| 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 | 4.0335% | 3,910 |
| Cost of funding earning assets | 1.5406% | 1,841 |
| Net interest margin | 2.4929% | 4,098 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.1694% | 3,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5592% | 3,541 |
| Return on assets (ROA) | 0.5440% | 3,568 |
| Pretax return on assets | 0.5643% | 3,700 |
| Return on Equity (ROE) | 8.3300% | 2,937 |
| Retained earnings to average equity (ytd only) | 2.8003% | 3,344 |
| Net charge-offs to loans | -0.0217% | 4,183 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.9000% | 996 |
| Assets per employee ($millions) | 6.9497% | 2,107 |
| Cash dividends to net income (ytd only)* | 66.3753% | 956 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4030% | 1,387 |
| Loan loss allowance to noncurrent loans | 600.9592% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.1304% | 2,663 |
| Noncurrent loans to loans | 0.2335% | 2,376 |
| Net loans and leases to total assets | 55.0900% | 3,272 |
| Net loans and leases to deposits | 59.6051% | 3,549 |
| Net loans and leases to core deposits | 64.7063% | 3,554 |
| Total domestic deposits to total assets | 92.4200% | 240 |
| Equity capital to assets | 7.2775% | 3,830 |
| Core capital (leverage) ratio | 10.9277% | 2,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $315,431,800 | 2,342 |
| Average earning assets | $298,326,400 | 2,318 |
| Average equity | $20,604,800 | 2,807 |
| Average total loans | $170,681,800 | 2,517 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9858% | 3,872 |
| Cost of funding earning assets | 1.4484% | 1,738 |
| Net interest margin | 2.5373% | 4,105 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.1350% | 3,252 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6258% | 3,479 |
| Return on assets (ROA) | 0.6056% | 3,521 |
| Pretax return on assets | 0.6375% | 3,668 |
| Return on Equity (ROE) | 9.5500% | 2,785 |
| Retained earnings to average equity (ytd only) | 3.7646% | 3,323 |
| Net charge-offs to loans | -0.0522% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.4233% | 1,138 |
| Assets per employee ($millions) | 6.4647% | 2,348 |
| Cash dividends to net income (ytd only)* | 60.5742% | 915 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4574% | 1,231 |
| Loan loss allowance to noncurrent loans | 182.1121% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.4581% | 1,270 |
| Noncurrent loans to loans | 0.8003% | 1,042 |
| Net loans and leases to total assets | 56.4100% | 3,166 |
| Net loans and leases to deposits | 60.0190% | 3,501 |
| Net loans and leases to core deposits | 65.8377% | 3,439 |
| Total domestic deposits to total assets | 93.9900% | 191 |
| Equity capital to assets | 5.5641% | 4,125 |
| Core capital (leverage) ratio | 10.8266% | 2,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $314,368,250 | 2,350 |
| Average earning assets | $297,786,750 | 2,321 |
| Average equity | $19,939,750 | 2,852 |
| Average total loans | $168,698,750 | 2,533 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8565% | 3,937 |
| Cost of funding earning assets | 1.3215% | 1,653 |
| Net interest margin | 2.5350% | 4,176 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.0838% | 3,393 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6591% | 3,436 |
| Return on assets (ROA) | 0.6304% | 3,515 |
| Pretax return on assets | 0.6638% | 3,679 |
| Return on Equity (ROE) | 9.5700% | 2,818 |
| Retained earnings to average equity (ytd only) | 3.9234% | 3,222 |
| Net charge-offs to loans | -0.0599% | 4,418 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.0170% | 1,251 |
| Assets per employee ($millions) | 6.8141% | 2,062 |
| Cash dividends to net income (ytd only)* | 58.9820% | 1,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4901% | 1,209 |
| Loan loss allowance to noncurrent loans | 215.2991% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.3733% | 1,426 |
| Noncurrent loans to loans | 0.6921% | 1,083 |
| Net loans and leases to total assets | 53.1300% | 3,336 |
| Net loans and leases to deposits | 57.0703% | 3,583 |
| Net loans and leases to core deposits | 62.1726% | 3,534 |
| Total domestic deposits to total assets | 93.0900% | 240 |
| Equity capital to assets | 6.6199% | 3,942 |
| Core capital (leverage) ratio | 10.5242% | 2,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $317,877,000 | 2,343 |
| Average earning assets | $301,617,333 | 2,301 |
| Average equity | $20,951,000 | 2,776 |
| Average total loans | $166,950,333 | 2,543 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7006% | 4,019 |
| Cost of funding earning assets | 1.1772% | 1,512 |
| Net interest margin | 2.5234% | 4,284 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.0257% | 3,569 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7049% | 3,454 |
| Return on assets (ROA) | 0.6598% | 3,511 |
| Pretax return on assets | 0.6936% | 3,677 |
| Return on Equity (ROE) | 10.0300% | 2,774 |
| Retained earnings to average equity (ytd only) | 6.4793% | 2,651 |
| Net charge-offs to loans | -0.0024% | 3,458 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.2159% | 1,415 |
| Assets per employee ($millions) | 7.3298% | 1,729 |
| Cash dividends to net income (ytd only)* | 35.4167% | 1,578 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5006% | 1,252 |
| Loan loss allowance to noncurrent loans | 445.0450% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 2,300 |
| Noncurrent loans to loans | 0.3372% | 1,941 |
| Net loans and leases to total assets | 50.2700% | 3,472 |
| Net loans and leases to deposits | 54.1070% | 3,675 |
| Net loans and leases to core deposits | 58.2846% | 3,615 |
| Total domestic deposits to total assets | 92.9100% | 319 |
| Equity capital to assets | 6.9059% | 3,873 |
| Core capital (leverage) ratio | 10.5133% | 2,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $320,092,000 | 2,359 |
| Average earning assets | $303,082,500 | 2,327 |
| Average equity | $21,051,500 | 2,791 |
| Average total loans | $165,901,000 | 2,580 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2353% | 3,750 |
| Cost of funding earning assets | 0.5577% | 1,078 |
| Net interest margin | 2.6776% | 4,082 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 1.9861% | 3,620 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8856% | 3,020 |
| Return on assets (ROA) | 0.8613% | 3,041 |
| Pretax return on assets | 0.9066% | 3,339 |
| Return on Equity (ROE) | 12.7400% | 1,894 |
| Retained earnings to average equity (ytd only) | 7.8473% | 1,903 |
| Net charge-offs to loans | -0.0356% | 4,249 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.0553% | 1,959 |
| Assets per employee ($millions) | 7.2199% | 1,808 |
| Cash dividends to net income (ytd only)* | 38.4253% | 1,995 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4767% | 1,269 |
| Loan loss allowance to noncurrent loans | 186.7625% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 1,237 |
| Noncurrent loans to loans | 0.7907% | 942 |
| Net loans and leases to total assets | 51.8500% | 3,368 |
| Net loans and leases to deposits | 55.3723% | 3,606 |
| Net loans and leases to core deposits | 57.9594% | 3,619 |
| Total domestic deposits to total assets | 93.6500% | 281 |
| Equity capital to assets | 6.2425% | 4,002 |
| Core capital (leverage) ratio | 10.3486% | 2,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $319,981,000 | 2,352 |
| Average earning assets | $304,081,400 | 2,317 |
| Average equity | $21,625,200 | 2,802 |
| Average total loans | $160,251,600 | 2,537 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1301% | 3,601 |
| Cost of funding earning assets | 0.4245% | 1,125 |
| Net interest margin | 2.7057% | 3,913 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 1.9844% | 3,521 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9129% | 2,821 |
| Return on assets (ROA) | 0.9121% | 2,794 |
| Pretax return on assets | 0.9600% | 3,139 |
| Return on Equity (ROE) | 13.2500% | 1,626 |
| Retained earnings to average equity (ytd only) | 7.8583% | 2,054 |
| Net charge-offs to loans | -0.0707% | 4,398 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.3775% | 2,106 |
| Assets per employee ($millions) | 7.0303% | 1,917 |
| Cash dividends to net income (ytd only)* | 40.6749% | 1,551 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5153% | 1,253 |
| Loan loss allowance to noncurrent loans | 132.7660% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 0.5943% | 895 |
| Noncurrent loans to loans | 1.1413% | 649 |
| Net loans and leases to total assets | 51.2800% | 3,360 |
| Net loans and leases to deposits | 53.9013% | 3,609 |
| Net loans and leases to core deposits | 55.9352% | 3,630 |
| Total domestic deposits to total assets | 95.1300% | 201 |
| Equity capital to assets | 4.7436% | 4,341 |
| Core capital (leverage) ratio | 10.1109% | 2,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $320,557,500 | 2,365 |
| Average earning assets | $304,983,750 | 2,325 |
| Average equity | $22,073,750 | 2,816 |
| Average total loans | $158,515,500 | 2,558 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0279% | 3,483 |
| Cost of funding earning assets | 0.3432% | 1,334 |
| Net interest margin | 2.6847% | 3,729 |
| Noninterest income to average assets | 0.3466% | 3,075 |
| Noninterest expense to average assets | 1.9543% | 3,564 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9014% | 2,577 |
| Return on assets (ROA) | 0.9014% | 2,547 |
| Pretax return on assets | 0.9486% | 2,904 |
| Return on Equity (ROE) | 11.8792% | 1,696 |
| Retained earnings to average equity (ytd only) | 6.8852% | 2,025 |
| Net charge-offs to loans | -0.1253% | 4,496 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3229% | 2,339 |
| Assets per employee ($millions) | 7.2535% | 1,770 |
| Cash dividends to net income (ytd only)* | 42.0400% | 1,646 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6027% | 1,146 |
| Loan loss allowance to noncurrent loans | 1,091.3043% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 3,253 |
| Noncurrent loans to loans | 0.1469% | 2,963 |
| Net loans and leases to total assets | 48.2830% | 3,528 |
| Net loans and leases to deposits | 51.4549% | 3,729 |
| Net loans and leases to core deposits | 53.3145% | 3,736 |
| Total domestic deposits to total assets | 93.8356% | 312 |
| Equity capital to assets | 6.0372% | 4,188 |
| Core capital (leverage) ratio | 9.8662% | 2,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $321,955,667 | 2,376 |
| Average earning assets | $306,550,000 | 2,342 |
| Average equity | $24,429,333 | 2,714 |
| Average total loans | $156,447,000 | 2,583 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9533% | 3,389 |
| Cost of funding earning assets | 0.3264% | 1,405 |
| Net interest margin | 2.6269% | 3,599 |
| Noninterest income to average assets | 0.3266% | 3,145 |
| Noninterest expense to average assets | 1.9397% | 3,575 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8412% | 2,520 |
| Return on assets (ROA) | 0.8412% | 2,513 |
| Pretax return on assets | 0.8857% | 2,829 |
| Return on Equity (ROE) | 10.0703% | 1,943 |
| Retained earnings to average equity (ytd only) | 9.1818% | 1,220 |
| Net charge-offs to loans | 0.0102% | 1,389 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 179.0000% | 465 |
| Efficiency ratio | 68.6515% | 2,426 |
| Assets per employee ($millions) | 7.3865% | 1,746 |
| Cash dividends to net income (ytd only)* | 8.8235% | 2,167 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5821% | 1,317 |
| Loan loss allowance to noncurrent loans | 569.2671% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 2,890 |
| Noncurrent loans to loans | 0.2779% | 2,476 |
| Net loans and leases to total assets | 46.0887% | 3,568 |
| Net loans and leases to deposits | 49.6200% | 3,762 |
| Net loans and leases to core deposits | 51.3547% | 3,778 |
| Total domestic deposits to total assets | 92.8833% | 302 |
| Equity capital to assets | 6.9909% | 4,221 |
| Core capital (leverage) ratio | 9.7545% | 2,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $323,356,500 | 2,378 |
| Average earning assets | $307,591,000 | 2,348 |
| Average equity | $27,010,000 | 2,653 |
| Average total loans | $156,367,000 | 2,579 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1906% | 3,490 |
| Cost of funding earning assets | 0.3698% | 1,757 |
| Net interest margin | 2.8208% | 3,617 |
| Noninterest income to average assets | 0.6857% | 1,811 |
| Noninterest expense to average assets | 2.0063% | 3,656 |
| Loan and lease loss provision to assets | 0.0080% | 2,922 |
| Net operating income to assets | 1.2895% | 1,629 |
| Return on assets (ROA) | 1.2892% | 1,681 |
| Pretax return on assets | 1.3486% | 2,206 |
| Return on Equity (ROE) | 13.0618% | 1,442 |
| Retained earnings to average equity (ytd only) | 8.2701% | 1,433 |
| Net charge-offs to loans | 0.0013% | 2,619 |
| Credit loss provision to net charge-offs | 1,250.0000% | 447 |
| Earnings coverage of net charge-offs (x) | 2,114.5000% | 63 |
| Efficiency ratio | 59.6546% | 3,205 |
| Assets per employee ($millions) | 7.1490% | 1,832 |
| Cash dividends to net income (ytd only)* | 36.6849% | 2,199 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5025% | 1,544 |
| Loan loss allowance to noncurrent loans | 198.8458% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.3771% | 1,718 |
| Noncurrent loans to loans | 0.7556% | 1,342 |
| Net loans and leases to total assets | 49.1512% | 3,388 |
| Net loans and leases to deposits | 54.5100% | 3,557 |
| Net loans and leases to core deposits | 56.4943% | 3,584 |
| Total domestic deposits to total assets | 90.1693% | 879 |
| Equity capital to assets | 9.7291% | 2,913 |
| Core capital (leverage) ratio | 9.8025% | 2,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $311,661,600 | 2,385 |
| Average earning assets | $295,842,200 | 2,348 |
| Average equity | $30,761,400 | 2,488 |
| Average total loans | $157,458,000 | 2,569 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2279% | 3,551 |
| Cost of funding earning assets | 0.3856% | 1,816 |
| Net interest margin | 2.8423% | 3,680 |
| Noninterest income to average assets | 0.7901% | 1,557 |
| Noninterest expense to average assets | 2.0033% | 3,661 |
| Loan and lease loss provision to assets | 0.0107% | 2,778 |
| Net operating income to assets | 1.4012% | 1,540 |
| Return on assets (ROA) | 1.4017% | 1,598 |
| Pretax return on assets | 1.4754% | 2,062 |
| Return on Equity (ROE) | 14.1484% | 1,350 |
| Retained earnings to average equity (ytd only) | 9.7907% | 1,383 |
| Net charge-offs to loans | 0.0366% | 1,351 |
| Credit loss provision to net charge-offs | 58.1395% | 1,816 |
| Earnings coverage of net charge-offs (x) | 80.1163% | 984 |
| Efficiency ratio | 57.4166% | 3,364 |
| Assets per employee ($millions) | 6.7568% | 2,046 |
| Cash dividends to net income (ytd only)* | 30.8000% | 2,041 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5400% | 1,485 |
| Loan loss allowance to noncurrent loans | 88.7350% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.8414% | 831 |
| Noncurrent loans to loans | 1.7355% | 576 |
| Net loans and leases to total assets | 47.7340% | 3,649 |
| Net loans and leases to deposits | 53.1109% | 3,805 |
| Net loans and leases to core deposits | 55.0383% | 3,851 |
| Total domestic deposits to total assets | 89.8762% | 820 |
| Equity capital to assets | 9.9424% | 2,955 |
| Core capital (leverage) ratio | 9.7556% | 2,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $309,150,750 | 2,418 |
| Average earning assets | $293,557,500 | 2,388 |
| Average equity | $30,627,000 | 2,523 |
| Average total loans | $156,689,000 | 2,615 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2540% | 3,552 |
| Cost of funding earning assets | 0.4031% | 1,863 |
| Net interest margin | 2.8509% | 3,678 |
| Noninterest income to average assets | 0.7495% | 1,673 |
| Noninterest expense to average assets | 2.0252% | 3,621 |
| Loan and lease loss provision to assets | 0.0163% | 2,628 |
| Net operating income to assets | 1.3468% | 1,719 |
| Return on assets (ROA) | 1.3468% | 1,798 |
| Pretax return on assets | 1.4180% | 2,276 |
| Return on Equity (ROE) | 13.6121% | 1,538 |
| Retained earnings to average equity (ytd only) | 8.6634% | 1,831 |
| Net charge-offs to loans | 0.0952% | 762 |
| Credit loss provision to net charge-offs | 33.3333% | 1,687 |
| Earnings coverage of net charge-offs (x) | 29.2933% | 1,321 |
| Efficiency ratio | 58.5393% | 3,209 |
| Assets per employee ($millions) | 6.6110% | 2,088 |
| Cash dividends to net income (ytd only)* | 36.3548% | 1,767 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5223% | 1,515 |
| Loan loss allowance to noncurrent loans | 500.8565% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.1472% | 3,263 |
| Noncurrent loans to loans | 0.3039% | 2,835 |
| Net loans and leases to total assets | 47.6820% | 3,760 |
| Net loans and leases to deposits | 52.9857% | 3,932 |
| Net loans and leases to core deposits | 54.9993% | 3,968 |
| Total domestic deposits to total assets | 89.9905% | 784 |
| Equity capital to assets | 9.7048% | 3,139 |
| Core capital (leverage) ratio | 9.3863% | 3,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $306,345,000 | 2,421 |
| Average earning assets | $291,209,000 | 2,394 |
| Average equity | $30,311,333 | 2,528 |
| Average total loans | $157,599,000 | 2,615 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3071% | 3,430 |
| Cost of funding earning assets | 0.4380% | 1,816 |
| Net interest margin | 2.8692% | 3,595 |
| Noninterest income to average assets | 0.3590% | 3,293 |
| Noninterest expense to average assets | 2.0369% | 3,599 |
| Loan and lease loss provision to assets | 0.0332% | 2,335 |
| Net operating income to assets | 0.9559% | 2,952 |
| Return on assets (ROA) | 0.9559% | 3,046 |
| Pretax return on assets | 1.0065% | 3,352 |
| Return on Equity (ROE) | 9.5647% | 2,831 |
| Retained earnings to average equity (ytd only) | 7.4362% | 2,441 |
| Net charge-offs to loans | 0.2005% | 406 |
| Credit loss provision to net charge-offs | 31.2500% | 1,381 |
| Earnings coverage of net charge-offs (x) | 9.7750% | 1,522 |
| Efficiency ratio | 66.2057% | 2,198 |
| Assets per employee ($millions) | 6.3455% | 2,297 |
| Cash dividends to net income (ytd only)* | 22.2531% | 1,936 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4760% | 1,689 |
| Loan loss allowance to noncurrent loans | 104.0571% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.7214% | 1,287 |
| Noncurrent loans to loans | 1.4185% | 892 |
| Net loans and leases to total assets | 50.1050% | 3,615 |
| Net loans and leases to deposits | 55.6301% | 3,824 |
| Net loans and leases to core deposits | 57.5652% | 3,869 |
| Total domestic deposits to total assets | 90.0682% | 790 |
| Equity capital to assets | 9.5623% | 3,136 |
| Core capital (leverage) ratio | 9.7694% | 2,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $300,854,000 | 2,435 |
| Average earning assets | $284,960,000 | 2,415 |
| Average equity | $30,069,000 | 2,535 |
| Average total loans | $159,575,000 | 2,606 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9609% | 2,852 |
| Cost of funding earning assets | 0.7245% | 1,589 |
| Net interest margin | 3.2364% | 3,259 |
| Noninterest income to average assets | 0.4096% | 3,047 |
| Noninterest expense to average assets | 2.2546% | 3,527 |
| Loan and lease loss provision to assets | 0.1977% | 1,974 |
| Net operating income to assets | 0.9609% | 2,435 |
| Return on assets (ROA) | 0.9609% | 2,584 |
| Pretax return on assets | 1.0118% | 3,008 |
| Return on Equity (ROE) | 9.1027% | 2,351 |
| Retained earnings to average equity (ytd only) | 5.9610% | 1,810 |
| Net charge-offs to loans | 0.0665% | 1,829 |
| Credit loss provision to net charge-offs | 482.1429% | 1,283 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 1,626 |
| Efficiency ratio | 65.0851% | 2,666 |
| Assets per employee ($millions) | 6.1868% | 2,179 |
| Cash dividends to net income (ytd only)* | 34.5143% | 2,633 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4836% | 1,643 |
| Loan loss allowance to noncurrent loans | 475.8964% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 3,413 |
| Noncurrent loans to loans | 0.3118% | 3,089 |
| Net loans and leases to total assets | 54.5555% | 3,440 |
| Net loans and leases to deposits | 61.0556% | 3,677 |
| Net loans and leases to core deposits | 62.9715% | 3,769 |
| Total domestic deposits to total assets | 89.3538% | 828 |
| Equity capital to assets | 10.4567% | 2,708 |
| Core capital (leverage) ratio | 10.0950% | 2,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $273,179,800 | 2,441 |
| Average earning assets | $257,817,000 | 2,418 |
| Average equity | $28,837,600 | 2,539 |
| Average total loans | $168,382,400 | 2,498 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0858% | 2,714 |
| Cost of funding earning assets | 0.7912% | 1,545 |
| Net interest margin | 3.2946% | 3,210 |
| Noninterest income to average assets | 0.3800% | 3,184 |
| Noninterest expense to average assets | 2.2407% | 3,577 |
| Loan and lease loss provision to assets | 0.1935% | 2,042 |
| Net operating income to assets | 1.0000% | 2,339 |
| Return on assets (ROA) | 1.0000% | 2,469 |
| Pretax return on assets | 1.0526% | 2,898 |
| Return on Equity (ROE) | 9.4494% | 2,230 |
| Retained earnings to average equity (ytd only) | 7.5698% | 1,471 |
| Net charge-offs to loans | 0.0423% | 2,019 |
| Credit loss provision to net charge-offs | 722.2222% | 1,045 |
| Earnings coverage of net charge-offs (x) | 46.5185% | 1,247 |
| Efficiency ratio | 64.2623% | 2,694 |
| Assets per employee ($millions) | 5.7327% | 2,515 |
| Cash dividends to net income (ytd only)* | 19.8909% | 2,782 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3749% | 1,854 |
| Loan loss allowance to noncurrent loans | 103.9837% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.8028% | 1,434 |
| Noncurrent loans to loans | 1.3222% | 1,117 |
| Net loans and leases to total assets | 59.8799% | 3,242 |
| Net loans and leases to deposits | 67.4481% | 3,517 |
| Net loans and leases to core deposits | 69.7429% | 3,639 |
| Total domestic deposits to total assets | 88.7793% | 868 |
| Equity capital to assets | 10.9376% | 2,436 |
| Core capital (leverage) ratio | 10.4163% | 2,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $268,780,000 | 2,444 |
| Average earning assets | $253,457,000 | 2,423 |
| Average equity | $28,445,500 | 2,563 |
| Average total loans | $170,221,750 | 2,484 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2036% | 2,748 |
| Cost of funding earning assets | 0.8659% | 1,515 |
| Net interest margin | 3.3377% | 3,280 |
| Noninterest income to average assets | 0.3503% | 3,378 |
| Noninterest expense to average assets | 2.2606% | 3,621 |
| Loan and lease loss provision to assets | 0.1800% | 2,219 |
| Net operating income to assets | 0.9998% | 2,331 |
| Return on assets (ROA) | 0.9998% | 2,450 |
| Pretax return on assets | 1.0523% | 2,865 |
| Return on Equity (ROE) | 9.5573% | 2,123 |
| Retained earnings to average equity (ytd only) | 7.3275% | 1,530 |
| Net charge-offs to loans | 0.0549% | 1,711 |
| Credit loss provision to net charge-offs | 510.6383% | 1,215 |
| Earnings coverage of net charge-offs (x) | 34.9574% | 1,335 |
| Efficiency ratio | 64.7198% | 2,710 |
| Assets per employee ($millions) | 5.8453% | 2,320 |
| Cash dividends to net income (ytd only)* | 23.3308% | 2,618 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2624% | 2,188 |
| Loan loss allowance to noncurrent loans | 43.2965% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 1.8109% | 434 |
| Noncurrent loans to loans | 2.9157% | 344 |
| Net loans and leases to total assets | 61.3228% | 3,185 |
| Net loans and leases to deposits | 68.9072% | 3,497 |
| Net loans and leases to core deposits | 71.3172% | 3,626 |
| Total domestic deposits to total assets | 88.9932% | 746 |
| Equity capital to assets | 10.6923% | 2,580 |
| Core capital (leverage) ratio | 10.2523% | 2,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $266,650,333 | 2,433 |
| Average earning assets | $251,068,333 | 2,411 |
| Average equity | $27,895,000 | 2,591 |
| Average total loans | $171,273,000 | 2,458 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3856% | 2,668 |
| Cost of funding earning assets | 1.0041% | 1,397 |
| Net interest margin | 3.3815% | 3,356 |
| Noninterest income to average assets | 0.3564% | 3,387 |
| Noninterest expense to average assets | 2.2467% | 3,897 |
| Loan and lease loss provision to assets | 0.1599% | 1,809 |
| Net operating income to assets | 1.0738% | 1,924 |
| Return on assets (ROA) | 1.0738% | 2,027 |
| Pretax return on assets | 1.1302% | 2,422 |
| Return on Equity (ROE) | 10.3848% | 1,616 |
| Retained earnings to average equity (ytd only) | 8.0280% | 1,226 |
| Net charge-offs to loans | 0.0932% | 1,133 |
| Credit loss provision to net charge-offs | 262.5000% | 1,261 |
| Earnings coverage of net charge-offs (x) | 21.1750% | 1,393 |
| Efficiency ratio | 63.5228% | 3,302 |
| Assets per employee ($millions) | 5.6329% | 1,987 |
| Cash dividends to net income (ytd only)* | 22.6950% | 2,299 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1796% | 2,780 |
| Loan loss allowance to noncurrent loans | 110.1686% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.6946% | 1,928 |
| Noncurrent loans to loans | 1.0707% | 1,554 |
| Net loans and leases to total assets | 64.1119% | 3,053 |
| Net loans and leases to deposits | 71.4966% | 3,481 |
| Net loans and leases to core deposits | 74.3260% | 3,615 |
| Total domestic deposits to total assets | 89.6712% | 424 |
| Equity capital to assets | 10.1350% | 3,667 |
| Core capital (leverage) ratio | 10.4744% | 2,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $262,610,500 | 2,414 |
| Average earning assets | $246,988,000 | 2,389 |
| Average equity | $27,155,000 | 2,634 |
| Average total loans | $171,596,500 | 2,439 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3977% | 3,264 |
| Cost of funding earning assets | 1.2577% | 869 |
| Net interest margin | 3.1400% | 4,305 |
| Noninterest income to average assets | 0.4197% | 3,176 |
| Noninterest expense to average assets | 2.4461% | 3,583 |
| Loan and lease loss provision to assets | 0.3261% | 489 |
| Net operating income to assets | 0.5699% | 4,245 |
| Return on assets (ROA) | 0.5695% | 4,300 |
| Pretax return on assets | 0.5996% | 4,416 |
| Return on Equity (ROE) | 5.4391% | 4,089 |
| Retained earnings to average equity (ytd only) | 3.0536% | 3,500 |
| Net charge-offs to loans | 0.4942% | 379 |
| Credit loss provision to net charge-offs | 98.3313% | 2,532 |
| Earnings coverage of net charge-offs (x) | 2.7926% | 3,377 |
| Efficiency ratio | 72.5387% | 1,789 |
| Assets per employee ($millions) | 5.6625% | 1,911 |
| Cash dividends to net income (ytd only)* | 43.8584% | 2,405 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1439% | 2,728 |
| Loan loss allowance to noncurrent loans | 130.2990% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.5778% | 2,159 |
| Noncurrent loans to loans | 0.8779% | 1,747 |
| Net loans and leases to total assets | 65.0628% | 3,064 |
| Net loans and leases to deposits | 72.8913% | 3,447 |
| Net loans and leases to core deposits | 76.2791% | 3,557 |
| Total domestic deposits to total assets | 89.2600% | 574 |
| Equity capital to assets | 10.5491% | 3,398 |
| Core capital (leverage) ratio | 10.4467% | 3,008 |
| Tier 1 risk-based capital ratio | 14.0078% | 3,272 |
| Total risk-based capital ratio | 15.0330% | 3,282 |
| Memoranda: |
| Average total assets | $253,011,400 | 2,439 |
| Average earning assets | $237,897,800 | 2,423 |
| Average equity | $26,493,200 | 2,591 |
| Average total loans | $169,762,200 | 2,412 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3554% | 3,499 |
| Cost of funding earning assets | 1.2873% | 816 |
| Net interest margin | 3.0680% | 4,528 |
| Noninterest income to average assets | 0.4183% | 3,213 |
| Noninterest expense to average assets | 2.4607% | 3,535 |
| Loan and lease loss provision to assets | 0.3584% | 367 |
| Net operating income to assets | 0.4576% | 4,614 |
| Return on assets (ROA) | 0.4571% | 4,646 |
| Pretax return on assets | 0.4810% | 4,721 |
| Return on Equity (ROE) | 4.3737% | 4,512 |
| Retained earnings to average equity (ytd only) | 1.4681% | 4,445 |
| Net charge-offs to loans | 0.6149% | 262 |
| Credit loss provision to net charge-offs | 86.4277% | 2,434 |
| Earnings coverage of net charge-offs (x) | 2.0256% | 3,230 |
| Efficiency ratio | 74.5536% | 1,487 |
| Assets per employee ($millions) | 5.2886% | 2,240 |
| Cash dividends to net income (ytd only)* | 66.4347% | 1,060 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0879% | 3,089 |
| Loan loss allowance to noncurrent loans | 47.0544% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 1.5647% | 681 |
| Noncurrent loans to loans | 2.3121% | 528 |
| Net loans and leases to total assets | 66.9390% | 2,932 |
| Net loans and leases to deposits | 75.0467% | 3,378 |
| Net loans and leases to core deposits | 78.6203% | 3,497 |
| Total domestic deposits to total assets | 89.1965% | 555 |
| Equity capital to assets | 10.6070% | 3,459 |
| Core capital (leverage) ratio | 10.4891% | 3,110 |
| Tier 1 risk-based capital ratio | 13.7647% | 3,442 |
| Total risk-based capital ratio | 14.7449% | 3,480 |
| Memoranda: |
| Average total assets | $251,145,250 | 2,472 |
| Average earning assets | $235,932,000 | 2,450 |
| Average equity | $26,247,000 | 2,622 |
| Average total loans | $169,344,250 | 2,443 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2332% | 3,836 |
| Cost of funding earning assets | 1.2918% | 759 |
| Net interest margin | 2.9414% | 4,767 |
| Noninterest income to average assets | 0.4060% | 3,235 |
| Noninterest expense to average assets | 2.4744% | 3,561 |
| Loan and lease loss provision to assets | 0.1798% | 995 |
| Net operating income to assets | 0.4923% | 4,535 |
| Return on assets (ROA) | 0.4915% | 4,573 |
| Pretax return on assets | 0.5171% | 4,676 |
| Return on Equity (ROE) | 4.7270% | 4,413 |
| Retained earnings to average equity (ytd only) | 1.3374% | 4,339 |
| Net charge-offs to loans | 0.4344% | 381 |
| Credit loss provision to net charge-offs | 61.4754% | 2,393 |
| Earnings coverage of net charge-offs (x) | 2.3852% | 2,946 |
| Efficiency ratio | 78.0045% | 1,153 |
| Assets per employee ($millions) | 5.2449% | 2,210 |
| Cash dividends to net income (ytd only)* | 71.7073% | 1,047 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0751% | 3,215 |
| Loan loss allowance to noncurrent loans | 31.8679% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 2.2860% | 353 |
| Noncurrent loans to loans | 3.3738% | 261 |
| Net loans and leases to total assets | 67.0283% | 2,959 |
| Net loans and leases to deposits | 75.1309% | 3,415 |
| Net loans and leases to core deposits | 78.8051% | 3,520 |
| Total domestic deposits to total assets | 89.2153% | 585 |
| Equity capital to assets | 10.5527% | 3,473 |
| Core capital (leverage) ratio | 10.3728% | 3,218 |
| Tier 1 risk-based capital ratio | 13.7025% | 3,483 |
| Total risk-based capital ratio | 14.6642% | 3,527 |
| Memoranda: |
| Average total assets | $250,243,000 | 2,489 |
| Average earning assets | $235,329,670 | 2,463 |
| Average equity | $26,020,670 | 2,635 |
| Average total loans | $168,527,330 | 2,462 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2534% | 3,700 |
| Cost of funding earning assets | 1.2538% | 759 |
| Net interest margin | 2.9996% | 4,750 |
| Noninterest income to average assets | 0.3848% | 3,296 |
| Noninterest expense to average assets | 2.4402% | 3,652 |
| Loan and lease loss provision to assets | 0.1683% | 994 |
| Net operating income to assets | 0.5628% | 4,352 |
| Return on assets (ROA) | 0.5644% | 4,381 |
| Pretax return on assets | 0.5932% | 4,529 |
| Return on Equity (ROE) | 5.4685% | 4,198 |
| Retained earnings to average equity (ytd only) | 2.9828% | 3,740 |
| Net charge-offs to loans | 0.0310% | 1,829 |
| Credit loss provision to net charge-offs | 807.6923% | 440 |
| Earnings coverage of net charge-offs (x) | 36.4615% | 1,212 |
| Efficiency ratio | 76.2525% | 1,474 |
| Assets per employee ($millions) | 5.3276% | 2,142 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,764 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2429% | 2,368 |
| Loan loss allowance to noncurrent loans | 62.5795% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 1.2916% | 1,016 |
| Noncurrent loans to loans | 1.9862% | 750 |
| Net loans and leases to total assets | 64.2231% | 3,261 |
| Net loans and leases to deposits | 71.6838% | 3,629 |
| Net loans and leases to core deposits | 75.2821% | 3,710 |
| Total domestic deposits to total assets | 89.5923% | 604 |
| Equity capital to assets | 10.2188% | 3,603 |
| Core capital (leverage) ratio | 10.8172% | 2,751 |
| Tier 1 risk-based capital ratio | 13.9851% | 3,340 |
| Total risk-based capital ratio | 15.0907% | 3,341 |
| Memoranda: |
| Average total assets | $249,487,000 | 2,521 |
| Average earning assets | $234,168,000 | 2,497 |
| Average equity | $25,747,500 | 2,663 |
| Average total loans | $167,500,500 | 2,497 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2639% | 3,230 |
| Cost of funding earning assets | 0.9086% | 1,057 |
| Net interest margin | 3.3553% | 4,118 |
| Noninterest income to average assets | 0.4336% | 3,216 |
| Noninterest expense to average assets | 2.6757% | 3,105 |
| Loan and lease loss provision to assets | 0.1796% | 1,095 |
| Net operating income to assets | 0.6889% | 4,171 |
| Return on assets (ROA) | 0.7230% | 4,072 |
| Pretax return on assets | 0.7611% | 4,270 |
| Return on Equity (ROE) | 6.8540% | 3,875 |
| Retained earnings to average equity (ytd only) | 5.4759% | 2,497 |
| Net charge-offs to loans | 0.0617% | 2,241 |
| Credit loss provision to net charge-offs | 424.2424% | 789 |
| Earnings coverage of net charge-offs (x) | 21.3737% | 1,946 |
| Efficiency ratio | 74.7313% | 1,532 |
| Assets per employee ($millions) | 4.9643% | 2,548 |
| Cash dividends to net income (ytd only)* | 20.1064% | 3,470 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1707% | 2,719 |
| Loan loss allowance to noncurrent loans | 86.7750% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.9472% | 1,450 |
| Noncurrent loans to loans | 1.3491% | 1,161 |
| Net loans and leases to total assets | 68.5406% | 2,801 |
| Net loans and leases to deposits | 76.6457% | 3,305 |
| Net loans and leases to core deposits | 78.5498% | 3,532 |
| Total domestic deposits to total assets | 89.4253% | 694 |
| Equity capital to assets | 10.4267% | 3,258 |
| Core capital (leverage) ratio | 11.0741% | 2,456 |
| Tier 1 risk-based capital ratio | 13.8784% | 3,343 |
| Total risk-based capital ratio | 14.9344% | 3,369 |
| Memoranda: |
| Average total assets | $233,880,000 | 2,586 |
| Average earning assets | $219,355,000 | 2,568 |
| Average equity | $24,671,800 | 2,665 |
| Average total loans | $160,392,400 | 2,526 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2029% | 3,310 |
| Cost of funding earning assets | 0.8272% | 1,209 |
| Net interest margin | 3.3757% | 4,078 |
| Noninterest income to average assets | 0.4279% | 3,298 |
| Noninterest expense to average assets | 2.6328% | 3,191 |
| Loan and lease loss provision to assets | 0.1814% | 1,002 |
| Net operating income to assets | 0.7421% | 4,099 |
| Return on assets (ROA) | 0.7935% | 3,938 |
| Pretax return on assets | 0.8356% | 4,207 |
| Return on Equity (ROE) | 7.4994% | 3,751 |
| Retained earnings to average equity (ytd only) | 5.9756% | 2,670 |
| Net charge-offs to loans | 0.0707% | 1,827 |
| Credit loss provision to net charge-offs | 375.0000% | 857 |
| Earnings coverage of net charge-offs (x) | 19.9043% | 1,975 |
| Efficiency ratio | 73.2223% | 1,696 |
| Assets per employee ($millions) | 4.8245% | 2,689 |
| Cash dividends to net income (ytd only)* | 20.3191% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1554% | 2,877 |
| Loan loss allowance to noncurrent loans | 50.6040% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 1.6086% | 778 |
| Noncurrent loans to loans | 2.2831% | 607 |
| Net loans and leases to total assets | 69.6395% | 2,700 |
| Net loans and leases to deposits | 80.0511% | 3,041 |
| Net loans and leases to core deposits | 81.9846% | 3,327 |
| Total domestic deposits to total assets | 86.9938% | 1,736 |
| Equity capital to assets | 10.6592% | 2,972 |
| Core capital (leverage) ratio | 11.2030% | 2,412 |
| Tier 1 risk-based capital ratio | 14.1789% | 3,282 |
| Total risk-based capital ratio | 15.2187% | 3,296 |
| Memoranda: |
| Average total assets | $231,537,500 | 2,611 |
| Average earning assets | $217,270,500 | 2,597 |
| Average equity | $24,499,000 | 2,693 |
| Average total loans | $158,315,500 | 2,560 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1290% | 3,348 |
| Cost of funding earning assets | 0.7482% | 1,374 |
| Net interest margin | 3.3807% | 4,014 |
| Noninterest income to average assets | 0.4146% | 3,391 |
| Noninterest expense to average assets | 2.6287% | 3,229 |
| Loan and lease loss provision to assets | 0.1814% | 990 |
| Net operating income to assets | 0.7461% | 4,047 |
| Return on assets (ROA) | 0.8060% | 3,838 |
| Pretax return on assets | 0.8448% | 4,125 |
| Return on Equity (ROE) | 7.6359% | 3,655 |
| Retained earnings to average equity (ytd only) | 5.8353% | 2,644 |
| Net charge-offs to loans | 0.0970% | 1,383 |
| Credit loss provision to net charge-offs | 276.3158% | 1,076 |
| Earnings coverage of net charge-offs (x) | 14.6711% | 2,084 |
| Efficiency ratio | 73.1842% | 1,821 |
| Assets per employee ($millions) | 4.5555% | 3,038 |
| Cash dividends to net income (ytd only)* | 23.5798% | 2,869 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1178% | 3,159 |
| Loan loss allowance to noncurrent loans | 50.9547% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 1.5405% | 857 |
| Noncurrent loans to loans | 2.1936% | 637 |
| Net loans and leases to total assets | 69.4434% | 2,661 |
| Net loans and leases to deposits | 77.9764% | 3,161 |
| Net loans and leases to core deposits | 79.3005% | 3,473 |
| Total domestic deposits to total assets | 89.0568% | 911 |
| Equity capital to assets | 10.7904% | 2,843 |
| Core capital (leverage) ratio | 11.0486% | 2,482 |
| Tier 1 risk-based capital ratio | 14.2445% | 3,238 |
| Total risk-based capital ratio | 15.2504% | 3,282 |
| Memoranda: |
| Average total assets | $231,525,330 | 2,626 |
| Average earning assets | $217,585,000 | 2,605 |
| Average equity | $24,437,330 | 2,710 |
| Average total loans | $156,703,330 | 2,590 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1029% | 3,226 |
| Cost of funding earning assets | 0.7152% | 1,366 |
| Net interest margin | 3.3877% | 3,923 |
| Noninterest income to average assets | 0.3856% | 3,563 |
| Noninterest expense to average assets | 2.5810% | 3,388 |
| Loan and lease loss provision to assets | 0.1799% | 955 |
| Net operating income to assets | 0.7642% | 3,854 |
| Return on assets (ROA) | 0.8843% | 3,370 |
| Pretax return on assets | 0.9237% | 3,774 |
| Return on Equity (ROE) | 8.4705% | 3,161 |
| Retained earnings to average equity (ytd only) | 5.8440% | 2,785 |
| Net charge-offs to loans | 0.1728% | 838 |
| Credit loss provision to net charge-offs | 156.7164% | 1,208 |
| Earnings coverage of net charge-offs (x) | 8.5224% | 2,026 |
| Efficiency ratio | 72.5084% | 2,122 |
| Assets per employee ($millions) | 5.0641% | 2,409 |
| Cash dividends to net income (ytd only)* | 31.0078% | 2,122 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0955% | 3,411 |
| Loan loss allowance to noncurrent loans | 140.5316% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.5220% | 2,782 |
| Noncurrent loans to loans | 0.7795% | 2,254 |
| Net loans and leases to total assets | 65.5759% | 3,105 |
| Net loans and leases to deposits | 73.2760% | 3,486 |
| Net loans and leases to core deposits | 74.3007% | 3,798 |
| Total domestic deposits to total assets | 89.4916% | 894 |
| Equity capital to assets | 10.3951% | 3,174 |
| Core capital (leverage) ratio | 10.5598% | 2,883 |
| Tier 1 risk-based capital ratio | 13.9089% | 3,425 |
| Total risk-based capital ratio | 14.8808% | 3,498 |
| Memoranda: |
| Average total assets | $233,399,500 | 2,634 |
| Average earning assets | $218,676,000 | 2,624 |
| Average equity | $24,367,000 | 2,734 |
| Average total loans | $155,073,000 | 2,627 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1237% | 2,972 |
| Cost of funding earning assets | 0.6918% | 1,072 |
| Net interest margin | 3.4320% | 3,745 |
| Noninterest income to average assets | 0.3961% | 3,663 |
| Noninterest expense to average assets | 2.5894% | 3,476 |
| Loan and lease loss provision to assets | 0.1629% | 1,370 |
| Net operating income to assets | 0.8068% | 3,126 |
| Return on assets (ROA) | 0.8068% | 3,170 |
| Pretax return on assets | 0.8495% | 4,094 |
| Return on Equity (ROE) | 7.6308% | 2,986 |
| Retained earnings to average equity (ytd only) | 5.9573% | 1,563 |
| Net charge-offs to loans | 0.0506% | 2,780 |
| Credit loss provision to net charge-offs | 493.3333% | 636 |
| Earnings coverage of net charge-offs (x) | 30.6667% | 1,524 |
| Efficiency ratio | 71.8929% | 2,240 |
| Assets per employee ($millions) | 5.0837% | 2,381 |
| Cash dividends to net income (ytd only)* | 21.9313% | 3,613 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0623% | 3,535 |
| Loan loss allowance to noncurrent loans | 110.3402% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.6560% | 2,357 |
| Noncurrent loans to loans | 0.9628% | 1,837 |
| Net loans and leases to total assets | 65.8720% | 3,119 |
| Net loans and leases to deposits | 73.6583% | 3,547 |
| Net loans and leases to core deposits | 74.9575% | 3,815 |
| Total domestic deposits to total assets | 89.4292% | 811 |
| Equity capital to assets | 10.4848% | 3,183 |
| Core capital (leverage) ratio | 10.6625% | 2,684 |
| Tier 1 risk-based capital ratio | 13.9965% | 3,361 |
| Total risk-based capital ratio | 14.9374% | 3,443 |
| Memoranda: |
| Average total assets | $227,195,200 | 2,657 |
| Average earning assets | $212,209,800 | 2,641 |
| Average equity | $24,021,000 | 2,754 |
| Average total loans | $148,159,600 | 2,673 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0949% | 3,003 |
| Cost of funding earning assets | 0.6841% | 1,047 |
| Net interest margin | 3.4108% | 3,810 |
| Noninterest income to average assets | 0.3920% | 3,741 |
| Noninterest expense to average assets | 2.5675% | 3,508 |
| Loan and lease loss provision to assets | 0.1330% | 1,633 |
| Net operating income to assets | 0.8312% | 3,381 |
| Return on assets (ROA) | 0.8312% | 3,419 |
| Pretax return on assets | 0.8749% | 4,126 |
| Return on Equity (ROE) | 7.8447% | 3,209 |
| Retained earnings to average equity (ytd only) | 5.9366% | 2,290 |
| Net charge-offs to loans | 0.0574% | 2,314 |
| Credit loss provision to net charge-offs | 357.1429% | 850 |
| Earnings coverage of net charge-offs (x) | 27.0629% | 1,653 |
| Efficiency ratio | 71.8089% | 2,229 |
| Assets per employee ($millions) | 4.8609% | 2,619 |
| Cash dividends to net income (ytd only)* | 24.3244% | 2,972 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0198% | 3,956 |
| Loan loss allowance to noncurrent loans | 91.8478% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 0.7249% | 2,335 |
| Noncurrent loans to loans | 1.1103% | 1,732 |
| Net loans and leases to total assets | 64.6196% | 3,304 |
| Net loans and leases to deposits | 72.5340% | 3,716 |
| Net loans and leases to core deposits | 73.8490% | 3,986 |
| Total domestic deposits to total assets | 89.0887% | 837 |
| Equity capital to assets | 10.7621% | 3,106 |
| Core capital (leverage) ratio | 10.8018% | 2,645 |
| Tier 1 risk-based capital ratio | 14.2794% | 3,315 |
| Total risk-based capital ratio | 15.1754% | 3,409 |
| Memoranda: |
| Average total assets | $225,531,000 | 2,699 |
| Average earning assets | $210,500,000 | 2,676 |
| Average equity | $23,896,500 | 2,791 |
| Average total loans | $146,275,250 | 2,711 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0304% | 3,090 |
| Cost of funding earning assets | 0.6756% | 1,013 |
| Net interest margin | 3.3549% | 3,933 |
| Noninterest income to average assets | 0.3883% | 3,761 |
| Noninterest expense to average assets | 2.5054% | 3,731 |
| Loan and lease loss provision to assets | 0.1336% | 1,558 |
| Net operating income to assets | 0.8372% | 3,213 |
| Return on assets (ROA) | 0.8372% | 3,266 |
| Pretax return on assets | 0.8809% | 3,992 |
| Return on Equity (ROE) | 7.9438% | 3,062 |
| Retained earnings to average equity (ytd only) | 5.8226% | 2,215 |
| Net charge-offs to loans | 0.0619% | 2,036 |
| Credit loss provision to net charge-offs | 333.3333% | 885 |
| Earnings coverage of net charge-offs (x) | 25.3111% | 1,608 |
| Efficiency ratio | 71.1791% | 2,484 |
| Assets per employee ($millions) | 4.7936% | 2,662 |
| Cash dividends to net income (ytd only)* | 26.7021% | 2,877 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9974% | 4,161 |
| Loan loss allowance to noncurrent loans | 88.8350% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 0.7315% | 2,376 |
| Noncurrent loans to loans | 1.1228% | 1,746 |
| Net loans and leases to total assets | 64.4977% | 3,311 |
| Net loans and leases to deposits | 72.4586% | 3,690 |
| Net loans and leases to core deposits | 73.4519% | 3,987 |
| Total domestic deposits to total assets | 89.0132% | 947 |
| Equity capital to assets | 10.8341% | 2,996 |
| Core capital (leverage) ratio | 10.6344% | 2,774 |
| Tier 1 risk-based capital ratio | 14.3302% | 3,249 |
| Total risk-based capital ratio | 15.2093% | 3,365 |
| Memoranda: |
| Average total assets | $224,554,670 | 2,724 |
| Average earning assets | $209,605,000 | 2,702 |
| Average equity | $23,666,330 | 2,813 |
| Average total loans | $145,316,670 | 2,724 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9462% | 3,219 |
| Cost of funding earning assets | 0.6641% | 1,005 |
| Net interest margin | 3.2821% | 4,073 |
| Noninterest income to average assets | 0.3693% | 3,893 |
| Noninterest expense to average assets | 2.4962% | 3,821 |
| Loan and lease loss provision to assets | 0.1338% | 1,428 |
| Net operating income to assets | 0.7512% | 3,473 |
| Return on assets (ROA) | 0.7512% | 3,525 |
| Pretax return on assets | 0.7904% | 4,141 |
| Return on Equity (ROE) | 7.2290% | 3,305 |
| Retained earnings to average equity (ytd only) | 4.4816% | 3,179 |
| Net charge-offs to loans | 0.0498% | 1,864 |
| Credit loss provision to net charge-offs | 416.6667% | 639 |
| Earnings coverage of net charge-offs (x) | 28.7778% | 1,244 |
| Efficiency ratio | 72.9786% | 2,408 |
| Assets per employee ($millions) | 4.7242% | 2,803 |
| Cash dividends to net income (ytd only)* | 38.0048% | 2,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9750% | 4,419 |
| Loan loss allowance to noncurrent loans | 91.2959% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6840% | 2,585 |
| Noncurrent loans to loans | 1.0679% | 1,920 |
| Net loans and leases to total assets | 63.4216% | 3,343 |
| Net loans and leases to deposits | 70.8698% | 3,708 |
| Net loans and leases to core deposits | 71.8172% | 4,000 |
| Total domestic deposits to total assets | 89.4903% | 899 |
| Equity capital to assets | 10.3906% | 3,305 |
| Core capital (leverage) ratio | 10.6906% | 2,691 |
| Tier 1 risk-based capital ratio | 14.0759% | 3,426 |
| Total risk-based capital ratio | 14.9264% | 3,582 |
| Memoranda: |
| Average total assets | $224,183,000 | 2,756 |
| Average earning assets | $208,402,500 | 2,745 |
| Average equity | $23,295,000 | 2,858 |
| Average total loans | $144,587,000 | 2,758 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1398% | 2,699 |
| Cost of funding earning assets | 0.6500% | 1,057 |
| Net interest margin | 3.4898% | 3,472 |
| Noninterest income to average assets | 0.4231% | 3,724 |
| Noninterest expense to average assets | 2.8995% | 2,673 |
| Loan and lease loss provision to assets | 0.3072% | 613 |
| Net operating income to assets | 0.4265% | 4,859 |
| Return on assets (ROA) | 0.4820% | 4,777 |
| Pretax return on assets | 0.5074% | 5,009 |
| Return on Equity (ROE) | 4.3443% | 4,720 |
| Retained earnings to average equity (ytd only) | 2.5267% | 4,077 |
| Net charge-offs to loans | 0.5169% | 474 |
| Credit loss provision to net charge-offs | 91.7018% | 2,766 |
| Earnings coverage of net charge-offs (x) | 2.2574% | 3,858 |
| Efficiency ratio | 79.3143% | 1,509 |
| Assets per employee ($millions) | 4.5225% | 3,085 |
| Cash dividends to net income (ytd only)* | 41.8377% | 2,778 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9441% | 4,607 |
| Loan loss allowance to noncurrent loans | 106.3380% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.5767% | 3,002 |
| Noncurrent loans to loans | 0.8879% | 2,325 |
| Net loans and leases to total assets | 64.3413% | 3,313 |
| Net loans and leases to deposits | 71.8878% | 3,719 |
| Net loans and leases to core deposits | 72.8944% | 4,021 |
| Total domestic deposits to total assets | 89.5024% | 858 |
| Equity capital to assets | 10.3915% | 3,286 |
| Core capital (leverage) ratio | 10.6582% | 2,712 |
| Tier 1 risk-based capital ratio | 14.1180% | 3,404 |
| Total risk-based capital ratio | 14.9459% | 3,561 |
| Memoranda: |
| Average total assets | $212,246,600 | 2,835 |
| Average earning assets | $196,604,200 | 2,829 |
| Average equity | $23,548,200 | 2,842 |
| Average total loans | $137,547,800 | 2,807 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1562% | 2,657 |
| Cost of funding earning assets | 0.6310% | 1,136 |
| Net interest margin | 3.5252% | 3,372 |
| Noninterest income to average assets | 0.4300% | 3,696 |
| Noninterest expense to average assets | 2.9727% | 2,391 |
| Loan and lease loss provision to assets | 0.3449% | 463 |
| Net operating income to assets | 0.3622% | 5,140 |
| Return on assets (ROA) | 0.3779% | 5,184 |
| Pretax return on assets | 0.3970% | 5,311 |
| Return on Equity (ROE) | 3.3504% | 5,124 |
| Retained earnings to average equity (ytd only) | 1.4021% | 4,949 |
| Net charge-offs to loans | 0.6806% | 278 |
| Credit loss provision to net charge-offs | 78.2421% | 2,687 |
| Earnings coverage of net charge-offs (x) | 1.6455% | 3,669 |
| Efficiency ratio | 80.3847% | 1,396 |
| Assets per employee ($millions) | 4.3945% | 3,261 |
| Cash dividends to net income (ytd only)* | 58.1513% | 1,499 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8969% | 4,883 |
| Loan loss allowance to noncurrent loans | 295.3380% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.2410% | 4,476 |
| Noncurrent loans to loans | 0.3037% | 4,164 |
| Net loans and leases to total assets | 65.0115% | 3,270 |
| Net loans and leases to deposits | 73.2100% | 3,672 |
| Net loans and leases to core deposits | 73.9405% | 4,008 |
| Total domestic deposits to total assets | 88.8014% | 1,005 |
| Equity capital to assets | 11.0462% | 2,958 |
| Core capital (leverage) ratio | 10.8974% | 2,569 |
| Tier 1 risk-based capital ratio | 14.2542% | 3,432 |
| Total risk-based capital ratio | 15.0471% | 3,598 |
| Memoranda: |
| Average total assets | $209,907,250 | 2,870 |
| Average earning assets | $194,596,750 | 2,861 |
| Average equity | $23,678,250 | 2,846 |
| Average total loans | $135,949,250 | 2,838 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1011% | 2,854 |
| Cost of funding earning assets | 0.6109% | 1,241 |
| Net interest margin | 3.4902% | 3,523 |
| Noninterest income to average assets | 0.4219% | 3,719 |
| Noninterest expense to average assets | 3.0005% | 2,343 |
| Loan and lease loss provision to assets | 0.3489% | 472 |
| Net operating income to assets | 0.2979% | 5,329 |
| Return on assets (ROA) | 0.3162% | 5,360 |
| Pretax return on assets | 0.3316% | 5,451 |
| Return on Equity (ROE) | 2.7831% | 5,306 |
| Retained earnings to average equity (ytd only) | 0.7275% | 5,084 |
| Net charge-offs to loans | 0.9048% | 210 |
| Credit loss provision to net charge-offs | 59.8023% | 2,581 |
| Earnings coverage of net charge-offs (x) | 1.1334% | 3,448 |
| Efficiency ratio | 81.9423% | 1,278 |
| Assets per employee ($millions) | 4.1991% | 3,570 |
| Cash dividends to net income (ytd only)* | 73.8602% | 1,063 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8502% | 5,128 |
| Loan loss allowance to noncurrent loans | 206.6901% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 4,339 |
| Noncurrent loans to loans | 0.4113% | 3,882 |
| Net loans and leases to total assets | 66.5427% | 3,008 |
| Net loans and leases to deposits | 75.5467% | 3,435 |
| Net loans and leases to core deposits | 76.0223% | 3,820 |
| Total domestic deposits to total assets | 88.0816% | 1,388 |
| Equity capital to assets | 11.5767% | 2,469 |
| Core capital (leverage) ratio | 10.8655% | 2,575 |
| Tier 1 risk-based capital ratio | 14.5182% | 3,310 |
| Total risk-based capital ratio | 15.2722% | 3,510 |
| Memoranda: |
| Average total assets | $208,099,330 | 2,903 |
| Average earning assets | $193,168,330 | 2,897 |
| Average equity | $23,642,330 | 2,862 |
| Average total loans | $134,180,000 | 2,866 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0172% | 3,158 |
| Cost of funding earning assets | 0.5863% | 1,438 |
| Net interest margin | 3.4310% | 3,759 |
| Noninterest income to average assets | 0.4262% | 3,639 |
| Noninterest expense to average assets | 2.9206% | 2,632 |
| Loan and lease loss provision to assets | 0.2389% | 758 |
| Net operating income to assets | 0.4224% | 4,927 |
| Return on assets (ROA) | 0.4587% | 4,874 |
| Pretax return on assets | 0.4817% | 5,139 |
| Return on Equity (ROE) | 4.0758% | 4,868 |
| Retained earnings to average equity (ytd only) | 1.4435% | 4,691 |
| Net charge-offs to loans | 0.9408% | 203 |
| Credit loss provision to net charge-offs | 40.1929% | 2,146 |
| Earnings coverage of net charge-offs (x) | 1.1479% | 2,861 |
| Efficiency ratio | 81.0610% | 1,479 |
| Assets per employee ($millions) | 4.2833% | 3,433 |
| Cash dividends to net income (ytd only)* | 64.5833% | 1,323 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9272% | 4,962 |
| Loan loss allowance to noncurrent loans | 85.5556% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 0.6985% | 2,970 |
| Noncurrent loans to loans | 1.0838% | 2,225 |
| Net loans and leases to total assets | 62.7200% | 3,424 |
| Net loans and leases to deposits | 70.8226% | 3,775 |
| Net loans and leases to core deposits | 71.2990% | 4,124 |
| Total domestic deposits to total assets | 88.5593% | 1,327 |
| Equity capital to assets | 11.2601% | 2,666 |
| Core capital (leverage) ratio | 11.0467% | 2,361 |
| Tier 1 risk-based capital ratio | 14.7650% | 3,257 |
| Total risk-based capital ratio | 15.5694% | 3,417 |
| Memoranda: |
| Average total assets | $209,270,000 | 2,902 |
| Average earning assets | $193,765,000 | 2,894 |
| Average equity | $23,553,500 | 2,872 |
| Average total loans | $132,224,500 | 2,901 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1432% | 2,761 |
| Cost of funding earning assets | 0.5418% | 1,831 |
| Net interest margin | 3.6014% | 3,131 |
| Noninterest income to average assets | 0.4207% | 3,889 |
| Noninterest expense to average assets | 2.9997% | 2,546 |
| Loan and lease loss provision to assets | 0.4579% | 261 |
| Net operating income to assets | 0.2729% | 5,432 |
| Return on assets (ROA) | 0.2913% | 5,468 |
| Pretax return on assets | 0.3058% | 5,510 |
| Return on Equity (ROE) | 2.6755% | 5,403 |
| Retained earnings to average equity (ytd only) | 2.1253% | 4,509 |
| Net charge-offs to loans | 0.2940% | 1,033 |
| Credit loss provision to net charge-offs | 260.4396% | 1,106 |
| Earnings coverage of net charge-offs (x) | 4.2335% | 3,589 |
| Efficiency ratio | 80.1187% | 1,658 |
| Assets per employee ($millions) | 4.0127% | 3,917 |
| Cash dividends to net income (ytd only)* | 20.5638% | 3,761 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0777% | 4,164 |
| Loan loss allowance to noncurrent loans | 146.4876% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.4764% | 3,720 |
| Noncurrent loans to loans | 0.7357% | 2,972 |
| Net loans and leases to total assets | 62.3801% | 3,505 |
| Net loans and leases to deposits | 70.4098% | 3,879 |
| Net loans and leases to core deposits | 70.7439% | 4,240 |
| Total domestic deposits to total assets | 88.5957% | 1,331 |
| Equity capital to assets | 11.2500% | 2,590 |
| Core capital (leverage) ratio | 10.8767% | 2,523 |
| Tier 1 risk-based capital ratio | 14.8211% | 3,262 |
| Total risk-based capital ratio | 15.7539% | 3,357 |
| Memoranda: |
| Average total assets | $207,020,000 | 2,881 |
| Average earning assets | $191,034,600 | 2,880 |
| Average equity | $22,538,200 | 2,919 |
| Average total loans | $123,822,000 | 2,991 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1237% | 2,841 |
| Cost of funding earning assets | 0.5446% | 1,848 |
| Net interest margin | 3.5791% | 3,239 |
| Noninterest income to average assets | 0.4169% | 3,955 |
| Noninterest expense to average assets | 3.0479% | 2,372 |
| Loan and lease loss provision to assets | 0.3711% | 349 |
| Net operating income to assets | 0.2827% | 5,507 |
| Return on assets (ROA) | 0.2827% | 5,577 |
| Pretax return on assets | 0.2975% | 5,643 |
| Return on Equity (ROE) | 2.6183% | 5,512 |
| Retained earnings to average equity (ytd only) | 2.1998% | 4,784 |
| Net charge-offs to loans | 0.3533% | 746 |
| Credit loss provision to net charge-offs | 178.0186% | 1,479 |
| Earnings coverage of net charge-offs (x) | 3.2074% | 3,542 |
| Efficiency ratio | 82.0108% | 1,394 |
| Assets per employee ($millions) | 4.0692% | 3,764 |
| Cash dividends to net income (ytd only)* | 15.9814% | 3,378 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8481% | 5,375 |
| Loan loss allowance to noncurrent loans | 80.8637% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 0.6828% | 3,205 |
| Noncurrent loans to loans | 1.0488% | 2,385 |
| Net loans and leases to total assets | 61.1804% | 3,708 |
| Net loans and leases to deposits | 69.5435% | 4,037 |
| Net loans and leases to core deposits | 69.9743% | 4,372 |
| Total domestic deposits to total assets | 87.9742% | 1,575 |
| Equity capital to assets | 10.8269% | 3,216 |
| Core capital (leverage) ratio | 11.0233% | 2,462 |
| Tier 1 risk-based capital ratio | 15.3172% | 3,133 |
| Total risk-based capital ratio | 16.0576% | 3,330 |
| Memoranda: |
| Average total assets | $206,610,500 | 2,902 |
| Average earning assets | $190,470,500 | 2,908 |
| Average equity | $22,304,250 | 2,954 |
| Average total loans | $121,882,750 | 3,048 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0953% | 2,911 |
| Cost of funding earning assets | 0.5429% | 1,880 |
| Net interest margin | 3.5523% | 3,277 |
| Noninterest income to average assets | 0.4130% | 3,984 |
| Noninterest expense to average assets | 2.9936% | 2,569 |
| Loan and lease loss provision to assets | 0.3054% | 500 |
| Net operating income to assets | 0.3674% | 5,242 |
| Return on assets (ROA) | 0.3674% | 5,352 |
| Pretax return on assets | 0.3868% | 5,492 |
| Return on Equity (ROE) | 3.4068% | 5,268 |
| Retained earnings to average equity (ytd only) | 2.7776% | 4,279 |
| Net charge-offs to loans | 0.1369% | 1,678 |
| Credit loss provision to net charge-offs | 384.1463% | 767 |
| Earnings coverage of net charge-offs (x) | 8.7073% | 2,536 |
| Efficiency ratio | 81.2204% | 1,593 |
| Assets per employee ($millions) | 3.9545% | 3,970 |
| Cash dividends to net income (ytd only)* | 18.4697% | 3,235 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8712% | 5,403 |
| Loan loss allowance to noncurrent loans | 113.9957% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 0.4775% | 4,023 |
| Noncurrent loans to loans | 0.7643% | 3,203 |
| Net loans and leases to total assets | 60.1948% | 3,801 |
| Net loans and leases to deposits | 69.0781% | 4,030 |
| Net loans and leases to core deposits | 69.5227% | 4,367 |
| Total domestic deposits to total assets | 87.1402% | 2,086 |
| Equity capital to assets | 11.1116% | 2,767 |
| Core capital (leverage) ratio | 10.9935% | 2,424 |
| Tier 1 risk-based capital ratio | 15.8732% | 2,917 |
| Total risk-based capital ratio | 16.6290% | 3,104 |
| Memoranda: |
| Average total assets | $206,304,330 | 2,934 |
| Average earning assets | $190,073,670 | 2,934 |
| Average equity | $22,249,330 | 2,978 |
| Average total loans | $119,826,000 | 3,083 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9794% | 3,300 |
| Cost of funding earning assets | 0.5361% | 1,962 |
| Net interest margin | 3.4433% | 3,649 |
| Noninterest income to average assets | 0.4065% | 3,949 |
| Noninterest expense to average assets | 2.8550% | 3,051 |
| Loan and lease loss provision to assets | 0.4027% | 286 |
| Net operating income to assets | 0.3087% | 5,387 |
| Return on assets (ROA) | 0.3087% | 5,491 |
| Pretax return on assets | 0.3260% | 5,586 |
| Return on Equity (ROE) | 2.9050% | 5,416 |
| Retained earnings to average equity (ytd only) | 2.4539% | 4,463 |
| Net charge-offs to loans | 0.1924% | 1,163 |
| Credit loss provision to net charge-offs | 368.4211% | 709 |
| Earnings coverage of net charge-offs (x) | 6.6667% | 2,259 |
| Efficiency ratio | 79.6683% | 1,935 |
| Assets per employee ($millions) | 4.0356% | 3,889 |
| Cash dividends to net income (ytd only)* | 15.5280% | 2,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8379% | 5,600 |
| Loan loss allowance to noncurrent loans | 96.7647% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 0.5699% | 3,772 |
| Noncurrent loans to loans | 0.8659% | 3,080 |
| Net loans and leases to total assets | 56.7558% | 4,118 |
| Net loans and leases to deposits | 64.4615% | 4,322 |
| Net loans and leases to core deposits | 64.8631% | 4,617 |
| Total domestic deposits to total assets | 88.0461% | 1,794 |
| Equity capital to assets | 10.8044% | 3,187 |
| Core capital (leverage) ratio | 10.8919% | 2,525 |
| Tier 1 risk-based capital ratio | 16.1007% | 2,873 |
| Total risk-based capital ratio | 16.8153% | 3,057 |
| Memoranda: |
| Average total assets | $208,615,500 | 2,926 |
| Average earning assets | $192,492,000 | 2,923 |
| Average equity | $22,169,000 | 3,004 |
| Average total loans | $118,504,500 | 3,113 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0752% | 3,420 |
| Cost of funding earning assets | 0.5743% | 2,009 |
| Net interest margin | 3.5010% | 3,787 |
| Noninterest income to average assets | 0.4631% | 3,759 |
| Noninterest expense to average assets | 2.8329% | 3,371 |
| Loan and lease loss provision to assets | 0.2654% | 831 |
| Net operating income to assets | 0.5948% | 4,397 |
| Return on assets (ROA) | 0.5948% | 4,480 |
| Pretax return on assets | 0.6218% | 4,865 |
| Return on Equity (ROE) | 5.4633% | 4,424 |
| Retained earnings to average equity (ytd only) | 4.6171% | 2,892 |
| Net charge-offs to loans | 0.2416% | 1,759 |
| Credit loss provision to net charge-offs | 197.7612% | 1,249 |
| Earnings coverage of net charge-offs (x) | 6.6119% | 3,166 |
| Efficiency ratio | 76.1507% | 2,485 |
| Assets per employee ($millions) | 4.8049% | 2,581 |
| Cash dividends to net income (ytd only)* | 15.4882% | 3,969 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6996% | 5,994 |
| Loan loss allowance to noncurrent loans | 193.0556% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.2767% | 4,927 |
| Noncurrent loans to loans | 0.3624% | 4,567 |
| Net loans and leases to total assets | 55.9920% | 4,336 |
| Net loans and leases to deposits | 63.3034% | 4,599 |
| Net loans and leases to core deposits | 63.6855% | 4,857 |
| Total domestic deposits to total assets | 88.4503% | 1,546 |
| Equity capital to assets | 10.4538% | 3,540 |
| Core capital (leverage) ratio | 10.9938% | 2,416 |
| Tier 1 risk-based capital ratio | 15.8118% | 3,050 |
| Total risk-based capital ratio | 16.4085% | 3,356 |
| Memoranda: |
| Average total assets | $199,727,000 | 3,003 |
| Average earning assets | $185,805,200 | 2,964 |
| Average equity | $21,745,200 | 2,979 |
| Average total loans | $110,940,200 | 3,199 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0719% | 3,478 |
| Cost of funding earning assets | 0.5808% | 2,013 |
| Net interest margin | 3.4912% | 3,870 |
| Noninterest income to average assets | 0.4756% | 3,714 |
| Noninterest expense to average assets | 2.7119% | 3,789 |
| Loan and lease loss provision to assets | 0.3082% | 626 |
| Net operating income to assets | 0.6741% | 4,085 |
| Return on assets (ROA) | 0.6741% | 4,173 |
| Pretax return on assets | 0.7093% | 4,675 |
| Return on Equity (ROE) | 6.1259% | 4,169 |
| Retained earnings to average equity (ytd only) | 6.1259% | 2,331 |
| Net charge-offs to loans | 0.2204% | 1,718 |
| Credit loss provision to net charge-offs | 252.7778% | 1,039 |
| Earnings coverage of net charge-offs (x) | 8.3446% | 2,814 |
| Efficiency ratio | 72.7157% | 3,058 |
| Assets per employee ($millions) | 4.4524% | 3,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7560% | 5,975 |
| Loan loss allowance to noncurrent loans | 50.6579% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 0.9673% | 3,033 |
| Noncurrent loans to loans | 1.4923% | 2,175 |
| Net loans and leases to total assets | 56.7607% | 4,231 |
| Net loans and leases to deposits | 64.8841% | 4,443 |
| Net loans and leases to core deposits | 65.3105% | 4,769 |
| Total domestic deposits to total assets | 87.4802% | 2,036 |
| Equity capital to assets | 11.2769% | 2,681 |
| Core capital (leverage) ratio | 11.3875% | 2,146 |
| Tier 1 risk-based capital ratio | 15.4440% | 3,352 |
| Total risk-based capital ratio | 16.0361% | 3,651 |
| Memoranda: |
| Average total assets | $196,804,750 | 3,053 |
| Average earning assets | $183,429,500 | 3,019 |
| Average equity | $21,656,250 | 2,988 |
| Average total loans | $108,872,750 | 3,263 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9825% | 3,802 |
| Cost of funding earning assets | 0.5781% | 2,089 |
| Net interest margin | 3.4044% | 4,155 |
| Noninterest income to average assets | 0.4820% | 3,618 |
| Noninterest expense to average assets | 2.6920% | 3,899 |
| Loan and lease loss provision to assets | 0.1065% | 2,240 |
| Net operating income to assets | 0.8258% | 3,202 |
| Return on assets (ROA) | 0.8412% | 3,219 |
| Pretax return on assets | 0.8848% | 3,939 |
| Return on Equity (ROE) | 7.7077% | 3,255 |
| Retained earnings to average equity (ytd only) | 7.7077% | 1,430 |
| Net charge-offs to loans | 0.1577% | 2,131 |
| Credit loss provision to net charge-offs | 123.5294% | 1,683 |
| Earnings coverage of net charge-offs (x) | 11.3059% | 2,170 |
| Efficiency ratio | 73.4090% | 3,082 |
| Assets per employee ($millions) | 4.5372% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5357% | 6,379 |
| Loan loss allowance to noncurrent loans | 35.1544% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 0.9416% | 3,182 |
| Noncurrent loans to loans | 1.5237% | 2,280 |
| Net loans and leases to total assets | 56.3440% | 4,235 |
| Net loans and leases to deposits | 64.3964% | 4,457 |
| Net loans and leases to core deposits | 64.8214% | 4,741 |
| Total domestic deposits to total assets | 87.4955% | 2,199 |
| Equity capital to assets | 11.2385% | 2,664 |
| Core capital (leverage) ratio | 10.9369% | 2,484 |
| Tier 1 risk-based capital ratio | 15.7434% | 3,226 |
| Total risk-based capital ratio | 16.1685% | 3,623 |
| Memoranda: |
| Average total assets | $197,104,670 | 3,069 |
| Average earning assets | $184,406,670 | 3,019 |
| Average equity | $21,511,000 | 2,997 |
| Average total loans | $107,815,670 | 3,288 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7826% | 4,563 |
| Cost of funding earning assets | 0.5613% | 2,329 |
| Net interest margin | 3.2213% | 4,854 |
| Noninterest income to average assets | 0.4220% | 4,017 |
| Noninterest expense to average assets | 2.5097% | 4,592 |
| Loan and lease loss provision to assets | 0.0606% | 2,893 |
| Net operating income to assets | 0.8339% | 2,986 |
| Return on assets (ROA) | 0.8339% | 3,057 |
| Pretax return on assets | 0.8763% | 3,806 |
| Return on Equity (ROE) | 7.7546% | 3,065 |
| Retained earnings to average equity (ytd only) | 7.7546% | 1,700 |
| Net charge-offs to loans | 0.1691% | 1,707 |
| Credit loss provision to net charge-offs | 66.6667% | 2,033 |
| Earnings coverage of net charge-offs (x) | 10.3111% | 1,871 |
| Efficiency ratio | 72.8178% | 3,336 |
| Assets per employee ($millions) | 4.5847% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5196% | 6,488 |
| Loan loss allowance to noncurrent loans | 36.6206% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 0.8114% | 3,711 |
| Noncurrent loans to loans | 1.4188% | 2,653 |
| Net loans and leases to total assets | 51.6933% | 4,703 |
| Net loans and leases to deposits | 60.1080% | 4,749 |
| Net loans and leases to core deposits | 60.4884% | 4,994 |
| Total domestic deposits to total assets | 86.0007% | 3,364 |
| Equity capital to assets | 10.4260% | 3,324 |
| Core capital (leverage) ratio | 11.1730% | 2,247 |
| Tier 1 risk-based capital ratio | 15.4230% | 3,484 |
| Total risk-based capital ratio | 15.8224% | 3,913 |
| Memoranda: |
| Average total assets | $198,108,000 | 3,072 |
| Average earning assets | $186,010,500 | 3,020 |
| Average equity | $21,303,500 | 3,018 |
| Average total loans | $106,464,500 | 3,330 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1664% | 3,471 |
| Cost of funding earning assets | 0.5824% | 2,813 |
| Net interest margin | 3.5839% | 3,531 |
| Noninterest income to average assets | 0.6540% | 2,785 |
| Noninterest expense to average assets | 2.6449% | 4,297 |
| Loan and lease loss provision to assets | 0.1328% | 2,651 |
| Net operating income to assets | 1.1944% | 1,589 |
| Return on assets (ROA) | 1.1950% | 1,654 |
| Pretax return on assets | 1.2579% | 2,324 |
| Return on Equity (ROE) | 11.0979% | 1,735 |
| Retained earnings to average equity (ytd only) | 6.6389% | 1,600 |
| Net charge-offs to loans | 0.2333% | 2,584 |
| Credit loss provision to net charge-offs | 109.6916% | 2,196 |
| Earnings coverage of net charge-offs (x) | 11.4802% | 2,238 |
| Efficiency ratio | 65.5473% | 4,643 |
| Assets per employee ($millions) | 4.3160% | 3,239 |
| Cash dividends to net income (ytd only)* | 40.1786% | 2,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5410% | 6,535 |
| Loan loss allowance to noncurrent loans | 135.2246% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 5,356 |
| Noncurrent loans to loans | 0.4001% | 5,010 |
| Net loans and leases to total assets | 55.3703% | 4,402 |
| Net loans and leases to deposits | 65.1138% | 4,397 |
| Net loans and leases to core deposits | 65.5669% | 4,732 |
| Total domestic deposits to total assets | 85.0362% | 3,730 |
| Equity capital to assets | 11.1092% | 2,514 |
| Core capital (leverage) ratio | 11.2640% | 2,147 |
| Tier 1 risk-based capital ratio | 15.6931% | 3,257 |
| Total risk-based capital ratio | 16.1186% | 3,690 |
| Memoranda: |
| Average total assets | $187,455,000 | 3,195 |
| Average earning assets | $176,845,200 | 3,117 |
| Average equity | $20,184,000 | 3,136 |
| Average total loans | $97,303,600 | 3,522 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1543% | 3,554 |
| Cost of funding earning assets | 0.5814% | 2,980 |
| Net interest margin | 3.5729% | 3,563 |
| Noninterest income to average assets | 0.5138% | 3,714 |
| Noninterest expense to average assets | 2.8087% | 3,630 |
| Loan and lease loss provision to assets | 0.1556% | 2,315 |
| Net operating income to assets | 0.8799% | 2,938 |
| Return on assets (ROA) | 0.8806% | 3,045 |
| Pretax return on assets | 0.9270% | 3,775 |
| Return on Equity (ROE) | 8.2447% | 3,002 |
| Retained earnings to average equity (ytd only) | 2.2315% | 4,981 |
| Net charge-offs to loans | -0.0294% | 6,159 |
| Credit loss provision to net charge-offs | -1,038.0952% | 6,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1937% | 3,368 |
| Assets per employee ($millions) | 4.2689% | 3,286 |
| Cash dividends to net income (ytd only)* | 72.9336% | 984 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5453% | 6,619 |
| Loan loss allowance to noncurrent loans | 106.7437% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2763% | 5,616 |
| Noncurrent loans to loans | 0.5108% | 4,913 |
| Net loans and leases to total assets | 53.7943% | 4,644 |
| Net loans and leases to deposits | 63.0309% | 4,626 |
| Net loans and leases to core deposits | 63.3725% | 4,967 |
| Total domestic deposits to total assets | 85.3459% | 3,566 |
| Equity capital to assets | 10.6963% | 3,076 |
| Core capital (leverage) ratio | 10.8938% | 2,575 |
| Tier 1 risk-based capital ratio | 15.4433% | 3,499 |
| Total risk-based capital ratio | 15.8692% | 3,949 |
| Memoranda: |
| Average total assets | $186,842,500 | 3,229 |
| Average earning assets | $176,582,000 | 3,151 |
| Average equity | $19,955,750 | 3,188 |
| Average total loans | $95,198,750 | 3,597 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3480% | 2,768 |
| Cost of funding earning assets | 0.5393% | 3,509 |
| Net interest margin | 3.8087% | 2,524 |
| Noninterest income to average assets | 0.6555% | 2,886 |
| Noninterest expense to average assets | 3.1597% | 2,483 |
| Loan and lease loss provision to assets | 0.3361% | 1,020 |
| Net operating income to assets | 0.7078% | 3,769 |
| Return on assets (ROA) | 0.7078% | 3,940 |
| Pretax return on assets | 0.7731% | 4,418 |
| Return on Equity (ROE) | 6.4580% | 3,901 |
| Retained earnings to average equity (ytd only) | -0.7157% | 5,998 |
| Net charge-offs to loans | 0.8037% | 782 |
| Credit loss provision to net charge-offs | 88.2353% | 2,478 |
| Earnings coverage of net charge-offs (x) | 2.9118% | 3,554 |
| Efficiency ratio | 74.0157% | 3,126 |
| Assets per employee ($millions) | 4.9126% | 2,208 |
| Cash dividends to net income (ytd only)* | 111.0818% | 422 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5557% | 6,659 |
| Loan loss allowance to noncurrent loans | 44.8382% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 0.6005% | 4,746 |
| Noncurrent loans to loans | 1.2394% | 3,476 |
| Net loans and leases to total assets | 48.1823% | 5,313 |
| Net loans and leases to deposits | 56.9850% | 5,248 |
| Net loans and leases to core deposits | 57.3698% | 5,479 |
| Total domestic deposits to total assets | 84.5527% | 4,106 |
| Equity capital to assets | 10.7710% | 2,974 |
| Core capital (leverage) ratio | 10.8537% | 2,500 |
| Tier 1 risk-based capital ratio | 15.4355% | 3,516 |
| Total risk-based capital ratio | 15.8214% | 4,019 |
| Memoranda: |
| Average total assets | $107,099,000 | 4,638 |
| Average earning assets | $101,610,330 | 4,529 |
| Average equity | $11,737,330 | 4,580 |
| Average total loans | $50,767,000 | 4,992 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5030% | 2,155 |
| Cost of funding earning assets | 0.5391% | 3,681 |
| Net interest margin | 3.9639% | 1,906 |
| Noninterest income to average assets | 0.5628% | 3,356 |
| Noninterest expense to average assets | 2.6039% | 4,395 |
| Loan and lease loss provision to assets | 0.5628% | 465 |
| Net operating income to assets | 1.0918% | 1,890 |
| Return on assets (ROA) | 1.0918% | 1,997 |
| Pretax return on assets | 1.1481% | 2,776 |
| Return on Equity (ROE) | 9.8765% | 2,108 |
| Retained earnings to average equity (ytd only) | 6.9577% | 2,175 |
| Net charge-offs to loans | 1.5930% | 330 |
| Credit loss provision to net charge-offs | 75.3769% | 2,220 |
| Earnings coverage of net charge-offs (x) | 2.2915% | 3,080 |
| Efficiency ratio | 60.3478% | 5,540 |
| Assets per employee ($millions) | 4.9548% | 2,272 |
| Cash dividends to net income (ytd only)* | 29.5533% | 2,106 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5478% | 6,755 |
| Loan loss allowance to noncurrent loans | 93.9929% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.2596% | 5,786 |
| Noncurrent loans to loans | 0.5828% | 4,985 |
| Net loans and leases to total assets | 44.3040% | 5,625 |
| Net loans and leases to deposits | 49.8508% | 5,797 |
| Net loans and leases to core deposits | 50.1678% | 5,965 |
| Total domestic deposits to total assets | 88.8731% | 1,752 |
| Equity capital to assets | 10.9058% | 3,068 |
| Core capital (leverage) ratio | 11.4215% | 1,926 |
| Tier 1 risk-based capital ratio | 16.0039% | 3,269 |
| Total risk-based capital ratio | 16.3620% | 3,719 |
| Memoranda: |
| Average total assets | $106,610,000 | 4,703 |
| Average earning assets | $100,909,500 | 4,599 |
| Average equity | $11,785,500 | 4,613 |
| Average total loans | $49,968,000 | 5,061 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4655% | 3,546 |
| Cost of funding earning assets | 0.6594% | 3,841 |
| Net interest margin | 3.8061% | 3,200 |
| Noninterest income to average assets | 0.8446% | 2,064 |
| Noninterest expense to average assets | 2.6381% | 4,607 |
| Loan and lease loss provision to assets | 0.2145% | 2,996 |
| Net operating income to assets | 1.5433% | 842 |
| Return on assets (ROA) | 1.5453% | 921 |
| Pretax return on assets | 1.6137% | 1,346 |
| Return on Equity (ROE) | 13.1755% | 1,185 |
| Retained earnings to average equity (ytd only) | 5.8345% | 2,170 |
| Net charge-offs to loans | 0.5646% | 2,038 |
| Credit loss provision to net charge-offs | 81.7121% | 3,774 |
| Earnings coverage of net charge-offs (x) | 6.9572% | 2,705 |
| Efficiency ratio | 59.0940% | 5,690 |
| Assets per employee ($millions) | 4.7370% | 2,593 |
| Cash dividends to net income (ytd only)* | 55.7171% | 2,024 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6131% | 6,742 |
| Loan loss allowance to noncurrent loans | 54.7826% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 0.7101% | 4,707 |
| Noncurrent loans to loans | 1.1192% | 3,972 |
| Net loans and leases to total assets | 48.9963% | 5,306 |
| Net loans and leases to deposits | 57.5018% | 5,297 |
| Net loans and leases to core deposits | 57.9008% | 5,554 |
| Total domestic deposits to total assets | 85.2083% | 3,761 |
| Equity capital to assets | 11.2106% | 2,721 |
| Core capital (leverage) ratio | 11.9826% | 1,574 |
| Tier 1 risk-based capital ratio | 15.9223% | 3,202 |
| Total risk-based capital ratio | 16.3516% | 3,615 |
| Memoranda: |
| Average total assets | $97,912,000 | 4,890 |
| Average earning assets | $93,113,000 | 4,772 |
| Average equity | $11,483,400 | 4,675 |
| Average total loans | $45,522,000 | 5,267 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5205% | 3,556 |
| Cost of funding earning assets | 0.6905% | 3,848 |
| Net interest margin | 3.8299% | 3,207 |
| Noninterest income to average assets | 0.8318% | 2,113 |
| Noninterest expense to average assets | 2.6448% | 4,589 |
| Loan and lease loss provision to assets | 0.0554% | 5,048 |
| Net operating income to assets | 1.7190% | 662 |
| Return on assets (ROA) | 1.7217% | 723 |
| Pretax return on assets | 1.7881% | 1,079 |
| Return on Equity (ROE) | 14.5068% | 999 |
| Retained earnings to average equity (ytd only) | 9.9238% | 936 |
| Net charge-offs to loans | -0.0393% | 6,645 |
| Credit loss provision to net charge-offs | -307.6923% | 6,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9633% | 5,667 |
| Assets per employee ($millions) | 4.8067% | 2,433 |
| Cash dividends to net income (ytd only)* | 31.5917% | 2,556 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8808% | 6,426 |
| Loan loss allowance to noncurrent loans | 37.2866% | 5,788 |
| Noncurrent assets plus other real estate owned to assets | 1.2661% | 3,766 |
| Noncurrent loans to loans | 2.3624% | 2,444 |
| Net loans and leases to total assets | 46.2641% | 5,739 |
| Net loans and leases to deposits | 52.6174% | 5,928 |
| Net loans and leases to core deposits | 52.9822% | 6,119 |
| Total domestic deposits to total assets | 87.9255% | 2,088 |
| Equity capital to assets | 11.7535% | 2,482 |
| Core capital (leverage) ratio | 12.1891% | 1,539 |
| Tier 1 risk-based capital ratio | 17.2067% | 2,649 |
| Total risk-based capital ratio | 17.8086% | 2,935 |
| Memoranda: |
| Average total assets | $96,336,500 | 4,981 |
| Average earning assets | $91,905,500 | 4,853 |
| Average equity | $11,433,500 | 4,723 |
| Average total loans | $44,058,500 | 5,389 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4449% | 4,003 |
| Cost of funding earning assets | 0.7203% | 3,846 |
| Net interest margin | 3.7246% | 3,706 |
| Noninterest income to average assets | 0.8861% | 1,835 |
| Noninterest expense to average assets | 2.5421% | 4,987 |
| Loan and lease loss provision to assets | 0.0211% | 5,400 |
| Net operating income to assets | 1.8250% | 536 |
| Return on assets (ROA) | 1.8291% | 602 |
| Pretax return on assets | 1.8945% | 858 |
| Return on Equity (ROE) | 15.3587% | 874 |
| Retained earnings to average equity (ytd only) | 10.4872% | 855 |
| Net charge-offs to loans | 0.0418% | 4,792 |
| Credit loss provision to net charge-offs | 111.1111% | 2,444 |
| Earnings coverage of net charge-offs (x) | 100.6667% | 425 |
| Efficiency ratio | 57.0820% | 5,984 |
| Assets per employee ($millions) | 4.6201% | 2,689 |
| Cash dividends to net income (ytd only)* | 31.7186% | 2,537 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7944% | 6,684 |
| Loan loss allowance to noncurrent loans | 43.1116% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 0.8678% | 4,642 |
| Noncurrent loans to loans | 1.8426% | 3,160 |
| Net loans and leases to total assets | 46.7255% | 5,754 |
| Net loans and leases to deposits | 53.2909% | 5,926 |
| Net loans and leases to core deposits | 53.6764% | 6,118 |
| Total domestic deposits to total assets | 87.6801% | 2,349 |
| Equity capital to assets | 11.9612% | 2,180 |
| Core capital (leverage) ratio | 12.0446% | 1,582 |
| Tier 1 risk-based capital ratio | 17.2827% | 2,554 |
| Total risk-based capital ratio | 17.8233% | 2,837 |
| Memoranda: |
| Average total assets | $94,802,000 | 5,044 |
| Average earning assets | $90,801,330 | 4,909 |
| Average equity | $11,290,000 | 4,753 |
| Average total loans | $43,040,000 | 5,469 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3399% | 4,566 |
| Cost of funding earning assets | 0.7501% | 3,862 |
| Net interest margin | 3.5898% | 4,308 |
| Noninterest income to average assets | 0.8496% | 1,949 |
| Noninterest expense to average assets | 2.4719% | 5,242 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7461% | 667 |
| Return on assets (ROA) | 1.7461% | 742 |
| Pretax return on assets | 1.8102% | 1,050 |
| Return on Equity (ROE) | 14.6957% | 1,043 |
| Retained earnings to average equity (ytd only) | 8.5875% | 1,739 |
| Net charge-offs to loans | 0.2973% | 2,473 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 13.6774% | 1,524 |
| Efficiency ratio | 57.7268% | 5,955 |
| Assets per employee ($millions) | 4.9663% | 2,290 |
| Cash dividends to net income (ytd only)* | 41.5648% | 1,712 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7849% | 6,767 |
| Loan loss allowance to noncurrent loans | 28.7077% | 6,234 |
| Noncurrent assets plus other real estate owned to assets | 1.1608% | 4,186 |
| Noncurrent loans to loans | 2.7340% | 2,385 |
| Net loans and leases to total assets | 42.1253% | 6,183 |
| Net loans and leases to deposits | 47.9889% | 6,289 |
| Net loans and leases to core deposits | 48.3270% | 6,436 |
| Total domestic deposits to total assets | 87.7815% | 2,478 |
| Equity capital to assets | 11.3285% | 2,600 |
| Core capital (leverage) ratio | 12.1796% | 1,492 |
| Tier 1 risk-based capital ratio | 17.4949% | 2,477 |
| Total risk-based capital ratio | 18.0095% | 2,737 |
| Memoranda: |
| Average total assets | $93,692,000 | 5,107 |
| Average earning assets | $89,586,500 | 4,978 |
| Average equity | $11,132,500 | 4,792 |
| Average total loans | $41,711,500 | 5,561 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7181% | 4,174 |
| Cost of funding earning assets | 0.8862% | 4,213 |
| Net interest margin | 3.8318% | 3,662 |
| Noninterest income to average assets | 1.0577% | 1,199 |
| Noninterest expense to average assets | 2.9703% | 3,700 |
| Loan and lease loss provision to assets | 0.2778% | 3,443 |
| Net operating income to assets | 1.3545% | 1,129 |
| Return on assets (ROA) | 1.3522% | 1,226 |
| Pretax return on assets | 1.4214% | 1,713 |
| Return on Equity (ROE) | 10.7445% | 1,786 |
| Retained earnings to average equity (ytd only) | 8.9348% | 825 |
| Net charge-offs to loans | 0.3189% | 3,797 |
| Credit loss provision to net charge-offs | 186.4000% | 1,388 |
| Earnings coverage of net charge-offs (x) | 11.4160% | 1,725 |
| Efficiency ratio | 63.5784% | 5,198 |
| Assets per employee ($millions) | 4.8922% | 2,329 |
| Cash dividends to net income (ytd only)* | 16.8430% | 3,659 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8776% | 6,584 |
| Loan loss allowance to noncurrent loans | 31.6710% | 6,098 |
| Noncurrent assets plus other real estate owned to assets | 1.2980% | 4,048 |
| Noncurrent loans to loans | 2.7708% | 2,362 |
| Net loans and leases to total assets | 46.4336% | 5,977 |
| Net loans and leases to deposits | 53.8219% | 6,086 |
| Net loans and leases to core deposits | 54.2575% | 6,284 |
| Total domestic deposits to total assets | 86.2728% | 3,154 |
| Equity capital to assets | 12.5064% | 1,793 |
| Core capital (leverage) ratio | 12.6487% | 1,290 |
| Tier 1 risk-based capital ratio | 18.0956% | 2,159 |
| Total risk-based capital ratio | 18.6904% | 2,370 |
| Memoranda: |
| Average total assets | $83,863,200 | 5,342 |
| Average earning assets | $79,100,400 | 5,257 |
| Average equity | $10,554,200 | 4,896 |
| Average total loans | $39,202,000 | 5,731 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7533% | 4,213 |
| Cost of funding earning assets | 0.9140% | 4,308 |
| Net interest margin | 3.8392% | 3,672 |
| Noninterest income to average assets | 1.0771% | 1,154 |
| Noninterest expense to average assets | 3.0654% | 3,298 |
| Loan and lease loss provision to assets | 0.1095% | 5,068 |
| Net operating income to assets | 1.4682% | 1,012 |
| Return on assets (ROA) | 1.4651% | 1,097 |
| Pretax return on assets | 1.5102% | 1,624 |
| Return on Equity (ROE) | 11.6222% | 1,641 |
| Retained earnings to average equity (ytd only) | 10.0513% | 830 |
| Net charge-offs to loans | 0.0414% | 5,575 |
| Credit loss provision to net charge-offs | 566.6667% | 484 |
| Earnings coverage of net charge-offs (x) | 83.9981% | 426 |
| Efficiency ratio | 65.3846% | 4,829 |
| Assets per employee ($millions) | 4.3250% | 3,225 |
| Cash dividends to net income (ytd only)* | 13.5169% | 3,171 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7716% | 6,859 |
| Loan loss allowance to noncurrent loans | 20.1299% | 6,673 |
| Noncurrent assets plus other real estate owned to assets | 1.8359% | 3,353 |
| Noncurrent loans to loans | 3.8333% | 1,752 |
| Net loans and leases to total assets | 46.0861% | 6,140 |
| Net loans and leases to deposits | 53.3390% | 6,266 |
| Net loans and leases to core deposits | 53.7765% | 6,473 |
| Total domestic deposits to total assets | 86.4022% | 2,985 |
| Equity capital to assets | 12.5516% | 1,888 |
| Core capital (leverage) ratio | 13.0639% | 1,206 |
| Tier 1 risk-based capital ratio | 18.4345% | 2,107 |
| Total risk-based capital ratio | 18.9609% | 2,325 |
| Memoranda: |
| Average total assets | $82,814,250 | 5,416 |
| Average earning assets | $77,895,500 | 5,331 |
| Average equity | $10,439,500 | 4,933 |
| Average total loans | $38,689,750 | 5,805 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7303% | 4,394 |
| Cost of funding earning assets | 0.9487% | 4,328 |
| Net interest margin | 3.7816% | 3,883 |
| Noninterest income to average assets | 1.0909% | 1,089 |
| Noninterest expense to average assets | 3.0839% | 3,314 |
| Loan and lease loss provision to assets | 0.1103% | 4,922 |
| Net operating income to assets | 1.4022% | 1,077 |
| Return on assets (ROA) | 1.4022% | 1,143 |
| Pretax return on assets | 1.4439% | 1,684 |
| Return on Equity (ROE) | 11.1064% | 1,764 |
| Retained earnings to average equity (ytd only) | 9.2230% | 1,044 |
| Net charge-offs to loans | 0.0105% | 5,706 |
| Credit loss provision to net charge-offs | 2,250.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 317.0000% | 105 |
| Efficiency ratio | 66.4905% | 4,777 |
| Assets per employee ($millions) | 3.9225% | 3,942 |
| Cash dividends to net income (ytd only)* | 16.9580% | 2,957 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7633% | 6,932 |
| Loan loss allowance to noncurrent loans | 19.2857% | 6,740 |
| Noncurrent assets plus other real estate owned to assets | 1.8696% | 3,409 |
| Noncurrent loans to loans | 3.9579% | 1,751 |
| Net loans and leases to total assets | 46.8764% | 6,168 |
| Net loans and leases to deposits | 55.1331% | 6,214 |
| Net loans and leases to core deposits | 55.6159% | 6,442 |
| Total domestic deposits to total assets | 85.0240% | 3,867 |
| Equity capital to assets | 12.8017% | 1,622 |
| Core capital (leverage) ratio | 12.7885% | 1,253 |
| Tier 1 risk-based capital ratio | 18.5511% | 1,989 |
| Total risk-based capital ratio | 19.0736% | 2,182 |
| Memoranda: |
| Average total assets | $81,586,000 | 5,496 |
| Average earning assets | $76,528,670 | 5,412 |
| Average equity | $10,300,330 | 4,971 |
| Average total loans | $38,195,000 | 5,881 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6445% | 4,763 |
| Cost of funding earning assets | 0.9847% | 4,309 |
| Net interest margin | 3.6598% | 4,282 |
| Noninterest income to average assets | 1.0001% | 1,325 |
| Noninterest expense to average assets | 3.0249% | 3,536 |
| Loan and lease loss provision to assets | 0.1133% | 4,603 |
| Net operating income to assets | 1.2513% | 1,386 |
| Return on assets (ROA) | 1.2513% | 1,439 |
| Pretax return on assets | 1.2858% | 2,079 |
| Return on Equity (ROE) | 9.9823% | 2,099 |
| Retained earnings to average equity (ytd only) | 8.4889% | 1,557 |
| Net charge-offs to loans | 0.0211% | 4,781 |
| Credit loss provision to net charge-offs | 1,150.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 142.0000% | 218 |
| Efficiency ratio | 68.3742% | 4,583 |
| Assets per employee ($millions) | 4.0069% | 3,823 |
| Cash dividends to net income (ytd only)* | 14.9606% | 2,302 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7349% | 7,031 |
| Loan loss allowance to noncurrent loans | 17.1768% | 6,864 |
| Noncurrent assets plus other real estate owned to assets | 1.9027% | 3,432 |
| Noncurrent loans to loans | 4.2783% | 1,665 |
| Net loans and leases to total assets | 44.1458% | 6,457 |
| Net loans and leases to deposits | 50.8835% | 6,557 |
| Net loans and leases to core deposits | 51.3109% | 6,716 |
| Total domestic deposits to total assets | 86.7584% | 3,084 |
| Equity capital to assets | 12.2243% | 1,777 |
| Core capital (leverage) ratio | 12.9294% | 1,142 |
| Tier 1 risk-based capital ratio | 21.0481% | 1,385 |
| Total risk-based capital ratio | 21.6108% | 1,488 |
| Memoranda: |
| Average total assets | $81,193,000 | 5,557 |
| Average earning assets | $75,961,000 | 5,475 |
| Average equity | $10,178,000 | 4,992 |
| Average total loans | $37,837,500 | 5,950 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0084% | 4,519 |
| Cost of funding earning assets | 1.1000% | 5,135 |
| Net interest margin | 3.9085% | 3,449 |
| Noninterest income to average assets | 1.1657% | 1,086 |
| Noninterest expense to average assets | 3.2740% | 2,818 |
| Loan and lease loss provision to assets | 0.0858% | 6,293 |
| Net operating income to assets | 1.3888% | 973 |
| Return on assets (ROA) | 1.3888% | 1,043 |
| Pretax return on assets | 1.4346% | 1,552 |
| Return on Equity (ROE) | 10.1220% | 1,879 |
| Retained earnings to average equity (ytd only) | 10.1220% | 501 |
| Net charge-offs to loans | 0.0670% | 6,126 |
| Credit loss provision to net charge-offs | 260.8696% | 1,080 |
| Earnings coverage of net charge-offs (x) | 46.2174% | 502 |
| Efficiency ratio | 68.2876% | 4,504 |
| Assets per employee ($millions) | 3.7258% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6640% | 7,185 |
| Loan loss allowance to noncurrent loans | 15.0563% | 6,987 |
| Noncurrent assets plus other real estate owned to assets | 2.1561% | 3,149 |
| Noncurrent loans to loans | 4.4100% | 1,621 |
| Net loans and leases to total assets | 48.5673% | 6,328 |
| Net loans and leases to deposits | 58.8390% | 6,173 |
| Net loans and leases to core deposits | 59.3973% | 6,443 |
| Total domestic deposits to total assets | 82.5426% | 5,000 |
| Equity capital to assets | 12.8703% | 1,453 |
| Core capital (leverage) ratio | 13.2918% | 1,031 |
| Tier 1 risk-based capital ratio | 18.4119% | 1,873 |
| Total risk-based capital ratio | 18.8763% | 2,086 |
| Memoranda: |
| Average total assets | $69,915,400 | 5,892 |
| Average earning assets | $64,910,600 | 5,832 |
| Average equity | $9,593,000 | 5,239 |
| Average total loans | $34,340,400 | 6,194 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0413% | 4,623 |
| Cost of funding earning assets | 1.1043% | 5,393 |
| Net interest margin | 3.9371% | 3,370 |
| Noninterest income to average assets | 1.2186% | 937 |
| Noninterest expense to average assets | 3.3355% | 2,466 |
| Loan and lease loss provision to assets | 0.1179% | 5,848 |
| Net operating income to assets | 1.3621% | 1,188 |
| Return on assets (ROA) | 1.3621% | 1,272 |
| Pretax return on assets | 1.4093% | 1,855 |
| Return on Equity (ROE) | 9.7531% | 2,225 |
| Retained earnings to average equity (ytd only) | 9.7531% | 851 |
| Net charge-offs to loans | 0.1119% | 5,421 |
| Credit loss provision to net charge-offs | 214.2857% | 1,633 |
| Earnings coverage of net charge-offs (x) | 27.7517% | 927 |
| Efficiency ratio | 68.5934% | 4,353 |
| Assets per employee ($millions) | 3.6490% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6987% | 7,200 |
| Loan loss allowance to noncurrent loans | 86.4583% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3946% | 6,428 |
| Noncurrent loans to loans | 0.8081% | 5,601 |
| Net loans and leases to total assets | 48.4927% | 6,473 |
| Net loans and leases to deposits | 56.2729% | 6,599 |
| Net loans and leases to core deposits | 56.8195% | 6,801 |
| Total domestic deposits to total assets | 86.1743% | 2,991 |
| Equity capital to assets | 13.4626% | 1,365 |
| Core capital (leverage) ratio | 14.1139% | 897 |
| Tier 1 risk-based capital ratio | 19.7004% | 1,605 |
| Total risk-based capital ratio | 20.1997% | 1,725 |
| Memoranda: |
| Average total assets | $67,833,750 | 6,006 |
| Average earning assets | $62,786,000 | 5,963 |
| Average equity | $9,473,750 | 5,351 |
| Average total loans | $33,362,000 | 6,328 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9699% | 5,082 |
| Cost of funding earning assets | 1.1353% | 5,486 |
| Net interest margin | 3.8346% | 3,739 |
| Noninterest income to average assets | 1.2553% | 822 |
| Noninterest expense to average assets | 3.3122% | 2,526 |
| Loan and lease loss provision to assets | 0.1815% | 5,053 |
| Net operating income to assets | 1.2583% | 1,405 |
| Return on assets (ROA) | 1.2583% | 1,475 |
| Pretax return on assets | 1.3067% | 2,063 |
| Return on Equity (ROE) | 8.8921% | 2,511 |
| Retained earnings to average equity (ytd only) | 8.8921% | 1,136 |
| Net charge-offs to loans | 0.0675% | 5,468 |
| Credit loss provision to net charge-offs | 545.4545% | 676 |
| Earnings coverage of net charge-offs (x) | 44.7273% | 661 |
| Efficiency ratio | 68.9981% | 4,379 |
| Assets per employee ($millions) | 3.5494% | 4,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7990% | 7,035 |
| Loan loss allowance to noncurrent loans | 110.8333% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.3559% | 6,540 |
| Noncurrent loans to loans | 0.7209% | 5,812 |
| Net loans and leases to total assets | 48.9739% | 6,548 |
| Net loans and leases to deposits | 57.3087% | 6,631 |
| Net loans and leases to core deposits | 58.3970% | 6,804 |
| Total domestic deposits to total assets | 85.4563% | 3,388 |
| Equity capital to assets | 14.1582% | 1,115 |
| Core capital (leverage) ratio | 13.9517% | 936 |
| Tier 1 risk-based capital ratio | 20.5882% | 1,411 |
| Total risk-based capital ratio | 21.1618% | 1,493 |
| Memoranda: |
| Average total assets | $66,118,330 | 6,099 |
| Average earning assets | $61,127,670 | 6,057 |
| Average equity | $9,356,670 | 5,399 |
| Average total loans | $32,603,000 | 6,401 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0869% | 4,595 |
| Cost of funding earning assets | 1.1067% | 5,871 |
| Net interest margin | 3.9802% | 2,959 |
| Noninterest income to average assets | 1.1549% | 929 |
| Noninterest expense to average assets | 2.9943% | 3,698 |
| Loan and lease loss provision to assets | 0.1833% | 4,679 |
| Net operating income to assets | 1.5766% | 785 |
| Return on assets (ROA) | 1.5766% | 839 |
| Pretax return on assets | 1.6255% | 1,204 |
| Return on Equity (ROE) | 11.1435% | 1,740 |
| Retained earnings to average equity (ytd only) | 11.1435% | 887 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3410% | 5,766 |
| Assets per employee ($millions) | 3.6417% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7709% | 7,200 |
| Loan loss allowance to noncurrent loans | 129.3194% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2760% | 6,787 |
| Noncurrent loans to loans | 0.5961% | 6,115 |
| Net loans and leases to total assets | 45.9468% | 6,836 |
| Net loans and leases to deposits | 53.3387% | 6,961 |
| Net loans and leases to core deposits | 54.8876% | 7,054 |
| Total domestic deposits to total assets | 86.1417% | 3,074 |
| Equity capital to assets | 13.5707% | 1,297 |
| Core capital (leverage) ratio | 14.7830% | 793 |
| Tier 1 risk-based capital ratio | 21.0166% | 1,337 |
| Total risk-based capital ratio | 21.5694% | 1,428 |
| Memoranda: |
| Average total assets | $65,458,500 | 6,190 |
| Average earning assets | $59,997,500 | 6,172 |
| Average equity | $9,261,000 | 5,468 |
| Average total loans | $32,258,000 | 6,502 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5773% | 3,714 |
| Cost of funding earning assets | 1.2103% | 6,625 |
| Net interest margin | 4.3670% | 1,526 |
| Noninterest income to average assets | 1.1825% | 1,102 |
| Noninterest expense to average assets | 3.8154% | 1,671 |
| Loan and lease loss provision to assets | 0.3369% | 4,785 |
| Net operating income to assets | 0.9332% | 2,074 |
| Return on assets (ROA) | 0.9332% | 2,127 |
| Pretax return on assets | 0.9871% | 2,632 |
| Return on Equity (ROE) | 6.1367% | 3,158 |
| Retained earnings to average equity (ytd only) | 4.1872% | 2,291 |
| Net charge-offs to loans | 0.5247% | 3,683 |
| Credit loss provision to net charge-offs | 129.8701% | 3,938 |
| Earnings coverage of net charge-offs (x) | 5.1039% | 2,686 |
| Efficiency ratio | 74.2380% | 3,849 |
| Assets per employee ($millions) | 3.2486% | 5,612 |
| Cash dividends to net income (ytd only)* | 31.7690% | 3,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6682% | 7,440 |
| Loan loss allowance to noncurrent loans | 183.8983% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.1912% | 6,992 |
| Noncurrent loans to loans | 0.3633% | 6,551 |
| Net loans and leases to total assets | 52.2649% | 6,393 |
| Net loans and leases to deposits | 62.2311% | 6,439 |
| Net loans and leases to core deposits | 70.5954% | 6,731 |
| Total domestic deposits to total assets | 83.9852% | 4,031 |
| Equity capital to assets | 14.7949% | 953 |
| Core capital (leverage) ratio | 14.8963% | 806 |
| Tier 1 risk-based capital ratio | 21.1355% | 1,270 |
| Total risk-based capital ratio | 21.6377% | 1,357 |
| Memoranda: |
| Average total assets | $59,364,800 | 6,376 |
| Average earning assets | $53,789,600 | 6,382 |
| Average equity | $9,027,600 | 5,594 |
| Average total loans | $29,349,000 | 6,668 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5920% | 3,912 |
| Cost of funding earning assets | 1.2245% | 6,825 |
| Net interest margin | 4.3675% | 1,539 |
| Noninterest income to average assets | 1.1365% | 1,218 |
| Noninterest expense to average assets | 3.6364% | 1,947 |
| Loan and lease loss provision to assets | 0.3856% | 4,007 |
| Net operating income to assets | 1.0004% | 2,054 |
| Return on assets (ROA) | 1.0004% | 2,116 |
| Pretax return on assets | 1.0549% | 2,720 |
| Return on Equity (ROE) | 6.5321% | 3,286 |
| Retained earnings to average equity (ytd only) | 6.5321% | 1,696 |
| Net charge-offs to loans | 0.7048% | 2,585 |
| Credit loss provision to net charge-offs | 112.5828% | 4,512 |
| Earnings coverage of net charge-offs (x) | 4.2053% | 3,222 |
| Efficiency ratio | 71.6265% | 4,309 |
| Assets per employee ($millions) | 3.0521% | 6,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6124% | 7,553 |
| Loan loss allowance to noncurrent loans | 487.1795% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 7,403 |
| Noncurrent loans to loans | 0.1257% | 7,166 |
| Net loans and leases to total assets | 50.5201% | 6,738 |
| Net loans and leases to deposits | 59.7775% | 6,841 |
| Net loans and leases to core deposits | 67.9715% | 7,075 |
| Total domestic deposits to total assets | 84.5137% | 3,472 |
| Equity capital to assets | 15.0636% | 989 |
| Core capital (leverage) ratio | 15.4209% | 782 |
| Tier 1 risk-based capital ratio | 22.1140% | 1,212 |
| Total risk-based capital ratio | 22.5709% | 1,297 |
| Memoranda: |
| Average total assets | $58,775,000 | 6,435 |
| Average earning assets | $53,027,000 | 6,456 |
| Average equity | $9,001,500 | 5,660 |
| Average total loans | $28,567,000 | 6,768 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5196% | 4,514 |
| Cost of funding earning assets | 1.2453% | 6,975 |
| Net interest margin | 4.2744% | 1,734 |
| Noninterest income to average assets | 1.0376% | 1,475 |
| Noninterest expense to average assets | 3.5298% | 2,254 |
| Loan and lease loss provision to assets | 0.0172% | 7,048 |
| Net operating income to assets | 1.2927% | 1,245 |
| Return on assets (ROA) | 1.2927% | 1,332 |
| Pretax return on assets | 1.3478% | 1,884 |
| Return on Equity (ROE) | 8.3921% | 2,613 |
| Retained earnings to average equity (ytd only) | 8.3921% | 1,095 |
| Net charge-offs to loans | -0.1225% | 7,977 |
| Credit loss provision to net charge-offs | -29.4118% | 6,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1127% | 4,390 |
| Assets per employee ($millions) | 2.9342% | 6,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6556% | 7,533 |
| Loan loss allowance to noncurrent loans | 55.7803% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 0.6322% | 5,833 |
| Noncurrent loans to loans | 1.1754% | 4,867 |
| Net loans and leases to total assets | 49.8356% | 6,883 |
| Net loans and leases to deposits | 59.5197% | 6,928 |
| Net loans and leases to core deposits | 67.1080% | 7,165 |
| Total domestic deposits to total assets | 83.7295% | 3,904 |
| Equity capital to assets | 15.5565% | 914 |
| Core capital (leverage) ratio | 15.3594% | 848 |
| Tier 1 risk-based capital ratio | 22.9892% | 1,133 |
| Total risk-based capital ratio | 23.4752% | 1,193 |
| Memoranda: |
| Average total assets | $58,019,670 | 6,510 |
| Average earning assets | $52,358,670 | 6,537 |
| Average equity | $8,937,000 | 5,703 |
| Average total loans | $27,746,670 | 6,862 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5958% | 4,381 |
| Cost of funding earning assets | 1.2686% | 7,122 |
| Net interest margin | 4.3272% | 1,527 |
| Noninterest income to average assets | 0.9499% | 1,640 |
| Noninterest expense to average assets | 3.5432% | 1,994 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2065% | 1,641 |
| Return on assets (ROA) | 1.2065% | 1,754 |
| Pretax return on assets | 1.2620% | 2,400 |
| Return on Equity (ROE) | 7.8724% | 3,207 |
| Retained earnings to average equity (ytd only) | 7.8724% | 1,869 |
| Net charge-offs to loans | -0.2528% | 8,044 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7374% | 3,866 |
| Assets per employee ($millions) | 2.8552% | 6,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6877% | 7,470 |
| Loan loss allowance to noncurrent loans | 55.4572% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 0.5654% | 5,783 |
| Noncurrent loans to loans | 1.2400% | 4,487 |
| Net loans and leases to total assets | 45.2802% | 7,240 |
| Net loans and leases to deposits | 53.4849% | 7,319 |
| Net loans and leases to core deposits | 61.6275% | 7,404 |
| Total domestic deposits to total assets | 84.6598% | 3,387 |
| Equity capital to assets | 14.8899% | 1,132 |
| Core capital (leverage) ratio | 15.7111% | 825 |
| Tier 1 risk-based capital ratio | 23.1854% | 1,171 |
| Total risk-based capital ratio | 23.6736% | 1,224 |
| Memoranda: |
| Average total assets | $57,688,000 | 6,552 |
| Average earning assets | $51,395,500 | 6,601 |
| Average equity | $8,841,000 | 5,758 |
| Average total loans | $26,901,000 | 6,944 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7780% | 6,509 |
| Cost of funding earning assets | 1.4563% | 7,675 |
| Net interest margin | 4.3217% | 1,912 |
| Noninterest income to average assets | 1.1702% | 1,128 |
| Noninterest expense to average assets | 3.8479% | 1,665 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1777% | 1,847 |
| Return on assets (ROA) | 1.1777% | 1,779 |
| Pretax return on assets | 1.2429% | 2,505 |
| Return on Equity (ROE) | 7.3785% | 3,333 |
| Retained earnings to average equity (ytd only) | 4.9268% | 2,071 |
| Net charge-offs to loans | 0.1752% | 4,445 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 15.1591% | 1,955 |
| Efficiency ratio | 75.5857% | 3,310 |
| Assets per employee ($millions) | 2.6389% | 6,923 |
| Cash dividends to net income (ytd only)* | 33.2278% | 3,984 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6462% | 7,559 |
| Loan loss allowance to noncurrent loans | 45.1187% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 0.6839% | 5,174 |
| Noncurrent loans to loans | 1.4321% | 3,655 |
| Net loans and leases to total assets | 47.4466% | 7,227 |
| Net loans and leases to deposits | 57.4384% | 7,237 |
| Net loans and leases to core deposits | 65.4983% | 7,378 |
| Total domestic deposits to total assets | 82.6043% | 3,946 |
| Equity capital to assets | 15.7969% | 978 |
| Core capital (leverage) ratio | 15.8266% | 858 |
| Tier 1 risk-based capital ratio | 25.0580% | 979 |
| Total risk-based capital ratio | 25.5474% | 1,031 |
| Memoranda: |
| Average total assets | $53,665,000 | 6,632 |
| Average earning assets | $48,684,400 | 6,648 |
| Average equity | $8,565,400 | 5,884 |
| Average total loans | $25,110,600 | 7,020 |
