| 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 | 4.6067% | 1,958 |
| Cost of funding earning assets | 0.1309% | 5,274 |
| Net interest margin | 4.4759% | 783 |
| Noninterest income to average assets | 0.8921% | 1,224 |
| Noninterest expense to average assets | 3.5836% | 878 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1162% | 2,594 |
| Return on assets (ROA) | 1.1162% | 2,612 |
| Pretax return on assets | 1.4001% | 2,232 |
| Return on Equity (ROE) | 9.4038% | 2,901 |
| Retained earnings to average equity (ytd only) | 8.6089% | 1,373 |
| Net charge-offs to loans | -0.0049% | 4,227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9067% | 1,893 |
| Assets per employee ($millions) | 2.9641% | 5,060 |
| Cash dividends to net income (ytd only)* | 8.4529% | 3,435 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6295% | 203 |
| Loan loss allowance to noncurrent loans | 233.6323% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 1.1050% | 1,300 |
| Noncurrent loans to loans | 1.1255% | 1,511 |
| Net loans and leases to total assets | 49.1232% | 4,654 |
| Net loans and leases to deposits | 56.5306% | 4,720 |
| Net loans and leases to core deposits | 57.0762% | 4,820 |
| Total domestic deposits to total assets | 86.8966% | 1,777 |
| Equity capital to assets | 12.2440% | 1,743 |
| Core capital (leverage) ratio | 12.8246% | 1,358 |
| Tier 1 risk-based capital ratio | 21.5819% | 1,106 |
| Total risk-based capital ratio | 22.8435% | 1,083 |
| Memoranda: |
| Average total assets | $158,270,500 | 3,331 |
| Average earning assets | $144,683,750 | 3,346 |
| Average equity | $18,786,250 | 3,226 |
| Average total loans | $80,925,500 | 3,677 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5331% | 1,990 |
| Cost of funding earning assets | 0.1334% | 5,306 |
| Net interest margin | 4.3997% | 849 |
| Noninterest income to average assets | 0.7437% | 1,673 |
| Noninterest expense to average assets | 3.5875% | 879 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9202% | 3,372 |
| Return on assets (ROA) | 0.9202% | 3,375 |
| Pretax return on assets | 1.1900% | 2,972 |
| Return on Equity (ROE) | 7.8340% | 3,579 |
| Retained earnings to average equity (ytd only) | 7.0506% | 2,054 |
| Net charge-offs to loans | -0.0123% | 4,381 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0923% | 1,547 |
| Assets per employee ($millions) | 2.7515% | 5,235 |
| Cash dividends to net income (ytd only)* | 10.0000% | 3,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6275% | 215 |
| Loan loss allowance to noncurrent loans | 153.9483% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 1.4021% | 986 |
| Noncurrent loans to loans | 1.7067% | 933 |
| Net loans and leases to total assets | 49.2900% | 4,645 |
| Net loans and leases to deposits | 56.7326% | 4,714 |
| Net loans and leases to core deposits | 57.4037% | 4,817 |
| Total domestic deposits to total assets | 86.8813% | 1,889 |
| Equity capital to assets | 11.9659% | 1,876 |
| Core capital (leverage) ratio | 12.3572% | 1,514 |
| Tier 1 risk-based capital ratio | 20.8643% | 1,204 |
| Total risk-based capital ratio | 22.1262% | 1,169 |
| Memoranda: |
| Average total assets | $158,661,670 | 3,334 |
| Average earning assets | $145,464,670 | 3,352 |
| Average equity | $18,636,670 | 3,261 |
| Average total loans | $81,482,330 | 3,688 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5124% | 1,831 |
| Cost of funding earning assets | 0.1360% | 5,334 |
| Net interest margin | 4.3764% | 807 |
| Noninterest income to average assets | 0.7655% | 1,567 |
| Noninterest expense to average assets | 3.5672% | 908 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9431% | 3,096 |
| Return on assets (ROA) | 0.9431% | 3,112 |
| Pretax return on assets | 1.2233% | 2,667 |
| Return on Equity (ROE) | 7.9786% | 3,378 |
| Retained earnings to average equity (ytd only) | 7.2591% | 2,162 |
| Net charge-offs to loans | -0.0145% | 4,404 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4648% | 1,828 |
| Assets per employee ($millions) | 2.8742% | 5,238 |
| Cash dividends to net income (ytd only)* | 9.0186% | 2,609 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6126% | 226 |
| Loan loss allowance to noncurrent loans | 151.3435% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 1.4050% | 1,028 |
| Noncurrent loans to loans | 1.7263% | 990 |
| Net loans and leases to total assets | 49.1413% | 4,620 |
| Net loans and leases to deposits | 56.7704% | 4,660 |
| Net loans and leases to core deposits | 57.7666% | 4,765 |
| Total domestic deposits to total assets | 86.5615% | 2,284 |
| Equity capital to assets | 11.9425% | 1,830 |
| Core capital (leverage) ratio | 12.2552% | 1,497 |
| Tier 1 risk-based capital ratio | 21.3868% | 1,141 |
| Total risk-based capital ratio | 22.6491% | 1,114 |
| Memoranda: |
| Average total assets | $159,901,000 | 3,354 |
| Average earning assets | $147,061,500 | 3,373 |
| Average equity | $18,900,500 | 3,259 |
| Average total loans | $82,528,000 | 3,698 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3146% | 2,273 |
| Cost of funding earning assets | 0.1687% | 5,163 |
| Net interest margin | 4.1459% | 1,313 |
| Noninterest income to average assets | 0.7172% | 1,892 |
| Noninterest expense to average assets | 3.4034% | 1,189 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7752% | 3,273 |
| Return on assets (ROA) | 0.7940% | 3,234 |
| Pretax return on assets | 1.1907% | 2,810 |
| Return on Equity (ROE) | 6.9518% | 3,303 |
| Retained earnings to average equity (ytd only) | 4.2735% | 2,596 |
| Net charge-offs to loans | -0.0195% | 4,949 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5362% | 1,823 |
| Assets per employee ($millions) | 2.8878% | 5,267 |
| Cash dividends to net income (ytd only)* | 38.5265% | 2,925 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4400% | 266 |
| Loan loss allowance to noncurrent loans | 152.2312% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 1.3672% | 1,037 |
| Noncurrent loans to loans | 1.6028% | 1,042 |
| Net loans and leases to total assets | 51.4516% | 4,557 |
| Net loans and leases to deposits | 59.5331% | 4,596 |
| Net loans and leases to core deposits | 60.5587% | 4,731 |
| Total domestic deposits to total assets | 86.4252% | 2,263 |
| Equity capital to assets | 11.7005% | 2,031 |
| Core capital (leverage) ratio | 11.6355% | 1,843 |
| Tier 1 risk-based capital ratio | 20.0261% | 1,316 |
| Total risk-based capital ratio | 21.2867% | 1,275 |
| Memoranda: |
| Average total assets | $164,101,600 | 3,300 |
| Average earning assets | $152,344,200 | 3,295 |
| Average equity | $18,743,400 | 3,268 |
| Average total loans | $81,998,000 | 3,702 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2405% | 2,472 |
| Cost of funding earning assets | 0.1730% | 5,176 |
| Net interest margin | 4.0676% | 1,489 |
| Noninterest income to average assets | 0.7221% | 1,894 |
| Noninterest expense to average assets | 3.3669% | 1,208 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7668% | 3,662 |
| Return on assets (ROA) | 0.7917% | 3,606 |
| Pretax return on assets | 1.1811% | 2,981 |
| Return on Equity (ROE) | 6.9736% | 3,676 |
| Retained earnings to average equity (ytd only) | 6.3247% | 2,047 |
| Net charge-offs to loans | -0.0263% | 4,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6411% | 1,801 |
| Assets per employee ($millions) | 3.0012% | 5,268 |
| Cash dividends to net income (ytd only)* | 9.3047% | 3,500 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3695% | 312 |
| Loan loss allowance to noncurrent loans | 139.2905% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 1.4291% | 1,083 |
| Noncurrent loans to loans | 1.7011% | 1,063 |
| Net loans and leases to total assets | 51.9447% | 4,568 |
| Net loans and leases to deposits | 60.5861% | 4,611 |
| Net loans and leases to core deposits | 61.8054% | 4,723 |
| Total domestic deposits to total assets | 85.7370% | 2,414 |
| Equity capital to assets | 11.5967% | 2,280 |
| Core capital (leverage) ratio | 11.8442% | 1,789 |
| Tier 1 risk-based capital ratio | 19.5422% | 1,466 |
| Total risk-based capital ratio | 20.8024% | 1,431 |
| Memoranda: |
| Average total assets | $164,697,250 | 3,325 |
| Average earning assets | $153,404,500 | 3,308 |
| Average equity | $18,698,750 | 3,304 |
| Average total loans | $81,175,500 | 3,754 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1675% | 2,594 |
| Cost of funding earning assets | 0.1865% | 5,095 |
| Net interest margin | 3.9810% | 1,670 |
| Noninterest income to average assets | 0.7535% | 1,756 |
| Noninterest expense to average assets | 3.3966% | 1,177 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7304% | 3,706 |
| Return on assets (ROA) | 0.7304% | 3,768 |
| Pretax return on assets | 1.0670% | 3,308 |
| Return on Equity (ROE) | 6.4794% | 3,838 |
| Retained earnings to average equity (ytd only) | 5.8326% | 2,209 |
| Net charge-offs to loans | -0.1368% | 5,502 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0958% | 1,708 |
| Assets per employee ($millions) | 2.9770% | 5,289 |
| Cash dividends to net income (ytd only)* | 9.9834% | 3,372 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6558% | 235 |
| Loan loss allowance to noncurrent loans | 144.4444% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 1.4243% | 1,104 |
| Noncurrent loans to loans | 1.8386% | 963 |
| Net loans and leases to total assets | 47.4367% | 4,857 |
| Net loans and leases to deposits | 54.7037% | 4,924 |
| Net loans and leases to core deposits | 55.9546% | 4,993 |
| Total domestic deposits to total assets | 86.7156% | 2,080 |
| Equity capital to assets | 11.5914% | 2,236 |
| Core capital (leverage) ratio | 11.5371% | 1,946 |
| Tier 1 risk-based capital ratio | 20.9467% | 1,196 |
| Total risk-based capital ratio | 22.2102% | 1,164 |
| Memoranda: |
| Average total assets | $164,575,000 | 3,347 |
| Average earning assets | $153,377,670 | 3,331 |
| Average equity | $18,551,000 | 3,328 |
| Average total loans | $78,959,670 | 3,815 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1718% | 2,378 |
| Cost of funding earning assets | 0.1949% | 5,023 |
| Net interest margin | 3.9769% | 1,534 |
| Noninterest income to average assets | 0.6837% | 2,029 |
| Noninterest expense to average assets | 3.4086% | 1,187 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6521% | 3,928 |
| Return on assets (ROA) | 0.6521% | 3,963 |
| Pretax return on assets | 0.9843% | 3,436 |
| Return on Equity (ROE) | 5.8679% | 3,973 |
| Retained earnings to average equity (ytd only) | 5.2571% | 2,753 |
| Net charge-offs to loans | -0.0102% | 4,435 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5938% | 1,688 |
| Assets per employee ($millions) | 3.0028% | 5,351 |
| Cash dividends to net income (ytd only)* | 10.4089% | 2,690 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5847% | 284 |
| Loan loss allowance to noncurrent loans | 340.5272% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.8913% | 2,081 |
| Noncurrent loans to loans | 0.7590% | 2,584 |
| Net loans and leases to total assets | 47.1705% | 4,879 |
| Net loans and leases to deposits | 53.8342% | 4,943 |
| Net loans and leases to core deposits | 55.2323% | 5,013 |
| Total domestic deposits to total assets | 87.6219% | 1,927 |
| Equity capital to assets | 11.1974% | 2,434 |
| Core capital (leverage) ratio | 11.3429% | 2,067 |
| Tier 1 risk-based capital ratio | 20.6202% | 1,282 |
| Total risk-based capital ratio | 21.8829% | 1,254 |
| Memoranda: |
| Average total assets | $164,995,500 | 3,370 |
| Average earning assets | $153,890,500 | 3,353 |
| Average equity | $18,337,000 | 3,365 |
| Average total loans | $78,545,000 | 3,848 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1434% | 2,682 |
| Cost of funding earning assets | 0.2288% | 4,750 |
| Net interest margin | 3.9146% | 1,921 |
| Noninterest income to average assets | 0.7287% | 2,039 |
| Noninterest expense to average assets | 3.3581% | 1,445 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6651% | 3,928 |
| Return on assets (ROA) | 0.7105% | 3,854 |
| Pretax return on assets | 1.0785% | 3,187 |
| Return on Equity (ROE) | 6.3812% | 3,800 |
| Retained earnings to average equity (ytd only) | 3.7387% | 3,259 |
| Net charge-offs to loans | 0.0607% | 2,842 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 35.5532% | 1,285 |
| Efficiency ratio | 76.8848% | 1,867 |
| Assets per employee ($millions) | 2.9435% | 5,393 |
| Cash dividends to net income (ytd only)* | 41.4116% | 2,789 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6777% | 258 |
| Loan loss allowance to noncurrent loans | 368.7500% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.8645% | 2,188 |
| Noncurrent loans to loans | 0.7262% | 2,718 |
| Net loans and leases to total assets | 45.5323% | 5,041 |
| Net loans and leases to deposits | 52.0193% | 5,124 |
| Net loans and leases to core deposits | 53.5714% | 5,165 |
| Total domestic deposits to total assets | 87.5295% | 1,856 |
| Equity capital to assets | 11.0297% | 2,610 |
| Core capital (leverage) ratio | 11.1026% | 2,255 |
| Tier 1 risk-based capital ratio | 21.1636% | 1,179 |
| Total risk-based capital ratio | 22.4270% | 1,164 |
| Memoranda: |
| Average total assets | $165,508,200 | 3,339 |
| Average earning assets | $153,859,000 | 3,326 |
| Average equity | $18,429,000 | 3,349 |
| Average total loans | $77,368,600 | 3,864 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1541% | 2,668 |
| Cost of funding earning assets | 0.2322% | 4,773 |
| Net interest margin | 3.9218% | 1,903 |
| Noninterest income to average assets | 0.7774% | 1,857 |
| Noninterest expense to average assets | 3.3357% | 1,484 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7104% | 3,787 |
| Return on assets (ROA) | 0.7710% | 3,649 |
| Pretax return on assets | 1.1758% | 2,934 |
| Return on Equity (ROE) | 6.9077% | 3,608 |
| Retained earnings to average equity (ytd only) | 6.3309% | 1,995 |
| Net charge-offs to loans | 0.0413% | 2,810 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 56.1238% | 1,002 |
| Efficiency ratio | 75.4734% | 2,040 |
| Assets per employee ($millions) | 3.0299% | 5,365 |
| Cash dividends to net income (ytd only)* | 8.3504% | 3,587 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7573% | 245 |
| Loan loss allowance to noncurrent loans | 398.4733% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.8755% | 2,361 |
| Noncurrent loans to loans | 0.6920% | 2,957 |
| Net loans and leases to total assets | 44.1897% | 5,177 |
| Net loans and leases to deposits | 50.7533% | 5,263 |
| Net loans and leases to core deposits | 52.4524% | 5,291 |
| Total domestic deposits to total assets | 87.0676% | 1,863 |
| Equity capital to assets | 11.4766% | 2,533 |
| Core capital (leverage) ratio | 11.3642% | 2,142 |
| Tier 1 risk-based capital ratio | 21.7656% | 1,162 |
| Total risk-based capital ratio | 23.0306% | 1,143 |
| Memoranda: |
| Average total assets | $165,676,000 | 3,351 |
| Average earning assets | $153,870,000 | 3,338 |
| Average equity | $18,491,000 | 3,368 |
| Average total loans | $77,431,000 | 3,891 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1720% | 2,598 |
| Cost of funding earning assets | 0.2358% | 4,794 |
| Net interest margin | 3.9362% | 1,855 |
| Noninterest income to average assets | 0.7511% | 1,930 |
| Noninterest expense to average assets | 3.3661% | 1,446 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6882% | 3,855 |
| Return on assets (ROA) | 0.6882% | 4,005 |
| Pretax return on assets | 1.0390% | 3,439 |
| Return on Equity (ROE) | 6.2255% | 3,948 |
| Retained earnings to average equity (ytd only) | 5.6456% | 2,338 |
| Net charge-offs to loans | 0.0564% | 2,388 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 39.0455% | 1,175 |
| Efficiency ratio | 76.4141% | 2,024 |
| Assets per employee ($millions) | 2.9230% | 5,510 |
| Cash dividends to net income (ytd only)* | 9.3146% | 3,478 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6753% | 290 |
| Loan loss allowance to noncurrent loans | 355.4422% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 1.1644% | 1,810 |
| Noncurrent loans to loans | 0.7527% | 2,865 |
| Net loans and leases to total assets | 46.4488% | 5,101 |
| Net loans and leases to deposits | 53.2679% | 5,180 |
| Net loans and leases to core deposits | 54.9793% | 5,226 |
| Total domestic deposits to total assets | 87.1984% | 1,807 |
| Equity capital to assets | 11.5242% | 2,522 |
| Core capital (leverage) ratio | 10.9939% | 2,435 |
| Tier 1 risk-based capital ratio | 20.9818% | 1,271 |
| Total risk-based capital ratio | 22.2463% | 1,257 |
| Memoranda: |
| Average total assets | $165,353,670 | 3,373 |
| Average earning assets | $153,499,670 | 3,360 |
| Average equity | $18,279,670 | 3,407 |
| Average total loans | $77,999,000 | 3,902 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1771% | 2,557 |
| Cost of funding earning assets | 0.2357% | 4,850 |
| Net interest margin | 3.9415% | 1,810 |
| Noninterest income to average assets | 0.7510% | 1,817 |
| Noninterest expense to average assets | 3.3866% | 1,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6812% | 3,810 |
| Return on assets (ROA) | 0.6812% | 3,928 |
| Pretax return on assets | 1.0278% | 3,375 |
| Return on Equity (ROE) | 6.2933% | 3,837 |
| Retained earnings to average equity (ytd only) | 5.7151% | 2,521 |
| Net charge-offs to loans | 0.0103% | 2,779 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 213.5000% | 286 |
| Efficiency ratio | 76.7176% | 2,080 |
| Assets per employee ($millions) | 2.9328% | 5,570 |
| Cash dividends to net income (ytd only)* | 9.1873% | 2,724 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7323% | 299 |
| Loan loss allowance to noncurrent loans | 343.6482% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 1.2508% | 1,740 |
| Noncurrent loans to loans | 0.7951% | 2,846 |
| Net loans and leases to total assets | 44.9324% | 5,195 |
| Net loans and leases to deposits | 51.3649% | 5,256 |
| Net loans and leases to core deposits | 52.9774% | 5,311 |
| Total domestic deposits to total assets | 87.4767% | 1,944 |
| Equity capital to assets | 10.9434% | 3,000 |
| Core capital (leverage) ratio | 10.8410% | 2,582 |
| Tier 1 risk-based capital ratio | 20.7924% | 1,345 |
| Total risk-based capital ratio | 22.0566% | 1,317 |
| Memoranda: |
| Average total assets | $166,185,500 | 3,377 |
| Average earning assets | $154,460,500 | 3,360 |
| Average equity | $17,987,500 | 3,441 |
| Average total loans | $77,937,500 | 3,918 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3151% | 2,175 |
| Cost of funding earning assets | 0.2816% | 4,469 |
| Net interest margin | 4.0335% | 1,610 |
| Noninterest income to average assets | 0.6125% | 2,655 |
| Noninterest expense to average assets | 3.3166% | 1,687 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6839% | 3,889 |
| Return on assets (ROA) | 0.6922% | 3,960 |
| Pretax return on assets | 1.0428% | 3,294 |
| Return on Equity (ROE) | 6.5867% | 3,740 |
| Retained earnings to average equity (ytd only) | 3.8893% | 3,269 |
| Net charge-offs to loans | 0.0063% | 4,234 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 343.8000% | 201 |
| Efficiency ratio | 76.2995% | 2,224 |
| Assets per employee ($millions) | 2.8483% | 5,661 |
| Cash dividends to net income (ytd only)* | 40.9524% | 2,797 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6852% | 322 |
| Loan loss allowance to noncurrent loans | 335.7711% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 1.2839% | 1,661 |
| Noncurrent loans to loans | 0.7997% | 2,789 |
| Net loans and leases to total assets | 46.3312% | 5,133 |
| Net loans and leases to deposits | 52.8697% | 5,228 |
| Net loans and leases to core deposits | 54.5098% | 5,280 |
| Total domestic deposits to total assets | 87.6327% | 1,829 |
| Equity capital to assets | 10.7027% | 3,133 |
| Core capital (leverage) ratio | 10.6341% | 2,793 |
| Tier 1 risk-based capital ratio | 20.2726% | 1,431 |
| Total risk-based capital ratio | 21.5369% | 1,404 |
| Memoranda: |
| Average total assets | $166,855,400 | 3,354 |
| Average earning assets | $154,479,400 | 3,334 |
| Average equity | $17,535,400 | 3,452 |
| Average total loans | $79,764,600 | 3,833 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2659% | 2,345 |
| Cost of funding earning assets | 0.2938% | 4,407 |
| Net interest margin | 3.9720% | 1,797 |
| Noninterest income to average assets | 0.6170% | 2,650 |
| Noninterest expense to average assets | 3.3351% | 1,609 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6384% | 4,195 |
| Return on assets (ROA) | 0.6496% | 4,245 |
| Pretax return on assets | 0.9733% | 3,723 |
| Return on Equity (ROE) | 6.2097% | 4,051 |
| Retained earnings to average equity (ytd only) | 5.6764% | 2,469 |
| Net charge-offs to loans | 0.0033% | 4,067 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 599.2360% | 124 |
| Efficiency ratio | 77.7117% | 1,991 |
| Assets per employee ($millions) | 3.1009% | 5,428 |
| Cash dividends to net income (ytd only)* | 8.5889% | 3,618 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6356% | 362 |
| Loan loss allowance to noncurrent loans | 243.3832% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 1.4542% | 1,547 |
| Noncurrent loans to loans | 1.0829% | 2,319 |
| Net loans and leases to total assets | 46.6611% | 5,178 |
| Net loans and leases to deposits | 53.4919% | 5,284 |
| Net loans and leases to core deposits | 55.1514% | 5,346 |
| Total domestic deposits to total assets | 87.2301% | 1,926 |
| Equity capital to assets | 10.7550% | 3,294 |
| Core capital (leverage) ratio | 10.6099% | 2,917 |
| Tier 1 risk-based capital ratio | 20.0511% | 1,535 |
| Total risk-based capital ratio | 21.3153% | 1,496 |
| Memoranda: |
| Average total assets | $167,268,750 | 3,377 |
| Average earning assets | $154,744,500 | 3,358 |
| Average equity | $17,499,000 | 3,481 |
| Average total loans | $80,042,750 | 3,856 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3148% | 2,122 |
| Cost of funding earning assets | 0.3089% | 4,295 |
| Net interest margin | 4.0059% | 1,625 |
| Noninterest income to average assets | 0.6626% | 2,399 |
| Noninterest expense to average assets | 3.3491% | 1,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6789% | 3,982 |
| Return on assets (ROA) | 0.6902% | 4,050 |
| Pretax return on assets | 1.0370% | 3,431 |
| Return on Equity (ROE) | 6.6594% | 3,805 |
| Retained earnings to average equity (ytd only) | 6.1169% | 2,161 |
| Net charge-offs to loans | -0.0550% | 5,579 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6493% | 2,258 |
| Assets per employee ($millions) | 2.9762% | 5,624 |
| Cash dividends to net income (ytd only)* | 8.1456% | 3,495 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6687% | 390 |
| Loan loss allowance to noncurrent loans | 226.5890% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 1.6317% | 1,471 |
| Noncurrent loans to loans | 1.1778% | 2,299 |
| Net loans and leases to total assets | 45.9871% | 5,245 |
| Net loans and leases to deposits | 52.5237% | 5,348 |
| Net loans and leases to core deposits | 54.5187% | 5,391 |
| Total domestic deposits to total assets | 87.5549% | 1,875 |
| Equity capital to assets | 10.3625% | 3,599 |
| Core capital (leverage) ratio | 10.3128% | 3,207 |
| Tier 1 risk-based capital ratio | 19.8815% | 1,578 |
| Total risk-based capital ratio | 21.1458% | 1,533 |
| Memoranda: |
| Average total assets | $167,209,000 | 3,400 |
| Average earning assets | $154,721,670 | 3,379 |
| Average equity | $17,329,000 | 3,522 |
| Average total loans | $79,974,330 | 3,883 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2422% | 2,306 |
| Cost of funding earning assets | 0.3231% | 4,185 |
| Net interest margin | 3.9191% | 1,822 |
| Noninterest income to average assets | 0.6747% | 2,278 |
| Noninterest expense to average assets | 3.3134% | 1,691 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6627% | 3,991 |
| Return on assets (ROA) | 0.6627% | 4,115 |
| Pretax return on assets | 0.9856% | 3,556 |
| Return on Equity (ROE) | 6.3750% | 3,842 |
| Retained earnings to average equity (ytd only) | 5.8418% | 2,585 |
| Net charge-offs to loans | -0.1052% | 5,874 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0740% | 2,330 |
| Assets per employee ($millions) | 2.9249% | 5,761 |
| Cash dividends to net income (ytd only)* | 8.3636% | 2,743 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6870% | 413 |
| Loan loss allowance to noncurrent loans | 140.1967% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 1.7643% | 1,391 |
| Noncurrent loans to loans | 1.9166% | 1,397 |
| Net loans and leases to total assets | 45.6421% | 5,224 |
| Net loans and leases to deposits | 52.5858% | 5,301 |
| Net loans and leases to core deposits | 54.6953% | 5,331 |
| Total domestic deposits to total assets | 86.7954% | 2,496 |
| Equity capital to assets | 10.3174% | 3,756 |
| Core capital (leverage) ratio | 10.4384% | 3,048 |
| Tier 1 risk-based capital ratio | 20.0494% | 1,599 |
| Total risk-based capital ratio | 21.3144% | 1,567 |
| Memoranda: |
| Average total assets | $165,990,500 | 3,426 |
| Average earning assets | $153,506,500 | 3,410 |
| Average equity | $17,255,000 | 3,555 |
| Average total loans | $79,885,500 | 3,893 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4776% | 1,965 |
| Cost of funding earning assets | 0.3737% | 3,996 |
| Net interest margin | 4.1039% | 1,569 |
| Noninterest income to average assets | 0.6863% | 2,363 |
| Noninterest expense to average assets | 3.4464% | 1,609 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6826% | 3,979 |
| Return on assets (ROA) | 0.7000% | 4,010 |
| Pretax return on assets | 1.0338% | 3,375 |
| Return on Equity (ROE) | 6.8667% | 3,708 |
| Retained earnings to average equity (ytd only) | 6.5785% | 1,608 |
| Net charge-offs to loans | 0.1189% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 17.1596% | 1,954 |
| Efficiency ratio | 77.3678% | 2,299 |
| Assets per employee ($millions) | 2.7989% | 5,930 |
| Cash dividends to net income (ytd only)* | 4.1964% | 4,255 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6396% | 462 |
| Loan loss allowance to noncurrent loans | 131.3275% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 1.8850% | 1,365 |
| Noncurrent loans to loans | 2.0099% | 1,385 |
| Net loans and leases to total assets | 48.1018% | 5,144 |
| Net loans and leases to deposits | 55.0774% | 5,242 |
| Net loans and leases to core deposits | 57.2911% | 5,292 |
| Total domestic deposits to total assets | 87.3348% | 2,109 |
| Equity capital to assets | 10.4765% | 3,517 |
| Core capital (leverage) ratio | 10.3183% | 3,143 |
| Tier 1 risk-based capital ratio | 20.0692% | 1,593 |
| Total risk-based capital ratio | 21.3348% | 1,553 |
| Memoranda: |
| Average total assets | $159,991,600 | 3,491 |
| Average earning assets | $146,909,000 | 3,496 |
| Average equity | $16,310,600 | 3,626 |
| Average total loans | $79,049,800 | 3,902 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4456% | 2,061 |
| Cost of funding earning assets | 0.3821% | 3,999 |
| Net interest margin | 4.0635% | 1,685 |
| Noninterest income to average assets | 0.7126% | 2,268 |
| Noninterest expense to average assets | 3.4477% | 1,568 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6749% | 4,078 |
| Return on assets (ROA) | 0.6926% | 4,073 |
| Pretax return on assets | 1.0179% | 3,530 |
| Return on Equity (ROE) | 6.8414% | 3,793 |
| Retained earnings to average equity (ytd only) | 6.6514% | 2,011 |
| Net charge-offs to loans | 0.0491% | 3,518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 40.8919% | 1,112 |
| Efficiency ratio | 77.6564% | 2,240 |
| Assets per employee ($millions) | 2.8009% | 5,963 |
| Cash dividends to net income (ytd only)* | 2.7782% | 3,758 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7367% | 472 |
| Loan loss allowance to noncurrent loans | 100.0917% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 2.4748% | 1,076 |
| Noncurrent loans to loans | 2.7342% | 1,029 |
| Net loans and leases to total assets | 48.5753% | 5,141 |
| Net loans and leases to deposits | 55.2563% | 5,292 |
| Net loans and leases to core deposits | 57.4355% | 5,369 |
| Total domestic deposits to total assets | 87.9091% | 1,808 |
| Equity capital to assets | 10.4003% | 3,679 |
| Core capital (leverage) ratio | 10.2159% | 3,393 |
| Tier 1 risk-based capital ratio | 19.2126% | 1,854 |
| Total risk-based capital ratio | 20.4792% | 1,819 |
| Memoranda: |
| Average total assets | $159,405,750 | 3,525 |
| Average earning assets | $146,209,500 | 3,533 |
| Average equity | $16,136,500 | 3,671 |
| Average total loans | $78,761,500 | 3,936 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4446% | 2,013 |
| Cost of funding earning assets | 0.3879% | 4,023 |
| Net interest margin | 4.0567% | 1,642 |
| Noninterest income to average assets | 0.7281% | 2,153 |
| Noninterest expense to average assets | 3.5148% | 1,450 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6372% | 4,168 |
| Return on assets (ROA) | 0.6641% | 4,121 |
| Pretax return on assets | 0.9678% | 3,617 |
| Return on Equity (ROE) | 6.6205% | 3,820 |
| Retained earnings to average equity (ytd only) | 6.6205% | 1,965 |
| Net charge-offs to loans | 0.3570% | 1,149 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.2857% | 2,956 |
| Efficiency ratio | 79.0960% | 2,153 |
| Assets per employee ($millions) | 2.7565% | 6,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5873% | 628 |
| Loan loss allowance to noncurrent loans | 95.5699% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 2.6439% | 1,018 |
| Noncurrent loans to loans | 2.7073% | 1,123 |
| Net loans and leases to total assets | 48.7706% | 5,109 |
| Net loans and leases to deposits | 55.6811% | 5,219 |
| Net loans and leases to core deposits | 57.7402% | 5,292 |
| Total domestic deposits to total assets | 87.5892% | 2,150 |
| Equity capital to assets | 10.2716% | 3,727 |
| Core capital (leverage) ratio | 9.8891% | 3,760 |
| Tier 1 risk-based capital ratio | 18.5179% | 2,060 |
| Total risk-based capital ratio | 19.7825% | 2,012 |
| Memoranda: |
| Average total assets | $159,324,670 | 3,546 |
| Average earning assets | $145,930,670 | 3,567 |
| Average equity | $15,980,670 | 3,697 |
| Average total loans | $78,438,000 | 3,960 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3364% | 2,382 |
| Cost of funding earning assets | 0.4015% | 3,952 |
| Net interest margin | 3.9349% | 1,968 |
| Noninterest income to average assets | 0.7897% | 1,797 |
| Noninterest expense to average assets | 3.5385% | 1,417 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5850% | 4,262 |
| Return on assets (ROA) | 0.6388% | 4,094 |
| Pretax return on assets | 0.9280% | 3,597 |
| Return on Equity (ROE) | 6.4467% | 3,784 |
| Retained earnings to average equity (ytd only) | 6.4467% | 2,319 |
| Net charge-offs to loans | 0.6853% | 534 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.5414% | 2,855 |
| Efficiency ratio | 80.6304% | 2,102 |
| Assets per employee ($millions) | 2.7372% | 6,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6734% | 654 |
| Loan loss allowance to noncurrent loans | 88.1629% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 2.7976% | 1,067 |
| Noncurrent loans to loans | 3.0323% | 1,040 |
| Net loans and leases to total assets | 46.8454% | 5,246 |
| Net loans and leases to deposits | 53.3809% | 5,343 |
| Net loans and leases to core deposits | 55.5317% | 5,387 |
| Total domestic deposits to total assets | 87.7567% | 2,378 |
| Equity capital to assets | 9.8506% | 4,030 |
| Core capital (leverage) ratio | 9.8247% | 3,826 |
| Tier 1 risk-based capital ratio | 18.3577% | 2,162 |
| Total risk-based capital ratio | 19.6225% | 2,124 |
| Memoranda: |
| Average total assets | $159,048,500 | 3,572 |
| Average earning assets | $145,466,000 | 3,598 |
| Average equity | $15,760,000 | 3,740 |
| Average total loans | $77,635,000 | 4,008 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4707% | 2,316 |
| Cost of funding earning assets | 0.4411% | 4,205 |
| Net interest margin | 4.0296% | 1,870 |
| Noninterest income to average assets | 0.5208% | 3,625 |
| Noninterest expense to average assets | 3.4456% | 1,777 |
| Loan and lease loss provision to assets | 0.5357% | 503 |
| Net operating income to assets | 0.1882% | 5,859 |
| Return on assets (ROA) | 0.2644% | 5,723 |
| Pretax return on assets | 0.2811% | 5,778 |
| Return on Equity (ROE) | 2.7075% | 5,615 |
| Retained earnings to average equity (ytd only) | 2.7075% | 4,314 |
| Net charge-offs to loans | 1.0808% | 522 |
| Credit loss provision to net charge-offs | 99.7693% | 2,486 |
| Earnings coverage of net charge-offs (x) | 1.3702% | 4,605 |
| Efficiency ratio | 82.4052% | 1,822 |
| Assets per employee ($millions) | 2.9001% | 5,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8514% | 555 |
| Loan loss allowance to noncurrent loans | 91.1377% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 3.2624% | 930 |
| Noncurrent loans to loans | 3.1287% | 1,096 |
| Net loans and leases to total assets | 48.1016% | 5,283 |
| Net loans and leases to deposits | 54.8861% | 5,393 |
| Net loans and leases to core deposits | 57.1688% | 5,451 |
| Total domestic deposits to total assets | 87.6389% | 2,399 |
| Equity capital to assets | 9.9691% | 3,817 |
| Core capital (leverage) ratio | 9.7513% | 3,906 |
| Tier 1 risk-based capital ratio | 17.5804% | 2,382 |
| Total risk-based capital ratio | 18.8463% | 2,354 |
| Memoranda: |
| Average total assets | $161,482,800 | 3,538 |
| Average earning assets | $146,688,800 | 3,561 |
| Average equity | $15,771,000 | 3,744 |
| Average total loans | $80,221,000 | 3,932 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4743% | 2,329 |
| Cost of funding earning assets | 0.4459% | 4,326 |
| Net interest margin | 4.0284% | 1,850 |
| Noninterest income to average assets | 0.6752% | 2,751 |
| Noninterest expense to average assets | 3.4688% | 1,679 |
| Loan and lease loss provision to assets | 0.7088% | 310 |
| Net operating income to assets | 0.1543% | 6,029 |
| Return on assets (ROA) | 0.2606% | 5,853 |
| Pretax return on assets | 0.2622% | 5,948 |
| Return on Equity (ROE) | 2.6817% | 5,717 |
| Retained earnings to average equity (ytd only) | 2.6817% | 4,711 |
| Net charge-offs to loans | 1.4307% | 335 |
| Credit loss provision to net charge-offs | 99.6544% | 2,394 |
| Earnings coverage of net charge-offs (x) | 1.2143% | 4,437 |
| Efficiency ratio | 80.0643% | 2,089 |
| Assets per employee ($millions) | 2.7979% | 6,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8682% | 635 |
| Loan loss allowance to noncurrent loans | 92.7792% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 3.6124% | 917 |
| Noncurrent loans to loans | 3.0914% | 1,288 |
| Net loans and leases to total assets | 47.7678% | 5,376 |
| Net loans and leases to deposits | 54.8783% | 5,464 |
| Net loans and leases to core deposits | 56.8629% | 5,542 |
| Total domestic deposits to total assets | 87.0431% | 2,669 |
| Equity capital to assets | 9.8997% | 4,050 |
| Core capital (leverage) ratio | 9.6532% | 4,164 |
| Tier 1 risk-based capital ratio | 17.3273% | 2,570 |
| Total risk-based capital ratio | 18.5929% | 2,537 |
| Memoranda: |
| Average total assets | $162,702,500 | 3,559 |
| Average earning assets | $147,715,250 | 3,582 |
| Average equity | $15,810,750 | 3,774 |
| Average total loans | $80,891,250 | 3,945 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4718% | 2,298 |
| Cost of funding earning assets | 0.4478% | 4,452 |
| Net interest margin | 4.0239% | 1,781 |
| Noninterest income to average assets | 0.6630% | 2,837 |
| Noninterest expense to average assets | 3.4728% | 1,673 |
| Loan and lease loss provision to assets | 0.7031% | 332 |
| Net operating income to assets | 0.1513% | 6,021 |
| Return on assets (ROA) | 0.3072% | 5,731 |
| Pretax return on assets | 0.3121% | 5,843 |
| Return on Equity (ROE) | 3.1803% | 5,556 |
| Retained earnings to average equity (ytd only) | 3.1803% | 4,291 |
| Net charge-offs to loans | 1.2316% | 463 |
| Credit loss provision to net charge-offs | 114.4269% | 1,934 |
| Earnings coverage of net charge-offs (x) | 1.3933% | 4,075 |
| Efficiency ratio | 80.2244% | 2,121 |
| Assets per employee ($millions) | 2.8145% | 6,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8642% | 665 |
| Loan loss allowance to noncurrent loans | 57.2502% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 4.7124% | 676 |
| Noncurrent loans to loans | 5.0029% | 646 |
| Net loans and leases to total assets | 48.3248% | 5,296 |
| Net loans and leases to deposits | 55.4993% | 5,389 |
| Net loans and leases to core deposits | 57.9884% | 5,423 |
| Total domestic deposits to total assets | 87.0728% | 2,777 |
| Equity capital to assets | 9.7096% | 4,299 |
| Core capital (leverage) ratio | 9.3715% | 4,430 |
| Tier 1 risk-based capital ratio | 16.6868% | 2,846 |
| Total risk-based capital ratio | 17.9522% | 2,811 |
| Memoranda: |
| Average total assets | $164,709,670 | 3,545 |
| Average earning assets | $150,052,330 | 3,554 |
| Average equity | $15,910,670 | 3,781 |
| Average total loans | $82,170,670 | 3,923 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4675% | 2,285 |
| Cost of funding earning assets | 0.4549% | 4,539 |
| Net interest margin | 4.0126% | 1,738 |
| Noninterest income to average assets | 0.6641% | 2,795 |
| Noninterest expense to average assets | 3.4474% | 1,727 |
| Loan and lease loss provision to assets | 0.9997% | 179 |
| Net operating income to assets | -0.0120% | 6,362 |
| Return on assets (ROA) | -0.0120% | 6,429 |
| Pretax return on assets | -0.1247% | 6,503 |
| Return on Equity (ROE) | -0.1244% | 6,433 |
| Retained earnings to average equity (ytd only) | -0.1244% | 5,801 |
| Net charge-offs to loans | 2.1884% | 207 |
| Credit loss provision to net charge-offs | 91.4474% | 2,000 |
| Earnings coverage of net charge-offs (x) | 0.8004% | 3,562 |
| Efficiency ratio | 79.7560% | 2,370 |
| Assets per employee ($millions) | 3.0831% | 5,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6244% | 989 |
| Loan loss allowance to noncurrent loans | 43.5497% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 4.8753% | 751 |
| Noncurrent loans to loans | 6.0262% | 549 |
| Net loans and leases to total assets | 47.5700% | 5,274 |
| Net loans and leases to deposits | 55.1304% | 5,336 |
| Net loans and leases to core deposits | 58.3115% | 5,315 |
| Total domestic deposits to total assets | 86.2864% | 3,365 |
| Equity capital to assets | 9.4628% | 4,899 |
| Core capital (leverage) ratio | 9.2752% | 4,443 |
| Tier 1 risk-based capital ratio | 16.1289% | 3,191 |
| Total risk-based capital ratio | 17.3921% | 3,141 |
| Memoranda: |
| Average total assets | $166,850,000 | 3,552 |
| Average earning assets | $152,122,000 | 3,557 |
| Average equity | $16,077,500 | 3,806 |
| Average total loans | $83,349,500 | 3,918 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7246% | 2,494 |
| Cost of funding earning assets | 0.5737% | 4,599 |
| Net interest margin | 4.1508% | 1,814 |
| Noninterest income to average assets | 0.3885% | 4,696 |
| Noninterest expense to average assets | 3.3267% | 2,264 |
| Loan and lease loss provision to assets | 0.4749% | 1,299 |
| Net operating income to assets | 0.3076% | 5,445 |
| Return on assets (ROA) | 0.3081% | 5,647 |
| Pretax return on assets | 0.3686% | 5,659 |
| Return on Equity (ROE) | 3.2089% | 5,471 |
| Retained earnings to average equity (ytd only) | 3.0453% | 4,090 |
| Net charge-offs to loans | 0.6473% | 1,815 |
| Credit loss provision to net charge-offs | 141.1131% | 1,945 |
| Earnings coverage of net charge-offs (x) | 2.5045% | 4,166 |
| Efficiency ratio | 79.7855% | 2,174 |
| Assets per employee ($millions) | 3.1564% | 5,724 |
| Cash dividends to net income (ytd only)* | 5.0980% | 4,199 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6389% | 979 |
| Loan loss allowance to noncurrent loans | 63.0484% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 4.5141% | 913 |
| Noncurrent loans to loans | 4.1855% | 1,088 |
| Net loans and leases to total assets | 49.7456% | 5,203 |
| Net loans and leases to deposits | 57.4650% | 5,300 |
| Net loans and leases to core deposits | 60.8796% | 5,285 |
| Total domestic deposits to total assets | 86.5668% | 3,064 |
| Equity capital to assets | 9.8147% | 4,429 |
| Core capital (leverage) ratio | 9.5267% | 4,069 |
| Tier 1 risk-based capital ratio | 16.1223% | 3,089 |
| Total risk-based capital ratio | 17.3849% | 3,037 |
| Memoranda: |
| Average total assets | $165,510,000 | 3,528 |
| Average earning assets | $150,765,400 | 3,539 |
| Average equity | $15,893,200 | 3,788 |
| Average total loans | $86,043,400 | 3,845 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7745% | 2,485 |
| Cost of funding earning assets | 0.6002% | 4,646 |
| Net interest margin | 4.1742% | 1,810 |
| Noninterest income to average assets | 0.4856% | 4,019 |
| Noninterest expense to average assets | 3.2960% | 2,286 |
| Loan and lease loss provision to assets | 0.4711% | 1,317 |
| Net operating income to assets | 0.4062% | 5,222 |
| Return on assets (ROA) | 0.4068% | 5,449 |
| Pretax return on assets | 0.5266% | 5,392 |
| Return on Equity (ROE) | 4.2594% | 5,168 |
| Retained earnings to average equity (ytd only) | 4.0405% | 4,045 |
| Net charge-offs to loans | 0.3018% | 2,930 |
| Credit loss provision to net charge-offs | 298.9796% | 908 |
| Earnings coverage of net charge-offs (x) | 6.3264% | 2,816 |
| Efficiency ratio | 76.7790% | 2,553 |
| Assets per employee ($millions) | 3.0838% | 5,888 |
| Cash dividends to net income (ytd only)* | 5.1390% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7680% | 913 |
| Loan loss allowance to noncurrent loans | 42.5448% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 5.0840% | 875 |
| Noncurrent loans to loans | 6.5060% | 588 |
| Net loans and leases to total assets | 50.0790% | 5,305 |
| Net loans and leases to deposits | 57.7826% | 5,450 |
| Net loans and leases to core deposits | 60.7524% | 5,480 |
| Total domestic deposits to total assets | 86.6679% | 2,870 |
| Equity capital to assets | 9.7500% | 4,851 |
| Core capital (leverage) ratio | 9.5392% | 4,207 |
| Tier 1 risk-based capital ratio | 16.1163% | 3,213 |
| Total risk-based capital ratio | 17.3809% | 3,177 |
| Memoranda: |
| Average total assets | $165,854,750 | 3,558 |
| Average earning assets | $151,273,250 | 3,565 |
| Average equity | $15,839,250 | 3,843 |
| Average total loans | $86,589,000 | 3,869 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8074% | 2,478 |
| Cost of funding earning assets | 0.6349% | 4,577 |
| Net interest margin | 4.1725% | 1,833 |
| Noninterest income to average assets | 0.7124% | 2,597 |
| Noninterest expense to average assets | 3.5512% | 1,674 |
| Loan and lease loss provision to assets | 0.5373% | 1,151 |
| Net operating income to assets | 0.3478% | 5,441 |
| Return on assets (ROA) | 0.3478% | 5,666 |
| Pretax return on assets | 0.4250% | 5,647 |
| Return on Equity (ROE) | 3.6672% | 5,412 |
| Retained earnings to average equity (ytd only) | 3.3361% | 4,382 |
| Net charge-offs to loans | 0.0806% | 4,340 |
| Credit loss provision to net charge-offs | 1,271.4286% | 252 |
| Earnings coverage of net charge-offs (x) | 22.7714% | 1,279 |
| Efficiency ratio | 78.6784% | 2,373 |
| Assets per employee ($millions) | 3.0547% | 5,940 |
| Cash dividends to net income (ytd only)* | 9.0278% | 3,323 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7908% | 955 |
| Loan loss allowance to noncurrent loans | 49.1278% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 4.4139% | 1,125 |
| Noncurrent loans to loans | 5.6807% | 803 |
| Net loans and leases to total assets | 50.5517% | 5,291 |
| Net loans and leases to deposits | 58.8288% | 5,367 |
| Net loans and leases to core deposits | 62.3005% | 5,360 |
| Total domestic deposits to total assets | 85.9302% | 3,388 |
| Equity capital to assets | 9.6226% | 4,879 |
| Core capital (leverage) ratio | 9.2407% | 4,537 |
| Tier 1 risk-based capital ratio | 15.8693% | 3,224 |
| Total risk-based capital ratio | 17.1342% | 3,193 |
| Memoranda: |
| Average total assets | $165,632,000 | 3,572 |
| Average earning assets | $150,891,330 | 3,585 |
| Average equity | $15,707,000 | 3,851 |
| Average total loans | $86,863,000 | 3,884 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8389% | 2,490 |
| Cost of funding earning assets | 0.6708% | 4,531 |
| Net interest margin | 4.1681% | 1,857 |
| Noninterest income to average assets | 0.8001% | 2,166 |
| Noninterest expense to average assets | 3.4633% | 1,838 |
| Loan and lease loss provision to assets | 0.5061% | 1,199 |
| Net operating income to assets | 0.4676% | 4,970 |
| Return on assets (ROA) | 0.4676% | 5,162 |
| Pretax return on assets | 0.6194% | 5,048 |
| Return on Equity (ROE) | 4.9667% | 4,800 |
| Retained earnings to average equity (ytd only) | 4.3011% | 4,008 |
| Net charge-offs to loans | 0.0229% | 4,364 |
| Credit loss provision to net charge-offs | 4,200.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 93.4000% | 365 |
| Efficiency ratio | 75.4727% | 2,857 |
| Assets per employee ($millions) | 3.0172% | 6,120 |
| Cash dividends to net income (ytd only)* | 13.4021% | 2,473 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5269% | 1,314 |
| Loan loss allowance to noncurrent loans | 40.7635% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 5.0833% | 1,014 |
| Noncurrent loans to loans | 6.1989% | 798 |
| Net loans and leases to total assets | 49.9746% | 5,311 |
| Net loans and leases to deposits | 58.1624% | 5,354 |
| Net loans and leases to core deposits | 61.5023% | 5,380 |
| Total domestic deposits to total assets | 85.9224% | 3,577 |
| Equity capital to assets | 9.2807% | 5,121 |
| Core capital (leverage) ratio | 9.3376% | 4,302 |
| Tier 1 risk-based capital ratio | 15.4476% | 3,477 |
| Total risk-based capital ratio | 16.7100% | 3,439 |
| Memoranda: |
| Average total assets | $165,970,000 | 3,581 |
| Average earning assets | $150,861,000 | 3,601 |
| Average equity | $15,624,000 | 3,870 |
| Average total loans | $87,403,500 | 3,904 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1745% | 2,168 |
| Cost of funding earning assets | 0.7742% | 5,038 |
| Net interest margin | 4.4003% | 1,398 |
| Noninterest income to average assets | 0.7866% | 2,136 |
| Noninterest expense to average assets | 3.6552% | 1,628 |
| Loan and lease loss provision to assets | 0.7589% | 1,321 |
| Net operating income to assets | 0.3199% | 5,190 |
| Return on assets (ROA) | 0.3588% | 5,202 |
| Pretax return on assets | 0.4315% | 5,198 |
| Return on Equity (ROE) | 3.7627% | 4,972 |
| Retained earnings to average equity (ytd only) | 3.1420% | 3,984 |
| Net charge-offs to loans | 1.1432% | 1,487 |
| Credit loss provision to net charge-offs | 116.4617% | 2,779 |
| Earnings coverage of net charge-offs (x) | 1.7550% | 4,464 |
| Efficiency ratio | 76.1691% | 2,865 |
| Assets per employee ($millions) | 2.9103% | 6,269 |
| Cash dividends to net income (ytd only)* | 16.4948% | 3,667 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2500% | 1,711 |
| Loan loss allowance to noncurrent loans | 47.9459% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 4.4859% | 1,225 |
| Noncurrent loans to loans | 4.6927% | 1,256 |
| Net loans and leases to total assets | 52.8882% | 5,181 |
| Net loans and leases to deposits | 61.4621% | 5,316 |
| Net loans and leases to core deposits | 65.1177% | 5,351 |
| Total domestic deposits to total assets | 86.0501% | 3,296 |
| Equity capital to assets | 9.5517% | 4,802 |
| Core capital (leverage) ratio | 9.3173% | 4,301 |
| Tier 1 risk-based capital ratio | 15.3530% | 3,419 |
| Total risk-based capital ratio | 16.6124% | 3,367 |
| Memoranda: |
| Average total assets | $162,208,200 | 3,603 |
| Average earning assets | $147,899,400 | 3,603 |
| Average equity | $15,467,800 | 3,824 |
| Average total loans | $92,463,600 | 3,799 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2361% | 2,074 |
| Cost of funding earning assets | 0.7980% | 5,161 |
| Net interest margin | 4.4381% | 1,297 |
| Noninterest income to average assets | 0.8188% | 1,965 |
| Noninterest expense to average assets | 3.4983% | 1,942 |
| Loan and lease loss provision to assets | 0.5357% | 1,839 |
| Net operating income to assets | 0.6049% | 4,063 |
| Return on assets (ROA) | 0.6345% | 4,129 |
| Pretax return on assets | 0.8764% | 3,858 |
| Return on Equity (ROE) | 6.6565% | 3,688 |
| Retained earnings to average equity (ytd only) | 6.0350% | 2,539 |
| Net charge-offs to loans | 0.2167% | 4,082 |
| Credit loss provision to net charge-offs | 428.2895% | 661 |
| Earnings coverage of net charge-offs (x) | 10.9606% | 1,861 |
| Efficiency ratio | 71.8438% | 3,582 |
| Assets per employee ($millions) | 2.9064% | 6,299 |
| Cash dividends to net income (ytd only)* | 9.3388% | 3,288 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5460% | 1,333 |
| Loan loss allowance to noncurrent loans | 36.8732% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 5.6863% | 970 |
| Noncurrent loans to loans | 6.9046% | 726 |
| Net loans and leases to total assets | 54.3029% | 5,127 |
| Net loans and leases to deposits | 63.0801% | 5,283 |
| Net loans and leases to core deposits | 66.9967% | 5,307 |
| Total domestic deposits to total assets | 86.0857% | 3,175 |
| Equity capital to assets | 9.7880% | 4,639 |
| Core capital (leverage) ratio | 9.5027% | 4,140 |
| Tier 1 risk-based capital ratio | 15.3205% | 3,483 |
| Total risk-based capital ratio | 16.5837% | 3,441 |
| Memoranda: |
| Average total assets | $162,016,250 | 3,637 |
| Average earning assets | $147,867,250 | 3,629 |
| Average equity | $15,443,000 | 3,836 |
| Average total loans | $93,534,750 | 3,802 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3558% | 1,705 |
| Cost of funding earning assets | 0.8198% | 5,246 |
| Net interest margin | 4.5360% | 1,040 |
| Noninterest income to average assets | 0.8135% | 1,959 |
| Noninterest expense to average assets | 3.6212% | 1,700 |
| Loan and lease loss provision to assets | 0.3734% | 2,559 |
| Net operating income to assets | 0.6911% | 3,585 |
| Return on assets (ROA) | 0.6911% | 3,703 |
| Pretax return on assets | 0.9643% | 3,379 |
| Return on Equity (ROE) | 7.3166% | 3,290 |
| Retained earnings to average equity (ytd only) | 6.7014% | 2,020 |
| Net charge-offs to loans | 0.1799% | 4,085 |
| Credit loss provision to net charge-offs | 355.2941% | 864 |
| Earnings coverage of net charge-offs (x) | 12.7294% | 1,602 |
| Efficiency ratio | 73.0242% | 3,541 |
| Assets per employee ($millions) | 2.8450% | 6,396 |
| Cash dividends to net income (ytd only)* | 8.4079% | 3,168 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2240% | 1,874 |
| Loan loss allowance to noncurrent loans | 40.7110% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 4.8876% | 1,259 |
| Noncurrent loans to loans | 5.4629% | 1,162 |
| Net loans and leases to total assets | 54.9526% | 5,154 |
| Net loans and leases to deposits | 64.1014% | 5,258 |
| Net loans and leases to core deposits | 67.8470% | 5,306 |
| Total domestic deposits to total assets | 85.7277% | 3,481 |
| Equity capital to assets | 9.6586% | 4,590 |
| Core capital (leverage) ratio | 9.3350% | 4,197 |
| Tier 1 risk-based capital ratio | 14.9540% | 3,514 |
| Total risk-based capital ratio | 16.2132% | 3,481 |
| Memoranda: |
| Average total assets | $161,768,000 | 3,657 |
| Average earning assets | $147,839,000 | 3,656 |
| Average equity | $15,280,330 | 3,856 |
| Average total loans | $94,482,000 | 3,829 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3525% | 1,719 |
| Cost of funding earning assets | 0.8498% | 5,274 |
| Net interest margin | 4.5027% | 1,065 |
| Noninterest income to average assets | 0.8343% | 1,906 |
| Noninterest expense to average assets | 3.6220% | 1,719 |
| Loan and lease loss provision to assets | 0.4382% | 2,014 |
| Net operating income to assets | 0.6561% | 3,719 |
| Return on assets (ROA) | 0.6561% | 3,795 |
| Pretax return on assets | 0.9061% | 3,471 |
| Return on Equity (ROE) | 7.0250% | 3,365 |
| Retained earnings to average equity (ytd only) | 6.4153% | 2,413 |
| Net charge-offs to loans | 0.1414% | 3,656 |
| Credit loss provision to net charge-offs | 520.5882% | 693 |
| Earnings coverage of net charge-offs (x) | 15.9706% | 1,291 |
| Efficiency ratio | 72.9312% | 3,696 |
| Assets per employee ($millions) | 2.8874% | 6,381 |
| Cash dividends to net income (ytd only)* | 8.6792% | 2,407 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0698% | 2,248 |
| Loan loss allowance to noncurrent loans | 38.2117% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 4.3255% | 1,515 |
| Noncurrent loans to loans | 5.4166% | 1,210 |
| Net loans and leases to total assets | 57.1481% | 4,774 |
| Net loans and leases to deposits | 66.2896% | 4,933 |
| Net loans and leases to core deposits | 70.2796% | 5,013 |
| Total domestic deposits to total assets | 86.2098% | 3,392 |
| Equity capital to assets | 9.4209% | 4,539 |
| Core capital (leverage) ratio | 9.1206% | 4,417 |
| Tier 1 risk-based capital ratio | 14.4986% | 3,741 |
| Total risk-based capital ratio | 15.7564% | 3,696 |
| Memoranda: |
| Average total assets | $161,568,500 | 3,679 |
| Average earning assets | $148,268,000 | 3,674 |
| Average equity | $15,089,000 | 3,885 |
| Average total loans | $96,152,000 | 3,826 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9319% | 982 |
| Cost of funding earning assets | 1.0893% | 5,190 |
| Net interest margin | 4.8426% | 617 |
| Noninterest income to average assets | 0.8866% | 1,903 |
| Noninterest expense to average assets | 3.9017% | 1,314 |
| Loan and lease loss provision to assets | 0.5536% | 2,921 |
| Net operating income to assets | 0.6300% | 3,534 |
| Return on assets (ROA) | 0.6300% | 3,694 |
| Pretax return on assets | 0.8686% | 3,411 |
| Return on Equity (ROE) | 6.7401% | 3,244 |
| Retained earnings to average equity (ytd only) | 6.0674% | 1,778 |
| Net charge-offs to loans | 0.4637% | 3,763 |
| Credit loss provision to net charge-offs | 189.2544% | 1,707 |
| Earnings coverage of net charge-offs (x) | 4.8618% | 2,778 |
| Efficiency ratio | 73.2859% | 3,534 |
| Assets per employee ($millions) | 2.8323% | 6,471 |
| Cash dividends to net income (ytd only)* | 9.9796% | 3,759 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8480% | 2,695 |
| Loan loss allowance to noncurrent loans | 39.2284% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 3.9481% | 1,725 |
| Noncurrent loans to loans | 4.7108% | 1,475 |
| Net loans and leases to total assets | 59.5480% | 4,753 |
| Net loans and leases to deposits | 69.4484% | 4,888 |
| Net loans and leases to core deposits | 73.4687% | 5,044 |
| Total domestic deposits to total assets | 85.7442% | 3,477 |
| Equity capital to assets | 9.2571% | 4,742 |
| Core capital (leverage) ratio | 9.0254% | 4,499 |
| Tier 1 risk-based capital ratio | 13.8647% | 3,955 |
| Total risk-based capital ratio | 15.1208% | 3,937 |
| Memoranda: |
| Average total assets | $155,881,800 | 3,776 |
| Average earning assets | $142,837,800 | 3,763 |
| Average equity | $14,569,600 | 4,017 |
| Average total loans | $98,331,200 | 3,845 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9133% | 1,104 |
| Cost of funding earning assets | 1.1386% | 5,205 |
| Net interest margin | 4.7748% | 711 |
| Noninterest income to average assets | 0.8889% | 1,836 |
| Noninterest expense to average assets | 3.9104% | 1,185 |
| Loan and lease loss provision to assets | 0.4867% | 3,043 |
| Net operating income to assets | 0.6266% | 3,766 |
| Return on assets (ROA) | 0.6266% | 3,935 |
| Pretax return on assets | 0.8639% | 3,689 |
| Return on Equity (ROE) | 6.6869% | 3,489 |
| Retained earnings to average equity (ytd only) | 6.0145% | 2,345 |
| Net charge-offs to loans | 0.5716% | 3,037 |
| Credit loss provision to net charge-offs | 133.6493% | 3,021 |
| Earnings coverage of net charge-offs (x) | 3.7085% | 3,328 |
| Efficiency ratio | 74.3274% | 3,264 |
| Assets per employee ($millions) | 2.6502% | 6,849 |
| Cash dividends to net income (ytd only)* | 10.0550% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5615% | 3,695 |
| Loan loss allowance to noncurrent loans | 41.1014% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 3.5110% | 2,028 |
| Noncurrent loans to loans | 3.7992% | 2,032 |
| Net loans and leases to total assets | 60.2476% | 4,859 |
| Net loans and leases to deposits | 70.4267% | 5,084 |
| Net loans and leases to core deposits | 74.5414% | 5,226 |
| Total domestic deposits to total assets | 85.5465% | 3,320 |
| Equity capital to assets | 9.1369% | 5,397 |
| Core capital (leverage) ratio | 8.9295% | 4,804 |
| Tier 1 risk-based capital ratio | 13.6017% | 4,118 |
| Total risk-based capital ratio | 14.8540% | 4,065 |
| Memoranda: |
| Average total assets | $154,491,500 | 3,851 |
| Average earning assets | $141,462,500 | 3,845 |
| Average equity | $14,475,750 | 4,098 |
| Average total loans | $98,427,500 | 3,907 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9461% | 1,062 |
| Cost of funding earning assets | 1.1754% | 5,263 |
| Net interest margin | 4.7707% | 697 |
| Noninterest income to average assets | 0.9020% | 1,683 |
| Noninterest expense to average assets | 4.0355% | 1,003 |
| Loan and lease loss provision to assets | 0.4550% | 3,047 |
| Net operating income to assets | 0.5772% | 3,965 |
| Return on assets (ROA) | 0.5772% | 4,106 |
| Pretax return on assets | 0.7824% | 3,941 |
| Return on Equity (ROE) | 6.1068% | 3,755 |
| Retained earnings to average equity (ytd only) | 5.4530% | 2,646 |
| Net charge-offs to loans | 0.0489% | 5,700 |
| Credit loss provision to net charge-offs | 1,441.6667% | 277 |
| Earnings coverage of net charge-offs (x) | 39.2083% | 741 |
| Efficiency ratio | 76.5337% | 2,976 |
| Assets per employee ($millions) | 2.6101% | 6,934 |
| Cash dividends to net income (ytd only)* | 10.7062% | 3,147 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7289% | 2,971 |
| Loan loss allowance to noncurrent loans | 51.6158% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 2.6225% | 2,756 |
| Noncurrent loans to loans | 3.3495% | 2,386 |
| Net loans and leases to total assets | 62.6086% | 4,556 |
| Net loans and leases to deposits | 73.0000% | 4,832 |
| Net loans and leases to core deposits | 76.4928% | 5,140 |
| Total domestic deposits to total assets | 85.7651% | 3,224 |
| Equity capital to assets | 9.3495% | 4,931 |
| Core capital (leverage) ratio | 9.0938% | 4,470 |
| Tier 1 risk-based capital ratio | 13.5354% | 4,045 |
| Total risk-based capital ratio | 14.7902% | 4,006 |
| Memoranda: |
| Average total assets | $152,101,000 | 3,917 |
| Average earning assets | $139,351,670 | 3,915 |
| Average equity | $14,377,330 | 4,120 |
| Average total loans | $98,255,670 | 3,954 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0417% | 900 |
| Cost of funding earning assets | 1.2258% | 5,251 |
| Net interest margin | 4.8158% | 624 |
| Noninterest income to average assets | 0.9289% | 1,516 |
| Noninterest expense to average assets | 4.0521% | 955 |
| Loan and lease loss provision to assets | 0.3230% | 3,478 |
| Net operating income to assets | 0.6887% | 3,487 |
| Return on assets (ROA) | 0.6887% | 3,606 |
| Pretax return on assets | 0.9583% | 3,241 |
| Return on Equity (ROE) | 7.2446% | 3,223 |
| Retained earnings to average equity (ytd only) | 6.5707% | 2,334 |
| Net charge-offs to loans | 0.0492% | 4,912 |
| Credit loss provision to net charge-offs | 1,008.3333% | 454 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 685 |
| Efficiency ratio | 75.9760% | 3,221 |
| Assets per employee ($millions) | 2.5238% | 7,166 |
| Cash dividends to net income (ytd only)* | 9.3023% | 2,419 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5411% | 3,695 |
| Loan loss allowance to noncurrent loans | 53.9422% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 2.3563% | 3,082 |
| Noncurrent loans to loans | 2.8569% | 2,816 |
| Net loans and leases to total assets | 63.7935% | 4,375 |
| Net loans and leases to deposits | 74.0326% | 4,733 |
| Net loans and leases to core deposits | 77.8361% | 5,042 |
| Total domestic deposits to total assets | 86.1695% | 3,050 |
| Equity capital to assets | 9.4924% | 4,545 |
| Core capital (leverage) ratio | 9.2938% | 4,071 |
| Tier 1 risk-based capital ratio | 13.5913% | 3,932 |
| Total risk-based capital ratio | 14.8441% | 3,895 |
| Memoranda: |
| Average total assets | $149,847,500 | 4,009 |
| Average earning assets | $137,048,000 | 4,014 |
| Average equity | $14,245,000 | 4,183 |
| Average total loans | $97,496,000 | 4,036 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5256% | 637 |
| Cost of funding earning assets | 1.5228% | 5,418 |
| Net interest margin | 5.0028% | 448 |
| Noninterest income to average assets | 0.9675% | 1,672 |
| Noninterest expense to average assets | 4.3129% | 973 |
| Loan and lease loss provision to assets | 0.3580% | 4,654 |
| Net operating income to assets | 0.6225% | 3,242 |
| Return on assets (ROA) | 0.6225% | 3,307 |
| Pretax return on assets | 0.8671% | 3,026 |
| Return on Equity (ROE) | 6.6655% | 2,920 |
| Retained earnings to average equity (ytd only) | 4.4120% | 2,159 |
| Net charge-offs to loans | 0.1457% | 5,782 |
| Credit loss provision to net charge-offs | 366.4336% | 876 |
| Earnings coverage of net charge-offs (x) | 12.5385% | 1,500 |
| Efficiency ratio | 77.8779% | 3,213 |
| Assets per employee ($millions) | 2.5130% | 7,186 |
| Cash dividends to net income (ytd only)* | 33.8090% | 3,175 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4482% | 3,986 |
| Loan loss allowance to noncurrent loans | 111.7928% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 1.6868% | 3,836 |
| Noncurrent loans to loans | 1.2954% | 4,764 |
| Net loans and leases to total assets | 64.3944% | 4,516 |
| Net loans and leases to deposits | 76.2249% | 4,702 |
| Net loans and leases to core deposits | 89.2867% | 5,196 |
| Total domestic deposits to total assets | 84.4796% | 3,803 |
| Equity capital to assets | 9.5205% | 4,390 |
| Core capital (leverage) ratio | 9.2393% | 4,070 |
| Tier 1 risk-based capital ratio | 13.3124% | 3,938 |
| Total risk-based capital ratio | 14.5636% | 3,882 |
| Memoranda: |
| Average total assets | $146,352,200 | 4,010 |
| Average earning assets | $133,705,200 | 4,017 |
| Average equity | $13,667,400 | 4,345 |
| Average total loans | $98,180,000 | 3,999 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5476% | 679 |
| Cost of funding earning assets | 1.5724% | 5,527 |
| Net interest margin | 4.9752% | 469 |
| Noninterest income to average assets | 0.9798% | 1,672 |
| Noninterest expense to average assets | 4.3662% | 843 |
| Loan and lease loss provision to assets | 0.4168% | 3,824 |
| Net operating income to assets | 0.5502% | 3,792 |
| Return on assets (ROA) | 0.5502% | 3,877 |
| Pretax return on assets | 0.7431% | 3,718 |
| Return on Equity (ROE) | 5.9213% | 3,556 |
| Retained earnings to average equity (ytd only) | 3.1181% | 3,574 |
| Net charge-offs to loans | 0.0541% | 6,170 |
| Credit loss provision to net charge-offs | 1,140.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 31.7262% | 897 |
| Efficiency ratio | 79.0109% | 2,995 |
| Assets per employee ($millions) | 2.4473% | 7,309 |
| Cash dividends to net income (ytd only)* | 47.3419% | 2,131 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4831% | 3,529 |
| Loan loss allowance to noncurrent loans | 81.7975% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 1.8708% | 3,553 |
| Noncurrent loans to loans | 1.8131% | 3,897 |
| Net loans and leases to total assets | 65.0540% | 4,637 |
| Net loans and leases to deposits | 75.5897% | 5,112 |
| Net loans and leases to core deposits | 88.9156% | 5,539 |
| Total domestic deposits to total assets | 86.0619% | 2,675 |
| Equity capital to assets | 9.4242% | 4,853 |
| Core capital (leverage) ratio | 9.1077% | 4,480 |
| Tier 1 risk-based capital ratio | 13.0414% | 4,162 |
| Total risk-based capital ratio | 14.2932% | 4,099 |
| Memoranda: |
| Average total assets | $145,873,000 | 4,041 |
| Average earning assets | $133,297,000 | 4,049 |
| Average equity | $13,555,250 | 4,403 |
| Average total loans | $98,505,000 | 4,029 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5829% | 682 |
| Cost of funding earning assets | 1.6254% | 5,638 |
| Net interest margin | 4.9575% | 476 |
| Noninterest income to average assets | 0.9797% | 1,661 |
| Noninterest expense to average assets | 4.4685% | 798 |
| Loan and lease loss provision to assets | 0.1360% | 5,717 |
| Net operating income to assets | 0.6389% | 3,511 |
| Return on assets (ROA) | 0.6389% | 3,615 |
| Pretax return on assets | 0.9014% | 3,331 |
| Return on Equity (ROE) | 6.9088% | 3,245 |
| Retained earnings to average equity (ytd only) | 3.0756% | 3,605 |
| Net charge-offs to loans | 0.0364% | 5,946 |
| Credit loss provision to net charge-offs | 550.0000% | 843 |
| Earnings coverage of net charge-offs (x) | 41.9444% | 787 |
| Efficiency ratio | 81.1580% | 2,859 |
| Assets per employee ($millions) | 2.3254% | 7,515 |
| Cash dividends to net income (ytd only)* | 55.4839% | 1,842 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1076% | 5,546 |
| Loan loss allowance to noncurrent loans | 44.0847% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 1.9735% | 3,231 |
| Noncurrent loans to loans | 2.5125% | 2,878 |
| Net loans and leases to total assets | 66.1708% | 4,535 |
| Net loans and leases to deposits | 77.3165% | 4,971 |
| Net loans and leases to core deposits | 92.5745% | 5,284 |
| Total domestic deposits to total assets | 85.5843% | 2,970 |
| Equity capital to assets | 9.1121% | 5,151 |
| Core capital (leverage) ratio | 8.9812% | 4,665 |
| Tier 1 risk-based capital ratio | 12.6059% | 4,437 |
| Total risk-based capital ratio | 13.6523% | 4,525 |
| Memoranda: |
| Average total assets | $145,552,330 | 4,074 |
| Average earning assets | $132,890,670 | 4,084 |
| Average equity | $13,461,000 | 4,431 |
| Average total loans | $99,020,000 | 4,038 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5871% | 727 |
| Cost of funding earning assets | 1.6779% | 5,705 |
| Net interest margin | 4.9091% | 493 |
| Noninterest income to average assets | 0.9394% | 1,696 |
| Noninterest expense to average assets | 4.4554% | 744 |
| Loan and lease loss provision to assets | 0.1390% | 5,177 |
| Net operating income to assets | 0.5976% | 4,022 |
| Return on assets (ROA) | 0.5976% | 4,219 |
| Pretax return on assets | 0.8338% | 3,958 |
| Return on Equity (ROE) | 6.4126% | 3,853 |
| Retained earnings to average equity (ytd only) | -0.3281% | 5,722 |
| Net charge-offs to loans | 0.0162% | 5,352 |
| Credit loss provision to net charge-offs | 1,250.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 87.5000% | 489 |
| Efficiency ratio | 82.0789% | 2,521 |
| Assets per employee ($millions) | 2.3374% | 7,547 |
| Cash dividends to net income (ytd only)* | 105.1163% | 708 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0897% | 5,546 |
| Loan loss allowance to noncurrent loans | 38.0477% | 6,009 |
| Noncurrent assets plus other real estate owned to assets | 1.9789% | 2,938 |
| Noncurrent loans to loans | 2.8639% | 2,284 |
| Net loans and leases to total assets | 65.8343% | 4,622 |
| Net loans and leases to deposits | 76.9209% | 5,097 |
| Net loans and leases to core deposits | 92.0830% | 5,338 |
| Total domestic deposits to total assets | 85.5870% | 2,930 |
| Equity capital to assets | 9.1154% | 5,207 |
| Core capital (leverage) ratio | 9.0394% | 4,642 |
| Tier 1 risk-based capital ratio | 12.6859% | 4,404 |
| Total risk-based capital ratio | 13.7225% | 4,485 |
| Memoranda: |
| Average total assets | $143,916,500 | 4,113 |
| Average earning assets | $131,591,500 | 4,117 |
| Average equity | $13,411,000 | 4,474 |
| Average total loans | $98,739,500 | 4,074 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2096% | 725 |
| Cost of funding earning assets | 2.1276% | 5,937 |
| Net interest margin | 5.0820% | 423 |
| Noninterest income to average assets | 1.0353% | 1,468 |
| Noninterest expense to average assets | 4.3882% | 967 |
| Loan and lease loss provision to assets | 0.1218% | 5,799 |
| Net operating income to assets | 0.7881% | 3,490 |
| Return on assets (ROA) | 0.7881% | 3,328 |
| Pretax return on assets | 1.1420% | 2,867 |
| Return on Equity (ROE) | 9.0200% | 2,637 |
| Retained earnings to average equity (ytd only) | 7.5075% | 983 |
| Net charge-offs to loans | 0.1743% | 4,454 |
| Credit loss provision to net charge-offs | 98.8827% | 5,421 |
| Earnings coverage of net charge-offs (x) | 10.2570% | 2,548 |
| Efficiency ratio | 77.6398% | 2,973 |
| Assets per employee ($millions) | 2.1627% | 7,758 |
| Cash dividends to net income (ytd only)* | 16.7686% | 4,534 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0275% | 5,795 |
| Loan loss allowance to noncurrent loans | 46.1400% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 1.6518% | 2,935 |
| Noncurrent loans to loans | 2.2269% | 2,470 |
| Net loans and leases to total assets | 70.0285% | 4,009 |
| Net loans and leases to deposits | 82.7713% | 4,611 |
| Net loans and leases to core deposits | 96.2006% | 5,241 |
| Total domestic deposits to total assets | 84.6049% | 3,024 |
| Equity capital to assets | 9.5314% | 4,637 |
| Core capital (leverage) ratio | 9.2727% | 4,339 |
| Tier 1 risk-based capital ratio | 12.6724% | 4,308 |
| Total risk-based capital ratio | 13.6625% | 4,397 |
| Memoranda: |
| Average total assets | $145,277,000 | 3,985 |
| Average earning assets | $131,976,800 | 4,011 |
| Average equity | $12,694,000 | 4,647 |
| Average total loans | $102,685,000 | 3,879 |
