| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0388% | 1,997 |
| Cost of funding earning assets | 1.1620% | 2,902 |
| Net interest margin | 3.8768% | 1,424 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 3.0995% | 959 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0256% | 2,133 |
| Return on assets (ROA) | 1.0256% | 2,116 |
| Pretax return on assets | 1.0806% | 2,468 |
| Return on Equity (ROE) | 13.5900% | 1,582 |
| Retained earnings to average equity (ytd only) | 2.4974% | 3,444 |
| Net charge-offs to loans | 0.0331% | 1,636 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 45.3333% | 1,354 |
| Efficiency ratio | 74.1480% | 1,443 |
| Assets per employee ($millions) | 4.8843% | 3,718 |
| Cash dividends to net income (ytd only)* | 81.6270% | 548 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4189% | 1,322 |
| Loan loss allowance to noncurrent loans | 338.3178% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 1,737 |
| Noncurrent loans to loans | 0.4194% | 1,731 |
| Net loans and leases to total assets | 71.5200% | 1,637 |
| Net loans and leases to deposits | 79.7745% | 2,130 |
| Net loans and leases to core deposits | 85.3997% | 2,347 |
| Total domestic deposits to total assets | 89.6500% | 858 |
| Equity capital to assets | 7.8312% | 3,522 |
| Core capital (leverage) ratio | 8.6662% | 3,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3902% | 2,103 |
| Memoranda: |
| Average total assets | $176,191,200 | 3,158 |
| Average earning assets | $165,238,400 | 3,136 |
| Average equity | $13,293,600 | 3,396 |
| Average total loans | $127,028,400 | 2,882 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9733% | 1,886 |
| Cost of funding earning assets | 1.0087% | 3,008 |
| Net interest margin | 3.9646% | 1,274 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 3.0526% | 986 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1300% | 1,968 |
| Return on assets (ROA) | 1.1300% | 1,948 |
| Pretax return on assets | 1.1920% | 2,317 |
| Return on Equity (ROE) | 15.1200% | 1,423 |
| Retained earnings to average equity (ytd only) | 3.2284% | 3,458 |
| Net charge-offs to loans | 0.0399% | 1,316 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 41.4737% | 1,425 |
| Efficiency ratio | 71.9173% | 1,577 |
| Assets per employee ($millions) | 4.8833% | 3,683 |
| Cash dividends to net income (ytd only)* | 78.6479% | 487 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4175% | 1,381 |
| Loan loss allowance to noncurrent loans | 301.8303% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.3516% | 1,622 |
| Noncurrent loans to loans | 0.4696% | 1,650 |
| Net loans and leases to total assets | 73.8100% | 1,360 |
| Net loans and leases to deposits | 82.9607% | 1,830 |
| Net loans and leases to core deposits | 88.8128% | 2,003 |
| Total domestic deposits to total assets | 88.9700% | 1,264 |
| Equity capital to assets | 7.4814% | 3,361 |
| Core capital (leverage) ratio | 8.6204% | 4,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3486% | 2,137 |
| Memoranda: |
| Average total assets | $176,280,500 | 3,166 |
| Average earning assets | $165,493,250 | 3,143 |
| Average equity | $13,174,500 | 3,403 |
| Average total loans | $126,895,250 | 2,885 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8159% | 1,962 |
| Cost of funding earning assets | 0.7736% | 3,288 |
| Net interest margin | 4.0423% | 1,169 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.8910% | 1,228 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3141% | 1,533 |
| Return on assets (ROA) | 1.3141% | 1,517 |
| Pretax return on assets | 1.4118% | 1,781 |
| Return on Equity (ROE) | 17.5900% | 1,002 |
| Retained earnings to average equity (ytd only) | 6.6899% | 2,381 |
| Net charge-offs to loans | 0.0474% | 1,035 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 41.9000% | 1,379 |
| Efficiency ratio | 67.1887% | 2,084 |
| Assets per employee ($millions) | 5.2415% | 3,368 |
| Cash dividends to net income (ytd only)* | 61.9658% | 928 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4046% | 1,517 |
| Loan loss allowance to noncurrent loans | 275.2266% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.3827% | 1,388 |
| Noncurrent loans to loans | 0.5103% | 1,437 |
| Net loans and leases to total assets | 73.9400% | 1,297 |
| Net loans and leases to deposits | 83.9115% | 1,675 |
| Net loans and leases to core deposits | 88.6075% | 1,885 |
| Total domestic deposits to total assets | 88.1200% | 1,561 |
| Equity capital to assets | 7.7360% | 3,379 |
| Core capital (leverage) ratio | 8.6794% | 4,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1021% | 2,257 |
| Memoranda: |
| Average total assets | $178,068,333 | 3,152 |
| Average earning assets | $167,530,000 | 3,127 |
| Average equity | $13,303,667 | 3,409 |
| Average total loans | $126,537,333 | 2,886 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5836% | 2,128 |
| Cost of funding earning assets | 0.5776% | 3,454 |
| Net interest margin | 4.0059% | 1,252 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.7528% | 1,546 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3221% | 1,617 |
| Return on assets (ROA) | 1.3221% | 1,583 |
| Pretax return on assets | 1.4218% | 1,830 |
| Return on Equity (ROE) | 18.0000% | 1,029 |
| Retained earnings to average equity (ytd only) | 18.0023% | 510 |
| Net charge-offs to loans | 0.0032% | 1,896 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 642.0000% | 179 |
| Efficiency ratio | 65.9416% | 2,212 |
| Assets per employee ($millions) | 5.1185% | 3,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4573% | 1,410 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 69.8700% | 1,639 |
| Net loans and leases to deposits | 76.6265% | 2,067 |
| Net loans and leases to core deposits | 79.8163% | 2,271 |
| Total domestic deposits to total assets | 91.1800% | 743 |
| Equity capital to assets | 7.6580% | 3,472 |
| Core capital (leverage) ratio | 8.4853% | 4,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4736% | 2,187 |
| Memoranda: |
| Average total assets | $180,617,500 | 3,171 |
| Average earning assets | $170,347,000 | 3,141 |
| Average equity | $13,265,000 | 3,451 |
| Average total loans | $124,946,500 | 2,935 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0342% | 1,628 |
| Cost of funding earning assets | 0.1923% | 3,822 |
| Net interest margin | 3.8419% | 1,079 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.8153% | 1,286 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1859% | 1,827 |
| Return on assets (ROA) | 1.1859% | 1,763 |
| Pretax return on assets | 1.3160% | 2,032 |
| Return on Equity (ROE) | 15.5800% | 1,129 |
| Retained earnings to average equity (ytd only) | 3.6914% | 3,498 |
| Net charge-offs to loans | 0.0101% | 1,989 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 193.9167% | 656 |
| Efficiency ratio | 68.1451% | 1,946 |
| Assets per employee ($millions) | 5.3556% | 3,364 |
| Cash dividends to net income (ytd only)* | 76.2995% | 518 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5072% | 1,177 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 66.4700% | 1,984 |
| Net loans and leases to deposits | 72.3675% | 2,379 |
| Net loans and leases to core deposits | 74.0284% | 2,560 |
| Total domestic deposits to total assets | 91.8400% | 679 |
| Equity capital to assets | 7.0356% | 3,645 |
| Core capital (leverage) ratio | 8.2542% | 4,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3318% | 2,225 |
| Memoranda: |
| Average total assets | $176,821,800 | 3,218 |
| Average earning assets | $167,442,200 | 3,182 |
| Average equity | $13,463,600 | 3,526 |
| Average total loans | $118,668,000 | 2,933 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9233% | 1,427 |
| Cost of funding earning assets | 0.1531% | 3,819 |
| Net interest margin | 3.7702% | 998 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.7820% | 1,280 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1768% | 1,788 |
| Return on assets (ROA) | 1.1768% | 1,761 |
| Pretax return on assets | 1.3082% | 2,020 |
| Return on Equity (ROE) | 15.1600% | 1,138 |
| Retained earnings to average equity (ytd only) | 3.9040% | 3,475 |
| Net charge-offs to loans | 0.0011% | 2,281 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1,722.0000% | 77 |
| Efficiency ratio | 68.0163% | 2,024 |
| Assets per employee ($millions) | 4.9109% | 3,755 |
| Cash dividends to net income (ytd only)* | 74.2414% | 521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5410% | 1,185 |
| Loan loss allowance to noncurrent loans | 878.7736% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 2,764 |
| Noncurrent loans to loans | 0.1754% | 2,713 |
| Net loans and leases to total assets | 67.3300% | 1,748 |
| Net loans and leases to deposits | 72.8723% | 2,137 |
| Net loans and leases to core deposits | 73.6400% | 2,375 |
| Total domestic deposits to total assets | 92.3900% | 748 |
| Equity capital to assets | 6.9347% | 3,551 |
| Core capital (leverage) ratio | 8.0377% | 4,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5055% | 2,262 |
| Memoranda: |
| Average total assets | $175,505,000 | 3,252 |
| Average earning assets | $166,317,750 | 3,212 |
| Average equity | $13,626,750 | 3,551 |
| Average total loans | $117,615,500 | 2,949 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8104% | 1,289 |
| Cost of funding earning assets | 0.0988% | 4,201 |
| Net interest margin | 3.7116% | 894 |
| Noninterest income to average assets | 0.5495% | 1,954 |
| Noninterest expense to average assets | 2.7257% | 1,324 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2178% | 1,372 |
| Return on assets (ROA) | 1.2178% | 1,359 |
| Pretax return on assets | 1.3423% | 1,608 |
| Return on Equity (ROE) | 15.1395% | 867 |
| Retained earnings to average equity (ytd only) | 5.1980% | 2,636 |
| Net charge-offs to loans | 0.0017% | 2,057 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1,175.0000% | 104 |
| Efficiency ratio | 67.0037% | 2,385 |
| Assets per employee ($millions) | 5.0110% | 3,669 |
| Cash dividends to net income (ytd only)* | 65.6660% | 918 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5371% | 1,310 |
| Loan loss allowance to noncurrent loans | 186,300.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 4,079 |
| Noncurrent loans to loans | 0.0008% | 4,010 |
| Net loans and leases to total assets | 68.0467% | 1,473 |
| Net loans and leases to deposits | 74.5377% | 1,800 |
| Net loans and leases to core deposits | 75.0401% | 2,088 |
| Total domestic deposits to total assets | 91.2917% | 1,109 |
| Equity capital to assets | 7.5366% | 3,448 |
| Core capital (leverage) ratio | 7.9842% | 4,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6081% | 2,246 |
| Memoranda: |
| Average total assets | $175,076,000 | 3,287 |
| Average earning assets | $165,968,000 | 3,258 |
| Average equity | $14,082,333 | 3,577 |
| Average total loans | $116,522,667 | 2,979 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6531% | 1,379 |
| Cost of funding earning assets | 0.0940% | 4,212 |
| Net interest margin | 3.5590% | 964 |
| Noninterest income to average assets | 0.5145% | 2,073 |
| Noninterest expense to average assets | 2.7029% | 1,357 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0748% | 1,605 |
| Return on assets (ROA) | 1.0748% | 1,600 |
| Pretax return on assets | 1.1868% | 1,848 |
| Return on Equity (ROE) | 12.9526% | 1,043 |
| Retained earnings to average equity (ytd only) | 12.9526% | 473 |
| Net charge-offs to loans | 0.0035% | 1,650 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 519.0000% | 201 |
| Efficiency ratio | 69.4885% | 2,302 |
| Assets per employee ($millions) | 4.9386% | 3,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5954% | 1,284 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 64.6343% | 1,542 |
| Net loans and leases to deposits | 71.1327% | 1,852 |
| Net loans and leases to core deposits | 71.6079% | 2,145 |
| Total domestic deposits to total assets | 90.8644% | 1,104 |
| Equity capital to assets | 7.9162% | 3,630 |
| Core capital (leverage) ratio | 8.1589% | 4,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0421% | 2,184 |
| Memoranda: |
| Average total assets | $174,922,000 | 3,307 |
| Average earning assets | $165,888,000 | 3,268 |
| Average equity | $14,514,500 | 3,605 |
| Average total loans | $114,181,000 | 3,011 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0051% | 1,351 |
| Cost of funding earning assets | 0.2162% | 3,302 |
| Net interest margin | 3.7888% | 1,036 |
| Noninterest income to average assets | 0.8819% | 1,251 |
| Noninterest expense to average assets | 2.9301% | 1,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3896% | 1,313 |
| Return on assets (ROA) | 1.3896% | 1,368 |
| Pretax return on assets | 1.5365% | 1,607 |
| Return on Equity (ROE) | 15.7503% | 795 |
| Retained earnings to average equity (ytd only) | 4.5190% | 2,994 |
| Net charge-offs to loans | -0.1296% | 4,639 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6009% | 2,319 |
| Assets per employee ($millions) | 4.6502% | 4,002 |
| Cash dividends to net income (ytd only)* | 71.3087% | 698 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6704% | 1,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 63.7717% | 1,733 |
| Net loans and leases to deposits | 70.7470% | 2,047 |
| Net loans and leases to core deposits | 71.2394% | 2,328 |
| Total domestic deposits to total assets | 90.1404% | 895 |
| Equity capital to assets | 8.6919% | 3,894 |
| Core capital (leverage) ratio | 7.7280% | 4,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0432% | 2,228 |
| Memoranda: |
| Average total assets | $171,561,400 | 3,286 |
| Average earning assets | $162,318,600 | 3,252 |
| Average equity | $15,136,200 | 3,619 |
| Average total loans | $107,983,400 | 3,103 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1079% | 1,293 |
| Cost of funding earning assets | 0.2384% | 3,229 |
| Net interest margin | 3.8694% | 992 |
| Noninterest income to average assets | 0.9029% | 1,250 |
| Noninterest expense to average assets | 2.7959% | 1,349 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7654% | 725 |
| Return on assets (ROA) | 1.7654% | 756 |
| Pretax return on assets | 1.7670% | 1,243 |
| Return on Equity (ROE) | 19.9360% | 429 |
| Retained earnings to average equity (ytd only) | 11.1361% | 1,028 |
| Net charge-offs to loans | -0.1681% | 4,744 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2749% | 2,792 |
| Assets per employee ($millions) | 5.3636% | 3,336 |
| Cash dividends to net income (ytd only)* | 44.1410% | 1,440 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7326% | 1,045 |
| Loan loss allowance to noncurrent loans | 636.6438% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.1601% | 3,052 |
| Noncurrent loans to loans | 0.2721% | 2,827 |
| Net loans and leases to total assets | 57.8171% | 2,517 |
| Net loans and leases to deposits | 63.9450% | 2,858 |
| Net loans and leases to core deposits | 64.3635% | 3,101 |
| Total domestic deposits to total assets | 90.4169% | 596 |
| Equity capital to assets | 8.5911% | 4,137 |
| Core capital (leverage) ratio | 7.8059% | 4,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0491% | 1,953 |
| Memoranda: |
| Average total assets | $171,437,750 | 3,318 |
| Average earning assets | $162,155,750 | 3,283 |
| Average equity | $15,181,500 | 3,665 |
| Average total loans | $107,082,500 | 3,154 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9119% | 1,782 |
| Cost of funding earning assets | 0.1943% | 3,812 |
| Net interest margin | 3.7175% | 1,305 |
| Noninterest income to average assets | 0.9154% | 1,230 |
| Noninterest expense to average assets | 2.8594% | 1,233 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5650% | 1,133 |
| Return on assets (ROA) | 1.5650% | 1,193 |
| Pretax return on assets | 1.5674% | 1,832 |
| Return on Equity (ROE) | 17.4837% | 723 |
| Retained earnings to average equity (ytd only) | 11.4650% | 1,023 |
| Net charge-offs to loans | 0.0037% | 2,026 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 657.5000% | 212 |
| Efficiency ratio | 64.5934% | 2,351 |
| Assets per employee ($millions) | 4.8180% | 3,820 |
| Cash dividends to net income (ytd only)* | 34.4250% | 1,841 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5977% | 1,275 |
| Loan loss allowance to noncurrent loans | 1,851.6129% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 3,894 |
| Noncurrent loans to loans | 0.0863% | 3,754 |
| Net loans and leases to total assets | 59.4948% | 2,481 |
| Net loans and leases to deposits | 66.4847% | 2,780 |
| Net loans and leases to core deposits | 67.1663% | 3,021 |
| Total domestic deposits to total assets | 89.4865% | 1,038 |
| Equity capital to assets | 8.5726% | 4,147 |
| Core capital (leverage) ratio | 8.2155% | 4,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $167,796,000 | 3,361 |
| Average earning assets | $158,491,667 | 3,325 |
| Average equity | $15,019,667 | 3,678 |
| Average total loans | $107,011,333 | 3,167 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0330% | 1,539 |
| Cost of funding earning assets | 0.2219% | 3,711 |
| Net interest margin | 3.8112% | 1,112 |
| Noninterest income to average assets | 1.0335% | 1,079 |
| Noninterest expense to average assets | 2.8076% | 1,353 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8135% | 767 |
| Return on assets (ROA) | 1.8135% | 818 |
| Pretax return on assets | 1.8184% | 1,258 |
| Return on Equity (ROE) | 19.8005% | 547 |
| Retained earnings to average equity (ytd only) | 19.8005% | 277 |
| Net charge-offs to loans | 0.0075% | 1,630 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 369.5000% | 250 |
| Efficiency ratio | 60.6915% | 2,951 |
| Assets per employee ($millions) | 4.5829% | 4,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6214% | 1,235 |
| Loan loss allowance to noncurrent loans | 1,722.0000% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 3,945 |
| Noncurrent loans to loans | 0.0942% | 3,835 |
| Net loans and leases to total assets | 63.3290% | 2,124 |
| Net loans and leases to deposits | 71.7935% | 2,334 |
| Net loans and leases to core deposits | 72.2248% | 2,682 |
| Total domestic deposits to total assets | 88.2099% | 1,738 |
| Equity capital to assets | 9.2117% | 3,486 |
| Core capital (leverage) ratio | 8.6107% | 4,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $162,561,000 | 3,404 |
| Average earning assets | $153,234,000 | 3,380 |
| Average equity | $14,888,500 | 3,699 |
| Average total loans | $106,626,500 | 3,176 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7404% | 829 |
| Cost of funding earning assets | 0.4151% | 3,495 |
| Net interest margin | 4.3254% | 482 |
| Noninterest income to average assets | 1.1709% | 799 |
| Noninterest expense to average assets | 3.3268% | 873 |
| Loan and lease loss provision to assets | 0.1679% | 2,286 |
| Net operating income to assets | 1.7121% | 484 |
| Return on assets (ROA) | 1.7121% | 525 |
| Pretax return on assets | 1.7134% | 837 |
| Return on Equity (ROE) | 17.8734% | 342 |
| Retained earnings to average equity (ytd only) | 4.0163% | 2,810 |
| Net charge-offs to loans | 0.0018% | 3,342 |
| Credit loss provision to net charge-offs | 12,500.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 1,401.0000% | 78 |
| Efficiency ratio | 63.8778% | 2,845 |
| Assets per employee ($millions) | 4.4482% | 3,971 |
| Cash dividends to net income (ytd only)* | 77.5294% | 717 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6105% | 1,266 |
| Loan loss allowance to noncurrent loans | 1,499.1304% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 3,980 |
| Noncurrent loans to loans | 0.1074% | 3,864 |
| Net loans and leases to total assets | 65.7710% | 2,127 |
| Net loans and leases to deposits | 74.7762% | 2,401 |
| Net loans and leases to core deposits | 75.5356% | 2,769 |
| Total domestic deposits to total assets | 87.9571% | 1,493 |
| Equity capital to assets | 9.1041% | 3,970 |
| Core capital (leverage) ratio | 8.3783% | 4,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $148,939,800 | 3,415 |
| Average earning assets | $139,017,200 | 3,390 |
| Average equity | $14,267,000 | 3,721 |
| Average total loans | $110,005,400 | 3,099 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7139% | 1,031 |
| Cost of funding earning assets | 0.4693% | 3,425 |
| Net interest margin | 4.2445% | 664 |
| Noninterest income to average assets | 1.0656% | 920 |
| Noninterest expense to average assets | 3.1759% | 1,109 |
| Loan and lease loss provision to assets | 0.2279% | 1,781 |
| Net operating income to assets | 1.6121% | 702 |
| Return on assets (ROA) | 1.6121% | 775 |
| Pretax return on assets | 1.6139% | 1,152 |
| Return on Equity (ROE) | 16.6040% | 481 |
| Retained earnings to average equity (ytd only) | 3.6647% | 3,219 |
| Net charge-offs to loans | 0.0012% | 3,184 |
| Credit loss provision to net charge-offs | 25,000.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 2,019.0000% | 53 |
| Efficiency ratio | 63.2909% | 2,865 |
| Assets per employee ($millions) | 4.4193% | 3,934 |
| Cash dividends to net income (ytd only)* | 77.9287% | 637 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4974% | 1,385 |
| Loan loss allowance to noncurrent loans | 1,436.6667% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0776% | 4,045 |
| Noncurrent loans to loans | 0.1042% | 3,949 |
| Net loans and leases to total assets | 73.3226% | 1,452 |
| Net loans and leases to deposits | 83.5729% | 1,952 |
| Net loans and leases to core deposits | 85.0878% | 2,375 |
| Total domestic deposits to total assets | 87.7348% | 1,326 |
| Equity capital to assets | 9.3151% | 3,849 |
| Core capital (leverage) ratio | 8.5899% | 4,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5542% | 2,773 |
| Memoranda: |
| Average total assets | $146,140,750 | 3,432 |
| Average earning assets | $136,077,250 | 3,411 |
| Average equity | $14,189,000 | 3,735 |
| Average total loans | $110,745,000 | 3,100 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8069% | 1,158 |
| Cost of funding earning assets | 0.5319% | 3,332 |
| Net interest margin | 4.2749% | 794 |
| Noninterest income to average assets | 0.9714% | 1,032 |
| Noninterest expense to average assets | 3.1962% | 1,168 |
| Loan and lease loss provision to assets | 0.3489% | 1,212 |
| Net operating income to assets | 1.3943% | 1,127 |
| Return on assets (ROA) | 1.3943% | 1,217 |
| Pretax return on assets | 1.3971% | 1,733 |
| Return on Equity (ROE) | 14.1542% | 854 |
| Retained earnings to average equity (ytd only) | 1.7569% | 3,851 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6710% | 2,722 |
| Assets per employee ($millions) | 4.2767% | 4,029 |
| Cash dividends to net income (ytd only)* | 87.5876% | 630 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5120% | 1,228 |
| Loan loss allowance to noncurrent loans | 867.3367% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 3,858 |
| Noncurrent loans to loans | 0.1743% | 3,751 |
| Net loans and leases to total assets | 75.1086% | 1,259 |
| Net loans and leases to deposits | 85.6450% | 1,808 |
| Net loans and leases to core deposits | 87.6726% | 2,283 |
| Total domestic deposits to total assets | 87.6976% | 1,330 |
| Equity capital to assets | 9.4224% | 3,725 |
| Core capital (leverage) ratio | 8.5804% | 4,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $143,296,333 | 3,447 |
| Average earning assets | $133,101,333 | 3,433 |
| Average equity | $14,116,000 | 3,750 |
| Average total loans | $109,281,667 | 3,112 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8996% | 1,192 |
| Cost of funding earning assets | 0.6194% | 3,335 |
| Net interest margin | 4.2803% | 790 |
| Noninterest income to average assets | 0.5739% | 2,157 |
| Noninterest expense to average assets | 3.0064% | 1,876 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5275% | 730 |
| Return on assets (ROA) | 1.5275% | 799 |
| Pretax return on assets | 1.5332% | 1,225 |
| Return on Equity (ROE) | 15.1537% | 530 |
| Retained earnings to average equity (ytd only) | 15.1537% | 184 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2264% | 2,925 |
| Assets per employee ($millions) | 3.9467% | 4,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3909% | 1,734 |
| Loan loss allowance to noncurrent loans | 1,892.3077% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 4,308 |
| Noncurrent loans to loans | 0.0735% | 4,228 |
| Net loans and leases to total assets | 75.7569% | 1,343 |
| Net loans and leases to deposits | 87.6065% | 1,794 |
| Net loans and leases to core deposits | 90.1235% | 2,331 |
| Total domestic deposits to total assets | 86.4740% | 1,796 |
| Equity capital to assets | 10.4399% | 3,374 |
| Core capital (leverage) ratio | 9.6976% | 3,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $140,101,500 | 3,455 |
| Average earning assets | $129,805,500 | 3,447 |
| Average equity | $14,122,000 | 3,758 |
| Average total loans | $106,846,000 | 3,125 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2728% | 868 |
| Cost of funding earning assets | 0.6738% | 3,292 |
| Net interest margin | 4.5989% | 574 |
| Noninterest income to average assets | 0.7068% | 1,791 |
| Noninterest expense to average assets | 3.2305% | 1,445 |
| Loan and lease loss provision to assets | 0.0364% | 3,281 |
| Net operating income to assets | 1.6116% | 815 |
| Return on assets (ROA) | 1.6116% | 874 |
| Pretax return on assets | 1.6131% | 1,449 |
| Return on Equity (ROE) | 16.2422% | 511 |
| Retained earnings to average equity (ytd only) | 3.2059% | 3,416 |
| Net charge-offs to loans | 0.0064% | 3,449 |
| Credit loss provision to net charge-offs | 714.2857% | 447 |
| Earnings coverage of net charge-offs (x) | 323.7143% | 268 |
| Efficiency ratio | 66.1993% | 2,741 |
| Assets per employee ($millions) | 4.1785% | 3,658 |
| Cash dividends to net income (ytd only)* | 80.2620% | 784 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3721% | 1,616 |
| Loan loss allowance to noncurrent loans | 285.4932% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.3639% | 2,948 |
| Noncurrent loans to loans | 0.4806% | 2,747 |
| Net loans and leases to total assets | 74.6778% | 1,631 |
| Net loans and leases to deposits | 85.6059% | 2,143 |
| Net loans and leases to core deposits | 91.2959% | 2,296 |
| Total domestic deposits to total assets | 87.2344% | 1,497 |
| Equity capital to assets | 9.7298% | 4,170 |
| Core capital (leverage) ratio | 9.0335% | 4,509 |
| Tier 1 risk-based capital ratio | 11.8612% | 4,441 |
| Total risk-based capital ratio | 13.1129% | 4,312 |
| Memoranda: |
| Average total assets | $137,377,800 | 3,470 |
| Average earning assets | $124,659,200 | 3,499 |
| Average equity | $13,631,200 | 3,801 |
| Average total loans | $109,702,000 | 3,095 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3342% | 806 |
| Cost of funding earning assets | 0.6577% | 3,412 |
| Net interest margin | 4.6765% | 518 |
| Noninterest income to average assets | 0.6324% | 2,061 |
| Noninterest expense to average assets | 3.1520% | 1,575 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6964% | 751 |
| Return on assets (ROA) | 1.6964% | 791 |
| Pretax return on assets | 1.6984% | 1,338 |
| Return on Equity (ROE) | 17.0107% | 479 |
| Retained earnings to average equity (ytd only) | 4.4760% | 3,157 |
| Net charge-offs to loans | 0.0085% | 3,064 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 247.9400% | 376 |
| Efficiency ratio | 64.9849% | 2,864 |
| Assets per employee ($millions) | 3.9991% | 3,905 |
| Cash dividends to net income (ytd only)* | 73.6870% | 837 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2904% | 2,010 |
| Loan loss allowance to noncurrent loans | 245.0172% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.4158% | 2,849 |
| Noncurrent loans to loans | 0.5267% | 2,708 |
| Net loans and leases to total assets | 77.9327% | 1,152 |
| Net loans and leases to deposits | 89.5493% | 1,753 |
| Net loans and leases to core deposits | 97.0584% | 1,897 |
| Total domestic deposits to total assets | 87.0277% | 1,497 |
| Equity capital to assets | 9.8895% | 4,125 |
| Core capital (leverage) ratio | 9.4539% | 4,213 |
| Tier 1 risk-based capital ratio | 11.2249% | 4,809 |
| Total risk-based capital ratio | 12.4745% | 4,697 |
| Memoranda: |
| Average total assets | $136,205,000 | 3,524 |
| Average earning assets | $122,852,750 | 3,562 |
| Average equity | $13,583,250 | 3,846 |
| Average total loans | $110,235,000 | 3,120 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3119% | 798 |
| Cost of funding earning assets | 0.6201% | 3,551 |
| Net interest margin | 4.6918% | 496 |
| Noninterest income to average assets | 0.5661% | 2,306 |
| Noninterest expense to average assets | 3.2590% | 1,363 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5428% | 1,025 |
| Return on assets (ROA) | 1.5428% | 1,077 |
| Pretax return on assets | 1.5457% | 1,715 |
| Return on Equity (ROE) | 15.4257% | 682 |
| Retained earnings to average equity (ytd only) | 3.1711% | 3,638 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8285% | 2,565 |
| Assets per employee ($millions) | 3.5246% | 4,472 |
| Cash dividends to net income (ytd only)* | 79.4428% | 842 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2960% | 2,034 |
| Loan loss allowance to noncurrent loans | 296.0744% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.3614% | 3,089 |
| Noncurrent loans to loans | 0.4377% | 2,963 |
| Net loans and leases to total assets | 81.4873% | 675 |
| Net loans and leases to deposits | 93.9687% | 1,264 |
| Net loans and leases to core deposits | 100.8436% | 1,644 |
| Total domestic deposits to total assets | 86.7174% | 1,720 |
| Equity capital to assets | 10.1370% | 3,848 |
| Core capital (leverage) ratio | 9.0870% | 4,566 |
| Tier 1 risk-based capital ratio | 11.2005% | 4,832 |
| Total risk-based capital ratio | 12.4511% | 4,725 |
| Memoranda: |
| Average total assets | $134,951,000 | 3,557 |
| Average earning assets | $121,914,330 | 3,599 |
| Average equity | $13,497,000 | 3,863 |
| Average total loans | $110,144,670 | 3,135 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1639% | 973 |
| Cost of funding earning assets | 0.5931% | 3,611 |
| Net interest margin | 4.5708% | 651 |
| Noninterest income to average assets | 0.4518% | 2,844 |
| Noninterest expense to average assets | 3.1006% | 1,735 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4646% | 1,198 |
| Return on assets (ROA) | 1.4646% | 1,226 |
| Pretax return on assets | 1.4706% | 1,864 |
| Return on Equity (ROE) | 14.7433% | 803 |
| Retained earnings to average equity (ytd only) | 14.7433% | 294 |
| Net charge-offs to loans | 0.0036% | 2,598 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 498.0000% | 155 |
| Efficiency ratio | 67.8295% | 2,662 |
| Assets per employee ($millions) | 3.6559% | 4,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3065% | 2,062 |
| Loan loss allowance to noncurrent loans | 290.4665% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.3645% | 3,144 |
| Noncurrent loans to loans | 0.4498% | 2,971 |
| Net loans and leases to total assets | 79.9687% | 839 |
| Net loans and leases to deposits | 92.5813% | 1,330 |
| Net loans and leases to core deposits | 99.3114% | 1,680 |
| Total domestic deposits to total assets | 86.3767% | 2,118 |
| Equity capital to assets | 10.1768% | 3,644 |
| Core capital (leverage) ratio | 9.4495% | 4,197 |
| Tier 1 risk-based capital ratio | 11.6256% | 4,676 |
| Total risk-based capital ratio | 12.8755% | 4,553 |
| Memoranda: |
| Average total assets | $135,459,000 | 3,590 |
| Average earning assets | $122,078,000 | 3,630 |
| Average equity | $13,457,000 | 3,881 |
| Average total loans | $109,930,500 | 3,173 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0687% | 908 |
| Cost of funding earning assets | 0.3511% | 4,278 |
| Net interest margin | 4.7176% | 467 |
| Noninterest income to average assets | 0.5223% | 2,703 |
| Noninterest expense to average assets | 3.1673% | 1,635 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6088% | 852 |
| Return on assets (ROA) | 1.6065% | 845 |
| Pretax return on assets | 1.6080% | 1,444 |
| Return on Equity (ROE) | 16.3655% | 558 |
| Retained earnings to average equity (ytd only) | 2.5913% | 4,104 |
| Net charge-offs to loans | -0.1073% | 5,167 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2950% | 2,830 |
| Assets per employee ($millions) | 3.5697% | 4,478 |
| Cash dividends to net income (ytd only)* | 84.1663% | 579 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2997% | 2,040 |
| Loan loss allowance to noncurrent loans | 238.0399% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.4438% | 2,795 |
| Noncurrent loans to loans | 0.5460% | 2,639 |
| Net loans and leases to total assets | 80.2241% | 904 |
| Net loans and leases to deposits | 92.2198% | 1,516 |
| Net loans and leases to core deposits | 97.4375% | 1,917 |
| Total domestic deposits to total assets | 86.9923% | 1,791 |
| Equity capital to assets | 9.6926% | 3,959 |
| Core capital (leverage) ratio | 8.9244% | 4,722 |
| Tier 1 risk-based capital ratio | 11.0708% | 4,942 |
| Total risk-based capital ratio | 12.3214% | 4,835 |
| Memoranda: |
| Average total assets | $133,267,800 | 3,604 |
| Average earning assets | $120,208,200 | 3,639 |
| Average equity | $13,082,400 | 3,871 |
| Average total loans | $106,273,400 | 3,200 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9790% | 977 |
| Cost of funding earning assets | 0.3007% | 4,509 |
| Net interest margin | 4.6783% | 493 |
| Noninterest income to average assets | 0.5075% | 2,821 |
| Noninterest expense to average assets | 3.0511% | 1,875 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6763% | 792 |
| Return on assets (ROA) | 1.6733% | 798 |
| Pretax return on assets | 1.6753% | 1,334 |
| Return on Equity (ROE) | 16.9902% | 541 |
| Retained earnings to average equity (ytd only) | 3.1939% | 4,145 |
| Net charge-offs to loans | -0.1418% | 5,235 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5134% | 3,099 |
| Assets per employee ($millions) | 3.4196% | 4,662 |
| Cash dividends to net income (ytd only)* | 81.2013% | 548 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3230% | 1,988 |
| Loan loss allowance to noncurrent loans | 234.2062% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.4702% | 2,803 |
| Noncurrent loans to loans | 0.5649% | 2,687 |
| Net loans and leases to total assets | 82.1391% | 690 |
| Net loans and leases to deposits | 94.1009% | 1,369 |
| Net loans and leases to core deposits | 98.7309% | 1,885 |
| Total domestic deposits to total assets | 87.2883% | 1,603 |
| Equity capital to assets | 10.0313% | 3,608 |
| Core capital (leverage) ratio | 9.1827% | 4,533 |
| Tier 1 risk-based capital ratio | 11.3524% | 4,870 |
| Total risk-based capital ratio | 12.6029% | 4,759 |
| Memoranda: |
| Average total assets | $132,672,250 | 3,646 |
| Average earning assets | $119,727,000 | 3,685 |
| Average equity | $13,066,000 | 3,908 |
| Average total loans | $105,277,500 | 3,238 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7772% | 1,312 |
| Cost of funding earning assets | 0.2650% | 4,668 |
| Net interest margin | 4.5122% | 684 |
| Noninterest income to average assets | 0.5300% | 2,689 |
| Noninterest expense to average assets | 3.0079% | 2,022 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5721% | 984 |
| Return on assets (ROA) | 1.5676% | 1,003 |
| Pretax return on assets | 1.5706% | 1,598 |
| Return on Equity (ROE) | 16.0137% | 671 |
| Retained earnings to average equity (ytd only) | 4.5120% | 3,335 |
| Net charge-offs to loans | -0.2128% | 5,333 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6321% | 3,038 |
| Assets per employee ($millions) | 3.8245% | 4,174 |
| Cash dividends to net income (ytd only)* | 71.8243% | 941 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3495% | 1,947 |
| Loan loss allowance to noncurrent loans | 274.4722% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.4124% | 3,077 |
| Noncurrent loans to loans | 0.4917% | 2,957 |
| Net loans and leases to total assets | 78.0911% | 1,295 |
| Net loans and leases to deposits | 89.5380% | 1,906 |
| Net loans and leases to core deposits | 93.8113% | 2,235 |
| Total domestic deposits to total assets | 87.2157% | 1,752 |
| Equity capital to assets | 9.7565% | 3,865 |
| Core capital (leverage) ratio | 9.0156% | 4,676 |
| Tier 1 risk-based capital ratio | 11.4435% | 4,810 |
| Total risk-based capital ratio | 12.6946% | 4,715 |
| Memoranda: |
| Average total assets | $133,582,000 | 3,650 |
| Average earning assets | $119,986,000 | 3,713 |
| Average equity | $13,076,330 | 3,922 |
| Average total loans | $104,315,000 | 3,259 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6343% | 1,479 |
| Cost of funding earning assets | 0.2604% | 4,644 |
| Net interest margin | 4.3739% | 809 |
| Noninterest income to average assets | 0.5156% | 2,718 |
| Noninterest expense to average assets | 2.9286% | 2,261 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5078% | 1,063 |
| Return on assets (ROA) | 1.5078% | 1,061 |
| Pretax return on assets | 1.5137% | 1,652 |
| Return on Equity (ROE) | 15.3770% | 735 |
| Retained earnings to average equity (ytd only) | 15.3770% | 298 |
| Net charge-offs to loans | 0.0077% | 2,460 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 252.5000% | 267 |
| Efficiency ratio | 65.9244% | 3,170 |
| Assets per employee ($millions) | 4.0106% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2717% | 2,391 |
| Loan loss allowance to noncurrent loans | 164.4195% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.6052% | 2,496 |
| Noncurrent loans to loans | 0.7734% | 2,272 |
| Net loans and leases to total assets | 77.2563% | 1,350 |
| Net loans and leases to deposits | 88.8325% | 1,828 |
| Net loans and leases to core deposits | 93.1365% | 2,197 |
| Total domestic deposits to total assets | 86.9685% | 2,136 |
| Equity capital to assets | 10.0348% | 3,559 |
| Core capital (leverage) ratio | 9.3116% | 4,309 |
| Tier 1 risk-based capital ratio | 11.9390% | 4,581 |
| Total risk-based capital ratio | 13.1885% | 4,483 |
| Memoranda: |
| Average total assets | $133,443,500 | 3,686 |
| Average earning assets | $119,802,000 | 3,752 |
| Average equity | $13,084,500 | 3,953 |
| Average total loans | $103,491,500 | 3,296 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7556% | 1,065 |
| Cost of funding earning assets | 0.2551% | 4,521 |
| Net interest margin | 4.5005% | 608 |
| Noninterest income to average assets | 0.5850% | 2,523 |
| Noninterest expense to average assets | 3.1011% | 1,857 |
| Loan and lease loss provision to assets | 0.0755% | 2,689 |
| Net operating income to assets | 1.4554% | 896 |
| Return on assets (ROA) | 1.4554% | 905 |
| Pretax return on assets | 1.4569% | 1,792 |
| Return on Equity (ROE) | 14.9088% | 621 |
| Retained earnings to average equity (ytd only) | 1.7631% | 4,261 |
| Net charge-offs to loans | 0.0744% | 2,384 |
| Credit loss provision to net charge-offs | 129.8701% | 2,022 |
| Earnings coverage of net charge-offs (x) | 26.3636% | 1,680 |
| Efficiency ratio | 66.9273% | 3,091 |
| Assets per employee ($millions) | 3.8439% | 4,214 |
| Cash dividends to net income (ytd only)* | 88.1743% | 572 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2754% | 2,342 |
| Loan loss allowance to noncurrent loans | 150.2278% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.6526% | 2,367 |
| Noncurrent loans to loans | 0.8490% | 2,094 |
| Net loans and leases to total assets | 75.8886% | 1,618 |
| Net loans and leases to deposits | 86.6899% | 2,173 |
| Net loans and leases to core deposits | 90.7894% | 2,483 |
| Total domestic deposits to total assets | 87.5403% | 1,742 |
| Equity capital to assets | 9.5794% | 4,159 |
| Core capital (leverage) ratio | 9.0359% | 4,605 |
| Tier 1 risk-based capital ratio | 11.4941% | 4,853 |
| Total risk-based capital ratio | 12.7444% | 4,746 |
| Memoranda: |
| Average total assets | $132,470,800 | 3,708 |
| Average earning assets | $119,164,000 | 3,759 |
| Average equity | $12,932,000 | 3,990 |
| Average total loans | $103,437,200 | 3,292 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7645% | 996 |
| Cost of funding earning assets | 0.2535% | 4,536 |
| Net interest margin | 4.5110% | 589 |
| Noninterest income to average assets | 0.5800% | 2,584 |
| Noninterest expense to average assets | 3.0889% | 1,834 |
| Loan and lease loss provision to assets | 0.0253% | 3,632 |
| Net operating income to assets | 1.5268% | 846 |
| Return on assets (ROA) | 1.5268% | 868 |
| Pretax return on assets | 1.5288% | 1,671 |
| Return on Equity (ROE) | 15.5653% | 580 |
| Retained earnings to average equity (ytd only) | 2.6886% | 4,288 |
| Net charge-offs to loans | -0.0026% | 4,347 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5288% | 3,116 |
| Assets per employee ($millions) | 3.5547% | 4,645 |
| Cash dividends to net income (ytd only)* | 82.7268% | 582 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2957% | 2,372 |
| Loan loss allowance to noncurrent loans | 138.3891% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.7471% | 2,262 |
| Noncurrent loans to loans | 0.9363% | 2,051 |
| Net loans and leases to total assets | 78.7544% | 1,155 |
| Net loans and leases to deposits | 90.8257% | 1,714 |
| Net loans and leases to core deposits | 94.5032% | 2,223 |
| Total domestic deposits to total assets | 86.7094% | 1,990 |
| Equity capital to assets | 10.1797% | 3,711 |
| Core capital (leverage) ratio | 8.9733% | 4,770 |
| Tier 1 risk-based capital ratio | 12.0506% | 4,571 |
| Total risk-based capital ratio | 13.3016% | 4,467 |
| Memoranda: |
| Average total assets | $131,954,000 | 3,757 |
| Average earning assets | $118,848,000 | 3,807 |
| Average equity | $12,943,000 | 4,030 |
| Average total loans | $103,442,000 | 3,322 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7196% | 1,020 |
| Cost of funding earning assets | 0.2453% | 4,584 |
| Net interest margin | 4.4743% | 601 |
| Noninterest income to average assets | 0.5132% | 2,943 |
| Noninterest expense to average assets | 3.1527% | 1,694 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3805% | 1,108 |
| Return on assets (ROA) | 1.3805% | 1,134 |
| Pretax return on assets | 1.3835% | 2,085 |
| Return on Equity (ROE) | 14.2470% | 780 |
| Retained earnings to average equity (ytd only) | 3.0197% | 3,919 |
| Net charge-offs to loans | -0.0096% | 4,515 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5005% | 2,766 |
| Assets per employee ($millions) | 3.7888% | 4,293 |
| Cash dividends to net income (ytd only)* | 78.8043% | 883 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2509% | 2,683 |
| Loan loss allowance to noncurrent loans | 148.0091% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.6848% | 2,500 |
| Noncurrent loans to loans | 0.8452% | 2,293 |
| Net loans and leases to total assets | 75.2989% | 1,643 |
| Net loans and leases to deposits | 86.2747% | 2,184 |
| Net loans and leases to core deposits | 89.2892% | 2,590 |
| Total domestic deposits to total assets | 87.2781% | 1,817 |
| Equity capital to assets | 9.5025% | 4,399 |
| Core capital (leverage) ratio | 8.7456% | 5,009 |
| Tier 1 risk-based capital ratio | 9.9072% | 5,651 |
| Total risk-based capital ratio | 11.0020% | 5,653 |
| Memoranda: |
| Average total assets | $133,282,000 | 3,762 |
| Average earning assets | $119,840,000 | 3,812 |
| Average equity | $12,915,000 | 4,050 |
| Average total loans | $103,887,670 | 3,322 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6414% | 1,043 |
| Cost of funding earning assets | 0.2429% | 4,596 |
| Net interest margin | 4.3986% | 642 |
| Noninterest income to average assets | 0.4859% | 3,067 |
| Noninterest expense to average assets | 3.0579% | 1,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3877% | 1,024 |
| Return on assets (ROA) | 1.3877% | 1,055 |
| Pretax return on assets | 1.3877% | 1,929 |
| Return on Equity (ROE) | 14.1793% | 769 |
| Retained earnings to average equity (ytd only) | 14.1793% | 284 |
| Net charge-offs to loans | -0.0193% | 4,728 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7842% | 3,081 |
| Assets per employee ($millions) | 3.5259% | 4,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2623% | 2,744 |
| Loan loss allowance to noncurrent loans | 140.9534% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.8876% | 2,089 |
| Noncurrent loans to loans | 0.8956% | 2,238 |
| Net loans and leases to total assets | 78.0046% | 1,135 |
| Net loans and leases to deposits | 90.0981% | 1,521 |
| Net loans and leases to core deposits | 93.7744% | 2,000 |
| Total domestic deposits to total assets | 86.5774% | 2,409 |
| Equity capital to assets | 10.0744% | 3,664 |
| Core capital (leverage) ratio | 9.3186% | 4,321 |
| Tier 1 risk-based capital ratio | 10.2517% | 5,634 |
| Total risk-based capital ratio | 11.3601% | 5,626 |
| Memoranda: |
| Average total assets | $131,725,500 | 3,818 |
| Average earning assets | $118,584,500 | 3,858 |
| Average equity | $12,892,000 | 4,074 |
| Average total loans | $103,829,000 | 3,344 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9251% | 697 |
| Cost of funding earning assets | 0.2068% | 4,950 |
| Net interest margin | 4.7183% | 412 |
| Noninterest income to average assets | 0.6158% | 2,574 |
| Noninterest expense to average assets | 3.2960% | 1,587 |
| Loan and lease loss provision to assets | 0.0591% | 3,205 |
| Net operating income to assets | 1.5045% | 821 |
| Return on assets (ROA) | 1.5076% | 840 |
| Pretax return on assets | 1.5092% | 1,559 |
| Return on Equity (ROE) | 14.9263% | 636 |
| Retained earnings to average equity (ytd only) | 1.2647% | 4,780 |
| Net charge-offs to loans | 0.1314% | 1,930 |
| Credit loss provision to net charge-offs | 55.9701% | 3,305 |
| Earnings coverage of net charge-offs (x) | 14.8134% | 2,262 |
| Efficiency ratio | 67.8021% | 3,277 |
| Assets per employee ($millions) | 3.4998% | 4,761 |
| Cash dividends to net income (ytd only)* | 91.5272% | 548 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2391% | 2,881 |
| Loan loss allowance to noncurrent loans | 143.3628% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.7098% | 2,601 |
| Noncurrent loans to loans | 0.8643% | 2,371 |
| Net loans and leases to total assets | 77.6716% | 1,253 |
| Net loans and leases to deposits | 88.9962% | 1,804 |
| Net loans and leases to core deposits | 92.5252% | 2,246 |
| Total domestic deposits to total assets | 87.2752% | 1,990 |
| Equity capital to assets | 9.5051% | 4,266 |
| Core capital (leverage) ratio | 8.9273% | 4,827 |
| Tier 1 risk-based capital ratio | 9.8567% | 5,773 |
| Total risk-based capital ratio | 10.9602% | 5,774 |
| Memoranda: |
| Average total assets | $126,822,200 | 3,883 |
| Average earning assets | $114,108,200 | 3,927 |
| Average equity | $12,809,600 | 4,121 |
| Average total loans | $102,011,200 | 3,353 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9610% | 643 |
| Cost of funding earning assets | 0.2060% | 5,005 |
| Net interest margin | 4.7550% | 392 |
| Noninterest income to average assets | 0.6524% | 2,408 |
| Noninterest expense to average assets | 3.2832% | 1,600 |
| Loan and lease loss provision to assets | 0.0266% | 3,714 |
| Net operating income to assets | 1.6145% | 712 |
| Return on assets (ROA) | 1.6187% | 746 |
| Pretax return on assets | 1.6209% | 1,327 |
| Return on Equity (ROE) | 15.7796% | 572 |
| Retained earnings to average equity (ytd only) | 2.2928% | 4,552 |
| Net charge-offs to loans | 0.0132% | 3,492 |
| Credit loss provision to net charge-offs | 250.0000% | 1,196 |
| Earnings coverage of net charge-offs (x) | 154.4351% | 454 |
| Efficiency ratio | 66.6451% | 3,477 |
| Assets per employee ($millions) | 3.3434% | 4,991 |
| Cash dividends to net income (ytd only)* | 85.4701% | 616 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3226% | 2,564 |
| Loan loss allowance to noncurrent loans | 212.4031% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.5537% | 3,246 |
| Noncurrent loans to loans | 0.6227% | 3,148 |
| Net loans and leases to total assets | 82.6233% | 552 |
| Net loans and leases to deposits | 96.0070% | 1,045 |
| Net loans and leases to core deposits | 100.1725% | 1,618 |
| Total domestic deposits to total assets | 86.0597% | 2,321 |
| Equity capital to assets | 10.4158% | 3,653 |
| Core capital (leverage) ratio | 9.2931% | 4,466 |
| Tier 1 risk-based capital ratio | 9.9805% | 5,793 |
| Total risk-based capital ratio | 11.1557% | 5,784 |
| Memoranda: |
| Average total assets | $125,279,750 | 3,925 |
| Average earning assets | $112,608,250 | 3,982 |
| Average equity | $12,851,750 | 4,145 |
| Average total loans | $101,365,750 | 3,370 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8391% | 816 |
| Cost of funding earning assets | 0.1987% | 5,162 |
| Net interest margin | 4.6404% | 471 |
| Noninterest income to average assets | 0.6216% | 2,503 |
| Noninterest expense to average assets | 3.2543% | 1,685 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5230% | 856 |
| Return on assets (ROA) | 1.5294% | 892 |
| Pretax return on assets | 1.5325% | 1,580 |
| Return on Equity (ROE) | 14.9836% | 669 |
| Retained earnings to average equity (ytd only) | 4.0808% | 3,305 |
| Net charge-offs to loans | 0.0199% | 3,098 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 603 |
| Efficiency ratio | 68.0745% | 3,331 |
| Assets per employee ($millions) | 3.3791% | 4,954 |
| Cash dividends to net income (ytd only)* | 72.7651% | 1,099 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3043% | 2,755 |
| Loan loss allowance to noncurrent loans | 218.3442% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.5109% | 3,508 |
| Noncurrent loans to loans | 0.5974% | 3,272 |
| Net loans and leases to total assets | 79.2581% | 1,025 |
| Net loans and leases to deposits | 91.9433% | 1,526 |
| Net loans and leases to core deposits | 95.7719% | 1,997 |
| Total domestic deposits to total assets | 86.2032% | 2,326 |
| Equity capital to assets | 10.0680% | 4,142 |
| Core capital (leverage) ratio | 9.1544% | 4,656 |
| Tier 1 risk-based capital ratio | 10.0742% | 5,832 |
| Total risk-based capital ratio | 11.2347% | 5,806 |
| Memoranda: |
| Average total assets | $125,804,330 | 3,946 |
| Average earning assets | $112,749,000 | 4,001 |
| Average equity | $12,840,670 | 4,171 |
| Average total loans | $100,627,670 | 3,397 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7670% | 911 |
| Cost of funding earning assets | 0.1898% | 5,289 |
| Net interest margin | 4.5772% | 524 |
| Noninterest income to average assets | 0.5976% | 2,549 |
| Noninterest expense to average assets | 3.3092% | 1,575 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3879% | 1,066 |
| Return on assets (ROA) | 1.4008% | 1,091 |
| Pretax return on assets | 1.4072% | 1,883 |
| Return on Equity (ROE) | 13.6282% | 904 |
| Retained earnings to average equity (ytd only) | 13.6282% | 345 |
| Net charge-offs to loans | 0.0040% | 2,984 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 434.0000% | 134 |
| Efficiency ratio | 70.3552% | 3,058 |
| Assets per employee ($millions) | 3.2088% | 5,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3445% | 2,686 |
| Loan loss allowance to noncurrent loans | 233.8515% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.5142% | 3,543 |
| Noncurrent loans to loans | 0.5750% | 3,470 |
| Net loans and leases to total assets | 81.4792% | 633 |
| Net loans and leases to deposits | 94.2072% | 1,128 |
| Net loans and leases to core deposits | 96.1557% | 1,780 |
| Total domestic deposits to total assets | 86.4893% | 2,451 |
| Equity capital to assets | 10.6977% | 3,260 |
| Core capital (leverage) ratio | 9.7633% | 3,828 |
| Tier 1 risk-based capital ratio | 10.4886% | 5,755 |
| Total risk-based capital ratio | 11.6870% | 5,695 |
| Memoranda: |
| Average total assets | $124,503,000 | 3,999 |
| Average earning assets | $111,683,500 | 4,054 |
| Average equity | $12,797,000 | 4,192 |
| Average total loans | $99,382,500 | 3,433 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0987% | 516 |
| Cost of funding earning assets | 0.2272% | 5,033 |
| Net interest margin | 4.8715% | 316 |
| Noninterest income to average assets | 0.6220% | 2,609 |
| Noninterest expense to average assets | 3.3081% | 1,702 |
| Loan and lease loss provision to assets | 0.0593% | 3,121 |
| Net operating income to assets | 1.5908% | 719 |
| Return on assets (ROA) | 1.5853% | 755 |
| Pretax return on assets | 1.5869% | 1,290 |
| Return on Equity (ROE) | 16.0416% | 551 |
| Retained earnings to average equity (ytd only) | 1.6473% | 4,787 |
| Net charge-offs to loans | 0.1331% | 2,032 |
| Credit loss provision to net charge-offs | 56.3910% | 3,305 |
| Earnings coverage of net charge-offs (x) | 15.7143% | 2,184 |
| Efficiency ratio | 66.6985% | 3,794 |
| Assets per employee ($millions) | 3.3440% | 5,075 |
| Cash dividends to net income (ytd only)* | 89.7308% | 620 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3818% | 2,510 |
| Loan loss allowance to noncurrent loans | 214.7385% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.4966% | 3,647 |
| Noncurrent loans to loans | 0.6435% | 3,252 |
| Net loans and leases to total assets | 76.1027% | 1,404 |
| Net loans and leases to deposits | 86.5758% | 2,052 |
| Net loans and leases to core deposits | 88.8173% | 2,522 |
| Total domestic deposits to total assets | 87.9030% | 1,684 |
| Equity capital to assets | 9.8762% | 4,104 |
| Core capital (leverage) ratio | 8.9999% | 4,882 |
| Tier 1 risk-based capital ratio | 10.4113% | 5,819 |
| Total risk-based capital ratio | 11.6473% | 5,743 |
| Memoranda: |
| Average total assets | $126,536,400 | 3,953 |
| Average earning assets | $112,676,000 | 4,020 |
| Average equity | $12,505,000 | 4,218 |
| Average total loans | $99,962,200 | 3,387 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0259% | 586 |
| Cost of funding earning assets | 0.2358% | 5,033 |
| Net interest margin | 4.7902% | 385 |
| Noninterest income to average assets | 0.6360% | 2,551 |
| Noninterest expense to average assets | 3.2182% | 1,920 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6803% | 653 |
| Return on assets (ROA) | 1.6803% | 677 |
| Pretax return on assets | 1.6824% | 1,155 |
| Return on Equity (ROE) | 17.0001% | 469 |
| Retained earnings to average equity (ytd only) | 2.5932% | 4,569 |
| Net charge-offs to loans | -0.0027% | 4,738 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6694% | 3,951 |
| Assets per employee ($millions) | 3.2457% | 5,227 |
| Cash dividends to net income (ytd only)* | 84.7459% | 635 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3786% | 2,705 |
| Loan loss allowance to noncurrent loans | 184.0052% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.6235% | 3,400 |
| Noncurrent loans to loans | 0.7492% | 3,085 |
| Net loans and leases to total assets | 82.0712% | 572 |
| Net loans and leases to deposits | 95.6415% | 1,043 |
| Net loans and leases to core deposits | 98.2586% | 1,675 |
| Total domestic deposits to total assets | 85.8113% | 2,632 |
| Equity capital to assets | 10.2199% | 3,907 |
| Core capital (leverage) ratio | 9.2071% | 4,717 |
| Tier 1 risk-based capital ratio | 9.8932% | 6,070 |
| Total risk-based capital ratio | 11.1158% | 6,041 |
| Memoranda: |
| Average total assets | $126,402,250 | 4,002 |
| Average earning assets | $112,533,500 | 4,072 |
| Average equity | $12,493,750 | 4,267 |
| Average total loans | $100,437,500 | 3,415 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9178% | 703 |
| Cost of funding earning assets | 0.2462% | 4,981 |
| Net interest margin | 4.6717% | 465 |
| Noninterest income to average assets | 0.6294% | 2,582 |
| Noninterest expense to average assets | 3.1454% | 2,134 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.6214% | 716 |
| Return on assets (ROA) | 1.6214% | 748 |
| Pretax return on assets | 1.6245% | 1,268 |
| Return on Equity (ROE) | 16.5855% | 540 |
| Retained earnings to average equity (ytd only) | 4.5438% | 3,137 |
| Net charge-offs to loans | -0.0060% | 4,786 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9427% | 4,020 |
| Assets per employee ($millions) | 3.2515% | 5,247 |
| Cash dividends to net income (ytd only)* | 72.6041% | 1,117 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4110% | 2,704 |
| Loan loss allowance to noncurrent loans | 161.2756% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.6924% | 3,327 |
| Noncurrent loans to loans | 0.8749% | 2,943 |
| Net loans and leases to total assets | 78.0241% | 1,064 |
| Net loans and leases to deposits | 89.1343% | 1,702 |
| Net loans and leases to core deposits | 91.4545% | 2,202 |
| Total domestic deposits to total assets | 87.5354% | 1,887 |
| Equity capital to assets | 9.9371% | 4,104 |
| Core capital (leverage) ratio | 9.0893% | 4,837 |
| Tier 1 risk-based capital ratio | 10.0083% | 6,086 |
| Total risk-based capital ratio | 11.2416% | 6,047 |
| Memoranda: |
| Average total assets | $127,423,670 | 4,009 |
| Average earning assets | $112,935,670 | 4,095 |
| Average equity | $12,456,670 | 4,293 |
| Average total loans | $99,703,330 | 3,445 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8187% | 829 |
| Cost of funding earning assets | 0.2695% | 4,794 |
| Net interest margin | 4.5492% | 554 |
| Noninterest income to average assets | 0.6013% | 2,644 |
| Noninterest expense to average assets | 2.9906% | 2,618 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6221% | 691 |
| Return on assets (ROA) | 1.6221% | 722 |
| Pretax return on assets | 1.6284% | 1,194 |
| Return on Equity (ROE) | 16.7306% | 492 |
| Retained earnings to average equity (ytd only) | 2.1963% | 4,586 |
| Net charge-offs to loans | -0.0081% | 4,635 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7458% | 4,357 |
| Assets per employee ($millions) | 3.2844% | 5,265 |
| Cash dividends to net income (ytd only)* | 86.8726% | 870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4320% | 2,775 |
| Loan loss allowance to noncurrent loans | 526.0223% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.2155% | 5,084 |
| Noncurrent loans to loans | 0.2722% | 4,805 |
| Net loans and leases to total assets | 78.0373% | 919 |
| Net loans and leases to deposits | 89.1448% | 1,487 |
| Net loans and leases to core deposits | 91.7800% | 1,965 |
| Total domestic deposits to total assets | 87.5400% | 2,081 |
| Equity capital to assets | 9.9666% | 4,184 |
| Core capital (leverage) ratio | 9.0321% | 4,912 |
| Tier 1 risk-based capital ratio | 9.8350% | 6,208 |
| Total risk-based capital ratio | 11.0691% | 6,175 |
| Memoranda: |
| Average total assets | $127,732,000 | 4,034 |
| Average earning assets | $112,811,000 | 4,124 |
| Average equity | $12,384,500 | 4,340 |
| Average total loans | $99,377,000 | 3,464 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0792% | 663 |
| Cost of funding earning assets | 0.2759% | 5,041 |
| Net interest margin | 4.8034% | 433 |
| Noninterest income to average assets | 0.5985% | 2,866 |
| Noninterest expense to average assets | 3.2322% | 2,123 |
| Loan and lease loss provision to assets | 0.0201% | 4,215 |
| Net operating income to assets | 1.5461% | 800 |
| Return on assets (ROA) | 1.5453% | 833 |
| Pretax return on assets | 1.5469% | 1,397 |
| Return on Equity (ROE) | 15.6471% | 671 |
| Retained earnings to average equity (ytd only) | 1.8001% | 4,912 |
| Net charge-offs to loans | -0.0115% | 5,585 |
| Credit loss provision to net charge-offs | -227.2727% | 5,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3370% | 4,009 |
| Assets per employee ($millions) | 3.3502% | 5,168 |
| Cash dividends to net income (ytd only)* | 88.4956% | 621 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4138% | 2,891 |
| Loan loss allowance to noncurrent loans | 380.8625% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 4,899 |
| Noncurrent loans to loans | 0.3712% | 4,542 |
| Net loans and leases to total assets | 75.4112% | 1,352 |
| Net loans and leases to deposits | 85.4969% | 2,044 |
| Net loans and leases to core deposits | 87.6796% | 2,533 |
| Total domestic deposits to total assets | 88.2035% | 1,658 |
| Equity capital to assets | 9.4369% | 4,796 |
| Core capital (leverage) ratio | 8.8107% | 5,231 |
| Tier 1 risk-based capital ratio | 9.7881% | 6,306 |
| Total risk-based capital ratio | 11.0276% | 6,273 |
| Memoranda: |
| Average total assets | $124,310,800 | 4,095 |
| Average earning assets | $108,736,600 | 4,212 |
| Average equity | $12,277,000 | 4,308 |
| Average total loans | $95,844,800 | 3,508 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1159% | 623 |
| Cost of funding earning assets | 0.2748% | 5,155 |
| Net interest margin | 4.8412% | 390 |
| Noninterest income to average assets | 0.5769% | 3,016 |
| Noninterest expense to average assets | 3.1843% | 2,224 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6209% | 714 |
| Return on assets (ROA) | 1.6209% | 743 |
| Pretax return on assets | 1.6231% | 1,254 |
| Return on Equity (ROE) | 16.2208% | 655 |
| Retained earnings to average equity (ytd only) | 2.6310% | 4,719 |
| Net charge-offs to loans | -0.0155% | 5,543 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2373% | 4,183 |
| Assets per employee ($millions) | 3.2911% | 5,254 |
| Cash dividends to net income (ytd only)* | 83.7806% | 662 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3908% | 3,225 |
| Loan loss allowance to noncurrent loans | 970.6294% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 5,707 |
| Noncurrent loans to loans | 0.1433% | 5,487 |
| Net loans and leases to total assets | 78.6891% | 868 |
| Net loans and leases to deposits | 92.5072% | 1,185 |
| Net loans and leases to core deposits | 95.0712% | 1,752 |
| Total domestic deposits to total assets | 85.0627% | 3,318 |
| Equity capital to assets | 9.8518% | 4,352 |
| Core capital (leverage) ratio | 9.2240% | 4,746 |
| Tier 1 risk-based capital ratio | 9.4743% | 6,439 |
| Total risk-based capital ratio | 10.6506% | 6,426 |
| Memoranda: |
| Average total assets | $122,724,250 | 4,164 |
| Average earning assets | $107,244,250 | 4,283 |
| Average equity | $12,263,750 | 4,331 |
| Average total loans | $94,820,250 | 3,563 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0485% | 685 |
| Cost of funding earning assets | 0.2781% | 5,214 |
| Net interest margin | 4.7705% | 433 |
| Noninterest income to average assets | 0.5773% | 2,948 |
| Noninterest expense to average assets | 3.1687% | 2,280 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5417% | 812 |
| Return on assets (ROA) | 1.5417% | 847 |
| Pretax return on assets | 1.5450% | 1,409 |
| Return on Equity (ROE) | 15.3536% | 740 |
| Retained earnings to average equity (ytd only) | 2.2867% | 4,743 |
| Net charge-offs to loans | -0.0215% | 5,573 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2234% | 4,155 |
| Assets per employee ($millions) | 3.2149% | 5,403 |
| Cash dividends to net income (ytd only)* | 85.1064% | 791 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4616% | 3,066 |
| Loan loss allowance to noncurrent loans | 918.5430% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 5,787 |
| Noncurrent loans to loans | 0.1591% | 5,534 |
| Net loans and leases to total assets | 76.5407% | 1,101 |
| Net loans and leases to deposits | 87.6115% | 1,640 |
| Net loans and leases to core deposits | 90.0299% | 2,124 |
| Total domestic deposits to total assets | 87.3638% | 2,268 |
| Equity capital to assets | 10.0053% | 4,097 |
| Core capital (leverage) ratio | 9.0179% | 4,992 |
| Tier 1 risk-based capital ratio | 9.7806% | 6,455 |
| Total risk-based capital ratio | 11.0053% | 6,441 |
| Memoranda: |
| Average total assets | $121,944,670 | 4,196 |
| Average earning assets | $105,734,000 | 4,331 |
| Average equity | $12,244,670 | 4,350 |
| Average total loans | $93,160,670 | 3,614 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9795% | 748 |
| Cost of funding earning assets | 0.2792% | 5,290 |
| Net interest margin | 4.7003% | 470 |
| Noninterest income to average assets | 0.4826% | 3,548 |
| Noninterest expense to average assets | 3.1256% | 2,456 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3855% | 1,017 |
| Return on assets (ROA) | 1.3855% | 1,057 |
| Pretax return on assets | 1.3921% | 1,775 |
| Return on Equity (ROE) | 13.7734% | 982 |
| Retained earnings to average equity (ytd only) | 13.7734% | 412 |
| Net charge-offs to loans | -0.0780% | 6,015 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1860% | 3,969 |
| Assets per employee ($millions) | 3.3391% | 5,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5366% | 2,993 |
| Loan loss allowance to noncurrent loans | 398.5714% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 5,313 |
| Noncurrent loans to loans | 0.3855% | 4,969 |
| Net loans and leases to total assets | 72.3520% | 1,524 |
| Net loans and leases to deposits | 81.2065% | 2,139 |
| Net loans and leases to core deposits | 83.3773% | 2,586 |
| Total domestic deposits to total assets | 89.0964% | 1,591 |
| Equity capital to assets | 10.0756% | 3,754 |
| Core capital (leverage) ratio | 9.4218% | 4,387 |
| Tier 1 risk-based capital ratio | 10.7507% | 6,258 |
| Total risk-based capital ratio | 12.0020% | 6,221 |
| Memoranda: |
| Average total assets | $121,834,500 | 4,239 |
| Average earning assets | $104,588,500 | 4,396 |
| Average equity | $12,255,500 | 4,377 |
| Average total loans | $92,294,500 | 3,651 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3768% | 457 |
| Cost of funding earning assets | 0.3431% | 5,212 |
| Net interest margin | 5.0337% | 296 |
| Noninterest income to average assets | 0.6953% | 2,570 |
| Noninterest expense to average assets | 3.4146% | 1,852 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.5767% | 725 |
| Return on assets (ROA) | 1.5767% | 749 |
| Pretax return on assets | 1.5785% | 1,226 |
| Return on Equity (ROE) | 15.0034% | 766 |
| Retained earnings to average equity (ytd only) | 1.0658% | 5,358 |
| Net charge-offs to loans | 0.0510% | 4,505 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 39.8261% | 957 |
| Efficiency ratio | 68.3693% | 4,131 |
| Assets per employee ($millions) | 3.2466% | 5,398 |
| Cash dividends to net income (ytd only)* | 92.8962% | 569 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4679% | 3,341 |
| Loan loss allowance to noncurrent loans | 383.5655% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.3513% | 5,208 |
| Noncurrent loans to loans | 0.3827% | 5,045 |
| Net loans and leases to total assets | 76.9453% | 960 |
| Net loans and leases to deposits | 86.4614% | 1,630 |
| Net loans and leases to core deposits | 88.8416% | 2,151 |
| Total domestic deposits to total assets | 88.9938% | 1,632 |
| Equity capital to assets | 10.0422% | 3,710 |
| Core capital (leverage) ratio | 9.3225% | 4,513 |
| Tier 1 risk-based capital ratio | 10.0355% | 6,509 |
| Total risk-based capital ratio | 11.2855% | 6,469 |
| Memoranda: |
| Average total assets | $116,061,800 | 4,363 |
| Average earning assets | $99,092,600 | 4,536 |
| Average equity | $12,197,200 | 4,408 |
| Average total loans | $90,109,000 | 3,690 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3729% | 466 |
| Cost of funding earning assets | 0.3623% | 5,173 |
| Net interest margin | 5.0106% | 312 |
| Noninterest income to average assets | 0.7336% | 2,446 |
| Noninterest expense to average assets | 3.4211% | 1,770 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5738% | 787 |
| Return on assets (ROA) | 1.5738% | 837 |
| Pretax return on assets | 1.5761% | 1,401 |
| Return on Equity (ROE) | 14.8038% | 834 |
| Retained earnings to average equity (ytd only) | 2.2675% | 4,964 |
| Net charge-offs to loans | 0.0598% | 4,051 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 34.0013% | 1,126 |
| Efficiency ratio | 68.4369% | 4,004 |
| Assets per employee ($millions) | 3.0856% | 5,706 |
| Cash dividends to net income (ytd only)* | 84.6837% | 671 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5347% | 3,309 |
| Loan loss allowance to noncurrent loans | 429.5031% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.4060% | 5,204 |
| Noncurrent loans to loans | 0.3573% | 5,320 |
| Net loans and leases to total assets | 75.6778% | 1,048 |
| Net loans and leases to deposits | 85.4558% | 1,681 |
| Net loans and leases to core deposits | 87.8797% | 2,206 |
| Total domestic deposits to total assets | 88.5579% | 1,809 |
| Equity capital to assets | 10.3820% | 3,413 |
| Core capital (leverage) ratio | 9.5091% | 4,391 |
| Tier 1 risk-based capital ratio | 10.1676% | 6,546 |
| Total risk-based capital ratio | 11.4175% | 6,518 |
| Memoranda: |
| Average total assets | $115,046,500 | 4,432 |
| Average earning assets | $97,896,250 | 4,613 |
| Average equity | $12,230,750 | 4,453 |
| Average total loans | $89,184,750 | 3,738 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4098% | 440 |
| Cost of funding earning assets | 0.3738% | 5,195 |
| Net interest margin | 5.0360% | 292 |
| Noninterest income to average assets | 0.7961% | 2,205 |
| Noninterest expense to average assets | 3.4625% | 1,693 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6201% | 722 |
| Return on assets (ROA) | 1.6201% | 790 |
| Pretax return on assets | 1.6236% | 1,295 |
| Return on Equity (ROE) | 15.1184% | 790 |
| Retained earnings to average equity (ytd only) | 2.8735% | 4,483 |
| Net charge-offs to loans | 0.0855% | 3,509 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 24.4211% | 1,299 |
| Efficiency ratio | 68.0771% | 4,166 |
| Assets per employee ($millions) | 3.0897% | 5,703 |
| Cash dividends to net income (ytd only)* | 80.9935% | 884 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5455% | 3,384 |
| Loan loss allowance to noncurrent loans | 406.1584% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.4216% | 5,225 |
| Noncurrent loans to loans | 0.3805% | 5,327 |
| Net loans and leases to total assets | 75.1467% | 1,091 |
| Net loans and leases to deposits | 84.7867% | 1,705 |
| Net loans and leases to core deposits | 87.1845% | 2,213 |
| Total domestic deposits to total assets | 88.6303% | 1,825 |
| Equity capital to assets | 10.3348% | 3,509 |
| Core capital (leverage) ratio | 9.5142% | 4,226 |
| Tier 1 risk-based capital ratio | 9.9975% | 6,633 |
| Total risk-based capital ratio | 11.2476% | 6,614 |
| Memoranda: |
| Average total assets | $114,311,670 | 4,480 |
| Average earning assets | $97,378,670 | 4,662 |
| Average equity | $12,250,000 | 4,476 |
| Average total loans | $88,874,330 | 3,751 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4188% | 423 |
| Cost of funding earning assets | 0.3760% | 5,320 |
| Net interest margin | 5.0428% | 278 |
| Noninterest income to average assets | 0.9081% | 1,730 |
| Noninterest expense to average assets | 3.3273% | 2,017 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8552% | 433 |
| Return on assets (ROA) | 1.8552% | 475 |
| Pretax return on assets | 1.8623% | 785 |
| Return on Equity (ROE) | 16.9971% | 509 |
| Retained earnings to average equity (ytd only) | 16.9971% | 230 |
| Net charge-offs to loans | -0.0181% | 5,676 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1148% | 4,993 |
| Assets per employee ($millions) | 2.9557% | 6,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6174% | 3,326 |
| Loan loss allowance to noncurrent loans | 172.9697% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.7345% | 4,534 |
| Noncurrent loans to loans | 0.9351% | 4,265 |
| Net loans and leases to total assets | 77.2826% | 690 |
| Net loans and leases to deposits | 88.4748% | 1,099 |
| Net loans and leases to core deposits | 91.1315% | 1,595 |
| Total domestic deposits to total assets | 87.3499% | 2,727 |
| Equity capital to assets | 11.1864% | 2,758 |
| Core capital (leverage) ratio | 10.1845% | 3,164 |
| Tier 1 risk-based capital ratio | 9.3930% | 6,774 |
| Total risk-based capital ratio | 10.5763% | 6,776 |
| Memoranda: |
| Average total assets | $112,763,000 | 4,560 |
| Average earning assets | $95,741,000 | 4,745 |
| Average equity | $12,308,000 | 4,516 |
| Average total loans | $88,504,500 | 3,777 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7572% | 393 |
| Cost of funding earning assets | 0.5213% | 5,064 |
| Net interest margin | 5.2359% | 254 |
| Noninterest income to average assets | 1.5110% | 690 |
| Noninterest expense to average assets | 3.8030% | 1,247 |
| Loan and lease loss provision to assets | 0.0673% | 4,911 |
| Net operating income to assets | 2.1385% | 284 |
| Return on assets (ROA) | 2.1385% | 307 |
| Pretax return on assets | 2.1403% | 455 |
| Return on Equity (ROE) | 19.5355% | 321 |
| Retained earnings to average equity (ytd only) | 1.4926% | 5,120 |
| Net charge-offs to loans | 0.0360% | 5,419 |
| Credit loss provision to net charge-offs | 241.9355% | 1,025 |
| Earnings coverage of net charge-offs (x) | 79.3226% | 478 |
| Efficiency ratio | 63.2562% | 5,027 |
| Assets per employee ($millions) | 2.9792% | 6,045 |
| Cash dividends to net income (ytd only)* | 92.3594% | 643 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6028% | 3,298 |
| Loan loss allowance to noncurrent loans | 171.6526% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.7323% | 4,645 |
| Noncurrent loans to loans | 0.9337% | 4,326 |
| Net loans and leases to total assets | 77.1648% | 773 |
| Net loans and leases to deposits | 88.1648% | 1,252 |
| Net loans and leases to core deposits | 90.7815% | 1,740 |
| Total domestic deposits to total assets | 87.5233% | 2,514 |
| Equity capital to assets | 10.6456% | 3,340 |
| Core capital (leverage) ratio | 9.6513% | 3,891 |
| Tier 1 risk-based capital ratio | 8.9085% | 6,860 |
| Total risk-based capital ratio | 10.0817% | 6,872 |
| Memoranda: |
| Average total assets | $111,386,400 | 4,560 |
| Average earning assets | $95,724,200 | 4,699 |
| Average equity | $12,193,200 | 4,527 |
| Average total loans | $86,071,200 | 3,844 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8214% | 389 |
| Cost of funding earning assets | 0.5528% | 5,059 |
| Net interest margin | 5.2686% | 259 |
| Noninterest income to average assets | 1.5289% | 635 |
| Noninterest expense to average assets | 3.5373% | 1,680 |
| Loan and lease loss provision to assets | 0.0300% | 5,407 |
| Net operating income to assets | 2.4952% | 171 |
| Return on assets (ROA) | 2.4952% | 185 |
| Pretax return on assets | 2.4976% | 289 |
| Return on Equity (ROE) | 22.6351% | 210 |
| Retained earnings to average equity (ytd only) | 6.2802% | 2,503 |
| Net charge-offs to loans | -0.0203% | 6,501 |
| Credit loss provision to net charge-offs | -192.3077% | 6,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3036% | 5,748 |
| Assets per employee ($millions) | 2.9022% | 6,216 |
| Cash dividends to net income (ytd only)* | 72.2544% | 857 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6785% | 3,221 |
| Loan loss allowance to noncurrent loans | 269.9048% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.4973% | 5,431 |
| Noncurrent loans to loans | 0.6219% | 5,198 |
| Net loans and leases to total assets | 77.2960% | 818 |
| Net loans and leases to deposits | 89.5509% | 1,200 |
| Net loans and leases to core deposits | 92.6558% | 1,710 |
| Total domestic deposits to total assets | 86.3152% | 3,078 |
| Equity capital to assets | 11.6072% | 2,640 |
| Core capital (leverage) ratio | 10.0553% | 3,466 |
| Tier 1 risk-based capital ratio | 9.6314% | 6,880 |
| Total risk-based capital ratio | 10.8500% | 6,874 |
| Memoranda: |
| Average total assets | $110,930,250 | 4,616 |
| Average earning assets | $95,507,250 | 4,751 |
| Average equity | $12,228,500 | 4,555 |
| Average total loans | $85,393,500 | 3,905 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7485% | 437 |
| Cost of funding earning assets | 0.5713% | 5,137 |
| Net interest margin | 5.1772% | 305 |
| Noninterest income to average assets | 1.4914% | 655 |
| Noninterest expense to average assets | 3.5054% | 1,772 |
| Loan and lease loss provision to assets | 0.0446% | 5,120 |
| Net operating income to assets | 2.3833% | 207 |
| Return on assets (ROA) | 2.3833% | 238 |
| Pretax return on assets | 2.3869% | 354 |
| Return on Equity (ROE) | 21.9918% | 249 |
| Retained earnings to average equity (ytd only) | 7.1770% | 2,006 |
| Net charge-offs to loans | -0.0280% | 6,512 |
| Credit loss provision to net charge-offs | -208.3333% | 6,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0445% | 5,725 |
| Assets per employee ($millions) | 2.7992% | 6,405 |
| Cash dividends to net income (ytd only)* | 67.3653% | 1,155 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6379% | 3,470 |
| Loan loss allowance to noncurrent loans | 269.2015% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.4778% | 5,568 |
| Noncurrent loans to loans | 0.6084% | 5,299 |
| Net loans and leases to total assets | 75.9449% | 972 |
| Net loans and leases to deposits | 88.3966% | 1,335 |
| Net loans and leases to core deposits | 91.9197% | 1,786 |
| Total domestic deposits to total assets | 85.9138% | 3,397 |
| Equity capital to assets | 11.0130% | 3,101 |
| Core capital (leverage) ratio | 9.9444% | 3,494 |
| Tier 1 risk-based capital ratio | 9.4954% | 6,925 |
| Total risk-based capital ratio | 10.7111% | 6,925 |
| Memoranda: |
| Average total assets | $112,113,000 | 4,616 |
| Average earning assets | $96,268,670 | 4,757 |
| Average equity | $12,150,000 | 4,572 |
| Average total loans | $85,718,330 | 3,918 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7558% | 465 |
| Cost of funding earning assets | 0.5893% | 5,218 |
| Net interest margin | 5.1665% | 310 |
| Noninterest income to average assets | 1.7649% | 493 |
| Noninterest expense to average assets | 3.4479% | 1,883 |
| Loan and lease loss provision to assets | 0.0891% | 4,246 |
| Net operating income to assets | 2.6599% | 146 |
| Return on assets (ROA) | 2.6599% | 175 |
| Pretax return on assets | 2.6670% | 269 |
| Return on Equity (ROE) | 24.7440% | 192 |
| Retained earnings to average equity (ytd only) | 9.8180% | 1,316 |
| Net charge-offs to loans | -0.0890% | 6,746 |
| Credit loss provision to net charge-offs | -131.5789% | 5,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5747% | 6,169 |
| Assets per employee ($millions) | 2.5991% | 6,747 |
| Cash dividends to net income (ytd only)* | 60.3217% | 1,193 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6742% | 3,449 |
| Loan loss allowance to noncurrent loans | 204.1607% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.6467% | 5,268 |
| Noncurrent loans to loans | 0.8200% | 5,039 |
| Net loans and leases to total assets | 76.5573% | 740 |
| Net loans and leases to deposits | 89.3103% | 1,030 |
| Net loans and leases to core deposits | 92.3887% | 1,609 |
| Total domestic deposits to total assets | 85.7206% | 3,678 |
| Equity capital to assets | 11.1768% | 2,733 |
| Core capital (leverage) ratio | 9.8519% | 3,569 |
| Tier 1 risk-based capital ratio | 9.5500% | 6,957 |
| Total risk-based capital ratio | 10.7942% | 6,953 |
| Memoranda: |
| Average total assets | $112,185,500 | 4,648 |
| Average earning assets | $96,390,500 | 4,786 |
| Average equity | $12,059,500 | 4,599 |
| Average total loans | $85,352,500 | 3,962 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8553% | 569 |
| Cost of funding earning assets | 0.7547% | 5,174 |
| Net interest margin | 5.1006% | 340 |
| Noninterest income to average assets | 0.8938% | 1,689 |
| Noninterest expense to average assets | 3.3591% | 2,341 |
| Loan and lease loss provision to assets | 0.2178% | 4,016 |
| Net operating income to assets | 1.6264% | 634 |
| Return on assets (ROA) | 1.6264% | 689 |
| Pretax return on assets | 1.6264% | 1,147 |
| Return on Equity (ROE) | 15.6980% | 652 |
| Retained earnings to average equity (ytd only) | 1.4042% | 5,193 |
| Net charge-offs to loans | 0.3338% | 3,728 |
| Credit loss provision to net charge-offs | 87.4126% | 4,131 |
| Earnings coverage of net charge-offs (x) | 7.4021% | 2,343 |
| Efficiency ratio | 64.5404% | 5,032 |
| Assets per employee ($millions) | 2.8099% | 6,444 |
| Cash dividends to net income (ytd only)* | 91.0552% | 503 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6089% | 3,550 |
| Loan loss allowance to noncurrent loans | 100.8041% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 1.1952% | 4,245 |
| Noncurrent loans to loans | 1.5961% | 3,767 |
| Net loans and leases to total assets | 73.1987% | 1,408 |
| Net loans and leases to deposits | 84.7231% | 1,838 |
| Net loans and leases to core deposits | 87.2313% | 2,470 |
| Total domestic deposits to total assets | 86.3975% | 3,075 |
| Equity capital to assets | 10.3449% | 3,719 |
| Core capital (leverage) ratio | 9.1723% | 4,508 |
| Tier 1 risk-based capital ratio | 9.4782% | 6,964 |
| Total risk-based capital ratio | 10.7079% | 6,962 |
| Memoranda: |
| Average total assets | $114,793,000 | 4,530 |
| Average earning assets | $96,989,000 | 4,712 |
| Average equity | $11,893,200 | 4,572 |
| Average total loans | $85,675,200 | 3,974 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8586% | 609 |
| Cost of funding earning assets | 0.7851% | 5,248 |
| Net interest margin | 5.0735% | 361 |
| Noninterest income to average assets | 0.7417% | 2,359 |
| Noninterest expense to average assets | 3.1632% | 2,949 |
| Loan and lease loss provision to assets | 0.1453% | 4,628 |
| Net operating income to assets | 1.7078% | 615 |
| Return on assets (ROA) | 1.7078% | 672 |
| Pretax return on assets | 1.7078% | 1,129 |
| Return on Equity (ROE) | 16.4770% | 614 |
| Retained earnings to average equity (ytd only) | 3.0172% | 4,536 |
| Net charge-offs to loans | 0.2584% | 3,814 |
| Credit loss provision to net charge-offs | 75.3012% | 4,301 |
| Earnings coverage of net charge-offs (x) | 9.6023% | 2,025 |
| Efficiency ratio | 63.0359% | 5,234 |
| Assets per employee ($millions) | 2.8626% | 6,380 |
| Cash dividends to net income (ytd only)* | 81.6881% | 576 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6090% | 3,622 |
| Loan loss allowance to noncurrent loans | 107.0872% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 1.1842% | 4,421 |
| Noncurrent loans to loans | 1.5025% | 4,037 |
| Net loans and leases to total assets | 73.4317% | 1,422 |
| Net loans and leases to deposits | 85.3279% | 1,779 |
| Net loans and leases to core deposits | 88.3559% | 2,445 |
| Total domestic deposits to total assets | 86.0583% | 3,188 |
| Equity capital to assets | 10.5192% | 3,682 |
| Core capital (leverage) ratio | 9.3219% | 4,422 |
| Tier 1 risk-based capital ratio | 9.7702% | 7,012 |
| Total risk-based capital ratio | 11.0200% | 7,006 |
| Memoranda: |
| Average total assets | $114,689,500 | 4,563 |
| Average earning assets | $96,629,750 | 4,753 |
| Average equity | $11,887,000 | 4,594 |
| Average total loans | $85,666,750 | 4,016 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8866% | 598 |
| Cost of funding earning assets | 0.8079% | 5,315 |
| Net interest margin | 5.0787% | 348 |
| Noninterest income to average assets | 0.6118% | 3,056 |
| Noninterest expense to average assets | 3.1930% | 2,928 |
| Loan and lease loss provision to assets | 0.1307% | 4,660 |
| Net operating income to assets | 1.5390% | 822 |
| Return on assets (ROA) | 1.5390% | 874 |
| Pretax return on assets | 1.5390% | 1,407 |
| Return on Equity (ROE) | 14.9227% | 819 |
| Retained earnings to average equity (ytd only) | 2.2477% | 4,862 |
| Net charge-offs to loans | 0.3219% | 3,272 |
| Credit loss provision to net charge-offs | 54.3478% | 4,474 |
| Earnings coverage of net charge-offs (x) | 6.9420% | 2,303 |
| Efficiency ratio | 65.6631% | 4,942 |
| Assets per employee ($millions) | 3.0102% | 6,065 |
| Cash dividends to net income (ytd only)* | 84.9377% | 689 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5568% | 3,874 |
| Loan loss allowance to noncurrent loans | 134.1270% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.9123% | 5,048 |
| Noncurrent loans to loans | 1.1607% | 4,720 |
| Net loans and leases to total assets | 72.8234% | 1,629 |
| Net loans and leases to deposits | 85.0154% | 1,947 |
| Net loans and leases to core deposits | 87.6835% | 2,682 |
| Total domestic deposits to total assets | 85.6592% | 3,515 |
| Equity capital to assets | 10.1389% | 3,967 |
| Core capital (leverage) ratio | 9.2452% | 4,329 |
| Tier 1 risk-based capital ratio | 9.5071% | 7,103 |
| Total risk-based capital ratio | 10.7156% | 7,111 |
| Memoranda: |
| Average total assets | $114,751,000 | 4,596 |
| Average earning assets | $96,048,330 | 4,814 |
| Average equity | $11,834,330 | 4,598 |
| Average total loans | $85,736,330 | 4,052 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9850% | 487 |
| Cost of funding earning assets | 0.8217% | 5,452 |
| Net interest margin | 5.1633% | 270 |
| Noninterest income to average assets | 0.6171% | 3,054 |
| Noninterest expense to average assets | 3.2937% | 2,578 |
| Loan and lease loss provision to assets | 0.0882% | 4,907 |
| Net operating income to assets | 1.5340% | 814 |
| Return on assets (ROA) | 1.5340% | 856 |
| Pretax return on assets | 1.5340% | 1,348 |
| Return on Equity (ROE) | 14.7458% | 863 |
| Retained earnings to average equity (ytd only) | 2.8814% | 4,433 |
| Net charge-offs to loans | 0.0329% | 4,639 |
| Credit loss provision to net charge-offs | 357.1429% | 915 |
| Earnings coverage of net charge-offs (x) | 65.7143% | 460 |
| Efficiency ratio | 67.0014% | 4,852 |
| Assets per employee ($millions) | 2.8495% | 6,446 |
| Cash dividends to net income (ytd only)* | 80.4598% | 830 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7078% | 3,313 |
| Loan loss allowance to noncurrent loans | 133.0548% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.9758% | 4,947 |
| Noncurrent loans to loans | 1.2835% | 4,555 |
| Net loans and leases to total assets | 70.5957% | 2,011 |
| Net loans and leases to deposits | 82.4440% | 2,285 |
| Net loans and leases to core deposits | 85.0366% | 3,024 |
| Total domestic deposits to total assets | 85.6287% | 3,723 |
| Equity capital to assets | 10.1310% | 3,612 |
| Core capital (leverage) ratio | 9.5493% | 3,725 |
| Tier 1 risk-based capital ratio | 9.7728% | 7,067 |
| Total risk-based capital ratio | 10.9845% | 7,091 |
| Memoranda: |
| Average total assets | $113,427,000 | 4,658 |
| Average earning assets | $94,436,000 | 4,903 |
| Average equity | $11,800,000 | 4,600 |
| Average total loans | $85,181,500 | 4,100 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4253% | 362 |
| Cost of funding earning assets | 1.0922% | 5,175 |
| Net interest margin | 5.3331% | 227 |
| Noninterest income to average assets | 1.2858% | 891 |
| Noninterest expense to average assets | 3.5027% | 2,164 |
| Loan and lease loss provision to assets | 0.3835% | 3,817 |
| Net operating income to assets | 1.8695% | 360 |
| Return on assets (ROA) | 1.8695% | 389 |
| Pretax return on assets | 1.8713% | 649 |
| Return on Equity (ROE) | 17.6931% | 403 |
| Retained earnings to average equity (ytd only) | 2.5361% | 4,097 |
| Net charge-offs to loans | 0.2753% | 4,644 |
| Credit loss provision to net charge-offs | 175.6198% | 1,903 |
| Earnings coverage of net charge-offs (x) | 10.3264% | 1,727 |
| Efficiency ratio | 60.8212% | 5,924 |
| Assets per employee ($millions) | 2.6835% | 6,713 |
| Cash dividends to net income (ytd only)* | 85.6660% | 689 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6367% | 3,438 |
| Loan loss allowance to noncurrent loans | 127.3627% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 1.0670% | 4,872 |
| Noncurrent loans to loans | 1.2851% | 4,566 |
| Net loans and leases to total assets | 77.2904% | 1,050 |
| Net loans and leases to deposits | 91.5983% | 1,308 |
| Net loans and leases to core deposits | 94.7066% | 2,171 |
| Total domestic deposits to total assets | 84.3798% | 4,189 |
| Equity capital to assets | 10.6922% | 2,965 |
| Core capital (leverage) ratio | 9.2577% | 4,087 |
| Tier 1 risk-based capital ratio | 9.5693% | 7,119 |
| Total risk-based capital ratio | 10.8194% | 7,129 |
| Memoranda: |
| Average total assets | $110,829,600 | 4,692 |
| Average earning assets | $92,929,000 | 4,919 |
| Average equity | $11,710,800 | 4,691 |
| Average total loans | $87,913,200 | 4,104 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4187% | 392 |
| Cost of funding earning assets | 1.1186% | 5,325 |
| Net interest margin | 5.3000% | 245 |
| Noninterest income to average assets | 1.1948% | 975 |
| Noninterest expense to average assets | 3.3191% | 2,516 |
| Loan and lease loss provision to assets | 0.3002% | 4,171 |
| Net operating income to assets | 2.0450% | 316 |
| Return on assets (ROA) | 2.0450% | 338 |
| Pretax return on assets | 2.0474% | 561 |
| Return on Equity (ROE) | 19.4111% | 348 |
| Retained earnings to average equity (ytd only) | 5.4483% | 2,678 |
| Net charge-offs to loans | 0.0211% | 6,378 |
| Credit loss provision to net charge-offs | 1,785.7143% | 178 |
| Earnings coverage of net charge-offs (x) | 139.6144% | 228 |
| Efficiency ratio | 58.5505% | 6,180 |
| Assets per employee ($millions) | 2.8877% | 6,403 |
| Cash dividends to net income (ytd only)* | 71.9318% | 856 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6697% | 3,255 |
| Loan loss allowance to noncurrent loans | 116.0474% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 1.1232% | 4,868 |
| Noncurrent loans to loans | 1.4388% | 4,459 |
| Net loans and leases to total assets | 76.7639% | 1,267 |
| Net loans and leases to deposits | 90.8950% | 1,598 |
| Net loans and leases to core deposits | 93.9288% | 2,533 |
| Total domestic deposits to total assets | 84.4533% | 3,896 |
| Equity capital to assets | 10.6427% | 3,358 |
| Core capital (leverage) ratio | 9.5344% | 3,852 |
| Tier 1 risk-based capital ratio | 10.0452% | 7,043 |
| Total risk-based capital ratio | 11.2969% | 7,027 |
| Memoranda: |
| Average total assets | $111,031,000 | 4,738 |
| Average earning assets | $93,682,750 | 4,962 |
| Average equity | $11,697,500 | 4,766 |
| Average total loans | $88,278,250 | 4,163 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4562% | 364 |
| Cost of funding earning assets | 1.1436% | 5,446 |
| Net interest margin | 5.3126% | 243 |
| Noninterest income to average assets | 0.7855% | 2,203 |
| Noninterest expense to average assets | 3.3176% | 2,509 |
| Loan and lease loss provision to assets | 0.2715% | 4,219 |
| Net operating income to assets | 1.7249% | 560 |
| Return on assets (ROA) | 1.7249% | 613 |
| Pretax return on assets | 1.7285% | 1,005 |
| Return on Equity (ROE) | 16.4292% | 645 |
| Retained earnings to average equity (ytd only) | 3.0686% | 4,148 |
| Net charge-offs to loans | -0.0339% | 7,379 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3894% | 5,628 |
| Assets per employee ($millions) | 2.6884% | 6,795 |
| Cash dividends to net income (ytd only)* | 81.3221% | 736 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6072% | 3,413 |
| Loan loss allowance to noncurrent loans | 133.6842% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.9481% | 5,238 |
| Noncurrent loans to loans | 1.2022% | 4,955 |
| Net loans and leases to total assets | 77.5904% | 1,178 |
| Net loans and leases to deposits | 92.4534% | 1,460 |
| Net loans and leases to core deposits | 95.1451% | 2,567 |
| Total domestic deposits to total assets | 83.9238% | 4,139 |
| Equity capital to assets | 10.6065% | 3,273 |
| Core capital (leverage) ratio | 9.3033% | 4,116 |
| Tier 1 risk-based capital ratio | 10.1054% | 6,968 |
| Total risk-based capital ratio | 11.3568% | 6,938 |
| Memoranda: |
| Average total assets | $110,500,670 | 4,789 |
| Average earning assets | $94,265,670 | 4,980 |
| Average equity | $11,601,330 | 4,782 |
| Average total loans | $88,397,330 | 4,191 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3673% | 470 |
| Cost of funding earning assets | 1.1406% | 5,697 |
| Net interest margin | 5.2267% | 273 |
| Noninterest income to average assets | 0.6978% | 2,618 |
| Noninterest expense to average assets | 3.3189% | 2,469 |
| Loan and lease loss provision to assets | 0.2712% | 3,857 |
| Net operating income to assets | 1.6233% | 713 |
| Return on assets (ROA) | 1.6233% | 761 |
| Pretax return on assets | 1.6305% | 1,197 |
| Return on Equity (ROE) | 15.5410% | 796 |
| Retained earnings to average equity (ytd only) | 3.4266% | 4,103 |
| Net charge-offs to loans | 0.1122% | 4,311 |
| Credit loss provision to net charge-offs | 300.0000% | 1,310 |
| Earnings coverage of net charge-offs (x) | 21.0400% | 1,135 |
| Efficiency ratio | 63.5734% | 5,573 |
| Assets per employee ($millions) | 2.5947% | 7,046 |
| Cash dividends to net income (ytd only)* | 77.9510% | 880 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4361% | 4,230 |
| Loan loss allowance to noncurrent loans | 102.8892% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 1.1434% | 4,883 |
| Noncurrent loans to loans | 1.3958% | 4,639 |
| Net loans and leases to total assets | 80.7380% | 744 |
| Net loans and leases to deposits | 97.4396% | 961 |
| Net loans and leases to core deposits | 100.9095% | 2,040 |
| Total domestic deposits to total assets | 82.8595% | 4,697 |
| Equity capital to assets | 10.6473% | 3,093 |
| Core capital (leverage) ratio | 9.4453% | 3,861 |
| Tier 1 risk-based capital ratio | 10.0573% | 6,990 |
| Total risk-based capital ratio | 11.3071% | 6,988 |
| Memoranda: |
| Average total assets | $110,638,500 | 4,857 |
| Average earning assets | $95,739,000 | 4,998 |
| Average equity | $11,556,500 | 4,832 |
| Average total loans | $89,135,500 | 4,224 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5966% | 558 |
| Cost of funding earning assets | 1.5175% | 5,448 |
| Net interest margin | 5.0792% | 380 |
| Noninterest income to average assets | 0.9238% | 1,854 |
| Noninterest expense to average assets | 3.3697% | 2,777 |
| Loan and lease loss provision to assets | 0.2639% | 5,295 |
| Net operating income to assets | 1.6928% | 451 |
| Return on assets (ROA) | 1.6928% | 478 |
| Pretax return on assets | 1.6928% | 793 |
| Return on Equity (ROE) | 16.6476% | 491 |
| Retained earnings to average equity (ytd only) | 0.6403% | 4,547 |
| Net charge-offs to loans | 0.1550% | 5,716 |
| Credit loss provision to net charge-offs | 211.2676% | 1,815 |
| Earnings coverage of net charge-offs (x) | 15.6620% | 1,293 |
| Efficiency ratio | 63.2474% | 5,923 |
| Assets per employee ($millions) | 2.7390% | 6,785 |
| Cash dividends to net income (ytd only)* | 96.1538% | 714 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3831% | 4,319 |
| Loan loss allowance to noncurrent loans | 73.7567% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.4862% | 4,156 |
| Noncurrent loans to loans | 1.8752% | 3,835 |
| Net loans and leases to total assets | 78.1587% | 1,345 |
| Net loans and leases to deposits | 92.3664% | 1,835 |
| Net loans and leases to core deposits | 102.5841% | 3,738 |
| Total domestic deposits to total assets | 84.6181% | 3,750 |
| Equity capital to assets | 10.2492% | 3,461 |
| Core capital (leverage) ratio | 8.8547% | 4,675 |
| Tier 1 risk-based capital ratio | 9.8667% | 6,973 |
| Total risk-based capital ratio | 11.0601% | 6,993 |
| Memoranda: |
| Average total assets | $113,660,800 | 4,736 |
| Average earning assets | $98,520,400 | 4,878 |
| Average equity | $11,557,200 | 4,858 |
| Average total loans | $91,623,600 | 4,170 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6525% | 554 |
| Cost of funding earning assets | 1.5827% | 5,479 |
| Net interest margin | 5.0698% | 394 |
| Noninterest income to average assets | 1.0117% | 1,559 |
| Noninterest expense to average assets | 3.3028% | 2,912 |
| Loan and lease loss provision to assets | 0.1462% | 5,898 |
| Net operating income to assets | 1.9496% | 325 |
| Return on assets (ROA) | 1.9496% | 347 |
| Pretax return on assets | 1.9496% | 590 |
| Return on Equity (ROE) | 19.2118% | 352 |
| Retained earnings to average equity (ytd only) | 2.5009% | 3,926 |
| Net charge-offs to loans | -0.0722% | 7,893 |
| Credit loss provision to net charge-offs | -250.0000% | 7,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1568% | 6,247 |
| Assets per employee ($millions) | 2.8234% | 6,603 |
| Cash dividends to net income (ytd only)* | 86.9829% | 793 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3694% | 4,115 |
| Loan loss allowance to noncurrent loans | 95.4893% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 1.1697% | 4,736 |
| Noncurrent loans to loans | 1.4341% | 4,520 |
| Net loans and leases to total assets | 79.6564% | 1,244 |
| Net loans and leases to deposits | 96.3964% | 1,523 |
| Net loans and leases to core deposits | 109.8963% | 3,254 |
| Total domestic deposits to total assets | 82.6343% | 4,384 |
| Equity capital to assets | 10.3351% | 3,689 |
| Core capital (leverage) ratio | 9.1896% | 4,352 |
| Tier 1 risk-based capital ratio | 9.6071% | 7,300 |
| Total risk-based capital ratio | 10.7698% | 7,326 |
| Memoranda: |
| Average total assets | $114,000,750 | 4,744 |
| Average earning assets | $98,647,250 | 4,902 |
| Average equity | $11,569,000 | 4,905 |
| Average total loans | $92,278,500 | 4,191 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6658% | 578 |
| Cost of funding earning assets | 1.6534% | 5,496 |
| Net interest margin | 5.0124% | 417 |
| Noninterest income to average assets | 1.0983% | 1,318 |
| Noninterest expense to average assets | 3.1498% | 3,505 |
| Loan and lease loss provision to assets | 0.1749% | 5,300 |
| Net operating income to assets | 2.1267% | 224 |
| Return on assets (ROA) | 2.1267% | 244 |
| Pretax return on assets | 2.1267% | 408 |
| Return on Equity (ROE) | 21.0843% | 278 |
| Retained earnings to average equity (ytd only) | 3.7452% | 3,210 |
| Net charge-offs to loans | -0.1619% | 8,011 |
| Credit loss provision to net charge-offs | -133.3333% | 6,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7799% | 6,892 |
| Assets per employee ($millions) | 2.7360% | 6,764 |
| Cash dividends to net income (ytd only)* | 82.2368% | 1,037 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3585% | 3,942 |
| Loan loss allowance to noncurrent loans | 116.8224% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.9538% | 5,076 |
| Noncurrent loans to loans | 1.1629% | 4,891 |
| Net loans and leases to total assets | 80.9123% | 1,156 |
| Net loans and leases to deposits | 97.7039% | 1,566 |
| Net loans and leases to core deposits | 113.1945% | 2,998 |
| Total domestic deposits to total assets | 82.8138% | 4,322 |
| Equity capital to assets | 10.3453% | 3,572 |
| Core capital (leverage) ratio | 8.9122% | 4,765 |
| Tier 1 risk-based capital ratio | 9.7298% | 7,202 |
| Total risk-based capital ratio | 10.9084% | 7,211 |
| Memoranda: |
| Average total assets | $114,356,000 | 4,762 |
| Average earning assets | $99,313,000 | 4,911 |
| Average equity | $11,534,670 | 4,941 |
| Average total loans | $92,635,000 | 4,217 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7269% | 553 |
| Cost of funding earning assets | 1.6957% | 5,619 |
| Net interest margin | 5.0311% | 375 |
| Noninterest income to average assets | 1.0256% | 1,414 |
| Noninterest expense to average assets | 2.9798% | 3,849 |
| Loan and lease loss provision to assets | 0.1732% | 4,731 |
| Net operating income to assets | 2.2314% | 221 |
| Return on assets (ROA) | 2.2314% | 256 |
| Pretax return on assets | 2.2314% | 414 |
| Return on Equity (ROE) | 22.4010% | 288 |
| Retained earnings to average equity (ytd only) | 6.7481% | 2,310 |
| Net charge-offs to loans | -0.1076% | 7,896 |
| Credit loss provision to net charge-offs | -200.0000% | 6,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3411% | 7,063 |
| Assets per employee ($millions) | 2.6275% | 7,034 |
| Cash dividends to net income (ytd only)* | 69.8758% | 1,276 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2637% | 4,321 |
| Loan loss allowance to noncurrent loans | 126.4026% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.8046% | 5,162 |
| Noncurrent loans to loans | 0.9998% | 4,996 |
| Net loans and leases to total assets | 79.4560% | 1,485 |
| Net loans and leases to deposits | 95.8467% | 1,972 |
| Net loans and leases to core deposits | 113.8691% | 3,020 |
| Total domestic deposits to total assets | 82.8990% | 4,193 |
| Equity capital to assets | 10.2698% | 3,682 |
| Core capital (leverage) ratio | 9.0944% | 4,567 |
| Tier 1 risk-based capital ratio | 10.0085% | 6,911 |
| Total risk-based capital ratio | 11.1250% | 6,957 |
| Memoranda: |
| Average total assets | $115,445,500 | 4,764 |
| Average earning assets | $100,017,000 | 4,916 |
| Average equity | $11,499,500 | 4,977 |
| Average total loans | $92,945,000 | 4,232 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0531% | 1,005 |
| Cost of funding earning assets | 2.2303% | 5,458 |
| Net interest margin | 4.8228% | 743 |
| Noninterest income to average assets | 1.0124% | 1,538 |
| Noninterest expense to average assets | 3.2322% | 3,221 |
| Loan and lease loss provision to assets | 0.3528% | 3,572 |
| Net operating income to assets | 1.7189% | 654 |
| Return on assets (ROA) | 1.7189% | 626 |
| Pretax return on assets | 1.7189% | 1,106 |
| Return on Equity (ROE) | 17.5471% | 572 |
| Retained earnings to average equity (ytd only) | 2.4280% | 3,687 |
| Net charge-offs to loans | 0.4585% | 2,537 |
| Credit loss provision to net charge-offs | 95.7447% | 5,522 |
| Earnings coverage of net charge-offs (x) | 5.6217% | 3,582 |
| Efficiency ratio | 60.9231% | 6,179 |
| Assets per employee ($millions) | 2.6202% | 6,964 |
| Cash dividends to net income (ytd only)* | 86.1632% | 1,446 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1309% | 5,048 |
| Loan loss allowance to noncurrent loans | 115.2361% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.8227% | 4,791 |
| Noncurrent loans to loans | 0.9814% | 4,632 |
| Net loans and leases to total assets | 79.6343% | 1,744 |
| Net loans and leases to deposits | 96.0701% | 2,440 |
| Net loans and leases to core deposits | 113.9210% | 3,351 |
| Total domestic deposits to total assets | 82.8919% | 3,816 |
| Equity capital to assets | 9.6651% | 4,468 |
| Core capital (leverage) ratio | 8.4726% | 5,619 |
| Tier 1 risk-based capital ratio | 9.5877% | 7,220 |
| Total risk-based capital ratio | 10.6068% | 7,385 |
| Memoranda: |
| Average total assets | $114,782,200 | 4,648 |
| Average earning assets | $102,139,800 | 4,744 |
| Average equity | $11,244,000 | 5,052 |
| Average total loans | $92,252,200 | 4,150 |
