| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2456% | 189 |
| Cost of funding earning assets | 1.3914% | 2,252 |
| Net interest margin | 5.8542% | 127 |
| Noninterest income to average assets | 0.7300% | 1,109 |
| Noninterest expense to average assets | 3.8478% | 414 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 2.1640% | 360 |
| Return on assets (ROA) | 2.1640% | 352 |
| Pretax return on assets | 2.1640% | 515 |
| Return on Equity (ROE) | 22.4100% | 435 |
| Retained earnings to average equity (ytd only) | 5.5771% | 2,384 |
| Net charge-offs to loans | 0.0048% | 2,544 |
| Credit loss provision to net charge-offs | 2,850.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 626.0000% | 235 |
| Efficiency ratio | 62.9235% | 2,736 |
| Assets per employee ($millions) | 5.3283% | 3,369 |
| Cash dividends to net income (ytd only)* | 75.1130% | 696 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1260% | 2,687 |
| Loan loss allowance to noncurrent loans | 144.3162% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.5914% | 933 |
| Noncurrent loans to loans | 0.7803% | 993 |
| Net loans and leases to total assets | 74.9400% | 1,251 |
| Net loans and leases to deposits | 89.7100% | 1,296 |
| Net loans and leases to core deposits | 104.1088% | 1,213 |
| Total domestic deposits to total assets | 83.5300% | 2,747 |
| Equity capital to assets | 9.5391% | 2,323 |
| Core capital (leverage) ratio | 10.9065% | 2,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6513% | 2,360 |
| Memoranda: |
| Average total assets | $276,103,000 | 2,545 |
| Average earning assets | $253,767,400 | 2,546 |
| Average equity | $26,662,600 | 2,420 |
| Average total loans | $208,525,200 | 2,235 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0455% | 191 |
| Cost of funding earning assets | 1.1736% | 2,517 |
| Net interest margin | 5.8718% | 117 |
| Noninterest income to average assets | 0.8300% | 883 |
| Noninterest expense to average assets | 3.6807% | 456 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.5409% | 259 |
| Return on assets (ROA) | 2.5409% | 253 |
| Pretax return on assets | 2.5409% | 365 |
| Return on Equity (ROE) | 26.2300% | 344 |
| Retained earnings to average equity (ytd only) | 8.5649% | 1,802 |
| Net charge-offs to loans | -0.0182% | 4,105 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.1597% | 3,072 |
| Assets per employee ($millions) | 5.1062% | 3,517 |
| Cash dividends to net income (ytd only)* | 67.3422% | 722 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0238% | 3,239 |
| Loan loss allowance to noncurrent loans | 133.6299% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.6003% | 983 |
| Noncurrent loans to loans | 0.7662% | 1,084 |
| Net loans and leases to total assets | 77.5500% | 938 |
| Net loans and leases to deposits | 96.1348% | 748 |
| Net loans and leases to core deposits | 112.0201% | 793 |
| Total domestic deposits to total assets | 80.6700% | 3,436 |
| Equity capital to assets | 9.5275% | 2,079 |
| Core capital (leverage) ratio | 11.4482% | 1,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9816% | 2,274 |
| Memoranda: |
| Average total assets | $271,864,500 | 2,572 |
| Average earning assets | $249,819,000 | 2,577 |
| Average equity | $26,339,500 | 2,431 |
| Average total loans | $205,130,500 | 2,253 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8039% | 199 |
| Cost of funding earning assets | 0.9252% | 2,849 |
| Net interest margin | 5.8787% | 118 |
| Noninterest income to average assets | 0.9700% | 596 |
| Noninterest expense to average assets | 3.7438% | 421 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.6265% | 213 |
| Return on assets (ROA) | 2.6265% | 210 |
| Pretax return on assets | 2.6265% | 300 |
| Return on Equity (ROE) | 26.9500% | 294 |
| Retained earnings to average equity (ytd only) | 9.7403% | 1,477 |
| Net charge-offs to loans | -0.0630% | 4,435 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.7693% | 3,102 |
| Assets per employee ($millions) | 5.1005% | 3,505 |
| Cash dividends to net income (ytd only)* | 63.8629% | 885 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1266% | 2,812 |
| Loan loss allowance to noncurrent loans | 176.0769% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.4809% | 1,127 |
| Noncurrent loans to loans | 0.6398% | 1,166 |
| Net loans and leases to total assets | 74.3200% | 1,246 |
| Net loans and leases to deposits | 89.8928% | 1,199 |
| Net loans and leases to core deposits | 105.6446% | 999 |
| Total domestic deposits to total assets | 82.6700% | 3,110 |
| Equity capital to assets | 10.0035% | 1,859 |
| Core capital (leverage) ratio | 11.6906% | 1,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5636% | 2,077 |
| Memoranda: |
| Average total assets | $268,872,667 | 2,594 |
| Average earning assets | $246,858,333 | 2,603 |
| Average equity | $26,200,333 | 2,454 |
| Average total loans | $200,155,333 | 2,286 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5818% | 161 |
| Cost of funding earning assets | 0.5866% | 3,417 |
| Net interest margin | 5.9952% | 100 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 3.9948% | 352 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1973% | 368 |
| Return on assets (ROA) | 2.1973% | 367 |
| Pretax return on assets | 2.1973% | 576 |
| Return on Equity (ROE) | 22.8600% | 518 |
| Retained earnings to average equity (ytd only) | 1.5671% | 3,772 |
| Net charge-offs to loans | -0.0685% | 4,429 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.5146% | 2,388 |
| Assets per employee ($millions) | 5.1950% | 3,507 |
| Cash dividends to net income (ytd only)* | 93.1432% | 502 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1228% | 2,943 |
| Loan loss allowance to noncurrent loans | 1,430.3797% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 3,189 |
| Noncurrent loans to loans | 0.0785% | 3,176 |
| Net loans and leases to total assets | 75.1200% | 1,067 |
| Net loans and leases to deposits | 87.1297% | 1,281 |
| Net loans and leases to core deposits | 99.9985% | 1,088 |
| Total domestic deposits to total assets | 86.2200% | 2,534 |
| Equity capital to assets | 9.7930% | 1,937 |
| Core capital (leverage) ratio | 11.5060% | 1,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3458% | 2,244 |
| Memoranda: |
| Average total assets | $268,146,000 | 2,628 |
| Average earning assets | $245,464,000 | 2,636 |
| Average equity | $25,779,500 | 2,498 |
| Average total loans | $198,640,000 | 2,317 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5092% | 151 |
| Cost of funding earning assets | 0.1941% | 3,805 |
| Net interest margin | 5.3151% | 103 |
| Noninterest income to average assets | 0.7700% | 1,080 |
| Noninterest expense to average assets | 3.9652% | 340 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6908% | 547 |
| Return on assets (ROA) | 1.6908% | 519 |
| Pretax return on assets | 1.6908% | 943 |
| Return on Equity (ROE) | 17.6600% | 757 |
| Retained earnings to average equity (ytd only) | 10.8495% | 920 |
| Net charge-offs to loans | 0.0304% | 1,463 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 76.3621% | 1,112 |
| Efficiency ratio | 70.1066% | 1,671 |
| Assets per employee ($millions) | 5.3206% | 3,397 |
| Cash dividends to net income (ytd only)* | 38.5640% | 1,990 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1358% | 2,717 |
| Loan loss allowance to noncurrent loans | 869.5313% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.0943% | 2,884 |
| Noncurrent loans to loans | 0.1306% | 2,859 |
| Net loans and leases to total assets | 71.4100% | 1,480 |
| Net loans and leases to deposits | 82.6912% | 1,564 |
| Net loans and leases to core deposits | 92.5313% | 1,363 |
| Total domestic deposits to total assets | 86.3600% | 2,615 |
| Equity capital to assets | 9.4391% | 2,056 |
| Core capital (leverage) ratio | 11.1742% | 1,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4841% | 2,175 |
| Memoranda: |
| Average total assets | $261,953,400 | 2,656 |
| Average earning assets | $240,580,600 | 2,668 |
| Average equity | $25,079,400 | 2,579 |
| Average total loans | $190,925,800 | 2,303 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2909% | 145 |
| Cost of funding earning assets | 0.1348% | 3,991 |
| Net interest margin | 5.1561% | 100 |
| Noninterest income to average assets | 0.7900% | 1,046 |
| Noninterest expense to average assets | 3.8704% | 354 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6517% | 593 |
| Return on assets (ROA) | 1.6517% | 577 |
| Pretax return on assets | 1.6517% | 1,001 |
| Return on Equity (ROE) | 17.1900% | 762 |
| Retained earnings to average equity (ytd only) | 10.1229% | 1,310 |
| Net charge-offs to loans | -0.0084% | 3,646 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.0893% | 1,753 |
| Assets per employee ($millions) | 5.4457% | 3,278 |
| Cash dividends to net income (ytd only)* | 41.1070% | 1,529 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1769% | 2,656 |
| Loan loss allowance to noncurrent loans | 444.1006% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 2,285 |
| Noncurrent loans to loans | 0.2650% | 2,313 |
| Net loans and leases to total assets | 73.7500% | 1,119 |
| Net loans and leases to deposits | 85.4313% | 1,208 |
| Net loans and leases to core deposits | 90.7653% | 1,253 |
| Total domestic deposits to total assets | 86.3300% | 2,975 |
| Equity capital to assets | 9.2320% | 2,053 |
| Core capital (leverage) ratio | 11.0378% | 1,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6757% | 2,585 |
| Memoranda: |
| Average total assets | $259,604,500 | 2,686 |
| Average earning assets | $238,364,250 | 2,693 |
| Average equity | $24,946,000 | 2,624 |
| Average total loans | $189,659,000 | 2,315 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0968% | 147 |
| Cost of funding earning assets | 0.1280% | 3,865 |
| Net interest margin | 4.9688% | 110 |
| Noninterest income to average assets | 0.9351% | 778 |
| Noninterest expense to average assets | 3.7420% | 340 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.7490% | 381 |
| Return on assets (ROA) | 1.7490% | 374 |
| Pretax return on assets | 1.7490% | 680 |
| Return on Equity (ROE) | 17.9638% | 476 |
| Retained earnings to average equity (ytd only) | 10.6514% | 860 |
| Net charge-offs to loans | -0.0085% | 3,532 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1479% | 2,219 |
| Assets per employee ($millions) | 5.4657% | 3,263 |
| Cash dividends to net income (ytd only)* | 40.7064% | 1,697 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1859% | 2,760 |
| Loan loss allowance to noncurrent loans | 47.7301% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.8693% | 166 |
| Noncurrent loans to loans | 2.4847% | 229 |
| Net loans and leases to total assets | 74.3413% | 881 |
| Net loans and leases to deposits | 86.8431% | 921 |
| Net loans and leases to core deposits | 92.5751% | 989 |
| Total domestic deposits to total assets | 85.6042% | 3,349 |
| Equity capital to assets | 9.4633% | 2,044 |
| Core capital (leverage) ratio | 10.7650% | 1,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5486% | 2,662 |
| Memoranda: |
| Average total assets | $259,008,000 | 2,717 |
| Average earning assets | $237,483,667 | 2,736 |
| Average equity | $25,217,333 | 2,668 |
| Average total loans | $187,849,667 | 2,319 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0432% | 146 |
| Cost of funding earning assets | 0.1292% | 3,787 |
| Net interest margin | 4.9140% | 103 |
| Noninterest income to average assets | 1.1412% | 528 |
| Noninterest expense to average assets | 3.7206% | 340 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.9257% | 254 |
| Return on assets (ROA) | 1.9257% | 256 |
| Pretax return on assets | 1.9257% | 419 |
| Return on Equity (ROE) | 19.5084% | 247 |
| Retained earnings to average equity (ytd only) | 12.9329% | 474 |
| Net charge-offs to loans | -0.0065% | 3,430 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8949% | 2,782 |
| Assets per employee ($millions) | 5.3641% | 3,435 |
| Cash dividends to net income (ytd only)* | 33.7061% | 1,658 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2260% | 2,728 |
| Loan loss allowance to noncurrent loans | 49.4810% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.7593% | 181 |
| Noncurrent loans to loans | 2.4778% | 245 |
| Net loans and leases to total assets | 70.1300% | 1,009 |
| Net loans and leases to deposits | 82.6006% | 972 |
| Net loans and leases to core deposits | 88.1080% | 1,016 |
| Total domestic deposits to total assets | 84.9025% | 3,562 |
| Equity capital to assets | 9.9985% | 1,888 |
| Core capital (leverage) ratio | 10.5737% | 1,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3765% | 2,811 |
| Memoranda: |
| Average total assets | $260,068,000 | 2,717 |
| Average earning assets | $238,421,000 | 2,746 |
| Average equity | $25,671,000 | 2,730 |
| Average total loans | $185,141,500 | 2,338 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4970% | 131 |
| Cost of funding earning assets | 0.2156% | 3,311 |
| Net interest margin | 5.2814% | 102 |
| Noninterest income to average assets | 0.5712% | 2,272 |
| Noninterest expense to average assets | 3.7017% | 388 |
| Loan and lease loss provision to assets | -0.0920% | 4,511 |
| Net operating income to assets | 1.7795% | 532 |
| Return on assets (ROA) | 1.7795% | 556 |
| Pretax return on assets | 1.7795% | 958 |
| Return on Equity (ROE) | 18.1210% | 453 |
| Retained earnings to average equity (ytd only) | 11.2382% | 662 |
| Net charge-offs to loans | 0.2070% | 458 |
| Credit loss provision to net charge-offs | -60.6469% | 3,280 |
| Earnings coverage of net charge-offs (x) | 11.1240% | 2,170 |
| Efficiency ratio | 68.6874% | 1,898 |
| Assets per employee ($millions) | 5.2510% | 3,515 |
| Cash dividends to net income (ytd only)* | 37.9825% | 2,135 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2441% | 2,651 |
| Loan loss allowance to noncurrent loans | 46.5282% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 1.9087% | 170 |
| Noncurrent loans to loans | 2.6739% | 247 |
| Net loans and leases to total assets | 70.4948% | 983 |
| Net loans and leases to deposits | 82.2425% | 1,042 |
| Net loans and leases to core deposits | 87.7267% | 1,091 |
| Total domestic deposits to total assets | 85.7157% | 3,012 |
| Equity capital to assets | 9.7405% | 2,898 |
| Core capital (leverage) ratio | 9.7525% | 2,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4002% | 3,003 |
| Memoranda: |
| Average total assets | $244,561,800 | 2,768 |
| Average earning assets | $223,102,200 | 2,786 |
| Average equity | $24,016,400 | 2,913 |
| Average total loans | $179,194,000 | 2,391 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6417% | 128 |
| Cost of funding earning assets | 0.2415% | 3,197 |
| Net interest margin | 5.4003% | 95 |
| Noninterest income to average assets | 0.3458% | 3,383 |
| Noninterest expense to average assets | 3.5871% | 415 |
| Loan and lease loss provision to assets | -0.1243% | 4,653 |
| Net operating income to assets | 1.8118% | 652 |
| Return on assets (ROA) | 1.8118% | 678 |
| Pretax return on assets | 1.8118% | 1,141 |
| Return on Equity (ROE) | 18.4097% | 578 |
| Retained earnings to average equity (ytd only) | 12.3536% | 759 |
| Net charge-offs to loans | 0.2778% | 292 |
| Credit loss provision to net charge-offs | -60.6469% | 3,165 |
| Earnings coverage of net charge-offs (x) | 8.2345% | 2,110 |
| Efficiency ratio | 68.0071% | 1,837 |
| Assets per employee ($millions) | 4.9889% | 3,711 |
| Cash dividends to net income (ytd only)* | 32.8963% | 1,942 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2737% | 2,622 |
| Loan loss allowance to noncurrent loans | 43.6544% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 2.0975% | 171 |
| Noncurrent loans to loans | 2.9176% | 232 |
| Net loans and leases to total assets | 70.9750% | 992 |
| Net loans and leases to deposits | 82.4441% | 1,071 |
| Net loans and leases to core deposits | 88.3947% | 1,130 |
| Total domestic deposits to total assets | 86.0887% | 2,712 |
| Equity capital to assets | 9.9818% | 2,923 |
| Core capital (leverage) ratio | 9.9076% | 2,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4818% | 3,042 |
| Memoranda: |
| Average total assets | $241,378,000 | 2,806 |
| Average earning assets | $220,305,000 | 2,834 |
| Average equity | $23,755,000 | 2,962 |
| Average total loans | $178,076,000 | 2,437 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5455% | 160 |
| Cost of funding earning assets | 0.2805% | 2,971 |
| Net interest margin | 5.2650% | 125 |
| Noninterest income to average assets | 0.0762% | 4,771 |
| Noninterest expense to average assets | 3.5888% | 414 |
| Loan and lease loss provision to assets | -0.1885% | 4,745 |
| Net operating income to assets | 1.4730% | 1,366 |
| Return on assets (ROA) | 1.4730% | 1,427 |
| Pretax return on assets | 1.4730% | 2,102 |
| Return on Equity (ROE) | 15.0426% | 1,145 |
| Retained earnings to average equity (ytd only) | 10.7985% | 1,174 |
| Net charge-offs to loans | 0.1520% | 544 |
| Credit loss provision to net charge-offs | -166.6667% | 3,161 |
| Earnings coverage of net charge-offs (x) | 11.3556% | 1,765 |
| Efficiency ratio | 73.6417% | 1,274 |
| Assets per employee ($millions) | 4.7760% | 3,859 |
| Cash dividends to net income (ytd only)* | 28.2139% | 2,143 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4206% | 1,882 |
| Loan loss allowance to noncurrent loans | 47.3862% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 2.1833% | 182 |
| Noncurrent loans to loans | 2.9978% | 243 |
| Net loans and leases to total assets | 71.7958% | 997 |
| Net loans and leases to deposits | 83.5141% | 1,093 |
| Net loans and leases to core deposits | 90.3855% | 1,114 |
| Total domestic deposits to total assets | 85.9685% | 2,749 |
| Equity capital to assets | 9.8422% | 3,010 |
| Core capital (leverage) ratio | 9.4274% | 2,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8012% | 2,997 |
| Memoranda: |
| Average total assets | $238,689,333 | 2,818 |
| Average earning assets | $217,473,667 | 2,854 |
| Average equity | $23,373,667 | 2,980 |
| Average total loans | $177,659,000 | 2,452 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4431% | 203 |
| Cost of funding earning assets | 0.3205% | 2,791 |
| Net interest margin | 5.1226% | 165 |
| Noninterest income to average assets | 1.3833% | 687 |
| Noninterest expense to average assets | 3.5895% | 420 |
| Loan and lease loss provision to assets | 0.6349% | 90 |
| Net operating income to assets | 1.8134% | 768 |
| Return on assets (ROA) | 1.8134% | 819 |
| Pretax return on assets | 1.8134% | 1,267 |
| Return on Equity (ROE) | 18.5664% | 662 |
| Retained earnings to average equity (ytd only) | 12.0482% | 1,132 |
| Net charge-offs to loans | 0.3150% | 266 |
| Credit loss provision to net charge-offs | 267.8571% | 791 |
| Earnings coverage of net charge-offs (x) | 10.3286% | 1,503 |
| Efficiency ratio | 59.4504% | 3,095 |
| Assets per employee ($millions) | 5.0739% | 3,562 |
| Cash dividends to net income (ytd only)* | 35.1074% | 1,562 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6515% | 1,165 |
| Loan loss allowance to noncurrent loans | 50.6586% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 2.5248% | 159 |
| Noncurrent loans to loans | 3.2601% | 228 |
| Net loans and leases to total assets | 76.1655% | 618 |
| Net loans and leases to deposits | 87.8588% | 839 |
| Net loans and leases to core deposits | 97.5494% | 820 |
| Total domestic deposits to total assets | 86.6908% | 2,444 |
| Equity capital to assets | 9.5259% | 3,171 |
| Core capital (leverage) ratio | 9.4045% | 3,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3787% | 3,029 |
| Memoranda: |
| Average total assets | $236,247,000 | 2,821 |
| Average earning assets | $214,657,000 | 2,856 |
| Average equity | $23,074,000 | 2,988 |
| Average total loans | $177,790,500 | 2,450 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9144% | 105 |
| Cost of funding earning assets | 0.5342% | 2,723 |
| Net interest margin | 5.3803% | 73 |
| Noninterest income to average assets | 0.8307% | 1,450 |
| Noninterest expense to average assets | 3.8322% | 441 |
| Loan and lease loss provision to assets | 0.8175% | 148 |
| Net operating income to assets | 1.1032% | 1,918 |
| Return on assets (ROA) | 1.1032% | 2,036 |
| Pretax return on assets | 1.1032% | 2,680 |
| Return on Equity (ROE) | 11.2317% | 1,545 |
| Retained earnings to average equity (ytd only) | 7.1071% | 1,356 |
| Net charge-offs to loans | 0.6228% | 240 |
| Credit loss provision to net charge-offs | 170.6161% | 2,314 |
| Earnings coverage of net charge-offs (x) | 4.0085% | 3,037 |
| Efficiency ratio | 66.6140% | 2,427 |
| Assets per employee ($millions) | 4.7698% | 3,638 |
| Cash dividends to net income (ytd only)* | 36.7229% | 2,518 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7249% | 984 |
| Loan loss allowance to noncurrent loans | 41.7997% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 3.0094% | 121 |
| Noncurrent loans to loans | 4.1265% | 130 |
| Net loans and leases to total assets | 71.6704% | 1,337 |
| Net loans and leases to deposits | 83.2866% | 1,515 |
| Net loans and leases to core deposits | 94.1936% | 1,236 |
| Total domestic deposits to total assets | 86.0527% | 2,343 |
| Equity capital to assets | 10.0232% | 3,116 |
| Core capital (leverage) ratio | 9.6440% | 2,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5348% | 3,021 |
| Memoranda: |
| Average total assets | $220,184,400 | 2,795 |
| Average earning assets | $201,439,000 | 2,811 |
| Average equity | $21,626,200 | 3,046 |
| Average total loans | $169,402,000 | 2,490 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6825% | 157 |
| Cost of funding earning assets | 0.5823% | 2,726 |
| Net interest margin | 5.1002% | 119 |
| Noninterest income to average assets | 0.8398% | 1,378 |
| Noninterest expense to average assets | 3.7804% | 468 |
| Loan and lease loss provision to assets | 0.8257% | 212 |
| Net operating income to assets | 0.9107% | 2,652 |
| Return on assets (ROA) | 0.9107% | 2,787 |
| Pretax return on assets | 0.9107% | 3,352 |
| Return on Equity (ROE) | 9.3224% | 2,271 |
| Retained earnings to average equity (ytd only) | 4.4139% | 2,845 |
| Net charge-offs to loans | 0.3741% | 423 |
| Credit loss provision to net charge-offs | 283.0189% | 1,815 |
| Earnings coverage of net charge-offs (x) | 5.9518% | 2,690 |
| Efficiency ratio | 68.5255% | 2,108 |
| Assets per employee ($millions) | 4.9786% | 3,276 |
| Cash dividends to net income (ytd only)* | 52.6528% | 1,376 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6146% | 1,060 |
| Loan loss allowance to noncurrent loans | 45.0502% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 2.7940% | 170 |
| Noncurrent loans to loans | 3.5840% | 215 |
| Net loans and leases to total assets | 76.7001% | 1,001 |
| Net loans and leases to deposits | 92.0474% | 1,066 |
| Net loans and leases to core deposits | 104.3382% | 906 |
| Total domestic deposits to total assets | 83.3267% | 3,049 |
| Equity capital to assets | 9.2604% | 3,896 |
| Core capital (leverage) ratio | 9.3685% | 3,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4580% | 3,040 |
| Memoranda: |
| Average total assets | $217,993,500 | 2,794 |
| Average earning assets | $199,908,750 | 2,808 |
| Average equity | $21,295,750 | 3,065 |
| Average total loans | $170,010,500 | 2,485 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9294% | 157 |
| Cost of funding earning assets | 0.6212% | 2,857 |
| Net interest margin | 5.3082% | 114 |
| Noninterest income to average assets | 1.1128% | 803 |
| Noninterest expense to average assets | 3.9877% | 409 |
| Loan and lease loss provision to assets | 0.8531% | 270 |
| Net operating income to assets | 1.1564% | 1,775 |
| Return on assets (ROA) | 1.1564% | 1,908 |
| Pretax return on assets | 1.1564% | 2,519 |
| Return on Equity (ROE) | 11.6093% | 1,450 |
| Retained earnings to average equity (ytd only) | 7.4033% | 1,501 |
| Net charge-offs to loans | 0.3330% | 488 |
| Credit loss provision to net charge-offs | 328.4672% | 1,556 |
| Earnings coverage of net charge-offs (x) | 7.7372% | 2,342 |
| Efficiency ratio | 66.4928% | 2,442 |
| Assets per employee ($millions) | 4.9410% | 3,252 |
| Cash dividends to net income (ytd only)* | 36.2295% | 2,089 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4846% | 1,305 |
| Loan loss allowance to noncurrent loans | 40.1775% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 2.9591% | 160 |
| Noncurrent loans to loans | 3.6950% | 202 |
| Net loans and leases to total assets | 78.8967% | 737 |
| Net loans and leases to deposits | 95.0242% | 874 |
| Net loans and leases to core deposits | 108.8121% | 779 |
| Total domestic deposits to total assets | 83.0280% | 3,077 |
| Equity capital to assets | 9.5333% | 3,636 |
| Core capital (leverage) ratio | 9.6591% | 3,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5898% | 3,068 |
| Memoranda: |
| Average total assets | $210,999,667 | 2,821 |
| Average earning assets | $194,152,333 | 2,838 |
| Average equity | $21,017,667 | 3,078 |
| Average total loans | $164,580,000 | 2,522 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0200% | 160 |
| Cost of funding earning assets | 0.6677% | 3,074 |
| Net interest margin | 5.3524% | 117 |
| Noninterest income to average assets | 0.9242% | 1,016 |
| Noninterest expense to average assets | 4.2119% | 412 |
| Loan and lease loss provision to assets | 0.8983% | 258 |
| Net operating income to assets | 0.7266% | 3,180 |
| Return on assets (ROA) | 0.7266% | 3,267 |
| Pretax return on assets | 0.7266% | 3,605 |
| Return on Equity (ROE) | 7.1174% | 2,894 |
| Retained earnings to average equity (ytd only) | 1.3296% | 3,660 |
| Net charge-offs to loans | 0.1794% | 748 |
| Credit loss provision to net charge-offs | 652.1739% | 752 |
| Earnings coverage of net charge-offs (x) | 11.7971% | 1,721 |
| Efficiency ratio | 72.1614% | 2,055 |
| Assets per employee ($millions) | 4.4265% | 3,370 |
| Cash dividends to net income (ytd only)* | 81.3187% | 1,004 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6160% | 1,030 |
| Loan loss allowance to noncurrent loans | 39.8669% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 3.1092% | 180 |
| Noncurrent loans to loans | 4.0534% | 189 |
| Net loans and leases to total assets | 75.2289% | 1,424 |
| Net loans and leases to deposits | 87.1570% | 1,845 |
| Net loans and leases to core deposits | 101.7895% | 1,343 |
| Total domestic deposits to total assets | 86.3142% | 1,868 |
| Equity capital to assets | 9.9691% | 3,816 |
| Core capital (leverage) ratio | 10.5143% | 2,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3950% | 3,248 |
| Memoranda: |
| Average total assets | $200,385,000 | 2,865 |
| Average earning assets | $183,919,000 | 2,883 |
| Average equity | $20,457,000 | 3,124 |
| Average total loans | $153,879,000 | 2,602 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1533% | 180 |
| Cost of funding earning assets | 0.6509% | 3,409 |
| Net interest margin | 5.5024% | 114 |
| Noninterest income to average assets | 1.0618% | 842 |
| Noninterest expense to average assets | 4.2855% | 380 |
| Loan and lease loss provision to assets | 0.6374% | 183 |
| Net operating income to assets | 1.1542% | 2,241 |
| Return on assets (ROA) | 1.1542% | 2,339 |
| Pretax return on assets | 1.1542% | 2,999 |
| Return on Equity (ROE) | 11.0224% | 1,877 |
| Retained earnings to average equity (ytd only) | 6.6703% | 1,534 |
| Net charge-offs to loans | 0.8221% | 201 |
| Credit loss provision to net charge-offs | 101.6949% | 2,436 |
| Earnings coverage of net charge-offs (x) | 2.8585% | 3,373 |
| Efficiency ratio | 70.5183% | 2,096 |
| Assets per employee ($millions) | 4.2859% | 3,527 |
| Cash dividends to net income (ytd only)* | 39.4846% | 2,627 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4040% | 1,510 |
| Loan loss allowance to noncurrent loans | 202.7540% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.5443% | 2,259 |
| Noncurrent loans to loans | 0.6925% | 2,151 |
| Net loans and leases to total assets | 76.0467% | 1,404 |
| Net loans and leases to deposits | 88.8693% | 1,718 |
| Net loans and leases to core deposits | 102.6750% | 1,342 |
| Total domestic deposits to total assets | 85.5714% | 2,256 |
| Equity capital to assets | 10.4565% | 3,491 |
| Core capital (leverage) ratio | 10.4266% | 3,036 |
| Tier 1 risk-based capital ratio | 10.4787% | 5,027 |
| Total risk-based capital ratio | 11.5752% | 5,005 |
| Memoranda: |
| Average total assets | $188,261,000 | 2,933 |
| Average earning assets | $171,597,600 | 2,966 |
| Average equity | $19,714,400 | 3,160 |
| Average total loans | $143,530,600 | 2,684 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2944% | 151 |
| Cost of funding earning assets | 0.6368% | 3,508 |
| Net interest margin | 5.6575% | 93 |
| Noninterest income to average assets | 0.8837% | 1,175 |
| Noninterest expense to average assets | 4.3567% | 343 |
| Loan and lease loss provision to assets | 0.6450% | 171 |
| Net operating income to assets | 1.0263% | 2,881 |
| Return on assets (ROA) | 1.0263% | 2,958 |
| Pretax return on assets | 1.0263% | 3,508 |
| Return on Equity (ROE) | 9.7966% | 2,518 |
| Retained earnings to average equity (ytd only) | 5.3498% | 2,708 |
| Net charge-offs to loans | 0.7883% | 205 |
| Credit loss provision to net charge-offs | 107.6555% | 2,122 |
| Earnings coverage of net charge-offs (x) | 2.7895% | 3,164 |
| Efficiency ratio | 72.2744% | 1,795 |
| Assets per employee ($millions) | 4.1992% | 3,613 |
| Cash dividends to net income (ytd only)* | 45.3912% | 1,903 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4825% | 1,291 |
| Loan loss allowance to noncurrent loans | 148.9405% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.7574% | 1,814 |
| Noncurrent loans to loans | 0.9953% | 1,607 |
| Net loans and leases to total assets | 74.9644% | 1,655 |
| Net loans and leases to deposits | 87.7229% | 1,971 |
| Net loans and leases to core deposits | 100.7164% | 1,607 |
| Total domestic deposits to total assets | 85.4560% | 2,234 |
| Equity capital to assets | 10.4387% | 3,602 |
| Core capital (leverage) ratio | 10.4888% | 3,111 |
| Tier 1 risk-based capital ratio | 10.3998% | 5,106 |
| Total risk-based capital ratio | 11.5467% | 5,051 |
| Memoranda: |
| Average total assets | $186,038,750 | 2,982 |
| Average earning assets | $169,162,750 | 3,025 |
| Average equity | $19,489,250 | 3,202 |
| Average total loans | $141,398,000 | 2,735 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3210% | 146 |
| Cost of funding earning assets | 0.6245% | 3,530 |
| Net interest margin | 5.6964% | 91 |
| Noninterest income to average assets | 0.8918% | 1,089 |
| Noninterest expense to average assets | 4.3362% | 359 |
| Loan and lease loss provision to assets | 0.7350% | 143 |
| Net operating income to assets | 0.9953% | 2,941 |
| Return on assets (ROA) | 0.9953% | 3,004 |
| Pretax return on assets | 0.9953% | 3,566 |
| Return on Equity (ROE) | 9.4890% | 2,641 |
| Retained earnings to average equity (ytd only) | 5.1598% | 2,693 |
| Net charge-offs to loans | 1.0033% | 142 |
| Credit loss provision to net charge-offs | 96.4286% | 2,055 |
| Earnings coverage of net charge-offs (x) | 2.2700% | 2,954 |
| Efficiency ratio | 71.4773% | 1,990 |
| Assets per employee ($millions) | 3.8585% | 4,051 |
| Cash dividends to net income (ytd only)* | 45.6236% | 1,980 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4611% | 1,382 |
| Loan loss allowance to noncurrent loans | 172.0165% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.6560% | 2,073 |
| Noncurrent loans to loans | 0.8494% | 1,904 |
| Net loans and leases to total assets | 76.1055% | 1,529 |
| Net loans and leases to deposits | 89.6390% | 1,778 |
| Net loans and leases to core deposits | 103.9730% | 1,389 |
| Total domestic deposits to total assets | 84.9022% | 2,522 |
| Equity capital to assets | 10.7599% | 3,300 |
| Core capital (leverage) ratio | 10.7276% | 2,868 |
| Tier 1 risk-based capital ratio | 10.6470% | 5,056 |
| Total risk-based capital ratio | 11.7905% | 5,004 |
| Memoranda: |
| Average total assets | $183,663,330 | 3,014 |
| Average earning assets | $166,841,670 | 3,066 |
| Average equity | $19,264,330 | 3,221 |
| Average total loans | $139,536,000 | 2,774 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2261% | 156 |
| Cost of funding earning assets | 0.6034% | 3,553 |
| Net interest margin | 5.6227% | 98 |
| Noninterest income to average assets | 0.7895% | 1,318 |
| Noninterest expense to average assets | 4.2539% | 375 |
| Loan and lease loss provision to assets | 0.9295% | 93 |
| Net operating income to assets | 0.7217% | 3,868 |
| Return on assets (ROA) | 0.7217% | 3,914 |
| Pretax return on assets | 0.7217% | 4,248 |
| Return on Equity (ROE) | 6.9721% | 3,693 |
| Retained earnings to average equity (ytd only) | 0.9507% | 4,319 |
| Net charge-offs to loans | 1.1003% | 119 |
| Credit loss provision to net charge-offs | 112.1372% | 1,480 |
| Earnings coverage of net charge-offs (x) | 1.9921% | 2,539 |
| Efficiency ratio | 72.0370% | 2,039 |
| Assets per employee ($millions) | 3.7848% | 4,214 |
| Cash dividends to net income (ytd only)* | 86.3636% | 809 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5762% | 1,112 |
| Loan loss allowance to noncurrent loans | 198.9871% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.5978% | 2,281 |
| Noncurrent loans to loans | 0.7921% | 2,056 |
| Net loans and leases to total assets | 74.2797% | 1,753 |
| Net loans and leases to deposits | 88.0382% | 1,864 |
| Net loans and leases to core deposits | 102.2280% | 1,443 |
| Total domestic deposits to total assets | 84.3722% | 2,912 |
| Equity capital to assets | 10.5026% | 3,343 |
| Core capital (leverage) ratio | 10.3421% | 3,231 |
| Tier 1 risk-based capital ratio | 10.8445% | 5,047 |
| Total risk-based capital ratio | 12.0777% | 4,960 |
| Memoranda: |
| Average total assets | $182,892,000 | 3,058 |
| Average earning assets | $166,395,500 | 3,096 |
| Average equity | $18,932,500 | 3,267 |
| Average total loans | $137,783,000 | 2,816 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9651% | 173 |
| Cost of funding earning assets | 0.4683% | 3,561 |
| Net interest margin | 5.4968% | 110 |
| Noninterest income to average assets | 1.0906% | 779 |
| Noninterest expense to average assets | 4.0469% | 500 |
| Loan and lease loss provision to assets | 0.2486% | 692 |
| Net operating income to assets | 1.8053% | 545 |
| Return on assets (ROA) | 1.5041% | 1,095 |
| Pretax return on assets | 1.5041% | 1,772 |
| Return on Equity (ROE) | 14.2612% | 987 |
| Retained earnings to average equity (ytd only) | 4.5771% | 3,006 |
| Net charge-offs to loans | 0.5972% | 284 |
| Credit loss provision to net charge-offs | 55.9748% | 3,138 |
| Earnings coverage of net charge-offs (x) | 4.6239% | 3,275 |
| Efficiency ratio | 66.3339% | 2,817 |
| Assets per employee ($millions) | 3.8524% | 4,098 |
| Cash dividends to net income (ytd only)* | 67.9049% | 1,173 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9497% | 3,963 |
| Loan loss allowance to noncurrent loans | 123.2427% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.5770% | 2,313 |
| Noncurrent loans to loans | 0.7706% | 2,073 |
| Net loans and leases to total assets | 74.1675% | 1,912 |
| Net loans and leases to deposits | 87.6741% | 2,088 |
| Net loans and leases to core deposits | 102.0652% | 1,573 |
| Total domestic deposits to total assets | 84.5945% | 2,801 |
| Equity capital to assets | 10.5914% | 3,091 |
| Core capital (leverage) ratio | 10.6002% | 2,927 |
| Tier 1 risk-based capital ratio | 11.3724% | 4,783 |
| Total risk-based capital ratio | 12.1322% | 4,917 |
| Memoranda: |
| Average total assets | $178,976,800 | 3,066 |
| Average earning assets | $163,131,400 | 3,104 |
| Average equity | $18,876,400 | 3,193 |
| Average total loans | $133,124,000 | 2,845 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9051% | 178 |
| Cost of funding earning assets | 0.4334% | 3,642 |
| Net interest margin | 5.4717% | 108 |
| Noninterest income to average assets | 1.1208% | 745 |
| Noninterest expense to average assets | 4.0842% | 469 |
| Loan and lease loss provision to assets | 0.0338% | 3,341 |
| Net operating income to assets | 1.9914% | 387 |
| Return on assets (ROA) | 1.6661% | 813 |
| Pretax return on assets | 1.6661% | 1,361 |
| Return on Equity (ROE) | 15.8149% | 722 |
| Retained earnings to average equity (ytd only) | 5.9609% | 2,676 |
| Net charge-offs to loans | 0.0486% | 2,131 |
| Credit loss provision to net charge-offs | 93.7500% | 2,376 |
| Earnings coverage of net charge-offs (x) | 56.1653% | 1,099 |
| Efficiency ratio | 66.8511% | 2,740 |
| Assets per employee ($millions) | 3.9622% | 3,948 |
| Cash dividends to net income (ytd only)* | 62.3084% | 1,115 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2514% | 2,361 |
| Loan loss allowance to noncurrent loans | 218.9723% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.4076% | 3,061 |
| Noncurrent loans to loans | 0.5715% | 2,661 |
| Net loans and leases to total assets | 70.4245% | 2,578 |
| Net loans and leases to deposits | 82.6653% | 2,750 |
| Net loans and leases to core deposits | 95.8971% | 2,123 |
| Total domestic deposits to total assets | 85.1924% | 2,528 |
| Equity capital to assets | 10.2705% | 3,373 |
| Core capital (leverage) ratio | 10.7761% | 2,819 |
| Tier 1 risk-based capital ratio | 11.5082% | 4,786 |
| Total risk-based capital ratio | 12.4863% | 4,825 |
| Memoranda: |
| Average total assets | $177,492,500 | 3,101 |
| Average earning assets | $161,823,000 | 3,147 |
| Average equity | $18,699,250 | 3,235 |
| Average total loans | $131,789,750 | 2,877 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8598% | 180 |
| Cost of funding earning assets | 0.3834% | 3,844 |
| Net interest margin | 5.4764% | 113 |
| Noninterest income to average assets | 1.1582% | 717 |
| Noninterest expense to average assets | 4.1344% | 455 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.0139% | 370 |
| Return on assets (ROA) | 1.6897% | 744 |
| Pretax return on assets | 1.6897% | 1,242 |
| Return on Equity (ROE) | 15.8970% | 692 |
| Retained earnings to average equity (ytd only) | 5.8846% | 2,616 |
| Net charge-offs to loans | -0.1521% | 5,274 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2443% | 2,773 |
| Assets per employee ($millions) | 3.7201% | 4,325 |
| Cash dividends to net income (ytd only)* | 62.9831% | 1,217 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3273% | 2,044 |
| Loan loss allowance to noncurrent loans | 283.6013% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.3483% | 3,364 |
| Noncurrent loans to loans | 0.4680% | 3,031 |
| Net loans and leases to total assets | 73.4369% | 2,051 |
| Net loans and leases to deposits | 86.8201% | 2,239 |
| Net loans and leases to core deposits | 101.9935% | 1,564 |
| Total domestic deposits to total assets | 84.5851% | 2,842 |
| Equity capital to assets | 10.5540% | 3,068 |
| Core capital (leverage) ratio | 10.7928% | 2,710 |
| Tier 1 risk-based capital ratio | 11.4435% | 4,809 |
| Total risk-based capital ratio | 12.4987% | 4,823 |
| Memoranda: |
| Average total assets | $174,582,670 | 3,159 |
| Average earning assets | $159,082,670 | 3,197 |
| Average equity | $18,557,000 | 3,269 |
| Average total loans | $131,450,330 | 2,895 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7875% | 186 |
| Cost of funding earning assets | 0.3348% | 4,105 |
| Net interest margin | 5.4527% | 113 |
| Noninterest income to average assets | 1.1380% | 720 |
| Noninterest expense to average assets | 4.0837% | 479 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0372% | 340 |
| Return on assets (ROA) | 1.7150% | 677 |
| Pretax return on assets | 1.7150% | 1,077 |
| Return on Equity (ROE) | 16.0760% | 607 |
| Retained earnings to average equity (ytd only) | 5.2790% | 3,045 |
| Net charge-offs to loans | -0.3060% | 5,448 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7172% | 3,045 |
| Assets per employee ($millions) | 3.6464% | 4,475 |
| Cash dividends to net income (ytd only)* | 67.1622% | 1,073 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3189% | 2,155 |
| Loan loss allowance to noncurrent loans | 465.6992% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.2165% | 4,015 |
| Noncurrent loans to loans | 0.2832% | 3,756 |
| Net loans and leases to total assets | 75.4521% | 1,629 |
| Net loans and leases to deposits | 90.7847% | 1,588 |
| Net loans and leases to core deposits | 103.2509% | 1,438 |
| Total domestic deposits to total assets | 83.1110% | 3,630 |
| Equity capital to assets | 10.5488% | 3,026 |
| Core capital (leverage) ratio | 10.8751% | 2,561 |
| Tier 1 risk-based capital ratio | 11.4899% | 4,863 |
| Total risk-based capital ratio | 12.5741% | 4,857 |
| Memoranda: |
| Average total assets | $172,590,500 | 3,219 |
| Average earning assets | $157,719,500 | 3,240 |
| Average equity | $18,412,500 | 3,313 |
| Average total loans | $130,726,500 | 2,924 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6127% | 225 |
| Cost of funding earning assets | 0.3145% | 4,004 |
| Net interest margin | 5.2982% | 146 |
| Noninterest income to average assets | 1.3186% | 610 |
| Noninterest expense to average assets | 4.2158% | 410 |
| Loan and lease loss provision to assets | 0.0540% | 3,153 |
| Net operating income to assets | 1.8644% | 364 |
| Return on assets (ROA) | 1.8758% | 365 |
| Pretax return on assets | 1.8758% | 640 |
| Return on Equity (ROE) | 17.4365% | 356 |
| Retained earnings to average equity (ytd only) | 8.6736% | 569 |
| Net charge-offs to loans | 0.0450% | 2,886 |
| Credit loss provision to net charge-offs | 163.6364% | 1,640 |
| Earnings coverage of net charge-offs (x) | 58.0909% | 976 |
| Efficiency ratio | 68.7255% | 2,756 |
| Assets per employee ($millions) | 3.5449% | 4,641 |
| Cash dividends to net income (ytd only)* | 50.2561% | 2,274 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3046% | 2,195 |
| Loan loss allowance to noncurrent loans | 528.5714% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.1851% | 4,203 |
| Noncurrent loans to loans | 0.2468% | 3,910 |
| Net loans and leases to total assets | 74.0280% | 1,918 |
| Net loans and leases to deposits | 90.0707% | 1,764 |
| Net loans and leases to core deposits | 101.8904% | 1,561 |
| Total domestic deposits to total assets | 82.1887% | 3,820 |
| Equity capital to assets | 10.7913% | 2,848 |
| Core capital (leverage) ratio | 10.8315% | 2,494 |
| Tier 1 risk-based capital ratio | 11.7212% | 4,704 |
| Total risk-based capital ratio | 12.7820% | 4,730 |
| Memoranda: |
| Average total assets | $166,541,600 | 3,280 |
| Average earning assets | $151,371,600 | 3,305 |
| Average equity | $17,916,400 | 3,376 |
| Average total loans | $122,288,800 | 3,022 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5774% | 233 |
| Cost of funding earning assets | 0.3056% | 4,079 |
| Net interest margin | 5.2718% | 151 |
| Noninterest income to average assets | 1.3233% | 600 |
| Noninterest expense to average assets | 4.2107% | 404 |
| Loan and lease loss provision to assets | 0.0724% | 2,627 |
| Net operating income to assets | 1.8313% | 441 |
| Return on assets (ROA) | 1.8466% | 438 |
| Pretax return on assets | 1.8466% | 793 |
| Return on Equity (ROE) | 17.1783% | 400 |
| Retained earnings to average equity (ytd only) | 8.7164% | 940 |
| Net charge-offs to loans | 0.0573% | 2,316 |
| Credit loss provision to net charge-offs | 173.0769% | 1,510 |
| Earnings coverage of net charge-offs (x) | 45.4818% | 1,189 |
| Efficiency ratio | 68.8652% | 2,732 |
| Assets per employee ($millions) | 3.6469% | 4,518 |
| Cash dividends to net income (ytd only)* | 49.2590% | 1,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3206% | 2,261 |
| Loan loss allowance to noncurrent loans | 459.5041% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2164% | 4,205 |
| Noncurrent loans to loans | 0.2874% | 3,914 |
| Net loans and leases to total assets | 74.2979% | 1,870 |
| Net loans and leases to deposits | 89.7252% | 1,842 |
| Net loans and leases to core deposits | 100.6712% | 1,650 |
| Total domestic deposits to total assets | 82.8061% | 3,521 |
| Equity capital to assets | 10.8878% | 2,968 |
| Core capital (leverage) ratio | 10.9423% | 2,512 |
| Tier 1 risk-based capital ratio | 10.8951% | 5,300 |
| Total risk-based capital ratio | 11.9037% | 5,324 |
| Memoranda: |
| Average total assets | $165,638,000 | 3,318 |
| Average earning assets | $150,532,250 | 3,345 |
| Average equity | $17,805,000 | 3,426 |
| Average total loans | $120,954,000 | 3,068 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4859% | 251 |
| Cost of funding earning assets | 0.2992% | 4,088 |
| Net interest margin | 5.1867% | 167 |
| Noninterest income to average assets | 1.4042% | 547 |
| Noninterest expense to average assets | 4.1884% | 418 |
| Loan and lease loss provision to assets | 0.0546% | 2,884 |
| Net operating income to assets | 1.8699% | 395 |
| Return on assets (ROA) | 1.8929% | 388 |
| Pretax return on assets | 1.8929% | 668 |
| Return on Equity (ROE) | 17.6867% | 358 |
| Retained earnings to average equity (ytd only) | 12.1008% | 311 |
| Net charge-offs to loans | 0.0503% | 2,210 |
| Credit loss provision to net charge-offs | 150.0000% | 1,520 |
| Earnings coverage of net charge-offs (x) | 52.9000% | 1,033 |
| Efficiency ratio | 68.5182% | 2,920 |
| Assets per employee ($millions) | 3.6148% | 4,552 |
| Cash dividends to net income (ytd only)* | 31.5823% | 2,722 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3089% | 2,368 |
| Loan loss allowance to noncurrent loans | 403.1863% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 4,150 |
| Noncurrent loans to loans | 0.3246% | 3,867 |
| Net loans and leases to total assets | 74.5923% | 1,765 |
| Net loans and leases to deposits | 90.3780% | 1,682 |
| Net loans and leases to core deposits | 100.2660% | 1,632 |
| Total domestic deposits to total assets | 82.5337% | 3,714 |
| Equity capital to assets | 10.9544% | 2,853 |
| Core capital (leverage) ratio | 10.9142% | 2,484 |
| Tier 1 risk-based capital ratio | 10.9570% | 5,272 |
| Total risk-based capital ratio | 11.9611% | 5,307 |
| Memoranda: |
| Average total assets | $164,931,670 | 3,341 |
| Average earning assets | $149,729,000 | 3,374 |
| Average equity | $17,651,670 | 3,451 |
| Average total loans | $119,169,330 | 3,106 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2473% | 353 |
| Cost of funding earning assets | 0.2989% | 4,055 |
| Net interest margin | 4.9484% | 242 |
| Noninterest income to average assets | 1.4976% | 487 |
| Noninterest expense to average assets | 4.0814% | 492 |
| Loan and lease loss provision to assets | 0.1096% | 1,749 |
| Net operating income to assets | 1.8215% | 428 |
| Return on assets (ROA) | 1.8215% | 439 |
| Pretax return on assets | 1.8215% | 752 |
| Return on Equity (ROE) | 17.2251% | 393 |
| Retained earnings to average equity (ytd only) | 12.7807% | 396 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8817% | 3,221 |
| Assets per employee ($millions) | 3.6137% | 4,620 |
| Cash dividends to net income (ytd only)* | 25.8021% | 2,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4363% | 1,918 |
| Loan loss allowance to noncurrent loans | 329.7244% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.3056% | 3,967 |
| Noncurrent loans to loans | 0.4356% | 3,533 |
| Net loans and leases to total assets | 69.1498% | 2,509 |
| Net loans and leases to deposits | 83.4073% | 2,354 |
| Net loans and leases to core deposits | 91.6022% | 2,207 |
| Total domestic deposits to total assets | 82.9061% | 3,877 |
| Equity capital to assets | 10.6299% | 3,039 |
| Core capital (leverage) ratio | 10.7412% | 2,650 |
| Tier 1 risk-based capital ratio | 11.1366% | 5,238 |
| Total risk-based capital ratio | 12.2049% | 5,248 |
| Memoranda: |
| Average total assets | $164,257,500 | 3,379 |
| Average earning assets | $149,867,000 | 3,400 |
| Average equity | $17,370,000 | 3,499 |
| Average total loans | $115,915,500 | 3,172 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4034% | 290 |
| Cost of funding earning assets | 0.4050% | 2,952 |
| Net interest margin | 4.9984% | 250 |
| Noninterest income to average assets | 1.5018% | 527 |
| Noninterest expense to average assets | 4.2301% | 472 |
| Loan and lease loss provision to assets | 0.1139% | 2,163 |
| Net operating income to assets | 1.7031% | 542 |
| Return on assets (ROA) | 1.5562% | 778 |
| Pretax return on assets | 1.5562% | 1,415 |
| Return on Equity (ROE) | 14.7901% | 655 |
| Retained earnings to average equity (ytd only) | 7.8131% | 919 |
| Net charge-offs to loans | 0.0273% | 3,487 |
| Credit loss provision to net charge-offs | 580.6452% | 588 |
| Earnings coverage of net charge-offs (x) | 92.6129% | 642 |
| Efficiency ratio | 69.9529% | 2,907 |
| Assets per employee ($millions) | 3.5280% | 4,720 |
| Cash dividends to net income (ytd only)* | 47.1736% | 2,451 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4148% | 2,016 |
| Loan loss allowance to noncurrent loans | 488.0240% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.2058% | 4,499 |
| Noncurrent loans to loans | 0.2899% | 4,109 |
| Net loans and leases to total assets | 69.9869% | 2,472 |
| Net loans and leases to deposits | 83.9578% | 2,423 |
| Net loans and leases to core deposits | 93.1166% | 2,199 |
| Total domestic deposits to total assets | 83.3596% | 3,645 |
| Equity capital to assets | 10.5185% | 3,133 |
| Core capital (leverage) ratio | 10.4630% | 2,917 |
| Tier 1 risk-based capital ratio | 9.8689% | 5,770 |
| Total risk-based capital ratio | 10.8146% | 5,797 |
| Memoranda: |
| Average total assets | $158,010,400 | 3,419 |
| Average earning assets | $143,686,600 | 3,452 |
| Average equity | $16,626,000 | 3,605 |
| Average total loans | $113,505,200 | 3,164 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4068% | 289 |
| Cost of funding earning assets | 0.4103% | 2,927 |
| Net interest margin | 4.9965% | 253 |
| Noninterest income to average assets | 1.4485% | 569 |
| Noninterest expense to average assets | 4.1322% | 513 |
| Loan and lease loss provision to assets | 0.1147% | 2,015 |
| Net operating income to assets | 1.7331% | 557 |
| Return on assets (ROA) | 1.6855% | 650 |
| Pretax return on assets | 1.6855% | 1,154 |
| Return on Equity (ROE) | 16.0174% | 542 |
| Retained earnings to average equity (ytd only) | 8.7918% | 881 |
| Net charge-offs to loans | 0.0354% | 2,923 |
| Credit loss provision to net charge-offs | 450.0000% | 775 |
| Earnings coverage of net charge-offs (x) | 72.4983% | 842 |
| Efficiency ratio | 69.1007% | 3,029 |
| Assets per employee ($millions) | 3.3886% | 4,921 |
| Cash dividends to net income (ytd only)* | 45.1107% | 2,122 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3643% | 2,365 |
| Loan loss allowance to noncurrent loans | 257.8862% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 3,876 |
| Noncurrent loans to loans | 0.5290% | 3,408 |
| Net loans and leases to total assets | 71.9943% | 2,197 |
| Net loans and leases to deposits | 89.6482% | 1,803 |
| Net loans and leases to core deposits | 97.9515% | 1,820 |
| Total domestic deposits to total assets | 80.3075% | 4,437 |
| Equity capital to assets | 10.8085% | 3,238 |
| Core capital (leverage) ratio | 10.7880% | 2,697 |
| Tier 1 risk-based capital ratio | 9.9654% | 5,801 |
| Total risk-based capital ratio | 10.9071% | 5,840 |
| Memoranda: |
| Average total assets | $156,941,500 | 3,444 |
| Average earning assets | $142,336,000 | 3,484 |
| Average equity | $16,515,000 | 3,655 |
| Average total loans | $113,079,250 | 3,182 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2827% | 372 |
| Cost of funding earning assets | 0.4033% | 3,001 |
| Net interest margin | 4.8794% | 328 |
| Noninterest income to average assets | 1.5010% | 527 |
| Noninterest expense to average assets | 4.0994% | 532 |
| Loan and lease loss provision to assets | 0.1153% | 1,960 |
| Net operating income to assets | 1.7174% | 566 |
| Return on assets (ROA) | 1.6892% | 628 |
| Pretax return on assets | 1.6892% | 1,122 |
| Return on Equity (ROE) | 16.2019% | 512 |
| Retained earnings to average equity (ytd only) | 7.8492% | 1,222 |
| Net charge-offs to loans | -0.0143% | 4,821 |
| Credit loss provision to net charge-offs | -1,125.0000% | 5,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1062% | 3,132 |
| Assets per employee ($millions) | 3.3784% | 4,956 |
| Cash dividends to net income (ytd only)* | 51.5542% | 1,896 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3909% | 2,336 |
| Loan loss allowance to noncurrent loans | 369.1589% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 4,392 |
| Noncurrent loans to loans | 0.3768% | 4,014 |
| Net loans and leases to total assets | 72.0767% | 2,156 |
| Net loans and leases to deposits | 89.4094% | 1,820 |
| Net loans and leases to core deposits | 96.3685% | 1,947 |
| Total domestic deposits to total assets | 80.6143% | 4,386 |
| Equity capital to assets | 10.8122% | 3,270 |
| Core capital (leverage) ratio | 10.6206% | 2,830 |
| Tier 1 risk-based capital ratio | 10.0632% | 5,833 |
| Total risk-based capital ratio | 11.0259% | 5,867 |
| Memoranda: |
| Average total assets | $156,167,330 | 3,472 |
| Average earning assets | $141,820,330 | 3,512 |
| Average equity | $16,282,000 | 3,695 |
| Average total loans | $112,023,330 | 3,204 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2972% | 358 |
| Cost of funding earning assets | 0.4096% | 2,969 |
| Net interest margin | 4.8875% | 321 |
| Noninterest income to average assets | 1.3900% | 574 |
| Noninterest expense to average assets | 4.0933% | 553 |
| Loan and lease loss provision to assets | 0.1150% | 1,820 |
| Net operating income to assets | 1.6021% | 697 |
| Return on assets (ROA) | 1.6021% | 740 |
| Pretax return on assets | 1.6021% | 1,286 |
| Return on Equity (ROE) | 15.6540% | 575 |
| Retained earnings to average equity (ytd only) | 6.4913% | 2,136 |
| Net charge-offs to loans | -0.0288% | 5,046 |
| Credit loss provision to net charge-offs | -562.5000% | 4,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4485% | 3,047 |
| Assets per employee ($millions) | 3.4859% | 4,833 |
| Cash dividends to net income (ytd only)* | 58.5327% | 1,485 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3862% | 2,494 |
| Loan loss allowance to noncurrent loans | 372.5728% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.2626% | 4,508 |
| Noncurrent loans to loans | 0.3721% | 4,102 |
| Net loans and leases to total assets | 69.6125% | 2,408 |
| Net loans and leases to deposits | 86.1490% | 2,047 |
| Net loans and leases to core deposits | 93.5468% | 2,044 |
| Total domestic deposits to total assets | 80.8048% | 4,555 |
| Equity capital to assets | 10.3425% | 3,695 |
| Core capital (leverage) ratio | 10.2010% | 3,310 |
| Tier 1 risk-based capital ratio | 10.0283% | 5,907 |
| Total risk-based capital ratio | 10.9897% | 5,936 |
| Memoranda: |
| Average total assets | $156,547,000 | 3,486 |
| Average earning assets | $141,585,000 | 3,533 |
| Average equity | $16,021,500 | 3,732 |
| Average total loans | $111,238,500 | 3,225 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1321% | 485 |
| Cost of funding earning assets | 0.4345% | 2,796 |
| Net interest margin | 4.6977% | 448 |
| Noninterest income to average assets | 1.3668% | 644 |
| Noninterest expense to average assets | 3.9893% | 681 |
| Loan and lease loss provision to assets | 0.0995% | 2,320 |
| Net operating income to assets | 1.5536% | 779 |
| Return on assets (ROA) | 1.5371% | 831 |
| Pretax return on assets | 1.5371% | 1,444 |
| Return on Equity (ROE) | 15.9664% | 556 |
| Retained earnings to average equity (ytd only) | 11.3421% | 304 |
| Net charge-offs to loans | -0.0868% | 5,737 |
| Credit loss provision to net charge-offs | -171.4286% | 5,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7019% | 3,110 |
| Assets per employee ($millions) | 3.7197% | 4,443 |
| Cash dividends to net income (ytd only)* | 28.9627% | 3,394 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3254% | 2,772 |
| Loan loss allowance to noncurrent loans | 249.7470% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 4,072 |
| Noncurrent loans to loans | 0.5307% | 3,579 |
| Net loans and leases to total assets | 70.5781% | 2,283 |
| Net loans and leases to deposits | 87.0907% | 1,988 |
| Net loans and leases to core deposits | 95.1593% | 1,926 |
| Total domestic deposits to total assets | 81.0398% | 4,470 |
| Equity capital to assets | 10.1257% | 3,836 |
| Core capital (leverage) ratio | 9.9218% | 3,617 |
| Tier 1 risk-based capital ratio | 9.9511% | 5,961 |
| Total risk-based capital ratio | 10.8901% | 6,011 |
| Memoranda: |
| Average total assets | $156,793,400 | 3,475 |
| Average earning assets | $142,709,000 | 3,503 |
| Average equity | $15,094,200 | 3,825 |
| Average total loans | $104,793,800 | 3,308 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0649% | 549 |
| Cost of funding earning assets | 0.4363% | 2,836 |
| Net interest margin | 4.6286% | 521 |
| Noninterest income to average assets | 1.1665% | 879 |
| Noninterest expense to average assets | 3.9939% | 672 |
| Loan and lease loss provision to assets | 0.0994% | 2,190 |
| Net operating income to assets | 1.2914% | 1,365 |
| Return on assets (ROA) | 1.2693% | 1,486 |
| Pretax return on assets | 1.2693% | 2,513 |
| Return on Equity (ROE) | 13.3571% | 1,043 |
| Retained earnings to average equity (ytd only) | 8.8064% | 974 |
| Net charge-offs to loans | -0.1203% | 5,854 |
| Credit loss provision to net charge-offs | -125.8065% | 5,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1717% | 2,524 |
| Assets per employee ($millions) | 3.5822% | 4,643 |
| Cash dividends to net income (ytd only)* | 34.0696% | 2,617 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3050% | 3,062 |
| Loan loss allowance to noncurrent loans | 419.7674% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 4,892 |
| Noncurrent loans to loans | 0.3109% | 4,487 |
| Net loans and leases to total assets | 69.2880% | 2,488 |
| Net loans and leases to deposits | 85.5039% | 2,206 |
| Net loans and leases to core deposits | 97.7288% | 1,724 |
| Total domestic deposits to total assets | 81.0349% | 4,466 |
| Equity capital to assets | 9.7528% | 4,446 |
| Core capital (leverage) ratio | 9.7312% | 3,998 |
| Tier 1 risk-based capital ratio | 9.7660% | 6,087 |
| Total risk-based capital ratio | 10.6928% | 6,130 |
| Memoranda: |
| Average total assets | $156,935,000 | 3,506 |
| Average earning assets | $143,020,500 | 3,533 |
| Average equity | $14,913,000 | 3,888 |
| Average total loans | $103,056,500 | 3,364 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0125% | 583 |
| Cost of funding earning assets | 0.4428% | 2,807 |
| Net interest margin | 4.5697% | 555 |
| Noninterest income to average assets | 1.1474% | 908 |
| Noninterest expense to average assets | 3.9028% | 763 |
| Loan and lease loss provision to assets | 0.0995% | 2,163 |
| Net operating income to assets | 1.3069% | 1,304 |
| Return on assets (ROA) | 1.3069% | 1,362 |
| Pretax return on assets | 1.3069% | 2,333 |
| Return on Equity (ROE) | 13.8753% | 929 |
| Retained earnings to average equity (ytd only) | 10.2304% | 626 |
| Net charge-offs to loans | -0.1850% | 6,001 |
| Credit loss provision to net charge-offs | -83.8710% | 4,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5096% | 2,748 |
| Assets per employee ($millions) | 3.5343% | 4,730 |
| Cash dividends to net income (ytd only)* | 26.2695% | 2,945 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3539% | 2,970 |
| Loan loss allowance to noncurrent loans | 409.6210% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2206% | 4,984 |
| Noncurrent loans to loans | 0.3305% | 4,508 |
| Net loans and leases to total assets | 65.8281% | 2,983 |
| Net loans and leases to deposits | 81.8960% | 2,567 |
| Net loans and leases to core deposits | 89.0398% | 2,447 |
| Total domestic deposits to total assets | 80.3802% | 4,781 |
| Equity capital to assets | 9.6514% | 4,466 |
| Core capital (leverage) ratio | 9.4498% | 4,339 |
| Tier 1 risk-based capital ratio | 9.8768% | 6,124 |
| Total risk-based capital ratio | 10.8107% | 6,167 |
| Memoranda: |
| Average total assets | $156,708,000 | 3,533 |
| Average earning assets | $142,723,330 | 3,557 |
| Average equity | $14,760,000 | 3,929 |
| Average total loans | $100,524,330 | 3,434 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9069% | 689 |
| Cost of funding earning assets | 0.4639% | 2,633 |
| Net interest margin | 4.4430% | 669 |
| Noninterest income to average assets | 0.8773% | 1,469 |
| Noninterest expense to average assets | 3.7456% | 941 |
| Loan and lease loss provision to assets | 0.0992% | 2,042 |
| Net operating income to assets | 1.0756% | 1,948 |
| Return on assets (ROA) | 1.0756% | 2,068 |
| Pretax return on assets | 1.0756% | 3,190 |
| Return on Equity (ROE) | 11.5609% | 1,462 |
| Retained earnings to average equity (ytd only) | 8.8279% | 1,259 |
| Net charge-offs to loans | -0.1132% | 5,900 |
| Credit loss provision to net charge-offs | -139.2857% | 4,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1240% | 2,497 |
| Assets per employee ($millions) | 3.7628% | 4,401 |
| Cash dividends to net income (ytd only)* | 23.6407% | 2,471 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2770% | 3,535 |
| Loan loss allowance to noncurrent loans | 312.2302% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.2639% | 4,885 |
| Noncurrent loans to loans | 0.4090% | 4,361 |
| Net loans and leases to total assets | 63.6885% | 3,136 |
| Net loans and leases to deposits | 78.4499% | 2,744 |
| Net loans and leases to core deposits | 86.5124% | 2,496 |
| Total domestic deposits to total assets | 81.1836% | 4,772 |
| Equity capital to assets | 9.4275% | 4,831 |
| Core capital (leverage) ratio | 9.2095% | 4,696 |
| Tier 1 risk-based capital ratio | 9.8979% | 6,193 |
| Total risk-based capital ratio | 10.7823% | 6,246 |
| Memoranda: |
| Average total assets | $157,306,500 | 3,550 |
| Average earning assets | $143,146,500 | 3,574 |
| Average equity | $14,635,500 | 3,970 |
| Average total loans | $98,899,000 | 3,477 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9497% | 850 |
| Cost of funding earning assets | 0.5856% | 1,899 |
| Net interest margin | 4.3640% | 941 |
| Noninterest income to average assets | 1.1210% | 969 |
| Noninterest expense to average assets | 3.8921% | 867 |
| Loan and lease loss provision to assets | 0.5971% | 237 |
| Net operating income to assets | 0.5945% | 4,400 |
| Return on assets (ROA) | 0.6611% | 4,183 |
| Pretax return on assets | 0.6611% | 4,754 |
| Return on Equity (ROE) | 7.2682% | 3,481 |
| Retained earnings to average equity (ytd only) | 4.1056% | 3,280 |
| Net charge-offs to loans | 1.3196% | 198 |
| Credit loss provision to net charge-offs | 72.8077% | 3,002 |
| Earnings coverage of net charge-offs (x) | 1.4529% | 4,415 |
| Efficiency ratio | 76.5607% | 2,429 |
| Assets per employee ($millions) | 3.8189% | 4,312 |
| Cash dividends to net income (ytd only)* | 43.5130% | 2,665 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2875% | 3,498 |
| Loan loss allowance to noncurrent loans | 348.5876% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.2261% | 5,119 |
| Noncurrent loans to loans | 0.3694% | 4,548 |
| Net loans and leases to total assets | 60.4247% | 3,735 |
| Net loans and leases to deposits | 75.5321% | 3,252 |
| Net loans and leases to core deposits | 84.4611% | 2,849 |
| Total domestic deposits to total assets | 79.9987% | 5,018 |
| Equity capital to assets | 9.1790% | 5,097 |
| Core capital (leverage) ratio | 8.8323% | 5,209 |
| Tier 1 risk-based capital ratio | 12.3606% | 5,121 |
| Total risk-based capital ratio | 13.4619% | 5,134 |
| Memoranda: |
| Average total assets | $151,563,200 | 3,607 |
| Average earning assets | $137,625,200 | 3,633 |
| Average equity | $13,786,000 | 4,057 |
| Average total loans | $94,195,800 | 3,545 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9853% | 791 |
| Cost of funding earning assets | 0.5464% | 2,326 |
| Net interest margin | 4.4389% | 835 |
| Noninterest income to average assets | 1.1993% | 835 |
| Noninterest expense to average assets | 3.9127% | 828 |
| Loan and lease loss provision to assets | 0.4382% | 362 |
| Net operating income to assets | 0.8764% | 3,039 |
| Return on assets (ROA) | 0.7868% | 3,590 |
| Pretax return on assets | 0.7868% | 4,408 |
| Return on Equity (ROE) | 8.6707% | 2,860 |
| Retained earnings to average equity (ytd only) | 4.4087% | 3,515 |
| Net charge-offs to loans | 0.6170% | 588 |
| Credit loss provision to net charge-offs | 113.8249% | 1,995 |
| Earnings coverage of net charge-offs (x) | 3.4148% | 3,660 |
| Efficiency ratio | 74.8515% | 2,686 |
| Assets per employee ($millions) | 3.7480% | 4,402 |
| Cash dividends to net income (ytd only)* | 49.1544% | 1,875 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7286% | 1,889 |
| Loan loss allowance to noncurrent loans | 103.6849% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.0243% | 2,911 |
| Noncurrent loans to loans | 1.6672% | 1,958 |
| Net loans and leases to total assets | 60.3764% | 3,720 |
| Net loans and leases to deposits | 76.3944% | 3,139 |
| Net loans and leases to core deposits | 85.7682% | 2,687 |
| Total domestic deposits to total assets | 79.0324% | 5,319 |
| Equity capital to assets | 9.2083% | 5,139 |
| Core capital (leverage) ratio | 9.1280% | 4,883 |
| Tier 1 risk-based capital ratio | 12.3654% | 5,255 |
| Total risk-based capital ratio | 13.6182% | 5,183 |
| Memoranda: |
| Average total assets | $150,310,250 | 3,657 |
| Average earning assets | $136,398,000 | 3,683 |
| Average equity | $13,639,500 | 4,104 |
| Average total loans | $93,783,750 | 3,589 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0464% | 689 |
| Cost of funding earning assets | 0.5472% | 2,374 |
| Net interest margin | 4.4992% | 707 |
| Noninterest income to average assets | 1.3164% | 693 |
| Noninterest expense to average assets | 3.8997% | 853 |
| Loan and lease loss provision to assets | 0.3405% | 536 |
| Net operating income to assets | 1.1435% | 1,777 |
| Return on assets (ROA) | 1.0081% | 2,357 |
| Pretax return on assets | 1.0081% | 3,448 |
| Return on Equity (ROE) | 11.1661% | 1,689 |
| Retained earnings to average equity (ytd only) | 7.1867% | 1,674 |
| Net charge-offs to loans | 0.0577% | 3,145 |
| Credit loss provision to net charge-offs | 940.7407% | 349 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 1,037 |
| Efficiency ratio | 72.4353% | 3,254 |
| Assets per employee ($millions) | 3.4159% | 5,022 |
| Cash dividends to net income (ytd only)* | 35.6383% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8992% | 1,590 |
| Loan loss allowance to noncurrent loans | 59.2812% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 2.0180% | 1,584 |
| Noncurrent loans to loans | 3.2038% | 883 |
| Net loans and leases to total assets | 61.7907% | 3,439 |
| Net loans and leases to deposits | 79.3269% | 2,607 |
| Net loans and leases to core deposits | 90.3354% | 2,098 |
| Total domestic deposits to total assets | 77.8937% | 5,655 |
| Equity capital to assets | 9.4823% | 4,768 |
| Core capital (leverage) ratio | 9.4775% | 4,361 |
| Tier 1 risk-based capital ratio | 12.6482% | 5,126 |
| Total risk-based capital ratio | 13.8505% | 5,091 |
| Memoranda: |
| Average total assets | $149,191,670 | 3,691 |
| Average earning assets | $134,867,670 | 3,730 |
| Average equity | $13,469,330 | 4,139 |
| Average total loans | $93,575,000 | 3,602 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9398% | 804 |
| Cost of funding earning assets | 0.5598% | 2,347 |
| Net interest margin | 4.3800% | 838 |
| Noninterest income to average assets | 1.4182% | 581 |
| Noninterest expense to average assets | 3.7837% | 1,013 |
| Loan and lease loss provision to assets | 0.4306% | 383 |
| Net operating income to assets | 1.1626% | 1,586 |
| Return on assets (ROA) | 0.8935% | 2,749 |
| Pretax return on assets | 0.8935% | 3,721 |
| Return on Equity (ROE) | 10.1545% | 1,979 |
| Retained earnings to average equity (ytd only) | 6.0254% | 2,526 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3704% | 3,762 |
| Assets per employee ($millions) | 3.5480% | 4,831 |
| Cash dividends to net income (ytd only)* | 40.6627% | 1,969 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8174% | 1,985 |
| Loan loss allowance to noncurrent loans | 41.3267% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 2.8125% | 1,055 |
| Noncurrent loans to loans | 4.3977% | 567 |
| Net loans and leases to total assets | 62.7914% | 3,108 |
| Net loans and leases to deposits | 80.1027% | 2,279 |
| Net loans and leases to core deposits | 87.5654% | 2,142 |
| Total domestic deposits to total assets | 78.3886% | 5,769 |
| Equity capital to assets | 9.1803% | 4,891 |
| Core capital (leverage) ratio | 9.0877% | 4,886 |
| Tier 1 risk-based capital ratio | 12.1875% | 5,516 |
| Total risk-based capital ratio | 13.3912% | 5,472 |
| Memoranda: |
| Average total assets | $148,637,000 | 3,721 |
| Average earning assets | $134,338,000 | 3,760 |
| Average equity | $13,078,000 | 4,223 |
| Average total loans | $93,027,500 | 3,635 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6863% | 1,608 |
| Cost of funding earning assets | 0.6371% | 2,323 |
| Net interest margin | 4.0493% | 1,805 |
| Noninterest income to average assets | 1.3176% | 794 |
| Noninterest expense to average assets | 3.8524% | 1,053 |
| Loan and lease loss provision to assets | 0.1184% | 2,836 |
| Net operating income to assets | 1.0118% | 2,278 |
| Return on assets (ROA) | 0.8628% | 3,040 |
| Pretax return on assets | 0.8628% | 3,906 |
| Return on Equity (ROE) | 9.7456% | 2,221 |
| Retained earnings to average equity (ytd only) | 6.3791% | 1,755 |
| Net charge-offs to loans | 0.2206% | 2,699 |
| Credit loss provision to net charge-offs | 92.8962% | 2,679 |
| Earnings coverage of net charge-offs (x) | 8.8689% | 2,591 |
| Efficiency ratio | 77.3166% | 2,569 |
| Assets per employee ($millions) | 3.5300% | 4,839 |
| Cash dividends to net income (ytd only)* | 34.5440% | 3,069 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7321% | 2,293 |
| Loan loss allowance to noncurrent loans | 42.3605% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 2.5030% | 1,368 |
| Noncurrent loans to loans | 4.0890% | 701 |
| Net loans and leases to total assets | 60.1531% | 3,684 |
| Net loans and leases to deposits | 75.5647% | 3,020 |
| Net loans and leases to core deposits | 83.9931% | 2,676 |
| Total domestic deposits to total assets | 79.6047% | 5,530 |
| Equity capital to assets | 8.4149% | 5,675 |
| Core capital (leverage) ratio | 8.4424% | 5,731 |
| Tier 1 risk-based capital ratio | 11.6793% | 5,814 |
| Total risk-based capital ratio | 12.9320% | 5,744 |
| Memoranda: |
| Average total assets | $143,599,200 | 3,819 |
| Average earning assets | $129,973,800 | 3,843 |
| Average equity | $12,713,400 | 4,310 |
| Average total loans | $82,950,200 | 3,851 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6106% | 1,866 |
| Cost of funding earning assets | 0.6488% | 2,369 |
| Net interest margin | 3.9618% | 2,068 |
| Noninterest income to average assets | 1.3414% | 817 |
| Noninterest expense to average assets | 3.8688% | 1,003 |
| Loan and lease loss provision to assets | 0.1264% | 2,717 |
| Net operating income to assets | 0.9361% | 2,656 |
| Return on assets (ROA) | 0.8443% | 3,246 |
| Pretax return on assets | 0.8443% | 4,122 |
| Return on Equity (ROE) | 9.4157% | 2,437 |
| Retained earnings to average equity (ytd only) | 5.7100% | 2,591 |
| Net charge-offs to loans | 0.2535% | 2,297 |
| Credit loss provision to net charge-offs | 87.6623% | 2,675 |
| Earnings coverage of net charge-offs (x) | 7.3701% | 2,808 |
| Efficiency ratio | 78.4548% | 2,346 |
| Assets per employee ($millions) | 3.4371% | 4,978 |
| Cash dividends to net income (ytd only)* | 39.3567% | 2,312 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7955% | 2,319 |
| Loan loss allowance to noncurrent loans | 41.0593% | 5,599 |
| Noncurrent assets plus other real estate owned to assets | 2.5806% | 1,473 |
| Noncurrent loans to loans | 4.3730% | 760 |
| Net loans and leases to total assets | 57.9529% | 4,015 |
| Net loans and leases to deposits | 73.1924% | 3,362 |
| Net loans and leases to core deposits | 81.6542% | 2,917 |
| Total domestic deposits to total assets | 79.1787% | 5,706 |
| Equity capital to assets | 8.4380% | 5,805 |
| Core capital (leverage) ratio | 8.5944% | 5,666 |
| Tier 1 risk-based capital ratio | 11.9383% | 5,813 |
| Total risk-based capital ratio | 13.1916% | 5,748 |
| Memoranda: |
| Average total assets | $142,434,000 | 3,881 |
| Average earning assets | $129,063,000 | 3,907 |
| Average equity | $12,772,750 | 4,352 |
| Average total loans | $80,999,000 | 3,939 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5494% | 2,029 |
| Cost of funding earning assets | 0.6656% | 2,353 |
| Net interest margin | 3.8838% | 2,259 |
| Noninterest income to average assets | 1.5016% | 693 |
| Noninterest expense to average assets | 3.8678% | 1,017 |
| Loan and lease loss provision to assets | 0.1280% | 2,716 |
| Net operating income to assets | 1.0238% | 2,221 |
| Return on assets (ROA) | 1.0238% | 2,344 |
| Pretax return on assets | 1.0238% | 3,398 |
| Return on Equity (ROE) | 11.1859% | 1,754 |
| Retained earnings to average equity (ytd only) | 8.8866% | 1,168 |
| Net charge-offs to loans | -0.0076% | 5,714 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0538% | 2,613 |
| Assets per employee ($millions) | 3.3562% | 5,157 |
| Cash dividends to net income (ytd only)* | 20.5556% | 2,975 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0309% | 1,786 |
| Loan loss allowance to noncurrent loans | 45.6474% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 2.5472% | 1,651 |
| Noncurrent loans to loans | 4.4490% | 790 |
| Net loans and leases to total assets | 56.0905% | 4,273 |
| Net loans and leases to deposits | 71.2875% | 3,545 |
| Net loans and leases to core deposits | 79.7987% | 3,046 |
| Total domestic deposits to total assets | 78.6820% | 5,857 |
| Equity capital to assets | 8.6436% | 5,620 |
| Core capital (leverage) ratio | 8.6749% | 5,453 |
| Tier 1 risk-based capital ratio | 12.6743% | 5,374 |
| Total risk-based capital ratio | 13.9294% | 5,313 |
| Memoranda: |
| Average total assets | $140,646,670 | 3,933 |
| Average earning assets | $127,400,670 | 3,954 |
| Average equity | $12,873,330 | 4,362 |
| Average total loans | $78,926,000 | 4,015 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5385% | 2,027 |
| Cost of funding earning assets | 0.6744% | 2,442 |
| Net interest margin | 3.8641% | 2,233 |
| Noninterest income to average assets | 1.4379% | 739 |
| Noninterest expense to average assets | 3.8613% | 1,045 |
| Loan and lease loss provision to assets | 0.1297% | 2,624 |
| Net operating income to assets | 0.9308% | 2,517 |
| Return on assets (ROA) | 0.9308% | 2,656 |
| Pretax return on assets | 0.9308% | 3,647 |
| Return on Equity (ROE) | 9.8830% | 2,104 |
| Retained earnings to average equity (ytd only) | 7.8329% | 1,812 |
| Net charge-offs to loans | -0.0104% | 5,454 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4543% | 2,544 |
| Assets per employee ($millions) | 3.4377% | 5,117 |
| Cash dividends to net income (ytd only)* | 20.7430% | 2,289 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0317% | 1,961 |
| Loan loss allowance to noncurrent loans | 45.5739% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 2.4802% | 1,861 |
| Noncurrent loans to loans | 4.4580% | 942 |
| Net loans and leases to total assets | 54.5036% | 4,332 |
| Net loans and leases to deposits | 68.5795% | 3,695 |
| Net loans and leases to core deposits | 76.6589% | 3,236 |
| Total domestic deposits to total assets | 79.4750% | 5,881 |
| Equity capital to assets | 9.0965% | 5,369 |
| Core capital (leverage) ratio | 9.2525% | 4,474 |
| Tier 1 risk-based capital ratio | 13.3866% | 4,947 |
| Total risk-based capital ratio | 14.6426% | 4,898 |
| Memoranda: |
| Average total assets | $138,812,500 | 4,006 |
| Average earning assets | $125,152,500 | 4,040 |
| Average equity | $13,073,000 | 4,369 |
| Average total loans | $77,076,500 | 4,097 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0210% | 1,502 |
| Cost of funding earning assets | 0.8818% | 2,059 |
| Net interest margin | 4.1393% | 1,860 |
| Noninterest income to average assets | 1.5100% | 691 |
| Noninterest expense to average assets | 4.0379% | 938 |
| Loan and lease loss provision to assets | 0.2176% | 2,959 |
| Net operating income to assets | 1.0112% | 2,290 |
| Return on assets (ROA) | 1.0112% | 2,504 |
| Pretax return on assets | 1.0112% | 3,515 |
| Return on Equity (ROE) | 9.4274% | 2,432 |
| Retained earnings to average equity (ytd only) | 4.6426% | 2,950 |
| Net charge-offs to loans | 0.0565% | 5,135 |
| Credit loss provision to net charge-offs | 626.8293% | 388 |
| Earnings coverage of net charge-offs (x) | 35.3902% | 888 |
| Efficiency ratio | 76.6683% | 2,642 |
| Assets per employee ($millions) | 3.2498% | 5,513 |
| Cash dividends to net income (ytd only)* | 50.7538% | 2,273 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1469% | 1,655 |
| Loan loss allowance to noncurrent loans | 51.3277% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 2.3176% | 2,119 |
| Noncurrent loans to loans | 4.1828% | 1,090 |
| Net loans and leases to total assets | 54.2187% | 4,591 |
| Net loans and leases to deposits | 68.8423% | 3,857 |
| Net loans and leases to core deposits | 75.9912% | 3,534 |
| Total domestic deposits to total assets | 78.7579% | 5,945 |
| Equity capital to assets | 9.7658% | 4,503 |
| Core capital (leverage) ratio | 9.7441% | 3,745 |
| Tier 1 risk-based capital ratio | 14.5278% | 4,012 |
| Total risk-based capital ratio | 15.7848% | 3,963 |
| Memoranda: |
| Average total assets | $118,081,000 | 4,399 |
| Average earning assets | $107,169,000 | 4,413 |
| Average equity | $12,665,200 | 4,426 |
| Average total loans | $72,557,400 | 4,252 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2053% | 1,180 |
| Cost of funding earning assets | 0.9052% | 2,139 |
| Net interest margin | 4.3001% | 1,457 |
| Noninterest income to average assets | 1.1421% | 1,165 |
| Noninterest expense to average assets | 3.7704% | 1,262 |
| Loan and lease loss provision to assets | 0.1050% | 4,260 |
| Net operating income to assets | 1.1957% | 1,759 |
| Return on assets (ROA) | 1.1957% | 1,931 |
| Pretax return on assets | 1.1957% | 3,003 |
| Return on Equity (ROE) | 10.8648% | 2,005 |
| Retained earnings to average equity (ytd only) | 5.9995% | 2,697 |
| Net charge-offs to loans | 0.0185% | 5,417 |
| Credit loss provision to net charge-offs | 900.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 111.5251% | 384 |
| Efficiency ratio | 74.3501% | 2,926 |
| Assets per employee ($millions) | 3.0555% | 5,952 |
| Cash dividends to net income (ytd only)* | 44.7802% | 1,944 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9641% | 2,277 |
| Loan loss allowance to noncurrent loans | 158.8816% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 1.0944% | 4,106 |
| Noncurrent loans to loans | 1.2362% | 3,986 |
| Net loans and leases to total assets | 57.7329% | 4,175 |
| Net loans and leases to deposits | 76.9655% | 2,825 |
| Net loans and leases to core deposits | 87.6434% | 2,254 |
| Total domestic deposits to total assets | 75.0114% | 6,519 |
| Equity capital to assets | 10.5446% | 3,787 |
| Core capital (leverage) ratio | 10.3800% | 3,064 |
| Tier 1 risk-based capital ratio | 15.2599% | 3,666 |
| Total risk-based capital ratio | 16.5156% | 3,617 |
| Memoranda: |
| Average total assets | $114,291,250 | 4,528 |
| Average earning assets | $104,429,250 | 4,527 |
| Average equity | $12,578,500 | 4,485 |
| Average total loans | $72,240,250 | 4,315 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2651% | 1,109 |
| Cost of funding earning assets | 0.9181% | 2,269 |
| Net interest margin | 4.3471% | 1,347 |
| Noninterest income to average assets | 1.0811% | 1,223 |
| Noninterest expense to average assets | 3.7386% | 1,315 |
| Loan and lease loss provision to assets | 0.1627% | 3,478 |
| Net operating income to assets | 1.1859% | 1,762 |
| Return on assets (ROA) | 1.1859% | 1,960 |
| Pretax return on assets | 1.1859% | 2,993 |
| Return on Equity (ROE) | 10.6080% | 2,128 |
| Retained earnings to average equity (ytd only) | 5.4172% | 3,033 |
| Net charge-offs to loans | -0.0139% | 6,354 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4897% | 3,161 |
| Assets per employee ($millions) | 3.7855% | 4,352 |
| Cash dividends to net income (ytd only)* | 48.9329% | 1,785 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0205% | 2,178 |
| Loan loss allowance to noncurrent loans | 138.7678% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 1.2970% | 3,832 |
| Noncurrent loans to loans | 1.4560% | 3,724 |
| Net loans and leases to total assets | 60.4973% | 3,736 |
| Net loans and leases to deposits | 79.4896% | 2,454 |
| Net loans and leases to core deposits | 91.5826% | 1,813 |
| Total domestic deposits to total assets | 76.1072% | 6,441 |
| Equity capital to assets | 10.6912% | 3,467 |
| Core capital (leverage) ratio | 10.6828% | 2,622 |
| Tier 1 risk-based capital ratio | 15.3925% | 3,507 |
| Total risk-based capital ratio | 16.6499% | 3,466 |
| Memoranda: |
| Average total assets | $110,629,330 | 4,649 |
| Average earning assets | $101,953,670 | 4,626 |
| Average equity | $12,368,000 | 4,532 |
| Average total loans | $71,728,670 | 4,362 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4069% | 898 |
| Cost of funding earning assets | 0.9472% | 2,315 |
| Net interest margin | 4.4597% | 1,091 |
| Noninterest income to average assets | 1.0739% | 1,255 |
| Noninterest expense to average assets | 3.8333% | 1,161 |
| Loan and lease loss provision to assets | 0.1678% | 3,296 |
| Net operating income to assets | 1.1634% | 1,847 |
| Return on assets (ROA) | 1.1634% | 2,028 |
| Pretax return on assets | 1.1634% | 3,057 |
| Return on Equity (ROE) | 10.1637% | 2,340 |
| Retained earnings to average equity (ytd only) | 3.7788% | 4,318 |
| Net charge-offs to loans | -0.0168% | 6,118 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2238% | 3,067 |
| Assets per employee ($millions) | 3.3315% | 5,493 |
| Cash dividends to net income (ytd only)* | 62.8205% | 1,141 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9583% | 2,495 |
| Loan loss allowance to noncurrent loans | 88.1219% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 1.8319% | 3,136 |
| Noncurrent loans to loans | 2.2223% | 2,899 |
| Net loans and leases to total assets | 62.6300% | 3,139 |
| Net loans and leases to deposits | 81.5967% | 1,986 |
| Net loans and leases to core deposits | 94.3854% | 1,434 |
| Total domestic deposits to total assets | 76.7555% | 6,438 |
| Equity capital to assets | 10.8484% | 3,085 |
| Core capital (leverage) ratio | 11.3336% | 2,011 |
| Tier 1 risk-based capital ratio | 15.2336% | 3,602 |
| Total risk-based capital ratio | 16.4906% | 3,560 |
| Memoranda: |
| Average total assets | $107,269,500 | 4,765 |
| Average earning assets | $98,392,500 | 4,733 |
| Average equity | $12,279,000 | 4,561 |
| Average total loans | $71,364,500 | 4,405 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9077% | 509 |
| Cost of funding earning assets | 1.1217% | 2,527 |
| Net interest margin | 4.7860% | 647 |
| Noninterest income to average assets | 1.0134% | 1,330 |
| Noninterest expense to average assets | 3.5961% | 1,754 |
| Loan and lease loss provision to assets | 0.3731% | 2,755 |
| Net operating income to assets | 1.4006% | 1,030 |
| Return on assets (ROA) | 1.4222% | 1,061 |
| Pretax return on assets | 1.4222% | 1,710 |
| Return on Equity (ROE) | 14.0672% | 913 |
| Retained earnings to average equity (ytd only) | 9.4138% | 695 |
| Net charge-offs to loans | 0.1218% | 5,170 |
| Credit loss provision to net charge-offs | 425.9259% | 537 |
| Earnings coverage of net charge-offs (x) | 20.2469% | 1,142 |
| Efficiency ratio | 66.9688% | 4,583 |
| Assets per employee ($millions) | 2.9785% | 6,133 |
| Cash dividends to net income (ytd only)* | 33.0798% | 2,980 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9440% | 2,436 |
| Loan loss allowance to noncurrent loans | 308.8036% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.9272% | 4,753 |
| Noncurrent loans to loans | 0.6295% | 5,458 |
| Net loans and leases to total assets | 68.1383% | 2,372 |
| Net loans and leases to deposits | 90.5622% | 1,088 |
| Net loans and leases to core deposits | 106.9250% | 762 |
| Total domestic deposits to total assets | 75.2392% | 6,570 |
| Equity capital to assets | 12.1162% | 2,034 |
| Core capital (leverage) ratio | 11.9076% | 1,650 |
| Tier 1 risk-based capital ratio | 15.6310% | 3,249 |
| Total risk-based capital ratio | 16.9569% | 3,173 |
| Memoranda: |
| Average total assets | $92,462,200 | 5,115 |
| Average earning assets | $84,161,600 | 5,117 |
| Average equity | $9,348,000 | 5,198 |
| Average total loans | $66,513,800 | 4,610 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8365% | 651 |
| Cost of funding earning assets | 1.1410% | 2,690 |
| Net interest margin | 4.6955% | 772 |
| Noninterest income to average assets | 0.9764% | 1,404 |
| Noninterest expense to average assets | 3.5216% | 1,888 |
| Loan and lease loss provision to assets | 0.5096% | 1,943 |
| Net operating income to assets | 1.2187% | 1,603 |
| Return on assets (ROA) | 1.2187% | 1,712 |
| Pretax return on assets | 1.2187% | 2,570 |
| Return on Equity (ROE) | 12.7644% | 1,341 |
| Retained earnings to average equity (ytd only) | 7.5039% | 1,707 |
| Net charge-offs to loans | 0.0753% | 5,211 |
| Credit loss provision to net charge-offs | 932.4324% | 286 |
| Earnings coverage of net charge-offs (x) | 31.6229% | 901 |
| Efficiency ratio | 67.0793% | 4,506 |
| Assets per employee ($millions) | 2.9371% | 6,251 |
| Cash dividends to net income (ytd only)* | 41.2120% | 1,981 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0267% | 2,261 |
| Loan loss allowance to noncurrent loans | 162.6007% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 1.3969% | 4,032 |
| Noncurrent loans to loans | 1.2464% | 4,458 |
| Net loans and leases to total assets | 68.4014% | 2,399 |
| Net loans and leases to deposits | 93.2812% | 900 |
| Net loans and leases to core deposits | 108.8142% | 732 |
| Total domestic deposits to total assets | 73.3282% | 6,826 |
| Equity capital to assets | 11.4628% | 2,717 |
| Core capital (leverage) ratio | 11.4523% | 2,060 |
| Tier 1 risk-based capital ratio | 14.6298% | 3,883 |
| Total risk-based capital ratio | 15.8988% | 3,845 |
| Memoranda: |
| Average total assets | $90,260,500 | 5,219 |
| Average earning assets | $82,148,000 | 5,213 |
| Average equity | $8,617,500 | 5,407 |
| Average total loans | $65,549,500 | 4,695 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8939% | 588 |
| Cost of funding earning assets | 1.1732% | 2,760 |
| Net interest margin | 4.7206% | 696 |
| Noninterest income to average assets | 1.0200% | 1,272 |
| Noninterest expense to average assets | 3.5148% | 1,947 |
| Loan and lease loss provision to assets | 0.4480% | 2,186 |
| Net operating income to assets | 1.3462% | 1,202 |
| Return on assets (ROA) | 1.3462% | 1,277 |
| Pretax return on assets | 1.3462% | 1,974 |
| Return on Equity (ROE) | 15.2717% | 749 |
| Retained earnings to average equity (ytd only) | 9.1213% | 1,064 |
| Net charge-offs to loans | 0.1060% | 4,626 |
| Credit loss provision to net charge-offs | 573.5294% | 541 |
| Earnings coverage of net charge-offs (x) | 22.9706% | 1,105 |
| Efficiency ratio | 66.2051% | 4,838 |
| Assets per employee ($millions) | 3.3360% | 5,356 |
| Cash dividends to net income (ytd only)* | 40.2730% | 2,060 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8634% | 2,787 |
| Loan loss allowance to noncurrent loans | 82.6371% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 1.8607% | 3,421 |
| Noncurrent loans to loans | 2.2550% | 3,157 |
| Net loans and leases to total assets | 71.3783% | 1,912 |
| Net loans and leases to deposits | 91.7337% | 1,086 |
| Net loans and leases to core deposits | 107.1379% | 855 |
| Total domestic deposits to total assets | 77.8103% | 6,324 |
| Equity capital to assets | 8.4757% | 6,218 |
| Core capital (leverage) ratio | 8.7472% | 5,144 |
| Tier 1 risk-based capital ratio | 10.7156% | 6,707 |
| Total risk-based capital ratio | 11.9720% | 6,685 |
| Memoranda: |
| Average total assets | $87,060,000 | 5,343 |
| Average earning assets | $79,099,330 | 5,340 |
| Average equity | $7,674,330 | 5,713 |
| Average total loans | $64,159,330 | 4,786 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7966% | 743 |
| Cost of funding earning assets | 1.1793% | 2,952 |
| Net interest margin | 4.6173% | 834 |
| Noninterest income to average assets | 1.0586% | 1,173 |
| Noninterest expense to average assets | 3.6192% | 1,727 |
| Loan and lease loss provision to assets | 0.4292% | 2,044 |
| Net operating income to assets | 1.1921% | 1,543 |
| Return on assets (ROA) | 1.1921% | 1,588 |
| Pretax return on assets | 1.1921% | 2,402 |
| Return on Equity (ROE) | 13.2398% | 1,137 |
| Retained earnings to average equity (ytd only) | 6.0373% | 2,616 |
| Net charge-offs to loans | 0.2377% | 3,128 |
| Credit loss provision to net charge-offs | 243.2432% | 1,284 |
| Earnings coverage of net charge-offs (x) | 9.1892% | 1,748 |
| Efficiency ratio | 69.0628% | 4,462 |
| Assets per employee ($millions) | 3.0788% | 5,984 |
| Cash dividends to net income (ytd only)* | 54.4000% | 1,376 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8120% | 2,973 |
| Loan loss allowance to noncurrent loans | 124.2489% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 1.4234% | 4,145 |
| Noncurrent loans to loans | 1.4584% | 4,281 |
| Net loans and leases to total assets | 72.7893% | 1,560 |
| Net loans and leases to deposits | 94.7311% | 764 |
| Net loans and leases to core deposits | 113.0574% | 624 |
| Total domestic deposits to total assets | 76.8378% | 6,559 |
| Equity capital to assets | 8.8255% | 5,456 |
| Core capital (leverage) ratio | 9.0149% | 4,590 |
| Tier 1 risk-based capital ratio | 10.9569% | 6,538 |
| Total risk-based capital ratio | 12.2132% | 6,510 |
| Memoranda: |
| Average total assets | $83,886,000 | 5,474 |
| Average earning assets | $75,975,000 | 5,474 |
| Average equity | $7,553,000 | 5,760 |
| Average total loans | $62,269,500 | 4,890 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8469% | 1,157 |
| Cost of funding earning assets | 1.3216% | 3,742 |
| Net interest margin | 4.5253% | 1,172 |
| Noninterest income to average assets | 1.3044% | 862 |
| Noninterest expense to average assets | 3.4756% | 2,239 |
| Loan and lease loss provision to assets | 0.3646% | 3,928 |
| Net operating income to assets | 1.5839% | 636 |
| Return on assets (ROA) | 1.5839% | 695 |
| Pretax return on assets | 1.5839% | 1,164 |
| Return on Equity (ROE) | 17.5326% | 423 |
| Retained earnings to average equity (ytd only) | 10.3581% | 455 |
| Net charge-offs to loans | 0.0608% | 6,184 |
| Credit loss provision to net charge-offs | 818.1818% | 264 |
| Earnings coverage of net charge-offs (x) | 43.7273% | 532 |
| Efficiency ratio | 64.0777% | 5,339 |
| Assets per employee ($millions) | 3.2627% | 5,507 |
| Cash dividends to net income (ytd only)* | 40.9207% | 2,549 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8224% | 2,789 |
| Loan loss allowance to noncurrent loans | 106.9700% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 1.7703% | 3,657 |
| Noncurrent loans to loans | 1.7037% | 3,948 |
| Net loans and leases to total assets | 72.9805% | 1,877 |
| Net loans and leases to deposits | 94.9016% | 968 |
| Net loans and leases to core deposits | 113.5662% | 742 |
| Total domestic deposits to total assets | 76.9012% | 6,494 |
| Equity capital to assets | 9.1924% | 4,852 |
| Core capital (leverage) ratio | 9.1437% | 4,276 |
| Tier 1 risk-based capital ratio | 11.2790% | 6,110 |
| Total risk-based capital ratio | 12.5341% | 6,087 |
| Memoranda: |
| Average total assets | $74,058,600 | 5,762 |
| Average earning assets | $67,420,800 | 5,759 |
| Average equity | $6,690,400 | 6,136 |
| Average total loans | $54,299,400 | 5,303 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8781% | 1,186 |
| Cost of funding earning assets | 1.3484% | 3,910 |
| Net interest margin | 4.5297% | 1,190 |
| Noninterest income to average assets | 1.2487% | 881 |
| Noninterest expense to average assets | 3.4154% | 2,248 |
| Loan and lease loss provision to assets | 0.4156% | 3,412 |
| Net operating income to assets | 1.5442% | 840 |
| Return on assets (ROA) | 1.5442% | 921 |
| Pretax return on assets | 1.5442% | 1,491 |
| Return on Equity (ROE) | 17.1787% | 569 |
| Retained earnings to average equity (ytd only) | 10.3155% | 724 |
| Net charge-offs to loans | 0.0405% | 6,141 |
| Credit loss provision to net charge-offs | 1,406.2500% | 217 |
| Earnings coverage of net charge-offs (x) | 66.3211% | 453 |
| Efficiency ratio | 63.5395% | 5,337 |
| Assets per employee ($millions) | 3.1464% | 5,813 |
| Cash dividends to net income (ytd only)* | 39.9519% | 2,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9536% | 2,343 |
| Loan loss allowance to noncurrent loans | 90.2766% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 1.8637% | 3,655 |
| Noncurrent loans to loans | 2.1640% | 3,491 |
| Net loans and leases to total assets | 68.7169% | 3,052 |
| Net loans and leases to deposits | 90.0371% | 1,714 |
| Net loans and leases to core deposits | 110.7169% | 998 |
| Total domestic deposits to total assets | 76.3206% | 6,597 |
| Equity capital to assets | 9.3454% | 5,055 |
| Core capital (leverage) ratio | 9.3911% | 4,071 |
| Tier 1 risk-based capital ratio | 11.7561% | 5,679 |
| Total risk-based capital ratio | 13.0122% | 5,649 |
| Memoranda: |
| Average total assets | $72,181,500 | 5,872 |
| Average earning assets | $65,756,500 | 5,868 |
| Average equity | $6,488,500 | 6,283 |
| Average total loans | $52,716,000 | 5,455 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9388% | 1,084 |
| Cost of funding earning assets | 1.3835% | 3,983 |
| Net interest margin | 4.5553% | 1,092 |
| Noninterest income to average assets | 1.0968% | 1,102 |
| Noninterest expense to average assets | 3.3932% | 2,277 |
| Loan and lease loss provision to assets | 0.5141% | 2,742 |
| Net operating income to assets | 1.3367% | 1,224 |
| Return on assets (ROA) | 1.3367% | 1,298 |
| Pretax return on assets | 1.3367% | 1,983 |
| Return on Equity (ROE) | 15.0943% | 841 |
| Retained earnings to average equity (ytd only) | 7.7729% | 1,521 |
| Net charge-offs to loans | 0.0501% | 5,687 |
| Credit loss provision to net charge-offs | 1,384.6154% | 285 |
| Earnings coverage of net charge-offs (x) | 49.8462% | 594 |
| Efficiency ratio | 64.7059% | 5,204 |
| Assets per employee ($millions) | 3.0510% | 6,034 |
| Cash dividends to net income (ytd only)* | 48.5043% | 1,756 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9401% | 2,324 |
| Loan loss allowance to noncurrent loans | 84.0097% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 1.8068% | 3,749 |
| Noncurrent loans to loans | 2.3093% | 3,360 |
| Net loans and leases to total assets | 71.4428% | 2,552 |
| Net loans and leases to deposits | 89.6663% | 1,915 |
| Net loans and leases to core deposits | 110.9852% | 1,102 |
| Total domestic deposits to total assets | 79.6763% | 5,828 |
| Equity capital to assets | 8.7593% | 5,799 |
| Core capital (leverage) ratio | 8.8033% | 4,908 |
| Tier 1 risk-based capital ratio | 10.7896% | 6,453 |
| Total risk-based capital ratio | 12.0462% | 6,433 |
| Memoranda: |
| Average total assets | $70,022,330 | 5,978 |
| Average earning assets | $63,750,330 | 5,963 |
| Average equity | $6,201,000 | 6,405 |
| Average total loans | $51,911,670 | 5,521 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0444% | 898 |
| Cost of funding earning assets | 1.3988% | 4,182 |
| Net interest margin | 4.6456% | 877 |
| Noninterest income to average assets | 0.9354% | 1,500 |
| Noninterest expense to average assets | 3.4551% | 2,089 |
| Loan and lease loss provision to assets | 0.5262% | 2,395 |
| Net operating income to assets | 1.1868% | 1,573 |
| Return on assets (ROA) | 1.1868% | 1,650 |
| Pretax return on assets | 1.1868% | 2,407 |
| Return on Equity (ROE) | 13.3235% | 1,186 |
| Retained earnings to average equity (ytd only) | 3.7411% | 3,910 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8552% | 4,945 |
| Assets per employee ($millions) | 3.2367% | 5,680 |
| Cash dividends to net income (ytd only)* | 71.9212% | 994 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8519% | 2,571 |
| Loan loss allowance to noncurrent loans | 68.9209% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 2.0799% | 3,414 |
| Noncurrent loans to loans | 2.6869% | 2,986 |
| Net loans and leases to total assets | 71.3048% | 2,617 |
| Net loans and leases to deposits | 89.6513% | 1,959 |
| Net loans and leases to core deposits | 111.7410% | 1,180 |
| Total domestic deposits to total assets | 79.5357% | 5,936 |
| Equity capital to assets | 8.6242% | 5,841 |
| Core capital (leverage) ratio | 8.9425% | 4,664 |
| Tier 1 risk-based capital ratio | 10.6918% | 6,452 |
| Total risk-based capital ratio | 11.9467% | 6,435 |
| Memoranda: |
| Average total assets | $68,421,000 | 6,093 |
| Average earning assets | $62,338,500 | 6,070 |
| Average equity | $6,094,500 | 6,489 |
| Average total loans | $51,193,000 | 5,624 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7333% | 433 |
| Cost of funding earning assets | 1.7542% | 4,231 |
| Net interest margin | 4.9791% | 471 |
| Noninterest income to average assets | 1.2404% | 980 |
| Noninterest expense to average assets | 3.7299% | 1,842 |
| Loan and lease loss provision to assets | 0.3578% | 4,656 |
| Net operating income to assets | 1.6698% | 472 |
| Return on assets (ROA) | 1.6698% | 501 |
| Pretax return on assets | 1.6698% | 835 |
| Return on Equity (ROE) | 18.1159% | 360 |
| Retained earnings to average equity (ytd only) | 13.5685% | 133 |
| Net charge-offs to loans | 0.0089% | 7,108 |
| Credit loss provision to net charge-offs | 5,250.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 297.5000% | 98 |
| Efficiency ratio | 64.7825% | 5,626 |
| Assets per employee ($millions) | 2.9834% | 6,262 |
| Cash dividends to net income (ytd only)* | 25.1020% | 3,506 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7136% | 2,856 |
| Loan loss allowance to noncurrent loans | 148.3761% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 1.0315% | 5,041 |
| Noncurrent loans to loans | 1.1549% | 5,019 |
| Net loans and leases to total assets | 75.8528% | 1,837 |
| Net loans and leases to deposits | 100.4621% | 865 |
| Net loans and leases to core deposits | 136.6171% | 930 |
| Total domestic deposits to total assets | 75.5039% | 6,775 |
| Equity capital to assets | 9.2146% | 4,822 |
| Core capital (leverage) ratio | 9.5759% | 3,632 |
| Tier 1 risk-based capital ratio | 10.9851% | 5,926 |
| Total risk-based capital ratio | 12.2388% | 5,898 |
| Memoranda: |
| Average total assets | $58,688,400 | 6,401 |
| Average earning assets | $53,242,800 | 6,406 |
| Average equity | $5,409,600 | 6,799 |
| Average total loans | $44,880,800 | 5,878 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7984% | 417 |
| Cost of funding earning assets | 1.8583% | 4,104 |
| Net interest margin | 4.9401% | 507 |
| Noninterest income to average assets | 1.0582% | 1,420 |
| Noninterest expense to average assets | 3.7832% | 1,628 |
| Loan and lease loss provision to assets | 0.3161% | 4,449 |
| Net operating income to assets | 1.4398% | 944 |
| Return on assets (ROA) | 1.4398% | 1,003 |
| Pretax return on assets | 1.4398% | 1,592 |
| Return on Equity (ROE) | 15.6187% | 703 |
| Retained earnings to average equity (ytd only) | 11.8347% | 361 |
| Net charge-offs to loans | 0.0123% | 6,753 |
| Credit loss provision to net charge-offs | 3,375.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 187.6135% | 210 |
| Efficiency ratio | 68.3009% | 4,903 |
| Assets per employee ($millions) | 2.7328% | 6,778 |
| Cash dividends to net income (ytd only)* | 24.2274% | 3,086 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7199% | 2,548 |
| Loan loss allowance to noncurrent loans | 157.6541% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.9165% | 5,237 |
| Noncurrent loans to loans | 1.0910% | 5,126 |
| Net loans and leases to total assets | 75.3697% | 2,141 |
| Net loans and leases to deposits | 98.2076% | 1,299 |
| Net loans and leases to core deposits | 131.7851% | 1,337 |
| Total domestic deposits to total assets | 76.7452% | 6,411 |
| Equity capital to assets | 9.1948% | 5,175 |
| Core capital (leverage) ratio | 9.3696% | 4,090 |
| Tier 1 risk-based capital ratio | 10.7822% | 6,181 |
| Total risk-based capital ratio | 12.0347% | 6,141 |
| Memoranda: |
| Average total assets | $56,951,750 | 6,506 |
| Average earning assets | $51,658,000 | 6,513 |
| Average equity | $5,250,000 | 6,923 |
| Average total loans | $43,437,500 | 6,001 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8065% | 446 |
| Cost of funding earning assets | 2.0091% | 3,731 |
| Net interest margin | 4.7974% | 656 |
| Noninterest income to average assets | 1.0985% | 1,317 |
| Noninterest expense to average assets | 3.7856% | 1,680 |
| Loan and lease loss provision to assets | 0.3220% | 4,011 |
| Net operating income to assets | 1.3311% | 1,158 |
| Return on assets (ROA) | 1.3311% | 1,233 |
| Pretax return on assets | 1.3311% | 1,931 |
| Return on Equity (ROE) | 14.4261% | 920 |
| Retained earnings to average equity (ytd only) | 11.7503% | 479 |
| Net charge-offs to loans | 0.0188% | 6,254 |
| Credit loss provision to net charge-offs | 2,250.0000% | 233 |
| Earnings coverage of net charge-offs (x) | 115.5000% | 332 |
| Efficiency ratio | 69.6053% | 4,860 |
| Assets per employee ($millions) | 2.6875% | 6,859 |
| Cash dividends to net income (ytd only)* | 18.5484% | 3,199 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7068% | 2,322 |
| Loan loss allowance to noncurrent loans | 175.5869% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.9231% | 5,126 |
| Noncurrent loans to loans | 0.9720% | 5,274 |
| Net loans and leases to total assets | 76.3262% | 2,099 |
| Net loans and leases to deposits | 104.9251% | 836 |
| Net loans and leases to core deposits | 139.6654% | 1,026 |
| Total domestic deposits to total assets | 72.7435% | 7,150 |
| Equity capital to assets | 9.3767% | 4,774 |
| Core capital (leverage) ratio | 9.2408% | 4,251 |
| Tier 1 risk-based capital ratio | 11.1041% | 5,771 |
| Total risk-based capital ratio | 12.3582% | 5,685 |
| Memoranda: |
| Average total assets | $55,895,330 | 6,598 |
| Average earning assets | $50,569,000 | 6,609 |
| Average equity | $5,157,330 | 7,010 |
| Average total loans | $42,548,000 | 6,088 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8787% | 423 |
| Cost of funding earning assets | 2.1282% | 3,518 |
| Net interest margin | 4.7505% | 686 |
| Noninterest income to average assets | 0.9924% | 1,502 |
| Noninterest expense to average assets | 3.7106% | 1,632 |
| Loan and lease loss provision to assets | 0.3236% | 3,382 |
| Net operating income to assets | 1.2441% | 1,525 |
| Return on assets (ROA) | 1.2441% | 1,630 |
| Pretax return on assets | 1.2441% | 2,472 |
| Return on Equity (ROE) | 13.5953% | 1,249 |
| Retained earnings to average equity (ytd only) | 13.5953% | 554 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2997% | 4,511 |
| Assets per employee ($millions) | 2.7999% | 6,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6733% | 2,230 |
| Loan loss allowance to noncurrent loans | 70,700.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 7,327 |
| Noncurrent loans to loans | 0.0024% | 7,581 |
| Net loans and leases to total assets | 74.1901% | 2,710 |
| Net loans and leases to deposits | 100.3018% | 1,373 |
| Net loans and leases to core deposits | 131.9685% | 1,542 |
| Total domestic deposits to total assets | 73.9669% | 6,897 |
| Equity capital to assets | 9.2557% | 5,003 |
| Core capital (leverage) ratio | 9.1978% | 4,403 |
| Tier 1 risk-based capital ratio | 10.7323% | 6,153 |
| Total risk-based capital ratio | 11.9852% | 6,058 |
| Memoranda: |
| Average total assets | $55,624,000 | 6,644 |
| Average earning assets | $50,184,000 | 6,654 |
| Average equity | $5,090,000 | 7,081 |
| Average total loans | $41,909,500 | 6,149 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3495% | 545 |
| Cost of funding earning assets | 2.5401% | 4,000 |
| Net interest margin | 4.8094% | 771 |
| Noninterest income to average assets | 1.1358% | 1,209 |
| Noninterest expense to average assets | 3.8174% | 1,724 |
| Loan and lease loss provision to assets | 0.6684% | 2,175 |
| Net operating income to assets | 0.9208% | 2,912 |
| Return on assets (ROA) | 0.9504% | 2,648 |
| Pretax return on assets | 0.9504% | 3,553 |
| Return on Equity (ROE) | 10.4086% | 2,121 |
| Retained earnings to average equity (ytd only) | 2.6993% | 3,499 |
| Net charge-offs to loans | 0.6423% | 1,922 |
| Credit loss provision to net charge-offs | 140.6639% | 3,773 |
| Earnings coverage of net charge-offs (x) | 3.3444% | 4,411 |
| Efficiency ratio | 70.6054% | 4,226 |
| Assets per employee ($millions) | 2.9079% | 6,277 |
| Cash dividends to net income (ytd only)* | 74.0664% | 1,984 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5926% | 2,277 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 6,250 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 74.0362% | 3,092 |
| Net loans and leases to deposits | 99.1877% | 1,961 |
| Net loans and leases to core deposits | 140.7750% | 1,225 |
| Total domestic deposits to total assets | 74.6425% | 6,531 |
| Equity capital to assets | 9.0443% | 5,316 |
| Core capital (leverage) ratio | 9.4628% | 4,064 |
| Tier 1 risk-based capital ratio | 11.0623% | 5,673 |
| Total risk-based capital ratio | 12.3144% | 5,554 |
| Memoranda: |
| Average total assets | $50,714,800 | 6,748 |
| Average earning assets | $45,037,200 | 6,810 |
| Average equity | $4,630,800 | 7,291 |
| Average total loans | $37,521,600 | 6,289 |
