| 2025-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0091% | 336 |
| Cost of funding earning assets | 2.3351% | 1,158 |
| Net interest margin | 4.6740% | 480 |
| Noninterest income to average assets | 2.3600% | 227 |
| Noninterest expense to average assets | 4.2552% | 331 |
| Loan and lease loss provision to assets | 0.1900% | 635 |
| Net operating income to assets | 2.1025% | 386 |
| Return on assets (ROA) | 2.0945% | 401 |
| Pretax return on assets | 2.4634% | 332 |
| Return on Equity (ROE) | 13.7900% | 1,313 |
| Retained earnings to average equity (ytd only) | -5.8033% | 4,120 |
| Net charge-offs to loans | -1.7925% | 4,487 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 61.5321% | 2,767 |
| Assets per employee ($millions) | 9.9270% | 820 |
| Cash dividends to net income (ytd only)* | 142.0958% | 287 |
| Condition Ratios (%) |
| Loss allowance to loans | 9.1623% | 54 |
| Loan loss allowance to noncurrent loans | 311.7153% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 1.7432% | 307 |
| Noncurrent loans to loans | 2.9393% | 231 |
| Net loans and leases to total assets | 53.8700% | 3,354 |
| Net loans and leases to deposits | 64.7356% | 3,222 |
| Net loans and leases to core deposits | 82.7470% | 2,534 |
| Total domestic deposits to total assets | 83.2200% | 3,083 |
| Equity capital to assets | 14.6143% | 612 |
| Core capital (leverage) ratio | 15.0331% | 598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0293% | 409 |
| Memoranda: |
| Average total assets | $211,412,000 | 2,943 |
| Average earning assets | $206,246,500 | 2,873 |
| Average equity | $32,119,500 | 2,345 |
| Average total loans | $132,998,500 | 2,914 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3,052.0000% | 41 |
| Cost of funding earning assets | 396.0000% | 12 |
| Net interest margin | 0.0000% | 4,448 |
| Noninterest income to average assets | 0.0000% | 4,443 |
| Noninterest expense to average assets | 0.0000% | 4,477 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | NA | NA |
| Return on assets (ROA) | 2.0721% | 355 |
| Pretax return on assets | 2.4829% | 302 |
| Return on Equity (ROE) | 13.0600% | 1,344 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,901 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 4.0000% | 2,527 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,764 |
| Efficiency ratio | 0.0000% | 4,474 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.2862% | 3,359 |
| Condition Ratios (%) |
| Loss allowance to loans | 1,294.0000% | 20 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | NA | NA |
| Net loans and leases to deposits | 0.0000% | 4,387 |
| Net loans and leases to core deposits | 0.0108% | 4,370 |
| Total domestic deposits to total assets | 0.1931% | 4,429 |
| Equity capital to assets | 41,755.0000% | 32 |
| Core capital (leverage) ratio | 0.0000% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $412,000 | 4,497 |
| Average earning assets | $4,364 | 4,478 |
| Average equity | $0 | 4,450 |
| Average total loans | NA | NA |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1986% | 317 |
| Cost of funding earning assets | 2.4989% | 1,172 |
| Net interest margin | 4.6997% | 491 |
| Noninterest income to average assets | 1.7600% | 287 |
| Noninterest expense to average assets | 3.5982% | 515 |
| Loan and lease loss provision to assets | 0.2100% | 556 |
| Net operating income to assets | 2.0917% | 371 |
| Return on assets (ROA) | 2.0894% | 375 |
| Pretax return on assets | 2.5193% | 317 |
| Return on Equity (ROE) | 13.1600% | 1,325 |
| Retained earnings to average equity (ytd only) | 3.0898% | 3,143 |
| Net charge-offs to loans | -0.5561% | 4,532 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 56.8837% | 3,470 |
| Assets per employee ($millions) | 8.0902% | 1,460 |
| Cash dividends to net income (ytd only)* | 76.5134% | 549 |
| Condition Ratios (%) |
| Loss allowance to loans | 7.6919% | 60 |
| Loan loss allowance to noncurrent loans | 308.0377% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 1.8582% | 229 |
| Noncurrent loans to loans | 2.4971% | 280 |
| Net loans and leases to total assets | 68.6900% | 1,992 |
| Net loans and leases to deposits | 84.9820% | 1,736 |
| Net loans and leases to core deposits | 106.4845% | 1,112 |
| Total domestic deposits to total assets | 80.8300% | 3,340 |
| Equity capital to assets | 16.2126% | 483 |
| Core capital (leverage) ratio | 15.7219% | 533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3969% | 510 |
| Memoranda: |
| Average total assets | $192,909,000 | 3,040 |
| Average earning assets | $187,438,750 | 2,975 |
| Average equity | $30,637,250 | 2,351 |
| Average total loans | $140,013,750 | 2,812 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8754% | 420 |
| Cost of funding earning assets | 2.4216% | 1,222 |
| Net interest margin | 4.4538% | 663 |
| Noninterest income to average assets | 1.5800% | 338 |
| Noninterest expense to average assets | 3.3082% | 715 |
| Loan and lease loss provision to assets | 0.2100% | 514 |
| Net operating income to assets | 1.9321% | 489 |
| Return on assets (ROA) | 1.9211% | 500 |
| Pretax return on assets | 2.3804% | 385 |
| Return on Equity (ROE) | 12.1800% | 1,568 |
| Retained earnings to average equity (ytd only) | 0.9685% | 3,612 |
| Net charge-offs to loans | -0.4533% | 4,551 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 55.9972% | 3,575 |
| Assets per employee ($millions) | 6.9069% | 2,136 |
| Cash dividends to net income (ytd only)* | 92.0498% | 464 |
| Condition Ratios (%) |
| Loss allowance to loans | 7.9303% | 59 |
| Loan loss allowance to noncurrent loans | 332.4567% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 1.6712% | 268 |
| Noncurrent loans to loans | 2.3854% | 280 |
| Net loans and leases to total assets | 64.5100% | 2,503 |
| Net loans and leases to deposits | 78.8133% | 2,301 |
| Net loans and leases to core deposits | 92.6805% | 1,949 |
| Total domestic deposits to total assets | 81.8500% | 3,120 |
| Equity capital to assets | 15.8988% | 488 |
| Core capital (leverage) ratio | 16.2140% | 467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9091% | 475 |
| Memoranda: |
| Average total assets | $192,490,667 | 3,045 |
| Average earning assets | $186,986,000 | 2,978 |
| Average equity | $30,356,667 | 2,333 |
| Average total loans | $138,532,667 | 2,821 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5193% | 554 |
| Cost of funding earning assets | 2.3032% | 1,332 |
| Net interest margin | 4.2161% | 832 |
| Noninterest income to average assets | 1.2000% | 433 |
| Noninterest expense to average assets | 2.8994% | 1,230 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 1.6414% | 728 |
| Return on assets (ROA) | 1.6497% | 728 |
| Pretax return on assets | 2.1954% | 477 |
| Return on Equity (ROE) | 10.5000% | 1,979 |
| Retained earnings to average equity (ytd only) | -12.0684% | 4,349 |
| Net charge-offs to loans | -0.7883% | 4,583 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 54.8031% | 3,698 |
| Assets per employee ($millions) | 6.8866% | 2,151 |
| Cash dividends to net income (ytd only)* | 214.8990% | 150 |
| Condition Ratios (%) |
| Loss allowance to loans | 7.8013% | 22 |
| Loan loss allowance to noncurrent loans | 484.1625% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 1.1363% | 480 |
| Noncurrent loans to loans | 1.6113% | 476 |
| Net loans and leases to total assets | 65.0200% | 2,367 |
| Net loans and leases to deposits | 78.4877% | 2,191 |
| Net loans and leases to core deposits | 90.9645% | 1,975 |
| Total domestic deposits to total assets | 82.8400% | 3,013 |
| Equity capital to assets | 15.4005% | 511 |
| Core capital (leverage) ratio | 15.8651% | 498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1307% | 536 |
| Memoranda: |
| Average total assets | $192,040,000 | 3,053 |
| Average earning assets | $186,524,500 | 2,987 |
| Average equity | $30,161,500 | 2,347 |
| Average total loans | $140,052,500 | 2,805 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.5880% | 149 |
| Cost of funding earning assets | 1.5337% | 1,855 |
| Net interest margin | 6.0543% | 105 |
| Noninterest income to average assets | 1.6500% | 340 |
| Noninterest expense to average assets | 3.9500% | 384 |
| Loan and lease loss provision to assets | 1.0300% | 66 |
| Net operating income to assets | 2.1823% | 350 |
| Return on assets (ROA) | 2.2084% | 325 |
| Pretax return on assets | 2.5847% | 308 |
| Return on Equity (ROE) | 14.2100% | 1,441 |
| Retained earnings to average equity (ytd only) | 5.2033% | 2,530 |
| Net charge-offs to loans | 0.1758% | 607 |
| Credit loss provision to net charge-offs | 784.6774% | 486 |
| Earnings coverage of net charge-offs (x) | 27.3306% | 1,687 |
| Efficiency ratio | 52.4384% | 3,793 |
| Assets per employee ($millions) | 6.8305% | 2,185 |
| Cash dividends to net income (ytd only)* | 63.3796% | 1,068 |
| Condition Ratios (%) |
| Loss allowance to loans | 7.1000% | 23 |
| Loan loss allowance to noncurrent loans | 1,752.2260% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 1,732 |
| Noncurrent loans to loans | 0.4052% | 1,772 |
| Net loans and leases to total assets | 70.0100% | 1,807 |
| Net loans and leases to deposits | 84.5509% | 1,733 |
| Net loans and leases to core deposits | 102.8941% | 1,285 |
| Total domestic deposits to total assets | 82.8000% | 2,940 |
| Equity capital to assets | 16.0137% | 459 |
| Core capital (leverage) ratio | 15.9716% | 490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8333% | 551 |
| Memoranda: |
| Average total assets | $189,188,200 | 3,059 |
| Average earning assets | $183,738,600 | 2,978 |
| Average equity | $29,404,200 | 2,296 |
| Average total loans | $141,089,200 | 2,755 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3833% | 159 |
| Cost of funding earning assets | 1.3604% | 1,976 |
| Net interest margin | 6.0229% | 107 |
| Noninterest income to average assets | 1.8300% | 315 |
| Noninterest expense to average assets | 3.8316% | 406 |
| Loan and lease loss provision to assets | 1.0900% | 54 |
| Net operating income to assets | 2.4115% | 291 |
| Return on assets (ROA) | 2.4324% | 279 |
| Pretax return on assets | 2.7822% | 286 |
| Return on Equity (ROE) | 15.7700% | 1,297 |
| Retained earnings to average equity (ytd only) | 3.6381% | 3,346 |
| Net charge-offs to loans | -0.3762% | 4,607 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.8712% | 3,922 |
| Assets per employee ($millions) | 6.9632% | 1,979 |
| Cash dividends to net income (ytd only)* | 76.9320% | 512 |
| Condition Ratios (%) |
| Loss allowance to loans | 7.3556% | 21 |
| Loan loss allowance to noncurrent loans | 425.2435% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 1.2638% | 338 |
| Noncurrent loans to loans | 1.7297% | 386 |
| Net loans and leases to total assets | 67.6900% | 2,081 |
| Net loans and leases to deposits | 82.3080% | 1,884 |
| Net loans and leases to core deposits | 99.3279% | 1,352 |
| Total domestic deposits to total assets | 82.2400% | 3,170 |
| Equity capital to assets | 15.2613% | 507 |
| Core capital (leverage) ratio | 16.0248% | 490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2761% | 906 |
| Memoranda: |
| Average total assets | $188,671,500 | 3,072 |
| Average earning assets | $183,274,250 | 2,998 |
| Average equity | $29,098,500 | 2,292 |
| Average total loans | $140,329,750 | 2,772 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8107% | 198 |
| Cost of funding earning assets | 1.1590% | 2,110 |
| Net interest margin | 5.6517% | 147 |
| Noninterest income to average assets | 1.9300% | 251 |
| Noninterest expense to average assets | 4.1496% | 314 |
| Loan and lease loss provision to assets | 0.4800% | 158 |
| Net operating income to assets | 2.4366% | 261 |
| Return on assets (ROA) | 2.4580% | 251 |
| Pretax return on assets | 2.8118% | 244 |
| Return on Equity (ROE) | 15.8800% | 1,287 |
| Retained earnings to average equity (ytd only) | 2.8047% | 3,537 |
| Net charge-offs to loans | -0.3882% | 4,626 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.9474% | 3,425 |
| Assets per employee ($millions) | 6.1896% | 2,554 |
| Cash dividends to net income (ytd only)* | 82.3375% | 513 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.2852% | 29 |
| Loan loss allowance to noncurrent loans | 427.6340% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 1.2056% | 337 |
| Noncurrent loans to loans | 1.4698% | 458 |
| Net loans and leases to total assets | 76.8700% | 960 |
| Net loans and leases to deposits | 94.1554% | 849 |
| Net loans and leases to core deposits | 115.7075% | 633 |
| Total domestic deposits to total assets | 81.6400% | 3,306 |
| Equity capital to assets | 16.3294% | 418 |
| Core capital (leverage) ratio | 16.3579% | 441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8863% | 645 |
| Memoranda: |
| Average total assets | $186,572,000 | 3,093 |
| Average earning assets | $181,185,333 | 3,023 |
| Average equity | $28,879,667 | 2,316 |
| Average total loans | $139,623,333 | 2,774 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7453% | 145 |
| Cost of funding earning assets | 1.0401% | 1,916 |
| Net interest margin | 5.7052% | 119 |
| Noninterest income to average assets | 1.7100% | 287 |
| Noninterest expense to average assets | 4.0737% | 342 |
| Loan and lease loss provision to assets | 0.4200% | 191 |
| Net operating income to assets | 2.4117% | 273 |
| Return on assets (ROA) | 2.4358% | 262 |
| Pretax return on assets | 2.7832% | 254 |
| Return on Equity (ROE) | 16.2100% | 1,312 |
| Retained earnings to average equity (ytd only) | -10.2397% | 4,481 |
| Net charge-offs to loans | -0.9689% | 4,678 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.2010% | 3,389 |
| Assets per employee ($millions) | 6.6316% | 2,244 |
| Cash dividends to net income (ytd only)* | 163.1806% | 211 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.7976% | 18 |
| Loan loss allowance to noncurrent loans | 1,780.5501% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.2647% | 1,818 |
| Noncurrent loans to loans | 0.3818% | 1,786 |
| Net loans and leases to total assets | 64.6100% | 2,191 |
| Net loans and leases to deposits | 76.8731% | 2,049 |
| Net loans and leases to core deposits | 95.1369% | 1,325 |
| Total domestic deposits to total assets | 84.0500% | 3,083 |
| Equity capital to assets | 14.6723% | 510 |
| Core capital (leverage) ratio | 14.8597% | 599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9317% | 749 |
| Memoranda: |
| Average total assets | $190,000,500 | 3,104 |
| Average earning assets | $184,603,000 | 3,033 |
| Average equity | $28,555,500 | 2,356 |
| Average total loans | $135,818,000 | 2,842 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6000% | 137 |
| Cost of funding earning assets | 0.4310% | 1,857 |
| Net interest margin | 5.1690% | 121 |
| Noninterest income to average assets | 3.4100% | 161 |
| Noninterest expense to average assets | 3.0933% | 843 |
| Loan and lease loss provision to assets | 2.0400% | 21 |
| Net operating income to assets | 2.8061% | 119 |
| Return on assets (ROA) | 2.6829% | 128 |
| Pretax return on assets | 3.1563% | 119 |
| Return on Equity (ROE) | 18.2700% | 662 |
| Retained earnings to average equity (ytd only) | 10.1836% | 1,101 |
| Net charge-offs to loans | 1.7587% | 38 |
| Credit loss provision to net charge-offs | 169.1130% | 1,220 |
| Earnings coverage of net charge-offs (x) | 4.4291% | 2,420 |
| Efficiency ratio | 36.6785% | 4,598 |
| Assets per employee ($millions) | 6.4719% | 2,358 |
| Cash dividends to net income (ytd only)* | 44.2736% | 1,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.1709% | 23 |
| Loan loss allowance to noncurrent loans | 9,379.1209% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0485% | 3,322 |
| Noncurrent loans to loans | 0.0658% | 3,272 |
| Net loans and leases to total assets | 69.1400% | 1,716 |
| Net loans and leases to deposits | 81.9085% | 1,620 |
| Net loans and leases to core deposits | 90.0434% | 1,502 |
| Total domestic deposits to total assets | 84.4200% | 3,121 |
| Equity capital to assets | 15.3949% | 440 |
| Core capital (leverage) ratio | 15.9567% | 456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5326% | 579 |
| Memoranda: |
| Average total assets | $184,204,600 | 3,152 |
| Average earning assets | $178,893,000 | 3,070 |
| Average equity | $27,043,400 | 2,478 |
| Average total loans | $126,289,800 | 2,865 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3390% | 135 |
| Cost of funding earning assets | 0.3931% | 1,340 |
| Net interest margin | 4.9458% | 127 |
| Noninterest income to average assets | 3.7500% | 159 |
| Noninterest expense to average assets | 4.2704% | 277 |
| Loan and lease loss provision to assets | 1.4200% | 26 |
| Net operating income to assets | 2.3754% | 172 |
| Return on assets (ROA) | 2.3621% | 172 |
| Pretax return on assets | 2.8508% | 156 |
| Return on Equity (ROE) | 16.2900% | 924 |
| Retained earnings to average equity (ytd only) | 5.3170% | 2,991 |
| Net charge-offs to loans | -0.5418% | 4,736 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 49.9277% | 4,169 |
| Assets per employee ($millions) | 6.0401% | 2,728 |
| Cash dividends to net income (ytd only)* | 67.3645% | 680 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.4815% | 21 |
| Loan loss allowance to noncurrent loans | 772.5266% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.6982% | 745 |
| Noncurrent loans to loans | 0.8390% | 933 |
| Net loans and leases to total assets | 77.8300% | 720 |
| Net loans and leases to deposits | 94.9007% | 599 |
| Net loans and leases to core deposits | 99.9934% | 813 |
| Total domestic deposits to total assets | 82.0100% | 3,840 |
| Equity capital to assets | 15.4188% | 418 |
| Core capital (leverage) ratio | 15.0113% | 551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1350% | 841 |
| Memoranda: |
| Average total assets | $183,334,250 | 3,184 |
| Average earning assets | $178,057,500 | 3,101 |
| Average equity | $26,580,750 | 2,539 |
| Average total loans | $123,284,750 | 2,897 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5017% | 377 |
| Cost of funding earning assets | 0.3916% | 971 |
| Net interest margin | 4.1101% | 385 |
| Noninterest income to average assets | 4.0761% | 115 |
| Noninterest expense to average assets | 4.9146% | 175 |
| Loan and lease loss provision to assets | 0.2128% | 376 |
| Net operating income to assets | 2.5702% | 102 |
| Return on assets (ROA) | 2.5487% | 102 |
| Pretax return on assets | 2.9174% | 109 |
| Return on Equity (ROE) | 17.9361% | 480 |
| Retained earnings to average equity (ytd only) | 7.2471% | 1,894 |
| Net charge-offs to loans | -0.3817% | 4,671 |
| Credit loss provision to net charge-offs | -89.5928% | 3,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9032% | 3,190 |
| Assets per employee ($millions) | 6.1948% | 2,570 |
| Cash dividends to net income (ytd only)* | 59.5951% | 1,077 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.3248% | 25 |
| Loan loss allowance to noncurrent loans | 740.4192% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.5578% | 1,026 |
| Noncurrent loans to loans | 0.8542% | 1,000 |
| Net loans and leases to total assets | 61.1639% | 2,205 |
| Net loans and leases to deposits | 73.7635% | 1,892 |
| Net loans and leases to core deposits | 77.1035% | 1,914 |
| Total domestic deposits to total assets | 82.9190% | 3,888 |
| Equity capital to assets | 15.1166% | 391 |
| Core capital (leverage) ratio | 15.0034% | 473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0626% | 475 |
| Memoranda: |
| Average total assets | $186,058,000 | 3,191 |
| Average earning assets | $180,775,333 | 3,128 |
| Average equity | $26,438,333 | 2,612 |
| Average total loans | $115,790,000 | 2,992 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2689% | 468 |
| Cost of funding earning assets | 0.4045% | 845 |
| Net interest margin | 3.8644% | 547 |
| Noninterest income to average assets | 3.1660% | 154 |
| Noninterest expense to average assets | 4.1931% | 242 |
| Loan and lease loss provision to assets | 0.2092% | 341 |
| Net operating income to assets | 2.1515% | 170 |
| Return on assets (ROA) | 2.1515% | 170 |
| Pretax return on assets | 2.5193% | 179 |
| Return on Equity (ROE) | 15.6141% | 570 |
| Retained earnings to average equity (ytd only) | -6.0585% | 4,460 |
| Net charge-offs to loans | -1.5334% | 4,750 |
| Credit loss provision to net charge-offs | -22.4490% | 2,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5802% | 3,425 |
| Assets per employee ($millions) | 6.3240% | 2,530 |
| Cash dividends to net income (ytd only)* | 138.8016% | 340 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.8127% | 23 |
| Loan loss allowance to noncurrent loans | 1,778.3019% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 2,262 |
| Noncurrent loans to loans | 0.3831% | 2,110 |
| Net loans and leases to total assets | 56.2371% | 2,509 |
| Net loans and leases to deposits | 66.2019% | 2,321 |
| Net loans and leases to core deposits | 70.1868% | 2,280 |
| Total domestic deposits to total assets | 84.9478% | 3,541 |
| Equity capital to assets | 14.0800% | 517 |
| Core capital (leverage) ratio | 14.0671% | 570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8172% | 580 |
| Memoranda: |
| Average total assets | $189,262,000 | 3,179 |
| Average earning assets | $183,935,000 | 3,121 |
| Average equity | $26,079,000 | 2,712 |
| Average total loans | $115,035,000 | 2,999 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3241% | 163 |
| Cost of funding earning assets | 0.5301% | 792 |
| Net interest margin | 4.7940% | 177 |
| Noninterest income to average assets | 2.9898% | 183 |
| Noninterest expense to average assets | 3.5719% | 441 |
| Loan and lease loss provision to assets | 1.0615% | 29 |
| Net operating income to assets | 2.6437% | 138 |
| Return on assets (ROA) | 2.6437% | 142 |
| Pretax return on assets | 3.0097% | 148 |
| Return on Equity (ROE) | 18.6745% | 401 |
| Retained earnings to average equity (ytd only) | 7.2734% | 1,817 |
| Net charge-offs to loans | 0.7837% | 87 |
| Credit loss provision to net charge-offs | 213.8286% | 1,276 |
| Earnings coverage of net charge-offs (x) | 8.2011% | 2,312 |
| Efficiency ratio | 46.7340% | 4,469 |
| Assets per employee ($millions) | 6.7286% | 2,129 |
| Cash dividends to net income (ytd only)* | 61.0515% | 1,050 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.8629% | 28 |
| Loan loss allowance to noncurrent loans | 1,846.9657% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.1942% | 2,590 |
| Noncurrent loans to loans | 0.3174% | 2,453 |
| Net loans and leases to total assets | 57.5998% | 2,414 |
| Net loans and leases to deposits | 66.6837% | 2,442 |
| Net loans and leases to core deposits | 70.4351% | 2,405 |
| Total domestic deposits to total assets | 86.3777% | 2,768 |
| Equity capital to assets | 13.4967% | 766 |
| Core capital (leverage) ratio | 14.1342% | 600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4742% | 604 |
| Memoranda: |
| Average total assets | $176,265,600 | 3,240 |
| Average earning assets | $171,089,400 | 3,174 |
| Average equity | $24,953,800 | 2,853 |
| Average total loans | $111,647,800 | 3,052 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8981% | 353 |
| Cost of funding earning assets | 0.5568% | 799 |
| Net interest margin | 4.3413% | 414 |
| Noninterest income to average assets | 2.8337% | 213 |
| Noninterest expense to average assets | 3.6941% | 379 |
| Loan and lease loss provision to assets | 0.4448% | 137 |
| Net operating income to assets | 2.9037% | 139 |
| Return on assets (ROA) | 2.9037% | 136 |
| Pretax return on assets | 2.9068% | 198 |
| Return on Equity (ROE) | 20.2420% | 413 |
| Retained earnings to average equity (ytd only) | 4.8275% | 3,282 |
| Net charge-offs to loans | -0.7936% | 4,861 |
| Credit loss provision to net charge-offs | -87.5957% | 3,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4324% | 3,992 |
| Assets per employee ($millions) | 5.8291% | 2,855 |
| Cash dividends to net income (ytd only)* | 76.1510% | 453 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.3461% | 23 |
| Loan loss allowance to noncurrent loans | 1,907.3879% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.2242% | 2,664 |
| Noncurrent loans to loans | 0.3327% | 2,589 |
| Net loans and leases to total assets | 63.1102% | 1,876 |
| Net loans and leases to deposits | 76.0052% | 1,672 |
| Net loans and leases to core deposits | 80.7441% | 1,674 |
| Total domestic deposits to total assets | 83.0340% | 3,697 |
| Equity capital to assets | 15.0517% | 534 |
| Core capital (leverage) ratio | 14.9489% | 499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7602% | 499 |
| Memoranda: |
| Average total assets | $171,549,750 | 3,315 |
| Average earning assets | $166,427,250 | 3,252 |
| Average equity | $24,608,250 | 2,907 |
| Average total loans | $109,711,250 | 3,120 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5808% | 646 |
| Cost of funding earning assets | 0.5690% | 870 |
| Net interest margin | 4.0118% | 800 |
| Noninterest income to average assets | 2.6638% | 223 |
| Noninterest expense to average assets | 3.6024% | 406 |
| Loan and lease loss provision to assets | 0.5488% | 90 |
| Net operating income to assets | 2.4016% | 246 |
| Return on assets (ROA) | 2.4016% | 265 |
| Pretax return on assets | 2.4062% | 410 |
| Return on Equity (ROE) | 17.0163% | 780 |
| Retained earnings to average equity (ytd only) | 0.9865% | 4,343 |
| Net charge-offs to loans | -1.0544% | 4,898 |
| Credit loss provision to net charge-offs | -82.8371% | 3,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9363% | 3,685 |
| Assets per employee ($millions) | 5.7278% | 2,867 |
| Cash dividends to net income (ytd only)* | 94.2029% | 323 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.5437% | 24 |
| Loan loss allowance to noncurrent loans | 640.7273% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.6622% | 1,258 |
| Noncurrent loans to loans | 1.0213% | 1,203 |
| Net loans and leases to total assets | 60.5989% | 2,349 |
| Net loans and leases to deposits | 72.3104% | 2,177 |
| Net loans and leases to core deposits | 75.7934% | 2,260 |
| Total domestic deposits to total assets | 83.8038% | 3,490 |
| Equity capital to assets | 14.8633% | 552 |
| Core capital (leverage) ratio | 14.5717% | 524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0310% | 541 |
| Memoranda: |
| Average total assets | $172,385,000 | 3,313 |
| Average earning assets | $167,305,333 | 3,248 |
| Average equity | $24,329,667 | 2,917 |
| Average total loans | $108,310,667 | 3,148 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7153% | 556 |
| Cost of funding earning assets | 0.5818% | 953 |
| Net interest margin | 4.1335% | 688 |
| Noninterest income to average assets | 2.6298% | 250 |
| Noninterest expense to average assets | 3.4161% | 520 |
| Loan and lease loss provision to assets | 0.8523% | 51 |
| Net operating income to assets | 2.3678% | 332 |
| Return on assets (ROA) | 2.3678% | 355 |
| Pretax return on assets | 2.3769% | 538 |
| Return on Equity (ROE) | 17.2091% | 816 |
| Retained earnings to average equity (ytd only) | -15.0890% | 4,882 |
| Net charge-offs to loans | -1.2006% | 4,917 |
| Credit loss provision to net charge-offs | -114.7239% | 2,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4060% | 4,052 |
| Assets per employee ($millions) | 5.9876% | 2,611 |
| Cash dividends to net income (ytd only)* | 187.6805% | 131 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.1554% | 27 |
| Loan loss allowance to noncurrent loans | 514.5050% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.7504% | 1,218 |
| Noncurrent loans to loans | 1.1964% | 1,101 |
| Net loans and leases to total assets | 58.8623% | 2,697 |
| Net loans and leases to deposits | 68.7239% | 2,625 |
| Net loans and leases to core deposits | 71.3790% | 2,756 |
| Total domestic deposits to total assets | 85.6503% | 2,871 |
| Equity capital to assets | 13.6379% | 758 |
| Core capital (leverage) ratio | 13.8530% | 678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5098% | 553 |
| Memoranda: |
| Average total assets | $175,524,000 | 3,280 |
| Average earning assets | $170,510,500 | 3,208 |
| Average equity | $24,150,000 | 2,917 |
| Average total loans | $108,612,500 | 3,149 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7258% | 846 |
| Cost of funding earning assets | 0.7443% | 1,487 |
| Net interest margin | 3.9814% | 1,011 |
| Noninterest income to average assets | 1.8698% | 367 |
| Noninterest expense to average assets | 3.1159% | 1,199 |
| Loan and lease loss provision to assets | 0.4659% | 584 |
| Net operating income to assets | 2.1483% | 200 |
| Return on assets (ROA) | 2.1483% | 211 |
| Pretax return on assets | 2.1508% | 329 |
| Return on Equity (ROE) | 15.1322% | 623 |
| Retained earnings to average equity (ytd only) | 3.2137% | 3,217 |
| Net charge-offs to loans | -0.1969% | 4,894 |
| Credit loss provision to net charge-offs | -367.1429% | 3,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3538% | 4,175 |
| Assets per employee ($millions) | 6.1175% | 2,241 |
| Cash dividends to net income (ytd only)* | 78.7623% | 677 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.5432% | 33 |
| Loan loss allowance to noncurrent loans | 3,094.8454% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 3,749 |
| Noncurrent loans to loans | 0.1791% | 3,573 |
| Net loans and leases to total assets | 57.6685% | 3,125 |
| Net loans and leases to deposits | 67.0973% | 3,174 |
| Net loans and leases to core deposits | 69.3632% | 3,297 |
| Total domestic deposits to total assets | 85.9476% | 2,386 |
| Equity capital to assets | 13.8771% | 825 |
| Core capital (leverage) ratio | 13.6364% | 753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6563% | 614 |
| Memoranda: |
| Average total assets | $165,476,200 | 3,232 |
| Average earning assets | $160,545,000 | 3,161 |
| Average equity | $23,493,000 | 2,908 |
| Average total loans | $106,676,800 | 3,143 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6007% | 1,303 |
| Cost of funding earning assets | 0.7743% | 1,612 |
| Net interest margin | 3.8264% | 1,553 |
| Noninterest income to average assets | 1.4655% | 542 |
| Noninterest expense to average assets | 2.9120% | 1,673 |
| Loan and lease loss provision to assets | 0.4696% | 662 |
| Net operating income to assets | 1.7912% | 460 |
| Return on assets (ROA) | 1.7912% | 518 |
| Pretax return on assets | 1.7945% | 786 |
| Return on Equity (ROE) | 12.5394% | 1,238 |
| Retained earnings to average equity (ytd only) | -3.5441% | 4,797 |
| Net charge-offs to loans | -0.5922% | 4,980 |
| Credit loss provision to net charge-offs | -121.1864% | 3,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2619% | 3,885 |
| Assets per employee ($millions) | 6.1899% | 2,096 |
| Cash dividends to net income (ytd only)* | 128.2639% | 147 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.5094% | 34 |
| Loan loss allowance to noncurrent loans | 224.2055% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 1.5075% | 563 |
| Noncurrent loans to loans | 2.4573% | 430 |
| Net loans and leases to total assets | 57.9663% | 3,418 |
| Net loans and leases to deposits | 67.4180% | 3,519 |
| Net loans and leases to core deposits | 69.7771% | 3,636 |
| Total domestic deposits to total assets | 85.9804% | 2,077 |
| Equity capital to assets | 12.9622% | 1,200 |
| Core capital (leverage) ratio | 12.9373% | 963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2775% | 759 |
| Memoranda: |
| Average total assets | $162,493,500 | 3,247 |
| Average earning assets | $157,566,000 | 3,175 |
| Average equity | $23,211,500 | 2,922 |
| Average total loans | $106,268,000 | 3,151 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8243% | 1,109 |
| Cost of funding earning assets | 0.8308% | 1,675 |
| Net interest margin | 3.9935% | 1,339 |
| Noninterest income to average assets | 1.4947% | 471 |
| Noninterest expense to average assets | 3.1386% | 1,269 |
| Loan and lease loss provision to assets | 0.6032% | 525 |
| Net operating income to assets | 1.6158% | 739 |
| Return on assets (ROA) | 1.6158% | 809 |
| Pretax return on assets | 1.6209% | 1,179 |
| Return on Equity (ROE) | 10.9259% | 1,653 |
| Retained earnings to average equity (ytd only) | -8.9080% | 4,896 |
| Net charge-offs to loans | -0.7468% | 5,017 |
| Credit loss provision to net charge-offs | -120.6633% | 3,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5256% | 3,626 |
| Assets per employee ($millions) | 6.2083% | 2,018 |
| Cash dividends to net income (ytd only)* | 181.5312% | 131 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.4385% | 30 |
| Loan loss allowance to noncurrent loans | 663.0631% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.4932% | 2,358 |
| Noncurrent loans to loans | 0.8202% | 1,857 |
| Net loans and leases to total assets | 56.8632% | 3,619 |
| Net loans and leases to deposits | 65.7114% | 3,751 |
| Net loans and leases to core deposits | 67.9898% | 3,863 |
| Total domestic deposits to total assets | 86.5347% | 1,792 |
| Equity capital to assets | 12.7021% | 1,282 |
| Core capital (leverage) ratio | 13.5742% | 859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2532% | 742 |
| Memoranda: |
| Average total assets | $156,822,667 | 3,285 |
| Average earning assets | $151,898,000 | 3,206 |
| Average equity | $23,192,667 | 2,917 |
| Average total loans | $104,984,000 | 3,166 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2141% | 644 |
| Cost of funding earning assets | 0.9356% | 1,716 |
| Net interest margin | 4.2785% | 793 |
| Noninterest income to average assets | 1.8263% | 297 |
| Noninterest expense to average assets | 3.1788% | 1,471 |
| Loan and lease loss provision to assets | 0.5482% | 525 |
| Net operating income to assets | 2.2202% | 174 |
| Return on assets (ROA) | 2.2202% | 191 |
| Pretax return on assets | 2.2312% | 276 |
| Return on Equity (ROE) | 13.8046% | 736 |
| Retained earnings to average equity (ytd only) | -17.0246% | 4,924 |
| Net charge-offs to loans | -0.7973% | 5,044 |
| Credit loss provision to net charge-offs | -96.6019% | 3,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3518% | 4,445 |
| Assets per employee ($millions) | 4.7928% | 2,883 |
| Cash dividends to net income (ytd only)* | 223.3251% | 251 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.2795% | 35 |
| Loan loss allowance to noncurrent loans | 557.8623% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.6767% | 1,969 |
| Noncurrent loans to loans | 0.9464% | 1,739 |
| Net loans and leases to total assets | 67.7289% | 2,583 |
| Net loans and leases to deposits | 81.1702% | 2,560 |
| Net loans and leases to core deposits | 84.6449% | 2,790 |
| Total domestic deposits to total assets | 83.4406% | 2,963 |
| Equity capital to assets | 15.9391% | 595 |
| Core capital (leverage) ratio | 16.0396% | 513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9539% | 647 |
| Memoranda: |
| Average total assets | $145,213,500 | 3,390 |
| Average earning assets | $140,236,000 | 3,308 |
| Average equity | $23,354,500 | 2,899 |
| Average total loans | $103,343,500 | 3,178 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5936% | 98 |
| Cost of funding earning assets | 0.9426% | 1,997 |
| Net interest margin | 5.6510% | 92 |
| Noninterest income to average assets | 4.1776% | 111 |
| Noninterest expense to average assets | 4.0838% | 484 |
| Loan and lease loss provision to assets | 2.0542% | 41 |
| Net operating income to assets | 3.4847% | 62 |
| Return on assets (ROA) | 3.4847% | 64 |
| Pretax return on assets | 3.4876% | 78 |
| Return on Equity (ROE) | 21.4696% | 149 |
| Retained earnings to average equity (ytd only) | 9.0183% | 701 |
| Net charge-offs to loans | 0.8288% | 198 |
| Credit loss provision to net charge-offs | 328.2584% | 847 |
| Earnings coverage of net charge-offs (x) | 8.8558% | 2,724 |
| Efficiency ratio | 42.4265% | 5,018 |
| Assets per employee ($millions) | 4.8881% | 2,722 |
| Cash dividends to net income (ytd only)* | 57.9950% | 1,663 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.8356% | 36 |
| Loan loss allowance to noncurrent loans | 568.2127% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.6028% | 2,090 |
| Noncurrent loans to loans | 0.8510% | 1,811 |
| Net loans and leases to total assets | 67.4104% | 2,771 |
| Net loans and leases to deposits | 80.6751% | 2,698 |
| Net loans and leases to core deposits | 83.5830% | 2,993 |
| Total domestic deposits to total assets | 83.5579% | 3,003 |
| Equity capital to assets | 16.2239% | 565 |
| Core capital (leverage) ratio | 17.1893% | 395 |
| Tier 1 risk-based capital ratio | 21.5707% | 1,077 |
| Total risk-based capital ratio | 22.8614% | 1,041 |
| Memoranda: |
| Average total assets | $138,547,000 | 3,458 |
| Average earning assets | $133,568,800 | 3,374 |
| Average equity | $22,487,600 | 2,919 |
| Average total loans | $104,603,400 | 3,162 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5242% | 106 |
| Cost of funding earning assets | 0.9267% | 2,103 |
| Net interest margin | 5.5975% | 101 |
| Noninterest income to average assets | 4.1428% | 111 |
| Noninterest expense to average assets | 4.1984% | 412 |
| Loan and lease loss provision to assets | 1.8526% | 47 |
| Net operating income to assets | 3.4777% | 61 |
| Return on assets (ROA) | 3.4777% | 63 |
| Pretax return on assets | 3.4836% | 82 |
| Return on Equity (ROE) | 21.4238% | 183 |
| Retained earnings to average equity (ytd only) | 4.5843% | 3,111 |
| Net charge-offs to loans | -1.2724% | 5,212 |
| Credit loss provision to net charge-offs | -189.7000% | 4,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0336% | 5,011 |
| Assets per employee ($millions) | 4.5333% | 3,145 |
| Cash dividends to net income (ytd only)* | 78.6016% | 697 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.3209% | 32 |
| Loan loss allowance to noncurrent loans | 234.8221% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 1.8603% | 514 |
| Noncurrent loans to loans | 2.2659% | 545 |
| Net loans and leases to total assets | 77.7306% | 1,183 |
| Net loans and leases to deposits | 96.0739% | 1,010 |
| Net loans and leases to core deposits | 99.3207% | 1,715 |
| Total domestic deposits to total assets | 80.9071% | 3,788 |
| Equity capital to assets | 16.5635% | 548 |
| Core capital (leverage) ratio | 16.0097% | 557 |
| Tier 1 risk-based capital ratio | 19.4383% | 1,474 |
| Total risk-based capital ratio | 20.7361% | 1,435 |
| Memoranda: |
| Average total assets | $136,523,250 | 3,519 |
| Average earning assets | $131,508,000 | 3,435 |
| Average equity | $22,161,750 | 2,969 |
| Average total loans | $104,785,500 | 3,196 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7143% | 96 |
| Cost of funding earning assets | 0.9036% | 2,121 |
| Net interest margin | 5.8107% | 78 |
| Noninterest income to average assets | 5.1134% | 93 |
| Noninterest expense to average assets | 4.6540% | 267 |
| Loan and lease loss provision to assets | 2.1551% | 36 |
| Net operating income to assets | 3.8947% | 55 |
| Return on assets (ROA) | 3.8947% | 59 |
| Pretax return on assets | 3.9020% | 69 |
| Return on Equity (ROE) | 24.1557% | 113 |
| Retained earnings to average equity (ytd only) | 8.7385% | 1,117 |
| Net charge-offs to loans | -0.8781% | 5,252 |
| Credit loss provision to net charge-offs | -327.3333% | 4,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4503% | 5,082 |
| Assets per employee ($millions) | 4.4667% | 3,190 |
| Cash dividends to net income (ytd only)* | 63.8242% | 1,288 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.4336% | 49 |
| Loan loss allowance to noncurrent loans | 126.0020% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 2.9417% | 208 |
| Noncurrent loans to loans | 3.5186% | 236 |
| Net loans and leases to total assets | 79.8981% | 891 |
| Net loans and leases to deposits | 98.8022% | 763 |
| Net loans and leases to core deposits | 102.1798% | 1,537 |
| Total domestic deposits to total assets | 80.8667% | 3,856 |
| Equity capital to assets | 16.9594% | 474 |
| Core capital (leverage) ratio | 16.8492% | 448 |
| Tier 1 risk-based capital ratio | 19.4473% | 1,447 |
| Total risk-based capital ratio | 20.7351% | 1,413 |
| Memoranda: |
| Average total assets | $136,698,330 | 3,532 |
| Average earning assets | $131,688,670 | 3,450 |
| Average equity | $22,040,330 | 2,969 |
| Average total loans | $102,496,330 | 3,250 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6429% | 102 |
| Cost of funding earning assets | 0.8691% | 2,163 |
| Net interest margin | 5.7738% | 83 |
| Noninterest income to average assets | 7.5540% | 65 |
| Noninterest expense to average assets | 4.7057% | 255 |
| Loan and lease loss provision to assets | 3.1844% | 25 |
| Net operating income to assets | 5.2127% | 40 |
| Return on assets (ROA) | 5.2127% | 43 |
| Pretax return on assets | 5.2272% | 49 |
| Return on Equity (ROE) | 33.1651% | 37 |
| Retained earnings to average equity (ytd only) | 1.8435% | 4,109 |
| Net charge-offs to loans | -1.2279% | 5,315 |
| Credit loss provision to net charge-offs | -366.3333% | 3,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.8736% | 5,270 |
| Assets per employee ($millions) | 4.5749% | 3,082 |
| Cash dividends to net income (ytd only)* | 94.4414% | 691 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.5521% | 43 |
| Loan loss allowance to noncurrent loans | 180.3898% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 1.7946% | 589 |
| Noncurrent loans to loans | 2.5235% | 514 |
| Net loans and leases to total assets | 67.8781% | 2,769 |
| Net loans and leases to deposits | 82.0619% | 2,605 |
| Net loans and leases to core deposits | 84.7055% | 2,969 |
| Total domestic deposits to total assets | 82.7157% | 3,496 |
| Equity capital to assets | 15.8730% | 592 |
| Core capital (leverage) ratio | 16.2355% | 504 |
| Tier 1 risk-based capital ratio | 20.8057% | 1,199 |
| Total risk-based capital ratio | 22.0934% | 1,161 |
| Memoranda: |
| Average total assets | $138,046,500 | 3,559 |
| Average earning assets | $133,014,000 | 3,468 |
| Average equity | $21,697,500 | 3,006 |
| Average total loans | $97,728,500 | 3,355 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9834% | 167 |
| Cost of funding earning assets | 0.8142% | 1,457 |
| Net interest margin | 5.1692% | 199 |
| Noninterest income to average assets | 3.7580% | 113 |
| Noninterest expense to average assets | 4.0015% | 528 |
| Loan and lease loss provision to assets | 1.1579% | 64 |
| Net operating income to assets | 3.5702% | 57 |
| Return on assets (ROA) | 3.5702% | 57 |
| Pretax return on assets | 3.5747% | 63 |
| Return on Equity (ROE) | 23.2428% | 122 |
| Retained earnings to average equity (ytd only) | 7.0791% | 1,637 |
| Net charge-offs to loans | 0.4858% | 372 |
| Credit loss provision to net charge-offs | 332.6226% | 946 |
| Earnings coverage of net charge-offs (x) | 13.5949% | 2,444 |
| Efficiency ratio | 45.8146% | 5,124 |
| Assets per employee ($millions) | 4.6282% | 2,985 |
| Cash dividends to net income (ytd only)* | 69.5426% | 1,105 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1108% | 116 |
| Loan loss allowance to noncurrent loans | 751.6049% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.2917% | 3,412 |
| Noncurrent loans to loans | 0.4139% | 3,050 |
| Net loans and leases to total assets | 68.2838% | 2,843 |
| Net loans and leases to deposits | 81.4533% | 2,797 |
| Net loans and leases to core deposits | 83.4081% | 3,139 |
| Total domestic deposits to total assets | 83.8318% | 3,050 |
| Equity capital to assets | 15.5639% | 608 |
| Core capital (leverage) ratio | 16.4457% | 463 |
| Tier 1 risk-based capital ratio | 20.5813% | 1,212 |
| Total risk-based capital ratio | 21.8514% | 1,181 |
| Memoranda: |
| Average total assets | $134,725,800 | 3,581 |
| Average earning assets | $129,692,200 | 3,496 |
| Average equity | $20,694,600 | 3,021 |
| Average total loans | $96,543,800 | 3,362 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1995% | 118 |
| Cost of funding earning assets | 0.7804% | 1,430 |
| Net interest margin | 5.4191% | 124 |
| Noninterest income to average assets | 4.5386% | 101 |
| Noninterest expense to average assets | 3.8943% | 599 |
| Loan and lease loss provision to assets | 1.4660% | 51 |
| Net operating income to assets | 4.3870% | 45 |
| Return on assets (ROA) | 4.3870% | 45 |
| Pretax return on assets | 4.3930% | 54 |
| Return on Equity (ROE) | 28.6586% | 43 |
| Retained earnings to average equity (ytd only) | 6.8666% | 2,198 |
| Net charge-offs to loans | -0.2065% | 5,302 |
| Credit loss provision to net charge-offs | -986.5772% | 4,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9284% | 5,335 |
| Assets per employee ($millions) | 4.3562% | 3,347 |
| Cash dividends to net income (ytd only)* | 76.0400% | 668 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0244% | 60 |
| Loan loss allowance to noncurrent loans | 1,889.9471% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 4,225 |
| Noncurrent loans to loans | 0.2129% | 3,946 |
| Net loans and leases to total assets | 65.1850% | 3,287 |
| Net loans and leases to deposits | 79.9330% | 3,053 |
| Net loans and leases to core deposits | 82.4281% | 3,295 |
| Total domestic deposits to total assets | 81.5495% | 3,723 |
| Equity capital to assets | 16.1740% | 507 |
| Core capital (leverage) ratio | 16.2032% | 491 |
| Tier 1 risk-based capital ratio | 22.1395% | 1,031 |
| Total risk-based capital ratio | 23.4217% | 1,010 |
| Memoranda: |
| Average total assets | $133,695,500 | 3,624 |
| Average earning assets | $128,652,750 | 3,550 |
| Average equity | $20,465,750 | 3,073 |
| Average total loans | $96,216,250 | 3,402 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7101% | 231 |
| Cost of funding earning assets | 0.7390% | 1,430 |
| Net interest margin | 4.9711% | 259 |
| Noninterest income to average assets | 3.3527% | 143 |
| Noninterest expense to average assets | 3.4759% | 1,029 |
| Loan and lease loss provision to assets | 0.7127% | 139 |
| Net operating income to assets | 3.9406% | 47 |
| Return on assets (ROA) | 3.9406% | 47 |
| Pretax return on assets | 3.9481% | 60 |
| Return on Equity (ROE) | 26.2227% | 62 |
| Retained earnings to average equity (ytd only) | 6.5310% | 2,296 |
| Net charge-offs to loans | -0.5512% | 5,448 |
| Credit loss provision to net charge-offs | -176.4706% | 4,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7190% | 5,321 |
| Assets per employee ($millions) | 4.2773% | 3,460 |
| Cash dividends to net income (ytd only)* | 75.0942% | 845 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8386% | 173 |
| Loan loss allowance to noncurrent loans | 144.5751% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 1.4110% | 972 |
| Noncurrent loans to loans | 1.9634% | 772 |
| Net loans and leases to total assets | 69.8259% | 2,603 |
| Net loans and leases to deposits | 84.2765% | 2,506 |
| Net loans and leases to core deposits | 86.5744% | 2,867 |
| Total domestic deposits to total assets | 82.8533% | 3,453 |
| Equity capital to assets | 15.6640% | 564 |
| Core capital (leverage) ratio | 16.1674% | 472 |
| Tier 1 risk-based capital ratio | 20.3903% | 1,259 |
| Total risk-based capital ratio | 21.6579% | 1,235 |
| Memoranda: |
| Average total assets | $134,699,000 | 3,636 |
| Average earning assets | $129,630,330 | 3,555 |
| Average equity | $20,242,000 | 3,109 |
| Average total loans | $98,702,000 | 3,357 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7656% | 193 |
| Cost of funding earning assets | 0.6920% | 1,483 |
| Net interest margin | 5.0736% | 204 |
| Noninterest income to average assets | 4.4110% | 104 |
| Noninterest expense to average assets | 3.6538% | 817 |
| Loan and lease loss provision to assets | 0.7072% | 137 |
| Net operating income to assets | 4.9297% | 39 |
| Return on assets (ROA) | 4.9297% | 39 |
| Pretax return on assets | 4.9326% | 48 |
| Return on Equity (ROE) | 33.4968% | 29 |
| Retained earnings to average equity (ytd only) | -6.4070% | 5,262 |
| Net charge-offs to loans | -0.5219% | 5,500 |
| Credit loss provision to net charge-offs | -183.2061% | 3,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3152% | 5,475 |
| Assets per employee ($millions) | 4.1819% | 3,683 |
| Cash dividends to net income (ytd only)* | 119.1273% | 458 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4174% | 277 |
| Loan loss allowance to noncurrent loans | 234.9848% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.7629% | 2,045 |
| Noncurrent loans to loans | 1.0287% | 1,778 |
| Net loans and leases to total assets | 72.3661% | 2,114 |
| Net loans and leases to deposits | 86.5395% | 2,098 |
| Net loans and leases to core deposits | 87.6373% | 2,663 |
| Total domestic deposits to total assets | 83.6221% | 3,463 |
| Equity capital to assets | 15.2694% | 614 |
| Core capital (leverage) ratio | 15.5278% | 550 |
| Tier 1 risk-based capital ratio | 19.2861% | 1,478 |
| Total risk-based capital ratio | 20.5480% | 1,442 |
| Memoranda: |
| Average total assets | $135,750,000 | 3,661 |
| Average earning assets | $130,637,000 | 3,580 |
| Average equity | $19,978,000 | 3,161 |
| Average total loans | $100,407,000 | 3,352 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0636% | 121 |
| Cost of funding earning assets | 0.7153% | 948 |
| Net interest margin | 5.3483% | 132 |
| Noninterest income to average assets | 4.7228% | 111 |
| Noninterest expense to average assets | 3.9502% | 575 |
| Loan and lease loss provision to assets | 2.1800% | 33 |
| Net operating income to assets | 3.7335% | 50 |
| Return on assets (ROA) | 3.7335% | 50 |
| Pretax return on assets | 3.7350% | 70 |
| Return on Equity (ROE) | 25.8724% | 58 |
| Retained earnings to average equity (ytd only) | 11.7315% | 193 |
| Net charge-offs to loans | 2.4594% | 57 |
| Credit loss provision to net charge-offs | 120.7215% | 2,164 |
| Earnings coverage of net charge-offs (x) | 3.2756% | 3,632 |
| Efficiency ratio | 40.0415% | 5,527 |
| Assets per employee ($millions) | 4.5762% | 3,067 |
| Cash dividends to net income (ytd only)* | 54.6561% | 2,036 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8658% | 687 |
| Loan loss allowance to noncurrent loans | 411.1579% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3348% | 3,526 |
| Noncurrent loans to loans | 0.4538% | 3,151 |
| Net loans and leases to total assets | 72.4105% | 2,162 |
| Net loans and leases to deposits | 84.9007% | 2,385 |
| Net loans and leases to core deposits | 85.8601% | 2,914 |
| Total domestic deposits to total assets | 85.2885% | 2,730 |
| Equity capital to assets | 14.2117% | 855 |
| Core capital (leverage) ratio | 15.2235% | 580 |
| Tier 1 risk-based capital ratio | 17.9896% | 1,807 |
| Total risk-based capital ratio | 19.2470% | 1,754 |
| Memoranda: |
| Average total assets | $132,020,200 | 3,717 |
| Average earning assets | $126,936,800 | 3,630 |
| Average equity | $19,051,200 | 3,238 |
| Average total loans | $96,936,000 | 3,394 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2325% | 101 |
| Cost of funding earning assets | 0.7034% | 948 |
| Net interest margin | 5.5290% | 99 |
| Noninterest income to average assets | 5.1753% | 109 |
| Noninterest expense to average assets | 4.3891% | 342 |
| Loan and lease loss provision to assets | 1.6908% | 50 |
| Net operating income to assets | 4.4076% | 45 |
| Return on assets (ROA) | 4.4076% | 44 |
| Pretax return on assets | 4.4097% | 62 |
| Return on Equity (ROE) | 30.4176% | 30 |
| Retained earnings to average equity (ytd only) | 11.2850% | 372 |
| Net charge-offs to loans | -0.5165% | 5,659 |
| Credit loss provision to net charge-offs | -446.4674% | 4,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8424% | 5,539 |
| Assets per employee ($millions) | 4.2215% | 3,606 |
| Cash dividends to net income (ytd only)* | 62.8999% | 1,235 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7250% | 85 |
| Loan loss allowance to noncurrent loans | 373.9224% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.7091% | 2,381 |
| Noncurrent loans to loans | 0.9962% | 1,942 |
| Net loans and leases to total assets | 68.5309% | 2,766 |
| Net loans and leases to deposits | 82.9081% | 2,670 |
| Net loans and leases to core deposits | 83.7567% | 3,146 |
| Total domestic deposits to total assets | 82.6589% | 3,565 |
| Equity capital to assets | 14.9532% | 742 |
| Core capital (leverage) ratio | 14.9721% | 671 |
| Tier 1 risk-based capital ratio | 19.7707% | 1,417 |
| Total risk-based capital ratio | 21.0496% | 1,369 |
| Memoranda: |
| Average total assets | $129,559,750 | 3,790 |
| Average earning assets | $124,527,500 | 3,705 |
| Average equity | $18,773,750 | 3,294 |
| Average total loans | $95,001,000 | 3,464 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1629% | 106 |
| Cost of funding earning assets | 0.6944% | 919 |
| Net interest margin | 5.4684% | 106 |
| Noninterest income to average assets | 5.7697% | 101 |
| Noninterest expense to average assets | 4.4856% | 326 |
| Loan and lease loss provision to assets | 2.0182% | 43 |
| Net operating income to assets | 4.5197% | 48 |
| Return on assets (ROA) | 4.5197% | 48 |
| Pretax return on assets | 4.5228% | 63 |
| Return on Equity (ROE) | 31.5312% | 33 |
| Retained earnings to average equity (ytd only) | 13.4423% | 224 |
| Net charge-offs to loans | -0.3493% | 5,661 |
| Credit loss provision to net charge-offs | -780.2395% | 4,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6799% | 5,611 |
| Assets per employee ($millions) | 4.1418% | 3,724 |
| Cash dividends to net income (ytd only)* | 57.3681% | 1,594 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0359% | 157 |
| Loan loss allowance to noncurrent loans | 1,450.0000% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 4,553 |
| Noncurrent loans to loans | 0.2094% | 4,284 |
| Net loans and leases to total assets | 72.8607% | 2,068 |
| Net loans and leases to deposits | 87.5970% | 2,035 |
| Net loans and leases to core deposits | 88.0646% | 2,694 |
| Total domestic deposits to total assets | 83.1772% | 3,513 |
| Equity capital to assets | 14.9708% | 707 |
| Core capital (leverage) ratio | 15.3678% | 568 |
| Tier 1 risk-based capital ratio | 18.6961% | 1,666 |
| Total risk-based capital ratio | 19.9652% | 1,628 |
| Memoranda: |
| Average total assets | $129,123,670 | 3,821 |
| Average earning assets | $124,130,330 | 3,736 |
| Average equity | $18,508,670 | 3,334 |
| Average total loans | $95,616,330 | 3,460 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7307% | 68 |
| Cost of funding earning assets | 0.6879% | 886 |
| Net interest margin | 6.0429% | 78 |
| Noninterest income to average assets | 7.0957% | 86 |
| Noninterest expense to average assets | 4.3649% | 365 |
| Loan and lease loss provision to assets | 2.2056% | 33 |
| Net operating income to assets | 6.3296% | 30 |
| Return on assets (ROA) | 6.3296% | 30 |
| Pretax return on assets | 6.3327% | 41 |
| Return on Equity (ROE) | 45.1520% | 20 |
| Retained earnings to average equity (ytd only) | 8.2636% | 1,352 |
| Net charge-offs to loans | -0.0420% | 5,103 |
| Credit loss provision to net charge-offs | -7,140.0000% | 4,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.8281% | 5,777 |
| Assets per employee ($millions) | 4.0744% | 3,896 |
| Cash dividends to net income (ytd only)* | 81.6984% | 950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1847% | 487 |
| Loan loss allowance to noncurrent loans | 898.3539% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 4,475 |
| Noncurrent loans to loans | 0.2432% | 4,237 |
| Net loans and leases to total assets | 77.3819% | 1,217 |
| Net loans and leases to deposits | 91.8409% | 1,345 |
| Net loans and leases to core deposits | 93.1397% | 2,054 |
| Total domestic deposits to total assets | 84.2565% | 3,372 |
| Equity capital to assets | 14.5235% | 747 |
| Core capital (leverage) ratio | 14.6292% | 682 |
| Tier 1 risk-based capital ratio | 17.3596% | 2,081 |
| Total risk-based capital ratio | 18.6193% | 2,022 |
| Memoranda: |
| Average total assets | $129,487,000 | 3,848 |
| Average earning assets | $124,444,500 | 3,762 |
| Average equity | $18,152,000 | 3,394 |
| Average total loans | $95,184,500 | 3,495 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2599% | 377 |
| Cost of funding earning assets | 0.6908% | 853 |
| Net interest margin | 4.5690% | 533 |
| Noninterest income to average assets | 5.0534% | 122 |
| Noninterest expense to average assets | 4.1880% | 494 |
| Loan and lease loss provision to assets | 1.4684% | 62 |
| Net operating income to assets | 3.7772% | 55 |
| Return on assets (ROA) | 3.7772% | 56 |
| Pretax return on assets | 3.7826% | 74 |
| Return on Equity (ROE) | 28.4541% | 52 |
| Retained earnings to average equity (ytd only) | 9.6024% | 479 |
| Net charge-offs to loans | 1.9918% | 72 |
| Credit loss provision to net charge-offs | 100.9125% | 2,543 |
| Earnings coverage of net charge-offs (x) | 3.6087% | 3,630 |
| Efficiency ratio | 44.3691% | 5,683 |
| Assets per employee ($millions) | 4.2796% | 3,474 |
| Cash dividends to net income (ytd only)* | 66.2531% | 1,483 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6131% | 1,339 |
| Loan loss allowance to noncurrent loans | 120.5785% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.9121% | 2,080 |
| Noncurrent loans to loans | 1.3378% | 1,535 |
| Net loans and leases to total assets | 67.0765% | 2,916 |
| Net loans and leases to deposits | 78.0585% | 3,095 |
| Net loans and leases to core deposits | 79.0859% | 3,469 |
| Total domestic deposits to total assets | 85.9310% | 2,615 |
| Equity capital to assets | 13.5376% | 1,029 |
| Core capital (leverage) ratio | 14.1296% | 787 |
| Tier 1 risk-based capital ratio | 18.0211% | 1,842 |
| Total risk-based capital ratio | 19.2738% | 1,801 |
| Memoranda: |
| Average total assets | $128,032,800 | 3,861 |
| Average earning assets | $122,892,800 | 3,776 |
| Average equity | $16,995,800 | 3,555 |
| Average total loans | $93,532,000 | 3,509 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2720% | 385 |
| Cost of funding earning assets | 0.6924% | 846 |
| Net interest margin | 4.5796% | 529 |
| Noninterest income to average assets | 4.9171% | 125 |
| Noninterest expense to average assets | 3.6413% | 932 |
| Loan and lease loss provision to assets | 1.3872% | 65 |
| Net operating income to assets | 4.2739% | 47 |
| Return on assets (ROA) | 4.2739% | 47 |
| Pretax return on assets | 4.2813% | 61 |
| Return on Equity (ROE) | 32.3641% | 27 |
| Retained earnings to average equity (ytd only) | 6.8675% | 1,693 |
| Net charge-offs to loans | -0.1584% | 5,702 |
| Credit loss provision to net charge-offs | -1,178.5714% | 5,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.1128% | 5,845 |
| Assets per employee ($millions) | 4.2392% | 3,528 |
| Cash dividends to net income (ytd only)* | 78.7804% | 776 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0286% | 179 |
| Loan loss allowance to noncurrent loans | 212.4169% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 1.0639% | 1,937 |
| Noncurrent loans to loans | 1.4258% | 1,522 |
| Net loans and leases to total assets | 72.3578% | 2,137 |
| Net loans and leases to deposits | 85.3904% | 2,324 |
| Net loans and leases to core deposits | 86.5779% | 2,899 |
| Total domestic deposits to total assets | 84.7376% | 2,921 |
| Equity capital to assets | 13.5538% | 1,224 |
| Core capital (leverage) ratio | 13.8598% | 890 |
| Tier 1 risk-based capital ratio | 17.0282% | 2,216 |
| Total risk-based capital ratio | 18.2993% | 2,167 |
| Memoranda: |
| Average total assets | $126,874,000 | 3,908 |
| Average earning assets | $121,696,000 | 3,819 |
| Average equity | $16,754,750 | 3,612 |
| Average total loans | $94,303,000 | 3,510 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3341% | 336 |
| Cost of funding earning assets | 0.6960% | 823 |
| Net interest margin | 4.6382% | 473 |
| Noninterest income to average assets | 5.0294% | 121 |
| Noninterest expense to average assets | 3.6569% | 937 |
| Loan and lease loss provision to assets | 1.6092% | 54 |
| Net operating income to assets | 4.1996% | 47 |
| Return on assets (ROA) | 4.1996% | 47 |
| Pretax return on assets | 4.2107% | 63 |
| Return on Equity (ROE) | 32.0839% | 34 |
| Retained earnings to average equity (ytd only) | 9.1358% | 813 |
| Net charge-offs to loans | -0.6163% | 5,961 |
| Credit loss provision to net charge-offs | -351.7241% | 4,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5883% | 5,935 |
| Assets per employee ($millions) | 4.2019% | 3,564 |
| Cash dividends to net income (ytd only)* | 71.5252% | 1,130 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8788% | 228 |
| Loan loss allowance to noncurrent loans | 955.5556% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 4,580 |
| Noncurrent loans to loans | 0.3013% | 4,292 |
| Net loans and leases to total assets | 73.6502% | 1,909 |
| Net loans and leases to deposits | 86.5337% | 2,183 |
| Net loans and leases to core deposits | 88.4016% | 2,693 |
| Total domestic deposits to total assets | 85.1116% | 2,825 |
| Equity capital to assets | 13.5961% | 1,183 |
| Core capital (leverage) ratio | 13.5938% | 950 |
| Tier 1 risk-based capital ratio | 16.8252% | 2,291 |
| Total risk-based capital ratio | 18.0934% | 2,232 |
| Memoranda: |
| Average total assets | $126,773,670 | 3,932 |
| Average earning assets | $121,557,000 | 3,852 |
| Average equity | $16,594,000 | 3,646 |
| Average total loans | $94,105,670 | 3,517 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4185% | 287 |
| Cost of funding earning assets | 0.6925% | 834 |
| Net interest margin | 4.7260% | 409 |
| Noninterest income to average assets | 4.8485% | 124 |
| Noninterest expense to average assets | 3.5680% | 1,069 |
| Loan and lease loss provision to assets | 0.1888% | 1,050 |
| Net operating income to assets | 5.6131% | 36 |
| Return on assets (ROA) | 5.6131% | 35 |
| Pretax return on assets | 5.6225% | 44 |
| Return on Equity (ROE) | 43.7215% | 26 |
| Retained earnings to average equity (ytd only) | -2.9409% | 5,466 |
| Net charge-offs to loans | -0.4670% | 5,987 |
| Credit loss provision to net charge-offs | -55.0459% | 4,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0409% | 6,000 |
| Assets per employee ($millions) | 4.1789% | 3,623 |
| Cash dividends to net income (ytd only)* | 106.7265% | 638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7556% | 1,231 |
| Loan loss allowance to noncurrent loans | 175.8734% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.7307% | 2,887 |
| Noncurrent loans to loans | 0.9982% | 2,392 |
| Net loans and leases to total assets | 71.9118% | 2,055 |
| Net loans and leases to deposits | 83.4758% | 2,370 |
| Net loans and leases to core deposits | 85.2599% | 2,818 |
| Total domestic deposits to total assets | 86.1470% | 2,610 |
| Equity capital to assets | 12.9772% | 1,422 |
| Core capital (leverage) ratio | 12.8217% | 1,227 |
| Tier 1 risk-based capital ratio | 16.1959% | 2,588 |
| Total risk-based capital ratio | 17.4500% | 2,546 |
| Memoranda: |
| Average total assets | $127,131,500 | 3,957 |
| Average earning assets | $121,879,500 | 3,878 |
| Average equity | $16,321,500 | 3,691 |
| Average total loans | $93,361,500 | 3,545 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8498% | 159 |
| Cost of funding earning assets | 0.7137% | 766 |
| Net interest margin | 5.1361% | 199 |
| Noninterest income to average assets | 4.4869% | 142 |
| Noninterest expense to average assets | 4.5333% | 403 |
| Loan and lease loss provision to assets | 1.0550% | 79 |
| Net operating income to assets | 3.8132% | 63 |
| Return on assets (ROA) | 3.8132% | 64 |
| Pretax return on assets | 3.8164% | 79 |
| Return on Equity (ROE) | 31.3861% | 48 |
| Retained earnings to average equity (ytd only) | 16.4529% | 106 |
| Net charge-offs to loans | 1.4277% | 114 |
| Credit loss provision to net charge-offs | 97.3451% | 2,608 |
| Earnings coverage of net charge-offs (x) | 4.4948% | 3,545 |
| Efficiency ratio | 48.2026% | 5,835 |
| Assets per employee ($millions) | 3.9060% | 4,109 |
| Cash dividends to net income (ytd only)* | 47.5791% | 2,444 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5186% | 1,913 |
| Loan loss allowance to noncurrent loans | 279.4574% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.4003% | 3,996 |
| Noncurrent loans to loans | 0.5434% | 3,534 |
| Net loans and leases to total assets | 72.5517% | 1,962 |
| Net loans and leases to deposits | 83.5003% | 2,419 |
| Net loans and leases to core deposits | 85.4247% | 2,833 |
| Total domestic deposits to total assets | 86.8880% | 2,197 |
| Equity capital to assets | 12.7032% | 1,507 |
| Core capital (leverage) ratio | 12.8440% | 1,210 |
| Tier 1 risk-based capital ratio | 15.7953% | 2,784 |
| Total risk-based capital ratio | 17.0473% | 2,721 |
| Memoranda: |
| Average total assets | $125,118,600 | 3,981 |
| Average earning assets | $119,798,800 | 3,887 |
| Average equity | $15,201,000 | 3,808 |
| Average total loans | $94,979,000 | 3,477 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9233% | 146 |
| Cost of funding earning assets | 0.7202% | 753 |
| Net interest margin | 5.2031% | 184 |
| Noninterest income to average assets | 4.1135% | 153 |
| Noninterest expense to average assets | 3.7967% | 858 |
| Loan and lease loss provision to assets | 0.5691% | 165 |
| Net operating income to assets | 4.7234% | 49 |
| Return on assets (ROA) | 4.7234% | 49 |
| Pretax return on assets | 4.7277% | 58 |
| Return on Equity (ROE) | 39.3432% | 26 |
| Retained earnings to average equity (ytd only) | 19.0411% | 74 |
| Net charge-offs to loans | -0.2611% | 6,059 |
| Credit loss provision to net charge-offs | -284.9462% | 5,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7523% | 6,095 |
| Assets per employee ($millions) | 3.7688% | 4,327 |
| Cash dividends to net income (ytd only)* | 51.6026% | 1,807 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4183% | 490 |
| Loan loss allowance to noncurrent loans | 426.8482% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 4,118 |
| Noncurrent loans to loans | 0.5666% | 3,639 |
| Net loans and leases to total assets | 71.1833% | 2,198 |
| Net loans and leases to deposits | 83.1338% | 2,516 |
| Net loans and leases to core deposits | 85.1471% | 2,939 |
| Total domestic deposits to total assets | 85.6250% | 2,724 |
| Equity capital to assets | 12.8698% | 1,522 |
| Core capital (leverage) ratio | 12.8953% | 1,238 |
| Tier 1 risk-based capital ratio | 16.5124% | 2,567 |
| Total risk-based capital ratio | 17.7743% | 2,524 |
| Memoranda: |
| Average total assets | $124,174,000 | 4,038 |
| Average earning assets | $118,849,750 | 3,939 |
| Average equity | $14,907,750 | 3,889 |
| Average total loans | $94,984,000 | 3,509 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7499% | 179 |
| Cost of funding earning assets | 0.7190% | 765 |
| Net interest margin | 5.0310% | 232 |
| Noninterest income to average assets | 3.6677% | 172 |
| Noninterest expense to average assets | 3.8450% | 820 |
| Loan and lease loss provision to assets | 0.7574% | 110 |
| Net operating income to assets | 3.8756% | 63 |
| Return on assets (ROA) | 3.8756% | 63 |
| Pretax return on assets | 3.8805% | 84 |
| Return on Equity (ROE) | 33.0774% | 43 |
| Retained earnings to average equity (ytd only) | 18.3610% | 95 |
| Net charge-offs to loans | -0.0664% | 5,646 |
| Credit loss provision to net charge-offs | -1,468.7500% | 5,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3267% | 6,064 |
| Assets per employee ($millions) | 4.2446% | 3,393 |
| Cash dividends to net income (ytd only)* | 44.4906% | 2,203 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0861% | 871 |
| Loan loss allowance to noncurrent loans | 57.6084% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 2.7922% | 628 |
| Noncurrent loans to loans | 3.6212% | 475 |
| Net loans and leases to total assets | 75.4980% | 1,435 |
| Net loans and leases to deposits | 87.2159% | 1,917 |
| Net loans and leases to core deposits | 90.1850% | 2,332 |
| Total domestic deposits to total assets | 86.5645% | 2,393 |
| Equity capital to assets | 12.3582% | 1,763 |
| Core capital (leverage) ratio | 12.3343% | 1,467 |
| Tier 1 risk-based capital ratio | 14.9544% | 3,379 |
| Total risk-based capital ratio | 16.2140% | 3,315 |
| Memoranda: |
| Average total assets | $124,109,000 | 4,070 |
| Average earning assets | $118,783,670 | 3,971 |
| Average equity | $14,541,670 | 3,957 |
| Average total loans | $96,404,000 | 3,498 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9284% | 139 |
| Cost of funding earning assets | 0.7276% | 747 |
| Net interest margin | 5.2008% | 174 |
| Noninterest income to average assets | 2.6321% | 250 |
| Noninterest expense to average assets | 3.4281% | 1,438 |
| Loan and lease loss provision to assets | 0.1926% | 976 |
| Net operating income to assets | 3.9802% | 59 |
| Return on assets (ROA) | 3.9802% | 62 |
| Pretax return on assets | 3.9898% | 90 |
| Return on Equity (ROE) | 34.9136% | 41 |
| Retained earnings to average equity (ytd only) | 18.1607% | 138 |
| Net charge-offs to loans | -0.7864% | 6,300 |
| Credit loss provision to net charge-offs | -31.4136% | 4,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0443% | 6,141 |
| Assets per employee ($millions) | 4.2417% | 3,478 |
| Cash dividends to net income (ytd only)* | 47.9839% | 1,799 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8113% | 1,479 |
| Loan loss allowance to noncurrent loans | 89.1237% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.5771% | 1,634 |
| Noncurrent loans to loans | 2.0323% | 1,285 |
| Net loans and leases to total assets | 76.1967% | 1,182 |
| Net loans and leases to deposits | 86.9672% | 1,727 |
| Net loans and leases to core deposits | 89.4565% | 2,181 |
| Total domestic deposits to total assets | 87.6154% | 2,038 |
| Equity capital to assets | 11.8131% | 2,179 |
| Core capital (leverage) ratio | 11.6655% | 1,877 |
| Tier 1 risk-based capital ratio | 14.1408% | 3,924 |
| Total risk-based capital ratio | 15.3779% | 3,858 |
| Memoranda: |
| Average total assets | $124,617,500 | 4,090 |
| Average earning assets | $119,289,500 | 3,990 |
| Average equity | $14,206,500 | 4,042 |
| Average total loans | $97,150,000 | 3,500 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3875% | 389 |
| Cost of funding earning assets | 0.7648% | 785 |
| Net interest margin | 4.6227% | 596 |
| Noninterest income to average assets | 4.9845% | 128 |
| Noninterest expense to average assets | 4.2032% | 598 |
| Loan and lease loss provision to assets | 1.4258% | 61 |
| Net operating income to assets | 3.7705% | 63 |
| Return on assets (ROA) | 3.7705% | 63 |
| Pretax return on assets | 3.7730% | 74 |
| Return on Equity (ROE) | 34.2642% | 38 |
| Retained earnings to average equity (ytd only) | 7.3296% | 1,261 |
| Net charge-offs to loans | 1.8931% | 109 |
| Credit loss provision to net charge-offs | 100.7484% | 2,371 |
| Earnings coverage of net charge-offs (x) | 3.6736% | 3,831 |
| Efficiency ratio | 44.7054% | 6,305 |
| Assets per employee ($millions) | 4.3527% | 3,266 |
| Cash dividends to net income (ytd only)* | 78.6085% | 957 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4953% | 2,505 |
| Loan loss allowance to noncurrent loans | 76.0679% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.5393% | 1,766 |
| Noncurrent loans to loans | 1.9657% | 1,423 |
| Net loans and leases to total assets | 77.1348% | 1,114 |
| Net loans and leases to deposits | 86.8098% | 1,868 |
| Net loans and leases to core deposits | 89.1866% | 2,365 |
| Total domestic deposits to total assets | 88.8550% | 1,320 |
| Equity capital to assets | 10.9976% | 2,899 |
| Core capital (leverage) ratio | 11.1307% | 2,282 |
| Tier 1 risk-based capital ratio | 12.3165% | 5,144 |
| Total risk-based capital ratio | 13.5681% | 5,059 |
| Memoranda: |
| Average total assets | $122,741,000 | 4,127 |
| Average earning assets | $117,290,000 | 4,023 |
| Average equity | $13,506,800 | 4,102 |
| Average total loans | $91,755,600 | 3,593 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3882% | 388 |
| Cost of funding earning assets | 0.7697% | 798 |
| Net interest margin | 4.6184% | 591 |
| Noninterest income to average assets | 5.5271% | 111 |
| Noninterest expense to average assets | 4.6267% | 408 |
| Loan and lease loss provision to assets | 0.9081% | 124 |
| Net operating income to assets | 4.4002% | 53 |
| Return on assets (ROA) | 4.4002% | 54 |
| Pretax return on assets | 4.4035% | 69 |
| Return on Equity (ROE) | 39.9801% | 30 |
| Retained earnings to average equity (ytd only) | 3.8171% | 3,937 |
| Net charge-offs to loans | 0.1615% | 2,189 |
| Credit loss provision to net charge-offs | 761.4679% | 409 |
| Earnings coverage of net charge-offs (x) | 44.5412% | 1,052 |
| Efficiency ratio | 46.5544% | 6,262 |
| Assets per employee ($millions) | 4.3664% | 3,186 |
| Cash dividends to net income (ytd only)* | 90.4526% | 511 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4008% | 738 |
| Loan loss allowance to noncurrent loans | 106.0650% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 1.6858% | 1,797 |
| Noncurrent loans to loans | 2.2635% | 1,327 |
| Net loans and leases to total assets | 72.6883% | 1,729 |
| Net loans and leases to deposits | 83.5555% | 2,216 |
| Net loans and leases to core deposits | 86.1692% | 2,648 |
| Total domestic deposits to total assets | 86.9940% | 2,326 |
| Equity capital to assets | 10.8614% | 3,116 |
| Core capital (leverage) ratio | 10.7246% | 2,790 |
| Tier 1 risk-based capital ratio | 12.6465% | 5,065 |
| Total risk-based capital ratio | 13.9072% | 4,977 |
| Memoranda: |
| Average total assets | $121,869,500 | 4,182 |
| Average earning assets | $116,400,500 | 4,078 |
| Average equity | $13,413,000 | 4,150 |
| Average total loans | $89,983,750 | 3,661 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2863% | 441 |
| Cost of funding earning assets | 0.7709% | 828 |
| Net interest margin | 4.5154% | 684 |
| Noninterest income to average assets | 6.0112% | 100 |
| Noninterest expense to average assets | 4.8333% | 346 |
| Loan and lease loss provision to assets | 0.6079% | 231 |
| Net operating income to assets | 4.8760% | 52 |
| Return on assets (ROA) | 4.8760% | 52 |
| Pretax return on assets | 4.8809% | 64 |
| Return on Equity (ROE) | 44.1087% | 25 |
| Retained earnings to average equity (ytd only) | 16.3624% | 159 |
| Net charge-offs to loans | -0.3079% | 6,439 |
| Credit loss provision to net charge-offs | -268.1159% | 5,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8248% | 6,329 |
| Assets per employee ($millions) | 4.4190% | 3,055 |
| Cash dividends to net income (ytd only)* | 62.9043% | 1,403 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2428% | 967 |
| Loan loss allowance to noncurrent loans | 203.8223% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.9302% | 3,219 |
| Noncurrent loans to loans | 1.1004% | 3,027 |
| Net loans and leases to total assets | 69.5018% | 2,157 |
| Net loans and leases to deposits | 79.7714% | 2,544 |
| Net loans and leases to core deposits | 82.2291% | 2,944 |
| Total domestic deposits to total assets | 87.1262% | 2,385 |
| Equity capital to assets | 11.3140% | 2,592 |
| Core capital (leverage) ratio | 11.4769% | 2,022 |
| Tier 1 risk-based capital ratio | 13.0737% | 4,869 |
| Total risk-based capital ratio | 14.3315% | 4,798 |
| Memoranda: |
| Average total assets | $121,739,670 | 4,201 |
| Average earning assets | $116,224,330 | 4,102 |
| Average equity | $13,457,670 | 4,143 |
| Average total loans | $89,627,000 | 3,681 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3595% | 376 |
| Cost of funding earning assets | 0.7780% | 842 |
| Net interest margin | 4.5815% | 573 |
| Noninterest income to average assets | 7.5665% | 83 |
| Noninterest expense to average assets | 3.5778% | 1,350 |
| Loan and lease loss provision to assets | 0.1988% | 1,177 |
| Net operating income to assets | 8.1528% | 25 |
| Return on assets (ROA) | 8.1528% | 25 |
| Pretax return on assets | 8.1594% | 35 |
| Return on Equity (ROE) | 74.6493% | 13 |
| Retained earnings to average equity (ytd only) | 18.0177% | 181 |
| Net charge-offs to loans | -0.3272% | 6,497 |
| Credit loss provision to net charge-offs | -81.0811% | 4,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.9750% | 6,675 |
| Assets per employee ($millions) | 4.3610% | 3,221 |
| Cash dividends to net income (ytd only)* | 75.8635% | 1,042 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8512% | 1,897 |
| Loan loss allowance to noncurrent loans | 162.8310% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.9541% | 3,342 |
| Noncurrent loans to loans | 1.1369% | 3,146 |
| Net loans and leases to total assets | 69.4276% | 1,990 |
| Net loans and leases to deposits | 78.5414% | 2,481 |
| Net loans and leases to core deposits | 80.9495% | 2,855 |
| Total domestic deposits to total assets | 88.3962% | 1,996 |
| Equity capital to assets | 11.0444% | 2,682 |
| Core capital (leverage) ratio | 11.0431% | 2,344 |
| Tier 1 risk-based capital ratio | 13.5377% | 4,655 |
| Total risk-based capital ratio | 14.7929% | 4,592 |
| Memoranda: |
| Average total assets | $120,743,500 | 4,261 |
| Average earning assets | $115,160,000 | 4,156 |
| Average equity | $13,187,000 | 4,204 |
| Average total loans | $90,456,000 | 3,692 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3117% | 515 |
| Cost of funding earning assets | 0.8354% | 1,019 |
| Net interest margin | 4.4763% | 775 |
| Noninterest income to average assets | 3.1937% | 210 |
| Noninterest expense to average assets | 3.6531% | 1,366 |
| Loan and lease loss provision to assets | 0.2892% | 1,182 |
| Net operating income to assets | 3.5257% | 78 |
| Return on assets (ROA) | 3.5257% | 78 |
| Pretax return on assets | 3.5274% | 83 |
| Return on Equity (ROE) | 35.5117% | 37 |
| Retained earnings to average equity (ytd only) | 19.1405% | 90 |
| Net charge-offs to loans | 0.1241% | 3,568 |
| Credit loss provision to net charge-offs | 305.3097% | 747 |
| Earnings coverage of net charge-offs (x) | 40.2920% | 940 |
| Efficiency ratio | 48.9058% | 6,449 |
| Assets per employee ($millions) | 3.7306% | 4,408 |
| Cash dividends to net income (ytd only)* | 46.1008% | 2,489 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5497% | 2,959 |
| Loan loss allowance to noncurrent loans | 179.5343% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.8368% | 3,800 |
| Noncurrent loans to loans | 0.8632% | 3,819 |
| Net loans and leases to total assets | 77.9628% | 831 |
| Net loans and leases to deposits | 87.5214% | 1,516 |
| Net loans and leases to core deposits | 90.0264% | 2,022 |
| Total domestic deposits to total assets | 89.0786% | 1,571 |
| Equity capital to assets | 10.7958% | 2,821 |
| Core capital (leverage) ratio | 10.7335% | 2,642 |
| Tier 1 risk-based capital ratio | 12.1665% | 5,515 |
| Total risk-based capital ratio | 13.4185% | 5,449 |
| Memoranda: |
| Average total assets | $119,295,600 | 4,289 |
| Average earning assets | $113,955,600 | 4,183 |
| Average equity | $11,844,000 | 4,470 |
| Average total loans | $91,060,600 | 3,665 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2543% | 579 |
| Cost of funding earning assets | 0.8455% | 1,071 |
| Net interest margin | 4.4088% | 875 |
| Noninterest income to average assets | 3.3491% | 208 |
| Noninterest expense to average assets | 3.0238% | 2,908 |
| Loan and lease loss provision to assets | 0.3186% | 1,055 |
| Net operating income to assets | 4.2187% | 53 |
| Return on assets (ROA) | 4.2187% | 54 |
| Pretax return on assets | 4.2210% | 69 |
| Return on Equity (ROE) | 43.4419% | 22 |
| Retained earnings to average equity (ytd only) | 26.3023% | 38 |
| Net charge-offs to loans | 0.1020% | 3,520 |
| Credit loss provision to net charge-offs | 413.0435% | 648 |
| Earnings coverage of net charge-offs (x) | 58.8536% | 764 |
| Efficiency ratio | 39.9793% | 6,754 |
| Assets per employee ($millions) | 3.9256% | 3,992 |
| Cash dividends to net income (ytd only)* | 39.4541% | 2,305 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6060% | 2,976 |
| Loan loss allowance to noncurrent loans | 75.3510% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.7306% | 2,373 |
| Noncurrent loans to loans | 2.1314% | 2,097 |
| Net loans and leases to total assets | 72.9500% | 1,464 |
| Net loans and leases to deposits | 82.4548% | 2,082 |
| Net loans and leases to core deposits | 84.9912% | 2,543 |
| Total domestic deposits to total assets | 88.4726% | 1,853 |
| Equity capital to assets | 10.6054% | 3,156 |
| Core capital (leverage) ratio | 10.8154% | 2,655 |
| Tier 1 risk-based capital ratio | 12.5837% | 5,405 |
| Total risk-based capital ratio | 13.7719% | 5,388 |
| Memoranda: |
| Average total assets | $119,274,500 | 4,334 |
| Average earning assets | $114,012,750 | 4,222 |
| Average equity | $11,583,000 | 4,581 |
| Average total loans | $90,191,500 | 3,710 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3361% | 489 |
| Cost of funding earning assets | 0.8570% | 1,108 |
| Net interest margin | 4.4792% | 735 |
| Noninterest income to average assets | 2.7822% | 280 |
| Noninterest expense to average assets | 3.0709% | 2,757 |
| Loan and lease loss provision to assets | 0.2026% | 1,871 |
| Net operating income to assets | 3.7833% | 73 |
| Return on assets (ROA) | 3.7833% | 75 |
| Pretax return on assets | 3.7884% | 95 |
| Return on Equity (ROE) | 40.2262% | 30 |
| Retained earnings to average equity (ytd only) | 21.5760% | 69 |
| Net charge-offs to loans | -0.4813% | 6,821 |
| Credit loss provision to net charge-offs | -55.2995% | 5,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4855% | 6,722 |
| Assets per employee ($millions) | 4.3215% | 3,135 |
| Cash dividends to net income (ytd only)* | 46.3632% | 2,019 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6437% | 2,995 |
| Loan loss allowance to noncurrent loans | 70.2775% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 2.0715% | 2,091 |
| Noncurrent loans to loans | 2.3389% | 2,014 |
| Net loans and leases to total assets | 80.5161% | 487 |
| Net loans and leases to deposits | 90.3771% | 1,107 |
| Net loans and leases to core deposits | 93.1515% | 1,600 |
| Total domestic deposits to total assets | 89.0891% | 1,575 |
| Equity capital to assets | 10.1259% | 3,759 |
| Core capital (leverage) ratio | 10.1109% | 3,352 |
| Tier 1 risk-based capital ratio | 11.1878% | 6,253 |
| Total risk-based capital ratio | 12.4495% | 6,217 |
| Memoranda: |
| Average total assets | $118,468,330 | 4,379 |
| Average earning assets | $113,190,670 | 4,267 |
| Average equity | $11,142,000 | 4,696 |
| Average total loans | $90,180,670 | 3,719 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0654% | 796 |
| Cost of funding earning assets | 0.8629% | 1,189 |
| Net interest margin | 4.2024% | 1,175 |
| Noninterest income to average assets | 2.2285% | 373 |
| Noninterest expense to average assets | 2.9624% | 3,108 |
| Loan and lease loss provision to assets | 0.2011% | 1,848 |
| Net operating income to assets | 3.0797% | 99 |
| Return on assets (ROA) | 3.0797% | 105 |
| Pretax return on assets | 3.0797% | 147 |
| Return on Equity (ROE) | 34.0197% | 57 |
| Retained earnings to average equity (ytd only) | 12.2160% | 666 |
| Net charge-offs to loans | -1.0147% | 6,928 |
| Credit loss provision to net charge-offs | -27.0270% | 5,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4503% | 6,633 |
| Assets per employee ($millions) | 4.4843% | 3,002 |
| Cash dividends to net income (ytd only)* | 64.0914% | 1,225 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7116% | 2,959 |
| Loan loss allowance to noncurrent loans | 46.4867% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 2.9521% | 1,525 |
| Noncurrent loans to loans | 3.6819% | 1,281 |
| Net loans and leases to total assets | 74.6185% | 993 |
| Net loans and leases to deposits | 83.2520% | 1,672 |
| Net loans and leases to core deposits | 85.8793% | 2,117 |
| Total domestic deposits to total assets | 89.6297% | 1,275 |
| Equity capital to assets | 9.4105% | 4,985 |
| Core capital (leverage) ratio | 9.5337% | 4,023 |
| Tier 1 risk-based capital ratio | 10.8802% | 6,454 |
| Total risk-based capital ratio | 12.1424% | 6,422 |
| Memoranda: |
| Average total assets | $119,362,000 | 4,410 |
| Average earning assets | $114,029,000 | 4,283 |
| Average equity | $10,805,500 | 4,808 |
| Average total loans | $87,512,500 | 3,800 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4083% | 744 |
| Cost of funding earning assets | 1.0766% | 996 |
| Net interest margin | 4.3317% | 1,323 |
| Noninterest income to average assets | 2.3314% | 344 |
| Noninterest expense to average assets | 3.4296% | 1,987 |
| Loan and lease loss provision to assets | 0.8867% | 513 |
| Net operating income to assets | 2.1315% | 288 |
| Return on assets (ROA) | 2.1315% | 314 |
| Pretax return on assets | 2.1333% | 465 |
| Return on Equity (ROE) | 23.6243% | 160 |
| Retained earnings to average equity (ytd only) | 14.0328% | 200 |
| Net charge-offs to loans | 1.1741% | 870 |
| Credit loss provision to net charge-offs | 98.8119% | 3,138 |
| Earnings coverage of net charge-offs (x) | 3.3653% | 3,760 |
| Efficiency ratio | 53.1754% | 6,361 |
| Assets per employee ($millions) | 4.8852% | 2,375 |
| Cash dividends to net income (ytd only)* | 40.6003% | 2,823 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4253% | 4,038 |
| Loan loss allowance to noncurrent loans | 40.6260% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 2.8101% | 1,705 |
| Noncurrent loans to loans | 3.5083% | 1,421 |
| Net loans and leases to total assets | 69.8242% | 1,878 |
| Net loans and leases to deposits | 77.0406% | 2,653 |
| Net loans and leases to core deposits | 79.3252% | 3,108 |
| Total domestic deposits to total assets | 90.6330% | 648 |
| Equity capital to assets | 8.7111% | 5,841 |
| Core capital (leverage) ratio | 9.2784% | 4,455 |
| Tier 1 risk-based capital ratio | 10.6409% | 6,501 |
| Total risk-based capital ratio | 11.8795% | 6,466 |
| Memoranda: |
| Average total assets | $112,551,000 | 4,535 |
| Average earning assets | $107,001,400 | 4,416 |
| Average equity | $10,154,800 | 4,949 |
| Average total loans | $86,027,000 | 3,847 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4812% | 713 |
| Cost of funding earning assets | 1.1141% | 1,006 |
| Net interest margin | 4.3671% | 1,301 |
| Noninterest income to average assets | 2.0661% | 403 |
| Noninterest expense to average assets | 3.0925% | 2,913 |
| Loan and lease loss provision to assets | 0.6209% | 863 |
| Net operating income to assets | 2.4970% | 170 |
| Return on assets (ROA) | 2.4970% | 184 |
| Pretax return on assets | 2.4994% | 286 |
| Return on Equity (ROE) | 27.4135% | 105 |
| Retained earnings to average equity (ytd only) | 21.9919% | 63 |
| Net charge-offs to loans | 0.5944% | 1,848 |
| Credit loss provision to net charge-offs | 133.9426% | 2,151 |
| Earnings coverage of net charge-offs (x) | 6.7311% | 2,724 |
| Efficiency ratio | 49.7760% | 6,605 |
| Assets per employee ($millions) | 4.5809% | 2,779 |
| Cash dividends to net income (ytd only)* | 19.7771% | 3,051 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5259% | 3,837 |
| Loan loss allowance to noncurrent loans | 42.3990% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 3.1371% | 1,651 |
| Noncurrent loans to loans | 3.5989% | 1,503 |
| Net loans and leases to total assets | 80.7124% | 452 |
| Net loans and leases to deposits | 91.5304% | 1,017 |
| Net loans and leases to core deposits | 94.5056% | 1,531 |
| Total domestic deposits to total assets | 88.1809% | 1,934 |
| Equity capital to assets | 9.8899% | 4,654 |
| Core capital (leverage) ratio | 9.5614% | 4,176 |
| Tier 1 risk-based capital ratio | 10.7722% | 6,576 |
| Total risk-based capital ratio | 12.0332% | 6,545 |
| Memoranda: |
| Average total assets | $110,156,000 | 4,632 |
| Average earning assets | $104,597,250 | 4,525 |
| Average equity | $10,033,750 | 5,020 |
| Average total loans | $85,906,250 | 3,891 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4949% | 729 |
| Cost of funding earning assets | 1.1097% | 1,181 |
| Net interest margin | 4.3852% | 1,243 |
| Noninterest income to average assets | 2.3424% | 322 |
| Noninterest expense to average assets | 3.1988% | 2,595 |
| Loan and lease loss provision to assets | 0.8219% | 599 |
| Net operating income to assets | 2.4839% | 181 |
| Return on assets (ROA) | 2.4839% | 207 |
| Pretax return on assets | 2.4876% | 306 |
| Return on Equity (ROE) | 28.0705% | 103 |
| Retained earnings to average equity (ytd only) | 19.7047% | 111 |
| Net charge-offs to loans | 0.4307% | 2,317 |
| Credit loss provision to net charge-offs | 248.9011% | 1,161 |
| Earnings coverage of net charge-offs (x) | 10.0220% | 2,107 |
| Efficiency ratio | 49.1497% | 6,697 |
| Assets per employee ($millions) | 4.8887% | 2,307 |
| Cash dividends to net income (ytd only)* | 29.8028% | 2,627 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6659% | 3,373 |
| Loan loss allowance to noncurrent loans | 45.8838% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 3.1323% | 1,741 |
| Noncurrent loans to loans | 3.6308% | 1,576 |
| Net loans and leases to total assets | 79.5838% | 556 |
| Net loans and leases to deposits | 88.9990% | 1,254 |
| Net loans and leases to core deposits | 91.9255% | 1,784 |
| Total domestic deposits to total assets | 89.4210% | 1,258 |
| Equity capital to assets | 9.0457% | 5,655 |
| Core capital (leverage) ratio | 9.1395% | 4,704 |
| Tier 1 risk-based capital ratio | 9.9616% | 6,836 |
| Total risk-based capital ratio | 11.2240% | 6,813 |
| Memoranda: |
| Average total assets | $110,227,670 | 4,662 |
| Average earning assets | $104,716,000 | 4,544 |
| Average equity | $9,754,000 | 5,089 |
| Average total loans | $84,504,670 | 3,953 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1259% | 1,505 |
| Cost of funding earning assets | 1.1086% | 1,355 |
| Net interest margin | 4.0173% | 2,433 |
| Noninterest income to average assets | 3.4897% | 193 |
| Noninterest expense to average assets | 3.4824% | 1,797 |
| Loan and lease loss provision to assets | 1.0740% | 372 |
| Net operating income to assets | 2.7382% | 133 |
| Return on assets (ROA) | 2.7382% | 158 |
| Pretax return on assets | 2.7456% | 240 |
| Return on Equity (ROE) | 31.3027% | 93 |
| Retained earnings to average equity (ytd only) | 29.1656% | 60 |
| Net charge-offs to loans | 0.9451% | 1,096 |
| Credit loss provision to net charge-offs | 152.6042% | 1,643 |
| Earnings coverage of net charge-offs (x) | 5.4271% | 2,372 |
| Efficiency ratio | 47.6908% | 6,826 |
| Assets per employee ($millions) | 4.9889% | 2,270 |
| Cash dividends to net income (ytd only)* | 6.8273% | 2,616 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6899% | 3,382 |
| Loan loss allowance to noncurrent loans | 62.8678% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 2.1493% | 2,731 |
| Noncurrent loans to loans | 2.6880% | 2,425 |
| Net loans and leases to total assets | 71.3437% | 1,510 |
| Net loans and leases to deposits | 79.6217% | 2,258 |
| Net loans and leases to core deposits | 82.2945% | 2,787 |
| Total domestic deposits to total assets | 89.6033% | 1,298 |
| Equity capital to assets | 9.0127% | 5,477 |
| Core capital (leverage) ratio | 9.1606% | 4,588 |
| Tier 1 risk-based capital ratio | 10.6752% | 6,684 |
| Total risk-based capital ratio | 11.8825% | 6,684 |
| Memoranda: |
| Average total assets | $109,121,500 | 4,726 |
| Average earning assets | $103,552,500 | 4,616 |
| Average equity | $9,545,500 | 5,160 |
| Average total loans | $81,257,000 | 4,085 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7627% | 686 |
| Cost of funding earning assets | 1.4197% | 956 |
| Net interest margin | 4.3429% | 1,565 |
| Noninterest income to average assets | 1.7232% | 478 |
| Noninterest expense to average assets | 3.7183% | 1,503 |
| Loan and lease loss provision to assets | 0.3788% | 2,730 |
| Net operating income to assets | 1.5036% | 818 |
| Return on assets (ROA) | 1.5036% | 886 |
| Pretax return on assets | 1.5036% | 1,456 |
| Return on Equity (ROE) | 17.2903% | 447 |
| Retained earnings to average equity (ytd only) | 9.7733% | 609 |
| Net charge-offs to loans | 0.2541% | 4,185 |
| Credit loss provision to net charge-offs | 197.9695% | 1,280 |
| Earnings coverage of net charge-offs (x) | 9.8376% | 1,925 |
| Efficiency ratio | 66.3892% | 4,687 |
| Assets per employee ($millions) | 4.5203% | 2,875 |
| Cash dividends to net income (ytd only)* | 43.4755% | 2,396 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5025% | 4,012 |
| Loan loss allowance to noncurrent loans | 64.4410% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 1.9818% | 2,995 |
| Noncurrent loans to loans | 2.3315% | 2,821 |
| Net loans and leases to total assets | 75.2339% | 1,058 |
| Net loans and leases to deposits | 83.0652% | 2,060 |
| Net loans and leases to core deposits | 85.4936% | 2,703 |
| Total domestic deposits to total assets | 90.5721% | 678 |
| Equity capital to assets | 8.4794% | 6,167 |
| Core capital (leverage) ratio | 8.6253% | 5,350 |
| Tier 1 risk-based capital ratio | 9.1968% | 7,003 |
| Total risk-based capital ratio | 10.4444% | 7,002 |
| Memoranda: |
| Average total assets | $102,950,000 | 4,819 |
| Average earning assets | $91,919,200 | 4,860 |
| Average equity | $8,953,000 | 5,291 |
| Average total loans | $77,532,800 | 4,228 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0032% | 456 |
| Cost of funding earning assets | 1.5008% | 857 |
| Net interest margin | 4.5024% | 1,147 |
| Noninterest income to average assets | 2.1792% | 336 |
| Noninterest expense to average assets | 3.8936% | 1,164 |
| Loan and lease loss provision to assets | 0.4135% | 2,394 |
| Net operating income to assets | 1.8260% | 495 |
| Return on assets (ROA) | 1.8260% | 537 |
| Pretax return on assets | 1.8260% | 909 |
| Return on Equity (ROE) | 20.8583% | 261 |
| Retained earnings to average equity (ytd only) | 12.4610% | 443 |
| Net charge-offs to loans | -0.2537% | 7,286 |
| Credit loss provision to net charge-offs | -217.2414% | 6,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4846% | 5,156 |
| Assets per employee ($millions) | 4.0975% | 3,650 |
| Cash dividends to net income (ytd only)* | 40.2589% | 2,020 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9629% | 2,438 |
| Loan loss allowance to noncurrent loans | 75.7895% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 2.3224% | 2,765 |
| Noncurrent loans to loans | 2.5900% | 2,675 |
| Net loans and leases to total assets | 73.7187% | 1,370 |
| Net loans and leases to deposits | 82.7818% | 2,211 |
| Net loans and leases to core deposits | 85.1508% | 2,891 |
| Total domestic deposits to total assets | 89.0519% | 1,404 |
| Equity capital to assets | 8.9479% | 5,811 |
| Core capital (leverage) ratio | 8.8707% | 5,158 |
| Tier 1 risk-based capital ratio | 8.8593% | 7,127 |
| Total risk-based capital ratio | 10.1214% | 7,128 |
| Memoranda: |
| Average total assets | $101,565,750 | 4,884 |
| Average earning assets | $89,194,250 | 4,983 |
| Average equity | $8,891,500 | 5,340 |
| Average total loans | $76,200,000 | 4,308 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0984% | 385 |
| Cost of funding earning assets | 1.5534% | 831 |
| Net interest margin | 4.5450% | 1,026 |
| Noninterest income to average assets | 2.3520% | 293 |
| Noninterest expense to average assets | 3.6277% | 1,685 |
| Loan and lease loss provision to assets | 0.4740% | 2,091 |
| Net operating income to assets | 2.1348% | 284 |
| Return on assets (ROA) | 2.1348% | 291 |
| Pretax return on assets | 2.1447% | 451 |
| Return on Equity (ROE) | 24.5682% | 150 |
| Retained earnings to average equity (ytd only) | 16.8409% | 170 |
| Net charge-offs to loans | -0.0527% | 7,039 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0778% | 6,150 |
| Assets per employee ($millions) | 4.0332% | 3,688 |
| Cash dividends to net income (ytd only)* | 31.4524% | 2,420 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7497% | 3,152 |
| Loan loss allowance to noncurrent loans | 93.5806% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 1.8923% | 3,376 |
| Noncurrent loans to loans | 1.8697% | 3,654 |
| Net loans and leases to total assets | 73.0648% | 1,583 |
| Net loans and leases to deposits | 81.9880% | 2,461 |
| Net loans and leases to core deposits | 84.6007% | 3,123 |
| Total domestic deposits to total assets | 89.1164% | 1,471 |
| Equity capital to assets | 9.0002% | 5,581 |
| Core capital (leverage) ratio | 9.0327% | 4,665 |
| Tier 1 risk-based capital ratio | 10.3395% | 6,850 |
| Total risk-based capital ratio | 11.6037% | 6,840 |
| Memoranda: |
| Average total assets | $101,275,000 | 4,923 |
| Average earning assets | $86,777,000 | 5,106 |
| Average equity | $8,800,000 | 5,381 |
| Average total loans | $75,924,000 | 4,349 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9205% | 570 |
| Cost of funding earning assets | 1.6357% | 712 |
| Net interest margin | 4.2848% | 1,602 |
| Noninterest income to average assets | 3.6178% | 181 |
| Noninterest expense to average assets | 3.7361% | 1,468 |
| Loan and lease loss provision to assets | 0.4532% | 1,945 |
| Net operating income to assets | 2.9991% | 109 |
| Return on assets (ROA) | 2.9991% | 112 |
| Pretax return on assets | 3.0109% | 146 |
| Return on Equity (ROE) | 35.1400% | 56 |
| Retained earnings to average equity (ytd only) | 35.1400% | 43 |
| Net charge-offs to loans | 0.3089% | 2,809 |
| Credit loss provision to net charge-offs | 194.9153% | 1,520 |
| Earnings coverage of net charge-offs (x) | 14.8983% | 1,344 |
| Efficiency ratio | 51.8883% | 6,864 |
| Assets per employee ($millions) | 3.8571% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4956% | 4,235 |
| Loan loss allowance to noncurrent loans | 74.5124% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 2.3811% | 2,866 |
| Noncurrent loans to loans | 2.0071% | 3,567 |
| Net loans and leases to total assets | 75.6813% | 1,073 |
| Net loans and leases to deposits | 85.1582% | 1,856 |
| Net loans and leases to core deposits | 85.9586% | 2,879 |
| Total domestic deposits to total assets | 88.8715% | 1,857 |
| Equity capital to assets | 9.3884% | 4,598 |
| Core capital (leverage) ratio | 8.6396% | 5,191 |
| Tier 1 risk-based capital ratio | 10.5196% | 6,793 |
| Total risk-based capital ratio | 11.7807% | 6,778 |
| Memoranda: |
| Average total assets | $101,497,000 | 4,960 |
| Average earning assets | $84,857,500 | 5,195 |
| Average equity | $8,662,500 | 5,418 |
| Average total loans | $76,394,000 | 4,376 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6828% | 238 |
| Cost of funding earning assets | 1.7237% | 1,494 |
| Net interest margin | 4.9591% | 475 |
| Noninterest income to average assets | 1.9628% | 409 |
| Noninterest expense to average assets | 4.4906% | 658 |
| Loan and lease loss provision to assets | 0.3239% | 4,220 |
| Net operating income to assets | 1.2982% | 1,178 |
| Return on assets (ROA) | 1.2982% | 1,233 |
| Pretax return on assets | 1.3008% | 1,921 |
| Return on Equity (ROE) | 13.8028% | 925 |
| Retained earnings to average equity (ytd only) | 4.8489% | 2,510 |
| Net charge-offs to loans | -0.0035% | 7,249 |
| Credit loss provision to net charge-offs | -12,500.0000% | 7,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4322% | 3,501 |
| Assets per employee ($millions) | 4.0987% | 3,581 |
| Cash dividends to net income (ytd only)* | 64.8703% | 1,430 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3380% | 4,808 |
| Loan loss allowance to noncurrent loans | 115.5873% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 1.6609% | 3,813 |
| Noncurrent loans to loans | 1.1575% | 4,790 |
| Net loans and leases to total assets | 72.8647% | 1,910 |
| Net loans and leases to deposits | 80.2773% | 3,121 |
| Net loans and leases to core deposits | 82.9176% | 3,759 |
| Total domestic deposits to total assets | 90.7663% | 709 |
| Equity capital to assets | 7.7623% | 6,701 |
| Core capital (leverage) ratio | 8.9591% | 4,607 |
| Tier 1 risk-based capital ratio | 8.9830% | 7,251 |
| Total risk-based capital ratio | 10.1253% | 7,275 |
| Memoranda: |
| Average total assets | $77,183,800 | 5,674 |
| Average earning assets | $64,628,400 | 5,840 |
| Average equity | $7,259,400 | 5,943 |
| Average total loans | $57,098,200 | 5,195 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6531% | 261 |
| Cost of funding earning assets | 1.7850% | 1,483 |
| Net interest margin | 4.8681% | 587 |
| Noninterest income to average assets | 2.5086% | 276 |
| Noninterest expense to average assets | 4.6774% | 502 |
| Loan and lease loss provision to assets | 0.3341% | 3,929 |
| Net operating income to assets | 1.6762% | 651 |
| Return on assets (ROA) | 1.6762% | 704 |
| Pretax return on assets | 1.6781% | 1,159 |
| Return on Equity (ROE) | 16.7085% | 624 |
| Retained earnings to average equity (ytd only) | 4.3388% | 3,441 |
| Net charge-offs to loans | -0.0232% | 7,372 |
| Credit loss provision to net charge-offs | -1,944.4444% | 7,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9201% | 4,085 |
| Assets per employee ($millions) | 3.5189% | 4,934 |
| Cash dividends to net income (ytd only)* | 74.0322% | 802 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6048% | 3,509 |
| Loan loss allowance to noncurrent loans | 65.7754% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 3.8554% | 1,834 |
| Noncurrent loans to loans | 2.4399% | 3,187 |
| Net loans and leases to total assets | 71.4365% | 2,372 |
| Net loans and leases to deposits | 80.3492% | 3,386 |
| Net loans and leases to core deposits | 81.9793% | 4,251 |
| Total domestic deposits to total assets | 88.9076% | 1,445 |
| Equity capital to assets | 8.5325% | 6,242 |
| Core capital (leverage) ratio | 8.5751% | 5,380 |
| Tier 1 risk-based capital ratio | 9.2667% | 7,309 |
| Total risk-based capital ratio | 10.5012% | 7,326 |
| Memoranda: |
| Average total assets | $69,838,250 | 5,948 |
| Average earning assets | $59,980,500 | 6,064 |
| Average equity | $7,006,250 | 6,112 |
| Average total loans | $51,697,250 | 5,493 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7281% | 233 |
| Cost of funding earning assets | 1.7516% | 1,856 |
| Net interest margin | 4.9765% | 444 |
| Noninterest income to average assets | 2.9123% | 224 |
| Noninterest expense to average assets | 4.5193% | 562 |
| Loan and lease loss provision to assets | 0.3079% | 3,922 |
| Net operating income to assets | 2.3766% | 168 |
| Return on assets (ROA) | 2.3766% | 181 |
| Pretax return on assets | 2.3797% | 290 |
| Return on Equity (ROE) | 22.2489% | 198 |
| Retained earnings to average equity (ytd only) | 3.5160% | 3,872 |
| Net charge-offs to loans | 0.0041% | 6,315 |
| Credit loss provision to net charge-offs | 10,000.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 873.0000% | 31 |
| Efficiency ratio | 62.7082% | 5,573 |
| Assets per employee ($millions) | 3.9910% | 3,789 |
| Cash dividends to net income (ytd only)* | 84.1969% | 680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5391% | 3,718 |
| Loan loss allowance to noncurrent loans | 85.2133% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 3.7322% | 1,872 |
| Noncurrent loans to loans | 1.8061% | 3,996 |
| Net loans and leases to total assets | 68.6214% | 3,215 |
| Net loans and leases to deposits | 77.1914% | 4,129 |
| Net loans and leases to core deposits | 77.7339% | 4,998 |
| Total domestic deposits to total assets | 88.8978% | 1,497 |
| Equity capital to assets | 8.4749% | 6,192 |
| Core capital (leverage) ratio | 8.3090% | 5,750 |
| Tier 1 risk-based capital ratio | 9.2242% | 7,366 |
| Total risk-based capital ratio | 10.4003% | 7,383 |
| Memoranda: |
| Average total assets | $64,966,330 | 6,141 |
| Average earning assets | $56,063,000 | 6,241 |
| Average equity | $6,939,670 | 6,159 |
| Average total loans | $48,491,330 | 5,665 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9179% | 193 |
| Cost of funding earning assets | 1.8011% | 1,869 |
| Net interest margin | 5.1168% | 336 |
| Noninterest income to average assets | 3.6872% | 178 |
| Noninterest expense to average assets | 4.9043% | 394 |
| Loan and lease loss provision to assets | 0.3241% | 3,469 |
| Net operating income to assets | 2.9526% | 97 |
| Return on assets (ROA) | 2.9526% | 103 |
| Pretax return on assets | 2.9598% | 143 |
| Return on Equity (ROE) | 23.9137% | 191 |
| Retained earnings to average equity (ytd only) | -13.9983% | 7,174 |
| Net charge-offs to loans | 0.0092% | 5,467 |
| Credit loss provision to net charge-offs | 4,500.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 456.0000% | 61 |
| Efficiency ratio | 59.8945% | 6,194 |
| Assets per employee ($millions) | 3.0173% | 6,174 |
| Cash dividends to net income (ytd only)* | 158.5366% | 286 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9602% | 2,285 |
| Loan loss allowance to noncurrent loans | 171.5447% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.9059% | 5,343 |
| Noncurrent loans to loans | 1.1427% | 5,088 |
| Net loans and leases to total assets | 77.7227% | 1,203 |
| Net loans and leases to deposits | 92.3717% | 1,558 |
| Net loans and leases to core deposits | 93.3935% | 2,916 |
| Total domestic deposits to total assets | 84.1413% | 4,082 |
| Equity capital to assets | 12.3990% | 1,813 |
| Core capital (leverage) ratio | 11.8829% | 1,704 |
| Tier 1 risk-based capital ratio | 12.4294% | 4,814 |
| Total risk-based capital ratio | 13.7004% | 4,742 |
| Memoranda: |
| Average total assets | $55,543,500 | 6,547 |
| Average earning assets | $48,859,000 | 6,597 |
| Average equity | $6,858,000 | 6,239 |
| Average total loans | $43,531,000 | 5,960 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4385% | 758 |
| Cost of funding earning assets | 2.0844% | 2,545 |
| Net interest margin | 4.3542% | 1,557 |
| Noninterest income to average assets | 2.9882% | 228 |
| Noninterest expense to average assets | 5.0248% | 510 |
| Loan and lease loss provision to assets | 0.1689% | 5,999 |
| Net operating income to assets | 1.6274% | 512 |
| Return on assets (ROA) | 1.6274% | 542 |
| Pretax return on assets | 1.6293% | 903 |
| Return on Equity (ROE) | 12.8918% | 984 |
| Retained earnings to average equity (ytd only) | -1.5613% | 5,404 |
| Net charge-offs to loans | 0.7629% | 2,917 |
| Credit loss provision to net charge-offs | 29.7030% | 6,899 |
| Earnings coverage of net charge-offs (x) | 3.1617% | 3,479 |
| Efficiency ratio | 73.6451% | 3,969 |
| Assets per employee ($millions) | 3.3398% | 5,403 |
| Cash dividends to net income (ytd only)* | 112.1107% | 475 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8179% | 2,488 |
| Loan loss allowance to noncurrent loans | 1,702.1277% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 7,292 |
| Noncurrent loans to loans | 0.1068% | 7,146 |
| Net loans and leases to total assets | 76.0991% | 1,769 |
| Net loans and leases to deposits | 89.6911% | 2,263 |
| Net loans and leases to core deposits | 99.4156% | 4,057 |
| Total domestic deposits to total assets | 84.8457% | 3,621 |
| Equity capital to assets | 12.2974% | 1,854 |
| Core capital (leverage) ratio | 12.3064% | 1,525 |
| Tier 1 risk-based capital ratio | 12.1483% | 4,818 |
| Total risk-based capital ratio | 13.4159% | 4,767 |
| Memoranda: |
| Average total assets | $53,275,400 | 6,587 |
| Average earning assets | $46,920,600 | 6,639 |
| Average equity | $6,725,200 | 6,358 |
| Average total loans | $39,719,400 | 6,125 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3428% | 1,043 |
| Cost of funding earning assets | 2.0989% | 2,898 |
| Net interest margin | 4.2439% | 1,890 |
| Noninterest income to average assets | 3.0737% | 219 |
| Noninterest expense to average assets | 4.9032% | 521 |
| Loan and lease loss provision to assets | 0.1730% | 5,630 |
| Net operating income to assets | 1.7379% | 525 |
| Return on assets (ROA) | 1.7379% | 550 |
| Pretax return on assets | 1.7379% | 902 |
| Return on Equity (ROE) | 13.6712% | 985 |
| Retained earnings to average equity (ytd only) | -5.7847% | 6,362 |
| Net charge-offs to loans | 0.5106% | 3,178 |
| Credit loss provision to net charge-offs | 45.9459% | 6,365 |
| Earnings coverage of net charge-offs (x) | 5.0743% | 2,933 |
| Efficiency ratio | 71.9567% | 4,250 |
| Assets per employee ($millions) | 3.1952% | 5,661 |
| Cash dividends to net income (ytd only)* | 142.3142% | 300 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3473% | 1,239 |
| Loan loss allowance to noncurrent loans | 127.4966% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 1.3458% | 4,399 |
| Noncurrent loans to loans | 1.8410% | 3,853 |
| Net loans and leases to total assets | 71.3820% | 3,183 |
| Net loans and leases to deposits | 85.4768% | 3,420 |
| Net loans and leases to core deposits | 93.0077% | 5,137 |
| Total domestic deposits to total assets | 83.5104% | 3,956 |
| Equity capital to assets | 12.5389% | 1,925 |
| Core capital (leverage) ratio | 12.7628% | 1,461 |
| Tier 1 risk-based capital ratio | 12.1524% | 4,835 |
| Total risk-based capital ratio | 13.4246% | 4,765 |
| Memoranda: |
| Average total assets | $52,400,250 | 6,663 |
| Average earning assets | $46,182,250 | 6,727 |
| Average equity | $6,661,000 | 6,429 |
| Average total loans | $38,647,750 | 6,218 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1953% | 1,473 |
| Cost of funding earning assets | 2.0882% | 3,325 |
| Net interest margin | 4.1071% | 2,298 |
| Noninterest income to average assets | 2.6545% | 245 |
| Noninterest expense to average assets | 5.0695% | 491 |
| Loan and lease loss provision to assets | 0.1739% | 5,314 |
| Net operating income to assets | 1.0742% | 1,856 |
| Return on assets (ROA) | 1.0742% | 1,934 |
| Pretax return on assets | 1.0742% | 2,719 |
| Return on Equity (ROE) | 8.4102% | 2,603 |
| Retained earnings to average equity (ytd only) | -20.9953% | 7,481 |
| Net charge-offs to loans | -0.0104% | 7,612 |
| Credit loss provision to net charge-offs | -2,250.0000% | 7,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2446% | 3,006 |
| Assets per employee ($millions) | 3.9258% | 3,826 |
| Cash dividends to net income (ytd only)* | 349.6403% | 112 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7768% | 694 |
| Loan loss allowance to noncurrent loans | 122.5694% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 1.6930% | 3,640 |
| Noncurrent loans to loans | 2.2655% | 3,169 |
| Net loans and leases to total assets | 72.6521% | 3,052 |
| Net loans and leases to deposits | 87.4337% | 3,276 |
| Net loans and leases to core deposits | 93.8707% | 5,130 |
| Total domestic deposits to total assets | 83.0940% | 4,194 |
| Equity capital to assets | 12.5483% | 1,900 |
| Core capital (leverage) ratio | 12.6976% | 1,538 |
| Tier 1 risk-based capital ratio | 12.2575% | 4,713 |
| Total risk-based capital ratio | 13.5359% | 4,601 |
| Memoranda: |
| Average total assets | $51,760,670 | 6,762 |
| Average earning assets | $46,164,330 | 6,793 |
| Average equity | $6,611,000 | 6,497 |
| Average total loans | $38,295,000 | 6,281 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1500% | 1,761 |
| Cost of funding earning assets | 2.1391% | 3,469 |
| Net interest margin | 4.0109% | 2,600 |
| Noninterest income to average assets | 3.1310% | 203 |
| Noninterest expense to average assets | 4.9037% | 518 |
| Loan and lease loss provision to assets | 0.1765% | 4,696 |
| Net operating income to assets | 1.6192% | 761 |
| Return on assets (ROA) | 1.6192% | 837 |
| Pretax return on assets | 1.6192% | 1,363 |
| Return on Equity (ROE) | 12.5698% | 1,493 |
| Retained earnings to average equity (ytd only) | -45.3347% | 8,009 |
| Net charge-offs to loans | -0.0104% | 7,282 |
| Credit loss provision to net charge-offs | -2,300.0000% | 6,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1959% | 3,975 |
| Assets per employee ($millions) | 3.2893% | 5,344 |
| Cash dividends to net income (ytd only)* | 460.6635% | 82 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8869% | 538 |
| Loan loss allowance to noncurrent loans | 327.8481% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.6405% | 5,570 |
| Noncurrent loans to loans | 0.8806% | 5,251 |
| Net loans and leases to total assets | 70.6338% | 3,545 |
| Net loans and leases to deposits | 85.0353% | 3,814 |
| Net loans and leases to core deposits | 91.5275% | 5,398 |
| Total domestic deposits to total assets | 83.0641% | 4,114 |
| Equity capital to assets | 12.8215% | 1,825 |
| Core capital (leverage) ratio | 12.5332% | 1,672 |
| Tier 1 risk-based capital ratio | 12.6178% | 4,458 |
| Total risk-based capital ratio | 13.8963% | 4,356 |
| Memoranda: |
| Average total assets | $52,123,500 | 6,775 |
| Average earning assets | $46,374,000 | 6,822 |
| Average equity | $6,714,500 | 6,513 |
| Average total loans | $38,374,000 | 6,310 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0251% | 1,064 |
| Cost of funding earning assets | 2.7430% | 2,959 |
| Net interest margin | 4.2821% | 2,039 |
| Noninterest income to average assets | 4.0121% | 149 |
| Noninterest expense to average assets | 5.0316% | 613 |
| Loan and lease loss provision to assets | 0.1748% | 5,152 |
| Net operating income to assets | 2.5265% | 121 |
| Return on assets (ROA) | 2.5265% | 119 |
| Pretax return on assets | 2.5284% | 183 |
| Return on Equity (ROE) | 19.3913% | 426 |
| Retained earnings to average equity (ytd only) | 4.1883% | 2,516 |
| Net charge-offs to loans | 0.0026% | 6,978 |
| Credit loss provision to net charge-offs | 9,000.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 1,392.0000% | 30 |
| Efficiency ratio | 65.0515% | 5,313 |
| Assets per employee ($millions) | 3.2299% | 5,398 |
| Cash dividends to net income (ytd only)* | 78.4012% | 1,791 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4766% | 698 |
| Loan loss allowance to noncurrent loans | 326.4516% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.5646% | 5,491 |
| Noncurrent loans to loans | 0.7587% | 5,139 |
| Net loans and leases to total assets | 72.5759% | 3,471 |
| Net loans and leases to deposits | 86.5759% | 4,021 |
| Net loans and leases to core deposits | 91.9644% | 5,641 |
| Total domestic deposits to total assets | 83.8293% | 3,411 |
| Equity capital to assets | 12.9362% | 1,814 |
| Core capital (leverage) ratio | 13.7010% | 1,332 |
| Tier 1 risk-based capital ratio | 12.7912% | 4,229 |
| Total risk-based capital ratio | 14.0662% | 4,137 |
| Memoranda: |
| Average total assets | $51,494,200 | 6,711 |
| Average earning assets | $44,768,000 | 6,824 |
| Average equity | $6,709,200 | 6,563 |
| Average total loans | $37,929,600 | 6,274 |
