| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7447% | 1,676 |
| Cost of funding earning assets | 2.2321% | 1,665 |
| Net interest margin | 3.5126% | 2,049 |
| Noninterest income to average assets | 0.1900% | 3,762 |
| Noninterest expense to average assets | 2.0092% | 3,590 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 1.3863% | 1,099 |
| Return on assets (ROA) | 1.3884% | 1,094 |
| Pretax return on assets | 1.3886% | 1,540 |
| Return on Equity (ROE) | 13.7500% | 1,178 |
| Retained earnings to average equity (ytd only) | 6.9150% | 1,456 |
| Net charge-offs to loans | 0.0017% | 2,982 |
| Credit loss provision to net charge-offs | 4,000.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 1,128.0000% | 116 |
| Efficiency ratio | 58.0910% | 3,348 |
| Assets per employee ($millions) | 7.4714% | 1,857 |
| Cash dividends to net income (ytd only)* | 49.7170% | 1,644 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1334% | 2,516 |
| Loan loss allowance to noncurrent loans | 171.7357% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.5043% | 1,417 |
| Noncurrent loans to loans | 0.6600% | 1,479 |
| Net loans and leases to total assets | 74.0700% | 1,391 |
| Net loans and leases to deposits | 85.6218% | 1,629 |
| Net loans and leases to core deposits | 101.2776% | 1,372 |
| Total domestic deposits to total assets | 86.5100% | 2,032 |
| Equity capital to assets | 9.6036% | 2,373 |
| Core capital (leverage) ratio | 10.4943% | 2,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: |
| Average total assets | $470,832,200 | 1,834 |
| Average earning assets | $436,003,400 | 1,838 |
| Average equity | $47,534,200 | 1,773 |
| Average total loans | $358,548,000 | 1,655 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7206% | 1,685 |
| Cost of funding earning assets | 2.1814% | 1,783 |
| Net interest margin | 3.5392% | 1,940 |
| Noninterest income to average assets | 0.1800% | 3,801 |
| Noninterest expense to average assets | 2.0069% | 3,552 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 1.3916% | 1,112 |
| Return on assets (ROA) | 1.3890% | 1,120 |
| Pretax return on assets | 1.3893% | 1,547 |
| Return on Equity (ROE) | 13.5800% | 1,235 |
| Retained earnings to average equity (ytd only) | 11.2464% | 610 |
| Net charge-offs to loans | -0.0011% | 3,637 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 57.9489% | 3,360 |
| Assets per employee ($millions) | 7.0172% | 2,134 |
| Cash dividends to net income (ytd only)* | 17.1589% | 2,631 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1584% | 2,431 |
| Loan loss allowance to noncurrent loans | 191.7679% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.4728% | 1,466 |
| Noncurrent loans to loans | 0.6041% | 1,575 |
| Net loans and leases to total assets | 77.3700% | 948 |
| Net loans and leases to deposits | 90.8039% | 1,166 |
| Net loans and leases to core deposits | 108.5743% | 997 |
| Total domestic deposits to total assets | 85.2000% | 2,226 |
| Equity capital to assets | 10.6645% | 1,898 |
| Core capital (leverage) ratio | 11.2686% | 1,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: |
| Average total assets | $461,525,750 | 1,853 |
| Average earning assets | $426,562,500 | 1,861 |
| Average equity | $47,219,750 | 1,781 |
| Average total loans | $353,028,000 | 1,664 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5843% | 1,808 |
| Cost of funding earning assets | 2.1001% | 1,872 |
| Net interest margin | 3.4842% | 1,998 |
| Noninterest income to average assets | 0.1700% | 3,865 |
| Noninterest expense to average assets | 2.0072% | 3,545 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 1.3300% | 1,210 |
| Return on assets (ROA) | 1.3191% | 1,236 |
| Pretax return on assets | 1.3195% | 1,649 |
| Return on Equity (ROE) | 13.0800% | 1,346 |
| Retained earnings to average equity (ytd only) | 11.3522% | 634 |
| Net charge-offs to loans | 0.0023% | 2,459 |
| Credit loss provision to net charge-offs | 3,000.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 792.7500% | 141 |
| Efficiency ratio | 58.9915% | 3,302 |
| Assets per employee ($millions) | 7.1156% | 1,998 |
| Cash dividends to net income (ytd only)* | 13.2231% | 2,671 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1638% | 2,425 |
| Loan loss allowance to noncurrent loans | 10,758.9744% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 3,734 |
| Noncurrent loans to loans | 0.0108% | 3,708 |
| Net loans and leases to total assets | 78.2500% | 878 |
| Net loans and leases to deposits | 92.2601% | 1,096 |
| Net loans and leases to core deposits | 109.4219% | 993 |
| Total domestic deposits to total assets | 84.8200% | 2,358 |
| Equity capital to assets | 10.4510% | 1,835 |
| Core capital (leverage) ratio | 11.0207% | 2,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: |
| Average total assets | $458,651,000 | 1,860 |
| Average earning assets | $423,399,667 | 1,868 |
| Average equity | $46,246,667 | 1,784 |
| Average total loans | $348,037,333 | 1,678 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3967% | 2,003 |
| Cost of funding earning assets | 2.0073% | 1,969 |
| Net interest margin | 3.3894% | 2,135 |
| Noninterest income to average assets | 0.1700% | 3,835 |
| Noninterest expense to average assets | 1.9449% | 3,686 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | 1.2975% | 1,239 |
| Return on assets (ROA) | 1.2992% | 1,243 |
| Pretax return on assets | 1.2992% | 1,641 |
| Return on Equity (ROE) | 13.1200% | 1,317 |
| Retained earnings to average equity (ytd only) | 13.1218% | 593 |
| Net charge-offs to loans | 0.0094% | 1,736 |
| Credit loss provision to net charge-offs | 750.0000% | 397 |
| Earnings coverage of net charge-offs (x) | 194.1250% | 425 |
| Efficiency ratio | 58.8235% | 3,374 |
| Assets per employee ($millions) | 6.8093% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2038% | 2,265 |
| Loan loss allowance to noncurrent loans | 11,167.5676% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 3,763 |
| Noncurrent loans to loans | 0.0108% | 3,713 |
| Net loans and leases to total assets | 74.3300% | 1,297 |
| Net loans and leases to deposits | 87.2578% | 1,426 |
| Net loans and leases to core deposits | 100.8580% | 1,368 |
| Total domestic deposits to total assets | 85.1900% | 2,353 |
| Equity capital to assets | 10.1538% | 1,914 |
| Core capital (leverage) ratio | 11.0034% | 1,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: |
| Average total assets | $460,276,500 | 1,858 |
| Average earning assets | $424,854,000 | 1,864 |
| Average equity | $45,573,000 | 1,788 |
| Average total loans | $341,777,500 | 1,694 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9308% | 2,217 |
| Cost of funding earning assets | 1.5032% | 1,934 |
| Net interest margin | 3.4276% | 2,345 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.9213% | 3,794 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.3991% | 1,216 |
| Return on assets (ROA) | 1.4474% | 1,091 |
| Pretax return on assets | 1.4474% | 1,539 |
| Return on Equity (ROE) | 14.0500% | 1,474 |
| Retained earnings to average equity (ytd only) | 5.9928% | 2,242 |
| Net charge-offs to loans | 0.0065% | 2,449 |
| Credit loss provision to net charge-offs | 857.1429% | 463 |
| Earnings coverage of net charge-offs (x) | 291.5714% | 437 |
| Efficiency ratio | 56.9028% | 3,404 |
| Assets per employee ($millions) | 7.1435% | 1,980 |
| Cash dividends to net income (ytd only)* | 57.3357% | 1,303 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1989% | 2,303 |
| Loan loss allowance to noncurrent loans | 6,276.9231% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 3,667 |
| Noncurrent loans to loans | 0.0191% | 3,604 |
| Net loans and leases to total assets | 72.4100% | 1,534 |
| Net loans and leases to deposits | 84.4795% | 1,739 |
| Net loans and leases to core deposits | 96.2873% | 1,641 |
| Total domestic deposits to total assets | 85.7100% | 2,103 |
| Equity capital to assets | 9.6530% | 2,238 |
| Core capital (leverage) ratio | 11.0618% | 1,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $424,760,200 | 1,938 |
| Average earning assets | $393,158,200 | 1,936 |
| Average equity | $43,769,000 | 1,767 |
| Average total loans | $323,209,000 | 1,713 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8679% | 2,131 |
| Cost of funding earning assets | 1.3623% | 1,968 |
| Net interest margin | 3.5056% | 2,196 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.8981% | 3,803 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.5092% | 1,098 |
| Return on assets (ROA) | 1.5600% | 998 |
| Pretax return on assets | 1.5600% | 1,440 |
| Return on Equity (ROE) | 14.8800% | 1,465 |
| Retained earnings to average equity (ytd only) | 12.1176% | 953 |
| Net charge-offs to loans | 0.0079% | 2,118 |
| Credit loss provision to net charge-offs | 631.5789% | 541 |
| Earnings coverage of net charge-offs (x) | 253.4737% | 508 |
| Efficiency ratio | 54.8498% | 3,507 |
| Assets per employee ($millions) | 6.5343% | 2,307 |
| Cash dividends to net income (ytd only)* | 18.5414% | 2,509 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2081% | 2,316 |
| Loan loss allowance to noncurrent loans | 1,467.8832% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 3,184 |
| Noncurrent loans to loans | 0.0823% | 3,173 |
| Net loans and leases to total assets | 77.4400% | 952 |
| Net loans and leases to deposits | 96.6747% | 705 |
| Net loans and leases to core deposits | 111.5023% | 819 |
| Total domestic deposits to total assets | 80.1000% | 3,512 |
| Equity capital to assets | 10.5611% | 1,530 |
| Core capital (leverage) ratio | 11.7182% | 1,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $414,867,750 | 1,973 |
| Average earning assets | $384,247,000 | 1,970 |
| Average equity | $43,505,750 | 1,763 |
| Average total loans | $318,936,250 | 1,721 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6486% | 2,308 |
| Cost of funding earning assets | 1.1364% | 2,178 |
| Net interest margin | 3.5122% | 2,235 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.8529% | 3,900 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.5817% | 975 |
| Return on assets (ROA) | 1.6488% | 875 |
| Pretax return on assets | 1.6488% | 1,319 |
| Return on Equity (ROE) | 15.7600% | 1,312 |
| Retained earnings to average equity (ytd only) | 13.9029% | 694 |
| Net charge-offs to loans | 0.0083% | 1,900 |
| Credit loss provision to net charge-offs | 461.5385% | 679 |
| Earnings coverage of net charge-offs (x) | 255.0000% | 502 |
| Efficiency ratio | 53.2548% | 3,673 |
| Assets per employee ($millions) | 6.5981% | 2,216 |
| Cash dividends to net income (ytd only)* | 11.7890% | 2,672 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2421% | 2,217 |
| Loan loss allowance to noncurrent loans | 811.4519% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 2,702 |
| Noncurrent loans to loans | 0.1531% | 2,706 |
| Net loans and leases to total assets | 77.1200% | 925 |
| Net loans and leases to deposits | 94.7094% | 804 |
| Net loans and leases to core deposits | 105.6631% | 997 |
| Total domestic deposits to total assets | 81.4300% | 3,354 |
| Equity capital to assets | 10.8105% | 1,458 |
| Core capital (leverage) ratio | 11.7710% | 1,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $411,581,333 | 1,980 |
| Average earning assets | $382,785,333 | 1,972 |
| Average equity | $43,055,667 | 1,779 |
| Average total loans | $314,276,333 | 1,729 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3899% | 2,575 |
| Cost of funding earning assets | 0.9601% | 2,180 |
| Net interest margin | 3.4299% | 2,557 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.8468% | 3,955 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5561% | 1,068 |
| Return on assets (ROA) | 1.6695% | 868 |
| Pretax return on assets | 1.6695% | 1,342 |
| Return on Equity (ROE) | 16.2300% | 1,310 |
| Retained earnings to average equity (ytd only) | 16.2274% | 668 |
| Net charge-offs to loans | 0.0154% | 1,391 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 133.8333% | 652 |
| Efficiency ratio | 54.0433% | 3,599 |
| Assets per employee ($millions) | 7.2027% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2738% | 2,164 |
| Loan loss allowance to noncurrent loans | 1,526.9531% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 3,146 |
| Noncurrent loans to loans | 0.0834% | 3,146 |
| Net loans and leases to total assets | 73.8000% | 1,230 |
| Net loans and leases to deposits | 87.2978% | 1,273 |
| Net loans and leases to core deposits | 96.4425% | 1,256 |
| Total domestic deposits to total assets | 84.5300% | 2,967 |
| Equity capital to assets | 10.6078% | 1,510 |
| Core capital (leverage) ratio | 11.6453% | 1,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $412,829,500 | 1,995 |
| Average earning assets | $384,972,000 | 1,983 |
| Average equity | $42,471,500 | 1,820 |
| Average total loans | $311,684,500 | 1,751 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1312% | 1,404 |
| Cost of funding earning assets | 0.4929% | 1,443 |
| Net interest margin | 3.6382% | 1,527 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.9201% | 3,791 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.5829% | 717 |
| Return on assets (ROA) | 1.5826% | 686 |
| Pretax return on assets | 1.5829% | 1,206 |
| Return on Equity (ROE) | 14.8700% | 1,291 |
| Retained earnings to average equity (ytd only) | 6.4418% | 2,475 |
| Net charge-offs to loans | 0.0022% | 2,451 |
| Credit loss provision to net charge-offs | 6,666.6667% | 102 |
| Earnings coverage of net charge-offs (x) | 1,103.3333% | 163 |
| Efficiency ratio | 52.5205% | 3,935 |
| Assets per employee ($millions) | 7.4126% | 1,677 |
| Cash dividends to net income (ytd only)* | 56.6903% | 1,092 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1125% | 2,836 |
| Loan loss allowance to noncurrent loans | 4,142.3529% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 3,606 |
| Noncurrent loans to loans | 0.0269% | 3,596 |
| Net loans and leases to total assets | 75.3900% | 1,076 |
| Net loans and leases to deposits | 93.7018% | 804 |
| Net loans and leases to core deposits | 100.1860% | 997 |
| Total domestic deposits to total assets | 80.4600% | 3,817 |
| Equity capital to assets | 9.9715% | 1,720 |
| Core capital (leverage) ratio | 11.3566% | 1,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $392,888,600 | 2,048 |
| Average earning assets | $368,831,400 | 2,031 |
| Average equity | $41,805,000 | 1,861 |
| Average total loans | $277,979,200 | 1,825 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0419% | 1,177 |
| Cost of funding earning assets | 0.3881% | 1,375 |
| Net interest margin | 3.6538% | 1,260 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.9211% | 3,697 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.5714% | 703 |
| Return on assets (ROA) | 1.5686% | 687 |
| Pretax return on assets | 1.5690% | 1,210 |
| Return on Equity (ROE) | 14.5000% | 1,293 |
| Retained earnings to average equity (ytd only) | 10.7597% | 1,117 |
| Net charge-offs to loans | -0.0005% | 3,134 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.9958% | 4,007 |
| Assets per employee ($millions) | 6.9124% | 2,011 |
| Cash dividends to net income (ytd only)* | 25.7845% | 2,220 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1919% | 2,573 |
| Loan loss allowance to noncurrent loans | 2,520.0000% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 3,557 |
| Noncurrent loans to loans | 0.0473% | 3,540 |
| Net loans and leases to total assets | 74.2300% | 1,075 |
| Net loans and leases to deposits | 88.1839% | 1,023 |
| Net loans and leases to core deposits | 93.9249% | 1,101 |
| Total domestic deposits to total assets | 84.1800% | 3,460 |
| Equity capital to assets | 10.4110% | 1,417 |
| Core capital (leverage) ratio | 11.6858% | 1,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $387,335,000 | 2,091 |
| Average earning assets | $364,174,750 | 2,069 |
| Average equity | $41,908,250 | 1,887 |
| Average total loans | $268,352,750 | 1,861 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7093% | 1,513 |
| Cost of funding earning assets | 0.3485% | 1,274 |
| Net interest margin | 3.3607% | 1,716 |
| Noninterest income to average assets | 0.1911% | 4,045 |
| Noninterest expense to average assets | 1.9667% | 3,527 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3887% | 925 |
| Return on assets (ROA) | 1.3835% | 922 |
| Pretax return on assets | 1.3840% | 1,486 |
| Return on Equity (ROE) | 12.6243% | 1,484 |
| Retained earnings to average equity (ytd only) | 10.6103% | 871 |
| Net charge-offs to loans | -0.0054% | 3,369 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2423% | 3,651 |
| Assets per employee ($millions) | 6.3603% | 2,430 |
| Cash dividends to net income (ytd only)* | 15.9535% | 2,613 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0944% | 3,185 |
| Loan loss allowance to noncurrent loans | 1,922.6994% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 3,567 |
| Noncurrent loans to loans | 0.0569% | 3,528 |
| Net loans and leases to total assets | 73.0000% | 1,004 |
| Net loans and leases to deposits | 82.9285% | 1,188 |
| Net loans and leases to core deposits | 84.6127% | 1,416 |
| Total domestic deposits to total assets | 88.0277% | 2,560 |
| Equity capital to assets | 10.7921% | 1,316 |
| Core capital (leverage) ratio | 11.3189% | 1,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $385,111,333 | 2,111 |
| Average earning assets | $362,658,333 | 2,090 |
| Average equity | $42,204,333 | 1,925 |
| Average total loans | $259,138,000 | 1,901 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4579% | 1,925 |
| Cost of funding earning assets | 0.3494% | 1,208 |
| Net interest margin | 3.1085% | 2,145 |
| Noninterest income to average assets | 0.1824% | 4,067 |
| Noninterest expense to average assets | 2.0257% | 3,370 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0863% | 1,560 |
| Return on assets (ROA) | 1.0811% | 1,574 |
| Pretax return on assets | 1.0822% | 2,199 |
| Return on Equity (ROE) | 9.7897% | 2,051 |
| Retained earnings to average equity (ytd only) | 9.7897% | 1,073 |
| Net charge-offs to loans | -0.0033% | 3,212 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7595% | 3,172 |
| Assets per employee ($millions) | 6.4707% | 2,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2315% | 2,691 |
| Loan loss allowance to noncurrent loans | 881.4085% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 3,177 |
| Noncurrent loans to loans | 0.1397% | 3,109 |
| Net loans and leases to total assets | 63.5774% | 1,670 |
| Net loans and leases to deposits | 71.9993% | 1,775 |
| Net loans and leases to core deposits | 73.5926% | 1,968 |
| Total domestic deposits to total assets | 88.3028% | 2,388 |
| Equity capital to assets | 10.5394% | 1,580 |
| Core capital (leverage) ratio | 10.9434% | 1,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $383,678,000 | 2,120 |
| Average earning assets | $361,718,000 | 2,105 |
| Average equity | $42,371,000 | 1,968 |
| Average total loans | $245,528,000 | 1,959 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6998% | 2,113 |
| Cost of funding earning assets | 0.4299% | 1,332 |
| Net interest margin | 3.2699% | 2,409 |
| Noninterest income to average assets | 0.1774% | 4,266 |
| Noninterest expense to average assets | 1.9135% | 3,897 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3452% | 1,459 |
| Return on assets (ROA) | 1.3356% | 1,532 |
| Pretax return on assets | 1.3359% | 2,251 |
| Return on Equity (ROE) | 11.0888% | 2,136 |
| Retained earnings to average equity (ytd only) | 2.8562% | 3,701 |
| Net charge-offs to loans | 0.0458% | 1,370 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 46.5238% | 1,344 |
| Efficiency ratio | 56.2120% | 3,682 |
| Assets per employee ($millions) | 6.1089% | 2,655 |
| Cash dividends to net income (ytd only)* | 74.2421% | 617 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3195% | 2,272 |
| Loan loss allowance to noncurrent loans | 1,116.7857% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 3,427 |
| Noncurrent loans to loans | 0.1182% | 3,343 |
| Net loans and leases to total assets | 62.7549% | 1,851 |
| Net loans and leases to deposits | 72.0184% | 1,907 |
| Net loans and leases to core deposits | 73.7248% | 2,106 |
| Total domestic deposits to total assets | 87.1374% | 2,456 |
| Equity capital to assets | 11.5772% | 1,467 |
| Core capital (leverage) ratio | 11.1714% | 1,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $363,057,800 | 2,135 |
| Average earning assets | $342,154,600 | 2,117 |
| Average equity | $43,728,800 | 1,957 |
| Average total loans | $229,167,400 | 2,055 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7047% | 2,265 |
| Cost of funding earning assets | 0.4365% | 1,443 |
| Net interest margin | 3.2682% | 2,516 |
| Noninterest income to average assets | 0.1786% | 4,309 |
| Noninterest expense to average assets | 1.8388% | 4,087 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4203% | 1,477 |
| Return on assets (ROA) | 1.4421% | 1,475 |
| Pretax return on assets | 1.4425% | 2,173 |
| Return on Equity (ROE) | 11.8545% | 2,096 |
| Retained earnings to average equity (ytd only) | 8.9676% | 1,708 |
| Net charge-offs to loans | 0.0552% | 1,100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 40.8830% | 1,355 |
| Efficiency ratio | 53.8959% | 3,827 |
| Assets per employee ($millions) | 6.5417% | 2,212 |
| Cash dividends to net income (ytd only)* | 24.3527% | 2,357 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3739% | 2,132 |
| Loan loss allowance to noncurrent loans | 584.3575% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 3,132 |
| Noncurrent loans to loans | 0.2351% | 2,996 |
| Net loans and leases to total assets | 61.4896% | 2,077 |
| Net loans and leases to deposits | 71.1537% | 2,132 |
| Net loans and leases to core deposits | 72.8852% | 2,331 |
| Total domestic deposits to total assets | 86.4180% | 2,593 |
| Equity capital to assets | 12.3299% | 1,248 |
| Core capital (leverage) ratio | 11.7432% | 1,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $360,661,000 | 2,169 |
| Average earning assets | $339,991,250 | 2,148 |
| Average equity | $43,875,500 | 1,977 |
| Average total loans | $227,214,250 | 2,099 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5091% | 2,868 |
| Cost of funding earning assets | 0.4445% | 1,561 |
| Net interest margin | 3.0645% | 3,132 |
| Noninterest income to average assets | 0.1706% | 4,354 |
| Noninterest expense to average assets | 1.8106% | 4,163 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2532% | 2,012 |
| Return on assets (ROA) | 1.2744% | 2,012 |
| Pretax return on assets | 1.2749% | 2,694 |
| Return on Equity (ROE) | 10.5238% | 2,580 |
| Retained earnings to average equity (ytd only) | 8.5673% | 1,868 |
| Net charge-offs to loans | 0.0785% | 884 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 25.2697% | 1,412 |
| Efficiency ratio | 56.3944% | 3,495 |
| Assets per employee ($millions) | 6.6641% | 2,044 |
| Cash dividends to net income (ytd only)* | 18.5914% | 2,577 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3542% | 2,173 |
| Loan loss allowance to noncurrent loans | 206.9124% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.4070% | 1,982 |
| Noncurrent loans to loans | 0.6545% | 1,781 |
| Net loans and leases to total assets | 61.3513% | 2,257 |
| Net loans and leases to deposits | 70.5428% | 2,355 |
| Net loans and leases to core deposits | 72.2646% | 2,583 |
| Total domestic deposits to total assets | 86.9702% | 2,337 |
| Equity capital to assets | 11.8320% | 1,444 |
| Core capital (leverage) ratio | 11.2519% | 1,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $358,769,000 | 2,166 |
| Average earning assets | $338,779,667 | 2,143 |
| Average equity | $43,444,333 | 1,975 |
| Average total loans | $226,820,000 | 2,111 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5557% | 2,773 |
| Cost of funding earning assets | 0.4529% | 1,698 |
| Net interest margin | 3.1028% | 2,977 |
| Noninterest income to average assets | 0.1627% | 4,385 |
| Noninterest expense to average assets | 1.9149% | 3,953 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1776% | 2,243 |
| Return on assets (ROA) | 1.2220% | 2,142 |
| Pretax return on assets | 1.2231% | 2,777 |
| Return on Equity (ROE) | 9.9702% | 2,694 |
| Retained earnings to average equity (ytd only) | 9.9702% | 1,650 |
| Net charge-offs to loans | 0.1178% | 601 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 15.6970% | 1,338 |
| Efficiency ratio | 59.1762% | 3,129 |
| Assets per employee ($millions) | 6.7925% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3893% | 2,007 |
| Loan loss allowance to noncurrent loans | 590.6716% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.1489% | 3,425 |
| Noncurrent loans to loans | 0.2352% | 3,264 |
| Net loans and leases to total assets | 62.4214% | 2,243 |
| Net loans and leases to deposits | 72.0201% | 2,316 |
| Net loans and leases to core deposits | 73.7963% | 2,531 |
| Total domestic deposits to total assets | 86.6722% | 2,454 |
| Equity capital to assets | 12.0897% | 1,248 |
| Core capital (leverage) ratio | 12.1818% | 1,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $351,557,500 | 2,182 |
| Average earning assets | $332,083,500 | 2,167 |
| Average equity | $43,088,500 | 1,979 |
| Average total loans | $224,179,500 | 2,124 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8041% | 735 |
| Cost of funding earning assets | 0.6833% | 1,812 |
| Net interest margin | 4.1209% | 750 |
| Noninterest income to average assets | 0.2526% | 3,970 |
| Noninterest expense to average assets | 2.1940% | 3,677 |
| Loan and lease loss provision to assets | 0.1666% | 2,300 |
| Net operating income to assets | 1.7639% | 419 |
| Return on assets (ROA) | 1.8002% | 417 |
| Pretax return on assets | 1.8005% | 684 |
| Return on Equity (ROE) | 13.6233% | 900 |
| Retained earnings to average equity (ytd only) | 2.4483% | 3,633 |
| Net charge-offs to loans | 0.1053% | 1,416 |
| Credit loss provision to net charge-offs | 210.0840% | 2,111 |
| Earnings coverage of net charge-offs (x) | 24.3487% | 1,775 |
| Efficiency ratio | 50.9935% | 4,473 |
| Assets per employee ($millions) | 6.1608% | 2,203 |
| Cash dividends to net income (ytd only)* | 82.0285% | 586 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4629% | 1,721 |
| Loan loss allowance to noncurrent loans | 545.2991% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 3,369 |
| Noncurrent loans to loans | 0.2683% | 3,234 |
| Net loans and leases to total assets | 67.0723% | 1,941 |
| Net loans and leases to deposits | 78.0666% | 2,063 |
| Net loans and leases to core deposits | 80.1848% | 2,348 |
| Total domestic deposits to total assets | 85.9167% | 2,400 |
| Equity capital to assets | 12.5725% | 1,285 |
| Core capital (leverage) ratio | 12.1272% | 1,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $300,135,800 | 2,293 |
| Average earning assets | $282,028,000 | 2,279 |
| Average equity | $39,660,000 | 2,032 |
| Average total loans | $225,939,800 | 2,064 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8034% | 876 |
| Cost of funding earning assets | 0.7288% | 1,863 |
| Net interest margin | 4.0746% | 939 |
| Noninterest income to average assets | 0.2246% | 4,146 |
| Noninterest expense to average assets | 2.1580% | 3,783 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.8910% | 378 |
| Return on assets (ROA) | 1.9321% | 377 |
| Pretax return on assets | 1.9325% | 593 |
| Return on Equity (ROE) | 14.4313% | 810 |
| Retained earnings to average equity (ytd only) | 8.2484% | 1,223 |
| Net charge-offs to loans | 0.0550% | 1,818 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 44.5319% | 1,277 |
| Efficiency ratio | 50.9931% | 4,421 |
| Assets per employee ($millions) | 5.9201% | 2,337 |
| Cash dividends to net income (ytd only)* | 42.8438% | 1,821 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2215% | 2,550 |
| Loan loss allowance to noncurrent loans | 99.4735% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.0264% | 1,067 |
| Noncurrent loans to loans | 1.2280% | 1,243 |
| Net loans and leases to total assets | 75.9041% | 1,108 |
| Net loans and leases to deposits | 90.5825% | 1,215 |
| Net loans and leases to core deposits | 93.3517% | 1,682 |
| Total domestic deposits to total assets | 83.7955% | 2,894 |
| Equity capital to assets | 13.8333% | 901 |
| Core capital (leverage) ratio | 12.9874% | 953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $295,080,000 | 2,302 |
| Average earning assets | $276,992,500 | 2,289 |
| Average equity | $39,505,750 | 2,033 |
| Average total loans | $227,909,250 | 2,046 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8979% | 978 |
| Cost of funding earning assets | 0.7556% | 2,080 |
| Net interest margin | 4.1423% | 1,035 |
| Noninterest income to average assets | 0.2275% | 4,122 |
| Noninterest expense to average assets | 2.2486% | 3,658 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.8613% | 439 |
| Return on assets (ROA) | 1.9235% | 433 |
| Pretax return on assets | 1.9242% | 648 |
| Return on Equity (ROE) | 14.5333% | 787 |
| Retained earnings to average equity (ytd only) | 8.3401% | 1,212 |
| Net charge-offs to loans | 0.0274% | 2,172 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 87.9355% | 759 |
| Efficiency ratio | 52.3762% | 4,332 |
| Assets per employee ($millions) | 6.0938% | 2,097 |
| Cash dividends to net income (ytd only)* | 42.6136% | 1,842 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2249% | 2,384 |
| Loan loss allowance to noncurrent loans | 134.6654% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.6924% | 1,771 |
| Noncurrent loans to loans | 0.9096% | 1,690 |
| Net loans and leases to total assets | 75.1913% | 1,250 |
| Net loans and leases to deposits | 88.6429% | 1,489 |
| Net loans and leases to core deposits | 91.8158% | 1,920 |
| Total domestic deposits to total assets | 84.8249% | 2,461 |
| Equity capital to assets | 12.8922% | 1,212 |
| Core capital (leverage) ratio | 12.5619% | 1,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $292,799,000 | 2,296 |
| Average earning assets | $274,486,000 | 2,282 |
| Average equity | $38,752,333 | 2,049 |
| Average total loans | $226,543,667 | 2,037 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1401% | 740 |
| Cost of funding earning assets | 0.8110% | 2,317 |
| Net interest margin | 4.3290% | 720 |
| Noninterest income to average assets | 0.4031% | 3,075 |
| Noninterest expense to average assets | 2.5764% | 3,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.8576% | 364 |
| Return on assets (ROA) | 1.8576% | 403 |
| Pretax return on assets | 1.8590% | 612 |
| Return on Equity (ROE) | 13.8391% | 729 |
| Retained earnings to average equity (ytd only) | 4.3890% | 2,540 |
| Net charge-offs to loans | 0.0018% | 2,530 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 1,319.0000% | 38 |
| Efficiency ratio | 55.7038% | 4,236 |
| Assets per employee ($millions) | 5.5358% | 2,079 |
| Cash dividends to net income (ytd only)* | 68.2853% | 1,234 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3231% | 2,039 |
| Loan loss allowance to noncurrent loans | 224.0429% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.4945% | 2,514 |
| Noncurrent loans to loans | 0.5906% | 2,527 |
| Net loans and leases to total assets | 77.2915% | 1,086 |
| Net loans and leases to deposits | 92.1341% | 1,266 |
| Net loans and leases to core deposits | 95.9166% | 1,797 |
| Total domestic deposits to total assets | 83.8903% | 2,823 |
| Equity capital to assets | 13.5754% | 1,190 |
| Core capital (leverage) ratio | 12.8795% | 1,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $283,805,500 | 2,297 |
| Average earning assets | $264,354,000 | 2,295 |
| Average equity | $38,095,000 | 2,064 |
| Average total loans | $221,524,500 | 2,042 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3106% | 801 |
| Cost of funding earning assets | 0.7449% | 2,946 |
| Net interest margin | 4.5657% | 615 |
| Noninterest income to average assets | 0.3504% | 3,605 |
| Noninterest expense to average assets | 1.9795% | 4,561 |
| Loan and lease loss provision to assets | 0.3363% | 466 |
| Net operating income to assets | 2.3017% | 186 |
| Return on assets (ROA) | 2.3017% | 198 |
| Pretax return on assets | 2.3017% | 310 |
| Return on Equity (ROE) | 17.8739% | 349 |
| Retained earnings to average equity (ytd only) | 7.6886% | 1,082 |
| Net charge-offs to loans | 0.2566% | 804 |
| Credit loss provision to net charge-offs | 164.4737% | 1,578 |
| Earnings coverage of net charge-offs (x) | 12.9013% | 2,387 |
| Efficiency ratio | 41.3838% | 5,036 |
| Assets per employee ($millions) | 5.7266% | 1,858 |
| Cash dividends to net income (ytd only)* | 56.9842% | 1,711 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6915% | 816 |
| Loan loss allowance to noncurrent loans | 283.8483% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.4896% | 2,452 |
| Noncurrent loans to loans | 0.5959% | 2,398 |
| Net loans and leases to total assets | 75.9690% | 1,422 |
| Net loans and leases to deposits | 89.3124% | 1,661 |
| Net loans and leases to core deposits | 93.3349% | 2,128 |
| Total domestic deposits to total assets | 85.0599% | 2,469 |
| Equity capital to assets | 12.4521% | 1,846 |
| Core capital (leverage) ratio | 12.1609% | 1,676 |
| Tier 1 risk-based capital ratio | 15.2290% | 2,683 |
| Total risk-based capital ratio | 16.4837% | 2,619 |
| Memoranda: |
| Average total assets | $148,675,000 | 3,318 |
| Average earning assets | $138,948,800 | 3,293 |
| Average equity | $19,145,200 | 3,207 |
| Average total loans | $118,453,400 | 2,960 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3304% | 811 |
| Cost of funding earning assets | 0.7185% | 3,118 |
| Net interest margin | 4.6119% | 604 |
| Noninterest income to average assets | 0.3587% | 3,581 |
| Noninterest expense to average assets | 1.8841% | 4,719 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.7891% | 108 |
| Return on assets (ROA) | 2.7891% | 113 |
| Pretax return on assets | 2.7891% | 153 |
| Return on Equity (ROE) | 21.4728% | 180 |
| Retained earnings to average equity (ytd only) | 21.4728% | 40 |
| Net charge-offs to loans | 0.1827% | 940 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 19.0066% | 2,025 |
| Efficiency ratio | 38.8447% | 5,148 |
| Assets per employee ($millions) | 5.7277% | 1,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3568% | 1,733 |
| Loan loss allowance to noncurrent loans | 330.4175% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.3378% | 3,175 |
| Noncurrent loans to loans | 0.4106% | 3,078 |
| Net loans and leases to total assets | 81.1389% | 691 |
| Net loans and leases to deposits | 101.1045% | 552 |
| Net loans and leases to core deposits | 105.6251% | 1,211 |
| Total domestic deposits to total assets | 80.2525% | 3,936 |
| Equity capital to assets | 14.0384% | 1,136 |
| Core capital (leverage) ratio | 13.4346% | 1,153 |
| Tier 1 risk-based capital ratio | 13.4346% | 3,607 |
| Total risk-based capital ratio | 14.5427% | 3,594 |
| Memoranda: |
| Average total assets | $147,189,500 | 3,374 |
| Average earning assets | $137,698,000 | 3,346 |
| Average equity | $19,118,250 | 3,238 |
| Average total loans | $118,196,250 | 2,990 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1654% | 1,053 |
| Cost of funding earning assets | 0.6583% | 3,364 |
| Net interest margin | 4.5071% | 761 |
| Noninterest income to average assets | 0.3547% | 3,565 |
| Noninterest expense to average assets | 1.9739% | 4,650 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.5919% | 139 |
| Return on assets (ROA) | 2.5919% | 143 |
| Pretax return on assets | 2.5932% | 209 |
| Return on Equity (ROE) | 20.5158% | 223 |
| Retained earnings to average equity (ytd only) | 20.5158% | 54 |
| Net charge-offs to loans | 0.1456% | 1,065 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 22.3647% | 1,696 |
| Efficiency ratio | 41.6965% | 5,123 |
| Assets per employee ($millions) | 5.9198% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4402% | 1,460 |
| Loan loss allowance to noncurrent loans | 256.1119% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.4588% | 2,687 |
| Noncurrent loans to loans | 0.5623% | 2,578 |
| Net loans and leases to total assets | 80.4110% | 819 |
| Net loans and leases to deposits | 96.2178% | 1,012 |
| Net loans and leases to core deposits | 99.9194% | 1,728 |
| Total domestic deposits to total assets | 83.5719% | 3,021 |
| Equity capital to assets | 13.2821% | 1,446 |
| Core capital (leverage) ratio | 12.9364% | 1,327 |
| Tier 1 risk-based capital ratio | 15.8898% | 2,463 |
| Total risk-based capital ratio | 17.1427% | 2,400 |
| Memoranda: |
| Average total assets | $146,612,670 | 3,393 |
| Average earning assets | $137,027,670 | 3,379 |
| Average equity | $18,522,330 | 3,293 |
| Average total loans | $116,763,670 | 3,016 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1319% | 1,037 |
| Cost of funding earning assets | 0.6261% | 3,431 |
| Net interest margin | 4.5059% | 733 |
| Noninterest income to average assets | 0.3564% | 3,470 |
| Noninterest expense to average assets | 1.9654% | 4,706 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.5904% | 141 |
| Return on assets (ROA) | 2.5904% | 150 |
| Pretax return on assets | 2.5932% | 215 |
| Return on Equity (ROE) | 21.0526% | 210 |
| Retained earnings to average equity (ytd only) | 21.0526% | 85 |
| Net charge-offs to loans | 0.1673% | 813 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 19.7083% | 1,586 |
| Efficiency ratio | 41.6115% | 5,171 |
| Assets per employee ($millions) | 6.0219% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5674% | 1,137 |
| Loan loss allowance to noncurrent loans | 228.5714% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.5528% | 2,434 |
| Noncurrent loans to loans | 0.6857% | 2,304 |
| Net loans and leases to total assets | 77.1707% | 1,296 |
| Net loans and leases to deposits | 88.9920% | 1,748 |
| Net loans and leases to core deposits | 92.6191% | 2,247 |
| Total domestic deposits to total assets | 86.7165% | 1,951 |
| Equity capital to assets | 12.8089% | 1,563 |
| Core capital (leverage) ratio | 12.4676% | 1,535 |
| Tier 1 risk-based capital ratio | 15.6951% | 2,571 |
| Total risk-based capital ratio | 16.9487% | 2,491 |
| Memoranda: |
| Average total assets | $145,921,000 | 3,433 |
| Average earning assets | $136,089,000 | 3,424 |
| Average equity | $17,955,000 | 3,357 |
| Average total loans | $114,773,500 | 3,084 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9126% | 1,249 |
| Cost of funding earning assets | 0.5683% | 2,934 |
| Net interest margin | 4.3443% | 1,054 |
| Noninterest income to average assets | 0.3494% | 3,769 |
| Noninterest expense to average assets | 1.9503% | 4,823 |
| Loan and lease loss provision to assets | 0.1696% | 1,183 |
| Net operating income to assets | 2.3058% | 217 |
| Return on assets (ROA) | 2.3058% | 205 |
| Pretax return on assets | 2.3058% | 292 |
| Return on Equity (ROE) | 19.0339% | 310 |
| Retained earnings to average equity (ytd only) | 1.9543% | 4,369 |
| Net charge-offs to loans | 0.1887% | 1,017 |
| Credit loss provision to net charge-offs | 114.6789% | 2,265 |
| Earnings coverage of net charge-offs (x) | 16.7385% | 2,230 |
| Efficiency ratio | 42.5046% | 5,230 |
| Assets per employee ($millions) | 5.8927% | 1,598 |
| Cash dividends to net income (ytd only)* | 89.7323% | 451 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5692% | 1,097 |
| Loan loss allowance to noncurrent loans | 171.2676% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.8186% | 1,707 |
| Noncurrent loans to loans | 0.9162% | 1,749 |
| Net loans and leases to total assets | 77.6665% | 1,326 |
| Net loans and leases to deposits | 88.5374% | 1,988 |
| Net loans and leases to core deposits | 91.3895% | 2,461 |
| Total domestic deposits to total assets | 87.7217% | 1,440 |
| Equity capital to assets | 11.8099% | 2,024 |
| Core capital (leverage) ratio | 11.5899% | 2,031 |
| Tier 1 risk-based capital ratio | 14.6183% | 3,011 |
| Total risk-based capital ratio | 15.8723% | 2,931 |
| Memoranda: |
| Average total assets | $147,409,800 | 3,413 |
| Average earning assets | $138,318,200 | 3,382 |
| Average equity | $17,857,600 | 3,306 |
| Average total loans | $115,557,600 | 3,051 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8294% | 1,347 |
| Cost of funding earning assets | 0.5462% | 2,884 |
| Net interest margin | 4.2832% | 1,155 |
| Noninterest income to average assets | 0.3509% | 3,785 |
| Noninterest expense to average assets | 1.8548% | 4,968 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.5313% | 153 |
| Return on assets (ROA) | 2.5313% | 151 |
| Pretax return on assets | 2.5313% | 217 |
| Return on Equity (ROE) | 20.7646% | 228 |
| Retained earnings to average equity (ytd only) | 13.8653% | 268 |
| Net charge-offs to loans | 0.1352% | 1,195 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 23.9225% | 1,832 |
| Efficiency ratio | 40.7216% | 5,313 |
| Assets per employee ($millions) | 5.8544% | 1,602 |
| Cash dividends to net income (ytd only)* | 33.2261% | 2,395 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4105% | 1,656 |
| Loan loss allowance to noncurrent loans | 201.3221% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.6983% | 2,106 |
| Noncurrent loans to loans | 0.7006% | 2,324 |
| Net loans and leases to total assets | 79.9917% | 1,022 |
| Net loans and leases to deposits | 97.1907% | 1,026 |
| Net loans and leases to core deposits | 104.4827% | 1,421 |
| Total domestic deposits to total assets | 82.3038% | 3,519 |
| Equity capital to assets | 12.8137% | 1,413 |
| Core capital (leverage) ratio | 12.5546% | 1,469 |
| Tier 1 risk-based capital ratio | 15.6070% | 2,599 |
| Total risk-based capital ratio | 16.8587% | 2,539 |
| Memoranda: |
| Average total assets | $147,433,000 | 3,451 |
| Average earning assets | $138,894,750 | 3,408 |
| Average equity | $17,972,500 | 3,321 |
| Average total loans | $115,387,000 | 3,073 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6677% | 1,587 |
| Cost of funding earning assets | 0.5100% | 2,931 |
| Net interest margin | 4.1577% | 1,387 |
| Noninterest income to average assets | 0.3559% | 3,780 |
| Noninterest expense to average assets | 1.8567% | 5,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.4156% | 171 |
| Return on assets (ROA) | 2.4156% | 169 |
| Pretax return on assets | 2.4156% | 264 |
| Return on Equity (ROE) | 20.1558% | 254 |
| Retained earnings to average equity (ytd only) | 13.3808% | 329 |
| Net charge-offs to loans | 0.2520% | 632 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 12.3958% | 2,208 |
| Efficiency ratio | 41.8435% | 5,354 |
| Assets per employee ($millions) | 5.8565% | 1,595 |
| Cash dividends to net income (ytd only)* | 33.6134% | 2,414 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4147% | 1,701 |
| Loan loss allowance to noncurrent loans | 131.9456% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 1.1003% | 1,346 |
| Noncurrent loans to loans | 1.0722% | 1,646 |
| Net loans and leases to total assets | 78.4363% | 1,249 |
| Net loans and leases to deposits | 89.9409% | 1,847 |
| Net loans and leases to core deposits | 96.3860% | 2,024 |
| Total domestic deposits to total assets | 87.2088% | 1,756 |
| Equity capital to assets | 12.4231% | 1,583 |
| Core capital (leverage) ratio | 11.9702% | 1,732 |
| Tier 1 risk-based capital ratio | 15.2656% | 2,750 |
| Total risk-based capital ratio | 16.5180% | 2,678 |
| Memoranda: |
| Average total assets | $147,791,000 | 3,467 |
| Average earning assets | $139,212,670 | 3,419 |
| Average equity | $17,712,000 | 3,364 |
| Average total loans | $114,266,000 | 3,104 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5208% | 1,803 |
| Cost of funding earning assets | 0.4819% | 2,941 |
| Net interest margin | 4.0389% | 1,599 |
| Noninterest income to average assets | 0.3125% | 4,064 |
| Noninterest expense to average assets | 1.9046% | 5,012 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.2010% | 247 |
| Return on assets (ROA) | 2.2010% | 247 |
| Pretax return on assets | 2.2010% | 382 |
| Return on Equity (ROE) | 18.7026% | 339 |
| Retained earnings to average equity (ytd only) | 14.1242% | 399 |
| Net charge-offs to loans | 0.0848% | 1,300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 34.0417% | 1,165 |
| Efficiency ratio | 44.7507% | 5,327 |
| Assets per employee ($millions) | 5.8927% | 1,610 |
| Cash dividends to net income (ytd only)* | 24.4798% | 2,294 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5867% | 1,190 |
| Loan loss allowance to noncurrent loans | 97.1429% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 1.4818% | 949 |
| Noncurrent loans to loans | 1.6334% | 1,062 |
| Net loans and leases to total assets | 74.4356% | 1,796 |
| Net loans and leases to deposits | 84.9166% | 2,298 |
| Net loans and leases to core deposits | 90.2883% | 2,427 |
| Total domestic deposits to total assets | 87.6573% | 1,812 |
| Equity capital to assets | 11.9972% | 1,790 |
| Core capital (leverage) ratio | 11.5734% | 1,958 |
| Tier 1 risk-based capital ratio | 15.1301% | 2,817 |
| Total risk-based capital ratio | 16.3835% | 2,749 |
| Memoranda: |
| Average total assets | $148,480,000 | 3,485 |
| Average earning assets | $139,443,000 | 3,456 |
| Average equity | $17,473,500 | 3,421 |
| Average total loans | $113,154,500 | 3,142 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7518% | 1,071 |
| Cost of funding earning assets | 0.4789% | 2,515 |
| Net interest margin | 4.2729% | 1,027 |
| Noninterest income to average assets | 0.3701% | 3,821 |
| Noninterest expense to average assets | 1.8961% | 5,116 |
| Loan and lease loss provision to assets | 0.2064% | 987 |
| Net operating income to assets | 2.2821% | 166 |
| Return on assets (ROA) | 2.3041% | 159 |
| Pretax return on assets | 2.3041% | 262 |
| Return on Equity (ROE) | 20.1139% | 191 |
| Retained earnings to average equity (ytd only) | 9.2732% | 461 |
| Net charge-offs to loans | 0.2228% | 1,165 |
| Credit loss provision to net charge-offs | 117.1875% | 2,231 |
| Earnings coverage of net charge-offs (x) | 14.1289% | 2,350 |
| Efficiency ratio | 41.6444% | 5,499 |
| Assets per employee ($millions) | 5.7555% | 1,706 |
| Cash dividends to net income (ytd only)* | 53.8967% | 2,077 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5598% | 1,243 |
| Loan loss allowance to noncurrent loans | 108.5403% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 1.1033% | 1,376 |
| Noncurrent loans to loans | 1.4371% | 1,193 |
| Net loans and leases to total assets | 75.5750% | 1,672 |
| Net loans and leases to deposits | 85.8214% | 2,282 |
| Net loans and leases to core deposits | 90.1929% | 2,551 |
| Total domestic deposits to total assets | 88.0608% | 1,469 |
| Equity capital to assets | 11.5429% | 2,169 |
| Core capital (leverage) ratio | 11.2802% | 2,107 |
| Tier 1 risk-based capital ratio | 14.3787% | 3,156 |
| Total risk-based capital ratio | 15.6322% | 3,062 |
| Memoranda: |
| Average total assets | $145,350,000 | 3,536 |
| Average earning assets | $136,559,600 | 3,499 |
| Average equity | $16,650,200 | 3,518 |
| Average total loans | $114,925,800 | 3,121 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7523% | 1,022 |
| Cost of funding earning assets | 0.4718% | 2,502 |
| Net interest margin | 4.2805% | 970 |
| Noninterest income to average assets | 0.3891% | 3,759 |
| Noninterest expense to average assets | 1.8714% | 5,172 |
| Loan and lease loss provision to assets | 0.1386% | 1,540 |
| Net operating income to assets | 2.4036% | 155 |
| Return on assets (ROA) | 2.4036% | 157 |
| Pretax return on assets | 2.4036% | 252 |
| Return on Equity (ROE) | 21.0246% | 173 |
| Retained earnings to average equity (ytd only) | 6.4343% | 1,994 |
| Net charge-offs to loans | 0.2540% | 855 |
| Credit loss provision to net charge-offs | 68.4932% | 2,711 |
| Earnings coverage of net charge-offs (x) | 12.5618% | 2,420 |
| Efficiency ratio | 40.8082% | 5,562 |
| Assets per employee ($millions) | 5.6606% | 1,768 |
| Cash dividends to net income (ytd only)* | 69.3966% | 989 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3961% | 1,911 |
| Loan loss allowance to noncurrent loans | 97.2769% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.1728% | 1,406 |
| Noncurrent loans to loans | 1.4352% | 1,303 |
| Net loans and leases to total assets | 80.5755% | 904 |
| Net loans and leases to deposits | 98.3855% | 880 |
| Net loans and leases to core deposits | 104.7413% | 1,346 |
| Total domestic deposits to total assets | 81.8977% | 3,811 |
| Equity capital to assets | 11.2573% | 2,613 |
| Core capital (leverage) ratio | 10.7630% | 2,684 |
| Tier 1 risk-based capital ratio | 13.4895% | 3,712 |
| Total risk-based capital ratio | 14.7420% | 3,621 |
| Memoranda: |
| Average total assets | $144,277,000 | 3,574 |
| Average earning assets | $135,649,250 | 3,539 |
| Average equity | $16,494,500 | 3,569 |
| Average total loans | $114,936,250 | 3,149 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6401% | 1,177 |
| Cost of funding earning assets | 0.4493% | 2,611 |
| Net interest margin | 4.1908% | 1,092 |
| Noninterest income to average assets | 0.3098% | 4,321 |
| Noninterest expense to average assets | 1.8603% | 5,241 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.3934% | 152 |
| Return on assets (ROA) | 2.3934% | 151 |
| Pretax return on assets | 2.3934% | 252 |
| Return on Equity (ROE) | 20.8257% | 186 |
| Retained earnings to average equity (ytd only) | 14.9970% | 138 |
| Net charge-offs to loans | 0.2686% | 758 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 11.2829% | 2,286 |
| Efficiency ratio | 42.0604% | 5,572 |
| Assets per employee ($millions) | 5.5696% | 1,809 |
| Cash dividends to net income (ytd only)* | 27.9883% | 2,840 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3464% | 2,190 |
| Loan loss allowance to noncurrent loans | 125.0784% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.9937% | 1,763 |
| Noncurrent loans to loans | 1.0764% | 1,821 |
| Net loans and leases to total assets | 80.7575% | 839 |
| Net loans and leases to deposits | 94.1238% | 1,247 |
| Net loans and leases to core deposits | 99.6617% | 1,670 |
| Total domestic deposits to total assets | 85.7993% | 2,474 |
| Equity capital to assets | 11.8666% | 2,029 |
| Core capital (leverage) ratio | 11.2693% | 2,157 |
| Tier 1 risk-based capital ratio | 14.0876% | 3,382 |
| Total risk-based capital ratio | 15.3396% | 3,294 |
| Memoranda: |
| Average total assets | $143,311,000 | 3,609 |
| Average earning assets | $134,867,670 | 3,575 |
| Average equity | $16,470,000 | 3,582 |
| Average total loans | $113,159,670 | 3,176 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5493% | 1,260 |
| Cost of funding earning assets | 0.4454% | 2,567 |
| Net interest margin | 4.1039% | 1,207 |
| Noninterest income to average assets | 0.3535% | 4,012 |
| Noninterest expense to average assets | 1.9613% | 5,126 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.2446% | 212 |
| Return on assets (ROA) | 2.2446% | 217 |
| Pretax return on assets | 2.2446% | 330 |
| Return on Equity (ROE) | 19.8597% | 234 |
| Retained earnings to average equity (ytd only) | 16.1360% | 195 |
| Net charge-offs to loans | 0.1086% | 1,303 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 26.6667% | 1,295 |
| Efficiency ratio | 44.9633% | 5,566 |
| Assets per employee ($millions) | 5.4626% | 1,927 |
| Cash dividends to net income (ytd only)* | 18.7500% | 2,557 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5595% | 1,482 |
| Loan loss allowance to noncurrent loans | 221.3918% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.6611% | 2,654 |
| Noncurrent loans to loans | 0.7044% | 2,729 |
| Net loans and leases to total assets | 76.3554% | 1,354 |
| Net loans and leases to deposits | 86.6639% | 1,958 |
| Net loans and leases to core deposits | 91.6742% | 2,199 |
| Total domestic deposits to total assets | 88.1052% | 1,654 |
| Equity capital to assets | 11.6033% | 2,113 |
| Core capital (leverage) ratio | 11.0536% | 2,308 |
| Tier 1 risk-based capital ratio | 14.3472% | 3,284 |
| Total risk-based capital ratio | 15.6013% | 3,200 |
| Memoranda: |
| Average total assets | $142,561,500 | 3,658 |
| Average earning assets | $133,822,500 | 3,629 |
| Average equity | $16,113,000 | 3,647 |
| Average total loans | $110,469,000 | 3,244 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7165% | 1,036 |
| Cost of funding earning assets | 0.4456% | 2,574 |
| Net interest margin | 4.2709% | 982 |
| Noninterest income to average assets | 0.3814% | 4,024 |
| Noninterest expense to average assets | 1.8847% | 5,382 |
| Loan and lease loss provision to assets | 0.3480% | 491 |
| Net operating income to assets | 2.1582% | 240 |
| Return on assets (ROA) | 2.1909% | 241 |
| Pretax return on assets | 2.1909% | 335 |
| Return on Equity (ROE) | 19.3376% | 243 |
| Retained earnings to average equity (ytd only) | 4.2570% | 2,879 |
| Net charge-offs to loans | 0.1222% | 2,037 |
| Credit loss provision to net charge-offs | 359.7122% | 856 |
| Earnings coverage of net charge-offs (x) | 25.9065% | 1,568 |
| Efficiency ratio | 42.9228% | 5,726 |
| Assets per employee ($millions) | 5.7238% | 1,675 |
| Cash dividends to net income (ytd only)* | 77.9860% | 980 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5780% | 1,427 |
| Loan loss allowance to noncurrent loans | 256.6814% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.5898% | 2,964 |
| Noncurrent loans to loans | 0.6148% | 3,006 |
| Net loans and leases to total assets | 76.1913% | 1,483 |
| Net loans and leases to deposits | 85.9481% | 2,178 |
| Net loans and leases to core deposits | 90.8346% | 2,421 |
| Total domestic deposits to total assets | 88.6481% | 1,295 |
| Equity capital to assets | 11.0039% | 2,624 |
| Core capital (leverage) ratio | 10.3751% | 3,023 |
| Tier 1 risk-based capital ratio | 13.5641% | 3,731 |
| Total risk-based capital ratio | 14.8181% | 3,634 |
| Memoranda: |
| Average total assets | $143,685,600 | 3,613 |
| Average earning assets | $134,889,400 | 3,573 |
| Average equity | $16,279,200 | 3,654 |
| Average total loans | $113,740,400 | 3,159 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6885% | 1,095 |
| Cost of funding earning assets | 0.4398% | 2,641 |
| Net interest margin | 4.2487% | 1,030 |
| Noninterest income to average assets | 0.3958% | 3,948 |
| Noninterest expense to average assets | 1.8243% | 5,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.5659% | 146 |
| Return on assets (ROA) | 2.6104% | 142 |
| Pretax return on assets | 2.6104% | 185 |
| Return on Equity (ROE) | 22.8763% | 131 |
| Retained earnings to average equity (ytd only) | 16.3368% | 103 |
| Net charge-offs to loans | 0.0384% | 2,863 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 83.8766% | 749 |
| Efficiency ratio | 41.5541% | 5,797 |
| Assets per employee ($millions) | 5.9223% | 1,496 |
| Cash dividends to net income (ytd only)* | 28.5868% | 2,886 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1394% | 3,620 |
| Loan loss allowance to noncurrent loans | 94.0278% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 1.0908% | 1,874 |
| Noncurrent loans to loans | 1.2118% | 1,851 |
| Net loans and leases to total assets | 79.3478% | 991 |
| Net loans and leases to deposits | 97.4396% | 904 |
| Net loans and leases to core deposits | 103.2991% | 1,392 |
| Total domestic deposits to total assets | 81.4328% | 4,125 |
| Equity capital to assets | 11.7603% | 2,294 |
| Core capital (leverage) ratio | 11.1443% | 2,316 |
| Tier 1 risk-based capital ratio | 13.9926% | 3,560 |
| Total risk-based capital ratio | 15.1483% | 3,539 |
| Memoranda: |
| Average total assets | $143,833,250 | 3,629 |
| Average earning assets | $135,220,750 | 3,582 |
| Average equity | $16,412,500 | 3,671 |
| Average total loans | $114,482,000 | 3,161 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6274% | 1,210 |
| Cost of funding earning assets | 0.4260% | 2,768 |
| Net interest margin | 4.2015% | 1,112 |
| Noninterest income to average assets | 0.3918% | 3,934 |
| Noninterest expense to average assets | 1.8578% | 5,525 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.4813% | 158 |
| Return on assets (ROA) | 2.5290% | 148 |
| Pretax return on assets | 2.5290% | 208 |
| Return on Equity (ROE) | 22.4014% | 143 |
| Retained earnings to average equity (ytd only) | 17.7371% | 86 |
| Net charge-offs to loans | 0.0018% | 3,647 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1,767.0000% | 25 |
| Efficiency ratio | 42.8155% | 5,845 |
| Assets per employee ($millions) | 5.8527% | 1,509 |
| Cash dividends to net income (ytd only)* | 20.8218% | 3,169 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1723% | 3,514 |
| Loan loss allowance to noncurrent loans | 127.0394% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.8652% | 2,433 |
| Noncurrent loans to loans | 0.9228% | 2,428 |
| Net loans and leases to total assets | 79.8554% | 936 |
| Net loans and leases to deposits | 98.8971% | 796 |
| Net loans and leases to core deposits | 104.9275% | 1,256 |
| Total domestic deposits to total assets | 80.7459% | 4,347 |
| Equity capital to assets | 11.5448% | 2,497 |
| Core capital (leverage) ratio | 11.0718% | 2,362 |
| Tier 1 risk-based capital ratio | 13.6479% | 3,801 |
| Total risk-based capital ratio | 14.8457% | 3,761 |
| Memoranda: |
| Average total assets | $142,425,330 | 3,667 |
| Average earning assets | $133,810,330 | 3,633 |
| Average equity | $16,079,330 | 3,719 |
| Average total loans | $113,031,330 | 3,189 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6372% | 1,168 |
| Cost of funding earning assets | 0.4309% | 2,764 |
| Net interest margin | 4.2063% | 1,083 |
| Noninterest income to average assets | 0.3872% | 3,924 |
| Noninterest expense to average assets | 1.9505% | 5,432 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.3833% | 186 |
| Return on assets (ROA) | 2.4801% | 165 |
| Pretax return on assets | 2.4801% | 244 |
| Return on Equity (ROE) | 22.2293% | 154 |
| Retained earnings to average equity (ytd only) | 18.4011% | 122 |
| Net charge-offs to loans | -0.0036% | 4,214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0066% | 5,843 |
| Assets per employee ($millions) | 5.6161% | 1,730 |
| Cash dividends to net income (ytd only)* | 17.2216% | 2,594 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2422% | 3,243 |
| Loan loss allowance to noncurrent loans | 78.4624% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 1.3846% | 1,505 |
| Noncurrent loans to loans | 1.5832% | 1,469 |
| Net loans and leases to total assets | 78.5952% | 1,013 |
| Net loans and leases to deposits | 91.8558% | 1,365 |
| Net loans and leases to core deposits | 96.2025% | 1,774 |
| Total domestic deposits to total assets | 85.5637% | 2,879 |
| Equity capital to assets | 11.4777% | 2,459 |
| Core capital (leverage) ratio | 10.7767% | 2,643 |
| Tier 1 risk-based capital ratio | 13.4529% | 4,006 |
| Total risk-based capital ratio | 14.6917% | 3,940 |
| Memoranda: |
| Average total assets | $140,479,500 | 3,733 |
| Average earning assets | $131,803,000 | 3,692 |
| Average equity | $15,673,000 | 3,783 |
| Average total loans | $110,433,000 | 3,234 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5365% | 1,497 |
| Cost of funding earning assets | 0.4537% | 2,592 |
| Net interest margin | 4.0828% | 1,451 |
| Noninterest income to average assets | 0.3723% | 4,245 |
| Noninterest expense to average assets | 1.8301% | 5,701 |
| Loan and lease loss provision to assets | 0.3559% | 407 |
| Net operating income to assets | 2.0166% | 336 |
| Return on assets (ROA) | 2.0259% | 340 |
| Pretax return on assets | 2.0259% | 513 |
| Return on Equity (ROE) | 18.7496% | 329 |
| Retained earnings to average equity (ytd only) | 5.9029% | 1,840 |
| Net charge-offs to loans | 0.2212% | 1,338 |
| Credit loss provision to net charge-offs | 215.5172% | 1,318 |
| Earnings coverage of net charge-offs (x) | 14.3664% | 2,307 |
| Efficiency ratio | 43.5467% | 5,989 |
| Assets per employee ($millions) | 5.6222% | 1,685 |
| Cash dividends to net income (ytd only)* | 68.5172% | 1,320 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2710% | 3,062 |
| Loan loss allowance to noncurrent loans | 173.3750% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.6937% | 2,967 |
| Noncurrent loans to loans | 0.7331% | 2,982 |
| Net loans and leases to total assets | 76.6534% | 1,315 |
| Net loans and leases to deposits | 87.7613% | 1,907 |
| Net loans and leases to core deposits | 90.0694% | 2,398 |
| Total domestic deposits to total assets | 87.3431% | 1,957 |
| Equity capital to assets | 10.8363% | 2,991 |
| Core capital (leverage) ratio | 10.1421% | 3,331 |
| Tier 1 risk-based capital ratio | 13.0878% | 4,253 |
| Total risk-based capital ratio | 14.3377% | 4,168 |
| Memoranda: |
| Average total assets | $140,483,400 | 3,715 |
| Average earning assets | $131,796,600 | 3,663 |
| Average equity | $15,179,000 | 3,811 |
| Average total loans | $104,868,200 | 3,303 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5446% | 1,472 |
| Cost of funding earning assets | 0.4527% | 2,654 |
| Net interest margin | 4.0918% | 1,428 |
| Noninterest income to average assets | 0.3322% | 4,565 |
| Noninterest expense to average assets | 1.7807% | 5,802 |
| Loan and lease loss provision to assets | 0.1424% | 1,554 |
| Net operating income to assets | 2.2525% | 232 |
| Return on assets (ROA) | 2.2534% | 245 |
| Pretax return on assets | 2.2534% | 366 |
| Return on Equity (ROE) | 20.8707% | 222 |
| Retained earnings to average equity (ytd only) | 12.7387% | 302 |
| Net charge-offs to loans | 0.2338% | 1,125 |
| Credit loss provision to net charge-offs | 82.4176% | 2,574 |
| Earnings coverage of net charge-offs (x) | 13.8627% | 2,287 |
| Efficiency ratio | 42.6461% | 6,071 |
| Assets per employee ($millions) | 5.7957% | 1,510 |
| Cash dividends to net income (ytd only)* | 38.9637% | 2,355 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9777% | 4,855 |
| Loan loss allowance to noncurrent loans | 170.1095% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.6232% | 3,401 |
| Noncurrent loans to loans | 0.5747% | 3,610 |
| Net loans and leases to total assets | 75.9837% | 1,390 |
| Net loans and leases to deposits | 94.5135% | 1,133 |
| Net loans and leases to core deposits | 97.1412% | 1,773 |
| Total domestic deposits to total assets | 80.3945% | 4,636 |
| Equity capital to assets | 10.9398% | 3,093 |
| Core capital (leverage) ratio | 10.4288% | 3,131 |
| Tier 1 risk-based capital ratio | 13.3042% | 4,249 |
| Total risk-based capital ratio | 14.2687% | 4,344 |
| Memoranda: |
| Average total assets | $140,465,250 | 3,752 |
| Average earning assets | $131,934,250 | 3,696 |
| Average equity | $15,166,000 | 3,845 |
| Average total loans | $103,803,250 | 3,346 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4459% | 1,701 |
| Cost of funding earning assets | 0.4536% | 2,684 |
| Net interest margin | 3.9922% | 1,658 |
| Noninterest income to average assets | 0.3209% | 4,659 |
| Noninterest expense to average assets | 1.8030% | 5,845 |
| Loan and lease loss provision to assets | 0.2158% | 884 |
| Net operating income to assets | 2.0505% | 337 |
| Return on assets (ROA) | 2.0520% | 352 |
| Pretax return on assets | 2.0520% | 543 |
| Return on Equity (ROE) | 19.0927% | 328 |
| Retained earnings to average equity (ytd only) | 14.4065% | 217 |
| Net charge-offs to loans | 0.1085% | 1,911 |
| Credit loss provision to net charge-offs | 272.7273% | 989 |
| Earnings coverage of net charge-offs (x) | 28.6364% | 1,409 |
| Efficiency ratio | 44.3069% | 6,102 |
| Assets per employee ($millions) | 5.8278% | 1,477 |
| Cash dividends to net income (ytd only)* | 24.5442% | 3,025 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1461% | 4,101 |
| Loan loss allowance to noncurrent loans | 173.1812% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.6899% | 3,336 |
| Noncurrent loans to loans | 0.6618% | 3,494 |
| Net loans and leases to total assets | 74.8620% | 1,524 |
| Net loans and leases to deposits | 91.4656% | 1,430 |
| Net loans and leases to core deposits | 93.5377% | 2,002 |
| Total domestic deposits to total assets | 81.8472% | 4,348 |
| Equity capital to assets | 11.0426% | 2,842 |
| Core capital (leverage) ratio | 10.5320% | 2,916 |
| Tier 1 risk-based capital ratio | 13.6528% | 4,124 |
| Total risk-based capital ratio | 14.7873% | 4,130 |
| Memoranda: |
| Average total assets | $138,989,330 | 3,798 |
| Average earning assets | $130,503,670 | 3,741 |
| Average equity | $14,937,670 | 3,904 |
| Average total loans | $101,343,670 | 3,414 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3686% | 1,877 |
| Cost of funding earning assets | 0.4594% | 2,684 |
| Net interest margin | 3.9092% | 1,864 |
| Noninterest income to average assets | 0.3060% | 4,740 |
| Noninterest expense to average assets | 1.8246% | 5,866 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.1422% | 259 |
| Return on assets (ROA) | 2.1422% | 275 |
| Pretax return on assets | 2.1422% | 443 |
| Return on Equity (ROE) | 20.2125% | 261 |
| Retained earnings to average equity (ytd only) | 16.8074% | 188 |
| Net charge-offs to loans | 0.0202% | 2,748 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 148.4000% | 359 |
| Efficiency ratio | 45.9971% | 6,102 |
| Assets per employee ($millions) | 5.6732% | 1,650 |
| Cash dividends to net income (ytd only)* | 16.8464% | 2,607 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1175% | 4,427 |
| Loan loss allowance to noncurrent loans | 334.5345% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.4385% | 4,282 |
| Noncurrent loans to loans | 0.3341% | 4,589 |
| Net loans and leases to total assets | 72.3949% | 1,749 |
| Net loans and leases to deposits | 85.2328% | 1,926 |
| Net loans and leases to core deposits | 87.2633% | 2,408 |
| Total domestic deposits to total assets | 84.9379% | 3,438 |
| Equity capital to assets | 11.0491% | 2,923 |
| Core capital (leverage) ratio | 10.0941% | 3,485 |
| Tier 1 risk-based capital ratio | 13.1658% | 4,522 |
| Total risk-based capital ratio | 14.2329% | 4,531 |
| Memoranda: |
| Average total assets | $138,550,000 | 3,830 |
| Average earning assets | $129,745,500 | 3,789 |
| Average equity | $14,684,000 | 3,963 |
| Average total loans | $99,054,500 | 3,474 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3870% | 2,262 |
| Cost of funding earning assets | 0.4899% | 2,773 |
| Net interest margin | 3.8971% | 2,255 |
| Noninterest income to average assets | 0.3182% | 4,842 |
| Noninterest expense to average assets | 1.8734% | 5,965 |
| Loan and lease loss provision to assets | 0.4627% | 355 |
| Net operating income to assets | 1.6229% | 676 |
| Return on assets (ROA) | 1.6421% | 677 |
| Pretax return on assets | 1.6421% | 1,118 |
| Return on Equity (ROE) | 16.0655% | 616 |
| Retained earnings to average equity (ytd only) | 2.2423% | 4,647 |
| Net charge-offs to loans | 0.4484% | 939 |
| Credit loss provision to net charge-offs | 151.1628% | 1,598 |
| Earnings coverage of net charge-offs (x) | 6.8140% | 3,134 |
| Efficiency ratio | 47.3211% | 6,215 |
| Assets per employee ($millions) | 5.6378% | 1,660 |
| Cash dividends to net income (ytd only)* | 86.0425% | 695 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1369% | 4,352 |
| Loan loss allowance to noncurrent loans | 242.7332% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.5144% | 4,087 |
| Noncurrent loans to loans | 0.4684% | 4,248 |
| Net loans and leases to total assets | 69.0388% | 2,389 |
| Net loans and leases to deposits | 77.1077% | 3,070 |
| Net loans and leases to core deposits | 78.8139% | 3,434 |
| Total domestic deposits to total assets | 89.5356% | 956 |
| Equity capital to assets | 10.1629% | 3,901 |
| Core capital (leverage) ratio | 9.5269% | 4,203 |
| Tier 1 risk-based capital ratio | 13.3495% | 4,509 |
| Total risk-based capital ratio | 14.4631% | 4,502 |
| Memoranda: |
| Average total assets | $140,492,400 | 3,794 |
| Average earning assets | $131,250,200 | 3,737 |
| Average equity | $14,360,000 | 3,965 |
| Average total loans | $95,895,600 | 3,505 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3589% | 2,391 |
| Cost of funding earning assets | 0.4939% | 2,824 |
| Net interest margin | 3.8650% | 2,372 |
| Noninterest income to average assets | 0.3248% | 4,832 |
| Noninterest expense to average assets | 1.8321% | 6,047 |
| Loan and lease loss provision to assets | 0.2849% | 711 |
| Net operating income to assets | 1.8198% | 498 |
| Return on assets (ROA) | 1.8198% | 512 |
| Pretax return on assets | 1.8198% | 853 |
| Return on Equity (ROE) | 17.7786% | 464 |
| Retained earnings to average equity (ytd only) | 7.4789% | 1,582 |
| Net charge-offs to loans | 0.1973% | 1,894 |
| Credit loss provision to net charge-offs | 212.7660% | 1,208 |
| Earnings coverage of net charge-offs (x) | 15.7159% | 2,037 |
| Efficiency ratio | 46.5380% | 6,265 |
| Assets per employee ($millions) | 5.6584% | 1,589 |
| Cash dividends to net income (ytd only)* | 57.9331% | 1,475 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0638% | 4,929 |
| Loan loss allowance to noncurrent loans | 123.0233% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.7946% | 3,435 |
| Noncurrent loans to loans | 0.8647% | 3,403 |
| Net loans and leases to total assets | 69.5596% | 2,263 |
| Net loans and leases to deposits | 83.3290% | 2,252 |
| Net loans and leases to core deposits | 85.4470% | 2,724 |
| Total domestic deposits to total assets | 83.4759% | 3,961 |
| Equity capital to assets | 10.4941% | 3,568 |
| Core capital (leverage) ratio | 9.7986% | 3,941 |
| Tier 1 risk-based capital ratio | 13.5632% | 4,497 |
| Total risk-based capital ratio | 14.5958% | 4,576 |
| Memoranda: |
| Average total assets | $140,379,500 | 3,820 |
| Average earning assets | $131,191,000 | 3,764 |
| Average equity | $14,369,000 | 3,989 |
| Average total loans | $95,263,250 | 3,554 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2856% | 2,634 |
| Cost of funding earning assets | 0.4959% | 2,874 |
| Net interest margin | 3.7897% | 2,603 |
| Noninterest income to average assets | 0.3128% | 4,915 |
| Noninterest expense to average assets | 1.8383% | 6,091 |
| Loan and lease loss provision to assets | 0.4285% | 386 |
| Net operating income to assets | 1.5826% | 738 |
| Return on assets (ROA) | 1.5826% | 770 |
| Pretax return on assets | 1.5826% | 1,301 |
| Return on Equity (ROE) | 15.5943% | 697 |
| Retained earnings to average equity (ytd only) | 7.0794% | 1,731 |
| Net charge-offs to loans | 0.2216% | 1,707 |
| Credit loss provision to net charge-offs | 288.4615% | 886 |
| Earnings coverage of net charge-offs (x) | 13.5385% | 1,971 |
| Efficiency ratio | 47.7551% | 6,301 |
| Assets per employee ($millions) | 5.5918% | 1,612 |
| Cash dividends to net income (ytd only)* | 54.6029% | 1,726 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1317% | 4,754 |
| Loan loss allowance to noncurrent loans | 208.9695% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.5780% | 4,253 |
| Noncurrent loans to loans | 0.5416% | 4,386 |
| Net loans and leases to total assets | 68.4321% | 2,340 |
| Net loans and leases to deposits | 79.2117% | 2,627 |
| Net loans and leases to core deposits | 81.1792% | 3,079 |
| Total domestic deposits to total assets | 86.3914% | 2,826 |
| Equity capital to assets | 10.3982% | 3,565 |
| Core capital (leverage) ratio | 9.7316% | 3,997 |
| Tier 1 risk-based capital ratio | 13.5617% | 4,547 |
| Total risk-based capital ratio | 14.6541% | 4,595 |
| Memoranda: |
| Average total assets | $140,019,330 | 3,849 |
| Average earning assets | $130,669,330 | 3,795 |
| Average equity | $14,210,330 | 4,009 |
| Average total loans | $93,865,330 | 3,595 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2609% | 2,662 |
| Cost of funding earning assets | 0.4977% | 2,929 |
| Net interest margin | 3.7632% | 2,623 |
| Noninterest income to average assets | 0.2912% | 5,046 |
| Noninterest expense to average assets | 1.8554% | 6,135 |
| Loan and lease loss provision to assets | 0.8563% | 135 |
| Net operating income to assets | 1.0761% | 1,912 |
| Return on assets (ROA) | 1.0761% | 1,977 |
| Pretax return on assets | 1.0761% | 3,012 |
| Return on Equity (ROE) | 10.7350% | 1,784 |
| Retained earnings to average equity (ytd only) | 7.0333% | 2,034 |
| Net charge-offs to loans | 0.3722% | 969 |
| Credit loss provision to net charge-offs | 348.8372% | 718 |
| Earnings coverage of net charge-offs (x) | 7.8721% | 2,079 |
| Efficiency ratio | 48.9827% | 6,316 |
| Assets per employee ($millions) | 5.5439% | 1,669 |
| Cash dividends to net income (ytd only)* | 34.4828% | 2,168 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2151% | 4,569 |
| Loan loss allowance to noncurrent loans | 251.8100% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.5707% | 4,432 |
| Noncurrent loans to loans | 0.4825% | 4,713 |
| Net loans and leases to total assets | 65.2881% | 2,679 |
| Net loans and leases to deposits | 72.9283% | 3,215 |
| Net loans and leases to core deposits | 74.8936% | 3,542 |
| Total domestic deposits to total assets | 89.5237% | 1,356 |
| Equity capital to assets | 10.2397% | 3,552 |
| Core capital (leverage) ratio | 9.6668% | 4,038 |
| Tier 1 risk-based capital ratio | 13.8148% | 4,458 |
| Total risk-based capital ratio | 14.9675% | 4,485 |
| Memoranda: |
| Average total assets | $140,132,000 | 3,875 |
| Average earning assets | $130,207,500 | 3,829 |
| Average equity | $14,047,500 | 4,038 |
| Average total loans | $92,418,500 | 3,648 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3677% | 2,698 |
| Cost of funding earning assets | 0.5484% | 3,127 |
| Net interest margin | 3.8193% | 2,575 |
| Noninterest income to average assets | 0.2986% | 5,215 |
| Noninterest expense to average assets | 1.7993% | 6,322 |
| Loan and lease loss provision to assets | 0.2313% | 1,562 |
| Net operating income to assets | 1.8643% | 426 |
| Return on assets (ROA) | 1.8643% | 437 |
| Pretax return on assets | 1.8123% | 737 |
| Return on Equity (ROE) | 18.3572% | 383 |
| Retained earnings to average equity (ytd only) | 4.6551% | 2,849 |
| Net charge-offs to loans | 0.1576% | 3,227 |
| Credit loss provision to net charge-offs | 233.5766% | 982 |
| Earnings coverage of net charge-offs (x) | 20.6350% | 1,539 |
| Efficiency ratio | 46.8209% | 6,529 |
| Assets per employee ($millions) | 5.6666% | 1,496 |
| Cash dividends to net income (ytd only)* | 74.6413% | 1,120 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9642% | 5,716 |
| Loan loss allowance to noncurrent loans | 611.5646% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.3219% | 5,292 |
| Noncurrent loans to loans | 0.1577% | 5,721 |
| Net loans and leases to total assets | 65.1794% | 2,828 |
| Net loans and leases to deposits | 73.2415% | 3,367 |
| Net loans and leases to core deposits | 74.9501% | 3,737 |
| Total domestic deposits to total assets | 88.9924% | 1,635 |
| Equity capital to assets | 9.8139% | 4,016 |
| Core capital (leverage) ratio | 9.2938% | 4,562 |
| Tier 1 risk-based capital ratio | 13.3822% | 4,731 |
| Total risk-based capital ratio | 14.3012% | 4,888 |
| Memoranda: |
| Average total assets | $138,334,400 | 3,912 |
| Average earning assets | $128,373,200 | 3,880 |
| Average equity | $14,049,000 | 4,059 |
| Average total loans | $86,924,400 | 3,759 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3729% | 2,684 |
| Cost of funding earning assets | 0.5547% | 3,216 |
| Net interest margin | 3.8182% | 2,581 |
| Noninterest income to average assets | 0.3016% | 5,287 |
| Noninterest expense to average assets | 1.7677% | 6,391 |
| Loan and lease loss provision to assets | 0.2424% | 1,479 |
| Net operating income to assets | 1.9122% | 427 |
| Return on assets (ROA) | 1.9122% | 434 |
| Pretax return on assets | 1.8424% | 820 |
| Return on Equity (ROE) | 18.6665% | 393 |
| Retained earnings to average equity (ytd only) | 9.6740% | 867 |
| Net charge-offs to loans | 0.0328% | 4,478 |
| Credit loss provision to net charge-offs | 1,190.4762% | 265 |
| Earnings coverage of net charge-offs (x) | 102.3786% | 491 |
| Efficiency ratio | 45.8847% | 6,591 |
| Assets per employee ($millions) | 5.8364% | 1,352 |
| Cash dividends to net income (ytd only)* | 48.1746% | 1,953 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0185% | 5,639 |
| Loan loss allowance to noncurrent loans | 364.8649% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.4055% | 5,206 |
| Noncurrent loans to loans | 0.2791% | 5,531 |
| Net loans and leases to total assets | 65.5651% | 2,711 |
| Net loans and leases to deposits | 78.1569% | 2,643 |
| Net loans and leases to core deposits | 80.1325% | 3,118 |
| Total domestic deposits to total assets | 83.8891% | 4,240 |
| Equity capital to assets | 10.2539% | 3,572 |
| Core capital (leverage) ratio | 9.7237% | 4,071 |
| Tier 1 risk-based capital ratio | 13.8798% | 4,518 |
| Total risk-based capital ratio | 14.8544% | 4,645 |
| Memoranda: |
| Average total assets | $137,501,500 | 3,961 |
| Average earning assets | $127,876,250 | 3,924 |
| Average equity | $14,085,500 | 4,094 |
| Average total loans | $85,346,500 | 3,829 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1444% | 3,566 |
| Cost of funding earning assets | 0.5634% | 3,279 |
| Net interest margin | 3.5810% | 3,449 |
| Noninterest income to average assets | 0.2971% | 5,326 |
| Noninterest expense to average assets | 1.7315% | 6,466 |
| Loan and lease loss provision to assets | 0.1464% | 2,505 |
| Net operating income to assets | 1.8457% | 469 |
| Return on assets (ROA) | 1.8457% | 504 |
| Pretax return on assets | 1.7403% | 1,036 |
| Return on Equity (ROE) | 18.0233% | 455 |
| Retained earnings to average equity (ytd only) | 13.7354% | 317 |
| Net charge-offs to loans | 0.0434% | 4,071 |
| Credit loss provision to net charge-offs | 555.5556% | 513 |
| Earnings coverage of net charge-offs (x) | 71.6111% | 629 |
| Efficiency ratio | 47.8560% | 6,545 |
| Assets per employee ($millions) | 5.6652% | 1,446 |
| Cash dividends to net income (ytd only)* | 23.7906% | 2,858 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9057% | 6,118 |
| Loan loss allowance to noncurrent loans | 159.2814% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.5957% | 4,762 |
| Noncurrent loans to loans | 0.5686% | 4,837 |
| Net loans and leases to total assets | 64.2163% | 2,882 |
| Net loans and leases to deposits | 72.0614% | 3,441 |
| Net loans and leases to core deposits | 74.2188% | 3,778 |
| Total domestic deposits to total assets | 89.1133% | 1,560 |
| Equity capital to assets | 10.5690% | 3,210 |
| Core capital (leverage) ratio | 9.6523% | 4,008 |
| Tier 1 risk-based capital ratio | 14.6465% | 4,000 |
| Total risk-based capital ratio | 15.5188% | 4,198 |
| Memoranda: |
| Average total assets | $136,644,330 | 4,004 |
| Average earning assets | $126,726,000 | 3,975 |
| Average equity | $13,993,000 | 4,149 |
| Average total loans | $82,867,330 | 3,903 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0527% | 3,909 |
| Cost of funding earning assets | 0.5676% | 3,399 |
| Net interest margin | 3.4851% | 3,766 |
| Noninterest income to average assets | 0.2862% | 5,416 |
| Noninterest expense to average assets | 1.7170% | 6,540 |
| Loan and lease loss provision to assets | 0.1460% | 2,417 |
| Net operating income to assets | 1.5447% | 775 |
| Return on assets (ROA) | 1.5447% | 852 |
| Pretax return on assets | 1.6323% | 1,230 |
| Return on Equity (ROE) | 15.3283% | 695 |
| Retained earnings to average equity (ytd only) | 12.4307% | 643 |
| Net charge-offs to loans | 0.0249% | 3,684 |
| Credit loss provision to net charge-offs | 1,000.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 121.8000% | 315 |
| Efficiency ratio | 49.1228% | 6,562 |
| Assets per employee ($millions) | 5.4274% | 1,735 |
| Cash dividends to net income (ytd only)* | 18.9036% | 2,326 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9408% | 6,162 |
| Loan loss allowance to noncurrent loans | 101.0624% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.5550% | 5,004 |
| Noncurrent loans to loans | 0.9309% | 4,272 |
| Net loans and leases to total assets | 59.0552% | 3,598 |
| Net loans and leases to deposits | 66.1600% | 4,032 |
| Net loans and leases to core deposits | 68.3741% | 4,255 |
| Total domestic deposits to total assets | 89.2612% | 1,519 |
| Equity capital to assets | 10.3416% | 3,746 |
| Core capital (leverage) ratio | 9.5796% | 3,959 |
| Tier 1 risk-based capital ratio | 15.1321% | 3,751 |
| Total risk-based capital ratio | 16.0271% | 3,951 |
| Memoranda: |
| Average total assets | $136,984,500 | 4,036 |
| Average earning assets | $126,138,000 | 4,015 |
| Average equity | $13,804,500 | 4,229 |
| Average total loans | $80,246,500 | 4,008 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8117% | 2,144 |
| Cost of funding earning assets | 0.7582% | 3,026 |
| Net interest margin | 4.0536% | 2,179 |
| Noninterest income to average assets | 0.3310% | 5,084 |
| Noninterest expense to average assets | 2.0970% | 6,135 |
| Loan and lease loss provision to assets | 0.2224% | 2,907 |
| Net operating income to assets | 1.6506% | 683 |
| Return on assets (ROA) | 1.6886% | 708 |
| Pretax return on assets | 1.8150% | 891 |
| Return on Equity (ROE) | 15.7602% | 693 |
| Retained earnings to average equity (ytd only) | 7.0414% | 1,549 |
| Net charge-offs to loans | 0.3881% | 2,701 |
| Credit loss provision to net charge-offs | 88.9680% | 3,514 |
| Earnings coverage of net charge-offs (x) | 7.9858% | 2,501 |
| Efficiency ratio | 51.2280% | 6,505 |
| Assets per employee ($millions) | 5.7618% | 1,460 |
| Cash dividends to net income (ytd only)* | 55.3214% | 2,036 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8995% | 6,266 |
| Loan loss allowance to noncurrent loans | 98.0822% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.5279% | 5,161 |
| Noncurrent loans to loans | 0.9171% | 4,350 |
| Net loans and leases to total assets | 57.0471% | 4,115 |
| Net loans and leases to deposits | 63.5919% | 4,584 |
| Net loans and leases to core deposits | 66.2654% | 4,714 |
| Total domestic deposits to total assets | 89.7081% | 1,124 |
| Equity capital to assets | 9.8182% | 4,424 |
| Core capital (leverage) ratio | 9.4756% | 4,139 |
| Tier 1 risk-based capital ratio | 14.8631% | 3,794 |
| Total risk-based capital ratio | 15.7187% | 4,006 |
| Memoranda: |
| Average total assets | $112,399,400 | 4,538 |
| Average earning assets | $104,328,000 | 4,485 |
| Average equity | $12,043,000 | 4,559 |
| Average total loans | $72,401,200 | 4,260 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9611% | 1,800 |
| Cost of funding earning assets | 0.8031% | 2,915 |
| Net interest margin | 4.1580% | 1,873 |
| Noninterest income to average assets | 0.3386% | 5,100 |
| Noninterest expense to average assets | 2.2316% | 5,878 |
| Loan and lease loss provision to assets | 0.1888% | 3,230 |
| Net operating income to assets | 1.6893% | 693 |
| Return on assets (ROA) | 1.6917% | 772 |
| Pretax return on assets | 1.8175% | 999 |
| Return on Equity (ROE) | 15.3691% | 838 |
| Retained earnings to average equity (ytd only) | 10.7950% | 722 |
| Net charge-offs to loans | 0.5174% | 2,060 |
| Credit loss provision to net charge-offs | 54.7445% | 4,285 |
| Earnings coverage of net charge-offs (x) | 5.8103% | 2,920 |
| Efficiency ratio | 52.6895% | 6,384 |
| Assets per employee ($millions) | 5.2014% | 1,929 |
| Cash dividends to net income (ytd only)* | 29.7618% | 2,657 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7945% | 6,617 |
| Loan loss allowance to noncurrent loans | 100.1608% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 5,428 |
| Noncurrent loans to loans | 0.7933% | 4,817 |
| Net loans and leases to total assets | 62.3132% | 3,333 |
| Net loans and leases to deposits | 71.1393% | 3,728 |
| Net loans and leases to core deposits | 74.5039% | 3,908 |
| Total domestic deposits to total assets | 87.5931% | 2,298 |
| Equity capital to assets | 11.0347% | 3,228 |
| Core capital (leverage) ratio | 10.1102% | 3,394 |
| Tier 1 risk-based capital ratio | 15.6158% | 3,465 |
| Total risk-based capital ratio | 16.3920% | 3,698 |
| Memoranda: |
| Average total assets | $105,928,250 | 4,729 |
| Average earning assets | $99,277,000 | 4,658 |
| Average equity | $11,659,500 | 4,679 |
| Average total loans | $70,600,750 | 4,380 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9260% | 2,002 |
| Cost of funding earning assets | 0.8196% | 3,033 |
| Net interest margin | 4.1065% | 2,064 |
| Noninterest income to average assets | 0.3353% | 5,149 |
| Noninterest expense to average assets | 2.3588% | 5,599 |
| Loan and lease loss provision to assets | 0.2008% | 3,072 |
| Net operating income to assets | 1.5280% | 948 |
| Return on assets (ROA) | 1.5317% | 1,062 |
| Pretax return on assets | 1.6421% | 1,422 |
| Return on Equity (ROE) | 13.9306% | 1,141 |
| Retained earnings to average equity (ytd only) | 12.1048% | 563 |
| Net charge-offs to loans | 0.2059% | 3,337 |
| Credit loss provision to net charge-offs | 142.8571% | 1,932 |
| Earnings coverage of net charge-offs (x) | 13.0857% | 1,821 |
| Efficiency ratio | 56.1932% | 6,091 |
| Assets per employee ($millions) | 5.1100% | 2,018 |
| Cash dividends to net income (ytd only)* | 13.1062% | 3,222 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0030% | 6,145 |
| Loan loss allowance to noncurrent loans | 120.6522% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.5251% | 5,449 |
| Noncurrent loans to loans | 0.8313% | 4,855 |
| Net loans and leases to total assets | 62.5315% | 3,332 |
| Net loans and leases to deposits | 70.5378% | 3,816 |
| Net loans and leases to core deposits | 73.9511% | 4,040 |
| Total domestic deposits to total assets | 88.6496% | 1,740 |
| Equity capital to assets | 10.8685% | 3,268 |
| Core capital (leverage) ratio | 12.3158% | 1,439 |
| Tier 1 risk-based capital ratio | 15.7627% | 3,295 |
| Total risk-based capital ratio | 16.7623% | 3,398 |
| Memoranda: |
| Average total assets | $99,626,330 | 4,908 |
| Average earning assets | $93,706,000 | 4,826 |
| Average equity | $10,954,330 | 4,819 |
| Average total loans | $67,997,330 | 4,488 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3833% | 933 |
| Cost of funding earning assets | 0.9126% | 2,589 |
| Net interest margin | 4.4707% | 1,069 |
| Noninterest income to average assets | 0.3813% | 4,815 |
| Noninterest expense to average assets | 2.2061% | 6,030 |
| Loan and lease loss provision to assets | 0.2270% | 2,677 |
| Net operating income to assets | 1.9882% | 429 |
| Return on assets (ROA) | 1.9882% | 488 |
| Pretax return on assets | 2.1289% | 603 |
| Return on Equity (ROE) | 17.9380% | 557 |
| Retained earnings to average equity (ytd only) | 17.9380% | 260 |
| Net charge-offs to loans | 0.2592% | 2,635 |
| Credit loss provision to net charge-offs | 121.9512% | 1,957 |
| Earnings coverage of net charge-offs (x) | 12.6585% | 1,585 |
| Efficiency ratio | 48.3582% | 6,778 |
| Assets per employee ($millions) | 4.9296% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1677% | 5,643 |
| Loan loss allowance to noncurrent loans | 122.3301% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.6965% | 5,157 |
| Noncurrent loans to loans | 0.9546% | 4,764 |
| Net loans and leases to total assets | 72.1096% | 1,384 |
| Net loans and leases to deposits | 83.3659% | 1,743 |
| Net loans and leases to core deposits | 87.9507% | 2,059 |
| Total domestic deposits to total assets | 86.4977% | 3,245 |
| Equity capital to assets | 11.2596% | 2,668 |
| Core capital (leverage) ratio | 10.2940% | 3,001 |
| Tier 1 risk-based capital ratio | 14.5463% | 4,065 |
| Total risk-based capital ratio | 15.7645% | 4,054 |
| Memoranda: |
| Average total assets | $88,120,000 | 5,266 |
| Average earning assets | $82,402,500 | 5,184 |
| Average equity | $9,767,000 | 5,097 |
| Average total loans | $63,263,500 | 4,684 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4594% | 1,267 |
| Cost of funding earning assets | 1.0545% | 2,984 |
| Net interest margin | 4.4049% | 1,389 |
| Noninterest income to average assets | 0.3350% | 5,136 |
| Noninterest expense to average assets | 2.1661% | 6,336 |
| Loan and lease loss provision to assets | 0.4769% | 2,216 |
| Net operating income to assets | 1.7218% | 533 |
| Return on assets (ROA) | 1.7262% | 566 |
| Pretax return on assets | 1.8550% | 724 |
| Return on Equity (ROE) | 15.4256% | 685 |
| Retained earnings to average equity (ytd only) | 4.7726% | 2,806 |
| Net charge-offs to loans | 0.6062% | 2,632 |
| Credit loss provision to net charge-offs | 112.9944% | 2,921 |
| Earnings coverage of net charge-offs (x) | 5.5141% | 2,765 |
| Efficiency ratio | 48.2091% | 6,936 |
| Assets per employee ($millions) | 4.6056% | 2,744 |
| Cash dividends to net income (ytd only)* | 69.0608% | 1,177 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2090% | 5,346 |
| Loan loss allowance to noncurrent loans | 112.3308% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.7599% | 5,124 |
| Noncurrent loans to loans | 1.0763% | 4,556 |
| Net loans and leases to total assets | 69.7533% | 2,083 |
| Net loans and leases to deposits | 79.6396% | 2,589 |
| Net loans and leases to core deposits | 84.4293% | 2,830 |
| Total domestic deposits to total assets | 87.5861% | 2,422 |
| Equity capital to assets | 10.9054% | 3,072 |
| Core capital (leverage) ratio | 9.9751% | 3,371 |
| Tier 1 risk-based capital ratio | 14.5030% | 3,972 |
| Total risk-based capital ratio | 15.7524% | 3,951 |
| Memoranda: |
| Average total assets | $83,881,600 | 5,340 |
| Average earning assets | $79,184,600 | 5,254 |
| Average equity | $9,387,000 | 5,186 |
| Average total loans | $58,395,000 | 4,927 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4375% | 1,416 |
| Cost of funding earning assets | 1.0730% | 3,159 |
| Net interest margin | 4.3646% | 1,512 |
| Noninterest income to average assets | 0.3567% | 5,009 |
| Noninterest expense to average assets | 2.1628% | 6,363 |
| Loan and lease loss provision to assets | 0.2410% | 3,598 |
| Net operating income to assets | 1.9512% | 379 |
| Return on assets (ROA) | 1.9572% | 410 |
| Pretax return on assets | 2.1034% | 517 |
| Return on Equity (ROE) | 17.3723% | 528 |
| Retained earnings to average equity (ytd only) | 10.2408% | 781 |
| Net charge-offs to loans | 0.5375% | 2,621 |
| Credit loss provision to net charge-offs | 64.6552% | 4,646 |
| Earnings coverage of net charge-offs (x) | 6.2715% | 2,584 |
| Efficiency ratio | 48.0543% | 6,958 |
| Assets per employee ($millions) | 5.0045% | 2,187 |
| Cash dividends to net income (ytd only)* | 41.0509% | 1,992 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9877% | 6,328 |
| Loan loss allowance to noncurrent loans | 106.1750% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.6853% | 5,428 |
| Noncurrent loans to loans | 0.9303% | 5,019 |
| Net loans and leases to total assets | 72.9336% | 1,521 |
| Net loans and leases to deposits | 92.3527% | 983 |
| Net loans and leases to core deposits | 98.1307% | 1,415 |
| Total domestic deposits to total assets | 78.9729% | 5,989 |
| Equity capital to assets | 11.5932% | 2,596 |
| Core capital (leverage) ratio | 10.4790% | 2,890 |
| Tier 1 risk-based capital ratio | 14.9249% | 3,705 |
| Total risk-based capital ratio | 15.9676% | 3,804 |
| Memoranda: |
| Average total assets | $82,975,250 | 5,410 |
| Average earning assets | $78,783,500 | 5,305 |
| Average equity | $9,348,000 | 5,222 |
| Average total loans | $57,547,250 | 5,015 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3295% | 1,788 |
| Cost of funding earning assets | 1.0987% | 3,251 |
| Net interest margin | 4.2308% | 1,916 |
| Noninterest income to average assets | 0.3379% | 5,184 |
| Noninterest expense to average assets | 2.2048% | 6,374 |
| Loan and lease loss provision to assets | 0.2431% | 3,474 |
| Net operating income to assets | 1.7818% | 523 |
| Return on assets (ROA) | 1.7818% | 560 |
| Pretax return on assets | 1.9058% | 701 |
| Return on Equity (ROE) | 15.9759% | 677 |
| Retained earnings to average equity (ytd only) | 7.2578% | 1,760 |
| Net charge-offs to loans | 0.4943% | 2,619 |
| Credit loss provision to net charge-offs | 72.4638% | 4,005 |
| Earnings coverage of net charge-offs (x) | 6.4058% | 2,397 |
| Efficiency ratio | 50.6421% | 6,897 |
| Assets per employee ($millions) | 4.8729% | 2,291 |
| Cash dividends to net income (ytd only)* | 54.5703% | 1,544 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1230% | 5,857 |
| Loan loss allowance to noncurrent loans | 113.5274% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.9307% | 5,000 |
| Noncurrent loans to loans | 0.9892% | 5,011 |
| Net loans and leases to total assets | 70.4684% | 2,122 |
| Net loans and leases to deposits | 85.0813% | 1,934 |
| Net loans and leases to core deposits | 90.2829% | 2,339 |
| Total domestic deposits to total assets | 82.8247% | 4,837 |
| Equity capital to assets | 11.4498% | 2,548 |
| Core capital (leverage) ratio | 10.4099% | 2,816 |
| Tier 1 risk-based capital ratio | 15.1274% | 3,434 |
| Total risk-based capital ratio | 16.3109% | 3,430 |
| Memoranda: |
| Average total assets | $82,275,000 | 5,479 |
| Average earning assets | $78,094,000 | 5,370 |
| Average equity | $9,176,330 | 5,277 |
| Average total loans | $55,840,330 | 5,132 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2390% | 2,094 |
| Cost of funding earning assets | 1.1322% | 3,283 |
| Net interest margin | 4.1068% | 2,244 |
| Noninterest income to average assets | 0.3171% | 5,387 |
| Noninterest expense to average assets | 2.2344% | 6,343 |
| Loan and lease loss provision to assets | 0.2439% | 3,229 |
| Net operating income to assets | 1.6538% | 622 |
| Return on assets (ROA) | 1.6538% | 654 |
| Pretax return on assets | 1.7319% | 925 |
| Return on Equity (ROE) | 15.0299% | 817 |
| Retained earnings to average equity (ytd only) | 1.7291% | 5,086 |
| Net charge-offs to loans | 0.8112% | 1,609 |
| Credit loss provision to net charge-offs | 45.4545% | 3,845 |
| Earnings coverage of net charge-offs (x) | 3.6818% | 2,668 |
| Efficiency ratio | 53.0707% | 6,776 |
| Assets per employee ($millions) | 4.7262% | 2,526 |
| Cash dividends to net income (ytd only)* | 88.4956% | 711 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1748% | 5,747 |
| Loan loss allowance to noncurrent loans | 139.0456% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.7916% | 5,329 |
| Noncurrent loans to loans | 0.8449% | 5,356 |
| Net loans and leases to total assets | 67.1135% | 2,730 |
| Net loans and leases to deposits | 76.1237% | 3,398 |
| Net loans and leases to core deposits | 80.3693% | 3,693 |
| Total domestic deposits to total assets | 88.1637% | 2,284 |
| Equity capital to assets | 11.2327% | 2,476 |
| Core capital (leverage) ratio | 10.0859% | 3,055 |
| Tier 1 risk-based capital ratio | 15.7112% | 3,052 |
| Total risk-based capital ratio | 16.9423% | 3,019 |
| Memoranda: |
| Average total assets | $81,992,500 | 5,522 |
| Average earning assets | $77,724,500 | 5,421 |
| Average equity | $9,022,000 | 5,322 |
| Average total loans | $54,241,000 | 5,243 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9877% | 869 |
| Cost of funding earning assets | 1.3732% | 3,438 |
| Net interest margin | 4.6144% | 982 |
| Noninterest income to average assets | 0.3842% | 5,029 |
| Noninterest expense to average assets | 2.3526% | 6,214 |
| Loan and lease loss provision to assets | 0.3505% | 4,024 |
| Net operating income to assets | 1.9195% | 326 |
| Return on assets (ROA) | 1.9208% | 345 |
| Pretax return on assets | 2.0638% | 422 |
| Return on Equity (ROE) | 16.4933% | 530 |
| Retained earnings to average equity (ytd only) | 3.0097% | 3,741 |
| Net charge-offs to loans | 0.3329% | 4,343 |
| Credit loss provision to net charge-offs | 153.3742% | 2,324 |
| Earnings coverage of net charge-offs (x) | 10.5583% | 1,690 |
| Efficiency ratio | 49.3675% | 7,181 |
| Assets per employee ($millions) | 4.9199% | 2,260 |
| Cash dividends to net income (ytd only)* | 81.7518% | 801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3001% | 5,001 |
| Loan loss allowance to noncurrent loans | 327.5701% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.4651% | 6,119 |
| Noncurrent loans to loans | 0.3969% | 6,255 |
| Net loans and leases to total assets | 63.6270% | 3,947 |
| Net loans and leases to deposits | 71.9207% | 4,532 |
| Net loans and leases to core deposits | 75.7796% | 4,752 |
| Total domestic deposits to total assets | 88.4683% | 1,964 |
| Equity capital to assets | 10.7832% | 2,876 |
| Core capital (leverage) ratio | 10.2785% | 2,789 |
| Tier 1 risk-based capital ratio | 15.6037% | 2,948 |
| Total risk-based capital ratio | 16.8551% | 2,909 |
| Memoranda: |
| Average total assets | $71,324,600 | 5,850 |
| Average earning assets | $67,722,600 | 5,748 |
| Average equity | $8,306,400 | 5,616 |
| Average total loans | $48,959,800 | 5,525 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1324% | 714 |
| Cost of funding earning assets | 1.4220% | 3,444 |
| Net interest margin | 4.7104% | 827 |
| Noninterest income to average assets | 0.4025% | 4,939 |
| Noninterest expense to average assets | 2.3718% | 6,109 |
| Loan and lease loss provision to assets | 0.2931% | 4,232 |
| Net operating income to assets | 2.0632% | 305 |
| Return on assets (ROA) | 2.0650% | 322 |
| Pretax return on assets | 2.2116% | 399 |
| Return on Equity (ROE) | 17.3383% | 550 |
| Retained earnings to average equity (ytd only) | 5.0358% | 2,963 |
| Net charge-offs to loans | 0.3297% | 4,013 |
| Credit loss provision to net charge-offs | 127.1186% | 3,204 |
| Earnings coverage of net charge-offs (x) | 10.8559% | 1,845 |
| Efficiency ratio | 48.6573% | 7,230 |
| Assets per employee ($millions) | 4.4267% | 3,032 |
| Cash dividends to net income (ytd only)* | 70.9558% | 880 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1995% | 5,497 |
| Loan loss allowance to noncurrent loans | 336.4583% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.5342% | 6,087 |
| Noncurrent loans to loans | 0.3565% | 6,484 |
| Net loans and leases to total assets | 70.7099% | 2,563 |
| Net loans and leases to deposits | 85.3126% | 2,463 |
| Net loans and leases to core deposits | 89.9809% | 3,094 |
| Total domestic deposits to total assets | 82.8833% | 4,639 |
| Equity capital to assets | 12.2000% | 2,033 |
| Core capital (leverage) ratio | 10.7032% | 2,511 |
| Tier 1 risk-based capital ratio | 16.2032% | 2,668 |
| Total risk-based capital ratio | 17.4542% | 2,620 |
| Memoranda: |
| Average total assets | $68,246,000 | 5,996 |
| Average earning assets | $64,790,500 | 5,900 |
| Average equity | $8,128,250 | 5,746 |
| Average total loans | $47,720,250 | 5,653 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9964% | 958 |
| Cost of funding earning assets | 1.4184% | 3,757 |
| Net interest margin | 4.5779% | 1,045 |
| Noninterest income to average assets | 0.4036% | 4,889 |
| Noninterest expense to average assets | 2.3547% | 6,201 |
| Loan and lease loss provision to assets | 0.3034% | 3,971 |
| Net operating income to assets | 1.9483% | 364 |
| Return on assets (ROA) | 1.9511% | 395 |
| Pretax return on assets | 2.0968% | 492 |
| Return on Equity (ROE) | 16.5352% | 626 |
| Retained earnings to average equity (ytd only) | 2.1344% | 4,787 |
| Net charge-offs to loans | 0.3284% | 3,681 |
| Credit loss provision to net charge-offs | 133.3333% | 3,012 |
| Earnings coverage of net charge-offs (x) | 10.5333% | 1,878 |
| Efficiency ratio | 49.5530% | 7,253 |
| Assets per employee ($millions) | 4.1968% | 3,390 |
| Cash dividends to net income (ytd only)* | 87.0918% | 623 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5936% | 3,475 |
| Loan loss allowance to noncurrent loans | 175.4202% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.6950% | 5,757 |
| Noncurrent loans to loans | 0.9085% | 5,464 |
| Net loans and leases to total assets | 68.2547% | 3,299 |
| Net loans and leases to deposits | 82.9328% | 3,090 |
| Net loans and leases to core deposits | 86.5655% | 3,751 |
| Total domestic deposits to total assets | 82.3012% | 4,867 |
| Equity capital to assets | 11.8451% | 2,189 |
| Core capital (leverage) ratio | 10.5299% | 2,604 |
| Tier 1 risk-based capital ratio | 16.2516% | 2,573 |
| Total risk-based capital ratio | 17.4988% | 2,527 |
| Memoranda: |
| Average total assets | $65,910,000 | 6,109 |
| Average earning assets | $62,604,670 | 6,000 |
| Average equity | $7,777,330 | 5,878 |
| Average total loans | $45,674,330 | 5,785 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6784% | 1,859 |
| Cost of funding earning assets | 1.3972% | 4,201 |
| Net interest margin | 4.2812% | 1,752 |
| Noninterest income to average assets | 0.3797% | 5,096 |
| Noninterest expense to average assets | 2.3439% | 6,269 |
| Loan and lease loss provision to assets | 0.3274% | 3,443 |
| Net operating income to assets | 1.6630% | 663 |
| Return on assets (ROA) | 1.6630% | 713 |
| Pretax return on assets | 1.7809% | 915 |
| Return on Equity (ROE) | 14.1268% | 1,031 |
| Retained earnings to average equity (ytd only) | 14.1268% | 493 |
| Net charge-offs to loans | 0.2552% | 3,413 |
| Credit loss provision to net charge-offs | 185.1852% | 1,979 |
| Earnings coverage of net charge-offs (x) | 11.9259% | 1,606 |
| Efficiency ratio | 52.6471% | 7,087 |
| Assets per employee ($millions) | 4.2788% | 3,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7182% | 2,996 |
| Loan loss allowance to noncurrent loans | 162.0623% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.7740% | 5,599 |
| Noncurrent loans to loans | 1.0602% | 5,220 |
| Net loans and leases to total assets | 65.5032% | 3,988 |
| Net loans and leases to deposits | 75.4171% | 4,513 |
| Net loans and leases to core deposits | 76.1609% | 5,239 |
| Total domestic deposits to total assets | 86.8546% | 2,707 |
| Equity capital to assets | 12.4210% | 1,795 |
| Core capital (leverage) ratio | 14.0125% | 960 |
| Tier 1 risk-based capital ratio | 17.2173% | 2,190 |
| Total risk-based capital ratio | 18.4727% | 2,140 |
| Memoranda: |
| Average total assets | $61,094,000 | 6,345 |
| Average earning assets | $58,115,000 | 6,238 |
| Average equity | $7,192,000 | 6,119 |
| Average total loans | $42,313,500 | 6,009 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6143% | 545 |
| Cost of funding earning assets | 1.7732% | 4,136 |
| Net interest margin | 4.8410% | 636 |
| Noninterest income to average assets | 0.4632% | 4,689 |
| Noninterest expense to average assets | 2.1253% | 7,130 |
| Loan and lease loss provision to assets | 0.7034% | 3,011 |
| Net operating income to assets | 2.0974% | 185 |
| Return on assets (ROA) | 2.0974% | 200 |
| Pretax return on assets | 2.2540% | 249 |
| Return on Equity (ROE) | 18.0623% | 365 |
| Retained earnings to average equity (ytd only) | 3.8784% | 2,497 |
| Net charge-offs to loans | 0.5963% | 3,429 |
| Credit loss provision to net charge-offs | 159.2233% | 2,811 |
| Earnings coverage of net charge-offs (x) | 6.6942% | 2,312 |
| Efficiency ratio | 41.8143% | 7,828 |
| Assets per employee ($millions) | 4.4953% | 2,931 |
| Cash dividends to net income (ytd only)* | 78.5276% | 1,232 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6986% | 2,895 |
| Loan loss allowance to noncurrent loans | 230.8271% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 6,105 |
| Noncurrent loans to loans | 0.7359% | 5,781 |
| Net loans and leases to total assets | 71.8593% | 2,785 |
| Net loans and leases to deposits | 87.1590% | 2,707 |
| Net loans and leases to core deposits | 109.8155% | 2,913 |
| Total domestic deposits to total assets | 82.4462% | 4,761 |
| Equity capital to assets | 10.8174% | 2,853 |
| Core capital (leverage) ratio | 10.6054% | 2,499 |
| Tier 1 risk-based capital ratio | 15.1504% | 2,867 |
| Total risk-based capital ratio | 16.4086% | 2,823 |
| Memoranda: |
| Average total assets | $46,629,000 | 6,841 |
| Average earning assets | $44,494,600 | 6,744 |
| Average equity | $5,414,600 | 6,797 |
| Average total loans | $34,545,200 | 6,372 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6815% | 527 |
| Cost of funding earning assets | 1.8300% | 4,236 |
| Net interest margin | 4.8516% | 621 |
| Noninterest income to average assets | 0.4819% | 4,651 |
| Noninterest expense to average assets | 2.0497% | 7,283 |
| Loan and lease loss provision to assets | 0.9523% | 2,021 |
| Net operating income to assets | 1.9655% | 319 |
| Return on assets (ROA) | 1.9655% | 339 |
| Pretax return on assets | 2.1136% | 427 |
| Return on Equity (ROE) | 16.6201% | 586 |
| Retained earnings to average equity (ytd only) | 9.9917% | 635 |
| Net charge-offs to loans | 0.8005% | 2,362 |
| Credit loss provision to net charge-offs | 160.0000% | 2,966 |
| Earnings coverage of net charge-offs (x) | 5.1511% | 2,910 |
| Efficiency ratio | 40.0681% | 7,924 |
| Assets per employee ($millions) | 4.3101% | 3,192 |
| Cash dividends to net income (ytd only)* | 39.8819% | 2,443 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7453% | 2,456 |
| Loan loss allowance to noncurrent loans | 258.4034% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.5336% | 6,125 |
| Noncurrent loans to loans | 0.6754% | 5,952 |
| Net loans and leases to total assets | 73.0252% | 2,786 |
| Net loans and leases to deposits | 89.2757% | 2,727 |
| Net loans and leases to core deposits | 113.1401% | 2,921 |
| Total domestic deposits to total assets | 81.7975% | 4,764 |
| Equity capital to assets | 11.7483% | 2,396 |
| Core capital (leverage) ratio | 11.2434% | 2,227 |
| Tier 1 risk-based capital ratio | 16.3591% | 2,488 |
| Total risk-based capital ratio | 17.6128% | 2,431 |
| Memoranda: |
| Average total assets | $45,924,250 | 6,924 |
| Average earning assets | $43,861,000 | 6,822 |
| Average equity | $5,431,000 | 6,867 |
| Average total loans | $34,144,750 | 6,440 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6144% | 645 |
| Cost of funding earning assets | 1.8813% | 4,365 |
| Net interest margin | 4.7331% | 760 |
| Noninterest income to average assets | 0.4799% | 4,625 |
| Noninterest expense to average assets | 1.9811% | 7,489 |
| Loan and lease loss provision to assets | 0.4403% | 3,353 |
| Net operating income to assets | 2.4082% | 127 |
| Return on assets (ROA) | 2.4082% | 140 |
| Pretax return on assets | 2.5887% | 175 |
| Return on Equity (ROE) | 20.3169% | 319 |
| Retained earnings to average equity (ytd only) | 17.5313% | 118 |
| Net charge-offs to loans | 0.0059% | 6,518 |
| Credit loss provision to net charge-offs | 10,000.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 688.0000% | 40 |
| Efficiency ratio | 39.5431% | 8,026 |
| Assets per employee ($millions) | 4.2477% | 3,205 |
| Cash dividends to net income (ytd only)* | 13.7112% | 3,314 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7110% | 2,301 |
| Loan loss allowance to noncurrent loans | 113.8728% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 1.1108% | 4,735 |
| Noncurrent loans to loans | 1.5025% | 4,243 |
| Net loans and leases to total assets | 72.6613% | 3,047 |
| Net loans and leases to deposits | 88.5224% | 3,084 |
| Net loans and leases to core deposits | 112.3090% | 3,099 |
| Total domestic deposits to total assets | 82.0824% | 4,654 |
| Equity capital to assets | 12.0171% | 2,194 |
| Core capital (leverage) ratio | 11.6511% | 2,002 |
| Tier 1 risk-based capital ratio | 16.6969% | 2,397 |
| Total risk-based capital ratio | 17.9550% | 2,340 |
| Memoranda: |
| Average total assets | $45,428,670 | 7,003 |
| Average earning assets | $43,480,670 | 6,903 |
| Average equity | $5,384,670 | 6,933 |
| Average total loans | $33,780,670 | 6,515 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7616% | 514 |
| Cost of funding earning assets | 1.9585% | 4,335 |
| Net interest margin | 4.8030% | 603 |
| Noninterest income to average assets | 0.4913% | 4,400 |
| Noninterest expense to average assets | 2.0009% | 7,348 |
| Loan and lease loss provision to assets | 0.4466% | 2,689 |
| Net operating income to assets | 2.4654% | 144 |
| Return on assets (ROA) | 2.4654% | 174 |
| Pretax return on assets | 2.6440% | 197 |
| Return on Equity (ROE) | 20.9508% | 364 |
| Retained earnings to average equity (ytd only) | 20.9508% | 143 |
| Net charge-offs to loans | -0.0359% | 7,608 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2982% | 8,065 |
| Assets per employee ($millions) | 4.0397% | 3,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6303% | 2,401 |
| Loan loss allowance to noncurrent loans | 189.2361% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.6481% | 5,540 |
| Noncurrent loans to loans | 0.8615% | 5,295 |
| Net loans and leases to total assets | 74.0014% | 2,755 |
| Net loans and leases to deposits | 85.1785% | 3,780 |
| Net loans and leases to core deposits | 107.5519% | 3,737 |
| Total domestic deposits to total assets | 86.8781% | 2,277 |
| Equity capital to assets | 12.1880% | 2,147 |
| Core capital (leverage) ratio | 11.5425% | 2,120 |
| Tier 1 risk-based capital ratio | 16.7617% | 2,417 |
| Total risk-based capital ratio | 18.0176% | 2,345 |
| Memoranda: |
| Average total assets | $44,780,500 | 7,068 |
| Average earning assets | $42,889,500 | 6,980 |
| Average equity | $5,269,500 | 7,025 |
| Average total loans | $33,400,000 | 6,572 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1940% | 756 |
| Cost of funding earning assets | 2.4598% | 4,425 |
| Net interest margin | 4.7342% | 898 |
| Noninterest income to average assets | 0.5104% | 4,538 |
| Noninterest expense to average assets | 1.9667% | 7,507 |
| Loan and lease loss provision to assets | 0.6740% | 2,159 |
| Net operating income to assets | 2.2296% | 220 |
| Return on assets (ROA) | 2.2296% | 218 |
| Pretax return on assets | 2.3821% | 256 |
| Return on Equity (ROE) | 19.8904% | 384 |
| Retained earnings to average equity (ytd only) | 4.8100% | 2,138 |
| Net charge-offs to loans | 1.1661% | 1,040 |
| Credit loss provision to net charge-offs | 78.0051% | 5,941 |
| Earnings coverage of net charge-offs (x) | 3.5371% | 4,322 |
| Efficiency ratio | 39.1553% | 8,145 |
| Assets per employee ($millions) | 4.1022% | 3,303 |
| Cash dividends to net income (ytd only)* | 75.8176% | 1,911 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4743% | 2,805 |
| Loan loss allowance to noncurrent loans | 244.7761% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 5,881 |
| Noncurrent loans to loans | 0.6023% | 5,569 |
| Net loans and leases to total assets | 72.8637% | 3,395 |
| Net loans and leases to deposits | 85.6782% | 4,160 |
| Net loans and leases to core deposits | 107.5250% | 4,019 |
| Total domestic deposits to total assets | 85.0434% | 2,822 |
| Equity capital to assets | 11.3532% | 2,746 |
| Core capital (leverage) ratio | 10.8644% | 2,696 |
| Tier 1 risk-based capital ratio | 15.8197% | 2,737 |
| Total risk-based capital ratio | 17.0742% | 2,675 |
| Memoranda: |
| Average total assets | $45,254,400 | 6,976 |
| Average earning assets | $43,133,200 | 6,896 |
| Average equity | $5,072,800 | 7,115 |
| Average total loans | $33,531,200 | 6,509 |
