| 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 | 3.9545% | 4,029 |
| Cost of funding earning assets | 0.9770% | 3,357 |
| Net interest margin | 2.9775% | 3,333 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.4020% | 2,587 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.5470% | 3,576 |
| Return on assets (ROA) | 0.5445% | 3,566 |
| Pretax return on assets | 0.5737% | 3,684 |
| Return on Equity (ROE) | 12.0900% | 1,931 |
| Retained earnings to average equity (ytd only) | 11.2998% | 728 |
| Net charge-offs to loans | -0.0065% | 3,892 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 79.4669% | 949 |
| Assets per employee ($millions) | 7.2292% | 1,919 |
| Cash dividends to net income (ytd only)* | 6.5041% | 3,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9708% | 3,455 |
| 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 | 57.4100% | 3,090 |
| Net loans and leases to deposits | 70.4159% | 2,859 |
| Net loans and leases to core deposits | 76.0644% | 2,972 |
| Total domestic deposits to total assets | 81.5300% | 3,218 |
| Equity capital to assets | 5.0524% | 4,402 |
| Core capital (leverage) ratio | 7.2984% | 4,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9353% | 2,604 |
| Memoranda: |
| Average total assets | $112,947,600 | 3,716 |
| Average earning assets | $105,223,000 | 3,691 |
| Average equity | $5,088,600 | 4,252 |
| Average total loans | $61,414,800 | 3,688 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8138% | 4,097 |
| Cost of funding earning assets | 0.8588% | 3,376 |
| Net interest margin | 2.9550% | 3,424 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.3918% | 2,535 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5813% | 3,592 |
| Return on assets (ROA) | 0.5701% | 3,607 |
| Pretax return on assets | 0.5997% | 3,732 |
| Return on Equity (ROE) | 13.0600% | 1,883 |
| Retained earnings to average equity (ytd only) | 11.9731% | 973 |
| Net charge-offs to loans | -0.0067% | 3,820 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 79.6362% | 878 |
| Assets per employee ($millions) | 6.6452% | 2,220 |
| Cash dividends to net income (ytd only)* | 8.3333% | 2,830 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9405% | 3,591 |
| 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 | 56.0400% | 3,201 |
| Net loans and leases to deposits | 65.1396% | 3,195 |
| Net loans and leases to core deposits | 71.1650% | 3,157 |
| Total domestic deposits to total assets | 86.0200% | 2,189 |
| Equity capital to assets | 4.2649% | 4,375 |
| Core capital (leverage) ratio | 7.2514% | 4,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0220% | 2,606 |
| Memoranda: |
| Average total assets | $112,267,750 | 3,736 |
| Average earning assets | $104,633,750 | 3,713 |
| Average equity | $4,899,750 | 4,279 |
| Average total loans | $60,004,500 | 3,715 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6348% | 4,214 |
| Cost of funding earning assets | 0.8456% | 3,085 |
| Net interest margin | 2.7893% | 3,837 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.3778% | 2,567 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4792% | 3,851 |
| Return on assets (ROA) | 0.4606% | 3,896 |
| Pretax return on assets | 0.4838% | 3,993 |
| Return on Equity (ROE) | 10.4700% | 2,567 |
| Retained earnings to average equity (ytd only) | 8.8492% | 1,719 |
| Net charge-offs to loans | -0.0068% | 3,795 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.5279% | 680 |
| Assets per employee ($millions) | 7.1001% | 1,850 |
| Cash dividends to net income (ytd only)* | 15.5039% | 2,579 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9770% | 3,510 |
| 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 | 53.4400% | 3,309 |
| Net loans and leases to deposits | 56.3309% | 3,625 |
| Net loans and leases to core deposits | 60.9750% | 3,579 |
| Total domestic deposits to total assets | 94.8800% | 100 |
| Equity capital to assets | 4.3450% | 4,469 |
| Core capital (leverage) ratio | 7.1133% | 4,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3050% | 2,532 |
| Memoranda: |
| Average total assets | $112,034,333 | 3,747 |
| Average earning assets | $104,544,000 | 3,731 |
| Average equity | $4,927,000 | 4,297 |
| Average total loans | $58,705,000 | 3,740 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5241% | 4,238 |
| Cost of funding earning assets | 0.6201% | 3,320 |
| Net interest margin | 2.9040% | 3,788 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.5060% | 2,230 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5363% | 3,821 |
| Return on assets (ROA) | 0.5465% | 3,761 |
| Pretax return on assets | 0.5753% | 3,886 |
| Return on Equity (ROE) | 12.3500% | 2,130 |
| Retained earnings to average equity (ytd only) | 12.3514% | 1,205 |
| Net charge-offs to loans | -0.0070% | 3,737 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.6159% | 732 |
| Assets per employee ($millions) | 6.8824% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0499% | 3,297 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 51.1800% | 3,409 |
| Net loans and leases to deposits | 57.7893% | 3,462 |
| Net loans and leases to core deposits | 63.5489% | 3,368 |
| Total domestic deposits to total assets | 88.5600% | 1,716 |
| Equity capital to assets | 4.6813% | 4,467 |
| Core capital (leverage) ratio | 7.1702% | 4,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6985% | 2,500 |
| Memoranda: |
| Average total assets | $111,251,000 | 3,812 |
| Average earning assets | $103,857,500 | 3,787 |
| Average equity | $4,922,500 | 4,358 |
| Average total loans | $57,401,000 | 3,801 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0420% | 4,085 |
| Cost of funding earning assets | 0.1844% | 3,874 |
| Net interest margin | 2.8576% | 3,776 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 2.3988% | 2,427 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4647% | 4,146 |
| Return on assets (ROA) | 0.4604% | 4,111 |
| Pretax return on assets | 0.4823% | 4,191 |
| Return on Equity (ROE) | 9.5900% | 2,946 |
| Retained earnings to average equity (ytd only) | 9.5905% | 1,282 |
| Net charge-offs to loans | -0.0072% | 3,716 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 83.1276% | 533 |
| Assets per employee ($millions) | 7.0240% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0321% | 3,191 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 50.9400% | 3,437 |
| Net loans and leases to deposits | 55.3484% | 3,607 |
| Net loans and leases to core deposits | 59.2556% | 3,544 |
| Total domestic deposits to total assets | 92.0300% | 632 |
| Equity capital to assets | 4.1732% | 4,499 |
| Core capital (leverage) ratio | 7.0150% | 4,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4668% | 2,581 |
| Memoranda: |
| Average total assets | $109,470,600 | 3,842 |
| Average earning assets | $103,024,400 | 3,806 |
| Average equity | $5,255,200 | 4,406 |
| Average total loans | $55,538,800 | 3,817 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8977% | 4,062 |
| Cost of funding earning assets | 0.1338% | 4,000 |
| Net interest margin | 2.7638% | 3,810 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 2.4007% | 2,323 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3652% | 4,297 |
| Return on assets (ROA) | 0.3605% | 4,254 |
| Pretax return on assets | 0.3740% | 4,297 |
| Return on Equity (ROE) | 7.2600% | 3,531 |
| Retained earnings to average equity (ytd only) | 7.2638% | 2,278 |
| Net charge-offs to loans | -0.0073% | 3,596 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 86.3697% | 448 |
| Assets per employee ($millions) | 6.8639% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0635% | 3,185 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 50.4900% | 3,416 |
| Net loans and leases to deposits | 53.4022% | 3,639 |
| Net loans and leases to core deposits | 54.2396% | 3,728 |
| Total domestic deposits to total assets | 94.5400% | 281 |
| Equity capital to assets | 3.9600% | 4,480 |
| Core capital (leverage) ratio | 6.9662% | 4,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5663% | 2,633 |
| Memoranda: |
| Average total assets | $108,742,250 | 3,869 |
| Average earning assets | $102,608,500 | 3,834 |
| Average equity | $5,396,500 | 4,425 |
| Average total loans | $54,962,250 | 3,836 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7332% | 4,095 |
| Cost of funding earning assets | 0.1404% | 3,707 |
| Net interest margin | 2.5929% | 3,927 |
| Noninterest income to average assets | 0.1716% | 4,147 |
| Noninterest expense to average assets | 2.3860% | 2,274 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2360% | 4,378 |
| Return on assets (ROA) | 0.2270% | 4,347 |
| Pretax return on assets | 0.2307% | 4,375 |
| Return on Equity (ROE) | 4.2815% | 3,968 |
| Retained earnings to average equity (ytd only) | 4.2815% | 2,982 |
| Net charge-offs to loans | -0.0073% | 3,466 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8644% | 374 |
| Assets per employee ($millions) | 6.6813% | 2,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0597% | 3,325 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 51.9677% | 3,156 |
| Net loans and leases to deposits | 54.4807% | 3,507 |
| Net loans and leases to core deposits | 55.5823% | 3,601 |
| Total domestic deposits to total assets | 95.3873% | 112 |
| Equity capital to assets | 4.3133% | 4,584 |
| Core capital (leverage) ratio | 6.8162% | 4,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0207% | 2,487 |
| Memoranda: |
| Average total assets | $108,382,333 | 3,909 |
| Average earning assets | $102,589,667 | 3,889 |
| Average equity | $5,745,667 | 4,441 |
| Average total loans | $54,602,000 | 3,881 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5475% | 4,200 |
| Cost of funding earning assets | 0.1465% | 3,547 |
| Net interest margin | 2.4011% | 4,065 |
| Noninterest income to average assets | 0.1796% | 4,091 |
| Noninterest expense to average assets | 2.4669% | 1,968 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0095% | 4,546 |
| Return on assets (ROA) | 0.0037% | 4,527 |
| Pretax return on assets | -0.0110% | 4,526 |
| Return on Equity (ROE) | 0.0634% | 4,525 |
| Retained earnings to average equity (ytd only) | 0.0634% | 4,003 |
| Net charge-offs to loans | -0.0074% | 3,483 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1488% | 243 |
| Assets per employee ($millions) | 6.8612% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0979% | 3,337 |
| Loan loss allowance to noncurrent loans | 2,475.0000% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 3,825 |
| Noncurrent loans to loans | 0.0444% | 3,662 |
| Net loans and leases to total assets | 48.7443% | 3,305 |
| Net loans and leases to deposits | 51.4203% | 3,616 |
| Net loans and leases to core deposits | 52.4376% | 3,700 |
| Total domestic deposits to total assets | 94.7959% | 52 |
| Equity capital to assets | 5.0310% | 4,720 |
| Core capital (leverage) ratio | 6.6924% | 4,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2406% | 2,510 |
| Memoranda: |
| Average total assets | $109,123,000 | 3,925 |
| Average earning assets | $103,786,000 | 3,887 |
| Average equity | $6,313,000 | 4,431 |
| Average total loans | $53,828,500 | 3,904 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2503% | 3,343 |
| Cost of funding earning assets | 0.2448% | 2,997 |
| Net interest margin | 3.0054% | 3,178 |
| Noninterest income to average assets | 0.2273% | 4,019 |
| Noninterest expense to average assets | 2.4454% | 2,350 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5879% | 3,902 |
| Return on assets (ROA) | 0.6868% | 3,712 |
| Pretax return on assets | 0.7241% | 3,878 |
| Return on Equity (ROE) | 9.5207% | 2,714 |
| Retained earnings to average equity (ytd only) | 1.6419% | 4,081 |
| Net charge-offs to loans | -0.0181% | 3,940 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7756% | 819 |
| Assets per employee ($millions) | 6.3804% | 2,424 |
| Cash dividends to net income (ytd only)* | 82.7538% | 453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1073% | 3,327 |
| Loan loss allowance to noncurrent loans | 2,470.8333% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 3,906 |
| Noncurrent loans to loans | 0.0448% | 3,756 |
| Net loans and leases to total assets | 48.8250% | 3,424 |
| Net loans and leases to deposits | 52.3579% | 3,715 |
| Net loans and leases to core deposits | 53.2862% | 3,809 |
| Total domestic deposits to total assets | 93.2523% | 32 |
| Equity capital to assets | 6.5485% | 4,785 |
| Core capital (leverage) ratio | 6.8289% | 4,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3388% | 2,517 |
| Memoranda: |
| Average total assets | $104,687,400 | 3,948 |
| Average earning assets | $98,853,800 | 3,920 |
| Average equity | $7,552,000 | 4,372 |
| Average total loans | $55,122,200 | 3,912 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4925% | 2,856 |
| Cost of funding earning assets | 0.2659% | 2,942 |
| Net interest margin | 3.2265% | 2,645 |
| Noninterest income to average assets | 0.2326% | 4,005 |
| Noninterest expense to average assets | 2.4599% | 2,240 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7732% | 3,591 |
| Return on assets (ROA) | 0.9112% | 3,284 |
| Pretax return on assets | 0.9588% | 3,566 |
| Return on Equity (ROE) | 12.3340% | 1,927 |
| Retained earnings to average equity (ytd only) | 7.1151% | 2,371 |
| Net charge-offs to loans | -0.0216% | 3,998 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1472% | 1,109 |
| Assets per employee ($millions) | 6.3138% | 2,409 |
| Cash dividends to net income (ytd only)* | 42.3131% | 1,515 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1130% | 3,382 |
| Loan loss allowance to noncurrent loans | 2,466.6667% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 4,040 |
| Noncurrent loans to loans | 0.0451% | 3,889 |
| Net loans and leases to total assets | 49.0027% | 3,526 |
| Net loans and leases to deposits | 52.8316% | 3,825 |
| Net loans and leases to core deposits | 53.7796% | 3,933 |
| Total domestic deposits to total assets | 92.7526% | 51 |
| Equity capital to assets | 7.0648% | 4,801 |
| Core capital (leverage) ratio | 7.1412% | 4,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4852% | 2,173 |
| Memoranda: |
| Average total assets | $103,742,500 | 4,009 |
| Average earning assets | $97,770,000 | 3,976 |
| Average equity | $7,664,250 | 4,423 |
| Average total loans | $55,514,750 | 3,953 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9488% | 1,681 |
| Cost of funding earning assets | 0.2750% | 3,043 |
| Net interest margin | 3.6738% | 1,412 |
| Noninterest income to average assets | 0.2301% | 4,022 |
| Noninterest expense to average assets | 2.5062% | 2,120 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1288% | 2,438 |
| Return on assets (ROA) | 1.1566% | 2,404 |
| Pretax return on assets | 1.2190% | 2,861 |
| Return on Equity (ROE) | 15.4200% | 1,064 |
| Retained earnings to average equity (ytd only) | 10.2193% | 1,334 |
| Net charge-offs to loans | -0.0284% | 4,139 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8100% | 1,901 |
| Assets per employee ($millions) | 6.1229% | 2,500 |
| Cash dividends to net income (ytd only)* | 33.7268% | 1,883 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0659% | 3,564 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 52.6982% | 3,280 |
| Net loans and leases to deposits | 57.0518% | 3,632 |
| Net loans and leases to core deposits | 58.1088% | 3,752 |
| Total domestic deposits to total assets | 92.3690% | 76 |
| Equity capital to assets | 7.4350% | 4,755 |
| Core capital (leverage) ratio | 7.2287% | 4,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9882% | 1,978 |
| Memoranda: |
| Average total assets | $102,545,000 | 4,044 |
| Average earning assets | $96,738,333 | 4,007 |
| Average equity | $7,691,333 | 4,450 |
| Average total loans | $56,290,000 | 3,968 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7095% | 565 |
| Cost of funding earning assets | 0.2871% | 3,130 |
| Net interest margin | 4.4224% | 409 |
| Noninterest income to average assets | 0.2358% | 3,980 |
| Noninterest expense to average assets | 2.5508% | 2,023 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7716% | 826 |
| Return on assets (ROA) | 1.7529% | 909 |
| Pretax return on assets | 1.8433% | 1,210 |
| Return on Equity (ROE) | 23.2670% | 325 |
| Retained earnings to average equity (ytd only) | 23.2670% | 175 |
| Net charge-offs to loans | -0.0494% | 4,386 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7916% | 3,336 |
| Assets per employee ($millions) | 6.2936% | 2,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9854% | 3,896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 55.4131% | 3,106 |
| Net loans and leases to deposits | 59.9113% | 3,492 |
| Net loans and leases to core deposits | 61.8914% | 3,579 |
| Total domestic deposits to total assets | 92.4919% | 72 |
| Equity capital to assets | 7.3343% | 4,763 |
| Core capital (leverage) ratio | 7.4430% | 4,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3136% | 1,810 |
| Memoranda: |
| Average total assets | $101,773,000 | 4,050 |
| Average earning assets | $96,146,000 | 4,022 |
| Average equity | $7,667,500 | 4,464 |
| Average total loans | $56,713,000 | 3,975 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0991% | 2,426 |
| Cost of funding earning assets | 0.3544% | 3,851 |
| Net interest margin | 3.7448% | 1,654 |
| Noninterest income to average assets | 0.4005% | 3,084 |
| Noninterest expense to average assets | 2.9333% | 1,594 |
| Loan and lease loss provision to assets | 0.0975% | 3,120 |
| Net operating income to assets | 0.8549% | 2,884 |
| Return on assets (ROA) | 1.0064% | 2,412 |
| Pretax return on assets | 1.0581% | 2,842 |
| Return on Equity (ROE) | 11.7074% | 1,408 |
| Retained earnings to average equity (ytd only) | 1.8956% | 3,869 |
| Net charge-offs to loans | 0.0113% | 2,919 |
| Credit loss provision to net charge-offs | 1,416.6667% | 593 |
| Earnings coverage of net charge-offs (x) | 144.6667% | 598 |
| Efficiency ratio | 74.6495% | 1,370 |
| Assets per employee ($millions) | 5.6797% | 2,653 |
| Cash dividends to net income (ytd only)* | 83.8084% | 545 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0887% | 3,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 54.8558% | 3,404 |
| Net loans and leases to deposits | 59.5659% | 3,795 |
| Net loans and leases to core deposits | 61.7838% | 3,840 |
| Total domestic deposits to total assets | 92.0926% | 61 |
| Equity capital to assets | 7.7552% | 4,786 |
| Core capital (leverage) ratio | 7.3976% | 4,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6499% | 1,992 |
| Memoranda: |
| Average total assets | $87,138,000 | 4,157 |
| Average earning assets | $82,114,600 | 4,133 |
| Average equity | $7,491,000 | 4,480 |
| Average total loans | $53,103,400 | 4,045 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7235% | 3,749 |
| Cost of funding earning assets | 0.3600% | 4,003 |
| Net interest margin | 3.3635% | 3,012 |
| Noninterest income to average assets | 0.4057% | 3,051 |
| Noninterest expense to average assets | 3.0398% | 1,354 |
| Loan and lease loss provision to assets | 0.0083% | 4,189 |
| Net operating income to assets | 0.5047% | 4,014 |
| Return on assets (ROA) | 0.7124% | 3,522 |
| Pretax return on assets | 0.7501% | 3,778 |
| Return on Equity (ROE) | 8.0620% | 2,790 |
| Retained earnings to average equity (ytd only) | 6.7272% | 1,804 |
| Net charge-offs to loans | -0.0252% | 4,474 |
| Credit loss provision to net charge-offs | -50.0000% | 3,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9297% | 564 |
| Assets per employee ($millions) | 5.5161% | 2,693 |
| Cash dividends to net income (ytd only)* | 16.5563% | 2,934 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8353% | 4,275 |
| Loan loss allowance to noncurrent loans | 83.5749% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.6622% | 1,746 |
| Noncurrent loans to loans | 0.9995% | 1,496 |
| Net loans and leases to total assets | 65.7026% | 2,552 |
| Net loans and leases to deposits | 71.7938% | 3,150 |
| Net loans and leases to core deposits | 74.7800% | 3,258 |
| Total domestic deposits to total assets | 91.5158% | 100 |
| Equity capital to assets | 8.2507% | 4,603 |
| Core capital (leverage) ratio | 8.0777% | 4,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7618% | 1,906 |
| Memoranda: |
| Average total assets | $84,783,750 | 4,191 |
| Average earning assets | $79,994,000 | 4,166 |
| Average equity | $7,491,750 | 4,500 |
| Average total loans | $52,992,000 | 4,066 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7736% | 3,938 |
| Cost of funding earning assets | 0.3678% | 4,187 |
| Net interest margin | 3.4058% | 3,080 |
| Noninterest income to average assets | 0.5160% | 2,507 |
| Noninterest expense to average assets | 3.2132% | 1,140 |
| Loan and lease loss provision to assets | 0.0122% | 4,066 |
| Net operating income to assets | 0.4794% | 4,066 |
| Return on assets (ROA) | 0.8070% | 3,136 |
| Pretax return on assets | 0.8510% | 3,454 |
| Return on Equity (ROE) | 8.9069% | 2,396 |
| Retained earnings to average equity (ytd only) | 7.4224% | 1,494 |
| Net charge-offs to loans | -0.0360% | 4,593 |
| Credit loss provision to net charge-offs | -55.5556% | 3,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1075% | 531 |
| Assets per employee ($millions) | 5.2540% | 2,883 |
| Cash dividends to net income (ytd only)* | 16.6667% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8552% | 4,171 |
| Loan loss allowance to noncurrent loans | 3,984.6154% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 4,494 |
| Noncurrent loans to loans | 0.0215% | 4,406 |
| Net loans and leases to total assets | 67.2362% | 2,469 |
| Net loans and leases to deposits | 73.7175% | 3,103 |
| Net loans and leases to core deposits | 76.9371% | 3,202 |
| Total domestic deposits to total assets | 91.2078% | 113 |
| Equity capital to assets | 8.5638% | 4,441 |
| Core capital (leverage) ratio | 8.3299% | 4,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0719% | 1,783 |
| Memoranda: |
| Average total assets | $81,787,000 | 4,232 |
| Average earning assets | $77,221,333 | 4,208 |
| Average equity | $7,410,000 | 4,528 |
| Average total loans | $49,945,667 | 4,146 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7796% | 4,261 |
| Cost of funding earning assets | 0.3981% | 4,367 |
| Net interest margin | 3.3814% | 3,357 |
| Noninterest income to average assets | 0.3948% | 3,139 |
| Noninterest expense to average assets | 3.2658% | 1,290 |
| Loan and lease loss provision to assets | 0.0256% | 3,470 |
| Net operating income to assets | 0.2668% | 4,416 |
| Return on assets (ROA) | 0.2717% | 4,432 |
| Pretax return on assets | 0.2871% | 4,475 |
| Return on Equity (ROE) | 2.9079% | 4,241 |
| Retained earnings to average equity (ytd only) | 2.9079% | 3,121 |
| Net charge-offs to loans | -0.0269% | 4,429 |
| Credit loss provision to net charge-offs | -166.6667% | 3,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3917% | 450 |
| Assets per employee ($millions) | 4.5651% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1588% | 2,885 |
| Loan loss allowance to noncurrent loans | 3,657.1429% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 4,538 |
| Noncurrent loans to loans | 0.0317% | 4,435 |
| Net loans and leases to total assets | 56.2720% | 3,817 |
| Net loans and leases to deposits | 62.4666% | 4,076 |
| Net loans and leases to core deposits | 65.6490% | 4,102 |
| Total domestic deposits to total assets | 90.0834% | 295 |
| Equity capital to assets | 9.7401% | 4,006 |
| Core capital (leverage) ratio | 9.0404% | 4,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6692% | 2,015 |
| Memoranda: |
| Average total assets | $78,021,500 | 4,288 |
| Average earning assets | $73,341,500 | 4,270 |
| Average equity | $7,290,500 | 4,575 |
| Average total loans | $44,632,500 | 4,259 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8864% | 4,459 |
| Cost of funding earning assets | 0.3462% | 4,606 |
| Net interest margin | 3.5403% | 3,314 |
| Noninterest income to average assets | 0.2579% | 4,131 |
| Noninterest expense to average assets | 3.3100% | 1,277 |
| Loan and lease loss provision to assets | 0.3484% | 441 |
| Net operating income to assets | -0.0880% | 5,001 |
| Return on assets (ROA) | -0.0880% | 5,012 |
| Pretax return on assets | -0.0880% | 5,004 |
| Return on Equity (ROE) | -1.0345% | 5,015 |
| Retained earnings to average equity (ytd only) | -2.0402% | 4,871 |
| Net charge-offs to loans | 0.6580% | 269 |
| Credit loss provision to net charge-offs | 90.7643% | 2,646 |
| Earnings coverage of net charge-offs (x) | 0.6783% | 3,596 |
| Efficiency ratio | 92.7080% | 271 |
| Assets per employee ($millions) | 4.1282% | 3,723 |
| Cash dividends to net income (ytd only)* | -97.2222% | 5,170 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1180% | 2,842 |
| Loan loss allowance to noncurrent loans | 3,600.0000% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 4,056 |
| Noncurrent loans to loans | 0.0311% | 4,440 |
| Net loans and leases to total assets | 56.8336% | 3,860 |
| Net loans and leases to deposits | 62.5700% | 4,166 |
| Net loans and leases to core deposits | 65.6737% | 4,202 |
| Total domestic deposits to total assets | 90.8320% | 140 |
| Equity capital to assets | 8.9525% | 4,709 |
| Core capital (leverage) ratio | 8.7659% | 4,690 |
| Tier 1 risk-based capital ratio | 13.2152% | 3,671 |
| Total risk-based capital ratio | 14.1684% | 3,712 |
| Memoranda: |
| Average total assets | $81,813,600 | 4,257 |
| Average earning assets | $76,548,200 | 4,240 |
| Average equity | $6,960,000 | 4,646 |
| Average total loans | $47,716,800 | 4,227 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8157% | 4,656 |
| Cost of funding earning assets | 0.3226% | 4,742 |
| Net interest margin | 3.4931% | 3,580 |
| Noninterest income to average assets | 0.2629% | 4,168 |
| Noninterest expense to average assets | 3.1486% | 1,582 |
| Loan and lease loss provision to assets | 0.4355% | 296 |
| Net operating income to assets | -0.0548% | 5,077 |
| Return on assets (ROA) | -0.0548% | 5,085 |
| Pretax return on assets | -0.0548% | 5,080 |
| Return on Equity (ROE) | -0.6527% | 5,089 |
| Retained earnings to average equity (ytd only) | -1.9967% | 4,925 |
| Net charge-offs to loans | 0.9013% | 164 |
| Credit loss provision to net charge-offs | 82.5688% | 2,471 |
| Earnings coverage of net charge-offs (x) | 0.7217% | 3,348 |
| Efficiency ratio | 89.2139% | 354 |
| Assets per employee ($millions) | 4.3320% | 3,438 |
| Cash dividends to net income (ytd only)* | -205.8901% | 5,247 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0517% | 3,278 |
| Loan loss allowance to noncurrent loans | 1,322.2222% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.5686% | 2,304 |
| Noncurrent loans to loans | 0.0795% | 4,284 |
| Net loans and leases to total assets | 54.4078% | 4,147 |
| Net loans and leases to deposits | 59.6163% | 4,398 |
| Net loans and leases to core deposits | 63.4180% | 4,405 |
| Total domestic deposits to total assets | 91.2633% | 74 |
| Equity capital to assets | 8.5447% | 4,981 |
| Core capital (leverage) ratio | 8.6659% | 4,856 |
| Tier 1 risk-based capital ratio | 13.1339% | 3,773 |
| Total risk-based capital ratio | 14.0237% | 3,865 |
| Memoranda: |
| Average total assets | $82,658,000 | 4,301 |
| Average earning assets | $77,293,750 | 4,279 |
| Average equity | $6,944,500 | 4,705 |
| Average total loans | $48,375,500 | 4,264 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7427% | 4,778 |
| Cost of funding earning assets | 0.3100% | 4,803 |
| Net interest margin | 3.4328% | 3,794 |
| Noninterest income to average assets | 0.2779% | 4,076 |
| Noninterest expense to average assets | 3.1701% | 1,569 |
| Loan and lease loss provision to assets | 0.0725% | 2,367 |
| Net operating income to assets | 0.2344% | 4,957 |
| Return on assets (ROA) | 0.2344% | 4,970 |
| Pretax return on assets | 0.2465% | 4,983 |
| Return on Equity (ROE) | 2.8055% | 4,827 |
| Retained earnings to average equity (ytd only) | 0.7809% | 4,492 |
| Net charge-offs to loans | 0.2955% | 576 |
| Credit loss provision to net charge-offs | 41.0959% | 2,527 |
| Earnings coverage of net charge-offs (x) | 1.8082% | 2,990 |
| Efficiency ratio | 90.8587% | 323 |
| Assets per employee ($millions) | 4.4646% | 3,194 |
| Cash dividends to net income (ytd only)* | 72.1649% | 1,035 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0506% | 3,331 |
| Loan loss allowance to noncurrent loans | 66.4858% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.9596% | 1,452 |
| Noncurrent loans to loans | 1.5801% | 969 |
| Net loans and leases to total assets | 54.4066% | 4,184 |
| Net loans and leases to deposits | 59.5441% | 4,452 |
| Net loans and leases to core deposits | 63.1951% | 4,446 |
| Total domestic deposits to total assets | 91.3720% | 69 |
| Equity capital to assets | 8.4630% | 5,056 |
| Core capital (leverage) ratio | 8.6583% | 4,874 |
| Tier 1 risk-based capital ratio | 13.3573% | 3,653 |
| Total risk-based capital ratio | 14.2719% | 3,729 |
| Memoranda: |
| Average total assets | $82,774,670 | 4,332 |
| Average earning assets | $77,430,330 | 4,304 |
| Average equity | $6,915,000 | 4,738 |
| Average total loans | $49,414,670 | 4,270 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7687% | 4,752 |
| Cost of funding earning assets | 0.3101% | 4,816 |
| Net interest margin | 3.4586% | 3,718 |
| Noninterest income to average assets | 0.2838% | 3,979 |
| Noninterest expense to average assets | 3.0924% | 1,752 |
| Loan and lease loss provision to assets | 0.0734% | 2,206 |
| Net operating income to assets | 0.3229% | 4,868 |
| Return on assets (ROA) | 0.3229% | 4,876 |
| Pretax return on assets | 0.3376% | 4,916 |
| Return on Equity (ROE) | 3.8921% | 4,597 |
| Retained earnings to average equity (ytd only) | 3.8921% | 3,357 |
| Net charge-offs to loans | -0.0315% | 4,666 |
| Credit loss provision to net charge-offs | -375.0000% | 3,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2682% | 469 |
| Assets per employee ($millions) | 4.2562% | 3,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1558% | 2,815 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.6950% | 2,019 |
| Noncurrent loans to loans | 0.0963% | 4,316 |
| Net loans and leases to total assets | 58.3754% | 3,842 |
| Net loans and leases to deposits | 63.9419% | 4,181 |
| Net loans and leases to core deposits | 67.8583% | 4,187 |
| Total domestic deposits to total assets | 91.2945% | 121 |
| Equity capital to assets | 8.5609% | 4,951 |
| Core capital (leverage) ratio | 8.9235% | 4,701 |
| Tier 1 risk-based capital ratio | 13.1230% | 3,815 |
| Total risk-based capital ratio | 14.1297% | 3,839 |
| Memoranda: |
| Average total assets | $81,748,000 | 4,390 |
| Average earning assets | $76,101,000 | 4,369 |
| Average equity | $6,783,000 | 4,790 |
| Average total loans | $50,801,000 | 4,285 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7824% | 4,529 |
| Cost of funding earning assets | 0.2401% | 4,850 |
| Net interest margin | 3.5423% | 3,568 |
| Noninterest income to average assets | 0.3330% | 3,881 |
| Noninterest expense to average assets | 3.1191% | 1,747 |
| Loan and lease loss provision to assets | 0.0724% | 2,687 |
| Net operating income to assets | 0.4477% | 4,772 |
| Return on assets (ROA) | 0.4477% | 4,766 |
| Pretax return on assets | 0.4706% | 4,842 |
| Return on Equity (ROE) | 5.6049% | 4,289 |
| Retained earnings to average equity (ytd only) | 1.6769% | 4,475 |
| Net charge-offs to loans | 0.0226% | 2,963 |
| Credit loss provision to net charge-offs | 500.0000% | 689 |
| Earnings coverage of net charge-offs (x) | 37.5000% | 1,378 |
| Efficiency ratio | 85.1730% | 570 |
| Assets per employee ($millions) | 4.3506% | 3,382 |
| Cash dividends to net income (ytd only)* | 70.0809% | 1,077 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9899% | 3,763 |
| Loan loss allowance to noncurrent loans | 2,220.8333% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.6533% | 2,088 |
| Noncurrent loans to loans | 0.0446% | 4,548 |
| Net loans and leases to total assets | 64.4923% | 3,301 |
| Net loans and leases to deposits | 70.6814% | 3,772 |
| Net loans and leases to core deposits | 74.6356% | 3,810 |
| Total domestic deposits to total assets | 91.2438% | 157 |
| Equity capital to assets | 8.0764% | 5,134 |
| Core capital (leverage) ratio | 8.6429% | 4,922 |
| Tier 1 risk-based capital ratio | 11.7203% | 4,617 |
| Total risk-based capital ratio | 12.5924% | 4,706 |
| Memoranda: |
| Average total assets | $82,876,800 | 4,381 |
| Average earning assets | $77,886,600 | 4,351 |
| Average equity | $6,619,200 | 4,807 |
| Average total loans | $53,060,200 | 4,240 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7303% | 4,591 |
| Cost of funding earning assets | 0.2132% | 4,973 |
| Net interest margin | 3.5171% | 3,638 |
| Noninterest income to average assets | 0.3231% | 3,985 |
| Noninterest expense to average assets | 3.0852% | 1,797 |
| Loan and lease loss provision to assets | 0.0723% | 2,512 |
| Net operating income to assets | 0.4566% | 4,844 |
| Return on assets (ROA) | 0.4566% | 4,852 |
| Pretax return on assets | 0.4807% | 4,928 |
| Return on Equity (ROE) | 5.7329% | 4,345 |
| Retained earnings to average equity (ytd only) | 3.3105% | 4,094 |
| Net charge-offs to loans | -0.0076% | 4,323 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7989% | 593 |
| Assets per employee ($millions) | 4.3728% | 3,320 |
| Cash dividends to net income (ytd only)* | 42.2543% | 1,942 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9793% | 3,898 |
| Loan loss allowance to noncurrent loans | 391.9118% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.6921% | 2,124 |
| Noncurrent loans to loans | 0.2499% | 3,795 |
| Net loans and leases to total assets | 64.8677% | 3,320 |
| Net loans and leases to deposits | 72.1337% | 3,758 |
| Net loans and leases to core deposits | 76.1947% | 3,786 |
| Total domestic deposits to total assets | 89.9269% | 534 |
| Equity capital to assets | 7.9041% | 5,208 |
| Core capital (leverage) ratio | 8.6693% | 4,982 |
| Tier 1 risk-based capital ratio | 11.5797% | 4,747 |
| Total risk-based capital ratio | 12.4350% | 4,855 |
| Memoranda: |
| Average total assets | $82,930,750 | 4,423 |
| Average earning assets | $78,169,000 | 4,390 |
| Average equity | $6,605,000 | 4,860 |
| Average total loans | $52,864,500 | 4,294 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6504% | 4,683 |
| Cost of funding earning assets | 0.2120% | 4,963 |
| Net interest margin | 3.4384% | 3,837 |
| Noninterest income to average assets | 0.3306% | 3,976 |
| Noninterest expense to average assets | 3.1081% | 1,766 |
| Loan and lease loss provision to assets | 0.0724% | 2,436 |
| Net operating income to assets | 0.3764% | 5,010 |
| Return on assets (ROA) | 0.3764% | 5,011 |
| Pretax return on assets | 0.3982% | 5,046 |
| Return on Equity (ROE) | 4.7147% | 4,633 |
| Retained earnings to average equity (ytd only) | 2.2969% | 4,359 |
| Net charge-offs to loans | -0.0076% | 4,222 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8510% | 529 |
| Assets per employee ($millions) | 4.1252% | 3,688 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9654% | 4,037 |
| Loan loss allowance to noncurrent loans | 89.7569% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 0.6981% | 2,143 |
| Noncurrent loans to loans | 1.0756% | 1,639 |
| Net loans and leases to total assets | 64.2817% | 3,368 |
| Net loans and leases to deposits | 70.5328% | 3,815 |
| Net loans and leases to core deposits | 73.7365% | 3,897 |
| Total domestic deposits to total assets | 91.1374% | 216 |
| Equity capital to assets | 7.9329% | 5,247 |
| Core capital (leverage) ratio | 8.6751% | 4,975 |
| Tier 1 risk-based capital ratio | 11.4297% | 4,820 |
| Total risk-based capital ratio | 12.2588% | 4,953 |
| Memoranda: |
| Average total assets | $82,880,000 | 4,470 |
| Average earning assets | $78,293,330 | 4,432 |
| Average equity | $6,617,670 | 4,904 |
| Average total loans | $52,343,670 | 4,341 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5940% | 4,716 |
| Cost of funding earning assets | 0.2243% | 4,869 |
| Net interest margin | 3.3697% | 3,989 |
| Noninterest income to average assets | 0.2408% | 4,563 |
| Noninterest expense to average assets | 3.0240% | 2,015 |
| Loan and lease loss provision to assets | 0.0722% | 2,318 |
| Net operating income to assets | 0.3130% | 5,072 |
| Return on assets (ROA) | 0.3130% | 5,079 |
| Pretax return on assets | 0.3274% | 5,134 |
| Return on Equity (ROE) | 3.9074% | 4,787 |
| Retained earnings to average equity (ytd only) | 3.9074% | 3,632 |
| Net charge-offs to loans | -0.0077% | 4,151 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3263% | 518 |
| Assets per employee ($millions) | 4.3534% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9566% | 4,190 |
| Loan loss allowance to noncurrent loans | 86.6782% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 0.6988% | 2,232 |
| Noncurrent loans to loans | 1.1036% | 1,658 |
| Net loans and leases to total assets | 62.7105% | 3,460 |
| Net loans and leases to deposits | 70.6853% | 3,729 |
| Net loans and leases to core deposits | 71.9032% | 3,970 |
| Total domestic deposits to total assets | 88.7179% | 1,248 |
| Equity capital to assets | 7.9671% | 5,287 |
| Core capital (leverage) ratio | 8.5500% | 5,106 |
| Tier 1 risk-based capital ratio | 11.9678% | 4,564 |
| Total risk-based capital ratio | 12.8103% | 4,725 |
| Memoranda: |
| Average total assets | $83,068,000 | 4,517 |
| Average earning assets | $78,464,000 | 4,483 |
| Average equity | $6,654,000 | 4,951 |
| Average total loans | $51,739,500 | 4,403 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4439% | 4,873 |
| Cost of funding earning assets | 0.1397% | 5,317 |
| Net interest margin | 3.3042% | 4,150 |
| Noninterest income to average assets | 0.2924% | 4,368 |
| Noninterest expense to average assets | 3.0343% | 2,059 |
| Loan and lease loss provision to assets | 0.0483% | 3,258 |
| Net operating income to assets | 0.3097% | 4,911 |
| Return on assets (ROA) | 0.3154% | 4,920 |
| Pretax return on assets | 0.3311% | 5,177 |
| Return on Equity (ROE) | 3.8242% | 4,553 |
| Retained earnings to average equity (ytd only) | 1.0403% | 4,615 |
| Net charge-offs to loans | 0.0169% | 3,534 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 38.6250% | 1,296 |
| Efficiency ratio | 89.0426% | 471 |
| Assets per employee ($millions) | 4.3906% | 3,357 |
| Cash dividends to net income (ytd only)* | 72.7969% | 1,125 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9490% | 4,214 |
| Loan loss allowance to noncurrent loans | 83.6207% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 0.6953% | 2,231 |
| Noncurrent loans to loans | 1.1349% | 1,562 |
| Net loans and leases to total assets | 60.6826% | 3,772 |
| Net loans and leases to deposits | 68.5341% | 3,986 |
| Net loans and leases to core deposits | 69.7033% | 4,195 |
| Total domestic deposits to total assets | 88.5437% | 1,228 |
| Equity capital to assets | 8.0531% | 5,374 |
| Core capital (leverage) ratio | 8.5270% | 5,112 |
| Tier 1 risk-based capital ratio | 12.0280% | 4,507 |
| Total risk-based capital ratio | 12.8552% | 4,673 |
| Memoranda: |
| Average total assets | $82,752,600 | 4,539 |
| Average earning assets | $78,021,600 | 4,496 |
| Average equity | $6,825,000 | 4,970 |
| Average total loans | $47,392,000 | 4,531 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4063% | 4,961 |
| Cost of funding earning assets | 0.1387% | 5,375 |
| Net interest margin | 3.2676% | 4,269 |
| Noninterest income to average assets | 0.3003% | 4,379 |
| Noninterest expense to average assets | 2.9835% | 2,152 |
| Loan and lease loss provision to assets | 0.0161% | 3,820 |
| Net operating income to assets | 0.3620% | 5,077 |
| Return on assets (ROA) | 0.3697% | 5,086 |
| Pretax return on assets | 0.3891% | 5,203 |
| Return on Equity (ROE) | 4.4562% | 4,724 |
| Retained earnings to average equity (ytd only) | 2.6075% | 4,326 |
| Net charge-offs to loans | 0.0258% | 2,925 |
| Credit loss provision to net charge-offs | 111.1111% | 2,127 |
| Earnings coverage of net charge-offs (x) | 27.3325% | 1,639 |
| Efficiency ratio | 88.2521% | 493 |
| Assets per employee ($millions) | 4.3277% | 3,428 |
| Cash dividends to net income (ytd only)* | 41.4830% | 2,205 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9697% | 4,236 |
| Loan loss allowance to noncurrent loans | 81.6547% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 0.6762% | 2,468 |
| Noncurrent loans to loans | 1.1875% | 1,616 |
| Net loans and leases to total assets | 56.3878% | 4,199 |
| Net loans and leases to deposits | 61.7407% | 4,534 |
| Net loans and leases to core deposits | 63.2931% | 4,637 |
| Total domestic deposits to total assets | 91.3301% | 125 |
| Equity capital to assets | 8.4607% | 5,309 |
| Core capital (leverage) ratio | 8.5599% | 5,199 |
| Tier 1 risk-based capital ratio | 13.1145% | 3,932 |
| Total risk-based capital ratio | 13.9513% | 4,099 |
| Memoranda: |
| Average total assets | $82,585,500 | 4,585 |
| Average earning assets | $77,854,000 | 4,541 |
| Average equity | $6,851,750 | 5,023 |
| Average total loans | $46,463,250 | 4,594 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3778% | 4,992 |
| Cost of funding earning assets | 0.1410% | 5,390 |
| Net interest margin | 3.2369% | 4,305 |
| Noninterest income to average assets | 0.2926% | 4,459 |
| Noninterest expense to average assets | 2.9768% | 2,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3506% | 5,096 |
| Return on assets (ROA) | 0.3506% | 5,118 |
| Pretax return on assets | 0.3700% | 5,233 |
| Return on Equity (ROE) | 4.2543% | 4,750 |
| Retained earnings to average equity (ytd only) | 2.4939% | 4,197 |
| Net charge-offs to loans | 0.0086% | 3,150 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 76.5000% | 792 |
| Efficiency ratio | 88.9451% | 507 |
| Assets per employee ($millions) | 4.1003% | 3,788 |
| Cash dividends to net income (ytd only)* | 41.3793% | 2,267 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9808% | 4,260 |
| Loan loss allowance to noncurrent loans | 81.1151% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 0.6780% | 2,512 |
| Noncurrent loans to loans | 1.2092% | 1,613 |
| Net loans and leases to total assets | 55.5222% | 4,268 |
| Net loans and leases to deposits | 60.7874% | 4,575 |
| Net loans and leases to core deposits | 62.3149% | 4,702 |
| Total domestic deposits to total assets | 91.3383% | 148 |
| Equity capital to assets | 8.4873% | 5,311 |
| Core capital (leverage) ratio | 8.5224% | 5,199 |
| Tier 1 risk-based capital ratio | 13.2334% | 3,852 |
| Total risk-based capital ratio | 14.0781% | 4,014 |
| Memoranda: |
| Average total assets | $82,705,000 | 4,615 |
| Average earning assets | $78,038,330 | 4,564 |
| Average equity | $6,816,670 | 5,051 |
| Average total loans | $46,344,330 | 4,625 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2928% | 5,117 |
| Cost of funding earning assets | 0.1378% | 5,450 |
| Net interest margin | 3.1550% | 4,486 |
| Noninterest income to average assets | 0.2553% | 4,712 |
| Noninterest expense to average assets | 2.9474% | 2,307 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2697% | 5,266 |
| Return on assets (ROA) | 0.2697% | 5,282 |
| Pretax return on assets | 0.2841% | 5,335 |
| Return on Equity (ROE) | 3.3210% | 5,015 |
| Retained earnings to average equity (ytd only) | 3.3210% | 3,775 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2072% | 494 |
| Assets per employee ($millions) | 4.3987% | 3,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9802% | 4,394 |
| Loan loss allowance to noncurrent loans | 80.7487% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.6713% | 2,616 |
| Noncurrent loans to loans | 1.2139% | 1,673 |
| Net loans and leases to total assets | 54.7544% | 4,277 |
| Net loans and leases to deposits | 59.7098% | 4,584 |
| Net loans and leases to core deposits | 60.9261% | 4,728 |
| Total domestic deposits to total assets | 91.7009% | 146 |
| Equity capital to assets | 8.1615% | 5,439 |
| Core capital (leverage) ratio | 8.6093% | 5,148 |
| Tier 1 risk-based capital ratio | 13.2491% | 3,909 |
| Total risk-based capital ratio | 14.1020% | 4,070 |
| Memoranda: |
| Average total assets | $83,055,000 | 4,656 |
| Average earning assets | $78,352,000 | 4,604 |
| Average equity | $6,745,000 | 5,114 |
| Average total loans | $46,525,500 | 4,662 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4593% | 4,874 |
| Cost of funding earning assets | 0.1380% | 5,499 |
| Net interest margin | 3.3214% | 4,078 |
| Noninterest income to average assets | 0.3212% | 4,445 |
| Noninterest expense to average assets | 3.1405% | 1,922 |
| Loan and lease loss provision to assets | 0.0306% | 3,741 |
| Net operating income to assets | 0.2648% | 5,292 |
| Return on assets (ROA) | 0.2648% | 5,360 |
| Pretax return on assets | 0.2783% | 5,393 |
| Return on Equity (ROE) | 3.0903% | 5,131 |
| Retained earnings to average equity (ytd only) | 0.2289% | 5,227 |
| Net charge-offs to loans | 0.2979% | 929 |
| Credit loss provision to net charge-offs | 17.6056% | 3,691 |
| Earnings coverage of net charge-offs (x) | 1.7746% | 3,944 |
| Efficiency ratio | 91.0448% | 500 |
| Assets per employee ($millions) | 4.3439% | 3,373 |
| Cash dividends to net income (ytd only)* | 92.5926% | 513 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9672% | 4,490 |
| Loan loss allowance to noncurrent loans | 100.8909% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 0.5440% | 3,106 |
| Noncurrent loans to loans | 0.9586% | 2,167 |
| Net loans and leases to total assets | 56.1992% | 4,249 |
| Net loans and leases to deposits | 61.2209% | 4,596 |
| Net loans and leases to core deposits | 62.4776% | 4,726 |
| Total domestic deposits to total assets | 91.7974% | 127 |
| Equity capital to assets | 8.0802% | 5,525 |
| Core capital (leverage) ratio | 8.7303% | 5,041 |
| Tier 1 risk-based capital ratio | 12.6246% | 4,308 |
| Total risk-based capital ratio | 13.4438% | 4,463 |
| Memoranda: |
| Average total assets | $81,580,200 | 4,704 |
| Average earning assets | $76,835,400 | 4,653 |
| Average equity | $6,989,600 | 5,091 |
| Average total loans | $47,672,000 | 4,647 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4984% | 4,804 |
| Cost of funding earning assets | 0.1408% | 5,541 |
| Net interest margin | 3.3576% | 4,009 |
| Noninterest income to average assets | 0.3098% | 4,555 |
| Noninterest expense to average assets | 3.0570% | 2,135 |
| Loan and lease loss provision to assets | 0.0328% | 3,574 |
| Net operating income to assets | 0.3655% | 5,129 |
| Return on assets (ROA) | 0.3655% | 5,212 |
| Pretax return on assets | 0.3852% | 5,334 |
| Return on Equity (ROE) | 4.2057% | 4,829 |
| Retained earnings to average equity (ytd only) | 2.3197% | 4,536 |
| Net charge-offs to loans | 0.2534% | 925 |
| Credit loss provision to net charge-offs | 21.9780% | 3,281 |
| Earnings coverage of net charge-offs (x) | 2.8022% | 3,519 |
| Efficiency ratio | 87.9717% | 676 |
| Assets per employee ($millions) | 4.2446% | 3,520 |
| Cash dividends to net income (ytd only)* | 44.8424% | 2,131 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0733% | 3,997 |
| Loan loss allowance to noncurrent loans | 98.0315% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 0.6299% | 3,020 |
| Noncurrent loans to loans | 1.0949% | 2,067 |
| Net loans and leases to total assets | 56.9159% | 4,206 |
| Net loans and leases to deposits | 62.6216% | 4,589 |
| Net loans and leases to core deposits | 63.9477% | 4,728 |
| Total domestic deposits to total assets | 90.8887% | 213 |
| Equity capital to assets | 8.9154% | 5,234 |
| Core capital (leverage) ratio | 8.7132% | 5,146 |
| Tier 1 risk-based capital ratio | 13.2434% | 4,009 |
| Total risk-based capital ratio | 14.1739% | 4,120 |
| Memoranda: |
| Average total assets | $81,341,500 | 4,751 |
| Average earning assets | $76,680,750 | 4,694 |
| Average equity | $7,069,750 | 5,126 |
| Average total loans | $47,880,750 | 4,673 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5099% | 4,839 |
| Cost of funding earning assets | 0.1349% | 5,647 |
| Net interest margin | 3.3750% | 3,982 |
| Noninterest income to average assets | 0.2942% | 4,673 |
| Noninterest expense to average assets | 3.0157% | 2,294 |
| Loan and lease loss provision to assets | 0.0490% | 3,169 |
| Net operating income to assets | 0.3972% | 5,042 |
| Return on assets (ROA) | 0.3972% | 5,121 |
| Pretax return on assets | 0.4193% | 5,310 |
| Return on Equity (ROE) | 4.6090% | 4,674 |
| Retained earnings to average equity (ytd only) | 2.9020% | 4,061 |
| Net charge-offs to loans | 0.3432% | 685 |
| Credit loss provision to net charge-offs | 24.0964% | 2,906 |
| Earnings coverage of net charge-offs (x) | 2.3012% | 3,294 |
| Efficiency ratio | 86.5588% | 828 |
| Assets per employee ($millions) | 4.3475% | 3,301 |
| Cash dividends to net income (ytd only)* | 37.0370% | 2,556 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0552% | 4,194 |
| Loan loss allowance to noncurrent loans | 159.4340% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.3850% | 3,950 |
| Noncurrent loans to loans | 0.6618% | 3,088 |
| Net loans and leases to total assets | 57.5560% | 4,161 |
| Net loans and leases to deposits | 63.1205% | 4,559 |
| Net loans and leases to core deposits | 64.4153% | 4,714 |
| Total domestic deposits to total assets | 91.1843% | 159 |
| Equity capital to assets | 8.6462% | 5,514 |
| Core capital (leverage) ratio | 8.7207% | 5,146 |
| Tier 1 risk-based capital ratio | 13.1826% | 4,084 |
| Total risk-based capital ratio | 14.1285% | 4,184 |
| Memoranda: |
| Average total assets | $81,573,000 | 4,781 |
| Average earning assets | $77,095,330 | 4,726 |
| Average equity | $7,029,670 | 5,186 |
| Average total loans | $48,374,670 | 4,703 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5143% | 4,855 |
| Cost of funding earning assets | 0.1358% | 5,710 |
| Net interest margin | 3.3785% | 3,945 |
| Noninterest income to average assets | 0.2763% | 4,746 |
| Noninterest expense to average assets | 2.9411% | 2,569 |
| Loan and lease loss provision to assets | 0.0987% | 2,049 |
| Net operating income to assets | 0.4096% | 4,966 |
| Return on assets (ROA) | 0.4096% | 5,043 |
| Pretax return on assets | 0.4293% | 5,245 |
| Return on Equity (ROE) | 4.7609% | 4,598 |
| Retained earnings to average equity (ytd only) | 4.7609% | 3,085 |
| Net charge-offs to loans | 0.6758% | 318 |
| Credit loss provision to net charge-offs | 24.3902% | 2,267 |
| Earnings coverage of net charge-offs (x) | 1.3049% | 2,836 |
| Efficiency ratio | 84.7795% | 1,087 |
| Assets per employee ($millions) | 4.3050% | 3,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0479% | 4,345 |
| Loan loss allowance to noncurrent loans | 159.7484% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.3888% | 4,032 |
| Noncurrent loans to loans | 0.6560% | 3,204 |
| Net loans and leases to total assets | 58.6442% | 3,970 |
| Net loans and leases to deposits | 64.2951% | 4,416 |
| Net loans and leases to core deposits | 65.6224% | 4,558 |
| Total domestic deposits to total assets | 91.2110% | 215 |
| Equity capital to assets | 8.6521% | 5,457 |
| Core capital (leverage) ratio | 8.7756% | 5,096 |
| Tier 1 risk-based capital ratio | 13.3414% | 4,074 |
| Total risk-based capital ratio | 14.3030% | 4,146 |
| Memoranda: |
| Average total assets | $81,058,000 | 4,837 |
| Average earning assets | $76,601,500 | 4,782 |
| Average equity | $6,973,500 | 5,238 |
| Average total loans | $48,537,000 | 4,721 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5150% | 4,883 |
| Cost of funding earning assets | 0.1421% | 5,737 |
| Net interest margin | 3.3730% | 4,022 |
| Noninterest income to average assets | 0.3245% | 4,574 |
| Noninterest expense to average assets | 3.0484% | 2,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4159% | 5,002 |
| Return on assets (ROA) | 0.4196% | 5,069 |
| Pretax return on assets | 0.4398% | 5,248 |
| Return on Equity (ROE) | 4.7684% | 4,621 |
| Retained earnings to average equity (ytd only) | 0.6195% | 5,270 |
| Net charge-offs to loans | 0.0088% | 4,150 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 656 |
| Efficiency ratio | 87.4864% | 869 |
| Assets per employee ($millions) | 4.2274% | 3,526 |
| Cash dividends to net income (ytd only)* | 87.0091% | 680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1729% | 3,628 |
| 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 | 59.7951% | 3,867 |
| Net loans and leases to deposits | 65.5315% | 4,352 |
| Net loans and leases to core deposits | 66.6278% | 4,537 |
| Total domestic deposits to total assets | 91.2464% | 226 |
| Equity capital to assets | 8.5532% | 5,516 |
| Core capital (leverage) ratio | 8.7806% | 5,130 |
| Tier 1 risk-based capital ratio | 13.4960% | 4,010 |
| Total risk-based capital ratio | 14.6004% | 4,028 |
| Memoranda: |
| Average total assets | $78,892,600 | 4,896 |
| Average earning assets | $73,911,200 | 4,859 |
| Average equity | $6,941,600 | 5,252 |
| Average total loans | $45,570,200 | 4,812 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5034% | 4,978 |
| Cost of funding earning assets | 0.1452% | 5,818 |
| Net interest margin | 3.3581% | 4,113 |
| Noninterest income to average assets | 0.3209% | 4,647 |
| Noninterest expense to average assets | 2.9710% | 2,609 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4654% | 4,914 |
| Return on assets (ROA) | 0.4703% | 4,996 |
| Pretax return on assets | 0.4957% | 5,230 |
| Return on Equity (ROE) | 5.3067% | 4,485 |
| Retained earnings to average equity (ytd only) | 3.1035% | 4,245 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8264% | 1,014 |
| Assets per employee ($millions) | 4.1767% | 3,570 |
| Cash dividends to net income (ytd only)* | 41.5168% | 2,243 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2714% | 3,250 |
| 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 | 56.1664% | 4,336 |
| Net loans and leases to deposits | 61.8652% | 4,727 |
| Net loans and leases to core deposits | 62.9157% | 4,872 |
| Total domestic deposits to total assets | 90.7885% | 309 |
| Equity capital to assets | 8.9872% | 5,315 |
| Core capital (leverage) ratio | 9.0201% | 4,970 |
| Tier 1 risk-based capital ratio | 14.0141% | 3,838 |
| Total risk-based capital ratio | 15.1497% | 3,845 |
| Memoranda: |
| Average total assets | $78,535,500 | 4,958 |
| Average earning assets | $73,451,500 | 4,926 |
| Average equity | $6,959,500 | 5,315 |
| Average total loans | $44,813,250 | 4,887 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4851% | 5,027 |
| Cost of funding earning assets | 0.1476% | 5,866 |
| Net interest margin | 3.3375% | 4,149 |
| Noninterest income to average assets | 0.2888% | 4,900 |
| Noninterest expense to average assets | 2.9210% | 2,815 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4629% | 4,930 |
| Return on assets (ROA) | 0.4702% | 4,988 |
| Pretax return on assets | 0.4958% | 5,237 |
| Return on Equity (ROE) | 5.3318% | 4,462 |
| Retained earnings to average equity (ytd only) | 3.4483% | 3,852 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6822% | 1,082 |
| Assets per employee ($millions) | 4.1990% | 3,472 |
| Cash dividends to net income (ytd only)* | 35.3261% | 2,607 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2897% | 3,301 |
| Loan loss allowance to noncurrent loans | 358.7500% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 5,072 |
| Noncurrent loans to loans | 0.3595% | 4,419 |
| Net loans and leases to total assets | 55.0645% | 4,449 |
| Net loans and leases to deposits | 60.4186% | 4,819 |
| Net loans and leases to core deposits | 61.4316% | 4,980 |
| Total domestic deposits to total assets | 91.1382% | 269 |
| Equity capital to assets | 8.6612% | 5,554 |
| Core capital (leverage) ratio | 9.0042% | 4,962 |
| Tier 1 risk-based capital ratio | 14.7830% | 3,484 |
| Total risk-based capital ratio | 15.9882% | 3,434 |
| Memoranda: |
| Average total assets | $78,261,670 | 5,014 |
| Average earning assets | $73,169,000 | 4,976 |
| Average equity | $6,902,000 | 5,377 |
| Average total loans | $44,702,330 | 4,925 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4675% | 5,042 |
| Cost of funding earning assets | 0.1488% | 5,936 |
| Net interest margin | 3.3187% | 4,139 |
| Noninterest income to average assets | 0.2735% | 4,989 |
| Noninterest expense to average assets | 3.0554% | 2,415 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3097% | 5,379 |
| Return on assets (ROA) | 0.3097% | 5,482 |
| Pretax return on assets | 0.3252% | 5,589 |
| Return on Equity (ROE) | 3.4793% | 5,184 |
| Retained earnings to average equity (ytd only) | 3.4793% | 3,907 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3817% | 825 |
| Assets per employee ($millions) | 4.0965% | 3,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3024% | 3,385 |
| 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 | 55.8863% | 4,215 |
| Net loans and leases to deposits | 61.4934% | 4,624 |
| Net loans and leases to core deposits | 62.5510% | 4,810 |
| Total domestic deposits to total assets | 90.8818% | 406 |
| Equity capital to assets | 8.9628% | 5,337 |
| Core capital (leverage) ratio | 8.9185% | 5,052 |
| Tier 1 risk-based capital ratio | 14.9437% | 3,460 |
| Total risk-based capital ratio | 16.1723% | 3,409 |
| Memoranda: |
| Average total assets | $77,502,000 | 5,081 |
| Average earning assets | $72,559,500 | 5,043 |
| Average equity | $6,898,000 | 5,426 |
| Average total loans | $44,801,000 | 4,958 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4936% | 5,330 |
| Cost of funding earning assets | 0.1703% | 5,980 |
| Net interest margin | 3.3234% | 4,498 |
| Noninterest income to average assets | 0.3664% | 4,465 |
| Noninterest expense to average assets | 3.0328% | 2,746 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4344% | 5,093 |
| Return on assets (ROA) | 0.4369% | 5,175 |
| Pretax return on assets | 0.4570% | 5,368 |
| Return on Equity (ROE) | 5.0755% | 4,622 |
| Retained earnings to average equity (ytd only) | 0.8484% | 5,392 |
| Net charge-offs to loans | 0.0218% | 4,405 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 36.1000% | 1,172 |
| Efficiency ratio | 86.9675% | 1,080 |
| Assets per employee ($millions) | 4.0616% | 3,801 |
| Cash dividends to net income (ytd only)* | 83.2853% | 785 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2607% | 3,660 |
| 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 | 58.2550% | 4,020 |
| Net loans and leases to deposits | 64.0125% | 4,526 |
| Net loans and leases to core deposits | 65.1178% | 4,741 |
| Total domestic deposits to total assets | 91.0057% | 364 |
| Equity capital to assets | 8.8375% | 5,440 |
| Core capital (leverage) ratio | 8.7413% | 5,304 |
| Tier 1 risk-based capital ratio | 14.0369% | 4,062 |
| Total risk-based capital ratio | 15.2009% | 4,058 |
| Memoranda: |
| Average total assets | $79,431,200 | 5,076 |
| Average earning assets | $74,592,600 | 5,027 |
| Average equity | $6,836,800 | 5,453 |
| Average total loans | $45,815,800 | 4,965 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4666% | 5,457 |
| Cost of funding earning assets | 0.1701% | 6,059 |
| Net interest margin | 3.2965% | 4,618 |
| Noninterest income to average assets | 0.3683% | 4,480 |
| Noninterest expense to average assets | 3.0001% | 2,801 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4450% | 5,094 |
| Return on assets (ROA) | 0.4450% | 5,170 |
| Pretax return on assets | 0.4683% | 5,412 |
| Return on Equity (ROE) | 5.2038% | 4,625 |
| Retained earnings to average equity (ytd only) | 2.4752% | 4,811 |
| Net charge-offs to loans | 0.0262% | 3,983 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 31.2217% | 1,337 |
| Efficiency ratio | 86.4969% | 1,137 |
| Assets per employee ($millions) | 4.1053% | 3,659 |
| Cash dividends to net income (ytd only)* | 52.4341% | 1,721 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2451% | 3,985 |
| Loan loss allowance to noncurrent loans | 9,583.3333% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 6,170 |
| Noncurrent loans to loans | 0.0130% | 5,982 |
| Net loans and leases to total assets | 58.4698% | 4,007 |
| Net loans and leases to deposits | 64.2705% | 4,508 |
| Net loans and leases to core deposits | 64.8407% | 4,811 |
| Total domestic deposits to total assets | 90.9745% | 372 |
| Equity capital to assets | 8.8345% | 5,519 |
| Core capital (leverage) ratio | 8.7392% | 5,397 |
| Tier 1 risk-based capital ratio | 14.0258% | 4,196 |
| Total risk-based capital ratio | 15.1794% | 4,213 |
| Memoranda: |
| Average total assets | $79,996,250 | 5,125 |
| Average earning assets | $75,230,250 | 5,059 |
| Average equity | $6,841,000 | 5,505 |
| Average total loans | $45,887,250 | 5,002 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4355% | 5,552 |
| Cost of funding earning assets | 0.1767% | 6,097 |
| Net interest margin | 3.2588% | 4,746 |
| Noninterest income to average assets | 0.3595% | 4,544 |
| Noninterest expense to average assets | 3.0176% | 2,770 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3868% | 5,276 |
| Return on assets (ROA) | 0.3868% | 5,344 |
| Pretax return on assets | 0.4066% | 5,543 |
| Return on Equity (ROE) | 4.5719% | 4,879 |
| Retained earnings to average equity (ytd only) | 1.9343% | 4,913 |
| Net charge-offs to loans | 0.0044% | 4,231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 164.0000% | 379 |
| Efficiency ratio | 88.1245% | 1,077 |
| Assets per employee ($millions) | 4.2181% | 3,426 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,616 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2892% | 3,909 |
| Loan loss allowance to noncurrent loans | 325.6983% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.2233% | 5,436 |
| Noncurrent loans to loans | 0.3958% | 4,805 |
| Net loans and leases to total assets | 55.6985% | 4,324 |
| Net loans and leases to deposits | 61.0949% | 4,776 |
| Net loans and leases to core deposits | 62.1038% | 4,962 |
| Total domestic deposits to total assets | 91.1671% | 358 |
| Equity capital to assets | 8.6544% | 5,657 |
| Core capital (leverage) ratio | 8.6773% | 5,438 |
| Tier 1 risk-based capital ratio | 14.0899% | 4,205 |
| Total risk-based capital ratio | 15.2753% | 4,180 |
| Memoranda: |
| Average total assets | $80,661,330 | 5,146 |
| Average earning assets | $75,855,330 | 5,077 |
| Average equity | $6,824,330 | 5,534 |
| Average total loans | $45,789,000 | 5,039 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4101% | 5,625 |
| Cost of funding earning assets | 0.1789% | 6,177 |
| Net interest margin | 3.2311% | 4,813 |
| Noninterest income to average assets | 0.3015% | 4,943 |
| Noninterest expense to average assets | 3.1241% | 2,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1977% | 5,809 |
| Return on assets (ROA) | 0.1977% | 5,856 |
| Pretax return on assets | 0.2126% | 5,902 |
| Return on Equity (ROE) | 2.3639% | 5,685 |
| Retained earnings to average equity (ytd only) | 2.3639% | 4,654 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6296% | 771 |
| Assets per employee ($millions) | 4.0716% | 3,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2823% | 4,215 |
| Loan loss allowance to noncurrent loans | 341.5205% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 5,584 |
| Noncurrent loans to loans | 0.3755% | 5,000 |
| Net loans and leases to total assets | 55.2117% | 4,255 |
| Net loans and leases to deposits | 60.3514% | 4,728 |
| Net loans and leases to core deposits | 61.3269% | 4,937 |
| Total domestic deposits to total assets | 91.4837% | 382 |
| Equity capital to assets | 8.3567% | 5,779 |
| Core capital (leverage) ratio | 8.6643% | 5,436 |
| Tier 1 risk-based capital ratio | 13.8621% | 4,421 |
| Total risk-based capital ratio | 15.0346% | 4,438 |
| Memoranda: |
| Average total assets | $80,920,000 | 5,189 |
| Average earning assets | $76,010,500 | 5,113 |
| Average equity | $6,768,500 | 5,576 |
| Average total loans | $46,072,500 | 5,077 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5902% | 5,431 |
| Cost of funding earning assets | 0.2364% | 6,054 |
| Net interest margin | 3.3538% | 4,468 |
| Noninterest income to average assets | 0.3930% | 4,501 |
| Noninterest expense to average assets | 3.1656% | 2,532 |
| Loan and lease loss provision to assets | -0.1268% | 6,518 |
| Net operating income to assets | 0.4540% | 4,936 |
| Return on assets (ROA) | 0.4767% | 4,980 |
| Pretax return on assets | 0.5084% | 5,184 |
| Return on Equity (ROE) | 5.5156% | 4,384 |
| Retained earnings to average equity (ytd only) | 0.8215% | 5,467 |
| Net charge-offs to loans | -0.4666% | 6,720 |
| Credit loss provision to net charge-offs | 50.2513% | 3,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8525% | 1,034 |
| Assets per employee ($millions) | 4.0204% | 3,828 |
| Cash dividends to net income (ytd only)* | 85.1064% | 768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2532% | 4,373 |
| Loan loss allowance to noncurrent loans | 333.7143% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 5,630 |
| Noncurrent loans to loans | 0.3755% | 5,066 |
| Net loans and leases to total assets | 57.2294% | 4,160 |
| Net loans and leases to deposits | 62.5707% | 4,666 |
| Net loans and leases to core deposits | 63.5928% | 4,907 |
| Total domestic deposits to total assets | 91.4635% | 415 |
| Equity capital to assets | 8.3723% | 5,719 |
| Core capital (leverage) ratio | 8.6994% | 5,418 |
| Tier 1 risk-based capital ratio | 13.7770% | 4,455 |
| Total risk-based capital ratio | 14.9492% | 4,469 |
| Memoranda: |
| Average total assets | $78,879,400 | 5,265 |
| Average earning assets | $73,617,000 | 5,203 |
| Average equity | $6,817,000 | 5,616 |
| Average total loans | $42,647,400 | 5,244 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6074% | 5,424 |
| Cost of funding earning assets | 0.2479% | 6,106 |
| Net interest margin | 3.3595% | 4,433 |
| Noninterest income to average assets | 0.3890% | 4,612 |
| Noninterest expense to average assets | 3.0981% | 2,656 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3996% | 5,246 |
| Return on assets (ROA) | 0.4076% | 5,357 |
| Pretax return on assets | 0.4297% | 5,552 |
| Return on Equity (ROE) | 4.6794% | 4,890 |
| Retained earnings to average equity (ytd only) | 2.3398% | 4,925 |
| Net charge-offs to loans | -0.6369% | 6,802 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0309% | 1,172 |
| Assets per employee ($millions) | 3.6890% | 4,473 |
| Cash dividends to net income (ytd only)* | 50.0016% | 1,865 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5675% | 3,151 |
| Loan loss allowance to noncurrent loans | 102.5487% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.8610% | 3,961 |
| Noncurrent loans to loans | 1.5285% | 2,873 |
| Net loans and leases to total assets | 55.4447% | 4,402 |
| Net loans and leases to deposits | 60.9297% | 4,871 |
| Net loans and leases to core deposits | 61.9669% | 5,118 |
| Total domestic deposits to total assets | 90.9978% | 535 |
| Equity capital to assets | 8.8060% | 5,419 |
| Core capital (leverage) ratio | 8.8245% | 5,374 |
| Tier 1 risk-based capital ratio | 14.5376% | 4,053 |
| Total risk-based capital ratio | 15.7905% | 4,003 |
| Memoranda: |
| Average total assets | $78,497,250 | 5,327 |
| Average earning assets | $73,144,500 | 5,269 |
| Average equity | $6,838,250 | 5,685 |
| Average total loans | $41,659,000 | 5,329 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6058% | 5,415 |
| Cost of funding earning assets | 0.2616% | 6,094 |
| Net interest margin | 3.3442% | 4,406 |
| Noninterest income to average assets | 0.3729% | 4,728 |
| Noninterest expense to average assets | 3.0568% | 2,808 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4059% | 5,194 |
| Return on assets (ROA) | 0.4059% | 5,361 |
| Pretax return on assets | 0.4287% | 5,579 |
| Return on Equity (ROE) | 4.6759% | 4,906 |
| Retained earnings to average equity (ytd only) | 2.3379% | 4,804 |
| Net charge-offs to loans | -0.9756% | 6,865 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7001% | 1,251 |
| Assets per employee ($millions) | 3.7820% | 4,250 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,874 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6549% | 2,963 |
| Loan loss allowance to noncurrent loans | 378.4530% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 5,800 |
| Noncurrent loans to loans | 0.4373% | 5,171 |
| Net loans and leases to total assets | 51.2534% | 4,960 |
| Net loans and leases to deposits | 56.1857% | 5,318 |
| Net loans and leases to core deposits | 57.1128% | 5,512 |
| Total domestic deposits to total assets | 91.2215% | 471 |
| Equity capital to assets | 8.3240% | 5,947 |
| Core capital (leverage) ratio | 8.7783% | 5,318 |
| Tier 1 risk-based capital ratio | 14.9975% | 3,777 |
| Total risk-based capital ratio | 16.2496% | 3,741 |
| Memoranda: |
| Average total assets | $78,839,670 | 5,347 |
| Average earning assets | $73,381,330 | 5,291 |
| Average equity | $6,843,670 | 5,726 |
| Average total loans | $40,999,670 | 5,376 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6176% | 5,399 |
| Cost of funding earning assets | 0.2682% | 6,173 |
| Net interest margin | 3.3494% | 4,317 |
| Noninterest income to average assets | 0.3514% | 4,866 |
| Noninterest expense to average assets | 3.1318% | 2,574 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3157% | 5,511 |
| Return on assets (ROA) | 0.3157% | 5,640 |
| Pretax return on assets | 0.3361% | 5,759 |
| Return on Equity (ROE) | 3.5632% | 5,308 |
| Retained earnings to average equity (ytd only) | 3.5632% | 4,101 |
| Net charge-offs to loans | -1.9606% | 6,955 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3084% | 1,120 |
| Assets per employee ($millions) | 3.9154% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7049% | 2,990 |
| Loan loss allowance to noncurrent loans | 286.6109% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.3052% | 5,660 |
| Noncurrent loans to loans | 0.5948% | 4,952 |
| Net loans and leases to total assets | 50.4348% | 4,927 |
| Net loans and leases to deposits | 55.6199% | 5,286 |
| Net loans and leases to core deposits | 56.1026% | 5,512 |
| Total domestic deposits to total assets | 90.6777% | 682 |
| Equity capital to assets | 8.9072% | 5,608 |
| Core capital (leverage) ratio | 8.8199% | 5,155 |
| Tier 1 risk-based capital ratio | 15.3501% | 3,621 |
| Total risk-based capital ratio | 16.6037% | 3,574 |
| Memoranda: |
| Average total assets | $78,549,000 | 5,400 |
| Average earning assets | $73,087,500 | 5,348 |
| Average equity | $6,960,000 | 5,750 |
| Average total loans | $40,804,000 | 5,429 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7552% | 5,937 |
| Cost of funding earning assets | 0.3164% | 6,376 |
| Net interest margin | 3.4389% | 4,750 |
| Noninterest income to average assets | 0.3631% | 4,885 |
| Noninterest expense to average assets | 3.0496% | 3,095 |
| Loan and lease loss provision to assets | 0.0460% | 5,264 |
| Net operating income to assets | 0.4389% | 4,929 |
| Return on assets (ROA) | 0.4833% | 5,004 |
| Pretax return on assets | 0.5115% | 5,249 |
| Return on Equity (ROE) | 5.3681% | 4,491 |
| Retained earnings to average equity (ytd only) | 1.9598% | 4,842 |
| Net charge-offs to loans | 0.0127% | 5,739 |
| Credit loss provision to net charge-offs | 720.0000% | 343 |
| Earnings coverage of net charge-offs (x) | 79.8000% | 474 |
| Efficiency ratio | 85.6681% | 1,460 |
| Assets per employee ($millions) | 3.7520% | 4,466 |
| Cash dividends to net income (ytd only)* | 63.4921% | 1,624 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1707% | 5,257 |
| Loan loss allowance to noncurrent loans | 202.0833% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 5,763 |
| Noncurrent loans to loans | 0.5793% | 5,079 |
| Net loans and leases to total assets | 51.9653% | 4,935 |
| Net loans and leases to deposits | 57.2852% | 5,313 |
| Net loans and leases to core deposits | 57.7783% | 5,570 |
| Total domestic deposits to total assets | 90.7134% | 608 |
| Equity capital to assets | 8.8145% | 5,732 |
| Core capital (leverage) ratio | 8.7048% | 5,323 |
| Tier 1 risk-based capital ratio | 14.9564% | 3,739 |
| Total risk-based capital ratio | 16.0219% | 3,804 |
| Memoranda: |
| Average total assets | $78,206,600 | 5,402 |
| Average earning assets | $72,698,600 | 5,349 |
| Average equity | $7,041,600 | 5,754 |
| Average total loans | $39,348,200 | 5,536 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7693% | 6,090 |
| Cost of funding earning assets | 0.3246% | 6,490 |
| Net interest margin | 3.4446% | 4,861 |
| Noninterest income to average assets | 0.3621% | 4,925 |
| Noninterest expense to average assets | 2.9805% | 3,304 |
| Loan and lease loss provision to assets | 0.0342% | 5,346 |
| Net operating income to assets | 0.5247% | 4,733 |
| Return on assets (ROA) | 0.5841% | 4,738 |
| Pretax return on assets | 0.6183% | 5,111 |
| Return on Equity (ROE) | 6.4535% | 4,092 |
| Retained earnings to average equity (ytd only) | 5.3213% | 3,140 |
| Net charge-offs to loans | 0.0172% | 5,439 |
| Credit loss provision to net charge-offs | 400.0000% | 672 |
| Earnings coverage of net charge-offs (x) | 68.9640% | 592 |
| Efficiency ratio | 83.4928% | 1,645 |
| Assets per employee ($millions) | 3.5136% | 4,947 |
| Cash dividends to net income (ytd only)* | 17.5442% | 3,157 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2098% | 5,238 |
| Loan loss allowance to noncurrent loans | 191.4286% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.3389% | 5,840 |
| Noncurrent loans to loans | 0.6320% | 5,178 |
| Net loans and leases to total assets | 49.5440% | 5,365 |
| Net loans and leases to deposits | 54.9549% | 5,721 |
| Net loans and leases to core deposits | 55.4386% | 5,930 |
| Total domestic deposits to total assets | 90.1538% | 765 |
| Equity capital to assets | 9.3636% | 5,391 |
| Core capital (leverage) ratio | 9.5371% | 4,214 |
| Tier 1 risk-based capital ratio | 16.0336% | 3,246 |
| Total risk-based capital ratio | 17.1152% | 3,314 |
| Memoranda: |
| Average total assets | $78,060,500 | 5,459 |
| Average earning assets | $72,691,250 | 5,409 |
| Average equity | $7,065,750 | 5,807 |
| Average total loans | $38,828,000 | 5,621 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7049% | 6,326 |
| Cost of funding earning assets | 0.3341% | 6,581 |
| Net interest margin | 3.3708% | 5,204 |
| Noninterest income to average assets | 0.3601% | 4,958 |
| Noninterest expense to average assets | 2.9062% | 3,591 |
| Loan and lease loss provision to assets | 0.0511% | 5,029 |
| Net operating income to assets | 0.5164% | 4,738 |
| Return on assets (ROA) | 0.5644% | 4,801 |
| Pretax return on assets | 0.5976% | 5,143 |
| Return on Equity (ROE) | 6.3068% | 4,154 |
| Retained earnings to average equity (ytd only) | 5.4507% | 3,018 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9446% | 1,755 |
| Assets per employee ($millions) | 3.5058% | 4,967 |
| Cash dividends to net income (ytd only)* | 13.5747% | 3,206 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2022% | 5,339 |
| Loan loss allowance to noncurrent loans | 190.3614% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.4849% | 5,547 |
| Noncurrent loans to loans | 0.6315% | 5,244 |
| Net loans and leases to total assets | 50.5044% | 5,294 |
| Net loans and leases to deposits | 55.8218% | 5,672 |
| Net loans and leases to core deposits | 56.3108% | 5,918 |
| Total domestic deposits to total assets | 90.4743% | 683 |
| Equity capital to assets | 9.0486% | 5,650 |
| Core capital (leverage) ratio | 9.4789% | 4,166 |
| Tier 1 risk-based capital ratio | 15.0738% | 3,724 |
| Total risk-based capital ratio | 16.1152% | 3,811 |
| Memoranda: |
| Average total assets | $78,314,330 | 5,487 |
| Average earning assets | $73,039,000 | 5,429 |
| Average equity | $7,008,330 | 5,846 |
| Average total loans | $38,848,670 | 5,652 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6496% | 6,507 |
| Cost of funding earning assets | 0.3367% | 6,697 |
| Net interest margin | 3.3129% | 5,427 |
| Noninterest income to average assets | 0.3802% | 4,820 |
| Noninterest expense to average assets | 3.0010% | 3,246 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4461% | 5,054 |
| Return on assets (ROA) | 0.4461% | 5,247 |
| Pretax return on assets | 0.4714% | 5,521 |
| Return on Equity (ROE) | 5.0121% | 4,778 |
| Retained earnings to average equity (ytd only) | 5.0121% | 3,550 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4234% | 1,439 |
| Assets per employee ($millions) | 3.6192% | 4,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1943% | 5,513 |
| Loan loss allowance to noncurrent loans | 179.4466% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.4747% | 5,674 |
| Noncurrent loans to loans | 0.6655% | 5,319 |
| Net loans and leases to total assets | 47.1741% | 5,657 |
| Net loans and leases to deposits | 52.0243% | 5,965 |
| Net loans and leases to core deposits | 52.4624% | 6,167 |
| Total domestic deposits to total assets | 90.6772% | 703 |
| Equity capital to assets | 8.8757% | 5,666 |
| Core capital (leverage) ratio | 9.4463% | 4,123 |
| Tier 1 risk-based capital ratio | 16.0580% | 3,146 |
| Total risk-based capital ratio | 17.1367% | 3,200 |
| Memoranda: |
| Average total assets | $78,907,500 | 5,516 |
| Average earning assets | $73,652,500 | 5,448 |
| Average equity | $7,023,000 | 5,867 |
| Average total loans | $38,559,500 | 5,706 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0969% | 6,286 |
| Cost of funding earning assets | 0.4968% | 6,547 |
| Net interest margin | 3.6000% | 4,730 |
| Noninterest income to average assets | 0.3996% | 4,617 |
| Noninterest expense to average assets | 3.1152% | 3,147 |
| Loan and lease loss provision to assets | 0.0599% | 5,858 |
| Net operating income to assets | 0.5687% | 4,156 |
| Return on assets (ROA) | 0.6446% | 3,957 |
| Pretax return on assets | 0.6819% | 4,399 |
| Return on Equity (ROE) | 6.9731% | 3,416 |
| Retained earnings to average equity (ytd only) | 3.2272% | 3,921 |
| Net charge-offs to loans | 0.2308% | 4,338 |
| Credit loss provision to net charge-offs | 49.4505% | 5,431 |
| Earnings coverage of net charge-offs (x) | 5.4615% | 2,783 |
| Efficiency ratio | 82.4753% | 1,958 |
| Assets per employee ($millions) | 3.5542% | 4,880 |
| Cash dividends to net income (ytd only)* | 53.7190% | 1,867 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1610% | 5,572 |
| Loan loss allowance to noncurrent loans | 178.7402% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.4847% | 5,760 |
| Noncurrent loans to loans | 0.6495% | 5,407 |
| Net loans and leases to total assets | 49.4290% | 5,668 |
| Net loans and leases to deposits | 54.5896% | 6,014 |
| Net loans and leases to core deposits | 55.0570% | 6,224 |
| Total domestic deposits to total assets | 90.5465% | 692 |
| Equity capital to assets | 8.9254% | 5,645 |
| Core capital (leverage) ratio | 9.3407% | 4,265 |
| Tier 1 risk-based capital ratio | 14.9194% | 3,686 |
| Total risk-based capital ratio | 15.9349% | 3,827 |
| Memoranda: |
| Average total assets | $75,083,000 | 5,603 |
| Average earning assets | $70,444,200 | 5,522 |
| Average equity | $6,941,000 | 5,878 |
| Average total loans | $39,421,000 | 5,719 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1457% | 6,324 |
| Cost of funding earning assets | 0.5366% | 6,557 |
| Net interest margin | 3.6091% | 4,735 |
| Noninterest income to average assets | 0.4289% | 4,447 |
| Noninterest expense to average assets | 3.1419% | 3,017 |
| Loan and lease loss provision to assets | 0.0449% | 5,880 |
| Net operating income to assets | 0.5993% | 4,088 |
| Return on assets (ROA) | 0.7016% | 3,778 |
| Pretax return on assets | 0.7411% | 4,343 |
| Return on Equity (ROE) | 7.5210% | 3,266 |
| Retained earnings to average equity (ytd only) | 6.7516% | 2,107 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2452% | 1,943 |
| Assets per employee ($millions) | 3.2052% | 5,669 |
| Cash dividends to net income (ytd only)* | 10.2298% | 3,265 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3157% | 4,935 |
| Loan loss allowance to noncurrent loans | 106.7073% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.6674% | 5,474 |
| Noncurrent loans to loans | 1.2330% | 4,478 |
| Net loans and leases to total assets | 53.4156% | 5,260 |
| Net loans and leases to deposits | 59.5725% | 5,683 |
| Net loans and leases to core deposits | 60.6730% | 5,929 |
| Total domestic deposits to total assets | 89.6649% | 1,063 |
| Equity capital to assets | 9.7789% | 4,655 |
| Core capital (leverage) ratio | 9.4180% | 4,276 |
| Tier 1 risk-based capital ratio | 15.1021% | 3,607 |
| Total risk-based capital ratio | 16.2686% | 3,618 |
| Memoranda: |
| Average total assets | $74,305,500 | 5,671 |
| Average earning assets | $69,821,500 | 5,588 |
| Average equity | $6,931,500 | 5,924 |
| Average total loans | $39,500,250 | 5,768 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1451% | 6,394 |
| Cost of funding earning assets | 0.5685% | 6,594 |
| Net interest margin | 3.5766% | 4,801 |
| Noninterest income to average assets | 0.4134% | 4,564 |
| Noninterest expense to average assets | 3.1490% | 3,083 |
| Loan and lease loss provision to assets | 0.0671% | 5,468 |
| Net operating income to assets | 0.5289% | 4,382 |
| Return on assets (ROA) | 0.6819% | 3,758 |
| Pretax return on assets | 0.7195% | 4,319 |
| Return on Equity (ROE) | 7.4280% | 3,226 |
| Retained earnings to average equity (ytd only) | 6.8431% | 1,950 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4282% | 1,893 |
| Assets per employee ($millions) | 3.2720% | 5,478 |
| Cash dividends to net income (ytd only)* | 7.8740% | 3,177 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3064% | 5,030 |
| Loan loss allowance to noncurrent loans | 171.5686% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 5,922 |
| Noncurrent loans to loans | 0.7614% | 5,386 |
| Net loans and leases to total assets | 52.7028% | 5,474 |
| Net loans and leases to deposits | 58.8064% | 5,847 |
| Net loans and leases to core deposits | 59.8690% | 6,097 |
| Total domestic deposits to total assets | 89.6208% | 1,177 |
| Equity capital to assets | 9.4398% | 4,909 |
| Core capital (leverage) ratio | 9.2068% | 4,392 |
| Tier 1 risk-based capital ratio | 15.0261% | 3,480 |
| Total risk-based capital ratio | 16.2070% | 3,486 |
| Memoranda: |
| Average total assets | $74,500,670 | 5,707 |
| Average earning assets | $70,009,670 | 5,629 |
| Average equity | $6,839,000 | 5,968 |
| Average total loans | $39,366,000 | 5,827 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1012% | 6,496 |
| Cost of funding earning assets | 0.6031% | 6,606 |
| Net interest margin | 3.4981% | 5,023 |
| Noninterest income to average assets | 0.3670% | 4,974 |
| Noninterest expense to average assets | 3.2325% | 2,766 |
| Loan and lease loss provision to assets | 0.1349% | 4,322 |
| Net operating income to assets | 0.2698% | 5,541 |
| Return on assets (ROA) | 0.5774% | 4,224 |
| Pretax return on assets | 0.6098% | 4,648 |
| Return on Equity (ROE) | 6.3819% | 3,685 |
| Retained earnings to average equity (ytd only) | 6.3819% | 2,428 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4786% | 1,461 |
| Assets per employee ($millions) | 3.2195% | 5,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3395% | 4,951 |
| Loan loss allowance to noncurrent loans | 673.0769% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.1985% | 6,661 |
| Noncurrent loans to loans | 0.1990% | 6,577 |
| Net loans and leases to total assets | 52.2222% | 5,547 |
| Net loans and leases to deposits | 58.2485% | 5,899 |
| Net loans and leases to core deposits | 59.3153% | 6,160 |
| Total domestic deposits to total assets | 89.6541% | 1,389 |
| Equity capital to assets | 9.1007% | 5,048 |
| Core capital (leverage) ratio | 9.0279% | 4,572 |
| Tier 1 risk-based capital ratio | 14.6557% | 3,638 |
| Total risk-based capital ratio | 15.8298% | 3,647 |
| Memoranda: |
| Average total assets | $74,123,000 | 5,754 |
| Average earning assets | $69,638,500 | 5,685 |
| Average equity | $6,706,500 | 6,023 |
| Average total loans | $38,955,500 | 5,893 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0398% | 7,103 |
| Cost of funding earning assets | 0.6931% | 6,906 |
| Net interest margin | 3.3467% | 5,805 |
| Noninterest income to average assets | 0.3728% | 5,111 |
| Noninterest expense to average assets | 3.0119% | 3,803 |
| Loan and lease loss provision to assets | 0.0767% | 6,384 |
| Net operating income to assets | 0.4224% | 4,449 |
| Return on assets (ROA) | 0.4790% | 4,355 |
| Pretax return on assets | 0.3940% | 4,967 |
| Return on Equity (ROE) | 5.9087% | 3,652 |
| Retained earnings to average equity (ytd only) | 2.2703% | 4,294 |
| Net charge-offs to loans | 0.0409% | 6,394 |
| Credit loss provision to net charge-offs | 406.2500% | 597 |
| Earnings coverage of net charge-offs (x) | 21.9375% | 945 |
| Efficiency ratio | 87.9132% | 1,490 |
| Assets per employee ($millions) | 3.0915% | 5,897 |
| Cash dividends to net income (ytd only)* | 61.5764% | 1,555 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2915% | 5,050 |
| Loan loss allowance to noncurrent loans | 531.9149% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 6,924 |
| Noncurrent loans to loans | 0.2428% | 6,574 |
| Net loans and leases to total assets | 51.5061% | 5,990 |
| Net loans and leases to deposits | 57.7953% | 6,273 |
| Net loans and leases to core deposits | 58.8554% | 6,484 |
| Total domestic deposits to total assets | 89.1182% | 1,588 |
| Equity capital to assets | 8.9950% | 5,146 |
| Core capital (leverage) ratio | 8.6992% | 5,025 |
| Tier 1 risk-based capital ratio | 14.6148% | 3,470 |
| Total risk-based capital ratio | 15.7484% | 3,500 |
| Memoranda: |
| Average total assets | $84,763,600 | 5,453 |
| Average earning assets | $77,330,600 | 5,437 |
| Average equity | $6,871,200 | 6,083 |
| Average total loans | $39,097,200 | 5,960 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9882% | 7,286 |
| Cost of funding earning assets | 0.6984% | 7,062 |
| Net interest margin | 3.2899% | 6,052 |
| Noninterest income to average assets | 0.3554% | 5,321 |
| Noninterest expense to average assets | 2.9029% | 4,079 |
| Loan and lease loss provision to assets | 0.0763% | 6,283 |
| Net operating income to assets | 0.4729% | 4,427 |
| Return on assets (ROA) | 0.5461% | 4,276 |
| Pretax return on assets | 0.4317% | 5,136 |
| Return on Equity (ROE) | 6.8972% | 3,395 |
| Retained earnings to average equity (ytd only) | 5.7412% | 2,515 |
| Net charge-offs to loans | 0.0476% | 6,046 |
| Credit loss provision to net charge-offs | 357.1429% | 872 |
| Earnings coverage of net charge-offs (x) | 20.3530% | 1,173 |
| Efficiency ratio | 86.9744% | 1,537 |
| Assets per employee ($millions) | 2.9308% | 6,309 |
| Cash dividends to net income (ytd only)* | 16.7602% | 3,095 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2311% | 5,339 |
| Loan loss allowance to noncurrent loans | 215.4867% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.2966% | 6,630 |
| Noncurrent loans to loans | 0.5713% | 6,062 |
| Net loans and leases to total assets | 51.2743% | 6,192 |
| Net loans and leases to deposits | 57.6958% | 6,482 |
| Net loans and leases to core deposits | 58.7260% | 6,693 |
| Total domestic deposits to total assets | 88.8701% | 1,465 |
| Equity capital to assets | 9.2585% | 5,213 |
| Core capital (leverage) ratio | 8.7097% | 5,166 |
| Tier 1 risk-based capital ratio | 14.9384% | 3,283 |
| Total risk-based capital ratio | 16.0427% | 3,328 |
| Memoranda: |
| Average total assets | $87,405,250 | 5,429 |
| Average earning assets | $79,231,500 | 5,429 |
| Average equity | $6,920,500 | 6,142 |
| Average total loans | $39,192,500 | 6,037 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8847% | 7,439 |
| Cost of funding earning assets | 0.6996% | 7,194 |
| Net interest margin | 3.1850% | 6,364 |
| Noninterest income to average assets | 0.3511% | 5,341 |
| Noninterest expense to average assets | 2.7869% | 4,551 |
| Loan and lease loss provision to assets | 0.1097% | 5,810 |
| Net operating income to assets | 0.4872% | 4,389 |
| Return on assets (ROA) | 0.5925% | 4,047 |
| Pretax return on assets | 0.4169% | 5,173 |
| Return on Equity (ROE) | 7.8538% | 2,940 |
| Retained earnings to average equity (ytd only) | 6.9811% | 1,839 |
| Net charge-offs to loans | 0.0717% | 5,425 |
| Credit loss provision to net charge-offs | 357.1429% | 1,026 |
| Earnings coverage of net charge-offs (x) | 13.7143% | 1,572 |
| Efficiency ratio | 86.8673% | 1,611 |
| Assets per employee ($millions) | 3.0350% | 6,068 |
| Cash dividends to net income (ytd only)* | 11.1111% | 3,136 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1989% | 5,460 |
| Loan loss allowance to noncurrent loans | 212.6638% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2695% | 6,730 |
| Noncurrent loans to loans | 0.5638% | 6,118 |
| Net loans and leases to total assets | 47.2259% | 6,687 |
| Net loans and leases to deposits | 52.4470% | 6,954 |
| Net loans and leases to core deposits | 53.2720% | 7,070 |
| Total domestic deposits to total assets | 90.0448% | 906 |
| Equity capital to assets | 8.2713% | 6,460 |
| Core capital (leverage) ratio | 8.4140% | 5,553 |
| Tier 1 risk-based capital ratio | 14.2520% | 3,573 |
| Total risk-based capital ratio | 15.3148% | 3,650 |
| Memoranda: |
| Average total assets | $91,140,330 | 5,351 |
| Average earning assets | $81,757,670 | 5,379 |
| Average equity | $6,875,670 | 6,182 |
| Average total loans | $39,070,670 | 6,083 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8186% | 7,580 |
| Cost of funding earning assets | 0.7327% | 7,263 |
| Net interest margin | 3.0860% | 6,632 |
| Noninterest income to average assets | 0.2802% | 5,900 |
| Noninterest expense to average assets | 2.6958% | 4,925 |
| Loan and lease loss provision to assets | 0.2123% | 4,388 |
| Net operating income to assets | 0.4415% | 4,656 |
| Return on assets (ROA) | 0.6411% | 3,824 |
| Pretax return on assets | 0.2717% | 5,683 |
| Return on Equity (ROE) | 8.8837% | 2,534 |
| Retained earnings to average equity (ytd only) | 8.8837% | 1,428 |
| Net charge-offs to loans | 0.1462% | 4,055 |
| Credit loss provision to net charge-offs | 357.1429% | 1,135 |
| Earnings coverage of net charge-offs (x) | 4.7857% | 2,550 |
| Efficiency ratio | 90.4558% | 1,395 |
| Assets per employee ($millions) | 3.8580% | 4,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2539% | 5,190 |
| Loan loss allowance to noncurrent loans | 487.0000% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 7,234 |
| Noncurrent loans to loans | 0.2575% | 6,813 |
| Net loans and leases to total assets | 38.2342% | 7,340 |
| Net loans and leases to deposits | 41.6602% | 7,466 |
| Net loans and leases to core deposits | 42.2044% | 7,520 |
| Total domestic deposits to total assets | 91.7763% | 296 |
| Equity capital to assets | 6.8170% | 7,444 |
| Core capital (leverage) ratio | 8.1553% | 5,985 |
| Tier 1 risk-based capital ratio | 15.1112% | 3,063 |
| Total risk-based capital ratio | 16.2538% | 3,075 |
| Memoranda: |
| Average total assets | $94,220,000 | 5,309 |
| Average earning assets | $82,438,000 | 5,419 |
| Average equity | $6,799,000 | 6,255 |
| Average total loans | $38,296,000 | 6,200 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4900% | 7,391 |
| Cost of funding earning assets | 0.9757% | 7,250 |
| Net interest margin | 3.5143% | 4,891 |
| Noninterest income to average assets | 0.3698% | 5,443 |
| Noninterest expense to average assets | 3.1199% | 3,648 |
| Loan and lease loss provision to assets | 0.1152% | 6,492 |
| Net operating income to assets | 0.2252% | 4,820 |
| Return on assets (ROA) | 0.4101% | 4,196 |
| Pretax return on assets | 0.4332% | 4,393 |
| Return on Equity (ROE) | 5.2588% | 3,556 |
| Retained earnings to average equity (ytd only) | 2.5999% | 3,322 |
| Net charge-offs to loans | 0.2996% | 4,755 |
| Credit loss provision to net charge-offs | 90.9091% | 5,972 |
| Earnings coverage of net charge-offs (x) | 2.7909% | 3,694 |
| Efficiency ratio | 89.8176% | 1,716 |
| Assets per employee ($millions) | 3.2641% | 5,578 |
| Cash dividends to net income (ytd only)* | 50.5618% | 2,443 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1946% | 5,403 |
| Loan loss allowance to noncurrent loans | 464.9485% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 7,214 |
| Noncurrent loans to loans | 0.2569% | 6,780 |
| Net loans and leases to total assets | 42.3251% | 7,234 |
| Net loans and leases to deposits | 46.7087% | 7,411 |
| Net loans and leases to core deposits | 51.5641% | 7,542 |
| Total domestic deposits to total assets | 90.6152% | 689 |
| Equity capital to assets | 7.6703% | 6,882 |
| Core capital (leverage) ratio | 7.6980% | 6,558 |
| Tier 1 risk-based capital ratio | 15.0860% | 2,891 |
| Total risk-based capital ratio | 16.1675% | 2,934 |
| Memoranda: |
| Average total assets | $86,798,600 | 5,493 |
| Average earning assets | $76,659,200 | 5,573 |
| Average equity | $6,769,600 | 6,346 |
| Average total loans | $36,712,400 | 6,266 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4423% | 7,568 |
| Cost of funding earning assets | 0.9889% | 7,415 |
| Net interest margin | 3.4534% | 5,058 |
| Noninterest income to average assets | 0.3408% | 5,763 |
| Noninterest expense to average assets | 3.0933% | 3,669 |
| Loan and lease loss provision to assets | 0.1542% | 5,809 |
| Net operating income to assets | 0.2001% | 5,156 |
| Return on assets (ROA) | 0.3978% | 4,508 |
| Pretax return on assets | 0.4194% | 4,741 |
| Return on Equity (ROE) | 5.0796% | 3,928 |
| Retained earnings to average equity (ytd only) | 4.0952% | 2,987 |
| Net charge-offs to loans | 0.1792% | 4,957 |
| Credit loss provision to net charge-offs | 204.0816% | 2,182 |
| Earnings coverage of net charge-offs (x) | 4.8368% | 2,997 |
| Efficiency ratio | 89.4338% | 1,740 |
| Assets per employee ($millions) | 3.5469% | 4,821 |
| Cash dividends to net income (ytd only)* | 19.3814% | 3,266 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4289% | 3,788 |
| Loan loss allowance to noncurrent loans | 355.5556% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 7,164 |
| Noncurrent loans to loans | 0.4019% | 6,536 |
| Net loans and leases to total assets | 36.8801% | 7,587 |
| Net loans and leases to deposits | 40.5086% | 7,715 |
| Net loans and leases to core deposits | 44.2095% | 7,795 |
| Total domestic deposits to total assets | 91.0428% | 403 |
| Equity capital to assets | 7.2687% | 7,445 |
| Core capital (leverage) ratio | 7.5620% | 6,906 |
| Tier 1 risk-based capital ratio | 14.3275% | 3,367 |
| Total risk-based capital ratio | 15.4876% | 3,364 |
| Memoranda: |
| Average total assets | $86,465,250 | 5,538 |
| Average earning assets | $78,066,000 | 5,556 |
| Average equity | $6,772,000 | 6,399 |
| Average total loans | $36,452,250 | 6,320 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6577% | 7,455 |
| Cost of funding earning assets | 1.0483% | 7,469 |
| Net interest margin | 3.6094% | 4,327 |
| Noninterest income to average assets | 0.3407% | 5,781 |
| Noninterest expense to average assets | 3.2340% | 3,218 |
| Loan and lease loss provision to assets | 0.1200% | 5,922 |
| Net operating income to assets | 0.2357% | 5,141 |
| Return on assets (ROA) | 0.4750% | 4,306 |
| Pretax return on assets | 0.5014% | 4,610 |
| Return on Equity (ROE) | 5.9025% | 3,698 |
| Retained earnings to average equity (ytd only) | 4.4120% | 2,841 |
| Net charge-offs to loans | 0.2673% | 3,859 |
| Credit loss provision to net charge-offs | 102.0408% | 4,484 |
| Earnings coverage of net charge-offs (x) | 3.1429% | 3,550 |
| Efficiency ratio | 89.7470% | 1,838 |
| Assets per employee ($millions) | 3.1037% | 5,857 |
| Cash dividends to net income (ytd only)* | 25.2525% | 2,996 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2729% | 4,445 |
| Loan loss allowance to noncurrent loans | 318.6207% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 7,094 |
| Noncurrent loans to loans | 0.3995% | 6,509 |
| Net loans and leases to total assets | 44.4056% | 7,300 |
| Net loans and leases to deposits | 49.5472% | 7,502 |
| Net loans and leases to core deposits | 54.9003% | 7,634 |
| Total domestic deposits to total assets | 89.6229% | 996 |
| Equity capital to assets | 8.3411% | 6,274 |
| Core capital (leverage) ratio | 7.2881% | 7,259 |
| Tier 1 risk-based capital ratio | 15.2626% | 2,901 |
| Total risk-based capital ratio | 16.3884% | 2,898 |
| Memoranda: |
| Average total assets | $83,364,670 | 5,687 |
| Average earning assets | $75,359,670 | 5,695 |
| Average equity | $6,709,000 | 6,464 |
| Average total loans | $36,659,330 | 6,363 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6952% | 7,514 |
| Cost of funding earning assets | 1.0590% | 7,584 |
| Net interest margin | 3.6362% | 4,157 |
| Noninterest income to average assets | 0.3353% | 5,774 |
| Noninterest expense to average assets | 3.0508% | 3,558 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5490% | 4,219 |
| Return on assets (ROA) | 0.7509% | 3,522 |
| Pretax return on assets | 0.7887% | 4,116 |
| Return on Equity (ROE) | 9.4954% | 2,534 |
| Retained earnings to average equity (ytd only) | 7.7038% | 1,926 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1146% | 2,294 |
| Assets per employee ($millions) | 3.2479% | 5,464 |
| Cash dividends to net income (ytd only)* | 18.8679% | 2,578 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2445% | 4,495 |
| Loan loss allowance to noncurrent loans | 297.4194% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 7,041 |
| Noncurrent loans to loans | 0.4184% | 6,374 |
| Net loans and leases to total assets | 40.2267% | 7,554 |
| Net loans and leases to deposits | 44.3371% | 7,713 |
| Net loans and leases to core deposits | 48.3320% | 7,827 |
| Total domestic deposits to total assets | 90.7293% | 501 |
| Equity capital to assets | 7.5059% | 7,350 |
| Core capital (leverage) ratio | 7.9031% | 6,609 |
| Tier 1 risk-based capital ratio | 14.3951% | 3,368 |
| Total risk-based capital ratio | 15.4579% | 3,405 |
| Memoranda: |
| Average total assets | $84,698,500 | 5,653 |
| Average earning assets | $76,674,000 | 5,668 |
| Average equity | $6,698,000 | 6,520 |
| Average total loans | $36,841,000 | 6,390 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2278% | 7,662 |
| Cost of funding earning assets | 1.6414% | 7,368 |
| Net interest margin | 3.5864% | 4,945 |
| Noninterest income to average assets | 0.4177% | 5,317 |
| Noninterest expense to average assets | 3.0907% | 3,735 |
| Loan and lease loss provision to assets | 0.4431% | 3,073 |
| Net operating income to assets | 0.1559% | 5,969 |
| Return on assets (ROA) | 0.3417% | 5,209 |
| Pretax return on assets | 0.3586% | 5,363 |
| Return on Equity (ROE) | 4.4592% | 4,617 |
| Retained earnings to average equity (ytd only) | 1.9381% | 4,025 |
| Net charge-offs to loans | 0.8611% | 1,452 |
| Credit loss provision to net charge-offs | 111.5502% | 4,831 |
| Earnings coverage of net charge-offs (x) | 1.5258% | 5,337 |
| Efficiency ratio | 83.6055% | 2,105 |
| Assets per employee ($millions) | 2.6152% | 6,973 |
| Cash dividends to net income (ytd only)* | 56.5371% | 2,820 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2583% | 4,062 |
| Loan loss allowance to noncurrent loans | 548.8095% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 7,151 |
| Noncurrent loans to loans | 0.2293% | 6,700 |
| Net loans and leases to total assets | 46.1118% | 7,321 |
| Net loans and leases to deposits | 51.4653% | 7,562 |
| Net loans and leases to core deposits | 55.8874% | 7,743 |
| Total domestic deposits to total assets | 89.5979% | 809 |
| Equity capital to assets | 8.3742% | 6,305 |
| Core capital (leverage) ratio | 7.6097% | 7,064 |
| Tier 1 risk-based capital ratio | 15.2475% | 2,937 |
| Total risk-based capital ratio | 16.3970% | 2,905 |
| Memoranda: |
| Average total assets | $82,830,000 | 5,601 |
| Average earning assets | $75,730,200 | 5,599 |
| Average equity | $6,346,400 | 6,688 |
| Average total loans | $38,209,000 | 6,261 |
