% | 2,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $151,996,667 | 3,478 |
| Average earning assets | $144,876,000 | 3,449 |
| Average equity | $14,077,333 | 3,579 |
| Average total loans | $108,558,667 | 3,084 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8862% | 944 |
| Cost of funding earning assets | 0.6297% | 220 |
| Net interest margin | 3.2565% | 1,696 |
| Noninterest income to average assets | 0.4050% | 2,650 |
| Noninterest expense to average assets | 1.9539% | 3,548 |
| Loan and lease loss provision to assets | 0.0789% | 1,042 |
| Net operating income to assets | 1.4727% | 673 |
| Return on assets (ROA) | 1.4727% | 666 |
| Pretax return on assets | 1.4727% | 1,070 |
| Return on Equity (ROE) | 15.9612% | 541 |
| Retained earnings to average equity (ytd only) | 6.8405% | 1,942 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2138% | 3,947 |
| Assets per employee ($millions) | 7.5225% | 1,667 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,111 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3576% | 2,081 |
| Loan loss allowance to noncurrent loans | 2,430.0000% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 3,633 |
| Noncurrent loans to loans | 0.0559% | 3,582 |
| Net loans and leases to total assets | 70.4119% | 980 |
| Net loans and leases to deposits | 83.4974% | 920 |
| Net loans and leases to core deposits | 84.6781% | 1,211 |
| Total domestic deposits to total assets | 84.3282% | 3,698 |
| Equity capital to assets | 9.3048% | 2,437 |
| Core capital (leverage) ratio | 9.2213% | 3,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $152,105,500 | 3,492 |
| Average earning assets | $144,819,500 | 3,465 |
| Average equity | $14,034,000 | 3,654 |
| Average total loans | $106,030,000 | 3,109 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4831% | 616 |
| Cost of funding earning assets | 0.6939% | 335 |
| Net interest margin | 3.7892% | 1,035 |
| Noninterest income to average assets | 0.9853% | 1,031 |
| Noninterest expense to average assets | 2.0541% | 3,520 |
| Loan and lease loss provision to assets | 0.1136% | 1,108 |
| Net operating income to assets | 2.2000% | 244 |
| Return on assets (ROA) | 2.2000% | 254 |
| Pretax return on assets | 2.4405% | 279 |
| Return on Equity (ROE) | 23.2971% | 163 |
| Retained earnings to average equity (ytd only) | 7.1443% | 1,866 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1181% | 4,571 |
| Assets per employee ($millions) | 7.3220% | 1,709 |
| Cash dividends to net income (ytd only)* | 69.3338% | 760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3643% | 2,074 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 67.1427% | 1,357 |
| Net loans and leases to deposits | 79.3482% | 1,266 |
| Net loans and leases to core deposits | 80.4394% | 1,560 |
| Total domestic deposits to total assets | 84.6178% | 3,390 |
| Equity capital to assets | 9.1499% | 3,459 |
| Core capital (leverage) ratio | 9.1724% | 3,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $142,593,000 | 3,560 |
| Average earning assets | $136,334,000 | 3,516 |
| Average equity | $13,465,200 | 3,792 |
| Average total loans | $102,985,800 | 3,161 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0695% | 1,372 |
| Cost of funding earning assets | 0.7081% | 369 |
| Net interest margin | 3.3614% | 2,264 |
| Noninterest income to average assets | 1.1292% | 892 |
| Noninterest expense to average assets | 2.0028% | 3,663 |
| Loan and lease loss provision to assets | 0.1259% | 929 |
| Net operating income to assets | 2.2241% | 311 |
| Return on assets (ROA) | 2.2241% | 329 |
| Pretax return on assets | 2.2241% | 521 |
| Return on Equity (ROE) | 23.3528% | 240 |
| Retained earnings to average equity (ytd only) | 1.5722% | 4,299 |
| Net charge-offs to loans | 0.0013% | 2,379 |
| Credit loss provision to net charge-offs | 13,200.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 2,464.0000% | 57 |
| Efficiency ratio | 45.5083% | 4,527 |
| Assets per employee ($millions) | 7.1703% | 1,754 |
| Cash dividends to net income (ytd only)* | 93.2676% | 244 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3274% | 2,359 |
| Loan loss allowance to noncurrent loans | 4,989.2857% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 4,066 |
| Noncurrent loans to loans | 0.0266% | 4,004 |
| Net loans and leases to total assets | 72.4159% | 833 |
| Net loans and leases to deposits | 86.8040% | 780 |
| Net loans and leases to core deposits | 87.7124% | 1,167 |
| Total domestic deposits to total assets | 83.4246% | 3,604 |
| Equity capital to assets | 9.2744% | 3,590 |
| Core capital (leverage) ratio | 8.8950% | 3,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $139,800,750 | 3,629 |
| Average earning assets | $134,067,250 | 3,576 |
| Average equity | $13,314,250 | 3,852 |
| Average total loans | $102,565,250 | 3,209 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1088% | 1,329 |
| Cost of funding earning assets | 0.7170% | 427 |
| Net interest margin | 3.3918% | 2,163 |
| Noninterest income to average assets | 1.3665% | 636 |
| Noninterest expense to average assets | 2.0606% | 3,522 |
| Loan and lease loss provision to assets | 0.1385% | 880 |
| Net operating income to assets | 2.4098% | 243 |
| Return on assets (ROA) | 2.4098% | 260 |
| Pretax return on assets | 2.4098% | 408 |
| Return on Equity (ROE) | 25.0770% | 188 |
| Retained earnings to average equity (ytd only) | -4.3246% | 4,766 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2392% | 4,600 |
| Assets per employee ($millions) | 6.5739% | 2,108 |
| Cash dividends to net income (ytd only)* | 117.2455% | 183 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3301% | 2,290 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 69.8111% | 1,220 |
| Net loans and leases to deposits | 83.1501% | 1,119 |
| Net loans and leases to core deposits | 84.1824% | 1,544 |
| Total domestic deposits to total assets | 83.9579% | 3,457 |
| Equity capital to assets | 8.9037% | 3,884 |
| Core capital (leverage) ratio | 8.8024% | 3,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $138,599,333 | 3,649 |
| Average earning assets | $132,496,000 | 3,604 |
| Average equity | $13,319,000 | 3,863 |
| Average total loans | $101,672,000 | 3,232 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1085% | 1,363 |
| Cost of funding earning assets | 0.7369% | 475 |
| Net interest margin | 3.3716% | 2,184 |
| Noninterest income to average assets | 2.2716% | 303 |
| Noninterest expense to average assets | 2.2244% | 3,029 |
| Loan and lease loss provision to assets | 0.1416% | 939 |
| Net operating income to assets | 3.1183% | 140 |
| Return on assets (ROA) | 3.1183% | 153 |
| Pretax return on assets | 3.1183% | 211 |
| Return on Equity (ROE) | 31.2260% | 120 |
| Retained earnings to average equity (ytd only) | 19.2024% | 308 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1291% | 4,736 |
| Assets per employee ($millions) | 6.2635% | 2,357 |
| Cash dividends to net income (ytd only)* | 38.5052% | 1,436 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2647% | 2,588 |
| Loan loss allowance to noncurrent loans | 673.8462% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.1415% | 3,467 |
| Noncurrent loans to loans | 0.1877% | 3,432 |
| Net loans and leases to total assets | 74.4467% | 775 |
| Net loans and leases to deposits | 89.9964% | 698 |
| Net loans and leases to core deposits | 90.9789% | 1,171 |
| Total domestic deposits to total assets | 82.7218% | 3,756 |
| Equity capital to assets | 10.0350% | 2,674 |
| Core capital (leverage) ratio | 9.9460% | 2,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $135,586,000 | 3,687 |
| Average earning assets | $129,196,000 | 3,640 |
| Average equity | $13,540,000 | 3,840 |
| Average total loans | $101,345,000 | 3,238 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8650% | 642 |
| Cost of funding earning assets | 1.0075% | 580 |
| Net interest margin | 3.8576% | 1,340 |
| Noninterest income to average assets | 0.9829% | 1,077 |
| Noninterest expense to average assets | 2.1573% | 3,797 |
| Loan and lease loss provision to assets | 0.1358% | 2,665 |
| Net operating income to assets | 2.3262% | 166 |
| Return on assets (ROA) | 2.3432% | 175 |
| Pretax return on assets | 2.3432% | 241 |
| Return on Equity (ROE) | 23.4600% | 131 |
| Retained earnings to average equity (ytd only) | 12.4705% | 277 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1767% | 4,712 |
| Assets per employee ($millions) | 6.3511% | 2,046 |
| Cash dividends to net income (ytd only)* | 46.8437% | 2,020 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2815% | 2,508 |
| Loan loss allowance to noncurrent loans | 9,738.4615% | 117 |
| Noncurrent assets plus other real estate owned to assets | 1.0077% | 939 |
| Noncurrent loans to loans | 0.0132% | 4,319 |
| Net loans and leases to total assets | 73.1207% | 1,143 |
| Net loans and leases to deposits | 88.2938% | 1,059 |
| Net loans and leases to core deposits | 89.4937% | 1,567 |
| Total domestic deposits to total assets | 82.8152% | 3,462 |
| Equity capital to assets | 9.9360% | 3,192 |
| Core capital (leverage) ratio | 9.6147% | 2,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $123,720,600 | 3,701 |
| Average earning assets | $116,627,800 | 3,671 |
| Average equity | $12,357,200 | 3,938 |
| Average total loans | $96,497,000 | 3,287 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7740% | 921 |
| Cost of funding earning assets | 1.0724% | 591 |
| Net interest margin | 3.7016% | 1,935 |
| Noninterest income to average assets | 0.9200% | 1,173 |
| Noninterest expense to average assets | 2.0839% | 3,981 |
| Loan and lease loss provision to assets | 0.1319% | 2,699 |
| Net operating income to assets | 2.1905% | 206 |
| Return on assets (ROA) | 2.2136% | 220 |
| Pretax return on assets | 2.2136% | 334 |
| Return on Equity (ROE) | 22.1310% | 173 |
| Retained earnings to average equity (ytd only) | 7.2085% | 1,610 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7199% | 4,677 |
| Assets per employee ($millions) | 6.1805% | 2,109 |
| Cash dividends to net income (ytd only)* | 67.4280% | 895 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2302% | 2,501 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1449% | 907 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 75.3440% | 1,185 |
| Net loans and leases to deposits | 93.2621% | 986 |
| Net loans and leases to core deposits | 94.8312% | 1,557 |
| Total domestic deposits to total assets | 80.7874% | 3,702 |
| Equity capital to assets | 9.5362% | 3,657 |
| Core capital (leverage) ratio | 9.3699% | 3,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $121,307,250 | 3,722 |
| Average earning assets | $114,254,000 | 3,693 |
| Average equity | $12,133,500 | 3,966 |
| Average total loans | $95,923,750 | 3,307 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9167% | 945 |
| Cost of funding earning assets | 1.1658% | 572 |
| Net interest margin | 3.7509% | 1,987 |
| Noninterest income to average assets | 0.8103% | 1,405 |
| Noninterest expense to average assets | 2.1050% | 4,019 |
| Loan and lease loss provision to assets | 0.1215% | 2,817 |
| Net operating income to assets | 2.1033% | 263 |
| Return on assets (ROA) | 2.1033% | 294 |
| Pretax return on assets | 2.1033% | 436 |
| Return on Equity (ROE) | 20.6765% | 215 |
| Retained earnings to average equity (ytd only) | 11.1182% | 584 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0312% | 4,628 |
| Assets per employee ($millions) | 5.7902% | 2,383 |
| Cash dividends to net income (ytd only)* | 46.2279% | 1,670 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1785% | 2,616 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1665% | 945 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 77.0153% | 997 |
| Net loans and leases to deposits | 95.7786% | 818 |
| Net loans and leases to core deposits | 97.1491% | 1,486 |
| Total domestic deposits to total assets | 80.4098% | 3,750 |
| Equity capital to assets | 9.7555% | 3,419 |
| Core capital (leverage) ratio | 9.7734% | 3,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6813% | 2,743 |
| Memoranda: |
| Average total assets | $118,479,667 | 3,743 |
| Average earning assets | $111,172,333 | 3,721 |
| Average equity | $12,052,333 | 3,976 |
| Average total loans | $94,896,000 | 3,316 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1247% | 762 |
| Cost of funding earning assets | 1.3524% | 481 |
| Net interest margin | 3.7724% | 2,077 |
| Noninterest income to average assets | 0.8103% | 1,283 |
| Noninterest expense to average assets | 2.1469% | 4,122 |
| Loan and lease loss provision to assets | 0.0842% | 2,640 |
| Net operating income to assets | 2.1118% | 220 |
| Return on assets (ROA) | 2.1118% | 242 |
| Pretax return on assets | 2.1118% | 365 |
| Return on Equity (ROE) | 20.2950% | 155 |
| Retained earnings to average equity (ytd only) | 12.8445% | 335 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7884% | 4,722 |
| Assets per employee ($millions) | 5.4833% | 2,141 |
| Cash dividends to net income (ytd only)* | 36.7110% | 1,962 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1850% | 2,746 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2905% | 906 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 81.2495% | 535 |
| Net loans and leases to deposits | 100.2733% | 543 |
| Net loans and leases to core deposits | 102.2436% | 1,301 |
| Total domestic deposits to total assets | 81.0281% | 3,657 |
| Equity capital to assets | 10.4890% | 3,332 |
| Core capital (leverage) ratio | 10.1275% | 3,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $114,027,000 | 3,788 |
| Average earning assets | $106,776,000 | 3,776 |
| Average equity | $11,865,000 | 4,013 |
| Average total loans | $92,706,000 | 3,347 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2490% | 906 |
| Cost of funding earning assets | 1.6058% | 294 |
| Net interest margin | 3.6432% | 2,985 |
| Noninterest income to average assets | 0.6631% | 1,950 |
| Noninterest expense to average assets | 2.4335% | 3,609 |
| Loan and lease loss provision to assets | 0.0858% | 2,293 |
| Net operating income to assets | 1.5380% | 968 |
| Return on assets (ROA) | 1.6202% | 857 |
| Pretax return on assets | 1.6202% | 1,427 |
| Return on Equity (ROE) | 16.3416% | 498 |
| Retained earnings to average equity (ytd only) | 6.3005% | 1,717 |
| Net charge-offs to loans | 0.0035% | 3,550 |
| Credit loss provision to net charge-offs | 3,200.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 605.6667% | 164 |
| Efficiency ratio | 59.3172% | 3,790 |
| Assets per employee ($millions) | 5.9424% | 1,674 |
| Cash dividends to net income (ytd only)* | 61.4451% | 1,501 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2102% | 2,378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3162% | 831 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 79.3889% | 875 |
| Net loans and leases to deposits | 96.9341% | 845 |
| Net loans and leases to core deposits | 108.4134% | 950 |
| Total domestic deposits to total assets | 81.8998% | 3,533 |
| Equity capital to assets | 10.3202% | 3,614 |
| Core capital (leverage) ratio | 9.8447% | 3,681 |
| Tier 1 risk-based capital ratio | 11.9951% | 4,368 |
| Total risk-based capital ratio | 13.1841% | 4,278 |
| Memoranda: |
| Average total assets | $111,898,200 | 3,806 |
| Average earning assets | $104,248,200 | 3,801 |
| Average equity | $11,094,400 | 4,114 |
| Average total loans | $85,146,400 | 3,498 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2306% | 977 |
| Cost of funding earning assets | 1.6648% | 228 |
| Net interest margin | 3.5658% | 3,347 |
| Noninterest income to average assets | 0.6628% | 1,939 |
| Noninterest expense to average assets | 2.4637% | 3,524 |
| Loan and lease loss provision to assets | 0.0860% | 2,197 |
| Net operating income to assets | 1.4307% | 1,385 |
| Return on assets (ROA) | 1.5501% | 1,112 |
| Pretax return on assets | 1.5501% | 1,815 |
| Return on Equity (ROE) | 15.7975% | 640 |
| Retained earnings to average equity (ytd only) | 2.2394% | 4,188 |
| Net charge-offs to loans | -0.0064% | 4,266 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2061% | 3,449 |
| Assets per employee ($millions) | 5.9643% | 1,628 |
| Cash dividends to net income (ytd only)* | 85.8247% | 520 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2381% | 2,298 |
| Loan loss allowance to noncurrent loans | 371.1340% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 1.7049% | 599 |
| Noncurrent loans to loans | 0.3336% | 3,341 |
| Net loans and leases to total assets | 76.0239% | 1,476 |
| Net loans and leases to deposits | 91.4642% | 1,509 |
| Net loans and leases to core deposits | 92.9764% | 2,270 |
| Total domestic deposits to total assets | 83.1188% | 3,123 |
| Equity capital to assets | 9.8825% | 4,132 |
| Core capital (leverage) ratio | 9.3720% | 4,299 |
| Tier 1 risk-based capital ratio | 11.7461% | 4,550 |
| Total risk-based capital ratio | 12.9477% | 4,474 |
| Memoranda: |
| Average total assets | $111,646,500 | 3,852 |
| Average earning assets | $103,872,500 | 3,848 |
| Average equity | $10,955,000 | 4,167 |
| Average total loans | $83,750,000 | 3,566 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2336% | 921 |
| Cost of funding earning assets | 1.6540% | 228 |
| Net interest margin | 3.5795% | 3,340 |
| Noninterest income to average assets | 0.5851% | 2,218 |
| Noninterest expense to average assets | 2.3639% | 3,835 |
| Loan and lease loss provision to assets | 0.0864% | 2,115 |
| Net operating income to assets | 1.4583% | 1,269 |
| Return on assets (ROA) | 1.4367% | 1,379 |
| Pretax return on assets | 1.4367% | 2,081 |
| Return on Equity (ROE) | 14.6777% | 833 |
| Retained earnings to average equity (ytd only) | 8.3321% | 1,269 |
| Net charge-offs to loans | -0.0024% | 3,993 |
| Credit loss provision to net charge-offs | -4,800.0000% | 4,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7881% | 3,763 |
| Assets per employee ($millions) | 5.8691% | 1,644 |
| Cash dividends to net income (ytd only)* | 43.2331% | 2,085 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2345% | 2,336 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6733% | 633 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 75.5463% | 1,620 |
| Net loans and leases to deposits | 93.2191% | 1,352 |
| Net loans and leases to core deposits | 94.8245% | 2,174 |
| Total domestic deposits to total assets | 81.0417% | 3,796 |
| Equity capital to assets | 10.1307% | 3,854 |
| Core capital (leverage) ratio | 9.7709% | 3,860 |
| Tier 1 risk-based capital ratio | 12.4318% | 4,167 |
| Total risk-based capital ratio | 13.6418% | 4,067 |
| Memoranda: |
| Average total assets | $111,088,330 | 3,883 |
| Average earning assets | $103,141,670 | 3,884 |
| Average equity | $10,873,670 | 4,191 |
| Average total loans | $82,589,670 | 3,603 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2038% | 907 |
| Cost of funding earning assets | 1.6374% | 201 |
| Net interest margin | 3.5664% | 3,373 |
| Noninterest income to average assets | 0.5736% | 2,162 |
| Noninterest expense to average assets | 2.4099% | 3,747 |
| Loan and lease loss provision to assets | 0.0866% | 1,977 |
| Net operating income to assets | 1.3853% | 1,419 |
| Return on assets (ROA) | 1.3853% | 1,452 |
| Pretax return on assets | 1.3853% | 2,136 |
| Return on Equity (ROE) | 14.4063% | 879 |
| Retained earnings to average equity (ytd only) | 8.2911% | 1,553 |
| Net charge-offs to loans | -0.0049% | 4,022 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3383% | 3,635 |
| Assets per employee ($millions) | 5.7978% | 1,700 |
| Cash dividends to net income (ytd only)* | 42.4479% | 1,851 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2887% | 2,140 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0879% | 444 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 71.5484% | 2,243 |
| Net loans and leases to deposits | 88.0302% | 1,866 |
| Net loans and leases to core deposits | 89.5465% | 2,548 |
| Total domestic deposits to total assets | 81.2771% | 3,911 |
| Equity capital to assets | 9.8712% | 3,942 |
| Core capital (leverage) ratio | 9.6847% | 3,933 |
| Tier 1 risk-based capital ratio | 12.7707% | 3,999 |
| Total risk-based capital ratio | 14.0130% | 3,902 |
| Memoranda: |
| Average total assets | $110,876,000 | 3,923 |
| Average earning assets | $102,847,500 | 3,925 |
| Average equity | $10,662,000 | 4,245 |
| Average total loans | $81,236,000 | 3,668 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8432% | 1,440 |
| Cost of funding earning assets | 1.3312% | 193 |
| Net interest margin | 3.5120% | 3,664 |
| Noninterest income to average assets | 0.7323% | 1,721 |
| Noninterest expense to average assets | 2.2714% | 4,188 |
| Loan and lease loss provision to assets | 0.0907% | 2,333 |
| Net operating income to assets | 1.6629% | 750 |
| Return on assets (ROA) | 1.6629% | 747 |
| Pretax return on assets | 1.6629% | 1,268 |
| Return on Equity (ROE) | 17.3875% | 448 |
| Retained earnings to average equity (ytd only) | 7.3008% | 1,537 |
| Net charge-offs to loans | 0.0114% | 3,296 |
| Credit loss provision to net charge-offs | 1,066.6667% | 366 |
| Earnings coverage of net charge-offs (x) | 206.2222% | 444 |
| Efficiency ratio | 55.8920% | 4,421 |
| Assets per employee ($millions) | 5.8733% | 1,611 |
| Cash dividends to net income (ytd only)* | 58.0114% | 1,587 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1934% | 2,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0163% | 472 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 74.4868% | 1,842 |
| Net loans and leases to deposits | 91.7846% | 1,574 |
| Net loans and leases to core deposits | 93.0422% | 2,311 |
| Total domestic deposits to total assets | 81.1538% | 3,857 |
| Equity capital to assets | 9.3644% | 4,250 |
| Core capital (leverage) ratio | 9.4429% | 4,180 |
| Tier 1 risk-based capital ratio | 12.0319% | 4,411 |
| Total risk-based capital ratio | 13.1992% | 4,349 |
| Memoranda: |
| Average total assets | $105,836,600 | 4,006 |
| Average earning assets | $99,232,000 | 3,989 |
| Average equity | $10,122,200 | 4,279 |
| Average total loans | $78,945,600 | 3,688 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7064% | 1,659 |
| Cost of funding earning assets | 1.2409% | 202 |
| Net interest margin | 3.4655% | 3,818 |
| Noninterest income to average assets | 0.7203% | 1,790 |
| Noninterest expense to average assets | 2.1673% | 4,395 |
| Loan and lease loss provision to assets | 0.0920% | 2,140 |
| Net operating income to assets | 1.7139% | 719 |
| Return on assets (ROA) | 1.7139% | 723 |
| Pretax return on assets | 1.7139% | 1,241 |
| Return on Equity (ROE) | 17.8212% | 442 |
| Retained earnings to average equity (ytd only) | 4.2627% | 3,640 |
| Net charge-offs to loans | 0.0189% | 2,768 |
| Credit loss provision to net charge-offs | 654.5455% | 557 |
| Earnings coverage of net charge-offs (x) | 128.5133% | 623 |
| Efficiency ratio | 54.0662% | 4,609 |
| Assets per employee ($millions) | 5.6419% | 1,783 |
| Cash dividends to net income (ytd only)* | 76.0805% | 665 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1979% | 2,638 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0989% | 492 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 75.2474% | 1,774 |
| Net loans and leases to deposits | 92.0558% | 1,618 |
| Net loans and leases to core deposits | 93.3600% | 2,366 |
| Total domestic deposits to total assets | 81.7411% | 3,682 |
| Equity capital to assets | 9.2745% | 4,304 |
| Core capital (leverage) ratio | 9.4053% | 4,272 |
| Tier 1 risk-based capital ratio | 11.8937% | 4,558 |
| Total risk-based capital ratio | 13.0658% | 4,487 |
| Memoranda: |
| Average total assets | $104,397,500 | 4,065 |
| Average earning assets | $97,991,250 | 4,044 |
| Average equity | $10,040,250 | 4,330 |
| Average total loans | $77,650,500 | 3,743 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6114% | 1,747 |
| Cost of funding earning assets | 1.1894% | 188 |
| Net interest margin | 3.4220% | 3,891 |
| Noninterest income to average assets | 0.8389% | 1,354 |
| Noninterest expense to average assets | 2.1901% | 4,395 |
| Loan and lease loss provision to assets | 0.0715% | 2,459 |
| Net operating income to assets | 1.7861% | 596 |
| Return on assets (ROA) | 1.7861% | 600 |
| Pretax return on assets | 1.7861% | 996 |
| Return on Equity (ROE) | 18.3461% | 385 |
| Retained earnings to average equity (ytd only) | 10.5629% | 771 |
| Net charge-offs to loans | 0.0288% | 2,280 |
| Credit loss provision to net charge-offs | 336.3636% | 928 |
| Earnings coverage of net charge-offs (x) | 87.3636% | 768 |
| Efficiency ratio | 53.7249% | 4,719 |
| Assets per employee ($millions) | 5.7766% | 1,653 |
| Cash dividends to net income (ytd only)* | 42.4242% | 2,007 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2047% | 2,683 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1639% | 463 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 74.3746% | 1,887 |
| Net loans and leases to deposits | 90.8188% | 1,732 |
| Net loans and leases to core deposits | 92.7589% | 2,329 |
| Total domestic deposits to total assets | 81.8935% | 3,750 |
| Equity capital to assets | 9.8712% | 3,750 |
| Core capital (leverage) ratio | 9.7105% | 3,869 |
| Tier 1 risk-based capital ratio | 12.6126% | 4,121 |
| Total risk-based capital ratio | 13.7870% | 4,057 |
| Memoranda: |
| Average total assets | $103,464,330 | 4,122 |
| Average earning assets | $97,020,670 | 4,094 |
| Average equity | $10,073,000 | 4,371 |
| Average total loans | $76,320,330 | 3,796 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3682% | 2,302 |
| Cost of funding earning assets | 1.1269% | 195 |
| Net interest margin | 3.2413% | 4,335 |
| Noninterest income to average assets | 0.7441% | 1,643 |
| Noninterest expense to average assets | 2.1588% | 4,510 |
| Loan and lease loss provision to assets | 0.0930% | 1,961 |
| Net operating income to assets | 1.5580% | 938 |
| Return on assets (ROA) | 1.5580% | 948 |
| Pretax return on assets | 1.5580% | 1,505 |
| Return on Equity (ROE) | 16.1163% | 599 |
| Retained earnings to average equity (ytd only) | 10.0226% | 1,144 |
| Net charge-offs to loans | 0.0637% | 1,471 |
| Credit loss provision to net charge-offs | 200.0000% | 1,039 |
| Earnings coverage of net charge-offs (x) | 35.5000% | 1,133 |
| Efficiency ratio | 56.6633% | 4,500 |
| Assets per employee ($millions) | 6.2437% | 1,344 |
| Cash dividends to net income (ytd only)* | 37.8109% | 1,907 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2141% | 2,724 |
| Loan loss allowance to noncurrent loans | 20.7135% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 4.2254% | 140 |
| Noncurrent loans to loans | 5.8613% | 106 |
| Net loans and leases to total assets | 71.2152% | 2,295 |
| Net loans and leases to deposits | 87.2088% | 2,030 |
| Net loans and leases to core deposits | 89.0247% | 2,536 |
| Total domestic deposits to total assets | 81.6606% | 4,049 |
| Equity capital to assets | 9.4090% | 4,175 |
| Core capital (leverage) ratio | 9.7997% | 3,759 |
| Tier 1 risk-based capital ratio | 12.2688% | 4,396 |
| Total risk-based capital ratio | 13.4274% | 4,344 |
| Memoranda: |
| Average total assets | $103,207,000 | 4,172 |
| Average earning assets | $97,615,000 | 4,135 |
| Average equity | $9,977,500 | 4,428 |
| Average total loans | $75,342,000 | 3,856 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3581% | 2,156 |
| Cost of funding earning assets | 0.9928% | 225 |
| Net interest margin | 3.3653% | 3,951 |
| Noninterest income to average assets | 0.6597% | 2,140 |
| Noninterest expense to average assets | 2.1634% | 4,616 |
| Loan and lease loss provision to assets | 0.0988% | 2,251 |
| Net operating income to assets | 1.5757% | 682 |
| Return on assets (ROA) | 1.5582% | 720 |
| Pretax return on assets | 1.5582% | 1,424 |
| Return on Equity (ROE) | 15.5864% | 532 |
| Retained earnings to average equity (ytd only) | 4.2621% | 2,604 |
| Net charge-offs to loans | 0.0128% | 3,635 |
| Credit loss provision to net charge-offs | 1,066.6667% | 338 |
| Earnings coverage of net charge-offs (x) | 180.7778% | 427 |
| Efficiency ratio | 56.3690% | 4,727 |
| Assets per employee ($millions) | 5.8983% | 1,587 |
| Cash dividends to net income (ytd only)* | 72.6552% | 1,133 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2364% | 2,558 |
| Loan loss allowance to noncurrent loans | 22.8223% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 4.0071% | 148 |
| Noncurrent loans to loans | 5.4176% | 113 |
| Net loans and leases to total assets | 73.0500% | 2,085 |
| Net loans and leases to deposits | 90.6288% | 1,693 |
| Net loans and leases to core deposits | 92.6557% | 2,310 |
| Total domestic deposits to total assets | 80.6036% | 4,219 |
| Equity capital to assets | 9.9411% | 3,770 |
| Core capital (leverage) ratio | 9.9053% | 3,575 |
| Tier 1 risk-based capital ratio | 12.8744% | 3,990 |
| Total risk-based capital ratio | 14.0870% | 3,907 |
| Memoranda: |
| Average total assets | $97,160,800 | 4,285 |
| Average earning assets | $91,760,400 | 4,252 |
| Average equity | $9,713,600 | 4,495 |
| Average total loans | $70,400,200 | 3,952 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2925% | 2,285 |
| Cost of funding earning assets | 0.9680% | 230 |
| Net interest margin | 3.3244% | 4,091 |
| Noninterest income to average assets | 0.6128% | 2,404 |
| Noninterest expense to average assets | 1.9768% | 5,006 |
| Loan and lease loss provision to assets | 0.0996% | 2,119 |
| Net operating income to assets | 1.6766% | 609 |
| Return on assets (ROA) | 1.6572% | 650 |
| Pretax return on assets | 1.6572% | 1,227 |
| Return on Equity (ROE) | 16.5522% | 477 |
| Retained earnings to average equity (ytd only) | 1.3540% | 4,865 |
| Net charge-offs to loans | 0.0154% | 3,216 |
| Credit loss provision to net charge-offs | 900.0000% | 383 |
| Earnings coverage of net charge-offs (x) | 160.4461% | 514 |
| Efficiency ratio | 52.6723% | 5,048 |
| Assets per employee ($millions) | 6.0316% | 1,470 |
| Cash dividends to net income (ytd only)* | 91.8199% | 418 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2307% | 2,738 |
| Loan loss allowance to noncurrent loans | 22.0741% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 4.1966% | 155 |
| Noncurrent loans to loans | 5.5752% | 124 |
| Net loans and leases to total assets | 74.3467% | 1,866 |
| Net loans and leases to deposits | 92.6942% | 1,460 |
| Net loans and leases to core deposits | 94.8609% | 2,185 |
| Total domestic deposits to total assets | 80.2064% | 4,275 |
| Equity capital to assets | 10.1227% | 3,775 |
| Core capital (leverage) ratio | 9.7758% | 3,849 |
| Tier 1 risk-based capital ratio | 12.7196% | 4,193 |
| Total risk-based capital ratio | 13.9267% | 4,112 |
| Memoranda: |
| Average total assets | $96,383,250 | 4,341 |
| Average earning assets | $91,041,000 | 4,307 |
| Average equity | $9,650,000 | 4,547 |
| Average total loans | $69,459,000 | 4,007 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2014% | 2,469 |
| Cost of funding earning assets | 0.9266% | 261 |
| Net interest margin | 3.2748% | 4,191 |
| Noninterest income to average assets | 0.5999% | 2,456 |
| Noninterest expense to average assets | 1.9223% | 5,149 |
| Loan and lease loss provision to assets | 0.0996% | 2,023 |
| Net operating income to assets | 1.6670% | 603 |
| Return on assets (ROA) | 1.6649% | 630 |
| Pretax return on assets | 1.6649% | 1,141 |
| Return on Equity (ROE) | 16.6904% | 440 |
| Retained earnings to average equity (ytd only) | 7.5960% | 1,315 |
| Net charge-offs to loans | 0.0234% | 2,759 |
| Credit loss provision to net charge-offs | 600.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 106.3750% | 627 |
| Efficiency ratio | 52.1103% | 5,167 |
| Assets per employee ($millions) | 6.4171% | 1,199 |
| Cash dividends to net income (ytd only)* | 54.4888% | 1,689 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2330% | 2,805 |
| Loan loss allowance to noncurrent loans | 20.0970% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 4.4973% | 135 |
| Noncurrent loans to loans | 6.1354% | 97 |
| Net loans and leases to total assets | 72.3979% | 2,136 |
| Net loans and leases to deposits | 90.6287% | 1,651 |
| Net loans and leases to core deposits | 92.8233% | 2,266 |
| Total domestic deposits to total assets | 79.8841% | 4,437 |
| Equity capital to assets | 10.4678% | 3,387 |
| Core capital (leverage) ratio | 10.0684% | 3,445 |
| Tier 1 risk-based capital ratio | 13.3887% | 3,757 |
| Total risk-based capital ratio | 14.5912% | 3,702 |
| Memoranda: |
| Average total assets | $96,342,330 | 4,369 |
| Average earning assets | $90,874,670 | 4,335 |
| Average equity | $9,610,330 | 4,574 |
| Average total loans | $68,397,670 | 4,050 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0708% | 2,766 |
| Cost of funding earning assets | 0.8698% | 335 |
| Net interest margin | 3.2010% | 4,343 |
| Noninterest income to average assets | 0.6184% | 2,332 |
| Noninterest expense to average assets | 1.9298% | 5,183 |
| Loan and lease loss provision to assets | 0.0996% | 1,896 |
| Net operating income to assets | 1.5978% | 680 |
| Return on assets (ROA) | 1.5936% | 700 |
| Pretax return on assets | 1.5936% | 1,256 |
| Return on Equity (ROE) | 16.3796% | 477 |
| Retained earnings to average equity (ytd only) | 7.5073% | 1,648 |
| Net charge-offs to loans | 0.0475% | 1,901 |
| Credit loss provision to net charge-offs | 300.0000% | 777 |
| Earnings coverage of net charge-offs (x) | 51.1250% | 885 |
| Efficiency ratio | 53.2037% | 5,188 |
| Assets per employee ($millions) | 6.4161% | 1,225 |
| Cash dividends to net income (ytd only)* | 54.1667% | 1,569 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2377% | 2,900 |
| Loan loss allowance to noncurrent loans | 18.7127% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 4.6976% | 132 |
| Noncurrent loans to loans | 6.6145% | 88 |
| Net loans and leases to total assets | 70.1406% | 2,355 |
| Net loans and leases to deposits | 87.1098% | 1,902 |
| Net loans and leases to core deposits | 89.1872% | 2,434 |
| Total domestic deposits to total assets | 80.5197% | 4,519 |
| Equity capital to assets | 9.8783% | 3,900 |
| Core capital (leverage) ratio | 9.9295% | 3,589 |
| Tier 1 risk-based capital ratio | 13.3611% | 3,854 |
| Total risk-based capital ratio | 14.5512% | 3,809 |
| Memoranda: |
| Average total assets | $96,385,000 | 4,418 |
| Average earning assets | $90,596,500 | 4,380 |
| Average equity | $9,377,500 | 4,644 |
| Average total loans | $67,317,500 | 4,105 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1624% | 2,617 |
| Cost of funding earning assets | 0.9792% | 193 |
| Net interest margin | 3.1832% | 4,489 |
| Noninterest income to average assets | 0.6864% | 2,238 |
| Noninterest expense to average assets | 2.1003% | 4,997 |
| Loan and lease loss provision to assets | 0.0846% | 2,662 |
| Net operating income to assets | 1.5165% | 802 |
| Return on assets (ROA) | 1.4203% | 995 |
| Pretax return on assets | 1.4203% | 1,861 |
| Return on Equity (ROE) | 14.0787% | 761 |
| Retained earnings to average equity (ytd only) | 1.0588% | 4,892 |
| Net charge-offs to loans | -0.0428% | 5,352 |
| Credit loss provision to net charge-offs | -296.2963% | 5,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7429% | 4,981 |
| Assets per employee ($millions) | 6.0331% | 1,456 |
| Cash dividends to net income (ytd only)* | 92.4795% | 517 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2522% | 2,800 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 67.8086% | 2,806 |
| Net loans and leases to deposits | 83.9317% | 2,425 |
| Net loans and leases to core deposits | 85.9204% | 2,857 |
| Total domestic deposits to total assets | 80.7902% | 4,391 |
| Equity capital to assets | 9.5805% | 4,186 |
| Core capital (leverage) ratio | 9.5578% | 4,017 |
| Tier 1 risk-based capital ratio | 14.1050% | 3,407 |
| Total risk-based capital ratio | 15.3548% | 3,324 |
| Memoranda: |
| Average total assets | $94,557,000 | 4,455 |
| Average earning assets | $89,562,800 | 4,395 |
| Average equity | $9,539,200 | 4,654 |
| Average total loans | $63,141,000 | 4,197 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0120% | 3,184 |
| Cost of funding earning assets | 0.9803% | 186 |
| Net interest margin | 3.0318% | 4,952 |
| Noninterest income to average assets | 0.6237% | 2,557 |
| Noninterest expense to average assets | 2.0666% | 5,071 |
| Loan and lease loss provision to assets | 0.0794% | 2,629 |
| Net operating income to assets | 1.3579% | 1,150 |
| Return on assets (ROA) | 1.3565% | 1,231 |
| Pretax return on assets | 1.3565% | 2,208 |
| Return on Equity (ROE) | 13.2748% | 975 |
| Retained earnings to average equity (ytd only) | -3.9533% | 5,692 |
| Net charge-offs to loans | -0.0556% | 5,400 |
| Credit loss provision to net charge-offs | -215.3846% | 4,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9806% | 4,688 |
| Assets per employee ($millions) | 6.0386% | 1,405 |
| Cash dividends to net income (ytd only)* | 129.7805% | 181 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2118% | 3,167 |
| Loan loss allowance to noncurrent loans | 62.5000% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 1.3331% | 1,418 |
| Noncurrent loans to loans | 1.9389% | 1,023 |
| Net loans and leases to total assets | 67.9218% | 2,812 |
| Net loans and leases to deposits | 85.3790% | 2,326 |
| Net loans and leases to core deposits | 87.4322% | 2,810 |
| Total domestic deposits to total assets | 79.5533% | 4,602 |
| Equity capital to assets | 9.6815% | 4,484 |
| Core capital (leverage) ratio | 9.3713% | 4,371 |
| Tier 1 risk-based capital ratio | 13.3331% | 3,962 |
| Total risk-based capital ratio | 14.5343% | 3,899 |
| Memoranda: |
| Average total assets | $94,064,000 | 4,503 |
| Average earning assets | $89,362,500 | 4,442 |
| Average equity | $9,612,000 | 4,693 |
| Average total loans | $62,355,000 | 4,244 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9215% | 3,539 |
| Cost of funding earning assets | 0.9781% | 189 |
| Net interest margin | 2.9434% | 5,183 |
| Noninterest income to average assets | 0.6029% | 2,605 |
| Noninterest expense to average assets | 2.1070% | 5,041 |
| Loan and lease loss provision to assets | 0.0687% | 2,765 |
| Net operating income to assets | 1.2359% | 1,482 |
| Return on assets (ROA) | 1.2509% | 1,532 |
| Pretax return on assets | 1.2509% | 2,598 |
| Return on Equity (ROE) | 12.0231% | 1,316 |
| Retained earnings to average equity (ytd only) | 4.5576% | 3,010 |
| Net charge-offs to loans | -0.0853% | 5,566 |
| Credit loss provision to net charge-offs | -123.0769% | 4,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7610% | 4,381 |
| Assets per employee ($millions) | 5.8361% | 1,520 |
| Cash dividends to net income (ytd only)* | 62.0926% | 1,450 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2050% | 3,330 |
| Loan loss allowance to noncurrent loans | 50.7472% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 1.6481% | 1,099 |
| Noncurrent loans to loans | 2.3745% | 756 |
| Net loans and leases to total assets | 68.5740% | 2,696 |
| Net loans and leases to deposits | 85.2591% | 2,327 |
| Net loans and leases to core deposits | 87.7381% | 2,751 |
| Total domestic deposits to total assets | 80.4301% | 4,436 |
| Equity capital to assets | 10.6396% | 3,484 |
| Core capital (leverage) ratio | 10.1573% | 3,380 |
| Tier 1 risk-based capital ratio | 14.6052% | 3,255 |
| Total risk-based capital ratio | 15.8133% | 3,216 |
| Memoranda: |
| Average total assets | $93,213,000 | 4,553 |
| Average earning assets | $88,945,330 | 4,486 |
| Average equity | $9,698,000 | 4,704 |
| Average total loans | $60,997,000 | 4,311 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8515% | 3,762 |
| Cost of funding earning assets | 0.9651% | 204 |
| Net interest margin | 2.8864% | 5,348 |
| Noninterest income to average assets | 0.5884% | 2,600 |
| Noninterest expense to average assets | 2.0831% | 5,147 |
| Loan and lease loss provision to assets | 0.0344% | 3,203 |
| Net operating income to assets | 1.2584% | 1,383 |
| Return on assets (ROA) | 1.2670% | 1,442 |
| Pretax return on assets | 1.2670% | 2,439 |
| Return on Equity (ROE) | 12.3180% | 1,212 |
| Retained earnings to average equity (ytd only) | 4.2591% | 3,351 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7048% | 4,485 |
| Assets per employee ($millions) | 5.8055% | 1,575 |
| Cash dividends to net income (ytd only)* | 65.4237% | 1,296 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2085% | 3,431 |
| Loan loss allowance to noncurrent loans | 48.9618% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 1.6579% | 1,183 |
| Noncurrent loans to loans | 2.4682% | 770 |
| Net loans and leases to total assets | 64.3334% | 3,203 |
| Net loans and leases to deposits | 79.7656% | 2,825 |
| Net loans and leases to core deposits | 81.7953% | 3,148 |
| Total domestic deposits to total assets | 80.6530% | 4,590 |
| Equity capital to assets | 10.4373% | 3,572 |
| Core capital (leverage) ratio | 10.1578% | 3,358 |
| Tier 1 risk-based capital ratio | 15.0977% | 3,108 |
| Total risk-based capital ratio | 16.2815% | 3,078 |
| Memoranda: |
| Average total assets | $93,130,500 | 4,594 |
| Average earning assets | $89,940,000 | 4,502 |
| Average equity | $9,579,500 | 4,746 |
| Average total loans | $59,088,500 | 4,406 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8160% | 3,995 |
| Cost of funding earning assets | 1.0151% | 163 |
| Net interest margin | 2.8009% | 5,510 |
| Noninterest income to average assets | 0.6273% | 2,579 |
| Noninterest expense to average assets | 1.8123% | 5,719 |
| Loan and lease loss provision to assets | 0.0166% | 4,080 |
| Net operating income to assets | 1.4953% | 872 |
| Return on assets (ROA) | 1.4633% | 958 |
| Pretax return on assets | 1.4633% | 1,671 |
| Return on Equity (ROE) | 14.5572% | 756 |
| Retained earnings to average equity (ytd only) | 6.0536% | 1,767 |
| Net charge-offs to loans | 0.0089% | 4,143 |
| Credit loss provision to net charge-offs | 300.0000% | 982 |
| Earnings coverage of net charge-offs (x) | 273.8000% | 266 |
| Efficiency ratio | 54.5183% | 5,488 |
| Assets per employee ($millions) | 5.8358% | 1,507 |
| Cash dividends to net income (ytd only)* | 58.4151% | 1,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2533% | 3,148 |
| Loan loss allowance to noncurrent loans | 354.4118% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.2185% | 4,723 |
| Noncurrent loans to loans | 0.3536% | 4,190 |
| Net loans and leases to total assets | 61.0080% | 3,691 |
| Net loans and leases to deposits | 75.3246% | 3,339 |
| Net loans and leases to core deposits | 77.2229% | 3,639 |
| Total domestic deposits to total assets | 80.9934% | 4,485 |
| Equity capital to assets | 10.1357% | 3,822 |
| Core capital (leverage) ratio | 10.0163% | 3,486 |
| Tier 1 risk-based capital ratio | 15.9467% | 2,714 |
| Total risk-based capital ratio | 17.1970% | 2,648 |
| Memoranda: |
| Average total assets | $90,547,600 | 4,657 |
| Average earning assets | $87,185,000 | 4,554 |
| Average equity | $9,102,000 | 4,823 |
| Average total loans | $56,399,200 | 4,490 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7913% | 4,114 |
| Cost of funding earning assets | 1.0238% | 161 |
| Net interest margin | 2.7676% | 5,636 |
| Noninterest income to average assets | 0.5669% | 2,936 |
| Noninterest expense to average assets | 1.7675% | 5,825 |
| Loan and lease loss provision to assets | 0.0223% | 3,830 |
| Net operating income to assets | 1.4410% | 1,025 |
| Return on assets (ROA) | 1.3980% | 1,159 |
| Pretax return on assets | 1.3980% | 2,020 |
| Return on Equity (ROE) | 13.9374% | 924 |
| Retained earnings to average equity (ytd only) | 6.4805% | 1,971 |
| Net charge-offs to loans | 0.0166% | 3,621 |
| Credit loss provision to net charge-offs | 214.2857% | 1,262 |
| Earnings coverage of net charge-offs (x) | 140.9035% | 489 |
| Efficiency ratio | 54.7083% | 5,461 |
| Assets per employee ($millions) | 6.5009% | 1,065 |
| Cash dividends to net income (ytd only)* | 53.5029% | 1,723 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2345% | 3,462 |
| Loan loss allowance to noncurrent loans | 344.9761% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 4,846 |
| Noncurrent loans to loans | 0.3579% | 4,330 |
| Net loans and leases to total assets | 63.3767% | 3,397 |
| Net loans and leases to deposits | 78.7250% | 3,016 |
| Net loans and leases to core deposits | 80.4904% | 3,392 |
| Total domestic deposits to total assets | 80.5039% | 4,602 |
| Equity capital to assets | 10.2656% | 3,860 |
| Core capital (leverage) ratio | 9.9267% | 3,733 |
| Tier 1 risk-based capital ratio | 15.5639% | 3,019 |
| Total risk-based capital ratio | 16.7960% | 2,956 |
| Memoranda: |
| Average total assets | $89,841,250 | 4,730 |
| Average earning assets | $86,475,750 | 4,626 |
| Average equity | $9,011,500 | 4,899 |
| Average total loans | $56,077,000 | 4,536 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7835% | 4,122 |
| Cost of funding earning assets | 1.0232% | 156 |
| Net interest margin | 2.7603% | 5,690 |
| Noninterest income to average assets | 0.5634% | 2,952 |
| Noninterest expense to average assets | 1.7619% | 5,905 |
| Loan and lease loss provision to assets | 0.0335% | 3,445 |
| Net operating income to assets | 1.4220% | 1,050 |
| Return on assets (ROA) | 1.3795% | 1,173 |
| Pretax return on assets | 1.3795% | 2,066 |
| Return on Equity (ROE) | 13.8636% | 932 |
| Retained earnings to average equity (ytd only) | 5.5724% | 2,491 |
| Net charge-offs to loans | -0.0108% | 4,950 |
| Credit loss provision to net charge-offs | -500.0000% | 5,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7603% | 5,524 |
| Assets per employee ($millions) | 6.5375% | 1,037 |
| Cash dividends to net income (ytd only)* | 59.8055% | 1,540 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2751% | 3,368 |
| Loan loss allowance to noncurrent loans | 336.8664% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.2371% | 4,933 |
| Noncurrent loans to loans | 0.3785% | 4,350 |
| Net loans and leases to total assets | 61.8410% | 3,575 |
| Net loans and leases to deposits | 76.2752% | 3,235 |
| Net loans and leases to core deposits | 77.9561% | 3,575 |
| Total domestic deposits to total assets | 81.0762% | 4,592 |
| Equity capital to assets | 9.8301% | 4,244 |
| Core capital (leverage) ratio | 9.8074% | 3,853 |
| Tier 1 risk-based capital ratio | 15.4969% | 3,106 |
| Total risk-based capital ratio | 16.7463% | 3,054 |
| Memoranda: |
| Average total assets | $89,450,670 | 4,781 |
| Average earning assets | $86,004,330 | 4,678 |
| Average equity | $8,901,000 | 4,965 |
| Average total loans | $55,302,000 | 4,606 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7001% | 4,364 |
| Cost of funding earning assets | 1.0074% | 176 |
| Net interest margin | 2.6927% | 5,815 |
| Noninterest income to average assets | 0.5836% | 2,746 |
| Noninterest expense to average assets | 1.6875% | 6,026 |
| Loan and lease loss provision to assets | 0.0679% | 2,584 |
| Net operating income to assets | 1.4161% | 1,004 |
| Return on assets (ROA) | 1.5247% | 852 |
| Pretax return on assets | 1.5247% | 1,480 |
| Return on Equity (ROE) | 15.2265% | 682 |
| Retained earnings to average equity (ytd only) | 7.3196% | 1,849 |
| Net charge-offs to loans | -0.0074% | 4,612 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2097% | 5,734 |
| Assets per employee ($millions) | 6.8764% | 906 |
| Cash dividends to net income (ytd only)* | 51.9288% | 1,667 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3205% | 3,303 |
| Loan loss allowance to noncurrent loans | 329.8643% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 4,953 |
| Noncurrent loans to loans | 0.4003% | 4,390 |
| Net loans and leases to total assets | 60.9410% | 3,532 |
| Net loans and leases to deposits | 74.5392% | 3,232 |
| Net loans and leases to core deposits | 76.2023% | 3,575 |
| Total domestic deposits to total assets | 81.7570% | 4,583 |
| Equity capital to assets | 10.0746% | 4,054 |
| Core capital (leverage) ratio | 10.0563% | 3,527 |
| Tier 1 risk-based capital ratio | 16.0014% | 2,922 |
| Total risk-based capital ratio | 17.2516% | 2,853 |
| Memoranda: |
| Average total assets | $88,413,500 | 4,853 |
| Average earning assets | $84,971,500 | 4,749 |
| Average equity | $8,853,000 | 5,022 |
| Average total loans | $54,287,500 | 4,662 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9764% | 3,809 |
| Cost of funding earning assets | 1.0691% | 163 |
| Net interest margin | 2.9073% | 5,631 |
| Noninterest income to average assets | 0.6246% | 2,714 |
| Noninterest expense to average assets | 1.7800% | 6,093 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.6366% | 659 |
| Return on assets (ROA) | 1.6242% | 707 |
| Pretax return on assets | 1.6242% | 1,163 |
| Return on Equity (ROE) | 17.8500% | 412 |
| Retained earnings to average equity (ytd only) | 8.6271% | 791 |
| Net charge-offs to loans | 0.0132% | 4,628 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 207.0000% | 256 |
| Efficiency ratio | 52.0992% | 5,975 |
| Assets per employee ($millions) | 6.7257% | 942 |
| Cash dividends to net income (ytd only)* | 51.6690% | 2,181 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3360% | 3,249 |
| Loan loss allowance to noncurrent loans | 315.4867% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.2585% | 4,997 |
| Noncurrent loans to loans | 0.4235% | 4,370 |
| Net loans and leases to total assets | 60.2237% | 3,757 |
| Net loans and leases to deposits | 73.7045% | 3,472 |
| Net loans and leases to core deposits | 75.3876% | 3,779 |
| Total domestic deposits to total assets | 81.7096% | 4,522 |
| Equity capital to assets | 9.9504% | 4,176 |
| Core capital (leverage) ratio | 9.9358% | 3,667 |
| Tier 1 risk-based capital ratio | 14.9925% | 3,491 |
| Total risk-based capital ratio | 16.2254% | 3,434 |
| Memoranda: |
| Average total assets | $88,537,200 | 4,878 |
| Average earning assets | $85,027,200 | 4,758 |
| Average equity | $8,056,000 | 5,189 |
| Average total loans | $53,197,600 | 4,717 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9382% | 4,016 |
| Cost of funding earning assets | 1.0810% | 163 |
| Net interest margin | 2.8572% | 5,783 |
| Noninterest income to average assets | 0.5750% | 3,029 |
| Noninterest expense to average assets | 1.7565% | 6,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5643% | 819 |
| Return on assets (ROA) | 1.5478% | 880 |
| Pretax return on assets | 1.5478% | 1,490 |
| Return on Equity (ROE) | 17.4114% | 506 |
| Retained earnings to average equity (ytd only) | 9.4403% | 860 |
| Net charge-offs to loans | -0.0151% | 5,541 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8933% | 5,933 |
| Assets per employee ($millions) | 6.6591% | 938 |
| Cash dividends to net income (ytd only)* | 45.7810% | 2,056 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3193% | 3,553 |
| Loan loss allowance to noncurrent loans | 307.6271% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.2726% | 5,171 |
| Noncurrent loans to loans | 0.4289% | 4,620 |
| Net loans and leases to total assets | 62.7276% | 3,381 |
| Net loans and leases to deposits | 76.8367% | 3,086 |
| Net loans and leases to core deposits | 78.8987% | 3,452 |
| Total domestic deposits to total assets | 81.6376% | 4,614 |
| Equity capital to assets | 9.7565% | 4,476 |
| Core capital (leverage) ratio | 9.7333% | 4,021 |
| Tier 1 risk-based capital ratio | 14.3265% | 4,009 |
| Total risk-based capital ratio | 15.5453% | 3,950 |
| Memoranda: |
| Average total assets | $88,813,000 | 4,920 |
| Average earning assets | $85,350,750 | 4,808 |
| Average equity | $7,895,000 | 5,264 |
| Average total loans | $53,154,750 | 4,764 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9315% | 4,007 |
| Cost of funding earning assets | 1.0811% | 163 |
| Net interest margin | 2.8504% | 5,817 |
| Noninterest income to average assets | 0.5605% | 3,049 |
| Noninterest expense to average assets | 1.7463% | 6,219 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5520% | 789 |
| Return on assets (ROA) | 1.5207% | 870 |
| Pretax return on assets | 1.5207% | 1,475 |
| Return on Equity (ROE) | 17.6623% | 491 |
| Retained earnings to average equity (ytd only) | 9.1294% | 947 |
| Net charge-offs to loans | -0.0114% | 5,358 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9452% | 5,999 |
| Assets per employee ($millions) | 6.7911% | 878 |
| Cash dividends to net income (ytd only)* | 48.3113% | 1,997 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3318% | 3,684 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 60.6735% | 3,607 |
| Net loans and leases to deposits | 73.6572% | 3,365 |
| Net loans and leases to core deposits | 75.5693% | 3,667 |
| Total domestic deposits to total assets | 82.3728% | 4,516 |
| Equity capital to assets | 9.2599% | 5,021 |
| Core capital (leverage) ratio | 9.3871% | 4,486 |
| Tier 1 risk-based capital ratio | 14.2075% | 4,125 |
| Total risk-based capital ratio | 15.4411% | 4,064 |
| Memoranda: |
| Average total assets | $89,561,330 | 4,941 |
| Average earning assets | $86,023,330 | 4,827 |
| Average equity | $7,711,330 | 5,337 |
| Average total loans | $52,530,330 | 4,806 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8756% | 4,194 |
| Cost of funding earning assets | 1.0968% | 165 |
| Net interest margin | 2.7788% | 5,977 |
| Noninterest income to average assets | 0.5676% | 2,934 |
| Noninterest expense to average assets | 1.7295% | 6,309 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5122% | 791 |
| Return on assets (ROA) | 1.4989% | 849 |
| Pretax return on assets | 1.4989% | 1,431 |
| Return on Equity (ROE) | 18.0761% | 437 |
| Retained earnings to average equity (ytd only) | 10.4820% | 846 |
| Net charge-offs to loans | -0.0232% | 5,425 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3516% | 6,066 |
| Assets per employee ($millions) | 6.8900% | 844 |
| Cash dividends to net income (ytd only)* | 42.0118% | 1,928 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3896% | 3,659 |
| Loan loss allowance to noncurrent loans | 6,572.7273% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 6,292 |
| Noncurrent loans to loans | 0.0211% | 6,102 |
| Net loans and leases to total assets | 57.2826% | 3,954 |
| Net loans and leases to deposits | 68.8569% | 3,755 |
| Net loans and leases to core deposits | 70.6255% | 4,020 |
| Total domestic deposits to total assets | 83.1908% | 4,534 |
| Equity capital to assets | 8.6044% | 5,541 |
| Core capital (leverage) ratio | 8.8904% | 5,154 |
| Tier 1 risk-based capital ratio | 14.3618% | 4,089 |
| Total risk-based capital ratio | 15.6115% | 4,047 |
| Memoranda: |
| Average total assets | $90,200,000 | 4,965 |
| Average earning assets | $86,800,500 | 4,849 |
| Average equity | $7,479,500 | 5,424 |
| Average total loans | $51,651,500 | 4,877 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1600% | 3,497 |
| Cost of funding earning assets | 1.2472% | 140 |
| Net interest margin | 2.9129% | 5,765 |
| Noninterest income to average assets | 0.6677% | 2,719 |
| Noninterest expense to average assets | 1.7868% | 6,346 |
| Loan and lease loss provision to assets | 0.0679% | 3,774 |
| Net operating income to assets | 1.5775% | 723 |
| Return on assets (ROA) | 1.5820% | 738 |
| Pretax return on assets | 1.5820% | 1,217 |
| Return on Equity (ROE) | 18.9390% | 341 |
| Retained earnings to average equity (ytd only) | 8.6025% | 875 |
| Net charge-offs to loans | -0.0340% | 6,249 |
| Credit loss provision to net charge-offs | -352.9412% | 6,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0607% | 6,289 |
| Assets per employee ($millions) | 6.9869% | 776 |
| Cash dividends to net income (ytd only)* | 54.5780% | 2,041 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4043% | 3,638 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 55.6556% | 4,366 |
| Net loans and leases to deposits | 67.1725% | 4,166 |
| Net loans and leases to core deposits | 68.8804% | 4,406 |
| Total domestic deposits to total assets | 82.8548% | 4,590 |
| Equity capital to assets | 7.9841% | 6,030 |
| Core capital (leverage) ratio | 8.6551% | 5,471 |
| Tier 1 risk-based capital ratio | 13.8134% | 4,426 |
| Total risk-based capital ratio | 15.0604% | 4,378 |
| Memoranda: |
| Average total assets | $88,369,200 | 5,017 |
| Average earning assets | $83,869,600 | 4,936 |
| Average equity | $7,381,600 | 5,482 |
| Average total loans | $50,036,600 | 4,958 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1940% | 3,405 |
| Cost of funding earning assets | 1.2604% | 151 |
| Net interest margin | 2.9335% | 5,732 |
| Noninterest income to average assets | 0.6548% | 2,857 |
| Noninterest expense to average assets | 1.8080% | 6,331 |
| Loan and lease loss provision to assets | 0.0912% | 3,245 |
| Net operating income to assets | 1.5315% | 847 |
| Return on assets (ROA) | 1.5194% | 914 |
| Pretax return on assets | 1.5194% | 1,548 |
| Return on Equity (ROE) | 17.9835% | 443 |
| Retained earnings to average equity (ytd only) | 7.8588% | 1,476 |
| Net charge-offs to loans | -0.0322% | 6,182 |
| Credit loss provision to net charge-offs | -500.0000% | 6,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7015% | 6,206 |
| Assets per employee ($millions) | 6.9505% | 773 |
| Cash dividends to net income (ytd only)* | 56.3002% | 1,604 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4034% | 3,879 |
| Loan loss allowance to noncurrent loans | 308.1897% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 5,667 |
| Noncurrent loans to loans | 0.4554% | 5,052 |
| Net loans and leases to total assets | 55.5950% | 4,378 |
| Net loans and leases to deposits | 67.2225% | 4,151 |
| Net loans and leases to core deposits | 68.9412% | 4,438 |
| Total domestic deposits to total assets | 82.7031% | 4,684 |
| Equity capital to assets | 7.9142% | 6,203 |
| Core capital (leverage) ratio | 8.6763% | 5,568 |
| Tier 1 risk-based capital ratio | 13.6743% | 4,649 |
| Total risk-based capital ratio | 14.9246% | 4,601 |
| Memoranda: |
| Average total assets | $87,754,000 | 5,077 |
| Average earning assets | $83,037,500 | 4,996 |
| Average equity | $7,414,000 | 5,536 |
| Average total loans | $49,727,750 | 5,020 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1871% | 3,425 |
| Cost of funding earning assets | 1.2767% | 157 |
| Net interest margin | 2.9104% | 5,779 |
| Noninterest income to average assets | 0.6860% | 2,712 |
| Noninterest expense to average assets | 1.8231% | 6,338 |
| Loan and lease loss provision to assets | 0.1036% | 3,068 |
| Net operating income to assets | 1.4985% | 901 |
| Return on assets (ROA) | 1.4778% | 1,009 |
| Pretax return on assets | 1.4778% | 1,681 |
| Return on Equity (ROE) | 17.1162% | 544 |
| Retained earnings to average equity (ytd only) | 5.8387% | 2,529 |
| Net charge-offs to loans | -0.0406% | 6,194 |
| Credit loss provision to net charge-offs | -450.0000% | 5,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2258% | 6,203 |
| Assets per employee ($millions) | 6.7922% | 798 |
| Cash dividends to net income (ytd only)* | 65.8879% | 1,326 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3320% | 4,357 |
| Loan loss allowance to noncurrent loans | 294.5148% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 5,687 |
| Noncurrent loans to loans | 0.4523% | 5,130 |
| Net loans and leases to total assets | 58.5585% | 3,897 |
| Net loans and leases to deposits | 71.1077% | 3,572 |
| Net loans and leases to core deposits | 72.3788% | 3,999 |
| Total domestic deposits to total assets | 82.3518% | 4,929 |
| Equity capital to assets | 8.1350% | 6,104 |
| Core capital (leverage) ratio | 8.4734% | 5,701 |
| Tier 1 risk-based capital ratio | 13.0457% | 5,105 |
| Total risk-based capital ratio | 14.2505% | 5,085 |
| Memoranda: |
| Average total assets | $86,886,330 | 5,129 |
| Average earning assets | $81,775,330 | 5,058 |
| Average equity | $7,501,670 | 5,563 |
| Average total loans | $49,320,670 | 5,055 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0925% | 3,758 |
| Cost of funding earning assets | 1.2995% | 158 |
| Net interest margin | 2.7931% | 6,044 |
| Noninterest income to average assets | 0.5523% | 3,422 |
| Noninterest expense to average assets | 1.9169% | 6,254 |
| Loan and lease loss provision to assets | 0.1021% | 2,975 |
| Net operating income to assets | 1.1371% | 1,724 |
| Return on assets (ROA) | 1.1047% | 1,945 |
| Pretax return on assets | 1.1047% | 2,936 |
| Return on Equity (ROE) | 12.4266% | 1,316 |
| Retained earnings to average equity (ytd only) | -1.4620% | 6,016 |
| Net charge-offs to loans | -0.0251% | 5,820 |
| Credit loss provision to net charge-offs | -733.3333% | 5,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7353% | 5,485 |
| Assets per employee ($millions) | 6.6784% | 905 |
| Cash dividends to net income (ytd only)* | 111.7647% | 540 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3662% | 4,395 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3214% | 5,617 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 55.5466% | 4,165 |
| Net loans and leases to deposits | 67.0985% | 3,901 |
| Net loans and leases to core deposits | 67.7812% | 4,332 |
| Total domestic deposits to total assets | 82.7837% | 4,923 |
| Equity capital to assets | 8.7423% | 5,770 |
| Core capital (leverage) ratio | 8.5351% | 5,542 |
| Tier 1 risk-based capital ratio | 13.4485% | 4,912 |
| Total risk-based capital ratio | 14.6773% | 4,874 |
| Memoranda: |
| Average total assets | $86,180,500 | 5,191 |
| Average earning assets | $80,341,500 | 5,141 |
| Average equity | $7,661,000 | 5,594 |
| Average total loans | $47,779,000 | 5,136 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4777% | 3,494 |
| Cost of funding earning assets | 1.4978% | 166 |
| Net interest margin | 2.9799% | 6,088 |
| Noninterest income to average assets | 1.0440% | 1,424 |
| Noninterest expense to average assets | 1.9356% | 6,448 |
| Loan and lease loss provision to assets | 0.1107% | 4,250 |
| Net operating income to assets | 1.7966% | 512 |
| Return on assets (ROA) | 1.8273% | 552 |
| Pretax return on assets | 1.8273% | 876 |
| Return on Equity (ROE) | 20.2579% | 294 |
| Retained earnings to average equity (ytd only) | 13.9870% | 201 |
| Net charge-offs to loans | 0.0786% | 4,886 |
| Credit loss provision to net charge-offs | 243.2432% | 1,014 |
| Earnings coverage of net charge-offs (x) | 41.9189% | 768 |
| Efficiency ratio | 50.3680% | 6,571 |
| Assets per employee ($millions) | 6.1101% | 1,215 |
| Cash dividends to net income (ytd only)* | 30.9556% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3779% | 4,267 |
| Loan loss allowance to noncurrent loans | 452.8169% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 5,907 |
| Noncurrent loans to loans | 0.3043% | 5,718 |
| Net loans and leases to total assets | 53.8005% | 4,644 |
| Net loans and leases to deposits | 65.3425% | 4,379 |
| Net loans and leases to core deposits | 66.2530% | 4,717 |
| Total domestic deposits to total assets | 82.3362% | 4,986 |
| Equity capital to assets | 9.0388% | 5,479 |
| Core capital (leverage) ratio | 8.7115% | 5,315 |
| Tier 1 risk-based capital ratio | 13.9724% | 4,400 |
| Total risk-based capital ratio | 15.1966% | 4,384 |
| Memoranda: |
| Average total assets | $81,320,400 | 5,320 |
| Average earning assets | $76,377,800 | 5,230 |
| Average equity | $7,335,400 | 5,683 |
| Average total loans | $47,097,800 | 5,206 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4953% | 3,655 |
| Cost of funding earning assets | 1.5241% | 178 |
| Net interest margin | 2.9712% | 6,229 |
| Noninterest income to average assets | 0.7458% | 2,506 |
| Noninterest expense to average assets | 1.9352% | 6,465 |
| Loan and lease loss provision to assets | 0.1113% | 4,176 |
| Net operating income to assets | 1.5199% | 984 |
| Return on assets (ROA) | 1.5448% | 1,058 |
| Pretax return on assets | 1.5448% | 1,737 |
| Return on Equity (ROE) | 17.1355% | 594 |
| Retained earnings to average equity (ytd only) | 12.3449% | 475 |
| Net charge-offs to loans | 0.0396% | 5,097 |
| Credit loss provision to net charge-offs | 478.5714% | 563 |
| Earnings coverage of net charge-offs (x) | 70.1285% | 582 |
| Efficiency ratio | 54.2618% | 6,225 |
| Assets per employee ($millions) | 5.8721% | 1,323 |
| Cash dividends to net income (ytd only)* | 27.9571% | 2,733 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3023% | 4,801 |
| Loan loss allowance to noncurrent loans | 282.0175% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.9050% | 4,473 |
| Noncurrent loans to loans | 0.4618% | 5,523 |
| Net loans and leases to total assets | 59.2787% | 3,913 |
| Net loans and leases to deposits | 72.5366% | 3,525 |
| Net loans and leases to core deposits | 73.8894% | 3,985 |
| Total domestic deposits to total assets | 81.7224% | 5,117 |
| Equity capital to assets | 9.1303% | 5,672 |
| Core capital (leverage) ratio | 8.5558% | 5,683 |
| Tier 1 risk-based capital ratio | 12.5388% | 5,610 |
| Total risk-based capital ratio | 13.6934% | 5,654 |
| Memoranda: |
| Average total assets | $80,265,000 | 5,394 |
| Average earning assets | $76,197,000 | 5,286 |
| Average equity | $7,236,250 | 5,761 |
| Average total loans | $47,206,000 | 5,262 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5400% | 3,605 |
| Cost of funding earning assets | 1.5363% | 204 |
| Net interest margin | 3.0038% | 6,236 |
| Noninterest income to average assets | 0.7310% | 2,510 |
| Noninterest expense to average assets | 1.9242% | 6,557 |
| Loan and lease loss provision to assets | 0.1130% | 4,117 |
| Net operating income to assets | 1.5474% | 915 |
| Return on assets (ROA) | 1.5575% | 1,007 |
| Pretax return on assets | 1.5575% | 1,684 |
| Return on Equity (ROE) | 17.3516% | 593 |
| Retained earnings to average equity (ytd only) | 12.9577% | 442 |
| Net charge-offs to loans | 0.0731% | 4,415 |
| Credit loss provision to net charge-offs | 264.7059% | 1,087 |
| Earnings coverage of net charge-offs (x) | 38.8824% | 892 |
| Efficiency ratio | 53.6790% | 6,345 |
| Assets per employee ($millions) | 5.7797% | 1,389 |
| Cash dividends to net income (ytd only)* | 25.3226% | 2,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2776% | 4,997 |
| Loan loss allowance to noncurrent loans | 412.6667% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.8898% | 4,588 |
| Noncurrent loans to loans | 0.3096% | 5,937 |
| Net loans and leases to total assets | 59.1119% | 3,971 |
| Net loans and leases to deposits | 72.3058% | 3,564 |
| Net loans and leases to core deposits | 73.6757% | 4,070 |
| Total domestic deposits to total assets | 81.7527% | 5,218 |
| Equity capital to assets | 9.0884% | 5,594 |
| Core capital (leverage) ratio | 8.4198% | 5,764 |
| Tier 1 risk-based capital ratio | 12.3321% | 5,701 |
| Total risk-based capital ratio | 13.4587% | 5,770 |
| Memoranda: |
| Average total assets | $79,616,670 | 5,447 |
| Average earning assets | $75,638,330 | 5,335 |
| Average equity | $7,146,330 | 5,802 |
| Average total loans | $46,482,670 | 5,324 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4930% | 3,941 |
| Cost of funding earning assets | 1.5456% | 235 |
| Net interest margin | 2.9473% | 6,394 |
| Noninterest income to average assets | 0.7244% | 2,537 |
| Noninterest expense to average assets | 1.9299% | 6,589 |
| Loan and lease loss provision to assets | 0.1114% | 3,963 |
| Net operating income to assets | 1.4842% | 1,048 |
| Return on assets (ROA) | 1.5044% | 1,132 |
| Pretax return on assets | 1.5044% | 1,861 |
| Return on Equity (ROE) | 16.8690% | 692 |
| Retained earnings to average equity (ytd only) | 16.8690% | 314 |
| Net charge-offs to loans | -0.0176% | 6,133 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7414% | 6,260 |
| Assets per employee ($millions) | 5.7424% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2869% | 5,077 |
| Loan loss allowance to noncurrent loans | 852.7778% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.7376% | 5,073 |
| Noncurrent loans to loans | 0.1509% | 6,379 |
| Net loans and leases to total assets | 58.5840% | 3,944 |
| Net loans and leases to deposits | 71.5199% | 3,504 |
| Net loans and leases to core deposits | 72.8767% | 4,035 |
| Total domestic deposits to total assets | 81.9128% | 5,330 |
| Equity capital to assets | 8.9459% | 5,576 |
| Core capital (leverage) ratio | 8.3962% | 5,746 |
| Tier 1 risk-based capital ratio | 12.3029% | 5,756 |
| Total risk-based capital ratio | 13.4458% | 5,800 |
| Memoranda: |
| Average total assets | $78,967,000 | 5,513 |
| Average earning assets | $75,050,500 | 5,397 |
| Average equity | $7,042,500 | 5,857 |
| Average total loans | $45,499,000 | 5,393 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9828% | 2,955 |
| Cost of funding earning assets | 1.7218% | 299 |
| Net interest margin | 3.2610% | 5,929 |
| Noninterest income to average assets | 0.6665% | 2,797 |
| Noninterest expense to average assets | 2.2079% | 6,252 |
| Loan and lease loss provision to assets | 0.1202% | 5,099 |
| Net operating income to assets | 1.4172% | 989 |
| Return on assets (ROA) | 1.4679% | 968 |
| Pretax return on assets | 1.4679% | 1,566 |
| Return on Equity (ROE) | 17.1408% | 463 |
| Retained earnings to average equity (ytd only) | 10.6994% | 447 |
| Net charge-offs to loans | 0.0045% | 6,381 |
| Credit loss provision to net charge-offs | 4,500.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 575.5000% | 53 |
| Efficiency ratio | 58.9515% | 5,905 |
| Assets per employee ($millions) | 5.5386% | 1,597 |
| Cash dividends to net income (ytd only)* | 37.5796% | 2,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3630% | 4,624 |
| Loan loss allowance to noncurrent loans | 842.8571% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.9879% | 4,632 |
| Noncurrent loans to loans | 0.1617% | 6,432 |
| Net loans and leases to total assets | 55.0632% | 4,867 |
| Net loans and leases to deposits | 66.4157% | 4,680 |
| Net loans and leases to core deposits | 68.5032% | 4,970 |
| Total domestic deposits to total assets | 82.9069% | 4,786 |
| Equity capital to assets | 8.8896% | 5,685 |
| Core capital (leverage) ratio | 7.9622% | 6,300 |
| Tier 1 risk-based capital ratio | 12.2852% | 5,622 |
| Total risk-based capital ratio | 13.4334% | 5,678 |
| Memoranda: |
| Average total assets | $74,868,400 | 5,613 |
| Average earning assets | $70,682,800 | 5,515 |
| Average equity | $6,411,600 | 6,036 |
| Average total loans | $44,838,600 | 5,476 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0039% | 3,067 |
| Cost of funding earning assets | 1.7571% | 311 |
| Net interest margin | 3.2468% | 6,026 |
| Noninterest income to average assets | 0.6181% | 3,063 |
| Noninterest expense to average assets | 2.1922% | 6,292 |
| Loan and lease loss provision to assets | 0.1204% | 4,928 |
| Net operating income to assets | 1.3602% | 1,242 |
| Return on assets (ROA) | 1.4285% | 1,170 |
| Pretax return on assets | 1.4285% | 1,852 |
| Return on Equity (ROE) | 16.8483% | 585 |
| Retained earnings to average equity (ytd only) | 12.0164% | 496 |
| Net charge-offs to loans | -0.0177% | 6,882 |
| Credit loss provision to net charge-offs | -1,116.6667% | 6,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6869% | 5,771 |
| Assets per employee ($millions) | 5.4959% | 1,604 |
| Cash dividends to net income (ytd only)* | 28.6791% | 2,534 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2315% | 5,338 |
| Loan loss allowance to noncurrent loans | 1,554.0541% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.9423% | 4,871 |
| Noncurrent loans to loans | 0.0792% | 6,735 |
| Net loans and leases to total assets | 59.9340% | 4,142 |
| Net loans and leases to deposits | 72.2851% | 3,944 |
| Net loans and leases to core deposits | 74.9046% | 4,332 |
| Total domestic deposits to total assets | 82.9133% | 4,719 |
| Equity capital to assets | 8.6337% | 6,166 |
| Core capital (leverage) ratio | 7.9747% | 6,421 |
| Tier 1 risk-based capital ratio | 11.6326% | 6,151 |
| Total risk-based capital ratio | 12.7125% | 6,259 |
| Memoranda: |
| Average total assets | $74,200,500 | 5,675 |
| Average earning assets | $69,810,000 | 5,589 |
| Average equity | $6,291,250 | 6,115 |
| Average total loans | $45,226,750 | 5,506 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0294% | 3,015 |
| Cost of funding earning assets | 1.7644% | 360 |
| Net interest margin | 3.2651% | 5,954 |
| Noninterest income to average assets | 0.6522% | 2,821 |
| Noninterest expense to average assets | 2.2296% | 6,306 |
| Loan and lease loss provision to assets | 0.1228% | 4,751 |
| Net operating income to assets | 1.3754% | 1,134 |
| Return on assets (ROA) | 1.3754% | 1,207 |
| Pretax return on assets | 1.3754% | 1,878 |
| Return on Equity (ROE) | 16.3265% | 634 |
| Retained earnings to average equity (ytd only) | 12.2773% | 487 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8097% | 5,901 |
| Assets per employee ($millions) | 5.4159% | 1,643 |
| Cash dividends to net income (ytd only)* | 24.8016% | 2,689 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1747% | 5,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4349% | 4,057 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 60.6940% | 4,147 |
| Net loans and leases to deposits | 73.2185% | 3,915 |
| Net loans and leases to core deposits | 75.9118% | 4,330 |
| Total domestic deposits to total assets | 82.8944% | 4,802 |
| Equity capital to assets | 8.5383% | 6,142 |
| Core capital (leverage) ratio | 8.0753% | 6,201 |
| Tier 1 risk-based capital ratio | 11.2533% | 6,351 |
| Total risk-based capital ratio | 12.2782% | 6,493 |
| Memoranda: |
| Average total assets | $73,286,330 | 5,740 |
| Average earning assets | $69,033,670 | 5,657 |
| Average equity | $6,174,000 | 6,180 |
| Average total loans | $44,739,000 | 5,577 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7923% | 4,094 |
| Cost of funding earning assets | 1.7838% | 400 |
| Net interest margin | 3.0084% | 6,556 |
| Noninterest income to average assets | 0.5832% | 3,286 |
| Noninterest expense to average assets | 2.1495% | 6,531 |
| Loan and lease loss provision to assets | 0.1222% | 4,482 |
| Net operating income to assets | 1.1497% | 1,669 |
| Return on assets (ROA) | 1.1497% | 1,717 |
| Pretax return on assets | 1.1497% | 2,565 |
| Return on Equity (ROE) | 13.7450% | 1,035 |
| Retained earnings to average equity (ytd only) | 13.7450% | 498 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8247% | 5,550 |
| Assets per employee ($millions) | 5.2457% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1522% | 5,840 |
| Loan loss allowance to noncurrent loans | 53.5787% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 2.0847% | 3,215 |
| Noncurrent loans to loans | 2.1505% | 3,384 |
| Net loans and leases to total assets | 61.2105% | 4,035 |
| Net loans and leases to deposits | 73.8557% | 3,781 |
| Net loans and leases to core deposits | 77.8016% | 4,047 |
| Total domestic deposits to total assets | 82.8785% | 4,971 |
| Equity capital to assets | 8.3660% | 6,089 |
| Core capital (leverage) ratio | 8.2713% | 5,864 |
| Tier 1 risk-based capital ratio | 11.2894% | 6,267 |
| Total risk-based capital ratio | 12.3033% | 6,454 |
| Memoranda: |
| Average total assets | $72,018,000 | 5,818 |
| Average earning assets | $67,943,000 | 5,734 |
| Average equity | $6,024,000 | 6,241 |
| Average total loans | $43,825,000 | 5,664 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0173% | 4,468 |
| Cost of funding earning assets | 2.0395% | 521 |
| Net interest margin | 2.9778% | 6,777 |
| Noninterest income to average assets | 1.0078% | 1,479 |
| Noninterest expense to average assets | 2.3520% | 6,215 |
| Loan and lease loss provision to assets | 0.3178% | 4,266 |
| Net operating income to assets | 1.1473% | 1,549 |
| Return on assets (ROA) | 1.1473% | 1,634 |
| Pretax return on assets | 1.1473% | 2,407 |
| Return on Equity (ROE) | 12.9362% | 1,104 |
| Retained earnings to average equity (ytd only) | 8.7581% | 767 |
| Net charge-offs to loans | 0.3370% | 4,326 |
| Credit loss provision to net charge-offs | 139.4558% | 2,725 |
| Earnings coverage of net charge-offs (x) | 6.4286% | 2,361 |
| Efficiency ratio | 61.6166% | 5,791 |
| Assets per employee ($millions) | 5.0426% | 2,093 |
| Cash dividends to net income (ytd only)* | 32.2973% | 2,937 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1903% | 5,568 |
| Loan loss allowance to noncurrent loans | 46.5246% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 2.3117% | 2,957 |
| Noncurrent loans to loans | 2.5585% | 2,974 |
| Net loans and leases to total assets | 59.0274% | 4,839 |
| Net loans and leases to deposits | 70.3522% | 4,773 |
| Net loans and leases to core deposits | 73.8821% | 4,992 |
| Total domestic deposits to total assets | 83.9028% | 4,398 |
| Equity capital to assets | 8.3631% | 6,057 |
| Core capital (leverage) ratio | 8.1112% | 5,993 |
| Tier 1 risk-based capital ratio | 11.5682% | 5,849 |
| Total risk-based capital ratio | 12.6002% | 6,031 |
| Memoranda: |
| Average total assets | $64,497,000 | 6,049 |
| Average earning assets | $60,849,400 | 5,966 |
| Average equity | $5,720,400 | 6,454 |
| Average total loans | $43,617,600 | 5,762 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0938% | 4,357 |
| Cost of funding earning assets | 2.0805% | 578 |
| Net interest margin | 3.0132% | 6,802 |
| Noninterest income to average assets | 0.9125% | 1,752 |
| Noninterest expense to average assets | 2.3989% | 6,040 |
| Loan and lease loss provision to assets | 0.2371% | 4,704 |
| Net operating income to assets | 1.1222% | 1,818 |
| Return on assets (ROA) | 1.1222% | 1,929 |
| Pretax return on assets | 1.1222% | 2,763 |
| Return on Equity (ROE) | 12.4531% | 1,395 |
| Retained earnings to average equity (ytd only) | 9.3280% | 953 |
| Net charge-offs to loans | 0.2850% | 4,233 |
| Credit loss provision to net charge-offs | 119.1489% | 3,470 |
| Earnings coverage of net charge-offs (x) | 6.8298% | 2,443 |
| Efficiency ratio | 63.8310% | 5,274 |
| Assets per employee ($millions) | 4.6904% | 2,609 |
| Cash dividends to net income (ytd only)* | 25.0945% | 2,753 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0607% | 6,113 |
| Loan loss allowance to noncurrent loans | 30.0390% | 6,325 |
| Noncurrent assets plus other real estate owned to assets | 2.6727% | 2,699 |
| Noncurrent loans to loans | 3.5309% | 2,230 |
| Net loans and leases to total assets | 65.6301% | 3,770 |
| Net loans and leases to deposits | 79.6202% | 3,517 |
| Net loans and leases to core deposits | 84.7979% | 3,837 |
| Total domestic deposits to total assets | 82.4290% | 4,825 |
| Equity capital to assets | 9.0703% | 5,491 |
| Core capital (leverage) ratio | 8.4579% | 5,586 |
| Tier 1 risk-based capital ratio | 11.2857% | 6,112 |
| Total risk-based capital ratio | 12.2298% | 6,376 |
| Memoranda: |
| Average total assets | $62,972,250 | 6,162 |
| Average earning assets | $59,470,000 | 6,079 |
| Average equity | $5,674,500 | 6,545 |
| Average total loans | $43,978,750 | 5,829 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0855% | 4,532 |
| Cost of funding earning assets | 2.0936% | 669 |
| Net interest margin | 2.9919% | 6,844 |
| Noninterest income to average assets | 0.9698% | 1,458 |
| Noninterest expense to average assets | 2.4422% | 5,935 |
| Loan and lease loss provision to assets | 0.2900% | 4,067 |
| Net operating income to assets | 1.0600% | 1,983 |
| Return on assets (ROA) | 1.0600% | 2,055 |
| Pretax return on assets | 1.0600% | 2,902 |
| Return on Equity (ROE) | 11.7907% | 1,507 |
| Retained earnings to average equity (ytd only) | 9.2820% | 1,022 |
| Net charge-offs to loans | 0.4352% | 3,245 |
| Credit loss provision to net charge-offs | 93.7500% | 4,302 |
| Earnings coverage of net charge-offs (x) | 4.3646% | 2,975 |
| Efficiency ratio | 64.4010% | 5,257 |
| Assets per employee ($millions) | 4.5594% | 2,775 |
| Cash dividends to net income (ytd only)* | 21.2766% | 2,853 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9851% | 6,461 |
| Loan loss allowance to noncurrent loans | 28.4785% | 6,466 |
| Noncurrent assets plus other real estate owned to assets | 2.7494% | 2,630 |
| Noncurrent loans to loans | 3.4591% | 2,295 |
| Net loans and leases to total assets | 68.9696% | 3,137 |
| Net loans and leases to deposits | 83.5608% | 2,961 |
| Net loans and leases to core deposits | 90.5806% | 3,178 |
| Total domestic deposits to total assets | 82.5383% | 4,769 |
| Equity capital to assets | 8.9800% | 5,481 |
| Core capital (leverage) ratio | 8.6498% | 5,156 |
| Tier 1 risk-based capital ratio | 10.9569% | 6,285 |
| Total risk-based capital ratio | 11.8481% | 6,608 |
| Memoranda: |
| Average total assets | $62,074,670 | 6,231 |
| Average earning assets | $58,558,330 | 6,156 |
| Average equity | $5,580,670 | 6,592 |
| Average total loans | $44,119,000 | 5,861 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9813% | 5,104 |
| Cost of funding earning assets | 2.1528% | 682 |
| Net interest margin | 2.8286% | 7,140 |
| Noninterest income to average assets | 0.8497% | 1,814 |
| Noninterest expense to average assets | 2.5034% | 5,715 |
| Loan and lease loss provision to assets | 0.1503% | 5,040 |
| Net operating income to assets | 0.8497% | 2,754 |
| Return on assets (ROA) | 0.8497% | 2,846 |
| Pretax return on assets | 0.8497% | 3,671 |
| Return on Equity (ROE) | 9.4460% | 2,320 |
| Retained earnings to average equity (ytd only) | 9.4460% | 1,286 |
| Net charge-offs to loans | 0.3914% | 2,872 |
| Credit loss provision to net charge-offs | 53.4884% | 4,428 |
| Earnings coverage of net charge-offs (x) | 3.5581% | 2,869 |
| Efficiency ratio | 71.4552% | 4,031 |
| Assets per employee ($millions) | 4.4550% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9415% | 6,704 |
| Loan loss allowance to noncurrent loans | 26.5498% | 6,628 |
| Noncurrent assets plus other real estate owned to assets | 3.0271% | 2,365 |
| Noncurrent loans to loans | 3.5461% | 2,252 |
| Net loans and leases to total assets | 71.5280% | 2,564 |
| Net loans and leases to deposits | 86.7651% | 2,459 |
| Net loans and leases to core deposits | 93.7463% | 2,871 |
| Total domestic deposits to total assets | 82.4387% | 4,877 |
| Equity capital to assets | 8.9450% | 5,358 |
| Core capital (leverage) ratio | 8.7494% | 4,942 |
| Tier 1 risk-based capital ratio | 10.5623% | 6,575 |
| Total risk-based capital ratio | 11.4143% | 6,910 |
| Memoranda: |
| Average total assets | $61,196,500 | 6,338 |
| Average earning assets | $57,414,500 | 6,263 |
| Average equity | $5,505,000 | 6,672 |
| Average total loans | $43,947,500 | 5,938 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9530% | 2,044 |
| Cost of funding earning assets | 2.4890% | 1,047 |
| Net interest margin | 3.4640% | 5,112 |
| Noninterest income to average assets | 0.9334% | 1,818 |
| Noninterest expense to average assets | 2.6216% | 5,707 |
| Loan and lease loss provision to assets | 0.2437% | 5,433 |
| Net operating income to assets | 1.3397% | 959 |
| Return on assets (ROA) | 1.3740% | 945 |
| Pretax return on assets | 1.3740% | 1,494 |
| Return on Equity (ROE) | 14.2259% | 749 |
| Retained earnings to average equity (ytd only) | 5.2155% | 1,709 |
| Net charge-offs to loans | 0.3802% | 4,306 |
| Credit loss provision to net charge-offs | 85.9873% | 6,130 |
| Earnings coverage of net charge-offs (x) | 5.5860% | 2,553 |
| Efficiency ratio | 62.3444% | 6,092 |
| Assets per employee ($millions) | 4.2874% | 3,288 |
| Cash dividends to net income (ytd only)* | 63.3377% | 1,851 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0360% | 6,193 |
| Loan loss allowance to noncurrent loans | 54.2125% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 1.3645% | 4,379 |
| Noncurrent loans to loans | 1.9109% | 3,786 |
| Net loans and leases to total assets | 70.6646% | 3,083 |
| Net loans and leases to deposits | 86.2356% | 2,872 |
| Net loans and leases to core deposits | 105.6019% | 3,383 |
| Total domestic deposits to total assets | 81.9436% | 4,972 |
| Equity capital to assets | 9.0482% | 5,064 |
| Core capital (leverage) ratio | 8.9056% | 4,581 |
| Tier 1 risk-based capital ratio | 10.8874% | 6,022 |
| Total risk-based capital ratio | 11.8304% | 6,301 |
| Memoranda: |
| Average total assets | $55,386,000 | 6,516 |
| Average earning assets | $52,309,800 | 6,444 |
| Average equity | $5,349,400 | 6,824 |
| Average total loans | $41,291,000 | 6,046 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9177% | 2,365 |
| Cost of funding earning assets | 2.5752% | 1,091 |
| Net interest margin | 3.3425% | 5,476 |
| Noninterest income to average assets | 0.9147% | 1,922 |
| Noninterest expense to average assets | 2.6702% | 5,454 |
| Loan and lease loss provision to assets | 0.3098% | 4,493 |
| Net operating income to assets | 1.0941% | 1,749 |
| Return on assets (ROA) | 1.1409% | 1,680 |
| Pretax return on assets | 1.1409% | 2,446 |
| Return on Equity (ROE) | 11.6091% | 1,466 |
| Retained earnings to average equity (ytd only) | 9.1573% | 802 |
| Net charge-offs to loans | 0.5412% | 3,060 |
| Credit loss provision to net charge-offs | 75.9036% | 5,867 |
| Earnings coverage of net charge-offs (x) | 3.4397% | 3,532 |
| Efficiency ratio | 65.5401% | 5,451 |
| Assets per employee ($millions) | 3.6966% | 4,434 |
| Cash dividends to net income (ytd only)* | 21.1202% | 3,201 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0000% | 6,289 |
| Loan loss allowance to noncurrent loans | 48.9655% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 1.5690% | 4,009 |
| Noncurrent loans to loans | 2.0423% | 3,574 |
| Net loans and leases to total assets | 76.0555% | 1,987 |
| Net loans and leases to deposits | 95.1792% | 1,684 |
| Net loans and leases to core deposits | 116.9041% | 2,533 |
| Total domestic deposits to total assets | 79.9077% | 5,464 |
| Equity capital to assets | 10.0651% | 4,005 |
| Core capital (leverage) ratio | 9.4445% | 3,989 |
| Tier 1 risk-based capital ratio | 11.1721% | 5,789 |
| Total risk-based capital ratio | 12.0849% | 6,084 |
| Memoranda: |
| Average total assets | $54,226,750 | 6,602 |
| Average earning assets | $51,257,000 | 6,529 |
| Average equity | $5,329,000 | 6,896 |
| Average total loans | $40,899,000 | 6,110 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9062% | 2,557 |
| Cost of funding earning assets | 2.6245% | 1,221 |
| Net interest margin | 3.2817% | 5,615 |
| Noninterest income to average assets | 0.9439% | 1,782 |
| Noninterest expense to average assets | 2.6942% | 5,403 |
| Loan and lease loss provision to assets | 0.1003% | 6,168 |
| Net operating income to assets | 1.2486% | 1,360 |
| Return on assets (ROA) | 1.2486% | 1,434 |
| Pretax return on assets | 1.2486% | 2,167 |
| Return on Equity (ROE) | 12.8122% | 1,215 |
| Retained earnings to average equity (ytd only) | 9.6473% | 795 |
| Net charge-offs to loans | 0.0942% | 5,236 |
| Credit loss provision to net charge-offs | 142.1053% | 3,271 |
| Earnings coverage of net charge-offs (x) | 19.1053% | 1,380 |
| Efficiency ratio | 66.6360% | 5,429 |
| Assets per employee ($millions) | 3.6867% | 4,360 |
| Cash dividends to net income (ytd only)* | 24.7024% | 3,019 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1227% | 5,441 |
| Loan loss allowance to noncurrent loans | 89.6030% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.9566% | 5,066 |
| Noncurrent loans to loans | 1.2530% | 4,699 |
| Net loans and leases to total assets | 75.4851% | 2,319 |
| Net loans and leases to deposits | 94.0816% | 2,076 |
| Net loans and leases to core deposits | 113.2962% | 2,988 |
| Total domestic deposits to total assets | 80.2336% | 5,380 |
| Equity capital to assets | 9.6996% | 4,349 |
| Core capital (leverage) ratio | 9.4579% | 3,943 |
| Tier 1 risk-based capital ratio | 11.1029% | 5,774 |
| Total risk-based capital ratio | 12.1348% | 5,941 |
| Memoranda: |
| Average total assets | $53,819,330 | 6,679 |
| Average earning assets | $50,828,000 | 6,600 |
| Average equity | $5,245,000 | 6,983 |
| Average total loans | $40,332,670 | 6,193 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8277% | 3,157 |
| Cost of funding earning assets | 2.6983% | 1,278 |
| Net interest margin | 3.1294% | 6,105 |
| Noninterest income to average assets | 0.9269% | 1,745 |
| Noninterest expense to average assets | 2.6527% | 5,212 |
| Loan and lease loss provision to assets | 0.1356% | 5,222 |
| Net operating income to assets | 1.0927% | 1,982 |
| Return on assets (ROA) | 1.0927% | 2,112 |
| Pretax return on assets | 1.0927% | 3,011 |
| Return on Equity (ROE) | 11.1850% | 1,916 |
| Retained earnings to average equity (ytd only) | 11.1850% | 934 |
| Net charge-offs to loans | 0.0102% | 5,496 |
| Credit loss provision to net charge-offs | 1,800.0000% | 354 |
| Earnings coverage of net charge-offs (x) | 163.0000% | 268 |
| Efficiency ratio | 68.3495% | 4,902 |
| Assets per employee ($millions) | 3.7954% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2100% | 4,735 |
| Loan loss allowance to noncurrent loans | 103.4261% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 1.1461% | 4,385 |
| Noncurrent loans to loans | 1.1699% | 4,646 |
| Net loans and leases to total assets | 74.2133% | 2,702 |
| Net loans and leases to deposits | 93.0157% | 2,431 |
| Net loans and leases to core deposits | 110.5151% | 3,368 |
| Total domestic deposits to total assets | 79.7858% | 5,437 |
| Equity capital to assets | 9.9424% | 4,061 |
| Core capital (leverage) ratio | 9.2470% | 4,328 |
| Tier 1 risk-based capital ratio | 11.4801% | 5,438 |
| Total risk-based capital ratio | 12.5908% | 5,466 |
| Memoranda: |
| Average total assets | $53,078,500 | 6,737 |
| Average earning assets | $50,105,500 | 6,657 |
| Average equity | $5,185,500 | 7,058 |
| Average total loans | $39,390,000 | 6,260 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5210% | 2,853 |
| Cost of funding earning assets | 3.3017% | 926 |
| Net interest margin | 3.2193% | 6,308 |
| Noninterest income to average assets | 0.8767% | 2,074 |
| Noninterest expense to average assets | 2.5376% | 5,864 |
| Loan and lease loss provision to assets | 0.1701% | 5,205 |
| Net operating income to assets | 1.1961% | 1,784 |
| Return on assets (ROA) | 1.2168% | 1,670 |
| Pretax return on assets | 1.2168% | 2,587 |
| Return on Equity (ROE) | 12.7172% | 1,402 |
| Retained earnings to average equity (ytd only) | 4.8381% | 2,121 |
| Net charge-offs to loans | 0.0463% | 6,122 |
| Credit loss provision to net charge-offs | 500.0000% | 870 |
| Earnings coverage of net charge-offs (x) | 40.1667% | 930 |
| Efficiency ratio | 65.0048% | 5,327 |
| Assets per employee ($millions) | 3.7872% | 3,988 |
| Cash dividends to net income (ytd only)* | 61.9565% | 2,584 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1991% | 4,538 |
| Loan loss allowance to noncurrent loans | 119.4872% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.7356% | 5,015 |
| Noncurrent loans to loans | 1.0035% | 4,584 |
| Net loans and leases to total assets | 72.4185% | 3,498 |
| Net loans and leases to deposits | 88.4092% | 3,740 |
| Net loans and leases to core deposits | 104.8096% | 4,318 |
| Total domestic deposits to total assets | 81.9128% | 4,237 |
| Equity capital to assets | 9.5962% | 4,548 |
| Core capital (leverage) ratio | 9.1700% | 4,487 |
| Tier 1 risk-based capital ratio | 11.2441% | 5,494 |
| Total risk-based capital ratio | 12.3251% | 5,548 |
| Memoranda: |
| Average total assets | $52,924,200 | 6,664 |
| Average earning assets | $49,762,400 | 6,600 |
| Average equity | $5,064,000 | 7,121 |
| Average total loans | $38,855,800 | 6,231 |
