| 2025-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4763% | 3,918 |
| Cost of funding earning assets | 1.2151% | 3,717 |
| Net interest margin | 3.2612% | 2,855 |
| Noninterest income to average assets | 0.2900% | 2,950 |
| Noninterest expense to average assets | 2.3196% | 2,797 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.0710% | 2,078 |
| Return on assets (ROA) | 1.0710% | 2,086 |
| Pretax return on assets | 1.1162% | 2,461 |
| Return on Equity (ROE) | 9.8800% | 2,351 |
| Retained earnings to average equity (ytd only) | 9.8796% | 1,205 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 67.5131% | 2,091 |
| Assets per employee ($millions) | 7.3156% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7058% | 643 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 44.8500% | 3,805 |
| Net loans and leases to deposits | 51.9962% | 3,800 |
| Net loans and leases to core deposits | 54.3277% | 3,875 |
| Total domestic deposits to total assets | 86.2600% | 2,214 |
| Equity capital to assets | 11.1611% | 1,583 |
| Core capital (leverage) ratio | 11.2920% | 1,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: |
| Average total assets | $132,954,000 | 3,522 |
| Average earning assets | $128,052,000 | 3,468 |
| Average equity | $14,413,500 | 3,425 |
| Average total loans | $62,157,000 | 3,674 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4399% | 3,933 |
| Cost of funding earning assets | 1.3738% | 3,564 |
| Net interest margin | 3.0662% | 3,028 |
| Noninterest income to average assets | 0.3100% | 3,001 |
| Noninterest expense to average assets | 2.0888% | 3,403 |
| Loan and lease loss provision to assets | 0.1400% | 990 |
| Net operating income to assets | 0.9858% | 2,102 |
| Return on assets (ROA) | 0.9858% | 2,096 |
| Pretax return on assets | 1.0153% | 2,494 |
| Return on Equity (ROE) | 9.0600% | 2,452 |
| Retained earnings to average equity (ytd only) | 1.9209% | 3,405 |
| Net charge-offs to loans | 0.0016% | 2,988 |
| Credit loss provision to net charge-offs | 17,600.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 1,483.0000% | 81 |
| Efficiency ratio | 64.4535% | 2,682 |
| Assets per employee ($millions) | 7.8958% | 1,589 |
| Cash dividends to net income (ytd only)* | 78.8022% | 600 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5960% | 807 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 47.0800% | 3,773 |
| Net loans and leases to deposits | 54.2573% | 3,784 |
| Net loans and leases to core deposits | 56.7417% | 3,862 |
| Total domestic deposits to total assets | 86.7800% | 1,944 |
| Equity capital to assets | 10.5269% | 1,815 |
| Core capital (leverage) ratio | 10.9425% | 2,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: |
| Average total assets | $128,732,400 | 3,546 |
| Average earning assets | $123,020,000 | 3,496 |
| Average equity | $14,003,600 | 3,419 |
| Average total loans | $63,139,200 | 3,653 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2686% | 4,059 |
| Cost of funding earning assets | 1.2656% | 3,680 |
| Net interest margin | 3.0030% | 3,048 |
| Noninterest income to average assets | 0.3200% | 2,866 |
| Noninterest expense to average assets | 1.9420% | 3,674 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.1915% | 1,495 |
| Return on assets (ROA) | 1.1915% | 1,495 |
| Pretax return on assets | 1.2375% | 1,847 |
| Return on Equity (ROE) | 11.0500% | 1,865 |
| Retained earnings to average equity (ytd only) | 11.0482% | 682 |
| Net charge-offs to loans | 0.0031% | 2,387 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 780.0000% | 146 |
| Efficiency ratio | 61.0778% | 3,104 |
| Assets per employee ($millions) | 7.0633% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3542% | 1,529 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 48.6400% | 3,715 |
| Net loans and leases to deposits | 56.1016% | 3,747 |
| Net loans and leases to core deposits | 58.2314% | 3,822 |
| Total domestic deposits to total assets | 86.7100% | 1,753 |
| Equity capital to assets | 11.0791% | 1,530 |
| Core capital (leverage) ratio | 12.0108% | 1,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: |
| Average total assets | $126,057,333 | 3,588 |
| Average earning assets | $119,946,000 | 3,537 |
| Average equity | $13,595,000 | 3,431 |
| Average total loans | $63,721,333 | 3,668 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2050% | 4,065 |
| Cost of funding earning assets | 1.1204% | 3,844 |
| Net interest margin | 3.0846% | 2,827 |
| Noninterest income to average assets | 0.3300% | 2,750 |
| Noninterest expense to average assets | 2.0141% | 3,542 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.1823% | 1,482 |
| Return on assets (ROA) | 1.1823% | 1,489 |
| Pretax return on assets | 1.2301% | 1,815 |
| Return on Equity (ROE) | 11.1200% | 1,819 |
| Retained earnings to average equity (ytd only) | 11.1165% | 891 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 62.0825% | 3,024 |
| Assets per employee ($millions) | 7.0859% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3331% | 1,636 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 52.1600% | 3,483 |
| Net loans and leases to deposits | 60.3521% | 3,496 |
| Net loans and leases to core deposits | 63.8403% | 3,608 |
| Total domestic deposits to total assets | 86.4300% | 1,955 |
| Equity capital to assets | 11.2825% | 1,394 |
| Core capital (leverage) ratio | 11.4807% | 1,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: |
| Average total assets | $125,516,000 | 3,604 |
| Average earning assets | $118,525,000 | 3,563 |
| Average equity | $13,349,500 | 3,471 |
| Average total loans | $64,234,000 | 3,672 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6611% | 4,306 |
| Cost of funding earning assets | 0.7515% | 3,851 |
| Net interest margin | 2.9096% | 3,461 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 1.8611% | 3,907 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.1362% | 1,814 |
| Return on assets (ROA) | 1.1362% | 1,796 |
| Pretax return on assets | 1.1798% | 2,190 |
| Return on Equity (ROE) | 12.1900% | 1,912 |
| Retained earnings to average equity (ytd only) | 4.1220% | 2,913 |
| Net charge-offs to loans | 0.0177% | 2,007 |
| Credit loss provision to net charge-offs | 345.4545% | 864 |
| Earnings coverage of net charge-offs (x) | 146.0909% | 722 |
| Efficiency ratio | 60.6320% | 3,010 |
| Assets per employee ($millions) | 7.2539% | 1,900 |
| Cash dividends to net income (ytd only)* | 66.1813% | 962 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3121% | 1,711 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 48.9600% | 3,664 |
| Net loans and leases to deposits | 55.9674% | 3,708 |
| Net loans and leases to core deposits | 58.2234% | 3,831 |
| Total domestic deposits to total assets | 87.4800% | 1,527 |
| Equity capital to assets | 10.0390% | 1,982 |
| Core capital (leverage) ratio | 11.0364% | 1,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $132,988,000 | 3,522 |
| Average earning assets | $126,820,200 | 3,473 |
| Average equity | $12,397,000 | 3,491 |
| Average total loans | $62,285,400 | 3,676 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6319% | 4,279 |
| Cost of funding earning assets | 0.7299% | 3,696 |
| Net interest margin | 2.9020% | 3,538 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 1.8144% | 3,950 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.2006% | 1,798 |
| Return on assets (ROA) | 1.2006% | 1,785 |
| Pretax return on assets | 1.2446% | 2,187 |
| Return on Equity (ROE) | 13.1300% | 1,873 |
| Retained earnings to average equity (ytd only) | 13.1265% | 794 |
| Net charge-offs to loans | 0.0151% | 1,854 |
| Credit loss provision to net charge-offs | 214.2857% | 1,075 |
| Earnings coverage of net charge-offs (x) | 180.2857% | 645 |
| Efficiency ratio | 59.0260% | 3,083 |
| Assets per employee ($millions) | 6.7808% | 2,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3470% | 1,659 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 47.2400% | 3,775 |
| Net loans and leases to deposits | 53.1607% | 3,829 |
| Net loans and leases to core deposits | 55.1427% | 3,894 |
| Total domestic deposits to total assets | 88.8600% | 1,300 |
| Equity capital to assets | 10.0663% | 1,795 |
| Core capital (leverage) ratio | 11.3843% | 1,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $133,592,250 | 3,520 |
| Average earning assets | $128,413,000 | 3,465 |
| Average equity | $12,219,250 | 3,509 |
| Average total loans | $61,661,500 | 3,692 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5059% | 4,339 |
| Cost of funding earning assets | 0.7018% | 3,483 |
| Net interest margin | 2.8041% | 3,813 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 1.7459% | 4,089 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1821% | 1,877 |
| Return on assets (ROA) | 1.1821% | 1,870 |
| Pretax return on assets | 1.2251% | 2,303 |
| Return on Equity (ROE) | 13.3500% | 1,827 |
| Retained earnings to average equity (ytd only) | 13.3508% | 762 |
| Net charge-offs to loans | 0.0227% | 1,427 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 118.2857% | 851 |
| Efficiency ratio | 58.7649% | 3,104 |
| Assets per employee ($millions) | 7.1205% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3713% | 1,634 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 43.3800% | 3,906 |
| Net loans and leases to deposits | 48.3794% | 3,975 |
| Net loans and leases to core deposits | 50.0717% | 4,019 |
| Total domestic deposits to total assets | 89.6700% | 1,024 |
| Equity capital to assets | 9.0406% | 2,491 |
| Core capital (leverage) ratio | 10.6467% | 2,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $135,177,667 | 3,517 |
| Average earning assets | $129,665,667 | 3,463 |
| Average equity | $11,969,333 | 3,539 |
| Average total loans | $61,651,333 | 3,695 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3971% | 4,375 |
| Cost of funding earning assets | 0.7200% | 2,988 |
| Net interest margin | 2.6770% | 4,101 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 1.6903% | 4,206 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1190% | 2,168 |
| Return on assets (ROA) | 1.1190% | 2,137 |
| Pretax return on assets | 1.1634% | 2,530 |
| Return on Equity (ROE) | 12.7700% | 2,028 |
| Retained earnings to average equity (ytd only) | 12.7719% | 1,127 |
| Net charge-offs to loans | 0.0128% | 1,476 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 196.5000% | 511 |
| Efficiency ratio | 59.2324% | 3,054 |
| Assets per employee ($millions) | 8.3603% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3610% | 1,776 |
| Loan loss allowance to noncurrent loans | 20,525.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 3,887 |
| Noncurrent loans to loans | 0.0066% | 3,791 |
| Net loans and leases to total assets | 44.4800% | 3,844 |
| Net loans and leases to deposits | 49.6694% | 3,904 |
| Net loans and leases to core deposits | 50.2372% | 3,989 |
| Total domestic deposits to total assets | 89.5600% | 1,313 |
| Equity capital to assets | 9.1489% | 2,409 |
| Core capital (leverage) ratio | 10.3411% | 2,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $135,122,000 | 3,568 |
| Average earning assets | $129,994,000 | 3,505 |
| Average equity | $11,838,500 | 3,584 |
| Average total loans | $62,724,500 | 3,720 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6538% | 4,433 |
| Cost of funding earning assets | 0.3259% | 2,673 |
| Net interest margin | 2.3279% | 4,407 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.6093% | 4,295 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9018% | 2,954 |
| Return on assets (ROA) | 0.9018% | 2,889 |
| Pretax return on assets | 0.9404% | 3,242 |
| Return on Equity (ROE) | 10.6200% | 2,604 |
| Retained earnings to average equity (ytd only) | 10.6202% | 978 |
| Net charge-offs to loans | -0.0032% | 3,539 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.1173% | 2,613 |
| Assets per employee ($millions) | 8.5299% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2637% | 2,076 |
| Loan loss allowance to noncurrent loans | 20,575.0000% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 3,911 |
| Noncurrent loans to loans | 0.0061% | 3,824 |
| Net loans and leases to total assets | 47.1100% | 3,732 |
| Net loans and leases to deposits | 52.7953% | 3,743 |
| Net loans and leases to core deposits | 53.3937% | 3,842 |
| Total domestic deposits to total assets | 89.2400% | 1,650 |
| Equity capital to assets | 8.3815% | 2,781 |
| Core capital (leverage) ratio | 9.9135% | 2,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $137,385,800 | 3,559 |
| Average earning assets | $132,868,200 | 3,497 |
| Average equity | $11,666,400 | 3,700 |
| Average total loans | $61,715,200 | 3,696 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4860% | 4,454 |
| Cost of funding earning assets | 0.2019% | 3,250 |
| Net interest margin | 2.2841% | 4,415 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 1.5996% | 4,302 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8749% | 2,982 |
| Return on assets (ROA) | 0.8749% | 2,952 |
| Pretax return on assets | 0.9069% | 3,295 |
| Return on Equity (ROE) | 10.2700% | 2,641 |
| Retained earnings to average equity (ytd only) | 10.2699% | 1,267 |
| Net charge-offs to loans | -0.0044% | 3,444 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.8191% | 2,575 |
| Assets per employee ($millions) | 9.0980% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3750% | 1,692 |
| Loan loss allowance to noncurrent loans | 680.1653% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 3,045 |
| Noncurrent loans to loans | 0.2022% | 2,593 |
| Net loans and leases to total assets | 43.2600% | 3,921 |
| Net loans and leases to deposits | 48.4214% | 3,935 |
| Net loans and leases to core deposits | 48.9831% | 3,998 |
| Total domestic deposits to total assets | 89.3300% | 1,948 |
| Equity capital to assets | 7.8545% | 2,986 |
| Core capital (leverage) ratio | 9.6368% | 2,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $137,612,500 | 3,577 |
| Average earning assets | $133,381,500 | 3,512 |
| Average equity | $11,723,250 | 3,743 |
| Average total loans | $60,863,000 | 3,730 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.3210% | 4,507 |
| Cost of funding earning assets | 0.1348% | 3,778 |
| Net interest margin | 2.1862% | 4,449 |
| Noninterest income to average assets | 0.3102% | 3,303 |
| Noninterest expense to average assets | 1.6175% | 4,285 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7768% | 3,041 |
| Return on assets (ROA) | 0.7768% | 3,005 |
| Pretax return on assets | 0.8087% | 3,302 |
| Return on Equity (ROE) | 8.8904% | 2,733 |
| Retained earnings to average equity (ytd only) | 8.8904% | 1,320 |
| Net charge-offs to loans | -0.0065% | 3,436 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 2,422 |
| Assets per employee ($millions) | 9.3497% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3779% | 1,845 |
| Loan loss allowance to noncurrent loans | 337.2951% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 2,487 |
| Noncurrent loans to loans | 0.4085% | 1,901 |
| Net loans and leases to total assets | 42.0012% | 3,973 |
| Net loans and leases to deposits | 47.0078% | 3,984 |
| Net loans and leases to core deposits | 47.5389% | 4,051 |
| Total domestic deposits to total assets | 89.3494% | 2,025 |
| Equity capital to assets | 7.9332% | 3,171 |
| Core capital (leverage) ratio | 9.4581% | 2,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $137,993,333 | 3,619 |
| Average earning assets | $133,565,667 | 3,558 |
| Average equity | $12,058,000 | 3,779 |
| Average total loans | $61,199,000 | 3,769 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.2578% | 4,490 |
| Cost of funding earning assets | 0.1179% | 3,923 |
| Net interest margin | 2.1399% | 4,405 |
| Noninterest income to average assets | 0.2952% | 3,353 |
| Noninterest expense to average assets | 1.5899% | 4,312 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7423% | 2,884 |
| Return on assets (ROA) | 0.7423% | 2,879 |
| Pretax return on assets | 0.7745% | 3,186 |
| Return on Equity (ROE) | 8.1124% | 2,647 |
| Retained earnings to average equity (ytd only) | 8.1124% | 1,547 |
| Net charge-offs to loans | -0.0129% | 3,694 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2435% | 2,601 |
| Assets per employee ($millions) | 8.2171% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3175% | 2,270 |
| Loan loss allowance to noncurrent loans | 823.0000% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 3,351 |
| Noncurrent loans to loans | 0.1601% | 3,003 |
| Net loans and leases to total assets | 44.1299% | 3,730 |
| Net loans and leases to deposits | 49.3646% | 3,784 |
| Net loans and leases to core deposits | 49.9267% | 3,879 |
| Total domestic deposits to total assets | 89.3958% | 1,869 |
| Equity capital to assets | 8.6069% | 3,068 |
| Core capital (leverage) ratio | 9.4313% | 2,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $136,867,000 | 3,648 |
| Average earning assets | $132,340,500 | 3,590 |
| Average equity | $12,524,000 | 3,807 |
| Average total loans | $61,934,500 | 3,764 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8415% | 4,144 |
| Cost of funding earning assets | 0.1457% | 4,018 |
| Net interest margin | 2.6957% | 3,880 |
| Noninterest income to average assets | 0.2756% | 3,743 |
| Noninterest expense to average assets | 1.7604% | 4,206 |
| Loan and lease loss provision to assets | 0.0649% | 1,765 |
| Net operating income to assets | 1.0249% | 2,578 |
| Return on assets (ROA) | 1.0249% | 2,651 |
| Pretax return on assets | 1.0593% | 3,109 |
| Return on Equity (ROE) | 10.0818% | 2,496 |
| Retained earnings to average equity (ytd only) | 10.0818% | 899 |
| Net charge-offs to loans | 0.0017% | 2,596 |
| Credit loss provision to net charge-offs | 8,100.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 1,403.0000% | 104 |
| Efficiency ratio | 61.0278% | 2,992 |
| Assets per employee ($millions) | 7.8849% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3355% | 2,205 |
| Loan loss allowance to noncurrent loans | 803.9216% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 3,417 |
| Noncurrent loans to loans | 0.1661% | 3,114 |
| Net loans and leases to total assets | 45.1949% | 3,750 |
| Net loans and leases to deposits | 51.6145% | 3,759 |
| Net loans and leases to core deposits | 52.2399% | 3,877 |
| Total domestic deposits to total assets | 87.5623% | 2,257 |
| Equity capital to assets | 9.7170% | 2,927 |
| Core capital (leverage) ratio | 9.5286% | 2,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $124,798,200 | 3,747 |
| Average earning assets | $120,782,800 | 3,679 |
| Average equity | $12,686,200 | 3,861 |
| Average total loans | $60,372,800 | 3,808 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0442% | 3,916 |
| Cost of funding earning assets | 0.1516% | 4,095 |
| Net interest margin | 2.8926% | 3,571 |
| Noninterest income to average assets | 0.2634% | 3,825 |
| Noninterest expense to average assets | 1.7993% | 4,171 |
| Loan and lease loss provision to assets | 0.0882% | 1,354 |
| Net operating income to assets | 1.1451% | 2,388 |
| Return on assets (ROA) | 1.1451% | 2,448 |
| Pretax return on assets | 1.1800% | 2,993 |
| Return on Equity (ROE) | 11.1307% | 2,333 |
| Retained earnings to average equity (ytd only) | 11.1307% | 1,031 |
| Net charge-offs to loans | 0.0022% | 2,296 |
| Credit loss provision to net charge-offs | 8,100.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 1,165.0000% | 141 |
| Efficiency ratio | 58.6586% | 3,169 |
| Assets per employee ($millions) | 7.2154% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4443% | 1,834 |
| Loan loss allowance to noncurrent loans | 789.4231% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.0801% | 3,568 |
| Noncurrent loans to loans | 0.1830% | 3,212 |
| Net loans and leases to total assets | 43.1370% | 4,011 |
| Net loans and leases to deposits | 48.8879% | 4,074 |
| Net loans and leases to core deposits | 49.3095% | 4,177 |
| Total domestic deposits to total assets | 88.2366% | 1,702 |
| Equity capital to assets | 9.9995% | 2,897 |
| Core capital (leverage) ratio | 9.6932% | 2,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $122,486,750 | 3,820 |
| Average earning assets | $118,738,000 | 3,738 |
| Average equity | $12,601,500 | 3,925 |
| Average total loans | $60,115,750 | 3,865 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4418% | 3,047 |
| Cost of funding earning assets | 0.1584% | 4,135 |
| Net interest margin | 3.2834% | 2,500 |
| Noninterest income to average assets | 0.2649% | 3,812 |
| Noninterest expense to average assets | 1.8413% | 4,093 |
| Loan and lease loss provision to assets | 0.1350% | 910 |
| Net operating income to assets | 1.4297% | 1,487 |
| Return on assets (ROA) | 1.4297% | 1,551 |
| Pretax return on assets | 1.4664% | 2,120 |
| Return on Equity (ROE) | 13.7577% | 1,492 |
| Retained earnings to average equity (ytd only) | 13.7577% | 587 |
| Net charge-offs to loans | 0.0033% | 2,059 |
| Credit loss provision to net charge-offs | 8,100.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 961.0000% | 133 |
| Efficiency ratio | 53.4850% | 3,869 |
| Assets per employee ($millions) | 7.2552% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3414% | 2,236 |
| Loan loss allowance to noncurrent loans | 789.4231% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.0843% | 3,646 |
| Noncurrent loans to loans | 0.1699% | 3,365 |
| Net loans and leases to total assets | 48.9573% | 3,648 |
| Net loans and leases to deposits | 55.6515% | 3,735 |
| Net loans and leases to core deposits | 56.1582% | 3,879 |
| Total domestic deposits to total assets | 87.9713% | 1,843 |
| Equity capital to assets | 10.4210% | 2,467 |
| Core capital (leverage) ratio | 10.0410% | 2,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $120,023,333 | 3,853 |
| Average earning assets | $116,159,333 | 3,788 |
| Average equity | $12,473,000 | 3,945 |
| Average total loans | $61,205,667 | 3,876 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5302% | 2,829 |
| Cost of funding earning assets | 0.1714% | 4,152 |
| Net interest margin | 3.3588% | 2,221 |
| Noninterest income to average assets | 0.2703% | 3,780 |
| Noninterest expense to average assets | 1.9735% | 3,797 |
| Loan and lease loss provision to assets | 0.2703% | 368 |
| Net operating income to assets | 1.2335% | 2,034 |
| Return on assets (ROA) | 1.2335% | 2,120 |
| Pretax return on assets | 1.2706% | 2,653 |
| Return on Equity (ROE) | 11.8863% | 2,057 |
| Retained earnings to average equity (ytd only) | 11.8863% | 1,176 |
| Net charge-offs to loans | 0.0457% | 1,027 |
| Credit loss provision to net charge-offs | 1,142.8571% | 384 |
| Earnings coverage of net charge-offs (x) | 65.1429% | 787 |
| Efficiency ratio | 56.1538% | 3,527 |
| Assets per employee ($millions) | 6.8208% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3176% | 2,358 |
| Loan loss allowance to noncurrent loans | 598.5294% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 3,617 |
| Noncurrent loans to loans | 0.2201% | 3,315 |
| Net loans and leases to total assets | 49.6547% | 3,661 |
| Net loans and leases to deposits | 56.3033% | 3,770 |
| Net loans and leases to core deposits | 56.8165% | 3,920 |
| Total domestic deposits to total assets | 88.1913% | 1,742 |
| Equity capital to assets | 10.0909% | 2,622 |
| Core capital (leverage) ratio | 9.6400% | 2,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $118,366,000 | 3,882 |
| Average earning assets | $114,327,500 | 3,809 |
| Average equity | $12,283,000 | 3,970 |
| Average total loans | $61,206,500 | 3,894 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4444% | 4,132 |
| Cost of funding earning assets | 0.3803% | 3,705 |
| Net interest margin | 3.0640% | 3,715 |
| Noninterest income to average assets | 0.2642% | 3,895 |
| Noninterest expense to average assets | 1.9269% | 4,272 |
| Loan and lease loss provision to assets | 0.1023% | 3,049 |
| Net operating income to assets | 1.1351% | 1,783 |
| Return on assets (ROA) | 1.1351% | 1,906 |
| Pretax return on assets | 1.1734% | 2,428 |
| Return on Equity (ROE) | 10.9049% | 1,666 |
| Retained earnings to average equity (ytd only) | 1.5041% | 4,029 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1667% | 3,431 |
| Assets per employee ($millions) | 6.3310% | 2,060 |
| Cash dividends to net income (ytd only)* | 86.2069% | 483 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2220% | 2,834 |
| Loan loss allowance to noncurrent loans | 544.8529% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.1193% | 3,693 |
| Noncurrent loans to loans | 0.2243% | 3,398 |
| Net loans and leases to total assets | 52.5588% | 3,627 |
| Net loans and leases to deposits | 60.1084% | 3,752 |
| Net loans and leases to core deposits | 60.7042% | 3,903 |
| Total domestic deposits to total assets | 87.4401% | 1,728 |
| Equity capital to assets | 10.6855% | 2,536 |
| Core capital (leverage) ratio | 10.1739% | 2,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $112,408,200 | 3,849 |
| Average earning assets | $107,798,800 | 3,802 |
| Average equity | $11,701,200 | 4,002 |
| Average total loans | $62,919,400 | 3,868 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5827% | 4,059 |
| Cost of funding earning assets | 0.4342% | 3,616 |
| Net interest margin | 3.1485% | 3,625 |
| Noninterest income to average assets | 0.2464% | 4,001 |
| Noninterest expense to average assets | 1.9198% | 4,294 |
| Loan and lease loss provision to assets | 0.1366% | 2,647 |
| Net operating income to assets | 1.1724% | 1,737 |
| Return on assets (ROA) | 1.1724% | 1,860 |
| Pretax return on assets | 1.2105% | 2,355 |
| Return on Equity (ROE) | 11.3389% | 1,575 |
| Retained earnings to average equity (ytd only) | -1.3238% | 4,645 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7614% | 3,561 |
| Assets per employee ($millions) | 6.1882% | 2,098 |
| Cash dividends to net income (ytd only)* | 111.6751% | 217 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1864% | 2,743 |
| Loan loss allowance to noncurrent loans | 478.0645% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.1392% | 3,723 |
| Noncurrent loans to loans | 0.2482% | 3,411 |
| Net loans and leases to total assets | 55.4081% | 3,670 |
| Net loans and leases to deposits | 65.1082% | 3,689 |
| Net loans and leases to core deposits | 65.7981% | 3,901 |
| Total domestic deposits to total assets | 85.1016% | 2,397 |
| Equity capital to assets | 10.4518% | 2,836 |
| Core capital (leverage) ratio | 9.8259% | 2,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $112,020,750 | 3,852 |
| Average earning assets | $107,476,250 | 3,801 |
| Average equity | $11,582,250 | 4,023 |
| Average total loans | $63,490,250 | 3,873 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8229% | 3,800 |
| Cost of funding earning assets | 0.5030% | 3,514 |
| Net interest margin | 3.3199% | 3,334 |
| Noninterest income to average assets | 0.2317% | 4,096 |
| Noninterest expense to average assets | 1.8996% | 4,421 |
| Loan and lease loss provision to assets | 0.2049% | 2,003 |
| Net operating income to assets | 1.2635% | 1,455 |
| Return on assets (ROA) | 1.2635% | 1,575 |
| Pretax return on assets | 1.3027% | 2,020 |
| Return on Equity (ROE) | 12.2640% | 1,271 |
| Retained earnings to average equity (ytd only) | 12.2640% | 429 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7531% | 3,973 |
| Assets per employee ($millions) | 6.5291% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1509% | 2,776 |
| Loan loss allowance to noncurrent loans | 475.0000% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.1327% | 3,860 |
| Noncurrent loans to loans | 0.2423% | 3,513 |
| Net loans and leases to total assets | 54.1537% | 3,863 |
| Net loans and leases to deposits | 63.6908% | 3,903 |
| Net loans and leases to core deposits | 69.0421% | 3,780 |
| Total domestic deposits to total assets | 85.0259% | 2,388 |
| Equity capital to assets | 10.5767% | 2,682 |
| Core capital (leverage) ratio | 10.1932% | 2,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $112,231,667 | 3,830 |
| Average earning assets | $107,351,667 | 3,782 |
| Average equity | $11,562,333 | 4,037 |
| Average total loans | $63,834,000 | 3,875 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9150% | 4,009 |
| Cost of funding earning assets | 0.6103% | 3,381 |
| Net interest margin | 3.3047% | 3,579 |
| Noninterest income to average assets | 0.2446% | 4,096 |
| Noninterest expense to average assets | 1.8506% | 4,607 |
| Loan and lease loss provision to assets | 0.0548% | 3,082 |
| Net operating income to assets | 1.4418% | 898 |
| Return on assets (ROA) | 1.4418% | 971 |
| Pretax return on assets | 1.4819% | 1,350 |
| Return on Equity (ROE) | 14.1978% | 658 |
| Retained earnings to average equity (ytd only) | 14.1978% | 239 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6336% | 4,344 |
| Assets per employee ($millions) | 6.0999% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0106% | 3,647 |
| Loan loss allowance to noncurrent loans | 696.7391% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 4,186 |
| Noncurrent loans to loans | 0.1450% | 3,940 |
| Net loans and leases to total assets | 57.1832% | 3,739 |
| Net loans and leases to deposits | 64.7986% | 3,934 |
| Net loans and leases to core deposits | 69.8321% | 3,890 |
| Total domestic deposits to total assets | 88.2475% | 998 |
| Equity capital to assets | 9.8262% | 3,935 |
| Core capital (leverage) ratio | 10.5219% | 2,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $109,586,000 | 3,849 |
| Average earning assets | $104,214,000 | 3,817 |
| Average equity | $11,128,500 | 4,106 |
| Average total loans | $63,559,000 | 3,894 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5463% | 4,824 |
| Cost of funding earning assets | 0.6470% | 3,426 |
| Net interest margin | 2.8993% | 4,658 |
| Noninterest income to average assets | 0.3201% | 3,777 |
| Noninterest expense to average assets | 1.8441% | 4,722 |
| Loan and lease loss provision to assets | 0.0800% | 2,395 |
| Net operating income to assets | 1.1269% | 2,347 |
| Return on assets (ROA) | 1.1342% | 2,414 |
| Pretax return on assets | 1.1677% | 2,957 |
| Return on Equity (ROE) | 10.4104% | 2,115 |
| Retained earnings to average equity (ytd only) | 1.8703% | 4,058 |
| Net charge-offs to loans | 0.1173% | 1,575 |
| Credit loss provision to net charge-offs | 119.4444% | 2,116 |
| Earnings coverage of net charge-offs (x) | 18.5139% | 2,056 |
| Efficiency ratio | 59.7888% | 3,728 |
| Assets per employee ($millions) | 6.0763% | 1,579 |
| Cash dividends to net income (ytd only)* | 82.0345% | 737 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9829% | 3,599 |
| Loan loss allowance to noncurrent loans | 351.6854% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 3,829 |
| Noncurrent loans to loans | 0.2795% | 3,441 |
| Net loans and leases to total assets | 57.6600% | 3,794 |
| Net loans and leases to deposits | 66.4297% | 3,930 |
| Net loans and leases to core deposits | 70.8954% | 3,916 |
| Total domestic deposits to total assets | 86.7985% | 1,708 |
| Equity capital to assets | 10.4851% | 3,464 |
| Core capital (leverage) ratio | 10.3804% | 3,094 |
| Tier 1 risk-based capital ratio | 14.8349% | 2,852 |
| Total risk-based capital ratio | 15.6873% | 2,951 |
| Memoranda: |
| Average total assets | $107,480,200 | 3,872 |
| Average earning assets | $102,473,200 | 3,824 |
| Average equity | $11,709,400 | 4,034 |
| Average total loans | $61,381,400 | 3,958 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5326% | 4,935 |
| Cost of funding earning assets | 0.6458% | 3,473 |
| Net interest margin | 2.8868% | 4,772 |
| Noninterest income to average assets | 0.3364% | 3,722 |
| Noninterest expense to average assets | 1.8316% | 4,776 |
| Loan and lease loss provision to assets | 0.0872% | 2,173 |
| Net operating income to assets | 1.1318% | 2,443 |
| Return on assets (ROA) | 1.1413% | 2,490 |
| Pretax return on assets | 1.1899% | 3,010 |
| Return on Equity (ROE) | 10.3766% | 2,258 |
| Retained earnings to average equity (ytd only) | 10.3766% | 659 |
| Net charge-offs to loans | 0.1447% | 1,119 |
| Credit loss provision to net charge-offs | 106.0606% | 2,151 |
| Earnings coverage of net charge-offs (x) | 15.4088% | 2,187 |
| Efficiency ratio | 59.1074% | 3,790 |
| Assets per employee ($millions) | 6.1293% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9807% | 3,680 |
| Loan loss allowance to noncurrent loans | 550.0000% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 4,205 |
| Noncurrent loans to loans | 0.1783% | 3,898 |
| Net loans and leases to total assets | 56.3764% | 4,023 |
| Net loans and leases to deposits | 68.6228% | 3,872 |
| Net loans and leases to core deposits | 71.6059% | 3,970 |
| Total domestic deposits to total assets | 82.1541% | 3,431 |
| Equity capital to assets | 11.4141% | 2,725 |
| Core capital (leverage) ratio | 11.3967% | 2,304 |
| Tier 1 risk-based capital ratio | 15.5833% | 2,608 |
| Total risk-based capital ratio | 16.4129% | 2,701 |
| Memoranda: |
| Average total assets | $107,006,750 | 3,913 |
| Average earning assets | $102,395,500 | 3,867 |
| Average equity | $11,769,750 | 4,066 |
| Average total loans | $60,804,000 | 4,010 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5513% | 4,973 |
| Cost of funding earning assets | 0.6669% | 3,327 |
| Net interest margin | 2.8844% | 4,837 |
| Noninterest income to average assets | 0.3551% | 3,559 |
| Noninterest expense to average assets | 1.8187% | 4,858 |
| Loan and lease loss provision to assets | 0.1133% | 1,659 |
| Net operating income to assets | 1.1356% | 2,387 |
| Return on assets (ROA) | 1.1501% | 2,405 |
| Pretax return on assets | 1.1992% | 2,905 |
| Return on Equity (ROE) | 10.5956% | 2,140 |
| Retained earnings to average equity (ytd only) | 10.5956% | 619 |
| Net charge-offs to loans | 0.2129% | 780 |
| Credit loss provision to net charge-offs | 93.7500% | 2,090 |
| Earnings coverage of net charge-offs (x) | 10.7344% | 2,242 |
| Efficiency ratio | 58.3636% | 3,959 |
| Assets per employee ($millions) | 5.4540% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0409% | 3,389 |
| Loan loss allowance to noncurrent loans | 542.8571% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 4,219 |
| Noncurrent loans to loans | 0.1918% | 3,867 |
| Net loans and leases to total assets | 55.7785% | 4,087 |
| Net loans and leases to deposits | 65.0714% | 4,153 |
| Net loans and leases to core deposits | 66.3937% | 4,296 |
| Total domestic deposits to total assets | 85.7188% | 2,173 |
| Equity capital to assets | 11.8127% | 2,329 |
| Core capital (leverage) ratio | 10.8599% | 2,732 |
| Tier 1 risk-based capital ratio | 16.4071% | 2,276 |
| Total risk-based capital ratio | 17.2923% | 2,336 |
| Memoranda: |
| Average total assets | $105,899,670 | 3,962 |
| Average earning assets | $101,372,000 | 3,911 |
| Average equity | $11,495,330 | 4,112 |
| Average total loans | $60,133,670 | 4,049 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4864% | 5,054 |
| Cost of funding earning assets | 0.6628% | 3,245 |
| Net interest margin | 2.8237% | 4,967 |
| Noninterest income to average assets | 0.2616% | 4,138 |
| Noninterest expense to average assets | 1.7489% | 4,969 |
| Loan and lease loss provision to assets | 0.0561% | 2,547 |
| Net operating income to assets | 1.0999% | 2,468 |
| Return on assets (ROA) | 1.1286% | 2,406 |
| Pretax return on assets | 1.1772% | 2,887 |
| Return on Equity (ROE) | 10.8609% | 1,997 |
| Retained earnings to average equity (ytd only) | 10.8609% | 832 |
| Net charge-offs to loans | 0.4459% | 342 |
| Credit loss provision to net charge-offs | 22.0588% | 2,123 |
| Earnings coverage of net charge-offs (x) | 4.7353% | 2,308 |
| Efficiency ratio | 59.2405% | 3,920 |
| Assets per employee ($millions) | 5.9848% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9105% | 4,108 |
| Loan loss allowance to noncurrent loans | 577.3196% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 4,364 |
| Noncurrent loans to loans | 0.1577% | 4,035 |
| Net loans and leases to total assets | 56.5732% | 4,018 |
| Net loans and leases to deposits | 64.7886% | 4,136 |
| Net loans and leases to core deposits | 69.1940% | 4,124 |
| Total domestic deposits to total assets | 87.3197% | 1,656 |
| Equity capital to assets | 10.8033% | 3,048 |
| Core capital (leverage) ratio | 10.5641% | 2,981 |
| Tier 1 risk-based capital ratio | 15.1135% | 2,831 |
| Total risk-based capital ratio | 15.8867% | 2,963 |
| Memoranda: |
| Average total assets | $107,036,500 | 3,981 |
| Average earning assets | $101,995,500 | 3,941 |
| Average equity | $11,122,500 | 4,174 |
| Average total loans | $60,996,000 | 4,072 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3380% | 5,054 |
| Cost of funding earning assets | 0.5084% | 3,299 |
| Net interest margin | 2.8296% | 4,996 |
| Noninterest income to average assets | 0.3104% | 4,036 |
| Noninterest expense to average assets | 1.8101% | 4,996 |
| Loan and lease loss provision to assets | 0.0180% | 3,797 |
| Net operating income to assets | 1.1751% | 2,287 |
| Return on assets (ROA) | 1.1733% | 2,287 |
| Pretax return on assets | 1.2187% | 2,818 |
| Return on Equity (ROE) | 11.3958% | 1,936 |
| Retained earnings to average equity (ytd only) | 1.2866% | 4,620 |
| Net charge-offs to loans | 0.0069% | 3,441 |
| Credit loss provision to net charge-offs | 475.0000% | 720 |
| Earnings coverage of net charge-offs (x) | 327.2500% | 310 |
| Efficiency ratio | 59.3731% | 3,960 |
| Assets per employee ($millions) | 5.9082% | 1,588 |
| Cash dividends to net income (ytd only)* | 88.7097% | 474 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0118% | 3,603 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 56.3025% | 4,112 |
| Net loans and leases to deposits | 64.3206% | 4,238 |
| Net loans and leases to core deposits | 69.3563% | 4,142 |
| Total domestic deposits to total assets | 87.5342% | 1,518 |
| Equity capital to assets | 9.9740% | 3,704 |
| Core capital (leverage) ratio | 10.3723% | 3,170 |
| Tier 1 risk-based capital ratio | 14.8226% | 2,919 |
| Total risk-based capital ratio | 15.6723% | 3,018 |
| Memoranda: |
| Average total assets | $105,686,200 | 4,008 |
| Average earning assets | $102,275,800 | 3,946 |
| Average equity | $10,881,200 | 4,177 |
| Average total loans | $58,254,200 | 4,139 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3030% | 5,123 |
| Cost of funding earning assets | 0.4501% | 3,519 |
| Net interest margin | 2.8529% | 5,033 |
| Noninterest income to average assets | 0.3032% | 4,120 |
| Noninterest expense to average assets | 1.7500% | 5,087 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2786% | 1,938 |
| Return on assets (ROA) | 1.2762% | 1,951 |
| Pretax return on assets | 1.3217% | 2,534 |
| Return on Equity (ROE) | 12.2983% | 1,681 |
| Retained earnings to average equity (ytd only) | 12.2983% | 442 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9256% | 4,260 |
| Assets per employee ($millions) | 5.7621% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0007% | 3,753 |
| Loan loss allowance to noncurrent loans | 5,427.2727% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 4,961 |
| Noncurrent loans to loans | 0.0184% | 4,831 |
| Net loans and leases to total assets | 56.9463% | 4,135 |
| Net loans and leases to deposits | 66.7846% | 4,145 |
| Net loans and leases to core deposits | 69.7584% | 4,205 |
| Total domestic deposits to total assets | 85.2686% | 2,502 |
| Equity capital to assets | 10.9153% | 2,739 |
| Core capital (leverage) ratio | 11.3013% | 2,334 |
| Tier 1 risk-based capital ratio | 16.0147% | 2,447 |
| Total risk-based capital ratio | 16.8448% | 2,544 |
| Memoranda: |
| Average total assets | $105,521,000 | 4,043 |
| Average earning assets | $102,491,250 | 3,979 |
| Average equity | $10,949,750 | 4,200 |
| Average total loans | $57,695,750 | 4,193 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2404% | 5,191 |
| Cost of funding earning assets | 0.4104% | 3,647 |
| Net interest margin | 2.8301% | 5,090 |
| Noninterest income to average assets | 0.2789% | 4,321 |
| Noninterest expense to average assets | 1.7923% | 5,105 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1967% | 2,213 |
| Return on assets (ROA) | 1.1967% | 2,211 |
| Pretax return on assets | 1.2420% | 2,758 |
| Return on Equity (ROE) | 11.7310% | 1,829 |
| Retained earnings to average equity (ytd only) | 11.7310% | 559 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0683% | 4,074 |
| Assets per employee ($millions) | 5.7671% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0455% | 3,556 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 54.4327% | 4,300 |
| Net loans and leases to deposits | 63.2167% | 4,338 |
| Net loans and leases to core deposits | 64.4909% | 4,460 |
| Total domestic deposits to total assets | 86.1050% | 2,230 |
| Equity capital to assets | 10.6794% | 2,951 |
| Core capital (leverage) ratio | 10.8258% | 2,676 |
| Tier 1 risk-based capital ratio | 16.1183% | 2,398 |
| Total risk-based capital ratio | 16.9811% | 2,484 |
| Memoranda: |
| Average total assets | $106,122,330 | 4,074 |
| Average earning assets | $103,319,670 | 3,999 |
| Average equity | $10,826,000 | 4,259 |
| Average total loans | $57,041,000 | 4,243 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1774% | 5,254 |
| Cost of funding earning assets | 0.4029% | 3,554 |
| Net interest margin | 2.7745% | 5,185 |
| Noninterest income to average assets | 0.2461% | 4,527 |
| Noninterest expense to average assets | 1.8531% | 5,098 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0440% | 2,672 |
| Return on assets (ROA) | 1.0440% | 2,690 |
| Pretax return on assets | 1.0887% | 3,212 |
| Return on Equity (ROE) | 10.4712% | 2,190 |
| Retained earnings to average equity (ytd only) | 10.4712% | 1,025 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9911% | 3,636 |
| Assets per employee ($millions) | 5.6197% | 1,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0807% | 3,500 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 51.1782% | 4,487 |
| Net loans and leases to deposits | 58.7713% | 4,552 |
| Net loans and leases to core deposits | 59.9059% | 4,660 |
| Total domestic deposits to total assets | 87.0802% | 2,092 |
| Equity capital to assets | 10.0174% | 3,573 |
| Core capital (leverage) ratio | 10.3470% | 3,125 |
| Tier 1 risk-based capital ratio | 15.5752% | 2,638 |
| Total risk-based capital ratio | 16.4356% | 2,726 |
| Memoranda: |
| Average total assets | $107,280,000 | 4,101 |
| Average earning assets | $104,236,500 | 4,025 |
| Average equity | $10,696,000 | 4,320 |
| Average total loans | $57,010,500 | 4,281 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9829% | 5,370 |
| Cost of funding earning assets | 0.4013% | 3,244 |
| Net interest margin | 2.5816% | 5,362 |
| Noninterest income to average assets | 0.2595% | 4,580 |
| Noninterest expense to average assets | 1.7243% | 5,307 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9958% | 2,262 |
| Return on assets (ROA) | 1.0468% | 2,095 |
| Pretax return on assets | 1.0893% | 3,231 |
| Return on Equity (ROE) | 10.6556% | 1,611 |
| Retained earnings to average equity (ytd only) | 1.6407% | 4,325 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4639% | 3,865 |
| Assets per employee ($millions) | 6.3404% | 1,295 |
| Cash dividends to net income (ytd only)* | 84.6024% | 677 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0157% | 3,844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 53.9792% | 4,368 |
| Net loans and leases to deposits | 63.5834% | 4,343 |
| Net loans and leases to core deposits | 64.8282% | 4,481 |
| Total domestic deposits to total assets | 84.8951% | 2,881 |
| Equity capital to assets | 9.9234% | 3,787 |
| Core capital (leverage) ratio | 10.0235% | 3,426 |
| Tier 1 risk-based capital ratio | 14.5242% | 3,078 |
| Total risk-based capital ratio | 15.3474% | 3,209 |
| Memoranda: |
| Average total assets | $112,912,400 | 4,010 |
| Average earning assets | $109,388,800 | 3,930 |
| Average equity | $11,092,800 | 4,285 |
| Average total loans | $53,228,600 | 4,383 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9400% | 5,453 |
| Cost of funding earning assets | 0.3836% | 3,348 |
| Net interest margin | 2.5564% | 5,432 |
| Noninterest income to average assets | 0.2452% | 4,733 |
| Noninterest expense to average assets | 1.6883% | 5,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9917% | 2,587 |
| Return on assets (ROA) | 1.0590% | 2,327 |
| Pretax return on assets | 1.1010% | 3,296 |
| Return on Equity (ROE) | 10.8050% | 1,774 |
| Retained earnings to average equity (ytd only) | 10.8050% | 442 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0867% | 3,871 |
| Assets per employee ($millions) | 6.7263% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0779% | 3,614 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 50.9083% | 4,652 |
| Net loans and leases to deposits | 60.6243% | 4,607 |
| Net loans and leases to core deposits | 61.8347% | 4,720 |
| Total domestic deposits to total assets | 83.9734% | 3,133 |
| Equity capital to assets | 11.1029% | 2,762 |
| Core capital (leverage) ratio | 10.3817% | 3,101 |
| Tier 1 risk-based capital ratio | 16.2593% | 2,397 |
| Total risk-based capital ratio | 17.1229% | 2,490 |
| Memoranda: |
| Average total assets | $114,194,000 | 4,030 |
| Average earning assets | $110,517,500 | 3,942 |
| Average equity | $11,192,000 | 4,315 |
| Average total loans | $51,841,000 | 4,447 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8844% | 5,516 |
| Cost of funding earning assets | 0.3770% | 3,312 |
| Net interest margin | 2.5074% | 5,503 |
| Noninterest income to average assets | 0.2371% | 4,822 |
| Noninterest expense to average assets | 1.6308% | 5,469 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9903% | 2,468 |
| Return on assets (ROA) | 1.0431% | 2,276 |
| Pretax return on assets | 1.0843% | 3,242 |
| Return on Equity (ROE) | 11.0972% | 1,605 |
| Retained earnings to average equity (ytd only) | 11.0972% | 424 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3049% | 4,120 |
| Assets per employee ($millions) | 6.6673% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1693% | 3,198 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 44.5176% | 5,013 |
| Net loans and leases to deposits | 51.0734% | 5,100 |
| Net loans and leases to core deposits | 52.0030% | 5,145 |
| Total domestic deposits to total assets | 87.1639% | 1,871 |
| Equity capital to assets | 10.2970% | 3,570 |
| Core capital (leverage) ratio | 9.6772% | 3,926 |
| Tier 1 risk-based capital ratio | 16.5003% | 2,325 |
| Total risk-based capital ratio | 17.4001% | 2,388 |
| Memoranda: |
| Average total assets | $116,385,000 | 4,021 |
| Average earning assets | $112,466,000 | 3,934 |
| Average equity | $10,939,670 | 4,370 |
| Average total loans | $50,659,670 | 4,512 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8188% | 5,588 |
| Cost of funding earning assets | 0.3524% | 3,503 |
| Net interest margin | 2.4665% | 5,573 |
| Noninterest income to average assets | 0.2409% | 4,808 |
| Noninterest expense to average assets | 1.5877% | 5,565 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9901% | 2,349 |
| Return on assets (ROA) | 1.0585% | 2,079 |
| Pretax return on assets | 1.0992% | 2,991 |
| Return on Equity (ROE) | 11.8025% | 1,302 |
| Retained earnings to average equity (ytd only) | 11.8025% | 494 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7004% | 4,363 |
| Assets per employee ($millions) | 6.5021% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2007% | 3,134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 41.9735% | 5,163 |
| Net loans and leases to deposits | 47.7461% | 5,233 |
| Net loans and leases to core deposits | 48.5785% | 5,278 |
| Total domestic deposits to total assets | 87.9099% | 1,766 |
| Equity capital to assets | 9.2765% | 4,539 |
| Core capital (leverage) ratio | 9.2936% | 4,351 |
| Tier 1 risk-based capital ratio | 15.9507% | 2,570 |
| Total risk-based capital ratio | 16.8440% | 2,652 |
| Memoranda: |
| Average total assets | $117,905,500 | 4,032 |
| Average earning assets | $113,522,000 | 3,952 |
| Average equity | $10,574,000 | 4,452 |
| Average total loans | $50,462,000 | 4,547 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8163% | 5,635 |
| Cost of funding earning assets | 0.3253% | 3,796 |
| Net interest margin | 2.4910% | 5,593 |
| Noninterest income to average assets | 0.2340% | 5,010 |
| Noninterest expense to average assets | 1.5511% | 5,688 |
| Loan and lease loss provision to assets | 0.1145% | 2,153 |
| Net operating income to assets | 0.9428% | 2,619 |
| Return on assets (ROA) | 0.9907% | 2,494 |
| Pretax return on assets | 1.0300% | 3,368 |
| Return on Equity (ROE) | 10.7208% | 1,685 |
| Retained earnings to average equity (ytd only) | 1.8680% | 4,470 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6271% | 4,770 |
| Assets per employee ($millions) | 6.9866% | 933 |
| Cash dividends to net income (ytd only)* | 82.5764% | 814 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1660% | 3,332 |
| 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 | 42.6065% | 5,202 |
| Net loans and leases to deposits | 48.0073% | 5,301 |
| Net loans and leases to core deposits | 48.8225% | 5,339 |
| Total domestic deposits to total assets | 88.7500% | 1,235 |
| Equity capital to assets | 8.6644% | 5,138 |
| Core capital (leverage) ratio | 8.9377% | 4,813 |
| Tier 1 risk-based capital ratio | 15.2564% | 2,858 |
| Total risk-based capital ratio | 16.1360% | 2,955 |
| Memoranda: |
| Average total assets | $122,233,800 | 3,953 |
| Average earning assets | $118,348,000 | 3,860 |
| Average equity | $11,295,800 | 4,377 |
| Average total loans | $50,058,000 | 4,573 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8573% | 5,689 |
| Cost of funding earning assets | 0.3270% | 3,806 |
| Net interest margin | 2.5303% | 5,638 |
| Noninterest income to average assets | 0.2285% | 5,103 |
| Noninterest expense to average assets | 1.5543% | 5,723 |
| Loan and lease loss provision to assets | 0.1516% | 1,541 |
| Net operating income to assets | 0.9417% | 2,693 |
| Return on assets (ROA) | 1.0051% | 2,546 |
| Pretax return on assets | 1.0441% | 3,454 |
| Return on Equity (ROE) | 10.7153% | 1,783 |
| Retained earnings to average equity (ytd only) | 8.4060% | 1,017 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9096% | 4,825 |
| Assets per employee ($millions) | 6.7921% | 967 |
| Cash dividends to net income (ytd only)* | 21.5518% | 3,161 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1990% | 3,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 40.2374% | 5,365 |
| Net loans and leases to deposits | 46.6775% | 5,429 |
| Net loans and leases to core deposits | 47.4694% | 5,466 |
| Total domestic deposits to total assets | 86.2028% | 2,258 |
| Equity capital to assets | 9.5962% | 4,562 |
| Core capital (leverage) ratio | 9.2609% | 4,518 |
| Tier 1 risk-based capital ratio | 15.7020% | 2,751 |
| Total risk-based capital ratio | 16.5653% | 2,839 |
| Memoranda: |
| Average total assets | $123,099,000 | 3,963 |
| Average earning assets | $119,456,500 | 3,859 |
| Average equity | $11,547,000 | 4,368 |
| Average total loans | $49,772,000 | 4,622 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8668% | 5,761 |
| Cost of funding earning assets | 0.3316% | 3,779 |
| Net interest margin | 2.5352% | 5,719 |
| Noninterest income to average assets | 0.2188% | 5,182 |
| Noninterest expense to average assets | 1.5562% | 5,798 |
| Loan and lease loss provision to assets | 0.0973% | 2,208 |
| Net operating income to assets | 0.9807% | 2,464 |
| Return on assets (ROA) | 0.9807% | 2,611 |
| Pretax return on assets | 1.0196% | 3,514 |
| Return on Equity (ROE) | 10.5352% | 1,836 |
| Retained earnings to average equity (ytd only) | 10.5352% | 500 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2171% | 4,873 |
| Assets per employee ($millions) | 6.4018% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0132% | 4,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 41.5267% | 5,355 |
| Net loans and leases to deposits | 47.2498% | 5,448 |
| Net loans and leases to core deposits | 48.1534% | 5,496 |
| Total domestic deposits to total assets | 87.8875% | 1,487 |
| Equity capital to assets | 9.7694% | 4,489 |
| Core capital (leverage) ratio | 8.8183% | 5,036 |
| Tier 1 risk-based capital ratio | 15.9891% | 2,651 |
| Total risk-based capital ratio | 16.7618% | 2,794 |
| Memoranda: |
| Average total assets | $123,379,670 | 3,988 |
| Average earning assets | $119,436,000 | 3,890 |
| Average equity | $11,485,330 | 4,399 |
| Average total loans | $49,766,000 | 4,656 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7471% | 5,882 |
| Cost of funding earning assets | 0.3289% | 3,855 |
| Net interest margin | 2.4182% | 5,871 |
| Noninterest income to average assets | 0.2157% | 5,195 |
| Noninterest expense to average assets | 1.5839% | 5,843 |
| Loan and lease loss provision to assets | 0.0966% | 2,083 |
| Net operating income to assets | 0.8402% | 3,031 |
| Return on assets (ROA) | 0.8402% | 3,163 |
| Pretax return on assets | 0.8789% | 3,937 |
| Return on Equity (ROE) | 9.2500% | 2,306 |
| Retained earnings to average equity (ytd only) | 9.2500% | 1,038 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8868% | 4,464 |
| Assets per employee ($millions) | 6.5633% | 1,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9336% | 4,939 |
| Loan loss allowance to noncurrent loans | 936.5385% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 5,458 |
| Noncurrent loans to loans | 0.0997% | 5,072 |
| Net loans and leases to total assets | 41.4380% | 5,377 |
| Net loans and leases to deposits | 46.6831% | 5,477 |
| Net loans and leases to core deposits | 47.6631% | 5,525 |
| Total domestic deposits to total assets | 88.7644% | 1,223 |
| Equity capital to assets | 9.2244% | 4,967 |
| Core capital (leverage) ratio | 8.5943% | 5,299 |
| Tier 1 risk-based capital ratio | 14.6606% | 3,304 |
| Total risk-based capital ratio | 15.3507% | 3,552 |
| Memoranda: |
| Average total assets | $124,252,000 | 4,003 |
| Average earning assets | $120,419,500 | 3,896 |
| Average equity | $11,286,500 | 4,450 |
| Average total loans | $49,135,000 | 4,700 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7242% | 5,923 |
| Cost of funding earning assets | 0.3460% | 3,736 |
| Net interest margin | 2.3781% | 5,904 |
| Noninterest income to average assets | 0.2281% | 5,229 |
| Noninterest expense to average assets | 1.6334% | 5,892 |
| Loan and lease loss provision to assets | 0.0405% | 3,528 |
| Net operating income to assets | 0.8276% | 3,208 |
| Return on assets (ROA) | 1.0008% | 2,455 |
| Pretax return on assets | 1.0420% | 3,300 |
| Return on Equity (ROE) | 11.0686% | 1,590 |
| Retained earnings to average equity (ytd only) | 3.0154% | 3,908 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4346% | 5,202 |
| Assets per employee ($millions) | 6.5159% | 1,093 |
| Cash dividends to net income (ytd only)* | 72.7567% | 1,134 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9911% | 4,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 36.8750% | 5,674 |
| Net loans and leases to deposits | 41.1906% | 5,736 |
| Net loans and leases to core deposits | 41.9565% | 5,766 |
| Total domestic deposits to total assets | 89.5228% | 840 |
| Equity capital to assets | 8.9417% | 5,180 |
| Core capital (leverage) ratio | 8.5483% | 5,379 |
| Tier 1 risk-based capital ratio | 14.5523% | 3,415 |
| Total risk-based capital ratio | 15.2126% | 3,663 |
| Memoranda: |
| Average total assets | $123,603,800 | 4,014 |
| Average earning assets | $119,925,200 | 3,883 |
| Average equity | $11,175,800 | 4,442 |
| Average total loans | $40,105,000 | 5,012 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7189% | 6,009 |
| Cost of funding earning assets | 0.3481% | 3,776 |
| Net interest margin | 2.3709% | 5,990 |
| Noninterest income to average assets | 0.2331% | 5,264 |
| Noninterest expense to average assets | 1.6219% | 5,971 |
| Loan and lease loss provision to assets | 0.0540% | 3,116 |
| Net operating income to assets | 0.8273% | 3,295 |
| Return on assets (ROA) | 1.0511% | 2,308 |
| Pretax return on assets | 1.0910% | 3,265 |
| Return on Equity (ROE) | 11.5926% | 1,498 |
| Retained earnings to average equity (ytd only) | 11.5926% | 405 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0273% | 5,226 |
| Assets per employee ($millions) | 7.6911% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1011% | 4,221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 33.3558% | 5,885 |
| Net loans and leases to deposits | 37.3521% | 5,943 |
| Net loans and leases to core deposits | 38.2377% | 5,968 |
| Total domestic deposits to total assets | 89.3010% | 871 |
| Equity capital to assets | 9.4549% | 4,804 |
| Core capital (leverage) ratio | 9.0034% | 4,993 |
| Tier 1 risk-based capital ratio | 17.3321% | 2,244 |
| Total risk-based capital ratio | 18.0705% | 2,393 |
| Memoranda: |
| Average total assets | $123,554,250 | 4,056 |
| Average earning assets | $119,897,000 | 3,922 |
| Average equity | $11,202,250 | 4,493 |
| Average total loans | $38,604,000 | 5,118 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6983% | 6,080 |
| Cost of funding earning assets | 0.3477% | 3,832 |
| Net interest margin | 2.3506% | 6,070 |
| Noninterest income to average assets | 0.2166% | 5,402 |
| Noninterest expense to average assets | 1.6214% | 6,041 |
| Loan and lease loss provision to assets | 0.0808% | 2,495 |
| Net operating income to assets | 0.7717% | 3,530 |
| Return on assets (ROA) | 1.0960% | 2,066 |
| Pretax return on assets | 1.1364% | 3,021 |
| Return on Equity (ROE) | 12.2626% | 1,294 |
| Retained earnings to average equity (ytd only) | 12.2626% | 372 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7246% | 5,253 |
| Assets per employee ($millions) | 7.9188% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1134% | 4,256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 32.0347% | 5,978 |
| Net loans and leases to deposits | 37.6519% | 5,992 |
| Net loans and leases to core deposits | 38.5609% | 6,001 |
| Total domestic deposits to total assets | 85.0813% | 3,088 |
| Equity capital to assets | 8.8145% | 5,420 |
| Core capital (leverage) ratio | 8.6161% | 5,420 |
| Tier 1 risk-based capital ratio | 16.6723% | 2,531 |
| Total risk-based capital ratio | 17.4036% | 2,729 |
| Memoranda: |
| Average total assets | $123,719,670 | 4,080 |
| Average earning assets | $120,224,330 | 3,938 |
| Average equity | $11,058,000 | 4,552 |
| Average total loans | $37,637,330 | 5,198 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6148% | 6,173 |
| Cost of funding earning assets | 0.3500% | 3,861 |
| Net interest margin | 2.2648% | 6,176 |
| Noninterest income to average assets | 0.2356% | 5,276 |
| Noninterest expense to average assets | 1.6232% | 6,092 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7837% | 3,349 |
| Return on assets (ROA) | 1.0570% | 2,139 |
| Pretax return on assets | 1.0996% | 3,081 |
| Return on Equity (ROE) | 11.7423% | 1,415 |
| Retained earnings to average equity (ytd only) | 11.7423% | 605 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1946% | 5,195 |
| Assets per employee ($millions) | 7.3069% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1113% | 4,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 29.1568% | 6,105 |
| Net loans and leases to deposits | 32.3678% | 6,151 |
| Net loans and leases to core deposits | 33.1251% | 6,159 |
| Total domestic deposits to total assets | 90.0795% | 706 |
| Equity capital to assets | 9.0486% | 5,237 |
| Core capital (leverage) ratio | 8.2936% | 5,734 |
| Tier 1 risk-based capital ratio | 16.2523% | 2,801 |
| Total risk-based capital ratio | 16.9167% | 3,016 |
| Memoranda: |
| Average total assets | $122,229,500 | 4,141 |
| Average earning assets | $118,861,500 | 3,998 |
| Average equity | $11,003,000 | 4,599 |
| Average total loans | $35,933,500 | 5,301 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7759% | 6,220 |
| Cost of funding earning assets | 0.3743% | 3,988 |
| Net interest margin | 2.4016% | 6,226 |
| Noninterest income to average assets | 0.2110% | 5,595 |
| Noninterest expense to average assets | 1.7002% | 6,153 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8144% | 3,301 |
| Return on assets (ROA) | 0.9911% | 2,501 |
| Pretax return on assets | 1.0291% | 3,389 |
| Return on Equity (ROE) | 11.4525% | 1,574 |
| Retained earnings to average equity (ytd only) | 2.6729% | 4,341 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5638% | 5,135 |
| Assets per employee ($millions) | 6.3285% | 1,164 |
| Cash dividends to net income (ytd only)* | 76.6610% | 1,012 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1549% | 4,253 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 28.9710% | 6,207 |
| Net loans and leases to deposits | 32.1715% | 6,257 |
| Net loans and leases to core deposits | 32.9250% | 6,261 |
| Total domestic deposits to total assets | 90.0516% | 706 |
| Equity capital to assets | 8.9537% | 5,340 |
| Core capital (leverage) ratio | 8.2781% | 5,792 |
| Tier 1 risk-based capital ratio | 17.6368% | 2,269 |
| Total risk-based capital ratio | 18.3927% | 2,415 |
| Memoranda: |
| Average total assets | $118,458,600 | 4,216 |
| Average earning assets | $115,133,200 | 4,069 |
| Average equity | $10,251,000 | 4,698 |
| Average total loans | $32,473,400 | 5,465 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7504% | 6,309 |
| Cost of funding earning assets | 0.3773% | 4,051 |
| Net interest margin | 2.3731% | 6,313 |
| Noninterest income to average assets | 0.2113% | 5,664 |
| Noninterest expense to average assets | 1.7241% | 6,187 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7662% | 3,586 |
| Return on assets (ROA) | 0.9332% | 2,855 |
| Pretax return on assets | 0.9705% | 3,714 |
| Return on Equity (ROE) | 10.8801% | 1,837 |
| Retained earnings to average equity (ytd only) | -0.9747% | 5,960 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0798% | 4,874 |
| Assets per employee ($millions) | 6.5263% | 1,014 |
| Cash dividends to net income (ytd only)* | 108.9584% | 277 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1817% | 4,330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 28.9735% | 6,288 |
| Net loans and leases to deposits | 32.1022% | 6,341 |
| Net loans and leases to core deposits | 32.8768% | 6,341 |
| Total domestic deposits to total assets | 90.2539% | 628 |
| Equity capital to assets | 8.8173% | 5,533 |
| Core capital (leverage) ratio | 7.8487% | 6,159 |
| Tier 1 risk-based capital ratio | 16.8359% | 2,674 |
| Total risk-based capital ratio | 17.5875% | 2,834 |
| Memoranda: |
| Average total assets | $118,013,000 | 4,260 |
| Average earning assets | $114,840,750 | 4,112 |
| Average equity | $10,122,250 | 4,759 |
| Average total loans | $31,781,250 | 5,548 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7649% | 6,363 |
| Cost of funding earning assets | 0.3774% | 4,136 |
| Net interest margin | 2.3876% | 6,366 |
| Noninterest income to average assets | 0.2098% | 5,698 |
| Noninterest expense to average assets | 1.7514% | 6,205 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7523% | 3,555 |
| Return on assets (ROA) | 0.8985% | 2,914 |
| Pretax return on assets | 0.9341% | 3,747 |
| Return on Equity (ROE) | 10.5738% | 1,908 |
| Retained earnings to average equity (ytd only) | 10.5738% | 599 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8591% | 4,883 |
| Assets per employee ($millions) | 7.1128% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2837% | 3,940 |
| 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 | 25.8828% | 6,419 |
| Net loans and leases to deposits | 29.2026% | 6,442 |
| Net loans and leases to core deposits | 29.8984% | 6,452 |
| Total domestic deposits to total assets | 88.6320% | 1,571 |
| Equity capital to assets | 8.9077% | 5,397 |
| Core capital (leverage) ratio | 8.3801% | 5,760 |
| Tier 1 risk-based capital ratio | 18.0663% | 2,222 |
| Total risk-based capital ratio | 18.8279% | 2,363 |
| Memoranda: |
| Average total assets | $118,193,000 | 4,283 |
| Average earning assets | $115,012,000 | 4,123 |
| Average equity | $10,043,670 | 4,796 |
| Average total loans | $30,894,000 | 5,634 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7125% | 6,453 |
| Cost of funding earning assets | 0.3819% | 4,176 |
| Net interest margin | 2.3305% | 6,458 |
| Noninterest income to average assets | 0.1986% | 5,770 |
| Noninterest expense to average assets | 1.6674% | 6,376 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7481% | 3,429 |
| Return on assets (ROA) | 0.7806% | 3,330 |
| Pretax return on assets | 0.8217% | 4,021 |
| Return on Equity (ROE) | 9.4215% | 2,281 |
| Retained earnings to average equity (ytd only) | 9.4215% | 1,134 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3668% | 5,221 |
| Assets per employee ($millions) | 7.0957% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3417% | 3,895 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 24.8104% | 6,491 |
| Net loans and leases to deposits | 27.3265% | 6,523 |
| Net loans and leases to core deposits | 27.9015% | 6,531 |
| Total domestic deposits to total assets | 90.7923% | 645 |
| Equity capital to assets | 8.3439% | 5,787 |
| Core capital (leverage) ratio | 8.0778% | 6,061 |
| Tier 1 risk-based capital ratio | 17.8851% | 2,342 |
| Total risk-based capital ratio | 18.6663% | 2,476 |
| Memoranda: |
| Average total assets | $116,830,500 | 4,342 |
| Average earning assets | $113,108,000 | 4,195 |
| Average equity | $9,680,000 | 4,895 |
| Average total loans | $30,489,000 | 5,698 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8613% | 6,461 |
| Cost of funding earning assets | 0.4258% | 4,370 |
| Net interest margin | 2.4355% | 6,420 |
| Noninterest income to average assets | 0.2283% | 5,708 |
| Noninterest expense to average assets | 1.6472% | 6,486 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8981% | 2,796 |
| Return on assets (ROA) | 0.8981% | 2,882 |
| Pretax return on assets | 0.9351% | 3,619 |
| Return on Equity (ROE) | 10.0799% | 2,080 |
| Retained earnings to average equity (ytd only) | 2.1663% | 4,706 |
| Net charge-offs to loans | 0.0533% | 4,475 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 66.3125% | 636 |
| Efficiency ratio | 57.3720% | 5,806 |
| Assets per employee ($millions) | 6.6491% | 926 |
| Cash dividends to net income (ytd only)* | 78.5083% | 978 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3282% | 3,991 |
| 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 | 26.7495% | 6,555 |
| Net loans and leases to deposits | 30.1799% | 6,579 |
| Net loans and leases to core deposits | 30.9310% | 6,588 |
| Total domestic deposits to total assets | 88.6335% | 1,835 |
| Equity capital to assets | 8.2232% | 5,853 |
| Core capital (leverage) ratio | 8.3563% | 5,819 |
| Tier 1 risk-based capital ratio | 17.7318% | 2,326 |
| Total risk-based capital ratio | 18.5291% | 2,471 |
| Memoranda: |
| Average total assets | $113,465,600 | 4,424 |
| Average earning assets | $109,670,200 | 4,271 |
| Average equity | $10,109,200 | 4,820 |
| Average total loans | $30,018,800 | 5,764 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8661% | 6,518 |
| Cost of funding earning assets | 0.4323% | 4,486 |
| Net interest margin | 2.4337% | 6,485 |
| Noninterest income to average assets | 0.2254% | 5,815 |
| Noninterest expense to average assets | 1.6717% | 6,495 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8640% | 3,025 |
| Return on assets (ROA) | 0.8640% | 3,133 |
| Pretax return on assets | 0.9063% | 3,852 |
| Return on Equity (ROE) | 9.5155% | 2,391 |
| Retained earnings to average equity (ytd only) | 9.5155% | 905 |
| Net charge-offs to loans | 0.0670% | 3,961 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 51.4655% | 849 |
| Efficiency ratio | 58.4244% | 5,637 |
| Assets per employee ($millions) | 6.5461% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3852% | 3,962 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 26.1019% | 6,644 |
| Net loans and leases to deposits | 28.8916% | 6,686 |
| Net loans and leases to core deposits | 29.5385% | 6,689 |
| Total domestic deposits to total assets | 90.3444% | 819 |
| Equity capital to assets | 8.6932% | 5,531 |
| Core capital (leverage) ratio | 8.6669% | 5,582 |
| Tier 1 risk-based capital ratio | 19.5995% | 1,838 |
| Total risk-based capital ratio | 20.4407% | 1,894 |
| Memoranda: |
| Average total assets | $113,573,500 | 4,461 |
| Average earning assets | $109,788,250 | 4,313 |
| Average equity | $10,312,750 | 4,828 |
| Average total loans | $29,862,750 | 5,822 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8746% | 6,551 |
| Cost of funding earning assets | 0.4363% | 4,592 |
| Net interest margin | 2.4383% | 6,514 |
| Noninterest income to average assets | 0.1994% | 6,010 |
| Noninterest expense to average assets | 1.6425% | 6,554 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8711% | 2,948 |
| Return on assets (ROA) | 0.8711% | 3,102 |
| Pretax return on assets | 0.9131% | 3,858 |
| Return on Equity (ROE) | 9.4626% | 2,430 |
| Retained earnings to average equity (ytd only) | 9.4626% | 976 |
| Net charge-offs to loans | 0.1067% | 3,297 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 32.6250% | 1,082 |
| Efficiency ratio | 57.8371% | 5,758 |
| Assets per employee ($millions) | 6.6534% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3613% | 4,206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 6,375 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 26.0724% | 6,684 |
| Net loans and leases to deposits | 28.8323% | 6,726 |
| Net loans and leases to core deposits | 29.3538% | 6,730 |
| Total domestic deposits to total assets | 90.4277% | 795 |
| Equity capital to assets | 8.6696% | 5,593 |
| Core capital (leverage) ratio | 8.4259% | 5,747 |
| Tier 1 risk-based capital ratio | 18.6903% | 2,089 |
| Total risk-based capital ratio | 19.5145% | 2,185 |
| Memoranda: |
| Average total assets | $114,337,000 | 4,479 |
| Average earning assets | $110,485,670 | 4,326 |
| Average equity | $10,525,670 | 4,827 |
| Average total loans | $29,998,670 | 5,844 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7913% | 6,683 |
| Cost of funding earning assets | 0.4483% | 4,610 |
| Net interest margin | 2.3430% | 6,650 |
| Noninterest income to average assets | 0.1949% | 6,082 |
| Noninterest expense to average assets | 1.6737% | 6,596 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7342% | 3,512 |
| Return on assets (ROA) | 0.7342% | 3,652 |
| Pretax return on assets | 0.7760% | 4,271 |
| Return on Equity (ROE) | 7.7534% | 3,096 |
| Retained earnings to average equity (ytd only) | 7.7534% | 1,841 |
| Net charge-offs to loans | 0.2130% | 2,144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 13.9375% | 1,490 |
| Efficiency ratio | 61.6477% | 5,354 |
| Assets per employee ($millions) | 6.4291% | 1,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4127% | 4,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 6,473 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 24.5437% | 6,757 |
| Net loans and leases to deposits | 27.3672% | 6,794 |
| Net loans and leases to core deposits | 27.8537% | 6,802 |
| Total domestic deposits to total assets | 89.6832% | 1,241 |
| Equity capital to assets | 9.4345% | 4,947 |
| Core capital (leverage) ratio | 8.1412% | 6,001 |
| Tier 1 risk-based capital ratio | 18.4938% | 2,196 |
| Total risk-based capital ratio | 19.3388% | 2,293 |
| Memoranda: |
| Average total assets | $114,951,500 | 4,505 |
| Average earning assets | $110,629,000 | 4,358 |
| Average equity | $10,885,500 | 4,792 |
| Average total loans | $30,049,500 | 5,890 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0053% | 6,770 |
| Cost of funding earning assets | 0.5370% | 4,936 |
| Net interest margin | 2.4683% | 6,732 |
| Noninterest income to average assets | 0.2131% | 5,900 |
| Noninterest expense to average assets | 1.6754% | 6,745 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8896% | 2,869 |
| Return on assets (ROA) | 1.1181% | 2,044 |
| Pretax return on assets | 1.1609% | 2,948 |
| Return on Equity (ROE) | 11.5587% | 1,635 |
| Retained earnings to average equity (ytd only) | 4.1847% | 3,283 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0302% | 5,825 |
| Assets per employee ($millions) | 6.3433% | 1,072 |
| Cash dividends to net income (ytd only)* | 63.7959% | 1,608 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3519% | 4,393 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 27.0330% | 6,783 |
| Net loans and leases to deposits | 30.1806% | 6,827 |
| Net loans and leases to core deposits | 30.6387% | 6,837 |
| Total domestic deposits to total assets | 89.5708% | 1,207 |
| Equity capital to assets | 9.5053% | 4,865 |
| Core capital (leverage) ratio | 7.9547% | 6,237 |
| Tier 1 risk-based capital ratio | 17.9931% | 2,263 |
| Total risk-based capital ratio | 18.8709% | 2,373 |
| Memoranda: |
| Average total assets | $112,153,600 | 4,544 |
| Average earning assets | $108,374,000 | 4,385 |
| Average equity | $10,849,000 | 4,792 |
| Average total loans | $30,421,200 | 5,931 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0295% | 6,891 |
| Cost of funding earning assets | 0.5537% | 5,052 |
| Net interest margin | 2.4758% | 6,840 |
| Noninterest income to average assets | 0.2126% | 6,020 |
| Noninterest expense to average assets | 1.6707% | 6,812 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9019% | 2,975 |
| Return on assets (ROA) | 1.1667% | 2,038 |
| Pretax return on assets | 1.2097% | 2,957 |
| Return on Equity (ROE) | 12.0080% | 1,637 |
| Retained earnings to average equity (ytd only) | 12.0080% | 528 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6800% | 5,833 |
| Assets per employee ($millions) | 6.3992% | 1,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4029% | 4,360 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 25.8089% | 6,923 |
| Net loans and leases to deposits | 28.9211% | 6,968 |
| Net loans and leases to core deposits | 29.3639% | 6,975 |
| Total domestic deposits to total assets | 89.2391% | 1,289 |
| Equity capital to assets | 9.8476% | 4,714 |
| Core capital (leverage) ratio | 8.3042% | 6,000 |
| Tier 1 risk-based capital ratio | 20.3107% | 1,682 |
| Total risk-based capital ratio | 21.2516% | 1,730 |
| Memoranda: |
| Average total assets | $111,647,250 | 4,602 |
| Average earning assets | $107,869,250 | 4,441 |
| Average equity | $10,848,000 | 4,839 |
| Average total loans | $30,204,250 | 6,012 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0637% | 6,951 |
| Cost of funding earning assets | 0.5756% | 5,110 |
| Net interest margin | 2.4881% | 6,899 |
| Noninterest income to average assets | 0.2136% | 6,038 |
| Noninterest expense to average assets | 1.6602% | 6,875 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9212% | 2,801 |
| Return on assets (ROA) | 1.0428% | 2,511 |
| Pretax return on assets | 1.0827% | 3,365 |
| Return on Equity (ROE) | 10.7835% | 2,063 |
| Retained earnings to average equity (ytd only) | 10.7835% | 784 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9550% | 6,009 |
| Assets per employee ($millions) | 6.6891% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3894% | 4,505 |
| Loan loss allowance to noncurrent loans | 42,300.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 6,876 |
| Noncurrent loans to loans | 0.0033% | 6,719 |
| Net loans and leases to total assets | 26.4013% | 6,968 |
| Net loans and leases to deposits | 29.5367% | 7,017 |
| Net loans and leases to core deposits | 29.9932% | 7,025 |
| Total domestic deposits to total assets | 89.3848% | 1,287 |
| Equity capital to assets | 9.6804% | 4,781 |
| Core capital (leverage) ratio | 8.0526% | 6,219 |
| Tier 1 risk-based capital ratio | 19.3632% | 1,884 |
| Total risk-based capital ratio | 20.3049% | 1,934 |
| Memoranda: |
| Average total assets | $110,468,000 | 4,652 |
| Average earning assets | $106,669,670 | 4,495 |
| Average equity | $10,683,000 | 4,879 |
| Average total loans | $30,222,000 | 6,057 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2680% | 6,912 |
| Cost of funding earning assets | 0.6063% | 5,081 |
| Net interest margin | 2.6616% | 6,818 |
| Noninterest income to average assets | 0.2168% | 6,065 |
| Noninterest expense to average assets | 1.7015% | 6,896 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0479% | 2,295 |
| Return on assets (ROA) | 1.1833% | 1,966 |
| Pretax return on assets | 1.2201% | 2,837 |
| Return on Equity (ROE) | 12.2428% | 1,601 |
| Retained earnings to average equity (ytd only) | 12.2428% | 791 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9538% | 6,234 |
| Assets per employee ($millions) | 6.2849% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4093% | 4,571 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 26.1569% | 7,032 |
| Net loans and leases to deposits | 29.1336% | 7,073 |
| Net loans and leases to core deposits | 29.5833% | 7,079 |
| Total domestic deposits to total assets | 89.7825% | 1,204 |
| Equity capital to assets | 9.3018% | 5,092 |
| Core capital (leverage) ratio | 8.0413% | 6,216 |
| Tier 1 risk-based capital ratio | 17.7809% | 2,372 |
| Total risk-based capital ratio | 18.6756% | 2,476 |
| Memoranda: |
| Average total assets | $108,845,000 | 4,733 |
| Average earning assets | $104,897,500 | 4,576 |
| Average equity | $10,520,500 | 4,915 |
| Average total loans | $30,110,500 | 6,104 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4058% | 7,049 |
| Cost of funding earning assets | 0.7255% | 5,371 |
| Net interest margin | 2.6803% | 6,941 |
| Noninterest income to average assets | 0.2582% | 5,687 |
| Noninterest expense to average assets | 1.8114% | 6,942 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9852% | 2,258 |
| Return on assets (ROA) | 0.9960% | 2,358 |
| Pretax return on assets | 1.0368% | 3,095 |
| Return on Equity (ROE) | 9.9470% | 2,080 |
| Retained earnings to average equity (ytd only) | 3.8320% | 3,486 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0863% | 6,176 |
| Assets per employee ($millions) | 5.8089% | 1,363 |
| Cash dividends to net income (ytd only)* | 61.4754% | 1,495 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4003% | 4,458 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 28.4848% | 7,048 |
| Net loans and leases to deposits | 32.0251% | 7,093 |
| Net loans and leases to core deposits | 32.5643% | 7,103 |
| Total domestic deposits to total assets | 88.9452% | 1,572 |
| Equity capital to assets | 10.0592% | 4,089 |
| Core capital (leverage) ratio | 8.3969% | 5,718 |
| Tier 1 risk-based capital ratio | 17.6288% | 2,329 |
| Total risk-based capital ratio | 18.5549% | 2,440 |
| Memoranda: |
| Average total assets | $97,992,200 | 4,949 |
| Average earning assets | $94,281,600 | 4,803 |
| Average equity | $9,812,000 | 5,065 |
| Average total loans | $29,178,200 | 6,194 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3875% | 7,140 |
| Cost of funding earning assets | 0.7419% | 5,508 |
| Net interest margin | 2.6456% | 7,037 |
| Noninterest income to average assets | 0.2532% | 5,810 |
| Noninterest expense to average assets | 1.8515% | 6,917 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9021% | 2,731 |
| Return on assets (ROA) | 0.8995% | 2,887 |
| Pretax return on assets | 0.9451% | 3,601 |
| Return on Equity (ROE) | 8.9943% | 2,604 |
| Retained earnings to average equity (ytd only) | 8.9943% | 1,149 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1696% | 5,838 |
| Assets per employee ($millions) | 5.4055% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4619% | 4,279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 29.3035% | 7,106 |
| Net loans and leases to deposits | 33.3236% | 7,152 |
| Net loans and leases to core deposits | 33.9380% | 7,164 |
| Total domestic deposits to total assets | 87.9362% | 2,067 |
| Equity capital to assets | 10.9559% | 3,189 |
| Core capital (leverage) ratio | 8.8097% | 5,247 |
| Tier 1 risk-based capital ratio | 18.9739% | 1,947 |
| Total risk-based capital ratio | 19.9442% | 1,987 |
| Memoranda: |
| Average total assets | $96,350,000 | 5,023 |
| Average earning assets | $92,729,500 | 4,874 |
| Average equity | $9,635,500 | 5,145 |
| Average total loans | $28,921,000 | 6,264 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5183% | 7,151 |
| Cost of funding earning assets | 0.7457% | 5,697 |
| Net interest margin | 2.7726% | 6,960 |
| Noninterest income to average assets | 0.2416% | 5,918 |
| Noninterest expense to average assets | 1.8514% | 7,009 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0141% | 2,172 |
| Return on assets (ROA) | 1.0101% | 2,284 |
| Pretax return on assets | 1.0496% | 3,044 |
| Return on Equity (ROE) | 10.4368% | 1,970 |
| Retained earnings to average equity (ytd only) | 10.4368% | 758 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9892% | 6,299 |
| Assets per employee ($millions) | 5.8312% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4477% | 4,356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 29.0484% | 7,212 |
| Net loans and leases to deposits | 32.7689% | 7,258 |
| Net loans and leases to core deposits | 33.2586% | 7,270 |
| Total domestic deposits to total assets | 88.6463% | 1,749 |
| Equity capital to assets | 10.0150% | 4,128 |
| Core capital (leverage) ratio | 8.6086% | 5,384 |
| Tier 1 risk-based capital ratio | 19.5900% | 1,694 |
| Total risk-based capital ratio | 20.6173% | 1,719 |
| Memoranda: |
| Average total assets | $96,033,670 | 5,075 |
| Average earning assets | $92,260,000 | 4,929 |
| Average equity | $9,294,000 | 5,241 |
| Average total loans | $28,916,330 | 6,329 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4810% | 7,220 |
| Cost of funding earning assets | 0.7466% | 5,887 |
| Net interest margin | 2.7344% | 6,984 |
| Noninterest income to average assets | 0.2244% | 6,123 |
| Noninterest expense to average assets | 1.9220% | 6,952 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8759% | 2,678 |
| Return on assets (ROA) | 0.8679% | 2,770 |
| Pretax return on assets | 0.9144% | 3,446 |
| Return on Equity (ROE) | 9.1345% | 2,418 |
| Retained earnings to average equity (ytd only) | 9.1345% | 1,343 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5655% | 5,897 |
| Assets per employee ($millions) | 5.6976% | 1,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4794% | 4,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 29.0832% | 7,258 |
| Net loans and leases to deposits | 32.5959% | 7,302 |
| Net loans and leases to core deposits | 33.0898% | 7,325 |
| Total domestic deposits to total assets | 89.2236% | 1,637 |
| Equity capital to assets | 9.4714% | 4,480 |
| Core capital (leverage) ratio | 8.5744% | 5,303 |
| Tier 1 risk-based capital ratio | 19.4121% | 1,715 |
| Total risk-based capital ratio | 20.4718% | 1,720 |
| Memoranda: |
| Average total assets | $94,485,000 | 5,154 |
| Average earning assets | $90,549,000 | 5,022 |
| Average equity | $8,977,000 | 5,340 |
| Average total loans | $28,765,000 | 6,386 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7344% | 7,288 |
| Cost of funding earning assets | 0.9076% | 6,147 |
| Net interest margin | 2.8267% | 7,000 |
| Noninterest income to average assets | 0.2831% | 5,752 |
| Noninterest expense to average assets | 2.0129% | 7,000 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8910% | 2,423 |
| Return on assets (ROA) | 0.8910% | 2,557 |
| Pretax return on assets | 0.9223% | 3,187 |
| Return on Equity (ROE) | 8.4366% | 2,520 |
| Retained earnings to average equity (ytd only) | 1.8455% | 4,570 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1462% | 5,867 |
| Assets per employee ($millions) | 5.4182% | 1,656 |
| Cash dividends to net income (ytd only)* | 78.1250% | 919 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4618% | 4,223 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 30.9565% | 7,322 |
| Net loans and leases to deposits | 34.7672% | 7,375 |
| Net loans and leases to core deposits | 35.0708% | 7,404 |
| Total domestic deposits to total assets | 89.0392% | 1,638 |
| Equity capital to assets | 9.5321% | 4,365 |
| Core capital (leverage) ratio | 8.6079% | 5,186 |
| Tier 1 risk-based capital ratio | 20.0206% | 1,483 |
| Total risk-based capital ratio | 21.1487% | 1,476 |
| Memoranda: |
| Average total assets | $86,195,000 | 5,403 |
| Average earning assets | $80,870,400 | 5,311 |
| Average equity | $9,103,200 | 5,393 |
| Average total loans | $29,611,600 | 6,415 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8193% | 7,392 |
| Cost of funding earning assets | 0.9384% | 6,233 |
| Net interest margin | 2.8809% | 7,034 |
| Noninterest income to average assets | 0.2754% | 5,905 |
| Noninterest expense to average assets | 2.0334% | 6,991 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8987% | 2,612 |
| Return on assets (ROA) | 0.8987% | 2,763 |
| Pretax return on assets | 0.9286% | 3,453 |
| Return on Equity (ROE) | 8.2895% | 2,794 |
| Retained earnings to average equity (ytd only) | 8.2895% | 1,319 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1583% | 5,765 |
| Assets per employee ($millions) | 5.2246% | 1,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5545% | 3,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 30.1602% | 7,461 |
| Net loans and leases to deposits | 34.4142% | 7,508 |
| Net loans and leases to core deposits | 34.7301% | 7,523 |
| Total domestic deposits to total assets | 87.6389% | 2,191 |
| Equity capital to assets | 10.9481% | 3,009 |
| Core capital (leverage) ratio | 9.3608% | 4,116 |
| Tier 1 risk-based capital ratio | 22.3171% | 1,160 |
| Total risk-based capital ratio | 23.5196% | 1,137 |
| Memoranda: |
| Average total assets | $84,716,250 | 5,513 |
| Average earning assets | $79,000,750 | 5,435 |
| Average equity | $9,184,000 | 5,434 |
| Average total loans | $29,780,250 | 6,490 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9150% | 7,415 |
| Cost of funding earning assets | 0.9567% | 6,355 |
| Net interest margin | 2.9583% | 6,920 |
| Noninterest income to average assets | 0.2735% | 5,965 |
| Noninterest expense to average assets | 2.0708% | 6,979 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9070% | 2,532 |
| Return on assets (ROA) | 0.9070% | 2,643 |
| Pretax return on assets | 0.9334% | 3,372 |
| Return on Equity (ROE) | 8.3963% | 2,715 |
| Retained earnings to average equity (ytd only) | 8.3963% | 1,296 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4217% | 5,786 |
| Assets per employee ($millions) | 5.0712% | 2,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4138% | 4,359 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 34.2141% | 7,414 |
| Net loans and leases to deposits | 38.8417% | 7,470 |
| Net loans and leases to core deposits | 39.2067% | 7,503 |
| Total domestic deposits to total assets | 88.0861% | 1,952 |
| Equity capital to assets | 10.7285% | 3,150 |
| Core capital (leverage) ratio | 9.2981% | 4,124 |
| Tier 1 risk-based capital ratio | 20.0157% | 1,517 |
| Total risk-based capital ratio | 21.1269% | 1,502 |
| Memoranda: |
| Average total assets | $83,348,670 | 5,584 |
| Average earning assets | $76,935,000 | 5,554 |
| Average equity | $9,004,000 | 5,502 |
| Average total loans | $30,636,670 | 6,490 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8239% | 7,576 |
| Cost of funding earning assets | 0.9798% | 6,466 |
| Net interest margin | 2.8441% | 7,111 |
| Noninterest income to average assets | 0.2686% | 6,008 |
| Noninterest expense to average assets | 2.0997% | 6,943 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7715% | 3,096 |
| Return on assets (ROA) | 0.7715% | 3,213 |
| Pretax return on assets | 0.7910% | 3,904 |
| Return on Equity (ROE) | 7.1159% | 3,283 |
| Retained earnings to average equity (ytd only) | 7.1159% | 2,084 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6959% | 5,354 |
| Assets per employee ($millions) | 4.9245% | 2,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3953% | 4,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 35.7060% | 7,435 |
| Net loans and leases to deposits | 40.5365% | 7,501 |
| Net loans and leases to core deposits | 41.1248% | 7,547 |
| Total domestic deposits to total assets | 88.0837% | 2,014 |
| Equity capital to assets | 10.7242% | 3,029 |
| Core capital (leverage) ratio | 9.3872% | 3,926 |
| Tier 1 risk-based capital ratio | 18.1586% | 1,907 |
| Total risk-based capital ratio | 19.2020% | 1,924 |
| Memoranda: |
| Average total assets | $81,918,000 | 5,711 |
| Average earning assets | $75,525,500 | 5,650 |
| Average equity | $8,881,500 | 5,571 |
| Average total loans | $30,995,500 | 6,569 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2357% | 7,589 |
| Cost of funding earning assets | 1.2800% | 6,377 |
| Net interest margin | 2.9557% | 6,740 |
| Noninterest income to average assets | 0.3043% | 5,919 |
| Noninterest expense to average assets | 7.4540% | 177 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -4.4658% | 7,676 |
| Return on assets (ROA) | -4.4646% | 7,675 |
| Pretax return on assets | -4.4646% | 7,634 |
| Return on Equity (ROE) | -31.1148% | 7,423 |
| Retained earnings to average equity (ytd only) | -31.1148% | 7,408 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5808% | 5,663 |
| Assets per employee ($millions) | 4.7129% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3354% | 4,565 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 39.0082% | 7,405 |
| Net loans and leases to deposits | 44.4055% | 7,497 |
| Net loans and leases to core deposits | 47.9767% | 7,630 |
| Total domestic deposits to total assets | 87.8456% | 2,048 |
| Equity capital to assets | 10.9649% | 2,734 |
| Core capital (leverage) ratio | 8.8443% | 4,694 |
| Tier 1 risk-based capital ratio | 17.2861% | 2,082 |
| Total risk-based capital ratio | 18.3068% | 2,096 |
| Memoranda: |
| Average total assets | $81,822,200 | 5,672 |
| Average earning assets | $74,297,200 | 5,665 |
| Average equity | $11,740,400 | 4,806 |
| Average total loans | $31,507,000 | 6,553 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1895% | 7,728 |
| Cost of funding earning assets | 1.3515% | 6,393 |
| Net interest margin | 2.8380% | 6,993 |
| Noninterest income to average assets | 0.2918% | 6,145 |
| Noninterest expense to average assets | 2.1658% | 7,061 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6565% | 3,373 |
| Return on assets (ROA) | 0.6565% | 3,435 |
| Pretax return on assets | 0.6792% | 3,930 |
| Return on Equity (ROE) | 4.3271% | 4,241 |
| Retained earnings to average equity (ytd only) | 4.3271% | 2,851 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0912% | 4,956 |
| Assets per employee ($millions) | 5.0711% | 2,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3997% | 3,950 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 34.5652% | 7,671 |
| Net loans and leases to deposits | 42.7763% | 7,655 |
| Net loans and leases to core deposits | 46.4476% | 7,762 |
| Total domestic deposits to total assets | 80.8046% | 5,153 |
| Equity capital to assets | 15.0659% | 987 |
| Core capital (leverage) ratio | 8.8676% | 4,869 |
| Tier 1 risk-based capital ratio | 16.9581% | 2,286 |
| Total risk-based capital ratio | 18.0046% | 2,297 |
| Memoranda: |
| Average total assets | $82,248,000 | 5,685 |
| Average earning assets | $73,993,000 | 5,720 |
| Average equity | $12,479,250 | 4,662 |
| Average total loans | $31,464,750 | 6,597 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1530% | 7,850 |
| Cost of funding earning assets | 1.4331% | 6,370 |
| Net interest margin | 2.7199% | 7,164 |
| Noninterest income to average assets | 0.3015% | 6,108 |
| Noninterest expense to average assets | 2.1797% | 7,104 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5338% | 3,968 |
| Return on assets (ROA) | 0.5338% | 4,072 |
| Pretax return on assets | 0.5560% | 4,451 |
| Return on Equity (ROE) | 3.5094% | 4,708 |
| Retained earnings to average equity (ytd only) | 3.5094% | 3,355 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1834% | 4,562 |
| Assets per employee ($millions) | 4.1755% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3236% | 4,139 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 37.7619% | 7,644 |
| Net loans and leases to deposits | 45.0996% | 7,669 |
| Net loans and leases to core deposits | 49.0108% | 7,779 |
| Total domestic deposits to total assets | 83.7301% | 3,903 |
| Equity capital to assets | 14.8653% | 1,066 |
| Core capital (leverage) ratio | 9.0319% | 4,577 |
| Tier 1 risk-based capital ratio | 15.4043% | 2,859 |
| Total risk-based capital ratio | 16.3876% | 2,900 |
| Memoranda: |
| Average total assets | $80,928,000 | 5,763 |
| Average earning assets | $72,430,000 | 5,813 |
| Average equity | $12,309,670 | 4,735 |
| Average total loans | $31,879,330 | 6,616 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1035% | 7,944 |
| Cost of funding earning assets | 1.5127% | 6,367 |
| Net interest margin | 2.5908% | 7,383 |
| Noninterest income to average assets | 0.3265% | 5,842 |
| Noninterest expense to average assets | 2.1698% | 6,946 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4420% | 4,680 |
| Return on assets (ROA) | 0.4420% | 4,853 |
| Pretax return on assets | 0.4621% | 5,201 |
| Return on Equity (ROE) | 2.8717% | 5,414 |
| Retained earnings to average equity (ytd only) | 2.8717% | 4,270 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4733% | 3,921 |
| Assets per employee ($millions) | 4.1061% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3523% | 3,788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 37.5738% | 7,674 |
| Net loans and leases to deposits | 44.8560% | 7,697 |
| Net loans and leases to core deposits | 48.5485% | 7,821 |
| Total domestic deposits to total assets | 83.7654% | 3,819 |
| Equity capital to assets | 14.9572% | 1,114 |
| Core capital (leverage) ratio | 8.8812% | 4,879 |
| Tier 1 risk-based capital ratio | 15.5543% | 2,828 |
| Total risk-based capital ratio | 16.5732% | 2,867 |
| Memoranda: |
| Average total assets | $79,637,000 | 5,835 |
| Average earning assets | $70,865,500 | 5,884 |
| Average equity | $12,257,500 | 4,767 |
| Average total loans | $31,840,000 | 6,658 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8631% | 8,114 |
| Cost of funding earning assets | 1.6913% | 7,277 |
| Net interest margin | 2.1718% | 7,974 |
| Noninterest income to average assets | 0.2617% | 6,579 |
| Noninterest expense to average assets | 1.6669% | 7,897 |
| Loan and lease loss provision to assets | 0.2835% | 4,118 |
| Net operating income to assets | 0.2738% | 5,632 |
| Return on assets (ROA) | 0.2738% | 5,449 |
| Pretax return on assets | 0.2738% | 5,565 |
| Return on Equity (ROE) | 2.0916% | 5,582 |
| Retained earnings to average equity (ytd only) | 2.0916% | 3,934 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4859% | 5,023 |
| Assets per employee ($millions) | 3.8577% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3055% | 3,744 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 41.4475% | 7,612 |
| Net loans and leases to deposits | 50.2002% | 7,623 |
| Net loans and leases to core deposits | 53.8985% | 7,805 |
| Total domestic deposits to total assets | 82.5645% | 3,971 |
| Equity capital to assets | 15.8542% | 970 |
| Core capital (leverage) ratio | 9.2213% | 4,410 |
| Tier 1 risk-based capital ratio | 16.0466% | 2,649 |
| Total risk-based capital ratio | 17.1193% | 2,658 |
| Memoranda: |
| Average total assets | $82,906,000 | 5,595 |
| Average earning assets | $74,913,600 | 5,629 |
| Average equity | $10,853,000 | 5,170 |
| Average total loans | $32,037,000 | 6,605 |
