| 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 | 5.0249% | 2,027 |
| Cost of funding earning assets | 1.5062% | 1,926 |
| Net interest margin | 3.5187% | 2,144 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 1.9122% | 3,814 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.4325% | 1,153 |
| Return on assets (ROA) | 1.4325% | 1,123 |
| Pretax return on assets | 1.4325% | 1,568 |
| Return on Equity (ROE) | 16.0700% | 1,084 |
| Retained earnings to average equity (ytd only) | 7.0969% | 1,864 |
| Net charge-offs to loans | 0.2374% | 454 |
| Credit loss provision to net charge-offs | 66.6667% | 2,111 |
| Earnings coverage of net charge-offs (x) | 8.5511% | 2,337 |
| Efficiency ratio | 55.1724% | 3,588 |
| Assets per employee ($millions) | 14.6895% | 227 |
| Cash dividends to net income (ytd only)* | 55.8343% | 1,369 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2735% | 1,907 |
| Loan loss allowance to noncurrent loans | 337.8453% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.2899% | 1,784 |
| Noncurrent loans to loans | 0.3769% | 1,856 |
| Net loans and leases to total assets | 75.9300% | 1,124 |
| Net loans and leases to deposits | 94.9820% | 868 |
| Net loans and leases to core deposits | 102.9290% | 1,281 |
| Total domestic deposits to total assets | 79.9500% | 3,469 |
| Equity capital to assets | 9.3709% | 2,439 |
| Core capital (leverage) ratio | 10.2913% | 2,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2128% | 1,797 |
| Memoranda: |
| Average total assets | $247,670,600 | 2,700 |
| Average earning assets | $236,622,400 | 2,648 |
| Average equity | $22,080,000 | 2,690 |
| Average total loans | $189,567,400 | 2,362 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9387% | 1,975 |
| Cost of funding earning assets | 1.3398% | 2,029 |
| Net interest margin | 3.5989% | 2,012 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 1.9426% | 3,730 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.4808% | 1,161 |
| Return on assets (ROA) | 1.4808% | 1,141 |
| Pretax return on assets | 1.4808% | 1,599 |
| Return on Equity (ROE) | 16.8300% | 1,106 |
| Retained earnings to average equity (ytd only) | 6.7739% | 2,365 |
| Net charge-offs to loans | 0.3175% | 280 |
| Credit loss provision to net charge-offs | 50.0000% | 1,890 |
| Earnings coverage of net charge-offs (x) | 6.6000% | 2,278 |
| Efficiency ratio | 54.8014% | 3,516 |
| Assets per employee ($millions) | 15.3602% | 182 |
| Cash dividends to net income (ytd only)* | 59.7450% | 947 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2241% | 2,254 |
| Loan loss allowance to noncurrent loans | 321.7096% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.2999% | 1,813 |
| Noncurrent loans to loans | 0.3805% | 1,874 |
| Net loans and leases to total assets | 77.8500% | 901 |
| Net loans and leases to deposits | 97.2620% | 659 |
| Net loans and leases to core deposits | 105.0861% | 1,058 |
| Total domestic deposits to total assets | 80.0400% | 3,521 |
| Equity capital to assets | 8.9957% | 2,415 |
| Core capital (leverage) ratio | 10.0506% | 2,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9724% | 1,908 |
| Memoranda: |
| Average total assets | $247,158,000 | 2,705 |
| Average earning assets | $236,140,750 | 2,657 |
| Average equity | $21,749,750 | 2,705 |
| Average total loans | $188,942,000 | 2,371 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8600% | 1,859 |
| Cost of funding earning assets | 1.0824% | 2,348 |
| Net interest margin | 3.7777% | 1,665 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 1.9465% | 3,722 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.6396% | 889 |
| Return on assets (ROA) | 1.6396% | 891 |
| Pretax return on assets | 1.6396% | 1,339 |
| Return on Equity (ROE) | 18.7700% | 861 |
| Retained earnings to average equity (ytd only) | 6.3152% | 2,508 |
| Net charge-offs to loans | 0.4761% | 175 |
| Credit loss provision to net charge-offs | 33.6323% | 1,730 |
| Earnings coverage of net charge-offs (x) | 4.8879% | 2,198 |
| Efficiency ratio | 52.5054% | 3,738 |
| Assets per employee ($millions) | 14.9222% | 201 |
| Cash dividends to net income (ytd only)* | 66.3547% | 820 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1915% | 2,484 |
| Loan loss allowance to noncurrent loans | 317.6796% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.2854% | 1,779 |
| Noncurrent loans to loans | 0.3750% | 1,799 |
| Net loans and leases to total assets | 75.1900% | 1,138 |
| Net loans and leases to deposits | 94.0023% | 865 |
| Net loans and leases to core deposits | 100.6926% | 1,198 |
| Total domestic deposits to total assets | 79.9900% | 3,579 |
| Equity capital to assets | 8.6196% | 2,765 |
| Core capital (leverage) ratio | 9.6659% | 3,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6444% | 2,040 |
| Memoranda: |
| Average total assets | $247,623,000 | 2,703 |
| Average earning assets | $235,966,000 | 2,671 |
| Average equity | $21,630,333 | 2,729 |
| Average total loans | $187,357,333 | 2,373 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8001% | 1,616 |
| Cost of funding earning assets | 0.6653% | 3,172 |
| Net interest margin | 4.1348% | 1,050 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.0409% | 3,521 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.8986% | 573 |
| Return on assets (ROA) | 1.8986% | 569 |
| Pretax return on assets | 1.8986% | 911 |
| Return on Equity (ROE) | 21.5900% | 613 |
| Retained earnings to average equity (ytd only) | 8.6275% | 2,048 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.2415% | 3,913 |
| Assets per employee ($millions) | 12.8769% | 315 |
| Cash dividends to net income (ytd only)* | 60.0345% | 961 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4497% | 1,436 |
| 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 | 74.2100% | 1,177 |
| Net loans and leases to deposits | 85.8966% | 1,356 |
| Net loans and leases to core deposits | 90.6932% | 1,580 |
| Total domestic deposits to total assets | 86.4000% | 2,475 |
| Equity capital to assets | 8.9712% | 2,548 |
| Core capital (leverage) ratio | 10.0063% | 2,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1765% | 1,918 |
| Memoranda: |
| Average total assets | $244,595,500 | 2,755 |
| Average earning assets | $232,660,000 | 2,722 |
| Average equity | $21,512,500 | 2,758 |
| Average total loans | $184,515,500 | 2,413 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4147% | 856 |
| Cost of funding earning assets | 0.1738% | 3,968 |
| Net interest margin | 4.2408% | 483 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 1.7316% | 4,121 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 2.1610% | 227 |
| Return on assets (ROA) | 2.1610% | 219 |
| Pretax return on assets | 2.3012% | 267 |
| Return on Equity (ROE) | 26.5600% | 161 |
| Retained earnings to average equity (ytd only) | 21.1537% | 70 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 41.7065% | 4,498 |
| Assets per employee ($millions) | 13.5850% | 270 |
| Cash dividends to net income (ytd only)* | 20.3639% | 2,883 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4049% | 1,485 |
| 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 | 74.5100% | 1,177 |
| Net loans and leases to deposits | 82.8493% | 1,553 |
| Net loans and leases to core deposits | 86.8721% | 1,687 |
| Total domestic deposits to total assets | 89.9300% | 1,390 |
| Equity capital to assets | 8.6190% | 2,618 |
| Core capital (leverage) ratio | 9.0710% | 3,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8546% | 2,029 |
| Memoranda: |
| Average total assets | $251,784,400 | 2,716 |
| Average earning assets | $241,036,800 | 2,666 |
| Average equity | $20,483,400 | 2,910 |
| Average total loans | $169,929,000 | 2,455 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2161% | 859 |
| Cost of funding earning assets | 0.0960% | 4,314 |
| Net interest margin | 4.1201% | 496 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 1.5357% | 4,378 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 2.3938% | 167 |
| Return on assets (ROA) | 2.3938% | 165 |
| Pretax return on assets | 2.3938% | 239 |
| Return on Equity (ROE) | 29.8500% | 105 |
| Retained earnings to average equity (ytd only) | 29.8522% | 34 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 37.9400% | 4,618 |
| Assets per employee ($millions) | 13.7532% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4629% | 1,412 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 64.9800% | 1,985 |
| Net loans and leases to deposits | 71.0058% | 2,288 |
| Net loans and leases to core deposits | 74.0809% | 2,339 |
| Total domestic deposits to total assets | 91.5200% | 1,044 |
| Equity capital to assets | 8.1003% | 2,837 |
| Core capital (leverage) ratio | 9.4051% | 3,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5733% | 1,854 |
| Memoranda: |
| Average total assets | $253,598,000 | 2,727 |
| Average earning assets | $243,095,250 | 2,673 |
| Average equity | $20,335,250 | 2,964 |
| Average total loans | $166,215,000 | 2,490 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0953% | 771 |
| Cost of funding earning assets | 0.0873% | 4,313 |
| Net interest margin | 4.0080% | 488 |
| Noninterest income to average assets | 0.1020% | 4,473 |
| Noninterest expense to average assets | 1.4739% | 4,450 |
| Loan and lease loss provision to assets | 0.1195% | 836 |
| Net operating income to assets | 2.3503% | 129 |
| Return on assets (ROA) | 2.3503% | 128 |
| Pretax return on assets | 2.3503% | 204 |
| Return on Equity (ROE) | 29.4147% | 64 |
| Retained earnings to average equity (ytd only) | 29.4147% | 23 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.3737% | 4,662 |
| Assets per employee ($millions) | 13.2307% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4202% | 1,667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 67.5373% | 1,519 |
| Net loans and leases to deposits | 73.6465% | 1,904 |
| Net loans and leases to core deposits | 76.7504% | 1,947 |
| Total domestic deposits to total assets | 91.7047% | 962 |
| Equity capital to assets | 7.9814% | 3,137 |
| Core capital (leverage) ratio | 8.9666% | 3,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7793% | 2,167 |
| Memoranda: |
| Average total assets | $251,027,000 | 2,769 |
| Average earning assets | $240,619,000 | 2,717 |
| Average equity | $20,058,000 | 3,066 |
| Average total loans | $164,177,667 | 2,513 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9661% | 826 |
| Cost of funding earning assets | 0.1031% | 4,098 |
| Net interest margin | 3.8630% | 549 |
| Noninterest income to average assets | 0.1052% | 4,479 |
| Noninterest expense to average assets | 1.4463% | 4,486 |
| Loan and lease loss provision to assets | 0.1196% | 698 |
| Net operating income to assets | 2.2420% | 158 |
| Return on assets (ROA) | 2.2420% | 155 |
| Pretax return on assets | 2.2420% | 245 |
| Return on Equity (ROE) | 28.0429% | 71 |
| Retained earnings to average equity (ytd only) | 28.0429% | 43 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9816% | 4,683 |
| Assets per employee ($millions) | 13.1109% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4453% | 1,732 |
| 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 | 64.9040% | 1,511 |
| Net loans and leases to deposits | 70.8015% | 1,882 |
| Net loans and leases to core deposits | 73.8435% | 1,952 |
| Total domestic deposits to total assets | 91.6703% | 712 |
| Equity capital to assets | 8.0788% | 3,506 |
| Core capital (leverage) ratio | 8.3494% | 4,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4081% | 2,441 |
| Memoranda: |
| Average total assets | $250,848,500 | 2,785 |
| Average earning assets | $240,437,500 | 2,734 |
| Average equity | $20,055,000 | 3,141 |
| Average total loans | $160,154,500 | 2,549 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5174% | 592 |
| Cost of funding earning assets | 0.1574% | 3,896 |
| Net interest margin | 4.3600% | 360 |
| Noninterest income to average assets | 0.1068% | 4,578 |
| Noninterest expense to average assets | 1.6213% | 4,399 |
| Loan and lease loss provision to assets | 0.2145% | 484 |
| Net operating income to assets | 2.4322% | 173 |
| Return on assets (ROA) | 2.4322% | 178 |
| Pretax return on assets | 2.4322% | 283 |
| Return on Equity (ROE) | 30.1648% | 68 |
| Retained earnings to average equity (ytd only) | 11.7671% | 570 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9874% | 4,723 |
| Assets per employee ($millions) | 16.8393% | 160 |
| Cash dividends to net income (ytd only)* | 60.9905% | 1,054 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4694% | 1,666 |
| 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 | 60.9532% | 2,065 |
| Net loans and leases to deposits | 66.3331% | 2,480 |
| Net loans and leases to core deposits | 69.4469% | 2,510 |
| Total domestic deposits to total assets | 91.8896% | 209 |
| Equity capital to assets | 7.9121% | 4,410 |
| Core capital (leverage) ratio | 8.0199% | 4,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6769% | 2,373 |
| Memoranda: |
| Average total assets | $234,928,600 | 2,816 |
| Average earning assets | $224,221,400 | 2,783 |
| Average equity | $18,942,600 | 3,304 |
| Average total loans | $158,811,400 | 2,557 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6052% | 560 |
| Cost of funding earning assets | 0.1816% | 3,799 |
| Net interest margin | 4.4237% | 361 |
| Noninterest income to average assets | 0.1082% | 4,637 |
| Noninterest expense to average assets | 1.5628% | 4,523 |
| Loan and lease loss provision to assets | 0.2186% | 448 |
| Net operating income to assets | 2.5404% | 207 |
| Return on assets (ROA) | 2.5404% | 210 |
| Pretax return on assets | 2.5404% | 323 |
| Return on Equity (ROE) | 31.3449% | 79 |
| Retained earnings to average equity (ytd only) | 14.0595% | 506 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.1617% | 4,808 |
| Assets per employee ($millions) | 16.0837% | 166 |
| Cash dividends to net income (ytd only)* | 55.1457% | 1,008 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4177% | 1,953 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 62.5473% | 1,935 |
| Net loans and leases to deposits | 68.3856% | 2,407 |
| Net loans and leases to core deposits | 72.1421% | 2,413 |
| Total domestic deposits to total assets | 91.4626% | 243 |
| Equity capital to assets | 8.1818% | 4,420 |
| Core capital (leverage) ratio | 8.1446% | 4,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1901% | 2,297 |
| Memoranda: |
| Average total assets | $230,513,500 | 2,873 |
| Average earning assets | $219,570,750 | 2,839 |
| Average equity | $18,682,000 | 3,369 |
| Average total loans | $159,450,000 | 2,586 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5595% | 664 |
| Cost of funding earning assets | 0.2150% | 3,603 |
| Net interest margin | 4.3445% | 456 |
| Noninterest income to average assets | 0.1084% | 4,663 |
| Noninterest expense to average assets | 1.6137% | 4,493 |
| Loan and lease loss provision to assets | 0.2221% | 474 |
| Net operating income to assets | 2.4051% | 244 |
| Return on assets (ROA) | 2.4051% | 263 |
| Pretax return on assets | 2.4051% | 411 |
| Return on Equity (ROE) | 29.7769% | 99 |
| Retained earnings to average equity (ytd only) | 12.4498% | 821 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0507% | 4,802 |
| Assets per employee ($millions) | 14.7561% | 203 |
| Cash dividends to net income (ytd only)* | 58.1898% | 978 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2613% | 2,633 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 67.7706% | 1,477 |
| Net loans and leases to deposits | 73.9060% | 2,010 |
| Net loans and leases to core deposits | 80.2143% | 1,870 |
| Total domestic deposits to total assets | 91.6984% | 192 |
| Equity capital to assets | 8.0145% | 4,524 |
| Core capital (leverage) ratio | 7.9336% | 4,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1403% | 2,309 |
| Memoranda: |
| Average total assets | $226,932,667 | 2,896 |
| Average earning assets | $215,858,000 | 2,864 |
| Average equity | $18,329,667 | 3,400 |
| Average total loans | $161,577,000 | 2,584 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4012% | 911 |
| Cost of funding earning assets | 0.2557% | 3,423 |
| Net interest margin | 4.1455% | 669 |
| Noninterest income to average assets | 0.1061% | 4,653 |
| Noninterest expense to average assets | 1.6532% | 4,461 |
| Loan and lease loss provision to assets | 0.2267% | 503 |
| Net operating income to assets | 2.1642% | 445 |
| Return on assets (ROA) | 2.1642% | 482 |
| Pretax return on assets | 2.1642% | 729 |
| Return on Equity (ROE) | 26.6837% | 212 |
| Retained earnings to average equity (ytd only) | 10.2032% | 1,600 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8808% | 4,719 |
| Assets per employee ($millions) | 14.7874% | 210 |
| Cash dividends to net income (ytd only)* | 61.7623% | 857 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1350% | 3,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 70.6109% | 1,204 |
| Net loans and leases to deposits | 76.7250% | 1,833 |
| Net loans and leases to core deposits | 82.2643% | 1,819 |
| Total domestic deposits to total assets | 92.0312% | 138 |
| Equity capital to assets | 7.7156% | 4,627 |
| Core capital (leverage) ratio | 8.0188% | 4,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8693% | 2,337 |
| Memoranda: |
| Average total assets | $222,350,000 | 2,912 |
| Average earning assets | $211,216,000 | 2,881 |
| Average equity | $18,033,500 | 3,417 |
| Average total loans | $161,341,000 | 2,587 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5978% | 1,100 |
| Cost of funding earning assets | 0.5316% | 2,738 |
| Net interest margin | 4.0662% | 841 |
| Noninterest income to average assets | 0.1040% | 4,730 |
| Noninterest expense to average assets | 1.7625% | 4,529 |
| Loan and lease loss provision to assets | 0.1492% | 2,507 |
| Net operating income to assets | 2.0274% | 249 |
| Return on assets (ROA) | 2.0274% | 265 |
| Pretax return on assets | 2.0274% | 434 |
| Return on Equity (ROE) | 24.5405% | 117 |
| Retained earnings to average equity (ytd only) | 8.7535% | 835 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7436% | 4,767 |
| Assets per employee ($millions) | 12.2413% | 308 |
| Cash dividends to net income (ytd only)* | 64.3304% | 1,169 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1659% | 3,131 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 72.9969% | 1,157 |
| Net loans and leases to deposits | 80.0544% | 1,860 |
| Net loans and leases to core deposits | 89.7054% | 1,551 |
| Total domestic deposits to total assets | 91.1841% | 183 |
| Equity capital to assets | 8.5593% | 4,407 |
| Core capital (leverage) ratio | 8.3387% | 4,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8913% | 2,283 |
| Memoranda: |
| Average total assets | $197,053,800 | 2,966 |
| Average earning assets | $185,849,600 | 2,944 |
| Average equity | $16,279,200 | 3,521 |
| Average total loans | $143,126,000 | 2,720 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3413% | 1,991 |
| Cost of funding earning assets | 0.6032% | 2,590 |
| Net interest margin | 3.7381% | 1,803 |
| Noninterest income to average assets | 0.1036% | 4,748 |
| Noninterest expense to average assets | 1.6827% | 4,649 |
| Loan and lease loss provision to assets | 0.1153% | 2,879 |
| Net operating income to assets | 1.8268% | 426 |
| Return on assets (ROA) | 1.8268% | 475 |
| Pretax return on assets | 1.8268% | 744 |
| Return on Equity (ROE) | 22.3279% | 168 |
| Retained earnings to average equity (ytd only) | 8.6812% | 1,082 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4218% | 4,693 |
| Assets per employee ($millions) | 13.8592% | 208 |
| Cash dividends to net income (ytd only)* | 61.1195% | 1,091 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0104% | 3,663 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 78.5163% | 768 |
| Net loans and leases to deposits | 85.6007% | 1,749 |
| Net loans and leases to core deposits | 96.4157% | 1,420 |
| Total domestic deposits to total assets | 91.7239% | 81 |
| Equity capital to assets | 7.9062% | 4,744 |
| Core capital (leverage) ratio | 7.4571% | 4,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2789% | 2,503 |
| Memoranda: |
| Average total assets | $194,291,750 | 2,968 |
| Average earning assets | $183,011,000 | 2,953 |
| Average equity | $15,896,000 | 3,562 |
| Average total loans | $140,482,500 | 2,752 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4721% | 2,001 |
| Cost of funding earning assets | 0.7058% | 2,348 |
| Net interest margin | 3.7662% | 1,932 |
| Noninterest income to average assets | 0.1117% | 4,734 |
| Noninterest expense to average assets | 1.7053% | 4,676 |
| Loan and lease loss provision to assets | 0.1107% | 2,908 |
| Net operating income to assets | 1.8444% | 458 |
| Return on assets (ROA) | 1.8444% | 503 |
| Pretax return on assets | 1.8444% | 749 |
| Return on Equity (ROE) | 22.2703% | 157 |
| Retained earnings to average equity (ytd only) | 8.9081% | 1,030 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5880% | 4,695 |
| Assets per employee ($millions) | 14.7073% | 179 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,242 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9808% | 3,666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 73.3575% | 1,501 |
| Net loans and leases to deposits | 85.6999% | 1,799 |
| Net loans and leases to core deposits | 99.6595% | 1,282 |
| Total domestic deposits to total assets | 85.5981% | 2,166 |
| Equity capital to assets | 7.3011% | 4,925 |
| Core capital (leverage) ratio | 7.3661% | 4,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0158% | 2,605 |
| Memoranda: |
| Average total assets | $189,759,667 | 2,990 |
| Average earning assets | $178,798,667 | 2,969 |
| Average equity | $15,716,000 | 3,582 |
| Average total loans | $132,346,000 | 2,834 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8795% | 1,245 |
| Cost of funding earning assets | 0.8992% | 1,874 |
| Net interest margin | 3.9803% | 1,440 |
| Noninterest income to average assets | 0.1262% | 4,735 |
| Noninterest expense to average assets | 1.8034% | 4,665 |
| Loan and lease loss provision to assets | 0.0964% | 2,481 |
| Net operating income to assets | 1.9640% | 291 |
| Return on assets (ROA) | 1.9640% | 320 |
| Pretax return on assets | 1.9640% | 493 |
| Return on Equity (ROE) | 22.0611% | 111 |
| Retained earnings to average equity (ytd only) | 8.4533% | 1,111 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6746% | 4,808 |
| Assets per employee ($millions) | 12.1193% | 232 |
| Cash dividends to net income (ytd only)* | 61.6822% | 1,358 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3141% | 2,078 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 63.6183% | 3,111 |
| Net loans and leases to deposits | 69.9123% | 3,598 |
| Net loans and leases to core deposits | 85.8716% | 2,693 |
| Total domestic deposits to total assets | 90.9973% | 108 |
| Equity capital to assets | 8.6424% | 4,776 |
| Core capital (leverage) ratio | 8.7852% | 4,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6439% | 2,425 |
| Memoranda: |
| Average total assets | $174,334,500 | 3,092 |
| Average earning assets | $163,705,500 | 3,073 |
| Average equity | $15,520,500 | 3,609 |
| Average total loans | $116,800,500 | 2,991 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1924% | 1,013 |
| Cost of funding earning assets | 1.0482% | 1,519 |
| Net interest margin | 4.1442% | 1,442 |
| Noninterest income to average assets | 0.1288% | 4,825 |
| Noninterest expense to average assets | 1.8743% | 4,688 |
| Loan and lease loss provision to assets | 0.0695% | 2,617 |
| Net operating income to assets | 2.0392% | 316 |
| Return on assets (ROA) | 2.0392% | 336 |
| Pretax return on assets | 2.0392% | 549 |
| Return on Equity (ROE) | 22.0568% | 136 |
| Retained earnings to average equity (ytd only) | 11.4846% | 281 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0579% | 4,871 |
| Assets per employee ($millions) | 11.1253% | 285 |
| Cash dividends to net income (ytd only)* | 47.9318% | 2,196 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2868% | 1,988 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 68.8591% | 2,561 |
| Net loans and leases to deposits | 76.1123% | 3,166 |
| Net loans and leases to core deposits | 83.4892% | 3,000 |
| Total domestic deposits to total assets | 90.4704% | 200 |
| Equity capital to assets | 9.1862% | 4,580 |
| Core capital (leverage) ratio | 9.0462% | 4,494 |
| Tier 1 risk-based capital ratio | 12.4659% | 4,087 |
| Total risk-based capital ratio | 13.7084% | 3,971 |
| Memoranda: |
| Average total assets | $155,308,200 | 3,237 |
| Average earning assets | $144,442,800 | 3,228 |
| Average equity | $14,358,400 | 3,703 |
| Average total loans | $107,744,800 | 3,122 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1904% | 1,061 |
| Cost of funding earning assets | 1.0454% | 1,557 |
| Net interest margin | 4.1449% | 1,514 |
| Noninterest income to average assets | 0.1338% | 4,863 |
| Noninterest expense to average assets | 1.8572% | 4,752 |
| Loan and lease loss provision to assets | 0.0709% | 2,461 |
| Net operating income to assets | 2.0557% | 358 |
| Return on assets (ROA) | 2.0557% | 370 |
| Pretax return on assets | 2.0557% | 610 |
| Return on Equity (ROE) | 22.1973% | 156 |
| Retained earnings to average equity (ytd only) | 10.6925% | 585 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6184% | 4,911 |
| Assets per employee ($millions) | 11.0845% | 265 |
| Cash dividends to net income (ytd only)* | 51.8297% | 1,593 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3276% | 1,853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 65.7575% | 3,078 |
| Net loans and leases to deposits | 72.5776% | 3,585 |
| Net loans and leases to core deposits | 80.2880% | 3,369 |
| Total domestic deposits to total assets | 90.6031% | 151 |
| Equity capital to assets | 8.9025% | 4,825 |
| Core capital (leverage) ratio | 9.0538% | 4,595 |
| Tier 1 risk-based capital ratio | 12.6492% | 4,062 |
| Total risk-based capital ratio | 13.8994% | 3,928 |
| Memoranda: |
| Average total assets | $152,415,250 | 3,297 |
| Average earning assets | $141,566,750 | 3,292 |
| Average equity | $14,115,500 | 3,769 |
| Average total loans | $105,578,500 | 3,186 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1579% | 1,084 |
| Cost of funding earning assets | 0.9922% | 1,732 |
| Net interest margin | 4.1657% | 1,438 |
| Noninterest income to average assets | 0.1421% | 4,859 |
| Noninterest expense to average assets | 1.8796% | 4,777 |
| Loan and lease loss provision to assets | 0.0731% | 2,355 |
| Net operating income to assets | 2.0528% | 354 |
| Return on assets (ROA) | 2.0528% | 369 |
| Pretax return on assets | 2.0528% | 615 |
| Return on Equity (ROE) | 21.8483% | 169 |
| Retained earnings to average equity (ytd only) | 8.6270% | 1,156 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9257% | 4,942 |
| Assets per employee ($millions) | 10.5575% | 299 |
| Cash dividends to net income (ytd only)* | 60.5142% | 1,397 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3537% | 1,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 66.4461% | 3,046 |
| Net loans and leases to deposits | 73.3471% | 3,567 |
| Net loans and leases to core deposits | 81.3341% | 3,308 |
| Total domestic deposits to total assets | 90.5912% | 178 |
| Equity capital to assets | 9.0059% | 4,793 |
| Core capital (leverage) ratio | 9.5113% | 4,131 |
| Tier 1 risk-based capital ratio | 12.6541% | 4,045 |
| Total risk-based capital ratio | 13.9044% | 3,935 |
| Memoranda: |
| Average total assets | $147,798,000 | 3,379 |
| Average earning assets | $137,071,000 | 3,376 |
| Average equity | $13,886,670 | 3,802 |
| Average total loans | $103,836,670 | 3,227 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2368% | 843 |
| Cost of funding earning assets | 0.9508% | 1,789 |
| Net interest margin | 4.2860% | 1,118 |
| Noninterest income to average assets | 0.1572% | 4,798 |
| Noninterest expense to average assets | 1.8973% | 4,804 |
| Loan and lease loss provision to assets | 0.0758% | 2,167 |
| Net operating income to assets | 2.1443% | 296 |
| Return on assets (ROA) | 2.1443% | 308 |
| Pretax return on assets | 2.1443% | 491 |
| Return on Equity (ROE) | 22.3082% | 167 |
| Retained earnings to average equity (ytd only) | 8.9934% | 1,323 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0804% | 5,024 |
| Assets per employee ($millions) | 10.1063% | 330 |
| Cash dividends to net income (ytd only)* | 59.6859% | 1,360 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3440% | 1,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 73.5122% | 1,896 |
| Net loans and leases to deposits | 81.8565% | 2,617 |
| Net loans and leases to core deposits | 93.1881% | 2,195 |
| Total domestic deposits to total assets | 89.8062% | 526 |
| Equity capital to assets | 9.8157% | 3,999 |
| Core capital (leverage) ratio | 9.7062% | 3,911 |
| Tier 1 risk-based capital ratio | 12.5934% | 4,105 |
| Total risk-based capital ratio | 13.8438% | 3,986 |
| Memoranda: |
| Average total assets | $142,515,500 | 3,497 |
| Average earning assets | $131,683,500 | 3,492 |
| Average equity | $13,699,000 | 3,843 |
| Average total loans | $102,420,000 | 3,281 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0752% | 897 |
| Cost of funding earning assets | 0.7625% | 1,726 |
| Net interest margin | 4.3127% | 1,121 |
| Noninterest income to average assets | 0.1562% | 4,943 |
| Noninterest expense to average assets | 1.9091% | 4,884 |
| Loan and lease loss provision to assets | 0.0788% | 2,551 |
| Net operating income to assets | 2.1530% | 273 |
| Return on assets (ROA) | 1.9741% | 380 |
| Pretax return on assets | 1.9741% | 591 |
| Return on Equity (ROE) | 20.4217% | 230 |
| Retained earnings to average equity (ytd only) | 4.4333% | 3,093 |
| Net charge-offs to loans | -0.1103% | 5,173 |
| Credit loss provision to net charge-offs | -100.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1037% | 5,117 |
| Assets per employee ($millions) | 10.2531% | 322 |
| Cash dividends to net income (ytd only)* | 78.2914% | 759 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3982% | 1,646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 68.2876% | 2,841 |
| Net loans and leases to deposits | 75.6273% | 3,378 |
| Net loans and leases to core deposits | 85.1558% | 2,991 |
| Total domestic deposits to total assets | 90.2949% | 382 |
| Equity capital to assets | 9.4118% | 4,205 |
| Core capital (leverage) ratio | 9.6504% | 3,950 |
| Tier 1 risk-based capital ratio | 12.9519% | 3,875 |
| Total risk-based capital ratio | 14.2034% | 3,758 |
| Memoranda: |
| Average total assets | $136,973,200 | 3,546 |
| Average earning assets | $126,556,400 | 3,554 |
| Average equity | $13,240,800 | 3,849 |
| Average total loans | $97,957,800 | 3,340 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0157% | 919 |
| Cost of funding earning assets | 0.7150% | 1,772 |
| Net interest margin | 4.3007% | 1,110 |
| Noninterest income to average assets | 0.1616% | 4,976 |
| Noninterest expense to average assets | 1.9074% | 4,889 |
| Loan and lease loss provision to assets | 0.1064% | 1,881 |
| Net operating income to assets | 2.1182% | 298 |
| Return on assets (ROA) | 2.1182% | 293 |
| Pretax return on assets | 2.1182% | 466 |
| Return on Equity (ROE) | 21.7604% | 178 |
| Retained earnings to average equity (ytd only) | 8.4309% | 1,456 |
| Net charge-offs to loans | -0.0615% | 5,009 |
| Credit loss provision to net charge-offs | -240.0000% | 4,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1612% | 5,140 |
| Assets per employee ($millions) | 10.0309% | 330 |
| Cash dividends to net income (ytd only)* | 61.2558% | 1,156 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3108% | 2,054 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 71.1442% | 2,471 |
| Net loans and leases to deposits | 80.9886% | 2,929 |
| Net loans and leases to core deposits | 91.4090% | 2,533 |
| Total domestic deposits to total assets | 87.8447% | 1,312 |
| Equity capital to assets | 9.5875% | 4,004 |
| Core capital (leverage) ratio | 10.0160% | 3,617 |
| Tier 1 risk-based capital ratio | 12.7805% | 4,037 |
| Total risk-based capital ratio | 14.0258% | 3,940 |
| Memoranda: |
| Average total assets | $135,330,750 | 3,612 |
| Average earning assets | $124,938,250 | 3,611 |
| Average equity | $13,173,500 | 3,887 |
| Average total loans | $97,594,250 | 3,372 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9491% | 920 |
| Cost of funding earning assets | 0.6292% | 2,052 |
| Net interest margin | 4.3199% | 1,001 |
| Noninterest income to average assets | 0.1661% | 5,000 |
| Noninterest expense to average assets | 1.9307% | 4,918 |
| Loan and lease loss provision to assets | 0.1078% | 1,821 |
| Net operating income to assets | 2.1148% | 305 |
| Return on assets (ROA) | 2.1148% | 301 |
| Pretax return on assets | 2.1148% | 477 |
| Return on Equity (ROE) | 21.6110% | 177 |
| Retained earnings to average equity (ytd only) | 8.5343% | 1,392 |
| Net charge-offs to loans | -0.0623% | 4,991 |
| Credit loss provision to net charge-offs | -240.0000% | 4,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4865% | 5,191 |
| Assets per employee ($millions) | 10.3271% | 287 |
| Cash dividends to net income (ytd only)* | 60.5096% | 1,296 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2935% | 2,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 72.5270% | 2,192 |
| Net loans and leases to deposits | 83.5642% | 2,584 |
| Net loans and leases to core deposits | 92.4963% | 2,355 |
| Total domestic deposits to total assets | 86.7920% | 1,936 |
| Equity capital to assets | 9.8695% | 3,755 |
| Core capital (leverage) ratio | 10.0774% | 3,500 |
| Tier 1 risk-based capital ratio | 12.8536% | 3,982 |
| Total risk-based capital ratio | 14.0830% | 3,903 |
| Memoranda: |
| Average total assets | $133,630,000 | 3,649 |
| Average earning assets | $123,335,670 | 3,652 |
| Average equity | $13,076,670 | 3,921 |
| Average total loans | $96,380,000 | 3,403 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8441% | 991 |
| Cost of funding earning assets | 0.5382% | 2,488 |
| Net interest margin | 4.3059% | 943 |
| Noninterest income to average assets | 0.1590% | 5,067 |
| Noninterest expense to average assets | 1.9172% | 4,998 |
| Loan and lease loss provision to assets | 0.1080% | 1,730 |
| Net operating income to assets | 2.1182% | 283 |
| Return on assets (ROA) | 2.1182% | 284 |
| Pretax return on assets | 2.1182% | 444 |
| Return on Equity (ROE) | 21.7398% | 167 |
| Retained earnings to average equity (ytd only) | 8.8068% | 1,536 |
| Net charge-offs to loans | -0.0630% | 5,068 |
| Credit loss provision to net charge-offs | -240.0000% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2708% | 5,264 |
| Assets per employee ($millions) | 10.2847% | 293 |
| Cash dividends to net income (ytd only)* | 59.4901% | 1,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2738% | 2,377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 71.0114% | 2,325 |
| Net loans and leases to deposits | 78.9514% | 2,922 |
| Net loans and leases to core deposits | 83.4473% | 3,020 |
| Total domestic deposits to total assets | 89.9432% | 679 |
| Equity capital to assets | 9.7389% | 3,850 |
| Core capital (leverage) ratio | 9.9482% | 3,589 |
| Tier 1 risk-based capital ratio | 12.9017% | 4,002 |
| Total risk-based capital ratio | 14.1116% | 3,921 |
| Memoranda: |
| Average total assets | $133,319,000 | 3,689 |
| Average earning assets | $123,365,500 | 3,690 |
| Average equity | $12,990,000 | 3,970 |
| Average total loans | $95,247,500 | 3,440 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7114% | 1,168 |
| Cost of funding earning assets | 0.4757% | 2,540 |
| Net interest margin | 4.2357% | 1,113 |
| Noninterest income to average assets | 0.1753% | 5,082 |
| Noninterest expense to average assets | 1.8591% | 5,179 |
| Loan and lease loss provision to assets | 0.0453% | 3,334 |
| Net operating income to assets | 2.1606% | 206 |
| Return on assets (ROA) | 1.9770% | 300 |
| Pretax return on assets | 1.9770% | 518 |
| Return on Equity (ROE) | 21.1032% | 162 |
| Retained earnings to average equity (ytd only) | 8.1073% | 726 |
| Net charge-offs to loans | -0.0308% | 5,071 |
| Credit loss provision to net charge-offs | -214.2857% | 4,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7334% | 5,401 |
| Assets per employee ($millions) | 10.2259% | 298 |
| Cash dividends to net income (ytd only)* | 61.5826% | 1,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2446% | 2,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 70.0730% | 2,514 |
| Net loans and leases to deposits | 77.8598% | 3,126 |
| Net loans and leases to core deposits | 81.3684% | 3,300 |
| Total domestic deposits to total assets | 89.9990% | 568 |
| Equity capital to assets | 9.7482% | 3,970 |
| Core capital (leverage) ratio | 9.5038% | 4,050 |
| Tier 1 risk-based capital ratio | 13.0263% | 3,888 |
| Total risk-based capital ratio | 14.2237% | 3,823 |
| Memoranda: |
| Average total assets | $132,321,600 | 3,711 |
| Average earning assets | $121,514,400 | 3,717 |
| Average equity | $12,396,200 | 4,070 |
| Average total loans | $90,795,000 | 3,509 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6647% | 1,216 |
| Cost of funding earning assets | 0.4590% | 2,625 |
| Net interest margin | 4.2057% | 1,140 |
| Noninterest income to average assets | 0.1725% | 5,152 |
| Noninterest expense to average assets | 1.8300% | 5,236 |
| Loan and lease loss provision to assets | 0.0605% | 2,872 |
| Net operating income to assets | 2.1366% | 246 |
| Return on assets (ROA) | 2.1366% | 250 |
| Pretax return on assets | 2.1366% | 420 |
| Return on Equity (ROE) | 23.0421% | 105 |
| Retained earnings to average equity (ytd only) | 9.1059% | 811 |
| Net charge-offs to loans | -0.0193% | 4,839 |
| Credit loss provision to net charge-offs | -461.5385% | 4,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4409% | 5,435 |
| Assets per employee ($millions) | 12.2271% | 169 |
| Cash dividends to net income (ytd only)* | 60.4817% | 1,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2217% | 2,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 63.8691% | 3,424 |
| Net loans and leases to deposits | 70.3153% | 3,933 |
| Net loans and leases to core deposits | 73.4040% | 4,029 |
| Total domestic deposits to total assets | 90.8325% | 225 |
| Equity capital to assets | 8.6897% | 5,156 |
| Core capital (leverage) ratio | 9.4878% | 4,182 |
| Tier 1 risk-based capital ratio | 12.9918% | 4,014 |
| Total risk-based capital ratio | 14.1865% | 3,964 |
| Memoranda: |
| Average total assets | $132,167,750 | 3,752 |
| Average earning assets | $121,134,000 | 3,766 |
| Average equity | $12,255,500 | 4,133 |
| Average total loans | $89,912,000 | 3,560 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6693% | 1,119 |
| Cost of funding earning assets | 0.4437% | 2,659 |
| Net interest margin | 4.2256% | 1,022 |
| Noninterest income to average assets | 0.1744% | 5,180 |
| Noninterest expense to average assets | 1.9244% | 5,142 |
| Loan and lease loss provision to assets | 0.0471% | 3,051 |
| Net operating income to assets | 2.0626% | 271 |
| Return on assets (ROA) | 2.0626% | 277 |
| Pretax return on assets | 2.0626% | 479 |
| Return on Equity (ROE) | 21.7192% | 148 |
| Retained earnings to average equity (ytd only) | 8.7836% | 904 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7025% | 5,405 |
| Assets per employee ($millions) | 11.8516% | 181 |
| Cash dividends to net income (ytd only)* | 59.5583% | 1,513 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2147% | 2,930 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 69.6168% | 2,582 |
| Net loans and leases to deposits | 77.3442% | 3,176 |
| Net loans and leases to core deposits | 81.2363% | 3,319 |
| Total domestic deposits to total assets | 90.0091% | 534 |
| Equity capital to assets | 9.5737% | 4,342 |
| Core capital (leverage) ratio | 9.5976% | 4,020 |
| Tier 1 risk-based capital ratio | 13.1971% | 3,882 |
| Total risk-based capital ratio | 14.3951% | 3,822 |
| Memoranda: |
| Average total assets | $127,315,330 | 3,848 |
| Average earning assets | $116,290,330 | 3,878 |
| Average equity | $12,090,670 | 4,168 |
| Average total loans | $88,259,000 | 3,611 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5737% | 1,203 |
| Cost of funding earning assets | 0.4180% | 2,831 |
| Net interest margin | 4.1557% | 1,081 |
| Noninterest income to average assets | 0.1749% | 5,230 |
| Noninterest expense to average assets | 1.9779% | 5,099 |
| Loan and lease loss provision to assets | 0.0477% | 2,860 |
| Net operating income to assets | 1.9429% | 336 |
| Return on assets (ROA) | 1.9429% | 349 |
| Pretax return on assets | 1.9429% | 566 |
| Return on Equity (ROE) | 20.5456% | 209 |
| Retained earnings to average equity (ytd only) | 8.0367% | 1,444 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8397% | 5,382 |
| Assets per employee ($millions) | 11.4515% | 193 |
| Cash dividends to net income (ytd only)* | 60.8838% | 1,400 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2216% | 2,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 70.6741% | 2,264 |
| Net loans and leases to deposits | 84.4481% | 2,228 |
| Net loans and leases to core deposits | 87.2419% | 2,617 |
| Total domestic deposits to total assets | 83.6894% | 3,582 |
| Equity capital to assets | 9.5612% | 4,219 |
| Core capital (leverage) ratio | 9.6155% | 3,971 |
| Tier 1 risk-based capital ratio | 13.3189% | 3,875 |
| Total risk-based capital ratio | 14.5404% | 3,814 |
| Memoranda: |
| Average total assets | $125,789,000 | 3,904 |
| Average earning assets | $114,831,000 | 3,932 |
| Average equity | $11,895,500 | 4,232 |
| Average total loans | $86,451,500 | 3,672 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4778% | 1,606 |
| Cost of funding earning assets | 0.3876% | 3,128 |
| Net interest margin | 4.0902% | 1,401 |
| Noninterest income to average assets | 0.1706% | 5,369 |
| Noninterest expense to average assets | 2.1465% | 4,906 |
| Loan and lease loss provision to assets | 0.0908% | 2,542 |
| Net operating income to assets | 1.7380% | 499 |
| Return on assets (ROA) | 1.7380% | 525 |
| Pretax return on assets | 1.7380% | 918 |
| Return on Equity (ROE) | 17.7963% | 341 |
| Retained earnings to average equity (ytd only) | 7.4266% | 1,066 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9958% | 5,242 |
| Assets per employee ($millions) | 11.4192% | 201 |
| Cash dividends to net income (ytd only)* | 58.2689% | 1,869 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3120% | 2,482 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 65.0341% | 3,213 |
| Net loans and leases to deposits | 72.6760% | 3,640 |
| Net loans and leases to core deposits | 74.9209% | 3,844 |
| Total domestic deposits to total assets | 89.4850% | 868 |
| Equity capital to assets | 9.3519% | 4,425 |
| Core capital (leverage) ratio | 9.5363% | 4,034 |
| Tier 1 risk-based capital ratio | 14.2911% | 3,287 |
| Total risk-based capital ratio | 15.5425% | 3,220 |
| Memoranda: |
| Average total assets | $118,985,000 | 4,014 |
| Average earning assets | $110,679,000 | 3,998 |
| Average equity | $11,620,400 | 4,313 |
| Average total loans | $82,122,000 | 3,759 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4544% | 1,681 |
| Cost of funding earning assets | 0.3837% | 3,194 |
| Net interest margin | 4.0707% | 1,473 |
| Noninterest income to average assets | 0.1739% | 5,405 |
| Noninterest expense to average assets | 2.1705% | 4,845 |
| Loan and lease loss provision to assets | 0.1227% | 1,898 |
| Net operating income to assets | 1.6784% | 619 |
| Return on assets (ROA) | 1.6784% | 660 |
| Pretax return on assets | 1.6784% | 1,181 |
| Return on Equity (ROE) | 16.9930% | 446 |
| Retained earnings to average equity (ytd only) | 7.0411% | 1,610 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6495% | 5,186 |
| Assets per employee ($millions) | 10.2172% | 285 |
| Cash dividends to net income (ytd only)* | 58.5646% | 1,484 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3075% | 2,644 |
| Loan loss allowance to noncurrent loans | 98.7273% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 0.8972% | 2,314 |
| Noncurrent loans to loans | 1.3244% | 1,676 |
| Net loans and leases to total assets | 66.8573% | 2,976 |
| Net loans and leases to deposits | 74.4061% | 3,558 |
| Net loans and leases to core deposits | 76.5676% | 3,782 |
| Total domestic deposits to total assets | 89.8545% | 532 |
| Equity capital to assets | 9.7271% | 4,441 |
| Core capital (leverage) ratio | 9.8314% | 3,772 |
| Tier 1 risk-based capital ratio | 14.0979% | 3,508 |
| Total risk-based capital ratio | 15.3490% | 3,429 |
| Memoranda: |
| Average total assets | $117,328,500 | 4,064 |
| Average earning assets | $109,461,750 | 4,044 |
| Average equity | $11,588,750 | 4,358 |
| Average total loans | $81,958,500 | 3,781 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4784% | 1,581 |
| Cost of funding earning assets | 0.3820% | 3,236 |
| Net interest margin | 4.0964% | 1,374 |
| Noninterest income to average assets | 0.1834% | 5,399 |
| Noninterest expense to average assets | 2.2653% | 4,694 |
| Loan and lease loss provision to assets | 0.1246% | 1,832 |
| Net operating income to assets | 1.6163% | 693 |
| Return on assets (ROA) | 1.6163% | 741 |
| Pretax return on assets | 1.6163% | 1,321 |
| Return on Equity (ROE) | 16.2770% | 502 |
| Retained earnings to average equity (ytd only) | 7.1800% | 1,520 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5443% | 5,075 |
| Assets per employee ($millions) | 10.6195% | 228 |
| Cash dividends to net income (ytd only)* | 55.8887% | 1,704 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2586% | 3,024 |
| Loan loss allowance to noncurrent loans | 583.3333% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 4,896 |
| Noncurrent loans to loans | 0.2158% | 4,576 |
| Net loans and leases to total assets | 70.5181% | 2,398 |
| Net loans and leases to deposits | 78.7065% | 3,087 |
| Net loans and leases to core deposits | 80.3604% | 3,428 |
| Total domestic deposits to total assets | 89.5963% | 638 |
| Equity capital to assets | 10.0622% | 4,148 |
| Core capital (leverage) ratio | 10.0588% | 3,501 |
| Tier 1 risk-based capital ratio | 14.0083% | 3,599 |
| Total risk-based capital ratio | 15.2595% | 3,514 |
| Memoranda: |
| Average total assets | $115,569,330 | 4,128 |
| Average earning assets | $107,852,000 | 4,099 |
| Average equity | $11,476,330 | 4,402 |
| Average total loans | $81,592,330 | 3,806 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4241% | 1,733 |
| Cost of funding earning assets | 0.3832% | 3,265 |
| Net interest margin | 4.0408% | 1,503 |
| Noninterest income to average assets | 0.1636% | 5,517 |
| Noninterest expense to average assets | 2.2410% | 4,802 |
| Loan and lease loss provision to assets | 0.1253% | 1,691 |
| Net operating income to assets | 1.5764% | 738 |
| Return on assets (ROA) | 1.5764% | 775 |
| Pretax return on assets | 1.5764% | 1,359 |
| Return on Equity (ROE) | 15.9824% | 536 |
| Retained earnings to average equity (ytd only) | 6.7740% | 1,993 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8402% | 5,112 |
| Assets per employee ($millions) | 8.7456% | 431 |
| Cash dividends to net income (ytd only)* | 57.6159% | 1,511 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2805% | 3,002 |
| Loan loss allowance to noncurrent loans | 554.0984% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.3562% | 4,144 |
| Noncurrent loans to loans | 0.2311% | 4,604 |
| Net loans and leases to total assets | 68.7571% | 2,534 |
| Net loans and leases to deposits | 76.7310% | 3,137 |
| Net loans and leases to core deposits | 78.5814% | 3,440 |
| Total domestic deposits to total assets | 89.6080% | 781 |
| Equity capital to assets | 10.0789% | 3,974 |
| Core capital (leverage) ratio | 9.9159% | 3,642 |
| Tier 1 risk-based capital ratio | 14.4756% | 3,404 |
| Total risk-based capital ratio | 15.7263% | 3,340 |
| Memoranda: |
| Average total assets | $114,947,000 | 4,167 |
| Average earning assets | $107,503,000 | 4,140 |
| Average equity | $11,337,500 | 4,442 |
| Average total loans | $80,676,000 | 3,840 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6805% | 1,148 |
| Cost of funding earning assets | 0.3747% | 3,429 |
| Net interest margin | 4.3058% | 954 |
| Noninterest income to average assets | 1.7772% | 422 |
| Noninterest expense to average assets | 3.8420% | 817 |
| Loan and lease loss provision to assets | 0.1547% | 1,515 |
| Net operating income to assets | 1.8792% | 419 |
| Return on assets (ROA) | 1.8792% | 430 |
| Pretax return on assets | 1.8792% | 685 |
| Return on Equity (ROE) | 16.9232% | 462 |
| Retained earnings to average equity (ytd only) | -9.7114% | 6,033 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3864% | 4,009 |
| Assets per employee ($millions) | 8.9385% | 393 |
| Cash dividends to net income (ytd only)* | 157.3850% | 148 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1903% | 3,540 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1910% | 4,837 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 69.8686% | 2,382 |
| Net loans and leases to deposits | 77.5627% | 3,096 |
| Net loans and leases to core deposits | 78.9913% | 3,443 |
| Total domestic deposits to total assets | 90.0801% | 600 |
| Equity capital to assets | 9.6522% | 4,369 |
| Core capital (leverage) ratio | 9.9227% | 3,616 |
| Tier 1 risk-based capital ratio | 14.0869% | 3,663 |
| Total risk-based capital ratio | 15.3374% | 3,589 |
| Memoranda: |
| Average total assets | $109,890,000 | 4,262 |
| Average earning assets | $104,604,200 | 4,174 |
| Average equity | $12,202,200 | 4,268 |
| Average total loans | $83,035,400 | 3,742 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6635% | 1,170 |
| Cost of funding earning assets | 0.3753% | 3,486 |
| Net interest margin | 4.2882% | 979 |
| Noninterest income to average assets | 2.1579% | 323 |
| Noninterest expense to average assets | 4.2530% | 514 |
| Loan and lease loss provision to assets | 0.2093% | 940 |
| Net operating income to assets | 1.7886% | 534 |
| Return on assets (ROA) | 1.7886% | 557 |
| Pretax return on assets | 1.7886% | 921 |
| Return on Equity (ROE) | 15.5620% | 656 |
| Retained earnings to average equity (ytd only) | 2.1742% | 4,801 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0386% | 3,531 |
| Assets per employee ($millions) | 8.5878% | 427 |
| Cash dividends to net income (ytd only)* | 86.0294% | 610 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1328% | 4,046 |
| Loan loss allowance to noncurrent loans | 517.4603% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 4,215 |
| Noncurrent loans to loans | 0.2189% | 4,781 |
| Net loans and leases to total assets | 76.4531% | 1,321 |
| Net loans and leases to deposits | 86.6722% | 2,072 |
| Net loans and leases to core deposits | 87.6872% | 2,686 |
| Total domestic deposits to total assets | 88.2095% | 1,450 |
| Equity capital to assets | 11.3507% | 2,646 |
| Core capital (leverage) ratio | 11.4880% | 2,051 |
| Tier 1 risk-based capital ratio | 15.4124% | 3,090 |
| Total risk-based capital ratio | 16.6432% | 3,027 |
| Memoranda: |
| Average total assets | $108,312,250 | 4,336 |
| Average earning assets | $103,381,000 | 4,254 |
| Average equity | $12,448,750 | 4,276 |
| Average total loans | $83,252,750 | 3,775 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5327% | 1,442 |
| Cost of funding earning assets | 0.3654% | 3,644 |
| Net interest margin | 4.1673% | 1,181 |
| Noninterest income to average assets | 2.2649% | 311 |
| Noninterest expense to average assets | 4.0148% | 665 |
| Loan and lease loss provision to assets | 0.3172% | 453 |
| Net operating income to assets | 1.9328% | 412 |
| Return on assets (ROA) | 1.9328% | 429 |
| Pretax return on assets | 1.9328% | 682 |
| Return on Equity (ROE) | 16.7443% | 520 |
| Retained earnings to average equity (ytd only) | 0.5818% | 5,323 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0858% | 4,348 |
| Assets per employee ($millions) | 4.0173% | 3,844 |
| Cash dividends to net income (ytd only)* | 96.5251% | 580 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1792% | 3,909 |
| Loan loss allowance to noncurrent loans | 68.8732% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 1.5341% | 1,594 |
| Noncurrent loans to loans | 1.7121% | 1,509 |
| Net loans and leases to total assets | 75.5619% | 1,426 |
| Net loans and leases to deposits | 85.8173% | 2,074 |
| Net loans and leases to core deposits | 86.5761% | 2,701 |
| Total domestic deposits to total assets | 88.0497% | 1,628 |
| Equity capital to assets | 11.5409% | 2,383 |
| Core capital (leverage) ratio | 11.3490% | 2,120 |
| Tier 1 risk-based capital ratio | 16.0046% | 2,859 |
| Total risk-based capital ratio | 17.2547% | 2,814 |
| Memoranda: |
| Average total assets | $107,202,670 | 4,398 |
| Average earning assets | $102,897,000 | 4,300 |
| Average equity | $12,374,330 | 4,308 |
| Average total loans | $82,226,670 | 3,818 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4939% | 1,483 |
| Cost of funding earning assets | 0.3631% | 3,716 |
| Net interest margin | 4.1308% | 1,205 |
| Noninterest income to average assets | 1.8391% | 402 |
| Noninterest expense to average assets | 3.9448% | 730 |
| Loan and lease loss provision to assets | 0.1689% | 1,184 |
| Net operating income to assets | 1.6965% | 593 |
| Return on assets (ROA) | 1.6965% | 621 |
| Pretax return on assets | 1.6965% | 1,057 |
| Return on Equity (ROE) | 14.6962% | 753 |
| Retained earnings to average equity (ytd only) | -9.6891% | 6,128 |
| Net charge-offs to loans | 0.1173% | 1,577 |
| Credit loss provision to net charge-offs | 187.5000% | 1,091 |
| Earnings coverage of net charge-offs (x) | 20.7083% | 1,404 |
| Efficiency ratio | 67.8941% | 3,843 |
| Assets per employee ($millions) | 3.9936% | 3,972 |
| Cash dividends to net income (ytd only)* | 165.9292% | 316 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0077% | 4,976 |
| Loan loss allowance to noncurrent loans | 50.3641% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 2.0709% | 1,127 |
| Noncurrent loans to loans | 2.0008% | 1,305 |
| Net loans and leases to total assets | 75.6174% | 1,266 |
| Net loans and leases to deposits | 85.6300% | 1,882 |
| Net loans and leases to core deposits | 87.3547% | 2,392 |
| Total domestic deposits to total assets | 88.3072% | 1,655 |
| Equity capital to assets | 11.2968% | 2,651 |
| Core capital (leverage) ratio | 11.3445% | 2,121 |
| Tier 1 risk-based capital ratio | 15.6132% | 3,097 |
| Total risk-based capital ratio | 16.7190% | 3,101 |
| Memoranda: |
| Average total assets | $106,571,000 | 4,446 |
| Average earning assets | $102,450,500 | 4,335 |
| Average equity | $12,302,500 | 4,360 |
| Average total loans | $81,871,500 | 3,832 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4956% | 1,886 |
| Cost of funding earning assets | 0.3806% | 3,898 |
| Net interest margin | 4.1150% | 1,534 |
| Noninterest income to average assets | 1.8316% | 395 |
| Noninterest expense to average assets | 4.0829% | 696 |
| Loan and lease loss provision to assets | 0.1374% | 1,915 |
| Net operating income to assets | 1.5721% | 751 |
| Return on assets (ROA) | 1.5721% | 785 |
| Pretax return on assets | 1.5721% | 1,315 |
| Return on Equity (ROE) | 13.5184% | 1,035 |
| Retained earnings to average equity (ytd only) | 0.3281% | 5,628 |
| Net charge-offs to loans | 0.0169% | 4,529 |
| Credit loss provision to net charge-offs | 1,107.6923% | 254 |
| Earnings coverage of net charge-offs (x) | 137.8462% | 388 |
| Efficiency ratio | 70.4875% | 3,458 |
| Assets per employee ($millions) | 4.0506% | 3,833 |
| Cash dividends to net income (ytd only)* | 97.5728% | 405 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9929% | 5,100 |
| Loan loss allowance to noncurrent loans | 42.8875% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 2.0206% | 1,258 |
| Noncurrent loans to loans | 2.3152% | 1,125 |
| Net loans and leases to total assets | 76.5029% | 1,195 |
| Net loans and leases to deposits | 86.9944% | 1,850 |
| Net loans and leases to core deposits | 89.6446% | 2,319 |
| Total domestic deposits to total assets | 87.9400% | 1,806 |
| Equity capital to assets | 11.7970% | 2,173 |
| Core capital (leverage) ratio | 11.7963% | 1,766 |
| Tier 1 risk-based capital ratio | 16.2849% | 2,817 |
| Total risk-based capital ratio | 17.3828% | 2,841 |
| Memoranda: |
| Average total assets | $104,826,800 | 4,484 |
| Average earning assets | $100,899,600 | 4,372 |
| Average equity | $12,190,800 | 4,323 |
| Average total loans | $76,865,200 | 3,975 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4576% | 2,025 |
| Cost of funding earning assets | 0.3837% | 3,975 |
| Net interest margin | 4.0739% | 1,658 |
| Noninterest income to average assets | 1.7738% | 416 |
| Noninterest expense to average assets | 4.0736% | 705 |
| Loan and lease loss provision to assets | 0.1375% | 1,816 |
| Net operating income to assets | 1.4835% | 972 |
| Return on assets (ROA) | 1.4835% | 1,001 |
| Pretax return on assets | 1.4835% | 1,699 |
| Return on Equity (ROE) | 12.8027% | 1,269 |
| Retained earnings to average equity (ytd only) | -4.8683% | 6,250 |
| Net charge-offs to loans | -0.0370% | 5,808 |
| Credit loss provision to net charge-offs | -514.2857% | 5,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5340% | 3,263 |
| Assets per employee ($millions) | 3.8149% | 4,263 |
| Cash dividends to net income (ytd only)* | 138.0264% | 163 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0205% | 5,119 |
| Loan loss allowance to noncurrent loans | 116.9565% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.9281% | 3,117 |
| Noncurrent loans to loans | 0.8726% | 3,383 |
| Net loans and leases to total assets | 75.9871% | 1,224 |
| Net loans and leases to deposits | 87.9269% | 1,687 |
| Net loans and leases to core deposits | 90.8267% | 2,139 |
| Total domestic deposits to total assets | 86.4208% | 2,630 |
| Equity capital to assets | 11.5773% | 2,409 |
| Core capital (leverage) ratio | 11.2809% | 2,234 |
| Tier 1 risk-based capital ratio | 16.4330% | 2,842 |
| Total risk-based capital ratio | 17.5846% | 2,835 |
| Memoranda: |
| Average total assets | $104,704,750 | 4,527 |
| Average earning assets | $100,769,250 | 4,417 |
| Average equity | $12,132,500 | 4,362 |
| Average total loans | $75,737,250 | 4,042 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3530% | 2,372 |
| Cost of funding earning assets | 0.3907% | 3,987 |
| Net interest margin | 3.9623% | 1,926 |
| Noninterest income to average assets | 1.5636% | 513 |
| Noninterest expense to average assets | 3.9384% | 818 |
| Loan and lease loss provision to assets | 0.1368% | 1,810 |
| Net operating income to assets | 1.3033% | 1,299 |
| Return on assets (ROA) | 1.3033% | 1,349 |
| Pretax return on assets | 1.3033% | 2,243 |
| Return on Equity (ROE) | 11.2444% | 1,647 |
| Retained earnings to average equity (ytd only) | -4.8682% | 6,232 |
| Net charge-offs to loans | -0.0536% | 5,915 |
| Credit loss provision to net charge-offs | -360.0000% | 5,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2250% | 3,117 |
| Assets per employee ($millions) | 3.8064% | 4,239 |
| Cash dividends to net income (ytd only)* | 143.2945% | 243 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9850% | 5,412 |
| Loan loss allowance to noncurrent loans | 270.7746% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.5916% | 4,204 |
| Noncurrent loans to loans | 0.3638% | 4,902 |
| Net loans and leases to total assets | 75.2163% | 1,278 |
| Net loans and leases to deposits | 85.6285% | 1,855 |
| Net loans and leases to core deposits | 89.0402% | 2,209 |
| Total domestic deposits to total assets | 87.8402% | 2,006 |
| Equity capital to assets | 11.7881% | 2,171 |
| Core capital (leverage) ratio | 11.6315% | 1,895 |
| Tier 1 risk-based capital ratio | 17.1145% | 2,573 |
| Total risk-based capital ratio | 18.2452% | 2,576 |
| Memoranda: |
| Average total assets | $105,272,000 | 4,552 |
| Average earning assets | $101,354,330 | 4,430 |
| Average equity | $12,201,670 | 4,360 |
| Average total loans | $74,624,330 | 4,085 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2723% | 2,625 |
| Cost of funding earning assets | 0.3902% | 4,087 |
| Net interest margin | 3.8821% | 2,148 |
| Noninterest income to average assets | 1.5884% | 480 |
| Noninterest expense to average assets | 3.9541% | 801 |
| Loan and lease loss provision to assets | 0.1352% | 1,796 |
| Net operating income to assets | 1.2354% | 1,386 |
| Return on assets (ROA) | 1.2354% | 1,444 |
| Pretax return on assets | 1.2354% | 2,330 |
| Return on Equity (ROE) | 10.7472% | 1,780 |
| Retained earnings to average equity (ytd only) | -11.5639% | 6,405 |
| Net charge-offs to loans | -0.0988% | 6,113 |
| Credit loss provision to net charge-offs | -200.0000% | 4,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2595% | 3,087 |
| Assets per employee ($millions) | 3.7287% | 4,468 |
| Cash dividends to net income (ytd only)* | 207.5988% | 235 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0001% | 5,523 |
| Loan loss allowance to noncurrent loans | 247.7966% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.6647% | 4,128 |
| Noncurrent loans to loans | 0.4036% | 4,923 |
| Net loans and leases to total assets | 69.3131% | 2,011 |
| Net loans and leases to deposits | 78.6098% | 2,471 |
| Net loans and leases to core deposits | 81.6724% | 2,770 |
| Total domestic deposits to total assets | 88.1737% | 2,127 |
| Equity capital to assets | 11.5409% | 2,211 |
| Core capital (leverage) ratio | 11.3145% | 2,123 |
| Tier 1 risk-based capital ratio | 17.8017% | 2,374 |
| Total risk-based capital ratio | 18.9269% | 2,391 |
| Memoranda: |
| Average total assets | $106,521,500 | 4,570 |
| Average earning assets | $102,521,500 | 4,439 |
| Average equity | $12,245,000 | 4,383 |
| Average total loans | $72,901,000 | 4,168 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2126% | 3,305 |
| Cost of funding earning assets | 0.4593% | 4,029 |
| Net interest margin | 3.7533% | 2,832 |
| Noninterest income to average assets | 2.7770% | 246 |
| Noninterest expense to average assets | 4.5990% | 481 |
| Loan and lease loss provision to assets | 0.3275% | 991 |
| Net operating income to assets | 1.3083% | 1,230 |
| Return on assets (ROA) | 1.3083% | 1,269 |
| Pretax return on assets | 1.3083% | 2,116 |
| Return on Equity (ROE) | 12.8257% | 1,201 |
| Retained earnings to average equity (ytd only) | 9.6404% | 640 |
| Net charge-offs to loans | 0.4533% | 1,460 |
| Credit loss provision to net charge-offs | 113.4328% | 2,128 |
| Earnings coverage of net charge-offs (x) | 5.6657% | 3,243 |
| Efficiency ratio | 73.7628% | 3,167 |
| Assets per employee ($millions) | 3.5045% | 4,892 |
| Cash dividends to net income (ytd only)* | 24.8353% | 3,520 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9311% | 5,819 |
| Loan loss allowance to noncurrent loans | 81.8622% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 1.0622% | 3,290 |
| Noncurrent loans to loans | 1.1375% | 3,266 |
| Net loans and leases to total assets | 66.3006% | 2,648 |
| Net loans and leases to deposits | 75.1327% | 3,077 |
| Net loans and leases to core deposits | 77.9341% | 3,372 |
| Total domestic deposits to total assets | 88.2447% | 2,030 |
| Equity capital to assets | 11.4516% | 2,204 |
| Core capital (leverage) ratio | 11.2353% | 2,166 |
| Tier 1 risk-based capital ratio | 18.5405% | 2,068 |
| Total risk-based capital ratio | 19.5976% | 2,090 |
| Memoranda: |
| Average total assets | $116,026,200 | 4,364 |
| Average earning assets | $106,893,800 | 4,340 |
| Average equity | $11,835,600 | 4,478 |
| Average total loans | $73,902,800 | 4,132 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2363% | 3,248 |
| Cost of funding earning assets | 0.4737% | 4,030 |
| Net interest margin | 3.7626% | 2,794 |
| Noninterest income to average assets | 3.1140% | 226 |
| Noninterest expense to average assets | 4.7519% | 420 |
| Loan and lease loss provision to assets | 0.4298% | 677 |
| Net operating income to assets | 1.3641% | 1,190 |
| Return on assets (ROA) | 1.3641% | 1,239 |
| Pretax return on assets | 1.3641% | 2,063 |
| Return on Equity (ROE) | 13.7618% | 1,053 |
| Retained earnings to average equity (ytd only) | 9.4598% | 919 |
| Net charge-offs to loans | 0.2947% | 2,061 |
| Credit loss provision to net charge-offs | 231.7073% | 1,045 |
| Earnings coverage of net charge-offs (x) | 9.6708% | 2,451 |
| Efficiency ratio | 72.5937% | 3,301 |
| Assets per employee ($millions) | 3.7232% | 4,406 |
| Cash dividends to net income (ytd only)* | 31.2601% | 2,642 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2026% | 4,849 |
| Loan loss allowance to noncurrent loans | 150.0885% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.7919% | 4,127 |
| Noncurrent loans to loans | 0.8012% | 4,240 |
| Net loans and leases to total assets | 60.3601% | 3,639 |
| Net loans and leases to deposits | 67.6983% | 4,101 |
| Net loans and leases to core deposits | 70.1115% | 4,312 |
| Total domestic deposits to total assets | 89.1604% | 1,471 |
| Equity capital to assets | 10.5165% | 3,256 |
| Core capital (leverage) ratio | 10.8297% | 2,639 |
| Tier 1 risk-based capital ratio | 18.6832% | 2,084 |
| Total risk-based capital ratio | 19.9332% | 2,056 |
| Memoranda: |
| Average total assets | $117,872,750 | 4,362 |
| Average earning assets | $107,511,750 | 4,368 |
| Average equity | $11,684,250 | 4,557 |
| Average total loans | $74,202,000 | 4,145 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3537% | 2,746 |
| Cost of funding earning assets | 0.4992% | 3,910 |
| Net interest margin | 3.8544% | 2,362 |
| Noninterest income to average assets | 3.0348% | 248 |
| Noninterest expense to average assets | 4.9305% | 373 |
| Loan and lease loss provision to assets | 0.4381% | 668 |
| Net operating income to assets | 1.1138% | 1,881 |
| Return on assets (ROA) | 1.1138% | 1,999 |
| Pretax return on assets | 1.1138% | 3,039 |
| Return on Equity (ROE) | 11.4628% | 1,655 |
| Retained earnings to average equity (ytd only) | 4.9250% | 3,101 |
| Net charge-offs to loans | 0.3951% | 1,633 |
| Credit loss provision to net charge-offs | 174.4966% | 1,356 |
| Earnings coverage of net charge-offs (x) | 6.1812% | 2,759 |
| Efficiency ratio | 76.0593% | 2,778 |
| Assets per employee ($millions) | 3.3673% | 5,135 |
| Cash dividends to net income (ytd only)* | 57.0348% | 1,590 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9948% | 5,847 |
| Loan loss allowance to noncurrent loans | 134.3580% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.6731% | 4,535 |
| Noncurrent loans to loans | 0.7404% | 4,446 |
| Net loans and leases to total assets | 66.5425% | 2,499 |
| Net loans and leases to deposits | 74.7161% | 3,051 |
| Net loans and leases to core deposits | 77.4870% | 3,361 |
| Total domestic deposits to total assets | 89.0605% | 1,596 |
| Equity capital to assets | 10.4662% | 3,350 |
| Core capital (leverage) ratio | 10.0686% | 3,419 |
| Tier 1 risk-based capital ratio | 18.2215% | 2,235 |
| Total risk-based capital ratio | 19.4429% | 2,210 |
| Memoranda: |
| Average total assets | $118,690,670 | 4,376 |
| Average earning assets | $106,163,670 | 4,428 |
| Average equity | $11,533,000 | 4,618 |
| Average total loans | $75,431,000 | 4,121 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3241% | 2,787 |
| Cost of funding earning assets | 0.5386% | 3,690 |
| Net interest margin | 3.7855% | 2,504 |
| Noninterest income to average assets | 2.6062% | 304 |
| Noninterest expense to average assets | 4.8761% | 400 |
| Loan and lease loss provision to assets | 0.1796% | 2,065 |
| Net operating income to assets | 0.8557% | 2,878 |
| Return on assets (ROA) | 0.8557% | 3,008 |
| Pretax return on assets | 0.8557% | 3,933 |
| Return on Equity (ROE) | 9.1253% | 2,427 |
| Retained earnings to average equity (ytd only) | -4.0054% | 6,276 |
| Net charge-offs to loans | -0.0792% | 6,346 |
| Credit loss provision to net charge-offs | -366.6667% | 5,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4862% | 1,966 |
| Assets per employee ($millions) | 3.5835% | 4,814 |
| Cash dividends to net income (ytd only)* | 143.8931% | 374 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9449% | 6,150 |
| Loan loss allowance to noncurrent loans | 159.9089% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.5615% | 4,984 |
| Noncurrent loans to loans | 0.5909% | 4,958 |
| Net loans and leases to total assets | 62.2291% | 3,017 |
| Net loans and leases to deposits | 69.1418% | 3,620 |
| Net loans and leases to core deposits | 71.5144% | 3,880 |
| Total domestic deposits to total assets | 90.0021% | 1,050 |
| Equity capital to assets | 9.6461% | 4,643 |
| Core capital (leverage) ratio | 9.0471% | 4,811 |
| Tier 1 risk-based capital ratio | 17.4128% | 2,597 |
| Total risk-based capital ratio | 18.5577% | 2,606 |
| Memoranda: |
| Average total assets | $122,476,000 | 4,338 |
| Average earning assets | $106,934,500 | 4,448 |
| Average equity | $11,484,500 | 4,678 |
| Average total loans | $75,804,000 | 4,136 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9464% | 1,697 |
| Cost of funding earning assets | 0.5518% | 4,799 |
| Net interest margin | 4.3945% | 1,167 |
| Noninterest income to average assets | 3.1860% | 234 |
| Noninterest expense to average assets | 5.6357% | 259 |
| Loan and lease loss provision to assets | 0.1008% | 4,382 |
| Net operating income to assets | 1.5490% | 836 |
| Return on assets (ROA) | 1.5326% | 947 |
| Pretax return on assets | 1.5326% | 1,582 |
| Return on Equity (ROE) | 13.9804% | 995 |
| Retained earnings to average equity (ytd only) | 13.9804% | 202 |
| Net charge-offs to loans | -0.0392% | 6,661 |
| Credit loss provision to net charge-offs | -373.9130% | 6,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3539% | 2,538 |
| Assets per employee ($millions) | 3.7264% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8174% | 6,454 |
| Loan loss allowance to noncurrent loans | 140.1330% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.8098% | 4,450 |
| Noncurrent loans to loans | 0.5833% | 5,071 |
| Net loans and leases to total assets | 60.5263% | 3,511 |
| Net loans and leases to deposits | 66.9054% | 4,145 |
| Net loans and leases to core deposits | 69.0290% | 4,436 |
| Total domestic deposits to total assets | 90.4654% | 722 |
| Equity capital to assets | 9.1257% | 5,366 |
| Core capital (leverage) ratio | 12.1671% | 1,470 |
| Tier 1 risk-based capital ratio | 17.0110% | 2,648 |
| Total risk-based capital ratio | 18.0114% | 2,732 |
| Memoranda: |
| Average total assets | $85,278,200 | 5,206 |
| Average earning assets | $79,553,400 | 5,139 |
| Average equity | $9,348,800 | 5,138 |
| Average total loans | $58,659,400 | 4,767 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3606% | 902 |
| Cost of funding earning assets | 0.5911% | 4,736 |
| Net interest margin | 4.7694% | 588 |
| Noninterest income to average assets | 3.6285% | 198 |
| Noninterest expense to average assets | 5.9579% | 214 |
| Loan and lease loss provision to assets | 0.1103% | 4,191 |
| Net operating income to assets | 2.1835% | 292 |
| Return on assets (ROA) | 2.1835% | 329 |
| Pretax return on assets | 2.1835% | 492 |
| Return on Equity (ROE) | 18.6000% | 431 |
| Retained earnings to average equity (ytd only) | 18.6000% | 104 |
| Net charge-offs to loans | -0.0395% | 6,646 |
| Credit loss provision to net charge-offs | -387.5000% | 6,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2019% | 3,287 |
| Assets per employee ($millions) | 3.0652% | 5,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0373% | 5,943 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1240% | 6,411 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 75.0728% | 1,106 |
| Net loans and leases to deposits | 89.8049% | 1,170 |
| Net loans and leases to core deposits | 94.8416% | 1,503 |
| Total domestic deposits to total assets | 83.5954% | 4,391 |
| Equity capital to assets | 12.2979% | 2,045 |
| Core capital (leverage) ratio | 11.8742% | 1,731 |
| Tier 1 risk-based capital ratio | 19.8095% | 1,809 |
| Total risk-based capital ratio | 21.0613% | 1,779 |
| Memoranda: |
| Average total assets | $74,923,500 | 5,548 |
| Average earning assets | $72,627,500 | 5,413 |
| Average equity | $8,795,500 | 5,328 |
| Average total loans | $53,995,000 | 4,994 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4761% | 756 |
| Cost of funding earning assets | 0.6226% | 4,694 |
| Net interest margin | 4.8535% | 513 |
| Noninterest income to average assets | 3.4833% | 208 |
| Noninterest expense to average assets | 5.8369% | 233 |
| Loan and lease loss provision to assets | 0.1049% | 4,214 |
| Net operating income to assets | 2.2595% | 258 |
| Return on assets (ROA) | 2.2595% | 292 |
| Pretax return on assets | 2.2595% | 448 |
| Return on Equity (ROE) | 19.5667% | 381 |
| Retained earnings to average equity (ytd only) | 19.5667% | 115 |
| Net charge-offs to loans | -0.0152% | 6,370 |
| Credit loss provision to net charge-offs | -975.0000% | 6,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1709% | 3,573 |
| Assets per employee ($millions) | 2.9232% | 6,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0136% | 6,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 6,478 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 72.8577% | 1,413 |
| Net loans and leases to deposits | 83.2491% | 1,950 |
| Net loans and leases to core deposits | 88.3637% | 2,169 |
| Total domestic deposits to total assets | 87.5176% | 2,455 |
| Equity capital to assets | 11.8890% | 2,235 |
| Core capital (leverage) ratio | 11.3861% | 1,979 |
| Tier 1 risk-based capital ratio | 19.0662% | 1,950 |
| Total risk-based capital ratio | 20.3164% | 1,932 |
| Memoranda: |
| Average total assets | $74,354,330 | 5,596 |
| Average earning assets | $72,277,670 | 5,449 |
| Average equity | $8,586,000 | 5,389 |
| Average total loans | $52,616,000 | 5,076 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4574% | 819 |
| Cost of funding earning assets | 0.6430% | 4,796 |
| Net interest margin | 4.8144% | 549 |
| Noninterest income to average assets | 2.6928% | 275 |
| Noninterest expense to average assets | 5.2713% | 306 |
| Loan and lease loss provision to assets | 0.0870% | 4,290 |
| Net operating income to assets | 2.0182% | 404 |
| Return on assets (ROA) | 2.0182% | 466 |
| Pretax return on assets | 2.0182% | 714 |
| Return on Equity (ROE) | 17.7491% | 577 |
| Retained earnings to average equity (ytd only) | 17.7491% | 270 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4602% | 3,540 |
| Assets per employee ($millions) | 3.1114% | 5,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0389% | 6,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 6,573 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 68.8861% | 1,959 |
| Net loans and leases to deposits | 77.9158% | 2,527 |
| Net loans and leases to core deposits | 83.4266% | 2,619 |
| Total domestic deposits to total assets | 88.4110% | 2,064 |
| Equity capital to assets | 11.3734% | 2,554 |
| Core capital (leverage) ratio | 10.9660% | 2,287 |
| Tier 1 risk-based capital ratio | 18.9293% | 2,016 |
| Total risk-based capital ratio | 20.1794% | 1,972 |
| Memoranda: |
| Average total assets | $73,530,000 | 5,662 |
| Average earning assets | $71,535,500 | 5,514 |
| Average equity | $8,361,000 | 5,483 |
| Average total loans | $50,953,500 | 5,190 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2061% | 2,033 |
| Cost of funding earning assets | 0.8245% | 4,679 |
| Net interest margin | 4.3816% | 1,441 |
| Noninterest income to average assets | 2.2199% | 324 |
| Noninterest expense to average assets | 4.9934% | 381 |
| Loan and lease loss provision to assets | 0.0311% | 6,177 |
| Net operating income to assets | 1.4037% | 1,025 |
| Return on assets (ROA) | 1.4037% | 1,107 |
| Pretax return on assets | 1.4037% | 1,780 |
| Return on Equity (ROE) | 13.3727% | 1,072 |
| Retained earnings to average equity (ytd only) | 8.0082% | 1,075 |
| Net charge-offs to loans | 0.1117% | 5,256 |
| Credit loss provision to net charge-offs | 44.2308% | 5,548 |
| Earnings coverage of net charge-offs (x) | 20.3846% | 1,133 |
| Efficiency ratio | 77.6795% | 2,635 |
| Assets per employee ($millions) | 3.1472% | 5,813 |
| Cash dividends to net income (ytd only)* | 40.1157% | 2,587 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0495% | 6,000 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6949% | 5,256 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 68.2494% | 2,344 |
| Net loans and leases to deposits | 77.4087% | 2,936 |
| Net loans and leases to core deposits | 83.0749% | 3,011 |
| Total domestic deposits to total assets | 88.1676% | 2,044 |
| Equity capital to assets | 11.3682% | 2,621 |
| Core capital (leverage) ratio | 10.5573% | 2,653 |
| Tier 1 risk-based capital ratio | 17.9524% | 2,205 |
| Total risk-based capital ratio | 19.2036% | 2,181 |
| Memoranda: |
| Average total assets | $73,877,600 | 5,647 |
| Average earning assets | $70,955,400 | 5,506 |
| Average equity | $7,754,600 | 5,641 |
| Average total loans | $46,539,000 | 5,398 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0901% | 2,647 |
| Cost of funding earning assets | 0.8662% | 4,660 |
| Net interest margin | 4.2239% | 2,007 |
| Noninterest income to average assets | 2.0399% | 369 |
| Noninterest expense to average assets | 4.7424% | 467 |
| Loan and lease loss provision to assets | 0.0413% | 5,919 |
| Net operating income to assets | 1.3019% | 1,370 |
| Return on assets (ROA) | 1.3019% | 1,462 |
| Pretax return on assets | 1.3019% | 2,281 |
| Return on Equity (ROE) | 12.6590% | 1,370 |
| Retained earnings to average equity (ytd only) | 7.5779% | 1,672 |
| Net charge-offs to loans | 0.0263% | 5,775 |
| Credit loss provision to net charge-offs | 255.5556% | 1,119 |
| Earnings coverage of net charge-offs (x) | 83.1092% | 433 |
| Efficiency ratio | 77.9286% | 2,557 |
| Assets per employee ($millions) | 2.9910% | 6,137 |
| Cash dividends to net income (ytd only)* | 40.1380% | 2,023 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1780% | 5,554 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8637% | 5,022 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 66.2650% | 2,838 |
| Net loans and leases to deposits | 75.1786% | 3,478 |
| Net loans and leases to core deposits | 80.2941% | 3,593 |
| Total domestic deposits to total assets | 88.1434% | 1,960 |
| Equity capital to assets | 11.2534% | 2,908 |
| Core capital (leverage) ratio | 10.5790% | 2,780 |
| Tier 1 risk-based capital ratio | 18.2014% | 2,188 |
| Total risk-based capital ratio | 19.4532% | 2,151 |
| Memoranda: |
| Average total assets | $74,250,500 | 5,674 |
| Average earning assets | $71,117,000 | 5,546 |
| Average equity | $7,636,000 | 5,711 |
| Average total loans | $45,692,000 | 5,482 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0066% | 3,126 |
| Cost of funding earning assets | 0.9321% | 4,442 |
| Net interest margin | 4.0745% | 2,515 |
| Noninterest income to average assets | 1.7237% | 453 |
| Noninterest expense to average assets | 4.4703% | 615 |
| Loan and lease loss provision to assets | 0.0613% | 5,539 |
| Net operating income to assets | 1.0816% | 1,928 |
| Return on assets (ROA) | 1.0816% | 2,026 |
| Pretax return on assets | 1.0816% | 2,926 |
| Return on Equity (ROE) | 10.8430% | 1,849 |
| Retained earnings to average equity (ytd only) | 6.4631% | 2,162 |
| Net charge-offs to loans | 0.0401% | 5,290 |
| Credit loss provision to net charge-offs | 255.5556% | 1,185 |
| Earnings coverage of net charge-offs (x) | 47.6667% | 648 |
| Efficiency ratio | 79.6393% | 2,444 |
| Assets per employee ($millions) | 3.2381% | 5,552 |
| Cash dividends to net income (ytd only)* | 40.3941% | 2,053 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2600% | 5,256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5702% | 2,594 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 62.3703% | 3,818 |
| Net loans and leases to deposits | 70.4264% | 4,380 |
| Net loans and leases to core deposits | 74.7875% | 4,469 |
| Total domestic deposits to total assets | 88.5610% | 1,810 |
| Equity capital to assets | 10.8662% | 3,105 |
| Core capital (leverage) ratio | 10.3089% | 2,924 |
| Tier 1 risk-based capital ratio | 17.6950% | 2,269 |
| Total risk-based capital ratio | 18.9458% | 2,234 |
| Memoranda: |
| Average total assets | $75,073,000 | 5,688 |
| Average earning assets | $71,665,330 | 5,566 |
| Average equity | $7,488,670 | 5,774 |
| Average total loans | $44,878,000 | 5,568 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9359% | 3,380 |
| Cost of funding earning assets | 0.9666% | 4,454 |
| Net interest margin | 3.9694% | 2,828 |
| Noninterest income to average assets | 1.3456% | 713 |
| Noninterest expense to average assets | 4.3174% | 709 |
| Loan and lease loss provision to assets | 0.1195% | 4,518 |
| Net operating income to assets | 0.7066% | 3,492 |
| Return on assets (ROA) | 0.7066% | 3,561 |
| Pretax return on assets | 0.7066% | 4,282 |
| Return on Equity (ROE) | 7.3888% | 3,204 |
| Retained earnings to average equity (ytd only) | 4.4550% | 3,505 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9394% | 1,963 |
| Assets per employee ($millions) | 3.1405% | 5,855 |
| Cash dividends to net income (ytd only)* | 39.7059% | 1,755 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2916% | 5,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.4293% | 2,800 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 58.4023% | 4,576 |
| Net loans and leases to deposits | 65.5084% | 5,043 |
| Net loans and leases to core deposits | 69.5601% | 5,103 |
| Total domestic deposits to total assets | 89.1525% | 1,675 |
| Equity capital to assets | 9.8299% | 3,990 |
| Core capital (leverage) ratio | 9.2864% | 4,140 |
| Tier 1 risk-based capital ratio | 17.7180% | 2,211 |
| Total risk-based capital ratio | 18.9714% | 2,178 |
| Memoranda: |
| Average total assets | $76,990,000 | 5,669 |
| Average earning assets | $73,664,000 | 5,550 |
| Average equity | $7,362,500 | 5,819 |
| Average total loans | $44,817,500 | 5,620 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5412% | 2,121 |
| Cost of funding earning assets | 1.3993% | 3,273 |
| Net interest margin | 4.1419% | 2,402 |
| Noninterest income to average assets | 1.6332% | 547 |
| Noninterest expense to average assets | 4.0258% | 1,127 |
| Loan and lease loss provision to assets | 0.2680% | 4,659 |
| Net operating income to assets | 1.2605% | 1,264 |
| Return on assets (ROA) | 1.2605% | 1,334 |
| Pretax return on assets | 1.2605% | 2,039 |
| Return on Equity (ROE) | 14.4360% | 805 |
| Retained earnings to average equity (ytd only) | 8.6488% | 801 |
| Net charge-offs to loans | 0.3771% | 4,154 |
| Credit loss provision to net charge-offs | 110.9827% | 3,963 |
| Earnings coverage of net charge-offs (x) | 6.3295% | 2,382 |
| Efficiency ratio | 72.4805% | 3,706 |
| Assets per employee ($millions) | 3.4177% | 5,133 |
| Cash dividends to net income (ytd only)* | 40.0886% | 2,599 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2278% | 5,377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.2186% | 3,072 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 56.5935% | 5,245 |
| Net loans and leases to deposits | 63.1586% | 5,725 |
| Net loans and leases to core deposits | 66.7052% | 5,810 |
| Total domestic deposits to total assets | 89.6054% | 1,322 |
| Equity capital to assets | 9.3069% | 4,679 |
| Core capital (leverage) ratio | 9.4902% | 3,714 |
| Tier 1 risk-based capital ratio | 17.4881% | 2,180 |
| Total risk-based capital ratio | 18.7392% | 2,145 |
| Memoranda: |
| Average total assets | $71,638,600 | 5,830 |
| Average earning assets | $67,819,600 | 5,742 |
| Average equity | $6,255,200 | 6,286 |
| Average total loans | $45,879,200 | 5,654 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5370% | 2,302 |
| Cost of funding earning assets | 1.5248% | 2,808 |
| Net interest margin | 4.0122% | 3,044 |
| Noninterest income to average assets | 1.2895% | 829 |
| Noninterest expense to average assets | 3.7426% | 1,490 |
| Loan and lease loss provision to assets | 0.2251% | 4,814 |
| Net operating income to assets | 1.1064% | 1,866 |
| Return on assets (ROA) | 1.1064% | 1,970 |
| Pretax return on assets | 1.1064% | 2,803 |
| Return on Equity (ROE) | 12.9100% | 1,279 |
| Retained earnings to average equity (ytd only) | 7.7239% | 1,508 |
| Net charge-offs to loans | 0.4918% | 3,308 |
| Credit loss provision to net charge-offs | 69.4118% | 5,436 |
| Earnings coverage of net charge-offs (x) | 4.1059% | 3,189 |
| Efficiency ratio | 73.7594% | 3,369 |
| Assets per employee ($millions) | 3.2918% | 5,487 |
| Cash dividends to net income (ytd only)* | 40.1728% | 2,088 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9498% | 6,568 |
| Loan loss allowance to noncurrent loans | 985.7143% | 372 |
| Noncurrent assets plus other real estate owned to assets | 2.4250% | 2,947 |
| Noncurrent loans to loans | 0.0964% | 6,992 |
| Net loans and leases to total assets | 66.5319% | 3,567 |
| Net loans and leases to deposits | 74.6097% | 4,414 |
| Net loans and leases to core deposits | 79.2960% | 4,618 |
| Total domestic deposits to total assets | 89.1733% | 1,300 |
| Equity capital to assets | 9.5165% | 4,817 |
| Core capital (leverage) ratio | 9.4546% | 3,973 |
| Tier 1 risk-based capital ratio | 15.3729% | 3,062 |
| Total risk-based capital ratio | 16.4831% | 3,102 |
| Memoranda: |
| Average total assets | $69,896,250 | 5,946 |
| Average earning assets | $65,930,750 | 5,861 |
| Average equity | $5,990,000 | 6,448 |
| Average total loans | $46,089,000 | 5,727 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3946% | 2,995 |
| Cost of funding earning assets | 1.6015% | 2,645 |
| Net interest margin | 3.7931% | 3,925 |
| Noninterest income to average assets | 0.6092% | 3,270 |
| Noninterest expense to average assets | 3.1402% | 3,142 |
| Loan and lease loss provision to assets | 0.2178% | 4,708 |
| Net operating income to assets | 0.8270% | 2,837 |
| Return on assets (ROA) | 0.8270% | 2,991 |
| Pretax return on assets | 0.8270% | 3,793 |
| Return on Equity (ROE) | 10.0627% | 2,088 |
| Retained earnings to average equity (ytd only) | 6.0519% | 2,308 |
| Net charge-offs to loans | 0.5213% | 2,969 |
| Credit loss provision to net charge-offs | 63.7931% | 5,121 |
| Earnings coverage of net charge-offs (x) | 3.0603% | 3,473 |
| Efficiency ratio | 75.0352% | 3,254 |
| Assets per employee ($millions) | 3.3861% | 5,229 |
| Cash dividends to net income (ytd only)* | 39.8577% | 2,091 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0468% | 6,191 |
| Loan loss allowance to noncurrent loans | 101.8634% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 2.8858% | 2,492 |
| Noncurrent loans to loans | 1.0277% | 5,250 |
| Net loans and leases to total assets | 65.4033% | 3,964 |
| Net loans and leases to deposits | 73.8206% | 4,705 |
| Net loans and leases to core deposits | 78.8495% | 4,825 |
| Total domestic deposits to total assets | 88.5976% | 1,681 |
| Equity capital to assets | 8.0511% | 6,699 |
| Core capital (leverage) ratio | 8.0943% | 6,129 |
| Tier 1 risk-based capital ratio | 12.3074% | 5,035 |
| Total risk-based capital ratio | 13.4362% | 5,113 |
| Memoranda: |
| Average total assets | $67,958,000 | 6,041 |
| Average earning assets | $64,064,000 | 5,958 |
| Average equity | $5,585,000 | 6,590 |
| Average total loans | $44,500,330 | 5,838 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3639% | 3,222 |
| Cost of funding earning assets | 1.6726% | 2,527 |
| Net interest margin | 3.6913% | 4,289 |
| Noninterest income to average assets | 0.1747% | 6,716 |
| Noninterest expense to average assets | 2.4344% | 5,973 |
| Loan and lease loss provision to assets | 0.1928% | 4,572 |
| Net operating income to assets | 1.0183% | 2,118 |
| Return on assets (ROA) | 1.0183% | 2,179 |
| Pretax return on assets | 1.0183% | 3,021 |
| Return on Equity (ROE) | 12.2575% | 1,427 |
| Retained earnings to average equity (ytd only) | 7.3980% | 1,975 |
| Net charge-offs to loans | 1.1375% | 1,480 |
| Credit loss provision to net charge-offs | 26.0163% | 4,873 |
| Earnings coverage of net charge-offs (x) | 1.6341% | 3,753 |
| Efficiency ratio | 66.7769% | 4,957 |
| Assets per employee ($millions) | 5.5758% | 1,599 |
| Cash dividends to net income (ytd only)* | 39.6450% | 1,773 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0179% | 6,371 |
| Loan loss allowance to noncurrent loans | 134.9544% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 2.8143% | 2,582 |
| Noncurrent loans to loans | 0.7542% | 5,818 |
| Net loans and leases to total assets | 64.5309% | 4,210 |
| Net loans and leases to deposits | 73.4240% | 4,836 |
| Net loans and leases to core deposits | 79.1454% | 4,874 |
| Total domestic deposits to total assets | 87.8880% | 2,125 |
| Equity capital to assets | 8.3173% | 6,279 |
| Core capital (leverage) ratio | 8.1165% | 6,043 |
| Tier 1 risk-based capital ratio | 12.8149% | 4,469 |
| Total risk-based capital ratio | 13.8930% | 4,575 |
| Memoranda: |
| Average total assets | $66,383,000 | 6,156 |
| Average earning assets | $62,417,500 | 6,065 |
| Average equity | $5,515,000 | 6,669 |
| Average total loans | $43,251,000 | 5,972 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7362% | 2,927 |
| Cost of funding earning assets | 2.0719% | 2,615 |
| Net interest margin | 3.6643% | 4,288 |
| Noninterest income to average assets | 0.1763% | 6,820 |
| Noninterest expense to average assets | 2.8965% | 4,539 |
| Loan and lease loss provision to assets | 0.3232% | 4,876 |
| Net operating income to assets | 0.4438% | 3,957 |
| Return on assets (ROA) | 0.4438% | 4,075 |
| Pretax return on assets | 0.4438% | 4,368 |
| Return on Equity (ROE) | 5.4886% | 3,431 |
| Retained earnings to average equity (ytd only) | 0.6693% | 4,529 |
| Net charge-offs to loans | 0.2318% | 5,164 |
| Credit loss provision to net charge-offs | 209.0000% | 1,840 |
| Earnings coverage of net charge-offs (x) | 4.9600% | 2,739 |
| Efficiency ratio | 76.7412% | 3,401 |
| Assets per employee ($millions) | 6.5857% | 954 |
| Cash dividends to net income (ytd only)* | 87.8049% | 922 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2476% | 5,071 |
| Loan loss allowance to noncurrent loans | 117.3246% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 3.0521% | 2,284 |
| Noncurrent loans to loans | 1.0634% | 5,195 |
| Net loans and leases to total assets | 64.2999% | 4,537 |
| Net loans and leases to deposits | 76.3335% | 4,678 |
| Net loans and leases to core deposits | 87.6565% | 5,365 |
| Total domestic deposits to total assets | 84.2355% | 3,923 |
| Equity capital to assets | 8.2983% | 6,198 |
| Core capital (leverage) ratio | 8.0251% | 6,133 |
| Tier 1 risk-based capital ratio | 11.9385% | 4,999 |
| Total risk-based capital ratio | 13.1624% | 4,975 |
| Memoranda: |
| Average total assets | $64,663,400 | 6,177 |
| Average earning assets | $61,539,200 | 6,078 |
| Average equity | $5,229,000 | 6,861 |
| Average total loans | $43,143,600 | 5,972 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8210% | 2,794 |
| Cost of funding earning assets | 2.1489% | 2,655 |
| Net interest margin | 3.6721% | 4,194 |
| Noninterest income to average assets | 0.1740% | 6,969 |
| Noninterest expense to average assets | 2.9912% | 4,079 |
| Loan and lease loss provision to assets | 0.3501% | 4,222 |
| Net operating income to assets | 0.3335% | 4,665 |
| Return on assets (ROA) | 0.3335% | 4,764 |
| Pretax return on assets | 0.3335% | 4,970 |
| Return on Equity (ROE) | 4.1520% | 4,323 |
| Retained earnings to average equity (ytd only) | -0.6447% | 5,391 |
| Net charge-offs to loans | 0.3363% | 3,955 |
| Credit loss provision to net charge-offs | 155.0459% | 3,085 |
| Earnings coverage of net charge-offs (x) | 3.0275% | 3,717 |
| Efficiency ratio | 78.2976% | 3,117 |
| Assets per employee ($millions) | 6.6254% | 934 |
| Cash dividends to net income (ytd only)* | 115.5269% | 440 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1147% | 5,635 |
| Loan loss allowance to noncurrent loans | 194.0000% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 2.7229% | 2,548 |
| Noncurrent loans to loans | 0.5746% | 6,167 |
| Net loans and leases to total assets | 64.9395% | 4,663 |
| Net loans and leases to deposits | 75.6989% | 5,096 |
| Net loans and leases to core deposits | 85.5436% | 5,910 |
| Total domestic deposits to total assets | 85.7865% | 2,813 |
| Equity capital to assets | 8.1157% | 6,725 |
| Core capital (leverage) ratio | 8.2235% | 5,976 |
| Tier 1 risk-based capital ratio | 11.6768% | 5,263 |
| Total risk-based capital ratio | 12.7806% | 5,355 |
| Memoranda: |
| Average total assets | $64,365,000 | 6,236 |
| Average earning assets | $61,362,000 | 6,131 |
| Average equity | $5,170,000 | 6,944 |
| Average total loans | $43,209,250 | 6,012 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7598% | 3,250 |
| Cost of funding earning assets | 2.2403% | 2,623 |
| Net interest margin | 3.5195% | 4,707 |
| Noninterest income to average assets | 0.1726% | 7,055 |
| Noninterest expense to average assets | 2.9591% | 4,257 |
| Loan and lease loss provision to assets | 0.4111% | 3,471 |
| Net operating income to assets | 0.1695% | 5,354 |
| Return on assets (ROA) | 0.1695% | 5,461 |
| Pretax return on assets | 0.1695% | 5,542 |
| Return on Equity (ROE) | 2.1172% | 5,256 |
| Retained earnings to average equity (ytd only) | 1.2547% | 4,650 |
| Net charge-offs to loans | -0.0046% | 7,523 |
| Credit loss provision to net charge-offs | -13,100.0000% | 7,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4965% | 2,963 |
| Assets per employee ($millions) | 6.2755% | 1,063 |
| Cash dividends to net income (ytd only)* | 40.7407% | 2,408 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2805% | 4,391 |
| Loan loss allowance to noncurrent loans | 44.9919% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 3.8738% | 1,556 |
| Noncurrent loans to loans | 2.8460% | 2,533 |
| Net loans and leases to total assets | 68.4296% | 4,080 |
| Net loans and leases to deposits | 81.6097% | 4,284 |
| Net loans and leases to core deposits | 93.8686% | 5,131 |
| Total domestic deposits to total assets | 83.8499% | 3,843 |
| Equity capital to assets | 8.1571% | 6,549 |
| Core capital (leverage) ratio | 7.9176% | 6,459 |
| Tier 1 risk-based capital ratio | 10.9156% | 5,967 |
| Total risk-based capital ratio | 12.1489% | 5,927 |
| Memoranda: |
| Average total assets | $63,735,330 | 6,307 |
| Average earning assets | $60,974,670 | 6,186 |
| Average equity | $5,101,000 | 7,024 |
| Average total loans | $43,109,000 | 6,060 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7243% | 3,677 |
| Cost of funding earning assets | 2.3273% | 2,591 |
| Net interest margin | 3.3970% | 5,150 |
| Noninterest income to average assets | 0.1744% | 7,060 |
| Noninterest expense to average assets | 3.0206% | 3,672 |
| Loan and lease loss provision to assets | 0.3114% | 3,476 |
| Net operating income to assets | 0.1059% | 5,963 |
| Return on assets (ROA) | 0.1059% | 6,128 |
| Pretax return on assets | 0.1059% | 6,155 |
| Return on Equity (ROE) | 1.3354% | 6,029 |
| Retained earnings to average equity (ytd only) | 1.3354% | 5,101 |
| Net charge-offs to loans | -0.0093% | 7,265 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7826% | 2,212 |
| Assets per employee ($millions) | 6.4982% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0920% | 5,526 |
| Loan loss allowance to noncurrent loans | 38.1716% | 6,004 |
| Noncurrent assets plus other real estate owned to assets | 3.7549% | 1,407 |
| Noncurrent loans to loans | 2.8608% | 2,286 |
| Net loans and leases to total assets | 66.3461% | 4,501 |
| Net loans and leases to deposits | 78.5229% | 4,845 |
| Net loans and leases to core deposits | 90.2021% | 5,535 |
| Total domestic deposits to total assets | 84.4926% | 3,463 |
| Equity capital to assets | 7.8437% | 7,009 |
| Core capital (leverage) ratio | 7.7892% | 6,764 |
| Tier 1 risk-based capital ratio | 10.5380% | 6,358 |
| Total risk-based capital ratio | 11.5712% | 6,494 |
| Memoranda: |
| Average total assets | $64,225,500 | 6,321 |
| Average earning assets | $61,702,000 | 6,185 |
| Average equity | $5,092,000 | 7,080 |
| Average total loans | $42,913,500 | 6,095 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6732% | 2,138 |
| Cost of funding earning assets | 2.6646% | 3,341 |
| Net interest margin | 4.0086% | 3,072 |
| Noninterest income to average assets | 0.1835% | 7,133 |
| Noninterest expense to average assets | 3.1416% | 3,546 |
| Loan and lease loss provision to assets | 0.1610% | 5,318 |
| Net operating income to assets | 0.7270% | 3,769 |
| Return on assets (ROA) | 0.7564% | 3,473 |
| Pretax return on assets | 0.7564% | 4,226 |
| Return on Equity (ROE) | 8.9362% | 2,661 |
| Retained earnings to average equity (ytd only) | 8.9362% | 621 |
| Net charge-offs to loans | 0.0318% | 6,377 |
| Credit loss provision to net charge-offs | 715.3846% | 584 |
| Earnings coverage of net charge-offs (x) | 39.4615% | 946 |
| Efficiency ratio | 75.1718% | 3,376 |
| Assets per employee ($millions) | 5.2891% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0062% | 5,978 |
| Loan loss allowance to noncurrent loans | 49.6495% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 1.3487% | 3,515 |
| Noncurrent loans to loans | 2.0266% | 2,732 |
| Net loans and leases to total assets | 65.8794% | 4,871 |
| Net loans and leases to deposits | 81.3767% | 4,814 |
| Net loans and leases to core deposits | 91.8624% | 5,655 |
| Total domestic deposits to total assets | 80.9561% | 4,658 |
| Equity capital to assets | 8.0149% | 6,825 |
| Core capital (leverage) ratio | 8.3685% | 5,821 |
| Tier 1 risk-based capital ratio | 10.8072% | 5,907 |
| Total risk-based capital ratio | 11.7627% | 6,082 |
| Memoranda: |
| Average total assets | $57,772,200 | 6,460 |
| Average earning assets | $55,430,800 | 6,355 |
| Average equity | $4,890,200 | 7,179 |
| Average total loans | $40,908,200 | 6,125 |
