| 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 | 5.3185% | 1,462 |
| Cost of funding earning assets | 1.9079% | 1,056 |
| Net interest margin | 3.4105% | 2,386 |
| Noninterest income to average assets | 0.8600% | 824 |
| Noninterest expense to average assets | 3.4296% | 632 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.5485% | 3,572 |
| Return on assets (ROA) | 0.1713% | 4,212 |
| Pretax return on assets | 0.1713% | 4,221 |
| Return on Equity (ROE) | 1.7500% | 4,178 |
| Retained earnings to average equity (ytd only) | -0.9657% | 4,180 |
| Net charge-offs to loans | 0.0970% | 926 |
| Credit loss provision to net charge-offs | 59.2593% | 2,153 |
| Earnings coverage of net charge-offs (x) | 8.2130% | 2,358 |
| Efficiency ratio | 85.2975% | 596 |
| Assets per employee ($millions) | 5.8651% | 2,935 |
| Cash dividends to net income (ytd only)* | 155.2529% | 99 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7277% | 4,081 |
| Loan loss allowance to noncurrent loans | 11.6302% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 4.8320% | 27 |
| Noncurrent loans to loans | 6.2568% | 29 |
| Net loans and leases to total assets | 76.6700% | 1,022 |
| Net loans and leases to deposits | 86.7330% | 1,558 |
| Net loans and leases to core deposits | 126.5602% | 470 |
| Total domestic deposits to total assets | 88.3900% | 1,234 |
| Equity capital to assets | 10.4087% | 1,776 |
| Core capital (leverage) ratio | 10.1947% | 2,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $150,045,200 | 3,360 |
| Average earning assets | $138,893,200 | 3,358 |
| Average equity | $14,705,000 | 3,294 |
| Average total loans | $111,371,200 | 3,038 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3801% | 1,162 |
| Cost of funding earning assets | 1.7333% | 1,125 |
| Net interest margin | 3.6468% | 1,893 |
| Noninterest income to average assets | 0.9200% | 732 |
| Noninterest expense to average assets | 3.3823% | 643 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.8977% | 2,687 |
| Return on assets (ROA) | 0.8977% | 2,673 |
| Pretax return on assets | 0.8977% | 3,106 |
| Return on Equity (ROE) | 9.3000% | 2,851 |
| Retained earnings to average equity (ytd only) | 5.9224% | 2,657 |
| Net charge-offs to loans | 0.1178% | 682 |
| Credit loss provision to net charge-offs | 20.4082% | 2,011 |
| Earnings coverage of net charge-offs (x) | 10.5714% | 2,118 |
| Efficiency ratio | 78.7007% | 955 |
| Assets per employee ($millions) | 6.0242% | 2,735 |
| Cash dividends to net income (ytd only)* | 36.3189% | 1,811 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7088% | 4,124 |
| Loan loss allowance to noncurrent loans | 29.7440% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.7636% | 179 |
| Noncurrent loans to loans | 2.3829% | 209 |
| Net loans and leases to total assets | 73.4900% | 1,407 |
| Net loans and leases to deposits | 84.9547% | 1,654 |
| Net loans and leases to core deposits | 114.5956% | 708 |
| Total domestic deposits to total assets | 86.5000% | 2,038 |
| Equity capital to assets | 10.0734% | 1,790 |
| Core capital (leverage) ratio | 10.5829% | 2,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $150,899,750 | 3,358 |
| Average earning assets | $139,844,250 | 3,359 |
| Average equity | $14,565,750 | 3,301 |
| Average total loans | $110,905,000 | 3,044 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2530% | 1,144 |
| Cost of funding earning assets | 1.6250% | 1,007 |
| Net interest margin | 3.6280% | 1,974 |
| Noninterest income to average assets | 1.0000% | 566 |
| Noninterest expense to average assets | 3.4477% | 574 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9219% | 2,682 |
| Return on assets (ROA) | 0.9219% | 2,666 |
| Pretax return on assets | 0.9219% | 3,119 |
| Return on Equity (ROE) | 9.6900% | 2,796 |
| Retained earnings to average equity (ytd only) | 6.0847% | 2,591 |
| Net charge-offs to loans | 0.0795% | 788 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 15.8182% | 1,842 |
| Efficiency ratio | 78.9027% | 926 |
| Assets per employee ($millions) | 5.5271% | 3,124 |
| Cash dividends to net income (ytd only)* | 37.2126% | 1,810 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7840% | 4,053 |
| Loan loss allowance to noncurrent loans | 53.9318% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 1.0226% | 448 |
| Noncurrent loans to loans | 1.4536% | 468 |
| Net loans and leases to total assets | 69.8000% | 1,767 |
| Net loans and leases to deposits | 78.7010% | 2,067 |
| Net loans and leases to core deposits | 93.9045% | 1,573 |
| Total domestic deposits to total assets | 88.6800% | 1,354 |
| Equity capital to assets | 10.1474% | 1,772 |
| Core capital (leverage) ratio | 10.2815% | 2,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $150,998,000 | 3,368 |
| Average earning assets | $140,185,667 | 3,365 |
| Average equity | $14,364,000 | 3,322 |
| Average total loans | $110,719,000 | 3,050 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9727% | 1,282 |
| Cost of funding earning assets | 1.4661% | 908 |
| Net interest margin | 3.5067% | 2,346 |
| Noninterest income to average assets | 0.7100% | 1,070 |
| Noninterest expense to average assets | 3.1946% | 805 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7796% | 3,257 |
| Return on assets (ROA) | 0.7796% | 3,215 |
| Pretax return on assets | 0.7796% | 3,511 |
| Return on Equity (ROE) | 8.4700% | 3,184 |
| Retained earnings to average equity (ytd only) | 4.3222% | 3,178 |
| Net charge-offs to loans | 0.0563% | 810 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,485 |
| Efficiency ratio | 80.3844% | 797 |
| Assets per employee ($millions) | 6.8305% | 2,091 |
| Cash dividends to net income (ytd only)* | 48.9865% | 1,218 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7675% | 4,144 |
| Loan loss allowance to noncurrent loans | 54.4814% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.0395% | 391 |
| Noncurrent loans to loans | 1.4088% | 470 |
| Net loans and leases to total assets | 73.2200% | 1,296 |
| Net loans and leases to deposits | 84.9000% | 1,434 |
| Net loans and leases to core deposits | 97.1515% | 1,224 |
| Total domestic deposits to total assets | 86.2400% | 2,526 |
| Equity capital to assets | 10.0492% | 1,796 |
| Core capital (leverage) ratio | 10.2727% | 2,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $151,881,500 | 3,406 |
| Average earning assets | $141,330,500 | 3,397 |
| Average equity | $13,974,500 | 3,389 |
| Average total loans | $113,589,000 | 3,053 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0083% | 1,692 |
| Cost of funding earning assets | 0.5591% | 1,068 |
| Net interest margin | 3.4492% | 2,098 |
| Noninterest income to average assets | 1.1500% | 508 |
| Noninterest expense to average assets | 3.2643% | 662 |
| Loan and lease loss provision to assets | -0.3100% | 4,669 |
| Net operating income to assets | 1.3761% | 1,190 |
| Return on assets (ROA) | 1.3761% | 1,147 |
| Pretax return on assets | 1.3761% | 1,841 |
| Return on Equity (ROE) | 14.6800% | 1,347 |
| Retained earnings to average equity (ytd only) | 11.7928% | 714 |
| Net charge-offs to loans | -0.0175% | 4,020 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.3683% | 1,080 |
| Assets per employee ($millions) | 6.9770% | 1,990 |
| Cash dividends to net income (ytd only)* | 19.6945% | 2,911 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7463% | 4,142 |
| Loan loss allowance to noncurrent loans | 51.6667% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.0945% | 386 |
| Noncurrent loans to loans | 1.4445% | 461 |
| Net loans and leases to total assets | 75.2000% | 1,106 |
| Net loans and leases to deposits | 82.9760% | 1,541 |
| Net loans and leases to core deposits | 100.6838% | 966 |
| Total domestic deposits to total assets | 90.6300% | 1,096 |
| Equity capital to assets | 8.3704% | 2,795 |
| Core capital (leverage) ratio | 8.5913% | 4,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $133,198,600 | 3,604 |
| Average earning assets | $122,868,800 | 3,586 |
| Average equity | $12,482,200 | 3,621 |
| Average total loans | $96,900,600 | 3,198 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8828% | 1,526 |
| Cost of funding earning assets | 0.4535% | 965 |
| Net interest margin | 3.4293% | 1,867 |
| Noninterest income to average assets | 1.3800% | 392 |
| Noninterest expense to average assets | 3.4788% | 496 |
| Loan and lease loss provision to assets | -0.2700% | 4,696 |
| Net operating income to assets | 1.3247% | 1,280 |
| Return on assets (ROA) | 1.3247% | 1,253 |
| Pretax return on assets | 1.3247% | 1,966 |
| Return on Equity (ROE) | 13.7000% | 1,508 |
| Retained earnings to average equity (ytd only) | 9.8135% | 1,400 |
| Net charge-offs to loans | -0.0145% | 3,864 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.7800% | 1,015 |
| Assets per employee ($millions) | 6.1741% | 2,599 |
| Cash dividends to net income (ytd only)* | 28.3582% | 2,105 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0721% | 3,138 |
| Loan loss allowance to noncurrent loans | 59.8934% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.3019% | 287 |
| Noncurrent loans to loans | 1.7901% | 359 |
| Net loans and leases to total assets | 71.9500% | 1,304 |
| Net loans and leases to deposits | 80.7185% | 1,542 |
| Net loans and leases to core deposits | 92.0863% | 1,173 |
| Total domestic deposits to total assets | 89.1400% | 2,032 |
| Equity capital to assets | 9.3902% | 1,957 |
| Core capital (leverage) ratio | 9.7474% | 2,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $128,125,000 | 3,677 |
| Average earning assets | $117,883,750 | 3,671 |
| Average equity | $12,390,750 | 3,669 |
| Average total loans | $92,050,750 | 3,268 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6352% | 1,731 |
| Cost of funding earning assets | 0.4054% | 886 |
| Net interest margin | 3.2298% | 2,107 |
| Noninterest income to average assets | 1.2757% | 438 |
| Noninterest expense to average assets | 3.5560% | 416 |
| Loan and lease loss provision to assets | -0.4106% | 4,743 |
| Net operating income to assets | 1.1018% | 1,765 |
| Return on assets (ROA) | 1.1018% | 1,740 |
| Pretax return on assets | 1.1018% | 2,408 |
| Return on Equity (ROE) | 11.2817% | 1,895 |
| Retained earnings to average equity (ytd only) | 9.0189% | 1,282 |
| Net charge-offs to loans | -0.0131% | 3,699 |
| Credit loss provision to net charge-offs | 4,366.6667% | 125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7269% | 695 |
| Assets per employee ($millions) | 5.9571% | 2,781 |
| Cash dividends to net income (ytd only)* | 20.0569% | 2,462 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1054% | 3,143 |
| Loan loss allowance to noncurrent loans | 59.2702% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.3581% | 283 |
| Noncurrent loans to loans | 1.8651% | 359 |
| Net loans and leases to total assets | 72.0128% | 1,097 |
| Net loans and leases to deposits | 81.2013% | 1,301 |
| Net loans and leases to core deposits | 92.9288% | 977 |
| Total domestic deposits to total assets | 88.6843% | 2,303 |
| Equity capital to assets | 9.7762% | 1,833 |
| Core capital (leverage) ratio | 10.0808% | 2,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $127,614,667 | 3,720 |
| Average earning assets | $117,407,667 | 3,732 |
| Average equity | $12,462,667 | 3,738 |
| Average total loans | $91,301,333 | 3,308 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5200% | 1,740 |
| Cost of funding earning assets | 0.4001% | 869 |
| Net interest margin | 3.1199% | 2,109 |
| Noninterest income to average assets | 1.3967% | 387 |
| Noninterest expense to average assets | 3.4856% | 423 |
| Loan and lease loss provision to assets | -0.4097% | 4,744 |
| Net operating income to assets | 1.2012% | 1,244 |
| Return on assets (ROA) | 1.2012% | 1,235 |
| Pretax return on assets | 1.2012% | 1,813 |
| Return on Equity (ROE) | 12.3062% | 1,224 |
| Retained earnings to average equity (ytd only) | 8.6175% | 1,393 |
| Net charge-offs to loans | -0.0088% | 3,531 |
| Credit loss provision to net charge-offs | 6,600.0000% | 69 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4949% | 1,026 |
| Assets per employee ($millions) | 5.8431% | 2,955 |
| Cash dividends to net income (ytd only)* | 29.9742% | 1,755 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2839% | 2,437 |
| Loan loss allowance to noncurrent loans | 69.1697% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.3349% | 296 |
| Noncurrent loans to loans | 1.8561% | 408 |
| Net loans and leases to total assets | 70.9949% | 924 |
| Net loans and leases to deposits | 80.4579% | 1,109 |
| Net loans and leases to core deposits | 92.7584% | 786 |
| Total domestic deposits to total assets | 88.2386% | 2,418 |
| Equity capital to assets | 10.1649% | 1,781 |
| Core capital (leverage) ratio | 9.8105% | 2,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $128,872,000 | 3,725 |
| Average earning assets | $118,976,500 | 3,728 |
| Average equity | $12,579,000 | 3,801 |
| Average total loans | $91,404,500 | 3,309 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5382% | 2,547 |
| Cost of funding earning assets | 0.5536% | 698 |
| Net interest margin | 2.9846% | 3,241 |
| Noninterest income to average assets | 1.4239% | 553 |
| Noninterest expense to average assets | 2.7054% | 1,621 |
| Loan and lease loss provision to assets | 0.0886% | 1,399 |
| Net operating income to assets | 1.3760% | 1,355 |
| Return on assets (ROA) | 1.3760% | 1,408 |
| Pretax return on assets | 1.3760% | 2,120 |
| Return on Equity (ROE) | 15.2153% | 905 |
| Retained earnings to average equity (ytd only) | 12.2523% | 507 |
| Net charge-offs to loans | 0.0669% | 1,124 |
| Credit loss provision to net charge-offs | 184.6154% | 1,349 |
| Earnings coverage of net charge-offs (x) | 30.5231% | 1,592 |
| Efficiency ratio | 64.8787% | 2,423 |
| Assets per employee ($millions) | 6.4304% | 2,386 |
| Cash dividends to net income (ytd only)* | 19.4742% | 3,038 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3356% | 2,204 |
| Loan loss allowance to noncurrent loans | 62.4629% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.5344% | 264 |
| Noncurrent loans to loans | 2.1383% | 349 |
| Net loans and leases to total assets | 69.0902% | 1,139 |
| Net loans and leases to deposits | 77.3199% | 1,465 |
| Net loans and leases to core deposits | 87.7545% | 1,089 |
| Total domestic deposits to total assets | 89.3563% | 1,321 |
| Equity capital to assets | 9.3937% | 3,232 |
| Core capital (leverage) ratio | 8.9674% | 3,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $135,469,800 | 3,624 |
| Average earning assets | $124,641,200 | 3,633 |
| Average equity | $12,250,800 | 3,909 |
| Average total loans | $97,178,600 | 3,233 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5559% | 2,678 |
| Cost of funding earning assets | 0.5855% | 684 |
| Net interest margin | 2.9704% | 3,385 |
| Noninterest income to average assets | 1.5922% | 495 |
| Noninterest expense to average assets | 2.7083% | 1,570 |
| Loan and lease loss provision to assets | 0.0885% | 1,349 |
| Net operating income to assets | 1.5243% | 1,212 |
| Return on assets (ROA) | 1.5243% | 1,254 |
| Pretax return on assets | 1.5243% | 1,925 |
| Return on Equity (ROE) | 17.0200% | 761 |
| Retained earnings to average equity (ytd only) | 13.0341% | 634 |
| Net charge-offs to loans | 0.0940% | 772 |
| Credit loss provision to net charge-offs | 130.4348% | 1,415 |
| Earnings coverage of net charge-offs (x) | 23.7681% | 1,659 |
| Efficiency ratio | 62.6764% | 2,583 |
| Assets per employee ($millions) | 7.0943% | 1,802 |
| Cash dividends to net income (ytd only)* | 23.4194% | 2,394 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3189% | 2,402 |
| Loan loss allowance to noncurrent loans | 56.2729% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 1.6574% | 279 |
| Noncurrent loans to loans | 2.3437% | 340 |
| Net loans and leases to total assets | 68.2212% | 1,295 |
| Net loans and leases to deposits | 76.4446% | 1,630 |
| Net loans and leases to core deposits | 89.4261% | 1,064 |
| Total domestic deposits to total assets | 89.2426% | 1,154 |
| Equity capital to assets | 9.2899% | 3,566 |
| Core capital (leverage) ratio | 8.8574% | 3,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $135,577,750 | 3,662 |
| Average earning assets | $124,559,000 | 3,672 |
| Average equity | $12,142,250 | 3,970 |
| Average total loans | $97,833,000 | 3,271 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6595% | 2,443 |
| Cost of funding earning assets | 0.6123% | 703 |
| Net interest margin | 3.0472% | 3,186 |
| Noninterest income to average assets | 1.9037% | 359 |
| Noninterest expense to average assets | 2.6237% | 1,798 |
| Loan and lease loss provision to assets | 0.0883% | 1,400 |
| Net operating income to assets | 1.9906% | 494 |
| Return on assets (ROA) | 1.9906% | 522 |
| Pretax return on assets | 1.9906% | 854 |
| Return on Equity (ROE) | 22.5040% | 289 |
| Retained earnings to average equity (ytd only) | 17.9266% | 227 |
| Net charge-offs to loans | -0.0382% | 4,252 |
| Credit loss provision to net charge-offs | -315.7895% | 3,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7921% | 3,568 |
| Assets per employee ($millions) | 6.1870% | 2,436 |
| Cash dividends to net income (ytd only)* | 20.3402% | 2,496 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2612% | 2,634 |
| Loan loss allowance to noncurrent loans | 157.7206% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.6362% | 1,305 |
| Noncurrent loans to loans | 0.7997% | 1,531 |
| Net loans and leases to total assets | 74.0245% | 753 |
| Net loans and leases to deposits | 82.9665% | 1,128 |
| Net loans and leases to core deposits | 97.4279% | 746 |
| Total domestic deposits to total assets | 89.2222% | 1,176 |
| Equity capital to assets | 9.1160% | 3,688 |
| Core capital (leverage) ratio | 8.8192% | 3,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $135,840,000 | 3,677 |
| Average earning assets | $124,769,667 | 3,679 |
| Average equity | $12,015,667 | 3,985 |
| Average total loans | $99,382,333 | 3,263 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4919% | 2,950 |
| Cost of funding earning assets | 0.6572% | 663 |
| Net interest margin | 2.8348% | 3,680 |
| Noninterest income to average assets | 2.2107% | 318 |
| Noninterest expense to average assets | 2.5585% | 1,994 |
| Loan and lease loss provision to assets | 0.0884% | 1,492 |
| Net operating income to assets | 2.1576% | 446 |
| Return on assets (ROA) | 2.6381% | 234 |
| Pretax return on assets | 2.6381% | 360 |
| Return on Equity (ROE) | 30.2889% | 138 |
| Retained earnings to average equity (ytd only) | 30.2889% | 77 |
| Net charge-offs to loans | -0.1877% | 4,776 |
| Credit loss provision to net charge-offs | -65.2174% | 2,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2515% | 3,884 |
| Assets per employee ($millions) | 7.8033% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3135% | 2,377 |
| Loan loss allowance to noncurrent loans | 71.9328% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.3064% | 540 |
| Noncurrent loans to loans | 1.8260% | 626 |
| Net loans and leases to total assets | 68.6836% | 1,449 |
| Net loans and leases to deposits | 76.3707% | 1,865 |
| Net loans and leases to core deposits | 90.0624% | 1,228 |
| Total domestic deposits to total assets | 89.9345% | 852 |
| Equity capital to assets | 8.6765% | 3,979 |
| Core capital (leverage) ratio | 8.7893% | 3,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $135,703,500 | 3,685 |
| Average earning assets | $124,172,500 | 3,691 |
| Average equity | $11,819,500 | 4,015 |
| Average total loans | $98,051,500 | 3,286 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9745% | 2,807 |
| Cost of funding earning assets | 1.0009% | 593 |
| Net interest margin | 2.9736% | 3,955 |
| Noninterest income to average assets | 0.9180% | 1,223 |
| Noninterest expense to average assets | 2.6061% | 2,531 |
| Loan and lease loss provision to assets | 0.5032% | 483 |
| Net operating income to assets | 0.5406% | 3,931 |
| Return on assets (ROA) | 0.5406% | 4,027 |
| Pretax return on assets | 0.5406% | 4,201 |
| Return on Equity (ROE) | 6.2999% | 3,485 |
| Retained earnings to average equity (ytd only) | 1.4572% | 4,049 |
| Net charge-offs to loans | 0.3783% | 453 |
| Credit loss provision to net charge-offs | 184.8739% | 2,240 |
| Earnings coverage of net charge-offs (x) | 3.8347% | 3,050 |
| Efficiency ratio | 71.4017% | 1,761 |
| Assets per employee ($millions) | 7.2748% | 1,409 |
| Cash dividends to net income (ytd only)* | 76.8688% | 744 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2283% | 2,800 |
| Loan loss allowance to noncurrent loans | 58.2449% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 1.6220% | 423 |
| Noncurrent loans to loans | 2.1089% | 524 |
| Net loans and leases to total assets | 74.1812% | 1,001 |
| Net loans and leases to deposits | 83.1099% | 1,534 |
| Net loans and leases to core deposits | 100.0391% | 895 |
| Total domestic deposits to total assets | 89.2567% | 872 |
| Equity capital to assets | 8.7455% | 4,257 |
| Core capital (leverage) ratio | 8.1056% | 4,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $131,153,200 | 3,614 |
| Average earning assets | $120,492,000 | 3,617 |
| Average equity | $11,254,200 | 4,050 |
| Average total loans | $94,369,200 | 3,331 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9640% | 3,076 |
| Cost of funding earning assets | 1.0708% | 598 |
| Net interest margin | 2.8932% | 4,194 |
| Noninterest income to average assets | 0.9593% | 1,100 |
| Noninterest expense to average assets | 2.5476% | 2,699 |
| Loan and lease loss provision to assets | 0.6341% | 380 |
| Net operating income to assets | 0.4492% | 4,168 |
| Return on assets (ROA) | 0.4492% | 4,237 |
| Pretax return on assets | 0.4492% | 4,374 |
| Return on Equity (ROE) | 5.2595% | 3,805 |
| Retained earnings to average equity (ytd only) | 1.1542% | 4,202 |
| Net charge-offs to loans | 0.5126% | 290 |
| Credit loss provision to net charge-offs | 173.8162% | 2,212 |
| Earnings coverage of net charge-offs (x) | 2.9694% | 2,945 |
| Efficiency ratio | 70.1651% | 1,860 |
| Assets per employee ($millions) | 7.6986% | 1,125 |
| Cash dividends to net income (ytd only)* | 78.0543% | 634 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1017% | 3,201 |
| Loan loss allowance to noncurrent loans | 47.6384% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 1.8084% | 418 |
| Noncurrent loans to loans | 2.3127% | 480 |
| Net loans and leases to total assets | 75.7920% | 1,126 |
| Net loans and leases to deposits | 89.9028% | 1,274 |
| Net loans and leases to core deposits | 111.6155% | 642 |
| Total domestic deposits to total assets | 84.3044% | 2,712 |
| Equity capital to assets | 8.2339% | 4,617 |
| Core capital (leverage) ratio | 8.0105% | 4,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $131,204,750 | 3,599 |
| Average earning assets | $121,153,250 | 3,605 |
| Average equity | $11,204,750 | 4,066 |
| Average total loans | $93,375,000 | 3,357 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2249% | 2,681 |
| Cost of funding earning assets | 1.1708% | 564 |
| Net interest margin | 3.0541% | 4,002 |
| Noninterest income to average assets | 1.1961% | 702 |
| Noninterest expense to average assets | 2.5973% | 2,673 |
| Loan and lease loss provision to assets | 0.5033% | 710 |
| Net operating income to assets | 0.9119% | 2,645 |
| Return on assets (ROA) | 0.9119% | 2,765 |
| Pretax return on assets | 0.9119% | 3,278 |
| Return on Equity (ROE) | 10.5421% | 1,796 |
| Retained earnings to average equity (ytd only) | 4.7592% | 2,583 |
| Net charge-offs to loans | 0.9091% | 167 |
| Credit loss provision to net charge-offs | 80.0000% | 2,506 |
| Earnings coverage of net charge-offs (x) | 2.2494% | 2,792 |
| Efficiency ratio | 64.7309% | 2,707 |
| Assets per employee ($millions) | 7.9844% | 971 |
| Cash dividends to net income (ytd only)* | 54.8552% | 1,395 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9064% | 3,978 |
| Loan loss allowance to noncurrent loans | 426.9430% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.1790% | 3,637 |
| Noncurrent loans to loans | 0.2123% | 3,622 |
| Net loans and leases to total assets | 66.3710% | 2,574 |
| Net loans and leases to deposits | 75.8323% | 2,888 |
| Net loans and leases to core deposits | 91.5798% | 1,943 |
| Total domestic deposits to total assets | 87.5234% | 1,406 |
| Equity capital to assets | 8.4791% | 4,490 |
| Core capital (leverage) ratio | 8.2960% | 4,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $128,748,333 | 3,611 |
| Average earning assets | $118,725,000 | 3,612 |
| Average equity | $11,136,333 | 4,084 |
| Average total loans | $89,100,667 | 3,430 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4364% | 2,486 |
| Cost of funding earning assets | 1.3738% | 447 |
| Net interest margin | 3.0626% | 4,173 |
| Noninterest income to average assets | 0.4471% | 2,807 |
| Noninterest expense to average assets | 2.6665% | 2,796 |
| Loan and lease loss provision to assets | 0.1852% | 1,619 |
| Net operating income to assets | 0.4215% | 4,085 |
| Return on assets (ROA) | 0.4215% | 4,125 |
| Pretax return on assets | 0.4215% | 4,257 |
| Return on Equity (ROE) | 4.8219% | 3,698 |
| Retained earnings to average equity (ytd only) | 4.4201% | 2,528 |
| Net charge-offs to loans | 0.7801% | 196 |
| Credit loss provision to net charge-offs | 33.7209% | 2,135 |
| Earnings coverage of net charge-offs (x) | 1.1047% | 2,416 |
| Efficiency ratio | 81.4634% | 1,006 |
| Assets per employee ($millions) | 6.8409% | 1,168 |
| Cash dividends to net income (ytd only)* | 8.3333% | 2,505 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9366% | 3,982 |
| Loan loss allowance to noncurrent loans | 107.4728% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.7650% | 1,763 |
| Noncurrent loans to loans | 0.8715% | 1,867 |
| Net loans and leases to total assets | 67.9444% | 2,547 |
| Net loans and leases to deposits | 75.5588% | 3,113 |
| Net loans and leases to core deposits | 92.8640% | 2,078 |
| Total domestic deposits to total assets | 89.9225% | 345 |
| Equity capital to assets | 8.9405% | 4,632 |
| Core capital (leverage) ratio | 8.8305% | 4,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2953% | 2,152 |
| Memoranda: |
| Average total assets | $125,255,500 | 3,635 |
| Average earning assets | $115,588,500 | 3,626 |
| Average equity | $10,950,000 | 4,124 |
| Average total loans | $88,195,000 | 3,437 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1878% | 1,022 |
| Cost of funding earning assets | 1.4945% | 400 |
| Net interest margin | 3.6933% | 2,832 |
| Noninterest income to average assets | 0.4956% | 2,767 |
| Noninterest expense to average assets | 2.8390% | 2,480 |
| Loan and lease loss provision to assets | 0.1405% | 1,518 |
| Net operating income to assets | 0.9196% | 3,124 |
| Return on assets (ROA) | 0.9196% | 3,199 |
| Pretax return on assets | 0.9196% | 3,680 |
| Return on Equity (ROE) | 10.2474% | 2,188 |
| Retained earnings to average equity (ytd only) | 7.5295% | 1,153 |
| Net charge-offs to loans | 0.1577% | 1,274 |
| Credit loss provision to net charge-offs | 119.8529% | 2,111 |
| Earnings coverage of net charge-offs (x) | 9.0441% | 2,707 |
| Efficiency ratio | 72.8117% | 1,755 |
| Assets per employee ($millions) | 6.3688% | 1,377 |
| Cash dividends to net income (ytd only)* | 26.5230% | 3,233 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9844% | 3,594 |
| Loan loss allowance to noncurrent loans | 213.9480% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.4938% | 2,438 |
| Noncurrent loans to loans | 0.4601% | 2,798 |
| Net loans and leases to total assets | 71.4661% | 2,176 |
| Net loans and leases to deposits | 78.7954% | 2,931 |
| Net loans and leases to core deposits | 95.6489% | 1,929 |
| Total domestic deposits to total assets | 90.6983% | 164 |
| Equity capital to assets | 8.5503% | 4,890 |
| Core capital (leverage) ratio | 8.7596% | 4,692 |
| Tier 1 risk-based capital ratio | 12.4202% | 4,123 |
| Total risk-based capital ratio | 13.4652% | 4,109 |
| Memoranda: |
| Average total assets | $116,028,400 | 3,750 |
| Average earning assets | $106,923,000 | 3,761 |
| Average equity | $10,412,400 | 4,186 |
| Average total loans | $86,242,000 | 3,479 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3492% | 779 |
| Cost of funding earning assets | 1.4789% | 435 |
| Net interest margin | 3.8703% | 2,364 |
| Noninterest income to average assets | 0.4959% | 2,755 |
| Noninterest expense to average assets | 2.8882% | 2,298 |
| Loan and lease loss provision to assets | 0.1508% | 1,254 |
| Net operating income to assets | 1.0142% | 2,929 |
| Return on assets (ROA) | 1.0142% | 3,009 |
| Pretax return on assets | 1.0142% | 3,546 |
| Return on Equity (ROE) | 11.1532% | 1,951 |
| Retained earnings to average equity (ytd only) | 7.4873% | 1,630 |
| Net charge-offs to loans | 0.1210% | 1,291 |
| Credit loss provision to net charge-offs | 166.2338% | 1,516 |
| Earnings coverage of net charge-offs (x) | 12.8446% | 2,331 |
| Efficiency ratio | 71.2584% | 1,932 |
| Assets per employee ($millions) | 5.7285% | 1,824 |
| Cash dividends to net income (ytd only)* | 32.8685% | 2,472 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1084% | 2,984 |
| Loan loss allowance to noncurrent loans | 90.6341% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 1.0308% | 1,296 |
| Noncurrent loans to loans | 1.2229% | 1,280 |
| Net loans and leases to total assets | 72.3477% | 2,129 |
| Net loans and leases to deposits | 81.9643% | 2,684 |
| Net loans and leases to core deposits | 96.9496% | 1,909 |
| Total domestic deposits to total assets | 88.2673% | 929 |
| Equity capital to assets | 9.3516% | 4,561 |
| Core capital (leverage) ratio | 9.3923% | 4,285 |
| Tier 1 risk-based capital ratio | 12.7527% | 3,988 |
| Total risk-based capital ratio | 13.8757% | 3,944 |
| Memoranda: |
| Average total assets | $113,191,750 | 3,831 |
| Average earning assets | $104,037,000 | 3,845 |
| Average equity | $10,292,750 | 4,247 |
| Average total loans | $84,818,750 | 3,549 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3138% | 794 |
| Cost of funding earning assets | 1.4522% | 446 |
| Net interest margin | 3.8616% | 2,363 |
| Noninterest income to average assets | 0.5092% | 2,625 |
| Noninterest expense to average assets | 3.0231% | 1,942 |
| Loan and lease loss provision to assets | 0.2058% | 823 |
| Net operating income to assets | 0.8374% | 3,515 |
| Return on assets (ROA) | 0.8374% | 3,573 |
| Pretax return on assets | 0.8374% | 4,001 |
| Return on Equity (ROE) | 9.2984% | 2,728 |
| Retained earnings to average equity (ytd only) | 6.0479% | 2,263 |
| Net charge-offs to loans | 0.1926% | 860 |
| Credit loss provision to net charge-offs | 141.4634% | 1,555 |
| Earnings coverage of net charge-offs (x) | 7.1707% | 2,511 |
| Efficiency ratio | 74.3455% | 1,603 |
| Assets per employee ($millions) | 5.8916% | 1,617 |
| Cash dividends to net income (ytd only)* | 34.9576% | 2,420 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0977% | 3,083 |
| Loan loss allowance to noncurrent loans | 107.4205% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.7584% | 1,834 |
| Noncurrent loans to loans | 1.0219% | 1,604 |
| Net loans and leases to total assets | 73.4038% | 1,985 |
| Net loans and leases to deposits | 83.9856% | 2,495 |
| Net loans and leases to core deposits | 95.0513% | 2,149 |
| Total domestic deposits to total assets | 87.4005% | 1,385 |
| Equity capital to assets | 9.3335% | 4,546 |
| Core capital (leverage) ratio | 9.1896% | 4,470 |
| Tier 1 risk-based capital ratio | 12.4005% | 4,184 |
| Total risk-based capital ratio | 13.5008% | 4,134 |
| Memoranda: |
| Average total assets | $112,732,670 | 3,862 |
| Average earning assets | $103,842,670 | 3,873 |
| Average equity | $10,152,330 | 4,282 |
| Average total loans | $85,152,670 | 3,567 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3559% | 689 |
| Cost of funding earning assets | 1.4311% | 409 |
| Net interest margin | 3.9248% | 2,115 |
| Noninterest income to average assets | 0.5198% | 2,437 |
| Noninterest expense to average assets | 3.2247% | 1,437 |
| Loan and lease loss provision to assets | 0.2298% | 663 |
| Net operating income to assets | 0.6824% | 3,996 |
| Return on assets (ROA) | 0.6824% | 4,034 |
| Pretax return on assets | 0.6824% | 4,343 |
| Return on Equity (ROE) | 7.7165% | 3,367 |
| Retained earnings to average equity (ytd only) | 6.5171% | 2,241 |
| Net charge-offs to loans | 0.2088% | 669 |
| Credit loss provision to net charge-offs | 144.4444% | 1,270 |
| Earnings coverage of net charge-offs (x) | 5.7333% | 2,241 |
| Efficiency ratio | 77.9487% | 1,271 |
| Assets per employee ($millions) | 6.6259% | 1,183 |
| Cash dividends to net income (ytd only)* | 15.5440% | 2,562 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0624% | 3,344 |
| Loan loss allowance to noncurrent loans | 87.5244% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 0.9109% | 1,544 |
| Noncurrent loans to loans | 1.2138% | 1,355 |
| Net loans and leases to total assets | 74.2447% | 1,759 |
| Net loans and leases to deposits | 84.1137% | 2,373 |
| Net loans and leases to core deposits | 97.4981% | 1,817 |
| Total domestic deposits to total assets | 88.2671% | 1,210 |
| Equity capital to assets | 8.9941% | 4,686 |
| Core capital (leverage) ratio | 8.7627% | 4,820 |
| Tier 1 risk-based capital ratio | 11.3800% | 4,794 |
| Total risk-based capital ratio | 12.3884% | 4,829 |
| Memoranda: |
| Average total assets | $113,128,500 | 3,894 |
| Average earning assets | $104,259,000 | 3,910 |
| Average equity | $10,004,500 | 4,330 |
| Average total loans | $86,188,500 | 3,573 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8800% | 1,341 |
| Cost of funding earning assets | 1.1221% | 461 |
| Net interest margin | 3.7579% | 2,834 |
| Noninterest income to average assets | 0.7043% | 1,838 |
| Noninterest expense to average assets | 3.1619% | 1,644 |
| Loan and lease loss provision to assets | 0.2414% | 724 |
| Net operating income to assets | 0.7741% | 3,899 |
| Return on assets (ROA) | 0.7741% | 3,902 |
| Pretax return on assets | 0.7741% | 4,236 |
| Return on Equity (ROE) | 9.2216% | 2,879 |
| Retained earnings to average equity (ytd only) | 3.0191% | 3,887 |
| Net charge-offs to loans | 0.6167% | 278 |
| Credit loss provision to net charge-offs | 51.7560% | 3,168 |
| Earnings coverage of net charge-offs (x) | 2.1774% | 3,553 |
| Efficiency ratio | 75.6913% | 1,408 |
| Assets per employee ($millions) | 4.3698% | 3,347 |
| Cash dividends to net income (ytd only)* | 67.2606% | 1,193 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9994% | 3,697 |
| Loan loss allowance to noncurrent loans | 114.3229% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.6760% | 2,033 |
| Noncurrent loans to loans | 0.8742% | 1,843 |
| Net loans and leases to total assets | 76.5482% | 1,510 |
| Net loans and leases to deposits | 87.5030% | 2,115 |
| Net loans and leases to core deposits | 103.6504% | 1,444 |
| Total domestic deposits to total assets | 87.4806% | 1,548 |
| Equity capital to assets | 8.6942% | 4,804 |
| Core capital (leverage) ratio | 8.5550% | 4,989 |
| Tier 1 risk-based capital ratio | 12.9844% | 3,850 |
| Total risk-based capital ratio | 14.1278% | 3,815 |
| Memoranda: |
| Average total assets | $116,004,400 | 3,852 |
| Average earning assets | $107,213,400 | 3,851 |
| Average equity | $9,738,000 | 4,341 |
| Average total loans | $87,730,200 | 3,520 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7775% | 1,480 |
| Cost of funding earning assets | 1.0083% | 578 |
| Net interest margin | 3.7692% | 2,756 |
| Noninterest income to average assets | 0.5843% | 2,393 |
| Noninterest expense to average assets | 3.1217% | 1,713 |
| Loan and lease loss provision to assets | 0.3202% | 442 |
| Net operating income to assets | 0.6221% | 4,443 |
| Return on assets (ROA) | 0.6221% | 4,455 |
| Pretax return on assets | 0.6221% | 4,692 |
| Return on Equity (ROE) | 7.4752% | 3,762 |
| Retained earnings to average equity (ytd only) | 5.1666% | 3,143 |
| Net charge-offs to loans | 0.5792% | 258 |
| Credit loss provision to net charge-offs | 73.4908% | 2,598 |
| Earnings coverage of net charge-offs (x) | 2.1627% | 3,274 |
| Efficiency ratio | 76.8149% | 1,252 |
| Assets per employee ($millions) | 4.6449% | 2,924 |
| Cash dividends to net income (ytd only)* | 30.8815% | 2,500 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1677% | 2,805 |
| Loan loss allowance to noncurrent loans | 135.3325% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.6605% | 2,211 |
| Noncurrent loans to loans | 0.8629% | 1,977 |
| Net loans and leases to total assets | 75.6541% | 1,711 |
| Net loans and leases to deposits | 88.7231% | 2,062 |
| Net loans and leases to core deposits | 100.6012% | 1,734 |
| Total domestic deposits to total assets | 85.2698% | 2,501 |
| Equity capital to assets | 8.4893% | 4,927 |
| Core capital (leverage) ratio | 8.6803% | 4,970 |
| Tier 1 risk-based capital ratio | 11.0810% | 4,995 |
| Total risk-based capital ratio | 12.2250% | 4,943 |
| Memoranda: |
| Average total assets | $116,601,500 | 3,881 |
| Average earning assets | $107,640,250 | 3,883 |
| Average equity | $9,703,000 | 4,387 |
| Average total loans | $87,700,500 | 3,553 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7064% | 1,489 |
| Cost of funding earning assets | 1.0139% | 444 |
| Net interest margin | 3.6925% | 2,961 |
| Noninterest income to average assets | 0.6201% | 2,225 |
| Noninterest expense to average assets | 3.0541% | 1,897 |
| Loan and lease loss provision to assets | 0.4796% | 240 |
| Net operating income to assets | 0.4985% | 4,756 |
| Return on assets (ROA) | 0.4985% | 4,758 |
| Pretax return on assets | 0.4985% | 4,910 |
| Return on Equity (ROE) | 6.0303% | 4,229 |
| Retained earnings to average equity (ytd only) | 3.5021% | 3,836 |
| Net charge-offs to loans | 0.6048% | 248 |
| Credit loss provision to net charge-offs | 106.0606% | 1,936 |
| Earnings coverage of net charge-offs (x) | 2.1629% | 2,996 |
| Efficiency ratio | 75.7434% | 1,458 |
| Assets per employee ($millions) | 4.4236% | 3,244 |
| Cash dividends to net income (ytd only)* | 41.9244% | 2,034 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3416% | 1,982 |
| Loan loss allowance to noncurrent loans | 118.3402% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.8486% | 1,758 |
| Noncurrent loans to loans | 1.1337% | 1,550 |
| Net loans and leases to total assets | 73.8473% | 1,965 |
| Net loans and leases to deposits | 82.0658% | 2,762 |
| Net loans and leases to core deposits | 107.2088% | 1,171 |
| Total domestic deposits to total assets | 89.9855% | 582 |
| Equity capital to assets | 8.4295% | 4,995 |
| Core capital (leverage) ratio | 8.5155% | 5,096 |
| Tier 1 risk-based capital ratio | 11.1396% | 4,979 |
| Total risk-based capital ratio | 12.3897% | 4,882 |
| Memoranda: |
| Average total assets | $116,759,670 | 3,916 |
| Average earning assets | $107,895,670 | 3,914 |
| Average equity | $9,651,330 | 4,433 |
| Average total loans | $87,304,330 | 3,576 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7850% | 1,113 |
| Cost of funding earning assets | 1.0188% | 339 |
| Net interest margin | 3.7662% | 2,562 |
| Noninterest income to average assets | 0.6155% | 2,191 |
| Noninterest expense to average assets | 2.8461% | 2,548 |
| Loan and lease loss provision to assets | 0.9521% | 92 |
| Net operating income to assets | 0.2992% | 5,095 |
| Return on assets (ROA) | 0.2992% | 5,096 |
| Pretax return on assets | 0.2992% | 5,168 |
| Return on Equity (ROE) | 3.6554% | 4,855 |
| Retained earnings to average equity (ytd only) | 2.3677% | 4,218 |
| Net charge-offs to loans | 1.2194% | 120 |
| Credit loss provision to net charge-offs | 104.4776% | 1,500 |
| Earnings coverage of net charge-offs (x) | 1.3731% | 2,565 |
| Efficiency ratio | 69.4606% | 2,585 |
| Assets per employee ($millions) | 5.8697% | 1,630 |
| Cash dividends to net income (ytd only)* | 35.2273% | 1,992 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3627% | 1,979 |
| Loan loss allowance to noncurrent loans | 110.7796% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.8851% | 1,795 |
| Noncurrent loans to loans | 1.2301% | 1,477 |
| Net loans and leases to total assets | 70.9693% | 2,332 |
| Net loans and leases to deposits | 77.8488% | 3,033 |
| Net loans and leases to core deposits | 101.2752% | 1,591 |
| Total domestic deposits to total assets | 91.1630% | 265 |
| Equity capital to assets | 8.1955% | 5,180 |
| Core capital (leverage) ratio | 8.1412% | 5,348 |
| Tier 1 risk-based capital ratio | 11.9797% | 4,557 |
| Total risk-based capital ratio | 13.2313% | 4,453 |
| Memoranda: |
| Average total assets | $117,633,000 | 3,937 |
| Average earning assets | $108,756,000 | 3,936 |
| Average equity | $9,629,500 | 4,481 |
| Average total loans | $87,912,000 | 3,591 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4088% | 2,008 |
| Cost of funding earning assets | 0.6851% | 1,111 |
| Net interest margin | 3.7238% | 2,701 |
| Noninterest income to average assets | 0.7199% | 1,886 |
| Noninterest expense to average assets | 2.7341% | 3,016 |
| Loan and lease loss provision to assets | 0.2250% | 874 |
| Net operating income to assets | 1.1940% | 1,541 |
| Return on assets (ROA) | 1.1940% | 1,565 |
| Pretax return on assets | 1.1940% | 2,798 |
| Return on Equity (ROE) | 14.2686% | 724 |
| Retained earnings to average equity (ytd only) | 3.8980% | 2,866 |
| Net charge-offs to loans | 0.1707% | 1,444 |
| Credit loss provision to net charge-offs | 176.8707% | 1,535 |
| Earnings coverage of net charge-offs (x) | 11.1565% | 2,600 |
| Efficiency ratio | 65.8333% | 3,303 |
| Assets per employee ($millions) | 6.5483% | 1,185 |
| Cash dividends to net income (ytd only)* | 72.6812% | 1,132 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2467% | 2,492 |
| Loan loss allowance to noncurrent loans | 77.4830% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.2938% | 1,124 |
| Noncurrent loans to loans | 1.6090% | 1,036 |
| Net loans and leases to total assets | 76.5435% | 1,506 |
| Net loans and leases to deposits | 87.7670% | 2,045 |
| Net loans and leases to core deposits | 116.7592% | 697 |
| Total domestic deposits to total assets | 87.2121% | 1,893 |
| Equity capital to assets | 8.1769% | 5,316 |
| Core capital (leverage) ratio | 8.2599% | 5,316 |
| Tier 1 risk-based capital ratio | 10.3502% | 5,428 |
| Total risk-based capital ratio | 11.5684% | 5,359 |
| Memoranda: |
| Average total assets | $115,577,000 | 3,969 |
| Average earning assets | $106,558,800 | 3,972 |
| Average equity | $9,671,600 | 4,500 |
| Average total loans | $86,130,400 | 3,613 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3843% | 2,000 |
| Cost of funding earning assets | 0.6162% | 1,427 |
| Net interest margin | 3.7680% | 2,512 |
| Noninterest income to average assets | 0.8266% | 1,489 |
| Noninterest expense to average assets | 2.5981% | 3,415 |
| Loan and lease loss provision to assets | 0.2725% | 601 |
| Net operating income to assets | 1.4225% | 1,039 |
| Return on assets (ROA) | 1.4225% | 1,069 |
| Pretax return on assets | 1.4225% | 2,051 |
| Return on Equity (ROE) | 16.9004% | 440 |
| Retained earnings to average equity (ytd only) | 9.9722% | 592 |
| Net charge-offs to loans | 0.2279% | 949 |
| Credit loss provision to net charge-offs | 162.0690% | 1,584 |
| Earnings coverage of net charge-offs (x) | 10.0827% | 2,630 |
| Efficiency ratio | 60.5185% | 4,126 |
| Assets per employee ($millions) | 5.8287% | 1,626 |
| Cash dividends to net income (ytd only)* | 40.9943% | 2,237 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2509% | 2,640 |
| Loan loss allowance to noncurrent loans | 68.5083% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 1.4446% | 1,062 |
| Noncurrent loans to loans | 1.8259% | 972 |
| Net loans and leases to total assets | 75.5752% | 1,668 |
| Net loans and leases to deposits | 86.9876% | 2,184 |
| Net loans and leases to core deposits | 113.8329% | 850 |
| Total domestic deposits to total assets | 86.8804% | 1,916 |
| Equity capital to assets | 8.6108% | 5,219 |
| Core capital (leverage) ratio | 8.6311% | 5,124 |
| Tier 1 risk-based capital ratio | 11.5331% | 4,944 |
| Total risk-based capital ratio | 12.7826% | 4,833 |
| Memoranda: |
| Average total assets | $115,004,000 | 4,016 |
| Average earning assets | $105,800,000 | 4,028 |
| Average equity | $9,680,000 | 4,544 |
| Average total loans | $84,823,000 | 3,667 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2655% | 2,235 |
| Cost of funding earning assets | 0.5881% | 1,525 |
| Net interest margin | 3.6774% | 2,728 |
| Noninterest income to average assets | 0.9731% | 1,081 |
| Noninterest expense to average assets | 2.5402% | 3,618 |
| Loan and lease loss provision to assets | 0.2865% | 547 |
| Net operating income to assets | 1.5217% | 829 |
| Return on assets (ROA) | 1.5217% | 849 |
| Pretax return on assets | 1.5217% | 1,564 |
| Return on Equity (ROE) | 18.2205% | 316 |
| Retained earnings to average equity (ytd only) | 13.8066% | 197 |
| Net charge-offs to loans | 0.2975% | 685 |
| Credit loss provision to net charge-offs | 132.2581% | 1,662 |
| Earnings coverage of net charge-offs (x) | 8.3468% | 2,518 |
| Efficiency ratio | 58.4170% | 4,542 |
| Assets per employee ($millions) | 5.8668% | 1,566 |
| Cash dividends to net income (ytd only)* | 24.2250% | 2,969 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2278% | 2,847 |
| Loan loss allowance to noncurrent loans | 57.6840% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 1.6218% | 908 |
| Noncurrent loans to loans | 2.1285% | 775 |
| Net loans and leases to total assets | 73.0841% | 2,023 |
| Net loans and leases to deposits | 84.4343% | 2,413 |
| Net loans and leases to core deposits | 95.2663% | 2,044 |
| Total domestic deposits to total assets | 86.5574% | 2,150 |
| Equity capital to assets | 8.5157% | 5,296 |
| Core capital (leverage) ratio | 8.6969% | 5,049 |
| Tier 1 risk-based capital ratio | 11.1870% | 5,149 |
| Total risk-based capital ratio | 12.3844% | 5,070 |
| Memoranda: |
| Average total assets | $114,480,670 | 4,051 |
| Average earning assets | $105,075,330 | 4,069 |
| Average equity | $9,560,670 | 4,584 |
| Average total loans | $83,358,330 | 3,710 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2448% | 2,114 |
| Cost of funding earning assets | 0.5711% | 1,570 |
| Net interest margin | 3.6737% | 2,584 |
| Noninterest income to average assets | 0.4352% | 3,415 |
| Noninterest expense to average assets | 2.4979% | 3,810 |
| Loan and lease loss provision to assets | 0.0495% | 2,820 |
| Net operating income to assets | 1.2560% | 1,357 |
| Return on assets (ROA) | 1.2560% | 1,392 |
| Pretax return on assets | 1.2560% | 2,397 |
| Return on Equity (ROE) | 15.1953% | 622 |
| Retained earnings to average equity (ytd only) | 14.2536% | 280 |
| Net charge-offs to loans | -0.0294% | 4,923 |
| Credit loss provision to net charge-offs | -233.3333% | 4,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6744% | 3,549 |
| Assets per employee ($millions) | 5.6459% | 1,768 |
| Cash dividends to net income (ytd only)* | 6.1972% | 2,755 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2755% | 2,658 |
| Loan loss allowance to noncurrent loans | 49.7148% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 1.9120% | 712 |
| Noncurrent loans to loans | 2.5657% | 600 |
| Net loans and leases to total assets | 71.6987% | 2,115 |
| Net loans and leases to deposits | 78.5874% | 2,907 |
| Net loans and leases to core deposits | 107.7154% | 989 |
| Total domestic deposits to total assets | 91.2343% | 233 |
| Equity capital to assets | 8.4239% | 5,294 |
| Core capital (leverage) ratio | 8.4479% | 5,263 |
| Tier 1 risk-based capital ratio | 11.6432% | 4,948 |
| Total risk-based capital ratio | 12.8930% | 4,844 |
| Memoranda: |
| Average total assets | $113,053,000 | 4,110 |
| Average earning assets | $103,656,000 | 4,139 |
| Average equity | $9,345,000 | 4,651 |
| Average total loans | $81,627,500 | 3,778 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6693% | 4,312 |
| Cost of funding earning assets | 0.4642% | 2,405 |
| Net interest margin | 3.2051% | 4,443 |
| Noninterest income to average assets | 0.4532% | 3,520 |
| Noninterest expense to average assets | 2.6082% | 3,651 |
| Loan and lease loss provision to assets | 0.3730% | 441 |
| Net operating income to assets | 0.4336% | 4,842 |
| Return on assets (ROA) | 0.4364% | 4,924 |
| Pretax return on assets | 0.4364% | 5,148 |
| Return on Equity (ROE) | 5.4185% | 4,228 |
| Retained earnings to average equity (ytd only) | 2.9293% | 3,820 |
| Net charge-offs to loans | 0.0943% | 2,360 |
| Credit loss provision to net charge-offs | 579.7101% | 590 |
| Earnings coverage of net charge-offs (x) | 12.5362% | 2,441 |
| Efficiency ratio | 76.3790% | 1,924 |
| Assets per employee ($millions) | 5.9573% | 1,512 |
| Cash dividends to net income (ytd only)* | 45.9402% | 2,531 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2628% | 2,743 |
| Loan loss allowance to noncurrent loans | 81.2352% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.1644% | 1,569 |
| Noncurrent loans to loans | 1.5545% | 1,276 |
| Net loans and leases to total assets | 70.8753% | 2,353 |
| Net loans and leases to deposits | 77.3174% | 3,174 |
| Net loans and leases to core deposits | 101.3198% | 1,503 |
| Total domestic deposits to total assets | 91.6679% | 140 |
| Equity capital to assets | 8.1086% | 5,512 |
| Core capital (leverage) ratio | 8.0827% | 5,574 |
| Tier 1 risk-based capital ratio | 11.7452% | 4,898 |
| Total risk-based capital ratio | 12.9955% | 4,801 |
| Memoranda: |
| Average total assets | $107,239,800 | 4,216 |
| Average earning assets | $99,091,200 | 4,225 |
| Average equity | $8,637,000 | 4,813 |
| Average total loans | $73,170,400 | 3,960 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7098% | 4,218 |
| Cost of funding earning assets | 0.4305% | 2,735 |
| Net interest margin | 3.2793% | 4,259 |
| Noninterest income to average assets | 0.4980% | 3,263 |
| Noninterest expense to average assets | 2.5594% | 3,794 |
| Loan and lease loss provision to assets | 0.4173% | 339 |
| Net operating income to assets | 0.5560% | 4,470 |
| Return on assets (ROA) | 0.5598% | 4,561 |
| Pretax return on assets | 0.5598% | 4,975 |
| Return on Equity (ROE) | 6.9632% | 3,577 |
| Retained earnings to average equity (ytd only) | 4.1088% | 3,381 |
| Net charge-offs to loans | 0.2286% | 1,031 |
| Credit loss provision to net charge-offs | 271.3115% | 1,132 |
| Earnings coverage of net charge-offs (x) | 6.3280% | 3,008 |
| Efficiency ratio | 72.4483% | 2,505 |
| Assets per employee ($millions) | 6.1133% | 1,341 |
| Cash dividends to net income (ytd only)* | 40.9906% | 2,308 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1304% | 3,672 |
| Loan loss allowance to noncurrent loans | 65.5773% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 1.2440% | 1,579 |
| Noncurrent loans to loans | 1.7237% | 1,210 |
| Net loans and leases to total assets | 67.9982% | 2,804 |
| Net loans and leases to deposits | 74.1622% | 3,580 |
| Net loans and leases to core deposits | 96.2432% | 1,968 |
| Total domestic deposits to total assets | 91.6885% | 97 |
| Equity capital to assets | 8.0471% | 5,722 |
| Core capital (leverage) ratio | 8.5528% | 5,313 |
| Tier 1 risk-based capital ratio | 11.2720% | 5,219 |
| Total risk-based capital ratio | 12.3656% | 5,218 |
| Memoranda: |
| Average total assets | $105,752,500 | 4,284 |
| Average earning assets | $97,863,750 | 4,275 |
| Average equity | $8,501,750 | 4,885 |
| Average total loans | $71,150,750 | 4,041 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6206% | 4,531 |
| Cost of funding earning assets | 0.4030% | 3,010 |
| Net interest margin | 3.2176% | 4,491 |
| Noninterest income to average assets | 0.5201% | 3,063 |
| Noninterest expense to average assets | 2.5595% | 3,863 |
| Loan and lease loss provision to assets | 0.5025% | 260 |
| Net operating income to assets | 0.4399% | 4,904 |
| Return on assets (ROA) | 0.4458% | 4,973 |
| Pretax return on assets | 0.4458% | 5,255 |
| Return on Equity (ROE) | 5.5474% | 4,268 |
| Retained earnings to average equity (ytd only) | 3.0900% | 3,935 |
| Net charge-offs to loans | 0.4924% | 445 |
| Credit loss provision to net charge-offs | 152.9762% | 1,567 |
| Earnings coverage of net charge-offs (x) | 2.8690% | 3,200 |
| Efficiency ratio | 73.0877% | 2,501 |
| Assets per employee ($millions) | 5.2289% | 2,059 |
| Cash dividends to net income (ytd only)* | 44.2982% | 2,232 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0978% | 3,956 |
| Loan loss allowance to noncurrent loans | 47.5728% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 1.6409% | 1,104 |
| Noncurrent loans to loans | 2.3077% | 790 |
| Net loans and leases to total assets | 67.5388% | 2,860 |
| Net loans and leases to deposits | 74.3356% | 3,548 |
| Net loans and leases to core deposits | 95.4782% | 2,026 |
| Total domestic deposits to total assets | 90.8565% | 221 |
| Equity capital to assets | 7.8794% | 5,837 |
| Core capital (leverage) ratio | 7.8521% | 5,802 |
| Tier 1 risk-based capital ratio | 11.4072% | 5,211 |
| Total risk-based capital ratio | 12.5016% | 5,197 |
| Memoranda: |
| Average total assets | $102,285,670 | 4,383 |
| Average earning assets | $94,790,000 | 4,366 |
| Average equity | $8,220,000 | 4,990 |
| Average total loans | $68,239,330 | 4,139 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6382% | 4,512 |
| Cost of funding earning assets | 0.3753% | 3,349 |
| Net interest margin | 3.2629% | 4,349 |
| Noninterest income to average assets | 0.5062% | 3,073 |
| Noninterest expense to average assets | 2.4758% | 4,144 |
| Loan and lease loss provision to assets | 0.1977% | 994 |
| Net operating income to assets | 0.8582% | 2,956 |
| Return on assets (ROA) | 0.8582% | 3,073 |
| Pretax return on assets | 0.8582% | 4,011 |
| Return on Equity (ROE) | 10.5725% | 1,757 |
| Retained earnings to average equity (ytd only) | 9.7442% | 912 |
| Net charge-offs to loans | 0.0300% | 2,349 |
| Credit loss provision to net charge-offs | 1,000.0000% | 359 |
| Earnings coverage of net charge-offs (x) | 53.4000% | 842 |
| Efficiency ratio | 70.1008% | 3,106 |
| Assets per employee ($millions) | 5.1515% | 2,186 |
| Cash dividends to net income (ytd only)* | 7.8341% | 2,751 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0818% | 4,154 |
| Loan loss allowance to noncurrent loans | 150.1014% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.4785% | 3,684 |
| Noncurrent loans to loans | 0.7207% | 3,036 |
| Net loans and leases to total assets | 65.6741% | 2,997 |
| Net loans and leases to deposits | 75.5617% | 3,268 |
| Net loans and leases to core deposits | 84.8377% | 2,863 |
| Total domestic deposits to total assets | 86.9145% | 2,247 |
| Equity capital to assets | 8.0850% | 5,790 |
| Core capital (leverage) ratio | 8.2144% | 5,644 |
| Tier 1 risk-based capital ratio | 12.1308% | 4,825 |
| Total risk-based capital ratio | 13.2194% | 4,848 |
| Memoranda: |
| Average total assets | $101,140,000 | 4,445 |
| Average earning assets | $93,782,000 | 4,431 |
| Average equity | $8,210,000 | 5,016 |
| Average total loans | $66,652,000 | 4,202 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3996% | 5,158 |
| Cost of funding earning assets | 0.3190% | 4,045 |
| Net interest margin | 3.0806% | 4,949 |
| Noninterest income to average assets | 0.4625% | 3,580 |
| Noninterest expense to average assets | 2.7849% | 3,301 |
| Loan and lease loss provision to assets | 0.0320% | 3,725 |
| Net operating income to assets | 0.5031% | 4,680 |
| Return on assets (ROA) | 0.5031% | 4,773 |
| Pretax return on assets | 0.5031% | 5,108 |
| Return on Equity (ROE) | 6.2517% | 3,924 |
| Retained earnings to average equity (ytd only) | 5.0040% | 2,413 |
| Net charge-offs to loans | 0.1973% | 1,481 |
| Credit loss provision to net charge-offs | 26.5487% | 3,688 |
| Earnings coverage of net charge-offs (x) | 4.4336% | 3,561 |
| Efficiency ratio | 83.8803% | 1,189 |
| Assets per employee ($millions) | 5.5139% | 1,792 |
| Cash dividends to net income (ytd only)* | 19.9575% | 3,776 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0709% | 4,207 |
| Loan loss allowance to noncurrent loans | 739.3617% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 5,240 |
| Noncurrent loans to loans | 0.1448% | 4,915 |
| Net loans and leases to total assets | 64.6902% | 3,167 |
| Net loans and leases to deposits | 73.1181% | 3,599 |
| Net loans and leases to core deposits | 84.0424% | 2,962 |
| Total domestic deposits to total assets | 88.4736% | 1,397 |
| Equity capital to assets | 8.1511% | 5,782 |
| Core capital (leverage) ratio | 8.1976% | 5,701 |
| Tier 1 risk-based capital ratio | 12.8307% | 4,433 |
| Total risk-based capital ratio | 13.9390% | 4,421 |
| Memoranda: |
| Average total assets | $93,612,400 | 4,593 |
| Average earning assets | $86,835,000 | 4,566 |
| Average equity | $7,534,000 | 5,141 |
| Average total loans | $57,268,000 | 4,454 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4168% | 5,168 |
| Cost of funding earning assets | 0.3058% | 4,267 |
| Net interest margin | 3.1110% | 4,934 |
| Noninterest income to average assets | 0.5466% | 3,068 |
| Noninterest expense to average assets | 2.8314% | 3,070 |
| Loan and lease loss provision to assets | 0.0333% | 3,561 |
| Net operating income to assets | 0.5654% | 4,547 |
| Return on assets (ROA) | 0.5654% | 4,633 |
| Pretax return on assets | 0.5654% | 5,056 |
| Return on Equity (ROE) | 7.0496% | 3,592 |
| Retained earnings to average equity (ytd only) | 6.2383% | 2,097 |
| Net charge-offs to loans | 0.2481% | 1,055 |
| Credit loss provision to net charge-offs | 22.3301% | 3,347 |
| Earnings coverage of net charge-offs (x) | 4.0194% | 3,415 |
| Efficiency ratio | 82.5464% | 1,321 |
| Assets per employee ($millions) | 5.2204% | 2,038 |
| Cash dividends to net income (ytd only)* | 11.5092% | 3,541 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1573% | 3,889 |
| Loan loss allowance to noncurrent loans | 120.1377% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.6183% | 3,418 |
| Noncurrent loans to loans | 0.9633% | 2,578 |
| Net loans and leases to total assets | 63.4446% | 3,386 |
| Net loans and leases to deposits | 74.2438% | 3,520 |
| Net loans and leases to core deposits | 84.7145% | 2,968 |
| Total domestic deposits to total assets | 85.4545% | 2,804 |
| Equity capital to assets | 8.0645% | 5,937 |
| Core capital (leverage) ratio | 8.2503% | 5,745 |
| Tier 1 risk-based capital ratio | 12.7847% | 4,561 |
| Total risk-based capital ratio | 13.9722% | 4,507 |
| Memoranda: |
| Average total assets | $92,203,000 | 4,675 |
| Average earning assets | $85,457,250 | 4,650 |
| Average equity | $7,395,000 | 5,235 |
| Average total loans | $55,360,000 | 4,564 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3950% | 5,241 |
| Cost of funding earning assets | 0.3022% | 4,375 |
| Net interest margin | 3.0928% | 4,987 |
| Noninterest income to average assets | 0.5676% | 2,926 |
| Noninterest expense to average assets | 2.8729% | 2,987 |
| Loan and lease loss provision to assets | 0.0327% | 3,467 |
| Net operating income to assets | 0.5217% | 4,677 |
| Return on assets (ROA) | 0.5217% | 4,781 |
| Pretax return on assets | 0.5217% | 5,171 |
| Return on Equity (ROE) | 6.5176% | 3,872 |
| Retained earnings to average equity (ytd only) | 5.2904% | 2,680 |
| Net charge-offs to loans | 0.3947% | 660 |
| Credit loss provision to net charge-offs | 14.1509% | 3,075 |
| Earnings coverage of net charge-offs (x) | 2.3962% | 3,346 |
| Efficiency ratio | 83.8217% | 1,279 |
| Assets per employee ($millions) | 5.0109% | 2,263 |
| Cash dividends to net income (ytd only)* | 18.8285% | 3,228 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2767% | 3,362 |
| Loan loss allowance to noncurrent loans | 192.9775% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 4,324 |
| Noncurrent loans to loans | 0.6616% | 3,495 |
| Net loans and leases to total assets | 58.8955% | 3,995 |
| Net loans and leases to deposits | 65.9033% | 4,342 |
| Net loans and leases to core deposits | 74.9623% | 3,855 |
| Total domestic deposits to total assets | 89.3666% | 965 |
| Equity capital to assets | 8.2120% | 5,872 |
| Core capital (leverage) ratio | 8.0371% | 5,910 |
| Tier 1 risk-based capital ratio | 14.2636% | 3,784 |
| Total risk-based capital ratio | 15.5129% | 3,712 |
| Memoranda: |
| Average total assets | $91,615,000 | 4,736 |
| Average earning assets | $84,713,330 | 4,717 |
| Average equity | $7,334,000 | 5,293 |
| Average total loans | $53,708,330 | 4,653 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2687% | 5,518 |
| Cost of funding earning assets | 0.2883% | 4,569 |
| Net interest margin | 2.9805% | 5,269 |
| Noninterest income to average assets | 0.5502% | 2,945 |
| Noninterest expense to average assets | 2.8422% | 3,095 |
| Loan and lease loss provision to assets | 0.0303% | 3,285 |
| Net operating income to assets | 0.4549% | 4,851 |
| Return on assets (ROA) | 0.4549% | 4,965 |
| Pretax return on assets | 0.4549% | 5,301 |
| Return on Equity (ROE) | 5.7554% | 4,159 |
| Retained earnings to average equity (ytd only) | 4.9332% | 3,090 |
| Net charge-offs to loans | 0.2833% | 848 |
| Credit loss provision to net charge-offs | 18.4211% | 2,376 |
| Earnings coverage of net charge-offs (x) | 2.9474% | 2,677 |
| Efficiency ratio | 85.4167% | 1,231 |
| Assets per employee ($millions) | 4.9276% | 2,452 |
| Cash dividends to net income (ytd only)* | 14.2857% | 2,659 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3663% | 3,074 |
| Loan loss allowance to noncurrent loans | 235.6467% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.3386% | 4,639 |
| Noncurrent loans to loans | 0.5798% | 3,843 |
| Net loans and leases to total assets | 57.5989% | 4,007 |
| Net loans and leases to deposits | 63.2991% | 4,456 |
| Net loans and leases to core deposits | 69.6407% | 4,190 |
| Total domestic deposits to total assets | 90.9949% | 368 |
| Equity capital to assets | 7.8569% | 6,084 |
| Core capital (leverage) ratio | 7.9996% | 5,947 |
| Tier 1 risk-based capital ratio | 14.3507% | 3,799 |
| Total risk-based capital ratio | 15.6019% | 3,723 |
| Memoranda: |
| Average total assets | $92,324,000 | 4,762 |
| Average earning assets | $86,027,000 | 4,720 |
| Average equity | $7,297,500 | 5,345 |
| Average total loans | $53,658,000 | 4,681 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5045% | 5,306 |
| Cost of funding earning assets | 0.2629% | 5,189 |
| Net interest margin | 3.2415% | 4,787 |
| Noninterest income to average assets | 0.7097% | 2,259 |
| Noninterest expense to average assets | 3.3038% | 1,921 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4096% | 5,193 |
| Return on assets (ROA) | 0.4096% | 5,253 |
| Pretax return on assets | 0.4096% | 5,458 |
| Return on Equity (ROE) | 5.1589% | 4,579 |
| Retained earnings to average equity (ytd only) | 4.1953% | 3,209 |
| Net charge-offs to loans | -0.3208% | 6,343 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9699% | 917 |
| Assets per employee ($millions) | 4.7907% | 2,607 |
| Cash dividends to net income (ytd only)* | 18.6782% | 3,867 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4760% | 2,582 |
| Loan loss allowance to noncurrent loans | 925.0000% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 5,658 |
| Noncurrent loans to loans | 0.1596% | 5,258 |
| Net loans and leases to total assets | 56.9801% | 4,199 |
| Net loans and leases to deposits | 63.4605% | 4,584 |
| Net loans and leases to core deposits | 70.5819% | 4,271 |
| Total domestic deposits to total assets | 89.7883% | 839 |
| Equity capital to assets | 7.9529% | 6,089 |
| Core capital (leverage) ratio | 7.9983% | 6,007 |
| Tier 1 risk-based capital ratio | 15.7956% | 3,065 |
| Total risk-based capital ratio | 17.0515% | 3,004 |
| Memoranda: |
| Average total assets | $84,961,600 | 4,942 |
| Average earning assets | $78,728,000 | 4,908 |
| Average equity | $6,745,600 | 5,471 |
| Average total loans | $48,626,600 | 4,866 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4273% | 5,545 |
| Cost of funding earning assets | 0.2590% | 5,318 |
| Net interest margin | 3.1683% | 5,063 |
| Noninterest income to average assets | 0.7142% | 2,263 |
| Noninterest expense to average assets | 3.2563% | 2,009 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3899% | 5,285 |
| Return on assets (ROA) | 0.3899% | 5,365 |
| Pretax return on assets | 0.3899% | 5,602 |
| Return on Equity (ROE) | 4.9127% | 4,761 |
| Retained earnings to average equity (ytd only) | 3.8656% | 3,902 |
| Net charge-offs to loans | -0.1624% | 6,260 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3076% | 893 |
| Assets per employee ($millions) | 4.8974% | 2,382 |
| Cash dividends to net income (ytd only)* | 21.3107% | 3,160 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2967% | 3,664 |
| Loan loss allowance to noncurrent loans | 175.2577% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4401% | 4,591 |
| Noncurrent loans to loans | 0.7399% | 3,758 |
| Net loans and leases to total assets | 58.7177% | 3,973 |
| Net loans and leases to deposits | 67.8962% | 4,137 |
| Net loans and leases to core deposits | 76.0445% | 3,736 |
| Total domestic deposits to total assets | 86.4816% | 2,597 |
| Equity capital to assets | 8.1131% | 6,069 |
| Core capital (leverage) ratio | 8.0580% | 6,027 |
| Tier 1 risk-based capital ratio | 16.5668% | 2,790 |
| Total risk-based capital ratio | 17.8212% | 2,737 |
| Memoranda: |
| Average total assets | $83,446,250 | 5,029 |
| Average earning assets | $77,220,500 | 4,996 |
| Average equity | $6,622,250 | 5,551 |
| Average total loans | $47,622,750 | 4,945 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3936% | 5,632 |
| Cost of funding earning assets | 0.2558% | 5,425 |
| Net interest margin | 3.1378% | 5,131 |
| Noninterest income to average assets | 0.6669% | 2,446 |
| Noninterest expense to average assets | 3.2170% | 2,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3566% | 5,384 |
| Return on assets (ROA) | 0.3566% | 5,451 |
| Pretax return on assets | 0.3566% | 5,665 |
| Return on Equity (ROE) | 4.5302% | 4,906 |
| Retained earnings to average equity (ytd only) | 3.4131% | 4,028 |
| Net charge-offs to loans | -0.2477% | 6,393 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0205% | 918 |
| Assets per employee ($millions) | 4.7409% | 2,550 |
| Cash dividends to net income (ytd only)* | 24.6575% | 3,014 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3598% | 3,542 |
| Loan loss allowance to noncurrent loans | 1,476.0870% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0539% | 6,026 |
| Noncurrent loans to loans | 0.0921% | 5,738 |
| Net loans and leases to total assets | 57.7171% | 4,025 |
| Net loans and leases to deposits | 66.5964% | 4,206 |
| Net loans and leases to core deposits | 72.4995% | 4,000 |
| Total domestic deposits to total assets | 86.6670% | 2,659 |
| Equity capital to assets | 8.2473% | 5,993 |
| Core capital (leverage) ratio | 8.3282% | 5,817 |
| Tier 1 risk-based capital ratio | 17.6216% | 2,374 |
| Total risk-based capital ratio | 18.8783% | 2,344 |
| Memoranda: |
| Average total assets | $81,877,000 | 5,114 |
| Average earning assets | $75,849,670 | 5,078 |
| Average equity | $6,445,670 | 5,616 |
| Average total loans | $46,016,330 | 5,029 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3507% | 5,751 |
| Cost of funding earning assets | 0.2428% | 5,658 |
| Net interest margin | 3.1079% | 5,224 |
| Noninterest income to average assets | 0.5490% | 3,054 |
| Noninterest expense to average assets | 3.2341% | 2,115 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1897% | 5,827 |
| Return on assets (ROA) | 0.1897% | 5,873 |
| Pretax return on assets | 0.1897% | 5,933 |
| Return on Equity (ROE) | 2.4717% | 5,639 |
| Retained earnings to average equity (ytd only) | 2.1465% | 4,744 |
| Net charge-offs to loans | -0.4903% | 6,557 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4606% | 725 |
| Assets per employee ($millions) | 4.4968% | 2,982 |
| Cash dividends to net income (ytd only)* | 13.1579% | 2,640 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4838% | 3,211 |
| Loan loss allowance to noncurrent loans | 1,502.2222% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 6,110 |
| Noncurrent loans to loans | 0.0988% | 5,829 |
| Net loans and leases to total assets | 55.4521% | 4,217 |
| Net loans and leases to deposits | 60.7682% | 4,683 |
| Net loans and leases to core deposits | 69.7292% | 4,124 |
| Total domestic deposits to total assets | 91.2518% | 466 |
| Equity capital to assets | 8.5654% | 5,584 |
| Core capital (leverage) ratio | 8.8766% | 5,166 |
| Tier 1 risk-based capital ratio | 21.2655% | 1,422 |
| Total risk-based capital ratio | 22.5254% | 1,398 |
| Memoranda: |
| Average total assets | $80,147,000 | 5,204 |
| Average earning assets | $74,133,500 | 5,175 |
| Average equity | $6,149,500 | 5,717 |
| Average total loans | $44,058,000 | 5,161 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4662% | 5,700 |
| Cost of funding earning assets | 0.2838% | 5,727 |
| Net interest margin | 3.1824% | 5,054 |
| Noninterest income to average assets | 0.7124% | 2,467 |
| Noninterest expense to average assets | 2.5880% | 4,506 |
| Loan and lease loss provision to assets | 0.2585% | 1,388 |
| Net operating income to assets | 0.8287% | 3,140 |
| Return on assets (ROA) | 0.8287% | 3,228 |
| Pretax return on assets | 0.8287% | 4,036 |
| Return on Equity (ROE) | 10.7939% | 1,831 |
| Retained earnings to average equity (ytd only) | 5.6495% | 2,187 |
| Net charge-offs to loans | 0.2313% | 2,606 |
| Credit loss provision to net charge-offs | 202.2472% | 1,132 |
| Earnings coverage of net charge-offs (x) | 8.5056% | 2,661 |
| Efficiency ratio | 70.4181% | 3,768 |
| Assets per employee ($millions) | 4.4084% | 3,069 |
| Cash dividends to net income (ytd only)* | 47.6603% | 2,394 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4616% | 3,371 |
| Loan loss allowance to noncurrent loans | 1,323.4043% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 6,182 |
| Noncurrent loans to loans | 0.1104% | 5,878 |
| Net loans and leases to total assets | 52.8455% | 4,743 |
| Net loans and leases to deposits | 60.7237% | 4,868 |
| Net loans and leases to core deposits | 67.7699% | 4,541 |
| Total domestic deposits to total assets | 87.0262% | 2,711 |
| Equity capital to assets | 6.7623% | 6,521 |
| Core capital (leverage) ratio | 7.3398% | 6,433 |
| Tier 1 risk-based capital ratio | 18.3528% | 2,132 |
| Total risk-based capital ratio | 19.5182% | 2,121 |
| Memoranda: |
| Average total assets | $69,628,600 | 5,492 |
| Average earning assets | $64,825,200 | 5,443 |
| Average equity | $5,345,600 | 5,975 |
| Average total loans | $38,482,600 | 5,413 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4784% | 5,736 |
| Cost of funding earning assets | 0.2962% | 5,764 |
| Net interest margin | 3.1822% | 5,052 |
| Noninterest income to average assets | 0.7639% | 2,301 |
| Noninterest expense to average assets | 2.6587% | 4,164 |
| Loan and lease loss provision to assets | 0.3571% | 885 |
| Net operating income to assets | 0.7322% | 3,686 |
| Return on assets (ROA) | 0.7322% | 3,816 |
| Pretax return on assets | 0.7322% | 4,569 |
| Return on Equity (ROE) | 9.2124% | 2,533 |
| Retained earnings to average equity (ytd only) | 4.1942% | 3,698 |
| Net charge-offs to loans | 0.1495% | 3,050 |
| Credit loss provision to net charge-offs | 428.5714% | 613 |
| Earnings coverage of net charge-offs (x) | 13.0711% | 2,068 |
| Efficiency ratio | 70.9370% | 3,615 |
| Assets per employee ($millions) | 3.9573% | 3,918 |
| Cash dividends to net income (ytd only)* | 54.4706% | 1,678 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7232% | 2,547 |
| Loan loss allowance to noncurrent loans | 1,393.7500% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 6,241 |
| Noncurrent loans to loans | 0.1236% | 5,961 |
| Net loans and leases to total assets | 53.5652% | 4,681 |
| Net loans and leases to deposits | 59.7339% | 5,006 |
| Net loans and leases to core deposits | 68.3328% | 4,499 |
| Total domestic deposits to total assets | 89.6730% | 1,184 |
| Equity capital to assets | 7.3479% | 6,442 |
| Core capital (leverage) ratio | 7.6241% | 6,397 |
| Tier 1 risk-based capital ratio | 21.2494% | 1,445 |
| Total risk-based capital ratio | 22.5198% | 1,407 |
| Memoranda: |
| Average total assets | $67,197,750 | 5,619 |
| Average earning assets | $63,015,250 | 5,562 |
| Average equity | $5,340,500 | 6,050 |
| Average total loans | $37,464,250 | 5,497 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5261% | 5,639 |
| Cost of funding earning assets | 0.3149% | 5,717 |
| Net interest margin | 3.2112% | 4,908 |
| Noninterest income to average assets | 0.9142% | 1,770 |
| Noninterest expense to average assets | 2.6665% | 4,155 |
| Loan and lease loss provision to assets | 0.3644% | 905 |
| Net operating income to assets | 0.8868% | 2,864 |
| Return on assets (ROA) | 0.8868% | 3,020 |
| Pretax return on assets | 0.8868% | 3,960 |
| Return on Equity (ROE) | 10.8631% | 1,857 |
| Retained earnings to average equity (ytd only) | 6.0268% | 2,424 |
| Net charge-offs to loans | 0.2756% | 2,100 |
| Credit loss provision to net charge-offs | 235.2941% | 1,058 |
| Earnings coverage of net charge-offs (x) | 8.0784% | 2,459 |
| Efficiency ratio | 68.0620% | 4,175 |
| Assets per employee ($millions) | 4.2394% | 3,272 |
| Cash dividends to net income (ytd only)* | 44.5205% | 2,076 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6751% | 2,876 |
| Loan loss allowance to noncurrent loans | 2,400.0000% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 6,404 |
| Noncurrent loans to loans | 0.0698% | 6,187 |
| Net loans and leases to total assets | 51.9225% | 4,875 |
| Net loans and leases to deposits | 61.9660% | 4,749 |
| Net loans and leases to core deposits | 66.0782% | 4,679 |
| Total domestic deposits to total assets | 83.7918% | 4,414 |
| Equity capital to assets | 7.8476% | 6,297 |
| Core capital (leverage) ratio | 7.9487% | 6,220 |
| Tier 1 risk-based capital ratio | 24.1630% | 983 |
| Total risk-based capital ratio | 25.4294% | 956 |
| Memoranda: |
| Average total assets | $65,853,330 | 5,696 |
| Average earning assets | $61,597,330 | 5,649 |
| Average equity | $5,376,000 | 6,087 |
| Average total loans | $37,011,000 | 5,541 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6925% | 5,195 |
| Cost of funding earning assets | 0.3256% | 5,757 |
| Net interest margin | 3.3669% | 4,247 |
| Noninterest income to average assets | 0.5180% | 3,647 |
| Noninterest expense to average assets | 2.5530% | 4,557 |
| Loan and lease loss provision to assets | 0.3700% | 864 |
| Net operating income to assets | 0.7832% | 3,259 |
| Return on assets (ROA) | 0.7832% | 3,395 |
| Pretax return on assets | 0.7832% | 4,237 |
| Return on Equity (ROE) | 9.4031% | 2,316 |
| Retained earnings to average equity (ytd only) | 6.1453% | 2,603 |
| Net charge-offs to loans | 0.2446% | 1,987 |
| Credit loss provision to net charge-offs | 260.8696% | 890 |
| Earnings coverage of net charge-offs (x) | 8.1304% | 1,975 |
| Efficiency ratio | 68.8852% | 4,163 |
| Assets per employee ($millions) | 3.6494% | 4,679 |
| Cash dividends to net income (ytd only)* | 34.6457% | 1,976 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5085% | 3,790 |
| Loan loss allowance to noncurrent loans | 2,103.7037% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 6,480 |
| Noncurrent loans to loans | 0.0717% | 6,268 |
| Net loans and leases to total assets | 56.4554% | 4,017 |
| Net loans and leases to deposits | 62.2984% | 4,502 |
| Net loans and leases to core deposits | 65.9219% | 4,541 |
| Total domestic deposits to total assets | 90.6210% | 707 |
| Equity capital to assets | 8.1505% | 6,297 |
| Core capital (leverage) ratio | 7.9385% | 6,192 |
| Tier 1 risk-based capital ratio | 26.2007% | 768 |
| Total risk-based capital ratio | 27.4383% | 755 |
| Memoranda: |
| Average total assets | $64,865,000 | 5,780 |
| Average earning assets | $61,421,500 | 5,697 |
| Average equity | $5,402,500 | 6,142 |
| Average total loans | $37,607,000 | 5,560 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8731% | 5,657 |
| Cost of funding earning assets | 0.3871% | 6,001 |
| Net interest margin | 3.4860% | 4,551 |
| Noninterest income to average assets | 0.5784% | 3,397 |
| Noninterest expense to average assets | 2.5925% | 4,765 |
| Loan and lease loss provision to assets | 0.2361% | 2,773 |
| Net operating income to assets | 1.0744% | 2,041 |
| Return on assets (ROA) | 1.9602% | 422 |
| Pretax return on assets | 1.9602% | 657 |
| Return on Equity (ROE) | 23.9135% | 158 |
| Retained earnings to average equity (ytd only) | 13.4163% | 228 |
| Net charge-offs to loans | 0.1862% | 3,889 |
| Credit loss provision to net charge-offs | 212.8571% | 1,194 |
| Earnings coverage of net charge-offs (x) | 11.8143% | 1,996 |
| Efficiency ratio | 66.4231% | 4,425 |
| Assets per employee ($millions) | 4.0026% | 3,941 |
| Cash dividends to net income (ytd only)* | 43.8965% | 2,646 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4137% | 4,105 |
| Loan loss allowance to noncurrent loans | 116.7033% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.7105% | 4,705 |
| Noncurrent loans to loans | 1.2114% | 3,829 |
| Net loans and leases to total assets | 57.8223% | 4,008 |
| Net loans and leases to deposits | 63.5185% | 4,596 |
| Net loans and leases to core deposits | 66.8074% | 4,656 |
| Total domestic deposits to total assets | 91.0323% | 480 |
| Equity capital to assets | 8.5117% | 6,040 |
| Core capital (leverage) ratio | 7.9894% | 6,203 |
| Tier 1 risk-based capital ratio | 27.0411% | 687 |
| Total risk-based capital ratio | 28.3070% | 674 |
| Memoranda: |
| Average total assets | $63,106,000 | 5,853 |
| Average earning assets | $60,183,800 | 5,738 |
| Average equity | $5,172,800 | 6,253 |
| Average total loans | $37,596,400 | 5,609 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8376% | 5,933 |
| Cost of funding earning assets | 0.4050% | 6,088 |
| Net interest margin | 3.4326% | 4,912 |
| Noninterest income to average assets | 0.6150% | 3,189 |
| Noninterest expense to average assets | 2.5639% | 4,864 |
| Loan and lease loss provision to assets | 0.1315% | 3,904 |
| Net operating income to assets | 1.2088% | 1,702 |
| Return on assets (ROA) | 1.8577% | 580 |
| Pretax return on assets | 1.8577% | 950 |
| Return on Equity (ROE) | 22.8868% | 197 |
| Retained earnings to average equity (ytd only) | 14.2129% | 287 |
| Net charge-offs to loans | 0.0425% | 5,056 |
| Credit loss provision to net charge-offs | 516.6667% | 519 |
| Earnings coverage of net charge-offs (x) | 52.6656% | 723 |
| Efficiency ratio | 65.6708% | 4,512 |
| Assets per employee ($millions) | 3.8041% | 4,295 |
| Cash dividends to net income (ytd only)* | 37.8999% | 2,296 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2870% | 4,872 |
| Loan loss allowance to noncurrent loans | 70.1117% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 1.1072% | 4,087 |
| Noncurrent loans to loans | 1.8356% | 3,026 |
| Net loans and leases to total assets | 59.5392% | 3,870 |
| Net loans and leases to deposits | 66.1797% | 4,449 |
| Net loans and leases to core deposits | 69.7637% | 4,524 |
| Total domestic deposits to total assets | 89.9660% | 863 |
| Equity capital to assets | 8.1924% | 6,490 |
| Core capital (leverage) ratio | 7.9490% | 6,365 |
| Tier 1 risk-based capital ratio | 27.8019% | 674 |
| Total risk-based capital ratio | 29.0190% | 664 |
| Memoranda: |
| Average total assets | $62,872,250 | 5,920 |
| Average earning assets | $60,243,750 | 5,795 |
| Average equity | $5,103,250 | 6,334 |
| Average total loans | $37,605,250 | 5,674 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9684% | 5,738 |
| Cost of funding earning assets | 0.4197% | 6,169 |
| Net interest margin | 3.5487% | 4,470 |
| Noninterest income to average assets | 0.5267% | 3,743 |
| Noninterest expense to average assets | 2.6079% | 4,748 |
| Loan and lease loss provision to assets | 0.0707% | 4,744 |
| Net operating income to assets | 1.2429% | 1,578 |
| Return on assets (ROA) | 1.8306% | 601 |
| Pretax return on assets | 1.8306% | 981 |
| Return on Equity (ROE) | 22.6265% | 225 |
| Retained earnings to average equity (ytd only) | 17.8631% | 150 |
| Net charge-offs to loans | -0.0862% | 6,824 |
| Credit loss provision to net charge-offs | -137.5000% | 6,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5029% | 4,425 |
| Assets per employee ($millions) | 3.8634% | 4,159 |
| Cash dividends to net income (ytd only)* | 21.0526% | 2,946 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2657% | 5,058 |
| Loan loss allowance to noncurrent loans | 201.6461% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.5144% | 5,475 |
| Noncurrent loans to loans | 0.6277% | 5,253 |
| Net loans and leases to total assets | 61.8345% | 3,473 |
| Net loans and leases to deposits | 68.6711% | 4,094 |
| Net loans and leases to core deposits | 72.0115% | 4,294 |
| Total domestic deposits to total assets | 90.0445% | 897 |
| Equity capital to assets | 8.4041% | 6,301 |
| Core capital (leverage) ratio | 7.8119% | 6,442 |
| Tier 1 risk-based capital ratio | 24.9871% | 901 |
| Total risk-based capital ratio | 26.1900% | 893 |
| Memoranda: |
| Average total assets | $62,273,000 | 5,969 |
| Average earning assets | $59,570,670 | 5,857 |
| Average equity | $5,038,330 | 6,379 |
| Average total loans | $37,138,330 | 5,729 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8708% | 6,085 |
| Cost of funding earning assets | 0.4353% | 6,227 |
| Net interest margin | 3.4355% | 4,979 |
| Noninterest income to average assets | 0.4096% | 4,598 |
| Noninterest expense to average assets | 2.6367% | 4,677 |
| Loan and lease loss provision to assets | 0.0704% | 4,521 |
| Net operating income to assets | 0.9856% | 2,534 |
| Return on assets (ROA) | 1.5616% | 1,029 |
| Pretax return on assets | 1.5616% | 1,700 |
| Return on Equity (ROE) | 19.6774% | 405 |
| Retained earnings to average equity (ytd only) | 19.6774% | 199 |
| Net charge-offs to loans | -0.1651% | 6,944 |
| Credit loss provision to net charge-offs | -73.3333% | 5,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4038% | 3,552 |
| Assets per employee ($millions) | 4.0959% | 3,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3066% | 4,991 |
| Loan loss allowance to noncurrent loans | 185.9922% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 5,595 |
| Noncurrent loans to loans | 0.7025% | 5,257 |
| Net loans and leases to total assets | 55.0942% | 4,541 |
| Net loans and leases to deposits | 63.6723% | 4,679 |
| Net loans and leases to core deposits | 67.0057% | 4,798 |
| Total domestic deposits to total assets | 86.5278% | 3,223 |
| Equity capital to assets | 7.6860% | 6,699 |
| Core capital (leverage) ratio | 7.5038% | 6,628 |
| Tier 1 risk-based capital ratio | 23.2809% | 1,098 |
| Total risk-based capital ratio | 24.5467% | 1,075 |
| Memoranda: |
| Average total assets | $62,502,000 | 5,995 |
| Average earning assets | $59,728,500 | 5,887 |
| Average equity | $4,960,000 | 6,435 |
| Average total loans | $36,351,000 | 5,805 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1071% | 6,272 |
| Cost of funding earning assets | 0.5529% | 6,326 |
| Net interest margin | 3.5543% | 4,911 |
| Noninterest income to average assets | 0.5152% | 3,747 |
| Noninterest expense to average assets | 2.6421% | 4,953 |
| Loan and lease loss provision to assets | -0.0838% | 7,269 |
| Net operating income to assets | 1.3264% | 1,181 |
| Return on assets (ROA) | 1.3264% | 1,274 |
| Pretax return on assets | 1.3264% | 2,031 |
| Return on Equity (ROE) | 16.7402% | 500 |
| Retained earnings to average equity (ytd only) | 6.0751% | 1,973 |
| Net charge-offs to loans | -0.3046% | 7,247 |
| Credit loss provision to net charge-offs | 48.4536% | 5,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0128% | 4,354 |
| Assets per employee ($millions) | 3.7168% | 4,517 |
| Cash dividends to net income (ytd only)* | 63.7097% | 1,399 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2515% | 5,161 |
| Loan loss allowance to noncurrent loans | 152.1886% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.6255% | 5,400 |
| Noncurrent loans to loans | 0.8223% | 5,042 |
| Net loans and leases to total assets | 59.9741% | 3,996 |
| Net loans and leases to deposits | 65.4734% | 4,808 |
| Net loans and leases to core deposits | 69.3109% | 4,874 |
| Total domestic deposits to total assets | 91.6007% | 307 |
| Equity capital to assets | 8.2110% | 6,428 |
| Core capital (leverage) ratio | 7.4108% | 6,697 |
| Tier 1 risk-based capital ratio | 22.4587% | 1,174 |
| Total risk-based capital ratio | 23.7223% | 1,142 |
| Memoranda: |
| Average total assets | $56,091,000 | 6,160 |
| Average earning assets | $53,175,600 | 6,072 |
| Average equity | $4,444,400 | 6,618 |
| Average total loans | $31,842,400 | 6,078 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0469% | 6,510 |
| Cost of funding earning assets | 0.5807% | 6,376 |
| Net interest margin | 3.4662% | 5,325 |
| Noninterest income to average assets | 0.5454% | 3,545 |
| Noninterest expense to average assets | 2.6643% | 4,858 |
| Loan and lease loss provision to assets | -0.1327% | 7,368 |
| Net operating income to assets | 1.2984% | 1,375 |
| Return on assets (ROA) | 1.2984% | 1,471 |
| Pretax return on assets | 1.2984% | 2,292 |
| Return on Equity (ROE) | 16.5481% | 606 |
| Retained earnings to average equity (ytd only) | 8.1202% | 1,464 |
| Net charge-offs to loans | -0.3856% | 7,327 |
| Credit loss provision to net charge-offs | 61.7978% | 4,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5652% | 4,027 |
| Assets per employee ($millions) | 3.8933% | 4,087 |
| Cash dividends to net income (ytd only)* | 50.9285% | 1,545 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2925% | 5,043 |
| Loan loss allowance to noncurrent loans | 201.8519% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 5,841 |
| Noncurrent loans to loans | 0.6403% | 5,609 |
| Net loans and leases to total assets | 57.0147% | 4,682 |
| Net loans and leases to deposits | 62.2495% | 5,371 |
| Net loans and leases to core deposits | 67.4718% | 5,243 |
| Total domestic deposits to total assets | 91.5906% | 276 |
| Equity capital to assets | 8.0464% | 6,668 |
| Core capital (leverage) ratio | 7.6370% | 6,679 |
| Tier 1 risk-based capital ratio | 24.4249% | 963 |
| Total risk-based capital ratio | 25.6893% | 947 |
| Memoranda: |
| Average total assets | $55,246,500 | 6,235 |
| Average earning assets | $52,351,250 | 6,155 |
| Average equity | $4,334,750 | 6,696 |
| Average total loans | $30,773,500 | 6,185 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0391% | 6,599 |
| Cost of funding earning assets | 0.6004% | 6,465 |
| Net interest margin | 3.4387% | 5,413 |
| Noninterest income to average assets | 0.4687% | 4,125 |
| Noninterest expense to average assets | 2.8047% | 4,411 |
| Loan and lease loss provision to assets | -0.2325% | 7,455 |
| Net operating income to assets | 1.1514% | 1,713 |
| Return on assets (ROA) | 1.1514% | 1,795 |
| Pretax return on assets | 1.1514% | 2,665 |
| Return on Equity (ROE) | 14.8101% | 833 |
| Retained earnings to average equity (ytd only) | 1.8038% | 5,093 |
| Net charge-offs to loans | -0.6110% | 7,417 |
| Credit loss provision to net charge-offs | 69.2308% | 4,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3221% | 3,133 |
| Assets per employee ($millions) | 3.7185% | 4,387 |
| Cash dividends to net income (ytd only)* | 87.8205% | 633 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3693% | 4,735 |
| Loan loss allowance to noncurrent loans | 95.7684% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.9395% | 4,985 |
| Noncurrent loans to loans | 1.4298% | 4,269 |
| Net loans and leases to total assets | 55.5319% | 5,063 |
| Net loans and leases to deposits | 60.5683% | 5,664 |
| Net loans and leases to core deposits | 65.4717% | 5,567 |
| Total domestic deposits to total assets | 91.6847% | 301 |
| Equity capital to assets | 7.7648% | 6,829 |
| Core capital (leverage) ratio | 7.4076% | 6,803 |
| Tier 1 risk-based capital ratio | 24.5906% | 946 |
| Total risk-based capital ratio | 25.8559% | 924 |
| Memoranda: |
| Average total assets | $54,195,670 | 6,324 |
| Average earning assets | $51,298,000 | 6,243 |
| Average equity | $4,213,330 | 6,778 |
| Average total loans | $29,787,330 | 6,290 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0559% | 6,592 |
| Cost of funding earning assets | 0.6167% | 6,538 |
| Net interest margin | 3.4392% | 5,267 |
| Noninterest income to average assets | 0.3820% | 4,857 |
| Noninterest expense to average assets | 2.9211% | 3,980 |
| Loan and lease loss provision to assets | -0.5243% | 7,539 |
| Net operating income to assets | 1.2433% | 1,406 |
| Return on assets (ROA) | 1.2433% | 1,458 |
| Pretax return on assets | 1.2433% | 2,222 |
| Return on Equity (ROE) | 15.9827% | 678 |
| Retained earnings to average equity (ytd only) | 2.3107% | 4,767 |
| Net charge-offs to loans | -1.0352% | 7,489 |
| Credit loss provision to net charge-offs | 93.3333% | 2,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2469% | 2,483 |
| Assets per employee ($millions) | 3.5138% | 4,960 |
| Cash dividends to net income (ytd only)* | 85.5422% | 753 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4022% | 4,656 |
| Loan loss allowance to noncurrent loans | 178.5088% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.5390% | 5,888 |
| Noncurrent loans to loans | 0.7855% | 5,464 |
| Net loans and leases to total assets | 50.9054% | 5,723 |
| Net loans and leases to deposits | 55.3602% | 6,187 |
| Net loans and leases to core deposits | 59.9000% | 6,101 |
| Total domestic deposits to total assets | 91.9530% | 301 |
| Equity capital to assets | 7.5418% | 6,848 |
| Core capital (leverage) ratio | 7.7365% | 6,524 |
| Tier 1 risk-based capital ratio | 21.0770% | 1,379 |
| Total risk-based capital ratio | 22.3380% | 1,347 |
| Memoranda: |
| Average total assets | $53,405,000 | 6,397 |
| Average earning assets | $50,592,500 | 6,325 |
| Average equity | $4,154,500 | 6,830 |
| Average total loans | $28,979,000 | 6,373 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4691% | 6,469 |
| Cost of funding earning assets | 0.7790% | 6,651 |
| Net interest margin | 3.6901% | 4,388 |
| Noninterest income to average assets | 0.4564% | 4,467 |
| Noninterest expense to average assets | 2.9468% | 4,045 |
| Loan and lease loss provision to assets | -0.0521% | 7,593 |
| Net operating income to assets | 1.0489% | 1,878 |
| Return on assets (ROA) | 1.0390% | 2,018 |
| Pretax return on assets | 1.0510% | 2,773 |
| Return on Equity (ROE) | 12.1802% | 1,284 |
| Retained earnings to average equity (ytd only) | -3.1448% | 6,107 |
| Net charge-offs to loans | 0.0469% | 6,333 |
| Credit loss provision to net charge-offs | -185.7143% | 7,060 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 632 |
| Efficiency ratio | 74.4939% | 3,297 |
| Assets per employee ($millions) | 3.1619% | 5,751 |
| Cash dividends to net income (ytd only)* | 125.8189% | 227 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3895% | 4,566 |
| Loan loss allowance to noncurrent loans | 73.8971% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.2236% | 4,577 |
| Noncurrent loans to loans | 1.8803% | 3,710 |
| Net loans and leases to total assets | 56.3945% | 5,279 |
| Net loans and leases to deposits | 61.7720% | 5,867 |
| Net loans and leases to core deposits | 69.3166% | 5,508 |
| Total domestic deposits to total assets | 91.2947% | 462 |
| Equity capital to assets | 8.0431% | 6,451 |
| Core capital (leverage) ratio | 8.0964% | 6,024 |
| Tier 1 risk-based capital ratio | 19.8010% | 1,525 |
| Total risk-based capital ratio | 21.0602% | 1,493 |
| Memoranda: |
| Average total assets | $49,951,800 | 6,536 |
| Average earning assets | $47,369,600 | 6,461 |
| Average equity | $4,261,000 | 6,898 |
| Average total loans | $29,834,200 | 6,405 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5630% | 6,433 |
| Cost of funding earning assets | 0.8037% | 6,750 |
| Net interest margin | 3.7592% | 4,147 |
| Noninterest income to average assets | 0.4954% | 4,225 |
| Noninterest expense to average assets | 2.8304% | 4,349 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2344% | 1,501 |
| Return on assets (ROA) | 1.2210% | 1,610 |
| Pretax return on assets | 1.2210% | 2,418 |
| Return on Equity (ROE) | 14.1095% | 1,007 |
| Retained earnings to average equity (ytd only) | -2.8466% | 6,330 |
| Net charge-offs to loans | 0.0754% | 5,765 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 27.1129% | 943 |
| Efficiency ratio | 69.6311% | 4,146 |
| Assets per employee ($millions) | 3.0549% | 6,014 |
| Cash dividends to net income (ytd only)* | 120.1767% | 213 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4375% | 4,274 |
| Loan loss allowance to noncurrent loans | 73.2759% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.3871% | 4,381 |
| Noncurrent loans to loans | 1.9617% | 3,732 |
| Net loans and leases to total assets | 59.6187% | 4,978 |
| Net loans and leases to deposits | 66.4137% | 5,622 |
| Net loans and leases to core deposits | 76.9481% | 4,928 |
| Total domestic deposits to total assets | 89.7686% | 989 |
| Equity capital to assets | 8.8729% | 5,741 |
| Core capital (leverage) ratio | 8.4612% | 5,576 |
| Tier 1 risk-based capital ratio | 19.5813% | 1,630 |
| Total risk-based capital ratio | 20.8422% | 1,598 |
| Memoranda: |
| Average total assets | $49,792,250 | 6,625 |
| Average earning assets | $47,278,000 | 6,544 |
| Average equity | $4,309,000 | 6,981 |
| Average total loans | $30,059,750 | 6,475 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6534% | 6,302 |
| Cost of funding earning assets | 0.8331% | 6,811 |
| Net interest margin | 3.8204% | 3,809 |
| Noninterest income to average assets | 0.5430% | 3,768 |
| Noninterest expense to average assets | 2.8465% | 4,280 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3214% | 1,255 |
| Return on assets (ROA) | 1.3015% | 1,366 |
| Pretax return on assets | 1.3015% | 2,079 |
| Return on Equity (ROE) | 15.1640% | 824 |
| Retained earnings to average equity (ytd only) | 1.2559% | 5,252 |
| Net charge-offs to loans | 0.1257% | 4,941 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 17.4211% | 1,345 |
| Efficiency ratio | 68.2950% | 4,524 |
| Assets per employee ($millions) | 3.1607% | 5,762 |
| Cash dividends to net income (ytd only)* | 91.7178% | 557 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3657% | 4,596 |
| Loan loss allowance to noncurrent loans | 64.6789% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 1.5701% | 4,103 |
| Noncurrent loans to loans | 2.1116% | 3,580 |
| Net loans and leases to total assets | 60.4081% | 4,986 |
| Net loans and leases to deposits | 67.4937% | 5,613 |
| Net loans and leases to core deposits | 82.0063% | 4,415 |
| Total domestic deposits to total assets | 89.5019% | 1,177 |
| Equity capital to assets | 8.5859% | 6,041 |
| Core capital (leverage) ratio | 8.5204% | 5,372 |
| Tier 1 risk-based capital ratio | 19.5390% | 1,597 |
| Total risk-based capital ratio | 20.7987% | 1,569 |
| Memoranda: |
| Average total assets | $50,096,670 | 6,643 |
| Average earning assets | $47,534,670 | 6,572 |
| Average equity | $4,299,670 | 7,012 |
| Average total loans | $30,224,330 | 6,514 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6192% | 6,507 |
| Cost of funding earning assets | 0.8661% | 6,885 |
| Net interest margin | 3.7531% | 3,993 |
| Noninterest income to average assets | 0.6097% | 3,214 |
| Noninterest expense to average assets | 2.7918% | 4,509 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3638% | 1,155 |
| Return on assets (ROA) | 1.3638% | 1,224 |
| Pretax return on assets | 1.3638% | 1,866 |
| Return on Equity (ROE) | 15.8934% | 734 |
| Retained earnings to average equity (ytd only) | 4.4876% | 3,470 |
| Net charge-offs to loans | -0.2546% | 7,715 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1815% | 4,882 |
| Assets per employee ($millions) | 3.1083% | 5,980 |
| Cash dividends to net income (ytd only)* | 71.7647% | 997 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4750% | 4,043 |
| Loan loss allowance to noncurrent loans | 35.5710% | 6,006 |
| Noncurrent assets plus other real estate owned to assets | 2.8392% | 2,548 |
| Noncurrent loans to loans | 4.1465% | 1,858 |
| Net loans and leases to total assets | 61.9199% | 4,775 |
| Net loans and leases to deposits | 68.0185% | 5,585 |
| Net loans and leases to core deposits | 84.1527% | 4,177 |
| Total domestic deposits to total assets | 91.0339% | 527 |
| Equity capital to assets | 8.6705% | 5,772 |
| Core capital (leverage) ratio | 8.6580% | 5,097 |
| Tier 1 risk-based capital ratio | 19.9684% | 1,528 |
| Total risk-based capital ratio | 21.2310% | 1,494 |
| Memoranda: |
| Average total assets | $49,859,500 | 6,733 |
| Average earning assets | $47,108,000 | 6,662 |
| Average equity | $4,278,500 | 7,083 |
| Average total loans | $29,850,500 | 6,613 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1650% | 5,813 |
| Cost of funding earning assets | 1.2276% | 6,559 |
| Net interest margin | 3.9373% | 3,132 |
| Noninterest income to average assets | 0.5663% | 3,899 |
| Noninterest expense to average assets | 2.9140% | 4,492 |
| Loan and lease loss provision to assets | 0.7653% | 2,816 |
| Net operating income to assets | 0.7213% | 2,851 |
| Return on assets (ROA) | 1.0198% | 1,822 |
| Pretax return on assets | 0.9165% | 2,873 |
| Return on Equity (ROE) | 12.4678% | 1,059 |
| Retained earnings to average equity (ytd only) | 0.2573% | 4,764 |
| Net charge-offs to loans | 0.7298% | 3,008 |
| Credit loss provision to net charge-offs | 210.5263% | 1,822 |
| Earnings coverage of net charge-offs (x) | 3.8053% | 3,189 |
| Efficiency ratio | 67.8094% | 5,040 |
| Assets per employee ($millions) | 3.1242% | 5,930 |
| Cash dividends to net income (ytd only)* | 97.9362% | 680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5538% | 3,457 |
| Loan loss allowance to noncurrent loans | 30.4408% | 6,438 |
| Noncurrent assets plus other real estate owned to assets | 3.1368% | 2,202 |
| Noncurrent loans to loans | 5.1044% | 1,311 |
| Net loans and leases to total assets | 56.0226% | 5,949 |
| Net loans and leases to deposits | 61.4568% | 6,517 |
| Net loans and leases to core deposits | 80.3097% | 6,061 |
| Total domestic deposits to total assets | 91.1577% | 475 |
| Equity capital to assets | 8.4922% | 5,888 |
| Core capital (leverage) ratio | 8.2439% | 5,737 |
| Tier 1 risk-based capital ratio | 18.9648% | 1,660 |
| Total risk-based capital ratio | 20.2220% | 1,625 |
| Memoranda: |
| Average total assets | $52,265,000 | 6,626 |
| Average earning assets | $49,526,000 | 6,542 |
| Average equity | $4,275,000 | 7,185 |
| Average total loans | $26,034,400 | 6,850 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2652% | 5,596 |
| Cost of funding earning assets | 1.3070% | 6,538 |
| Net interest margin | 3.9582% | 2,998 |
| Noninterest income to average assets | 0.5426% | 4,136 |
| Noninterest expense to average assets | 2.8995% | 4,455 |
| Loan and lease loss provision to assets | 0.8959% | 2,149 |
| Net operating income to assets | 0.5072% | 3,950 |
| Return on assets (ROA) | 0.8959% | 2,504 |
| Pretax return on assets | 0.8959% | 3,239 |
| Return on Equity (ROE) | 11.0524% | 1,607 |
| Retained earnings to average equity (ytd only) | -2.8642% | 5,914 |
| Net charge-offs to loans | -0.1363% | 7,942 |
| Credit loss provision to net charge-offs | -1,365.3846% | 7,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3900% | 5,105 |
| Assets per employee ($millions) | 3.6177% | 4,638 |
| Cash dividends to net income (ytd only)* | 125.9169% | 376 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2738% | 1,325 |
| Loan loss allowance to noncurrent loans | 59.1128% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 2.1247% | 3,194 |
| Noncurrent loans to loans | 3.8466% | 1,930 |
| Net loans and leases to total assets | 48.5497% | 6,903 |
| Net loans and leases to deposits | 54.0508% | 7,215 |
| Net loans and leases to core deposits | 72.7830% | 6,793 |
| Total domestic deposits to total assets | 89.8224% | 837 |
| Equity capital to assets | 7.7360% | 7,116 |
| Core capital (leverage) ratio | 7.8791% | 6,529 |
| Tier 1 risk-based capital ratio | 18.0667% | 1,967 |
| Total risk-based capital ratio | 19.3332% | 1,917 |
| Memoranda: |
| Average total assets | $52,834,500 | 6,646 |
| Average earning assets | $50,190,000 | 6,572 |
| Average equity | $4,282,500 | 7,256 |
| Average total loans | $25,431,500 | 6,944 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3305% | 5,497 |
| Cost of funding earning assets | 1.4185% | 6,422 |
| Net interest margin | 3.9120% | 3,050 |
| Noninterest income to average assets | 0.5195% | 4,275 |
| Noninterest expense to average assets | 2.8726% | 4,618 |
| Loan and lease loss provision to assets | 0.4584% | 3,235 |
| Net operating income to assets | 0.8862% | 2,512 |
| Return on assets (ROA) | 0.9932% | 2,230 |
| Pretax return on assets | 0.9932% | 3,039 |
| Return on Equity (ROE) | 12.0631% | 1,390 |
| Retained earnings to average equity (ytd only) | -3.0158% | 5,976 |
| Net charge-offs to loans | -0.0481% | 7,841 |
| Credit loss provision to net charge-offs | -2,000.0000% | 7,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1159% | 5,140 |
| Assets per employee ($millions) | 2.8870% | 6,426 |
| Cash dividends to net income (ytd only)* | 125.0000% | 475 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3261% | 4,118 |
| Loan loss allowance to noncurrent loans | 158.4071% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.5253% | 6,118 |
| Noncurrent loans to loans | 0.8371% | 5,548 |
| Net loans and leases to total assets | 51.2624% | 6,759 |
| Net loans and leases to deposits | 56.3955% | 7,137 |
| Net loans and leases to core deposits | 74.0219% | 6,791 |
| Total domestic deposits to total assets | 90.8979% | 491 |
| Equity capital to assets | 8.1611% | 6,548 |
| Core capital (leverage) ratio | 7.9168% | 6,462 |
| Tier 1 risk-based capital ratio | 17.0517% | 2,285 |
| Total risk-based capital ratio | 18.2842% | 2,242 |
| Memoranda: |
| Average total assets | $52,357,330 | 6,731 |
| Average earning assets | $49,488,330 | 6,653 |
| Average equity | $4,310,670 | 7,306 |
| Average total loans | $24,922,330 | 7,034 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3226% | 5,797 |
| Cost of funding earning assets | 1.5335% | 6,297 |
| Net interest margin | 3.7891% | 3,496 |
| Noninterest income to average assets | 0.4947% | 4,367 |
| Noninterest expense to average assets | 2.6716% | 5,144 |
| Loan and lease loss provision to assets | 0.4567% | 2,643 |
| Net operating income to assets | 0.9210% | 2,611 |
| Return on assets (ROA) | 0.9819% | 2,522 |
| Pretax return on assets | 0.9819% | 3,414 |
| Return on Equity (ROE) | 11.8744% | 1,703 |
| Retained earnings to average equity (ytd only) | -6.5355% | 6,746 |
| Net charge-offs to loans | -0.9713% | 8,157 |
| Credit loss provision to net charge-offs | -103.4483% | 6,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9774% | 5,337 |
| Assets per employee ($millions) | 3.3349% | 5,233 |
| Cash dividends to net income (ytd only)* | 155.0388% | 445 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4391% | 3,296 |
| Loan loss allowance to noncurrent loans | 131.5789% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.5098% | 5,940 |
| Noncurrent loans to loans | 1.0937% | 4,801 |
| Net loans and leases to total assets | 44.9240% | 7,271 |
| Net loans and leases to deposits | 49.1602% | 7,531 |
| Net loans and leases to core deposits | 62.2801% | 7,378 |
| Total domestic deposits to total assets | 91.3829% | 301 |
| Equity capital to assets | 8.0361% | 6,755 |
| Core capital (leverage) ratio | 7.9385% | 6,562 |
| Tier 1 risk-based capital ratio | 16.6387% | 2,467 |
| Total risk-based capital ratio | 17.8910% | 2,394 |
| Memoranda: |
| Average total assets | $52,553,000 | 6,756 |
| Average earning assets | $49,299,000 | 6,696 |
| Average equity | $4,345,500 | 7,339 |
| Average total loans | $23,885,000 | 7,139 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1575% | 4,743 |
| Cost of funding earning assets | 2.0863% | 6,108 |
| Net interest margin | 4.0712% | 2,827 |
| Noninterest income to average assets | 0.6031% | 3,823 |
| Noninterest expense to average assets | 2.9431% | 4,284 |
| Loan and lease loss provision to assets | -0.0330% | 8,226 |
| Net operating income to assets | 1.5211% | 976 |
| Return on assets (ROA) | 1.5233% | 941 |
| Pretax return on assets | 1.4925% | 1,708 |
| Return on Equity (ROE) | 16.2335% | 738 |
| Retained earnings to average equity (ytd only) | 3.8003% | 2,768 |
| Net charge-offs to loans | 0.9988% | 1,242 |
| Credit loss provision to net charge-offs | -6.3291% | 7,266 |
| Earnings coverage of net charge-offs (x) | 2.7932% | 4,691 |
| Efficiency ratio | 66.8834% | 4,926 |
| Assets per employee ($millions) | 3.0439% | 5,947 |
| Cash dividends to net income (ytd only)* | 76.5896% | 1,873 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9894% | 6,149 |
| Loan loss allowance to noncurrent loans | 136.4706% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.3401% | 6,241 |
| Noncurrent loans to loans | 0.7250% | 5,221 |
| Net loans and leases to total assets | 44.8664% | 7,411 |
| Net loans and leases to deposits | 50.0539% | 7,627 |
| Net loans and leases to core deposits | 57.5647% | 7,685 |
| Total domestic deposits to total assets | 89.6361% | 789 |
| Equity capital to assets | 8.5087% | 6,069 |
| Core capital (leverage) ratio | 8.3586% | 5,837 |
| Tier 1 risk-based capital ratio | 16.8567% | 2,358 |
| Total risk-based capital ratio | 17.7784% | 2,407 |
| Memoranda: |
| Average total assets | $45,428,400 | 6,960 |
| Average earning assets | $42,371,000 | 6,932 |
| Average equity | $4,262,800 | 7,410 |
| Average total loans | $23,728,400 | 7,090 |
