| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8768% | 742 |
| Cost of funding earning assets | 1.6528% | 1,559 |
| Net interest margin | 4.2240% | 899 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 3.5321% | 558 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.7378% | 3,087 |
| Return on assets (ROA) | 0.7378% | 3,065 |
| Pretax return on assets | 0.6805% | 3,474 |
| Return on Equity (ROE) | 6.2400% | 3,476 |
| Retained earnings to average equity (ytd only) | 6.2361% | 2,160 |
| Net charge-offs to loans | 0.0467% | 1,411 |
| Credit loss provision to net charge-offs | 397.9167% | 790 |
| Earnings coverage of net charge-offs (x) | 22.7917% | 1,807 |
| Efficiency ratio | 81.0759% | 844 |
| Assets per employee ($millions) | 6.1559% | 2,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6184% | 805 |
| Loan loss allowance to noncurrent loans | 2,019.3182% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0622% | 3,158 |
| Noncurrent loans to loans | 0.0801% | 3,149 |
| Net loans and leases to total assets | 76.3000% | 1,078 |
| Net loans and leases to deposits | 88.9784% | 1,339 |
| Net loans and leases to core deposits | 98.8579% | 1,496 |
| Total domestic deposits to total assets | 85.7500% | 2,088 |
| Equity capital to assets | 13.1545% | 832 |
| Core capital (leverage) ratio | 14.0580% | 792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $132,697,600 | 3,524 |
| Average earning assets | $124,455,400 | 3,499 |
| Average equity | $15,698,800 | 3,207 |
| Average total loans | $102,788,400 | 3,146 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7182% | 770 |
| Cost of funding earning assets | 1.4901% | 1,636 |
| Net interest margin | 4.2281% | 884 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 3.5030% | 554 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 0.5906% | 3,567 |
| Return on assets (ROA) | 0.5906% | 3,553 |
| Pretax return on assets | 0.6898% | 3,574 |
| Return on Equity (ROE) | 5.1500% | 3,784 |
| Retained earnings to average equity (ytd only) | 5.1489% | 2,884 |
| Net charge-offs to loans | 0.0581% | 1,089 |
| Credit loss provision to net charge-offs | 400.0000% | 718 |
| Earnings coverage of net charge-offs (x) | 19.3409% | 1,837 |
| Efficiency ratio | 80.1122% | 849 |
| Assets per employee ($millions) | 6.0131% | 2,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6732% | 746 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 75.0800% | 1,229 |
| Net loans and leases to deposits | 86.9364% | 1,475 |
| Net loans and leases to core deposits | 94.5321% | 1,645 |
| Total domestic deposits to total assets | 86.3600% | 2,080 |
| Equity capital to assets | 12.6311% | 883 |
| Core capital (leverage) ratio | 14.2328% | 777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $130,475,500 | 3,556 |
| Average earning assets | $122,227,250 | 3,531 |
| Average equity | $14,967,250 | 3,260 |
| Average total loans | $101,034,750 | 3,167 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4782% | 861 |
| Cost of funding earning assets | 1.3065% | 1,690 |
| Net interest margin | 4.1717% | 969 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 3.4927% | 541 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 0.5083% | 3,790 |
| Return on assets (ROA) | 0.5083% | 3,800 |
| Pretax return on assets | 0.6100% | 3,781 |
| Return on Equity (ROE) | 4.6000% | 3,943 |
| Retained earnings to average equity (ytd only) | 4.5991% | 3,052 |
| Net charge-offs to loans | 0.0744% | 828 |
| Credit loss provision to net charge-offs | 408.1081% | 727 |
| Earnings coverage of net charge-offs (x) | 14.6216% | 1,872 |
| Efficiency ratio | 80.4975% | 810 |
| Assets per employee ($millions) | 5.2194% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7139% | 725 |
| Loan loss allowance to noncurrent loans | 3,363.4615% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 3,373 |
| Noncurrent loans to loans | 0.0510% | 3,346 |
| Net loans and leases to total assets | 76.8700% | 960 |
| Net loans and leases to deposits | 87.6173% | 1,376 |
| Net loans and leases to core deposits | 93.3526% | 1,606 |
| Total domestic deposits to total assets | 87.7300% | 1,697 |
| Equity capital to assets | 11.3271% | 1,262 |
| Core capital (leverage) ratio | 12.6989% | 1,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $127,867,000 | 3,595 |
| Average earning assets | $119,710,333 | 3,576 |
| Average equity | $14,133,333 | 3,343 |
| Average total loans | $99,512,000 | 3,175 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2448% | 898 |
| Cost of funding earning assets | 1.1921% | 1,476 |
| Net interest margin | 4.0526% | 1,173 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 3.5114% | 530 |
| Loan and lease loss provision to assets | 0.3700% | 219 |
| Net operating income to assets | 0.3034% | 4,248 |
| Return on assets (ROA) | 0.3034% | 4,209 |
| Pretax return on assets | 0.4046% | 4,125 |
| Return on Equity (ROE) | 2.7800% | 4,212 |
| Retained earnings to average equity (ytd only) | 2.7806% | 3,552 |
| Net charge-offs to loans | -0.0081% | 3,783 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.8718% | 715 |
| Assets per employee ($millions) | 5.0231% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7428% | 733 |
| Loan loss allowance to noncurrent loans | 1,580.1802% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 2,952 |
| Noncurrent loans to loans | 0.1103% | 2,972 |
| Net loans and leases to total assets | 75.7200% | 997 |
| Net loans and leases to deposits | 89.2756% | 1,109 |
| Net loans and leases to core deposits | 93.5810% | 1,419 |
| Total domestic deposits to total assets | 84.8100% | 2,902 |
| Equity capital to assets | 10.5665% | 1,538 |
| Core capital (leverage) ratio | 12.1424% | 1,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $126,558,500 | 3,653 |
| Average earning assets | $118,441,500 | 3,628 |
| Average equity | $13,810,000 | 3,408 |
| Average total loans | $98,244,000 | 3,228 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6314% | 582 |
| Cost of funding earning assets | 0.4076% | 2,029 |
| Net interest margin | 4.2238% | 502 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 3.9930% | 336 |
| Loan and lease loss provision to assets | 0.3900% | 183 |
| Net operating income to assets | -0.0664% | 4,588 |
| Return on assets (ROA) | -0.0664% | 4,575 |
| Pretax return on assets | -0.0754% | 4,568 |
| Return on Equity (ROE) | -0.5600% | 4,559 |
| Retained earnings to average equity (ytd only) | -0.5596% | 4,405 |
| Net charge-offs to loans | -0.0779% | 4,462 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 92.6598% | 250 |
| Assets per employee ($millions) | 4.9006% | 3,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3647% | 1,628 |
| Loan loss allowance to noncurrent loans | 1,108.4746% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 2,843 |
| Noncurrent loans to loans | 0.1231% | 2,903 |
| Net loans and leases to total assets | 77.1600% | 883 |
| Net loans and leases to deposits | 87.8721% | 1,181 |
| Net loans and leases to core deposits | 92.0007% | 1,393 |
| Total domestic deposits to total assets | 87.8100% | 2,140 |
| Equity capital to assets | 11.2802% | 1,154 |
| Core capital (leverage) ratio | 12.5804% | 1,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $110,016,800 | 3,834 |
| Average earning assets | $101,071,000 | 3,830 |
| Average equity | $13,045,800 | 3,566 |
| Average total loans | $77,070,800 | 3,453 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3875% | 599 |
| Cost of funding earning assets | 0.2645% | 2,548 |
| Net interest margin | 4.1230% | 492 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 4.0326% | 323 |
| Loan and lease loss provision to assets | 0.4200% | 130 |
| Net operating income to assets | -0.2545% | 4,654 |
| Return on assets (ROA) | -0.2545% | 4,633 |
| Pretax return on assets | -0.2170% | 4,619 |
| Return on Equity (ROE) | -2.1200% | 4,622 |
| Retained earnings to average equity (ytd only) | -2.1163% | 4,495 |
| Net charge-offs to loans | -0.0700% | 4,396 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 95.1722% | 212 |
| Assets per employee ($millions) | 4.5503% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3304% | 1,886 |
| Loan loss allowance to noncurrent loans | 1,988.3333% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0879% | 3,052 |
| Noncurrent loans to loans | 0.0669% | 3,400 |
| Net loans and leases to total assets | 74.7900% | 1,031 |
| Net loans and leases to deposits | 88.3300% | 1,009 |
| Net loans and leases to core deposits | 91.3796% | 1,212 |
| Total domestic deposits to total assets | 84.6700% | 3,356 |
| Equity capital to assets | 10.2657% | 1,480 |
| Core capital (leverage) ratio | 11.9705% | 1,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $106,892,000 | 3,885 |
| Average earning assets | $97,789,750 | 3,877 |
| Average equity | $12,852,250 | 3,625 |
| Average total loans | $72,376,750 | 3,546 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1390% | 715 |
| Cost of funding earning assets | 0.2729% | 1,990 |
| Net interest margin | 3.8660% | 655 |
| Noninterest income to average assets | 0.4811% | 2,305 |
| Noninterest expense to average assets | 4.1441% | 257 |
| Loan and lease loss provision to assets | 0.4365% | 124 |
| Net operating income to assets | -0.6208% | 4,692 |
| Return on assets (ROA) | -0.6208% | 4,680 |
| Pretax return on assets | -0.5820% | 4,663 |
| Return on Equity (ROE) | -4.8900% | 4,672 |
| Retained earnings to average equity (ytd only) | -4.8900% | 4,535 |
| Net charge-offs to loans | -0.1741% | 4,568 |
| Credit loss provision to net charge-offs | -387.9310% | 3,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.6390% | 151 |
| Assets per employee ($millions) | 4.3520% | 4,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4637% | 1,507 |
| Loan loss allowance to noncurrent loans | 5,242.8571% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 3,406 |
| Noncurrent loans to loans | 0.0279% | 3,749 |
| Net loans and leases to total assets | 65.5039% | 1,756 |
| Net loans and leases to deposits | 74.1895% | 1,849 |
| Net loans and leases to core deposits | 78.7938% | 1,791 |
| Total domestic deposits to total assets | 88.2927% | 2,463 |
| Equity capital to assets | 10.8323% | 1,293 |
| Core capital (leverage) ratio | 12.1961% | 1,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $103,087,000 | 3,960 |
| Average earning assets | $93,791,000 | 3,971 |
| Average equity | $13,088,000 | 3,673 |
| Average total loans | $66,611,000 | 3,683 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0358% | 721 |
| Cost of funding earning assets | 0.3090% | 1,562 |
| Net interest margin | 3.7267% | 715 |
| Noninterest income to average assets | 0.5262% | 2,013 |
| Noninterest expense to average assets | 4.1406% | 255 |
| Loan and lease loss provision to assets | 0.4569% | 107 |
| Net operating income to assets | -0.7669% | 4,727 |
| Return on assets (ROA) | -0.7669% | 4,722 |
| Pretax return on assets | -0.7261% | 4,712 |
| Return on Equity (ROE) | -5.5689% | 4,710 |
| Retained earnings to average equity (ytd only) | -5.5689% | 4,439 |
| Net charge-offs to loans | -0.3980% | 4,693 |
| Credit loss provision to net charge-offs | -180.6452% | 2,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9547% | 157 |
| Assets per employee ($millions) | 3.8538% | 4,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5290% | 1,465 |
| Loan loss allowance to noncurrent loans | 812.2951% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.1168% | 2,996 |
| Noncurrent loans to loans | 0.1882% | 2,876 |
| Net loans and leases to total assets | 59.1459% | 2,171 |
| Net loans and leases to deposits | 68.0137% | 2,152 |
| Net loans and leases to core deposits | 72.1128% | 2,094 |
| Total domestic deposits to total assets | 86.9618% | 2,939 |
| Equity capital to assets | 12.2412% | 875 |
| Core capital (leverage) ratio | 14.1005% | 564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $98,054,500 | 4,024 |
| Average earning assets | $88,013,000 | 4,043 |
| Average equity | $13,503,500 | 3,704 |
| Average total loans | $62,306,500 | 3,755 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0744% | 1,203 |
| Cost of funding earning assets | 0.4588% | 1,137 |
| Net interest margin | 3.6156% | 1,423 |
| Noninterest income to average assets | 0.7306% | 1,662 |
| Noninterest expense to average assets | 3.9431% | 302 |
| Loan and lease loss provision to assets | 0.5035% | 114 |
| Net operating income to assets | -0.4540% | 4,758 |
| Return on assets (ROA) | -0.4494% | 4,763 |
| Pretax return on assets | -0.4887% | 4,761 |
| Return on Equity (ROE) | -2.8559% | 4,751 |
| Retained earnings to average equity (ytd only) | -16.4565% | 4,802 |
| Net charge-offs to loans | 0.5185% | 158 |
| Credit loss provision to net charge-offs | 151.8519% | 1,484 |
| Earnings coverage of net charge-offs (x) | 0.0296% | 2,647 |
| Efficiency ratio | 99.7515% | 150 |
| Assets per employee ($millions) | 3.6751% | 4,543 |
| Cash dividends to net income (ytd only)* | -476.2295% | 4,834 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3645% | 2,073 |
| Loan loss allowance to noncurrent loans | 10,200.0000% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 4,005 |
| Noncurrent loans to loans | 0.0134% | 3,995 |
| Net loans and leases to total assets | 66.8730% | 1,390 |
| Net loans and leases to deposits | 80.2645% | 1,193 |
| Net loans and leases to core deposits | 86.2251% | 1,190 |
| Total domestic deposits to total assets | 83.3158% | 3,736 |
| Equity capital to assets | 15.6435% | 415 |
| Core capital (leverage) ratio | 16.0414% | 359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $81,434,400 | 4,192 |
| Average earning assets | $72,574,600 | 4,222 |
| Average equity | $12,815,600 | 3,846 |
| Average total loans | $52,072,400 | 3,961 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0323% | 1,462 |
| Cost of funding earning assets | 0.4759% | 1,178 |
| Net interest margin | 3.5564% | 1,709 |
| Noninterest income to average assets | 0.7892% | 1,560 |
| Noninterest expense to average assets | 3.7453% | 356 |
| Loan and lease loss provision to assets | 0.2420% | 390 |
| Net operating income to assets | -0.0284% | 4,753 |
| Return on assets (ROA) | -0.0284% | 4,763 |
| Pretax return on assets | -0.0251% | 4,759 |
| Return on Equity (ROE) | -0.1803% | 4,763 |
| Retained earnings to average equity (ytd only) | -18.6683% | 4,879 |
| Net charge-offs to loans | 0.6222% | 127 |
| Credit loss provision to net charge-offs | 61.9658% | 1,794 |
| Earnings coverage of net charge-offs (x) | 0.5556% | 2,401 |
| Efficiency ratio | 94.5148% | 222 |
| Assets per employee ($millions) | 3.5533% | 4,625 |
| Cash dividends to net income (ytd only)* | -10,252.9412% | 4,912 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3313% | 2,328 |
| Loan loss allowance to noncurrent loans | 1,680.0000% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 3,812 |
| Noncurrent loans to loans | 0.0792% | 3,694 |
| Net loans and leases to total assets | 53.3264% | 3,048 |
| Net loans and leases to deposits | 65.4999% | 2,679 |
| Net loans and leases to core deposits | 69.8100% | 2,616 |
| Total domestic deposits to total assets | 81.4145% | 4,029 |
| Equity capital to assets | 17.3949% | 309 |
| Core capital (leverage) ratio | 17.4680% | 292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $79,742,250 | 4,274 |
| Average earning assets | $71,157,250 | 4,298 |
| Average equity | $12,570,000 | 3,928 |
| Average total loans | $50,140,500 | 4,050 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1265% | 1,300 |
| Cost of funding earning assets | 0.4903% | 1,262 |
| Net interest margin | 3.6362% | 1,508 |
| Noninterest income to average assets | 0.8852% | 1,311 |
| Noninterest expense to average assets | 3.6621% | 383 |
| Loan and lease loss provision to assets | 0.3288% | 238 |
| Net operating income to assets | 0.1340% | 4,679 |
| Return on assets (ROA) | 0.1340% | 4,701 |
| Pretax return on assets | 0.1391% | 4,706 |
| Return on Equity (ROE) | 0.8818% | 4,717 |
| Retained earnings to average equity (ytd only) | -28.1167% | 4,921 |
| Net charge-offs to loans | 0.4949% | 165 |
| Credit loss provision to net charge-offs | 100.7752% | 1,356 |
| Earnings coverage of net charge-offs (x) | 1.4341% | 2,170 |
| Efficiency ratio | 88.6712% | 380 |
| Assets per employee ($millions) | 4.7296% | 3,903 |
| Cash dividends to net income (ytd only)* | 3,288.6792% | 4 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4686% | 1,694 |
| Loan loss allowance to noncurrent loans | 33,950.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 4,222 |
| Noncurrent loans to loans | 0.0043% | 4,237 |
| Net loans and leases to total assets | 56.6608% | 2,822 |
| Net loans and leases to deposits | 68.7487% | 2,541 |
| Net loans and leases to core deposits | 73.3229% | 2,480 |
| Total domestic deposits to total assets | 82.4173% | 3,839 |
| Equity capital to assets | 16.4098% | 383 |
| Core capital (leverage) ratio | 16.4516% | 342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $79,081,333 | 4,309 |
| Average earning assets | $70,568,333 | 4,334 |
| Average equity | $12,021,333 | 3,984 |
| Average total loans | $52,131,000 | 4,040 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3467% | 971 |
| Cost of funding earning assets | 0.5077% | 1,345 |
| Net interest margin | 3.8390% | 1,075 |
| Noninterest income to average assets | 0.6682% | 1,963 |
| Noninterest expense to average assets | 3.6725% | 381 |
| Loan and lease loss provision to assets | 0.0765% | 1,661 |
| Net operating income to assets | 0.3468% | 4,454 |
| Return on assets (ROA) | 0.3468% | 4,485 |
| Pretax return on assets | 0.3519% | 4,548 |
| Return on Equity (ROE) | 2.3787% | 4,564 |
| Retained earnings to average equity (ytd only) | -58.5920% | 4,966 |
| Net charge-offs to loans | 0.8860% | 87 |
| Credit loss provision to net charge-offs | 12.2951% | 1,444 |
| Earnings coverage of net charge-offs (x) | 0.6885% | 1,881 |
| Efficiency ratio | 89.5522% | 384 |
| Assets per employee ($millions) | 4.3456% | 4,240 |
| Cash dividends to net income (ytd only)* | 2,563.2353% | 2 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0521% | 3,640 |
| Loan loss allowance to noncurrent loans | 678.5714% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.3720% | 2,310 |
| Noncurrent loans to loans | 0.1550% | 3,555 |
| Net loans and leases to total assets | 68.5353% | 1,461 |
| Net loans and leases to deposits | 83.6321% | 1,189 |
| Net loans and leases to core deposits | 89.8094% | 1,243 |
| Total domestic deposits to total assets | 81.9486% | 3,903 |
| Equity capital to assets | 16.8983% | 318 |
| Core capital (leverage) ratio | 17.2069% | 301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $78,420,500 | 4,326 |
| Average earning assets | $70,122,500 | 4,355 |
| Average equity | $11,435,000 | 4,064 |
| Average total loans | $55,078,500 | 4,007 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4892% | 194 |
| Cost of funding earning assets | 0.6954% | 1,733 |
| Net interest margin | 4.7938% | 174 |
| Noninterest income to average assets | 0.7128% | 1,821 |
| Noninterest expense to average assets | 3.6399% | 571 |
| Loan and lease loss provision to assets | 0.2832% | 1,346 |
| Net operating income to assets | 1.0139% | 2,249 |
| Return on assets (ROA) | 1.0139% | 2,388 |
| Pretax return on assets | 1.0747% | 2,795 |
| Return on Equity (ROE) | 7.7090% | 2,926 |
| Retained earnings to average equity (ytd only) | 2.1005% | 3,785 |
| Net charge-offs to loans | 0.1721% | 965 |
| Credit loss provision to net charge-offs | 225.2747% | 2,046 |
| Earnings coverage of net charge-offs (x) | 10.8022% | 2,437 |
| Efficiency ratio | 72.8303% | 1,594 |
| Assets per employee ($millions) | 4.6247% | 3,786 |
| Cash dividends to net income (ytd only)* | 72.7520% | 864 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2076% | 2,904 |
| Loan loss allowance to noncurrent loans | 199.4100% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.6945% | 1,499 |
| Noncurrent loans to loans | 0.6056% | 2,183 |
| Net loans and leases to total assets | 70.3409% | 1,513 |
| Net loans and leases to deposits | 87.6988% | 1,122 |
| Net loans and leases to core deposits | 94.3302% | 1,224 |
| Total domestic deposits to total assets | 80.2073% | 4,014 |
| Equity capital to assets | 12.2768% | 1,434 |
| Core capital (leverage) ratio | 12.6067% | 1,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $72,391,200 | 4,352 |
| Average earning assets | $64,708,600 | 4,376 |
| Average equity | $9,521,400 | 4,246 |
| Average total loans | $52,871,400 | 4,048 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4645% | 248 |
| Cost of funding earning assets | 0.7356% | 1,828 |
| Net interest margin | 4.7289% | 239 |
| Noninterest income to average assets | 0.6946% | 1,819 |
| Noninterest expense to average assets | 3.6234% | 598 |
| Loan and lease loss provision to assets | 0.0847% | 3,252 |
| Net operating income to assets | 1.1595% | 1,788 |
| Return on assets (ROA) | 1.1595% | 1,901 |
| Pretax return on assets | 1.2216% | 2,316 |
| Return on Equity (ROE) | 8.6556% | 2,545 |
| Retained earnings to average equity (ytd only) | 4.3700% | 2,863 |
| Net charge-offs to loans | 0.2866% | 551 |
| Credit loss provision to net charge-offs | 40.1786% | 2,924 |
| Earnings coverage of net charge-offs (x) | 6.1964% | 2,669 |
| Efficiency ratio | 73.5013% | 1,459 |
| Assets per employee ($millions) | 4.4397% | 3,916 |
| Cash dividends to net income (ytd only)* | 49.5130% | 1,520 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8578% | 4,203 |
| Loan loss allowance to noncurrent loans | 157.6433% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.6996% | 1,669 |
| Noncurrent loans to loans | 0.5441% | 2,439 |
| Net loans and leases to total assets | 75.8026% | 1,125 |
| Net loans and leases to deposits | 96.1821% | 748 |
| Net loans and leases to core deposits | 104.7053% | 895 |
| Total domestic deposits to total assets | 78.8115% | 4,084 |
| Equity capital to assets | 12.9513% | 1,204 |
| Core capital (leverage) ratio | 12.8972% | 969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $70,834,000 | 4,376 |
| Average earning assets | $63,438,250 | 4,407 |
| Average equity | $9,488,750 | 4,267 |
| Average total loans | $52,094,750 | 4,091 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3742% | 422 |
| Cost of funding earning assets | 0.7788% | 1,939 |
| Net interest margin | 4.5954% | 415 |
| Noninterest income to average assets | 0.6985% | 1,742 |
| Noninterest expense to average assets | 3.8968% | 461 |
| Loan and lease loss provision to assets | 0.0866% | 3,200 |
| Net operating income to assets | 0.7563% | 3,197 |
| Return on assets (ROA) | 0.7563% | 3,313 |
| Pretax return on assets | 0.8198% | 3,534 |
| Return on Equity (ROE) | 5.5784% | 3,638 |
| Retained earnings to average equity (ytd only) | 1.2562% | 4,026 |
| Net charge-offs to loans | 0.0199% | 2,330 |
| Credit loss provision to net charge-offs | 600.0000% | 1,104 |
| Earnings coverage of net charge-offs (x) | 62.8000% | 936 |
| Efficiency ratio | 81.1298% | 809 |
| Assets per employee ($millions) | 4.3905% | 3,919 |
| Cash dividends to net income (ytd only)* | 77.4809% | 797 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0288% | 3,417 |
| Loan loss allowance to noncurrent loans | 171.4286% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.7463% | 1,656 |
| Noncurrent loans to loans | 0.6002% | 2,348 |
| Net loans and leases to total assets | 75.7834% | 1,167 |
| Net loans and leases to deposits | 96.2006% | 781 |
| Net loans and leases to core deposits | 104.1349% | 993 |
| Total domestic deposits to total assets | 78.7765% | 4,068 |
| Equity capital to assets | 12.7708% | 1,245 |
| Core capital (leverage) ratio | 12.7552% | 1,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $69,287,000 | 4,410 |
| Average earning assets | $61,888,000 | 4,438 |
| Average equity | $9,393,333 | 4,300 |
| Average total loans | $50,224,000 | 4,139 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5020% | 377 |
| Cost of funding earning assets | 0.8361% | 2,193 |
| Net interest margin | 4.6659% | 361 |
| Noninterest income to average assets | 0.7566% | 1,443 |
| Noninterest expense to average assets | 3.9273% | 544 |
| Loan and lease loss provision to assets | 0.0901% | 2,557 |
| Net operating income to assets | 0.8287% | 2,803 |
| Return on assets (ROA) | 0.8287% | 2,888 |
| Pretax return on assets | 0.8947% | 3,150 |
| Return on Equity (ROE) | 5.9202% | 3,341 |
| Retained earnings to average equity (ytd only) | 1.5444% | 3,585 |
| Net charge-offs to loans | -0.0171% | 4,277 |
| Credit loss provision to net charge-offs | -750.0000% | 3,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9511% | 1,141 |
| Assets per employee ($millions) | 3.9065% | 4,041 |
| Cash dividends to net income (ytd only)* | 73.9130% | 1,127 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2192% | 2,566 |
| Loan loss allowance to noncurrent loans | 303.1414% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.6098% | 2,177 |
| Noncurrent loans to loans | 0.4022% | 3,048 |
| Net loans and leases to total assets | 70.6404% | 2,143 |
| Net loans and leases to deposits | 83.3002% | 2,304 |
| Net loans and leases to core deposits | 90.0251% | 2,341 |
| Total domestic deposits to total assets | 84.8022% | 2,490 |
| Equity capital to assets | 13.8983% | 1,095 |
| Core capital (leverage) ratio | 14.0759% | 893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $66,611,000 | 4,458 |
| Average earning assets | $59,324,000 | 4,495 |
| Average equity | $9,324,000 | 4,327 |
| Average total loans | $46,760,000 | 4,212 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5306% | 531 |
| Cost of funding earning assets | 0.7987% | 2,688 |
| Net interest margin | 4.7319% | 435 |
| Noninterest income to average assets | 0.7844% | 1,494 |
| Noninterest expense to average assets | 3.7218% | 742 |
| Loan and lease loss provision to assets | 0.1897% | 1,078 |
| Net operating income to assets | 1.0524% | 2,647 |
| Return on assets (ROA) | 1.0524% | 2,740 |
| Pretax return on assets | 1.1096% | 3,135 |
| Return on Equity (ROE) | 7.5434% | 3,347 |
| Retained earnings to average equity (ytd only) | 1.9317% | 4,030 |
| Net charge-offs to loans | 0.2685% | 775 |
| Credit loss provision to net charge-offs | 100.8000% | 2,451 |
| Earnings coverage of net charge-offs (x) | 6.9040% | 2,922 |
| Efficiency ratio | 74.1229% | 1,588 |
| Assets per employee ($millions) | 3.9301% | 3,999 |
| Cash dividends to net income (ytd only)* | 74.3920% | 978 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2232% | 2,308 |
| Loan loss allowance to noncurrent loans | 327.3256% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.5777% | 2,160 |
| Noncurrent loans to loans | 0.3737% | 3,103 |
| Net loans and leases to total assets | 68.0502% | 2,675 |
| Net loans and leases to deposits | 80.3240% | 2,738 |
| Net loans and leases to core deposits | 86.8166% | 2,725 |
| Total domestic deposits to total assets | 84.7196% | 2,599 |
| Equity capital to assets | 14.0965% | 1,065 |
| Core capital (leverage) ratio | 13.9597% | 938 |
| Tier 1 risk-based capital ratio | 19.6643% | 1,378 |
| Total risk-based capital ratio | 20.8501% | 1,362 |
| Memoranda: |
| Average total assets | $66,419,400 | 4,492 |
| Average earning assets | $59,468,600 | 4,524 |
| Average equity | $9,266,400 | 4,337 |
| Average total loans | $46,547,000 | 4,250 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4864% | 596 |
| Cost of funding earning assets | 0.7796% | 2,818 |
| Net interest margin | 4.7068% | 494 |
| Noninterest income to average assets | 0.8041% | 1,403 |
| Noninterest expense to average assets | 3.7011% | 748 |
| Loan and lease loss provision to assets | 0.1910% | 938 |
| Net operating income to assets | 1.0715% | 2,683 |
| Return on assets (ROA) | 1.0715% | 2,770 |
| Pretax return on assets | 1.1359% | 3,185 |
| Return on Equity (ROE) | 7.7006% | 3,433 |
| Retained earnings to average equity (ytd only) | 2.5572% | 4,071 |
| Net charge-offs to loans | 0.2399% | 743 |
| Credit loss provision to net charge-offs | 113.0952% | 2,057 |
| Earnings coverage of net charge-offs (x) | 7.8570% | 2,706 |
| Efficiency ratio | 73.6106% | 1,629 |
| Assets per employee ($millions) | 3.9431% | 3,971 |
| Cash dividends to net income (ytd only)* | 66.7910% | 1,048 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1820% | 2,604 |
| Loan loss allowance to noncurrent loans | 169.7329% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.8294% | 1,662 |
| Noncurrent loans to loans | 0.6964% | 2,214 |
| Net loans and leases to total assets | 71.3395% | 2,275 |
| Net loans and leases to deposits | 84.4148% | 2,402 |
| Net loans and leases to core deposits | 91.8487% | 2,384 |
| Total domestic deposits to total assets | 84.5106% | 2,624 |
| Equity capital to assets | 14.0229% | 1,140 |
| Core capital (leverage) ratio | 14.0850% | 963 |
| Tier 1 risk-based capital ratio | 18.9624% | 1,572 |
| Total risk-based capital ratio | 20.1243% | 1,560 |
| Memoranda: |
| Average total assets | $66,321,500 | 4,549 |
| Average earning assets | $59,515,500 | 4,580 |
| Average equity | $9,228,500 | 4,387 |
| Average total loans | $46,676,750 | 4,295 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4417% | 627 |
| Cost of funding earning assets | 0.7509% | 2,886 |
| Net interest margin | 4.6907% | 497 |
| Noninterest income to average assets | 0.6961% | 1,732 |
| Noninterest expense to average assets | 3.7619% | 694 |
| Loan and lease loss provision to assets | 0.1907% | 925 |
| Net operating income to assets | 0.8958% | 3,302 |
| Return on assets (ROA) | 0.8958% | 3,366 |
| Pretax return on assets | 0.9594% | 3,680 |
| Return on Equity (ROE) | 6.4549% | 3,891 |
| Retained earnings to average equity (ytd only) | 1.7664% | 4,184 |
| Net charge-offs to loans | 0.0651% | 1,723 |
| Credit loss provision to net charge-offs | 420.0000% | 682 |
| Earnings coverage of net charge-offs (x) | 25.3333% | 1,598 |
| Efficiency ratio | 76.5866% | 1,324 |
| Assets per employee ($millions) | 3.9050% | 3,992 |
| Cash dividends to net income (ytd only)* | 72.6351% | 1,021 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2920% | 2,050 |
| Loan loss allowance to noncurrent loans | 88.4058% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.3693% | 884 |
| Noncurrent loans to loans | 1.4615% | 1,058 |
| Net loans and leases to total assets | 70.1996% | 2,503 |
| Net loans and leases to deposits | 82.8848% | 2,632 |
| Net loans and leases to core deposits | 90.2265% | 2,576 |
| Total domestic deposits to total assets | 84.6953% | 2,600 |
| Equity capital to assets | 13.9986% | 1,117 |
| Core capital (leverage) ratio | 13.9713% | 970 |
| Tier 1 risk-based capital ratio | 18.8514% | 1,589 |
| Total risk-based capital ratio | 20.0963% | 1,558 |
| Memoranda: |
| Average total assets | $66,084,330 | 4,586 |
| Average earning assets | $59,393,670 | 4,619 |
| Average equity | $9,171,330 | 4,413 |
| Average total loans | $46,104,670 | 4,338 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3337% | 712 |
| Cost of funding earning assets | 0.7188% | 2,948 |
| Net interest margin | 4.6150% | 594 |
| Noninterest income to average assets | 0.6916% | 1,643 |
| Noninterest expense to average assets | 3.7613% | 689 |
| Loan and lease loss provision to assets | 0.1941% | 832 |
| Net operating income to assets | 0.8372% | 3,494 |
| Return on assets (ROA) | 0.8372% | 3,534 |
| Pretax return on assets | 0.9039% | 3,755 |
| Return on Equity (ROE) | 6.0589% | 4,003 |
| Retained earnings to average equity (ytd only) | 1.5806% | 4,172 |
| Net charge-offs to loans | 0.1668% | 816 |
| Credit loss provision to net charge-offs | 168.4211% | 1,160 |
| Earnings coverage of net charge-offs (x) | 9.5263% | 2,021 |
| Efficiency ratio | 77.4032% | 1,338 |
| Assets per employee ($millions) | 3.9450% | 3,998 |
| Cash dividends to net income (ytd only)* | 73.9130% | 1,036 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2566% | 2,293 |
| Loan loss allowance to noncurrent loans | 93.1929% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 1.2466% | 1,066 |
| Noncurrent loans to loans | 1.3484% | 1,204 |
| Net loans and leases to total assets | 67.3720% | 2,845 |
| Net loans and leases to deposits | 79.1199% | 2,940 |
| Net loans and leases to core deposits | 86.8069% | 2,794 |
| Total domestic deposits to total assets | 85.1517% | 2,621 |
| Equity capital to assets | 13.6778% | 1,137 |
| Core capital (leverage) ratio | 14.0495% | 936 |
| Tier 1 risk-based capital ratio | 19.5205% | 1,432 |
| Total risk-based capital ratio | 20.7415% | 1,415 |
| Memoranda: |
| Average total assets | $65,934,000 | 4,639 |
| Average earning assets | $59,545,500 | 4,661 |
| Average equity | $9,110,500 | 4,451 |
| Average total loans | $45,551,000 | 4,397 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3860% | 491 |
| Cost of funding earning assets | 0.6291% | 2,531 |
| Net interest margin | 4.7569% | 435 |
| Noninterest income to average assets | 0.8042% | 1,433 |
| Noninterest expense to average assets | 3.6167% | 851 |
| Loan and lease loss provision to assets | 0.2044% | 919 |
| Net operating income to assets | 1.1650% | 2,333 |
| Return on assets (ROA) | 1.1650% | 2,323 |
| Pretax return on assets | 1.2341% | 2,761 |
| Return on Equity (ROE) | 8.6220% | 3,168 |
| Retained earnings to average equity (ytd only) | 2.2695% | 4,247 |
| Net charge-offs to loans | 0.4238% | 434 |
| Credit loss provision to net charge-offs | 70.8333% | 2,978 |
| Earnings coverage of net charge-offs (x) | 4.9844% | 3,236 |
| Efficiency ratio | 71.5433% | 1,964 |
| Assets per employee ($millions) | 3.8119% | 4,165 |
| Cash dividends to net income (ytd only)* | 73.6774% | 924 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2416% | 2,346 |
| Loan loss allowance to noncurrent loans | 81.3584% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.4043% | 864 |
| Noncurrent loans to loans | 1.5261% | 991 |
| Net loans and leases to total assets | 69.1033% | 2,715 |
| Net loans and leases to deposits | 81.3254% | 2,812 |
| Net loans and leases to core deposits | 89.6858% | 2,600 |
| Total domestic deposits to total assets | 84.9714% | 2,657 |
| Equity capital to assets | 13.9623% | 983 |
| Core capital (leverage) ratio | 13.9082% | 947 |
| Tier 1 risk-based capital ratio | 19.9464% | 1,318 |
| Total risk-based capital ratio | 21.1728% | 1,294 |
| Memoranda: |
| Average total assets | $66,525,200 | 4,642 |
| Average earning assets | $59,450,000 | 4,673 |
| Average equity | $8,988,600 | 4,464 |
| Average total loans | $45,300,200 | 4,428 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3406% | 488 |
| Cost of funding earning assets | 0.6123% | 2,391 |
| Net interest margin | 4.7283% | 441 |
| Noninterest income to average assets | 0.8105% | 1,436 |
| Noninterest expense to average assets | 3.5764% | 888 |
| Loan and lease loss provision to assets | 0.2091% | 810 |
| Net operating income to assets | 1.1689% | 2,373 |
| Return on assets (ROA) | 1.1689% | 2,378 |
| Pretax return on assets | 1.2386% | 2,850 |
| Return on Equity (ROE) | 8.7215% | 3,229 |
| Retained earnings to average equity (ytd only) | 2.3327% | 4,460 |
| Net charge-offs to loans | 0.2267% | 751 |
| Credit loss provision to net charge-offs | 136.3636% | 1,836 |
| Earnings coverage of net charge-offs (x) | 9.4419% | 2,642 |
| Efficiency ratio | 71.1851% | 2,008 |
| Assets per employee ($millions) | 3.9299% | 4,002 |
| Cash dividends to net income (ytd only)* | 73.2537% | 748 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3943% | 1,723 |
| Loan loss allowance to noncurrent loans | 119.4085% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.8427% | 1,757 |
| Noncurrent loans to loans | 1.1676% | 1,445 |
| Net loans and leases to total assets | 68.3855% | 2,880 |
| Net loans and leases to deposits | 80.2780% | 3,009 |
| Net loans and leases to core deposits | 88.3660% | 2,812 |
| Total domestic deposits to total assets | 85.1859% | 2,530 |
| Equity capital to assets | 13.4415% | 1,159 |
| Core capital (leverage) ratio | 13.7779% | 1,001 |
| Tier 1 risk-based capital ratio | 19.6454% | 1,410 |
| Total risk-based capital ratio | 20.8963% | 1,373 |
| Memoranda: |
| Average total assets | $66,955,750 | 4,683 |
| Average earning assets | $59,667,250 | 4,720 |
| Average equity | $8,973,750 | 4,501 |
| Average total loans | $45,289,250 | 4,474 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3190% | 453 |
| Cost of funding earning assets | 0.5977% | 2,239 |
| Net interest margin | 4.7213% | 413 |
| Noninterest income to average assets | 0.7790% | 1,540 |
| Noninterest expense to average assets | 3.5311% | 955 |
| Loan and lease loss provision to assets | 0.2179% | 757 |
| Net operating income to assets | 1.1581% | 2,358 |
| Return on assets (ROA) | 1.1581% | 2,360 |
| Pretax return on assets | 1.2268% | 2,842 |
| Return on Equity (ROE) | 8.6494% | 3,199 |
| Retained earnings to average equity (ytd only) | 2.4745% | 4,273 |
| Net charge-offs to loans | 0.1602% | 960 |
| Credit loss provision to net charge-offs | 202.7778% | 1,292 |
| Earnings coverage of net charge-offs (x) | 13.4444% | 2,150 |
| Efficiency ratio | 70.9658% | 2,169 |
| Assets per employee ($millions) | 4.1448% | 3,661 |
| Cash dividends to net income (ytd only)* | 71.3918% | 949 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4283% | 1,652 |
| Loan loss allowance to noncurrent loans | 111.7747% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.9545% | 1,579 |
| Noncurrent loans to loans | 1.2779% | 1,337 |
| Net loans and leases to total assets | 68.1620% | 2,839 |
| Net loans and leases to deposits | 79.9699% | 2,959 |
| Net loans and leases to core deposits | 88.0464% | 2,715 |
| Total domestic deposits to total assets | 85.2346% | 2,585 |
| Equity capital to assets | 13.5395% | 1,087 |
| Core capital (leverage) ratio | 13.7067% | 992 |
| Tier 1 risk-based capital ratio | 19.4937% | 1,435 |
| Total risk-based capital ratio | 20.7455% | 1,395 |
| Memoranda: |
| Average total assets | $67,005,000 | 4,739 |
| Average earning assets | $59,559,670 | 4,775 |
| Average equity | $8,971,670 | 4,539 |
| Average total loans | $44,941,330 | 4,526 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1780% | 510 |
| Cost of funding earning assets | 0.5798% | 2,174 |
| Net interest margin | 4.5982% | 501 |
| Noninterest income to average assets | 0.7424% | 1,650 |
| Noninterest expense to average assets | 3.5279% | 950 |
| Loan and lease loss provision to assets | 0.1901% | 889 |
| Net operating income to assets | 1.0512% | 2,641 |
| Return on assets (ROA) | 1.0512% | 2,653 |
| Pretax return on assets | 1.1225% | 3,084 |
| Return on Equity (ROE) | 7.8947% | 3,421 |
| Retained earnings to average equity (ytd only) | 2.0963% | 4,323 |
| Net charge-offs to loans | 0.2158% | 693 |
| Credit loss provision to net charge-offs | 133.3333% | 1,310 |
| Earnings coverage of net charge-offs (x) | 9.2083% | 1,978 |
| Efficiency ratio | 72.8834% | 2,058 |
| Assets per employee ($millions) | 4.4757% | 3,197 |
| Cash dividends to net income (ytd only)* | 73.4463% | 949 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3945% | 1,866 |
| Loan loss allowance to noncurrent loans | 136.7615% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.7284% | 2,132 |
| Noncurrent loans to loans | 1.0196% | 1,795 |
| Net loans and leases to total assets | 65.8300% | 3,059 |
| Net loans and leases to deposits | 76.8943% | 3,123 |
| Net loans and leases to core deposits | 84.9806% | 2,897 |
| Total domestic deposits to total assets | 85.6111% | 2,709 |
| Equity capital to assets | 13.3045% | 1,116 |
| Core capital (leverage) ratio | 13.5214% | 1,004 |
| Tier 1 risk-based capital ratio | 19.4544% | 1,447 |
| Total risk-based capital ratio | 20.7039% | 1,412 |
| Memoranda: |
| Average total assets | $67,349,000 | 4,789 |
| Average earning assets | $60,023,000 | 4,825 |
| Average equity | $8,968,000 | 4,587 |
| Average total loans | $44,483,000 | 4,581 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2236% | 428 |
| Cost of funding earning assets | 0.5434% | 2,000 |
| Net interest margin | 4.6802% | 438 |
| Noninterest income to average assets | 0.7651% | 1,710 |
| Noninterest expense to average assets | 3.5412% | 968 |
| Loan and lease loss provision to assets | 0.1887% | 1,116 |
| Net operating income to assets | 1.0941% | 1,877 |
| Return on assets (ROA) | 1.0871% | 1,924 |
| Pretax return on assets | 1.1544% | 2,966 |
| Return on Equity (ROE) | 8.1023% | 2,753 |
| Retained earnings to average equity (ytd only) | 2.1093% | 4,053 |
| Net charge-offs to loans | 0.1267% | 1,780 |
| Credit loss provision to net charge-offs | 242.3077% | 1,142 |
| Earnings coverage of net charge-offs (x) | 17.3462% | 2,135 |
| Efficiency ratio | 72.3906% | 2,166 |
| Assets per employee ($millions) | 3.9743% | 4,003 |
| Cash dividends to net income (ytd only)* | 73.9669% | 1,065 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3999% | 1,769 |
| Loan loss allowance to noncurrent loans | 149.2754% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.6453% | 2,390 |
| Noncurrent loans to loans | 0.9378% | 1,903 |
| Net loans and leases to total assets | 64.4258% | 3,311 |
| Net loans and leases to deposits | 75.1870% | 3,416 |
| Net loans and leases to core deposits | 83.1528% | 3,142 |
| Total domestic deposits to total assets | 85.6874% | 2,583 |
| Equity capital to assets | 13.3268% | 1,123 |
| Core capital (leverage) ratio | 13.2495% | 1,057 |
| Tier 1 risk-based capital ratio | 19.4787% | 1,415 |
| Total risk-based capital ratio | 20.7298% | 1,390 |
| Memoranda: |
| Average total assets | $66,785,800 | 4,828 |
| Average earning assets | $58,886,800 | 4,880 |
| Average equity | $8,960,400 | 4,619 |
| Average total loans | $41,026,000 | 4,700 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1851% | 427 |
| Cost of funding earning assets | 0.5424% | 1,945 |
| Net interest margin | 4.6427% | 458 |
| Noninterest income to average assets | 0.7548% | 1,759 |
| Noninterest expense to average assets | 3.5199% | 961 |
| Loan and lease loss provision to assets | 0.1902% | 1,021 |
| Net operating income to assets | 1.0451% | 2,354 |
| Return on assets (ROA) | 1.0451% | 2,391 |
| Pretax return on assets | 1.1232% | 3,220 |
| Return on Equity (ROE) | 7.7767% | 3,246 |
| Retained earnings to average equity (ytd only) | 2.3092% | 4,486 |
| Net charge-offs to loans | 0.2021% | 1,053 |
| Credit loss provision to net charge-offs | 155.7377% | 1,640 |
| Earnings coverage of net charge-offs (x) | 10.7542% | 2,561 |
| Efficiency ratio | 72.8252% | 2,067 |
| Assets per employee ($millions) | 4.0015% | 3,989 |
| Cash dividends to net income (ytd only)* | 70.3066% | 954 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3749% | 2,000 |
| Loan loss allowance to noncurrent loans | 174.0964% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.6204% | 2,657 |
| Noncurrent loans to loans | 0.7897% | 2,385 |
| Net loans and leases to total assets | 60.9502% | 3,771 |
| Net loans and leases to deposits | 71.3521% | 3,843 |
| Net loans and leases to core deposits | 78.8476% | 3,553 |
| Total domestic deposits to total assets | 85.4218% | 2,551 |
| Equity capital to assets | 13.3772% | 1,215 |
| Core capital (leverage) ratio | 13.2170% | 1,126 |
| Tier 1 risk-based capital ratio | 20.1332% | 1,336 |
| Total risk-based capital ratio | 21.3841% | 1,304 |
| Memoranda: |
| Average total assets | $66,591,500 | 4,886 |
| Average earning assets | $58,499,500 | 4,946 |
| Average equity | $8,949,500 | 4,670 |
| Average total loans | $40,246,000 | 4,773 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1088% | 461 |
| Cost of funding earning assets | 0.5294% | 1,923 |
| Net interest margin | 4.5794% | 494 |
| Noninterest income to average assets | 0.7744% | 1,668 |
| Noninterest expense to average assets | 3.5515% | 934 |
| Loan and lease loss provision to assets | 0.1906% | 977 |
| Net operating income to assets | 0.9832% | 2,515 |
| Return on assets (ROA) | 0.9832% | 2,561 |
| Pretax return on assets | 1.0618% | 3,334 |
| Return on Equity (ROE) | 7.3039% | 3,394 |
| Retained earnings to average equity (ytd only) | 2.2249% | 4,344 |
| Net charge-offs to loans | 0.1463% | 1,276 |
| Credit loss provision to net charge-offs | 217.2414% | 1,193 |
| Earnings coverage of net charge-offs (x) | 14.2759% | 2,084 |
| Efficiency ratio | 73.9295% | 2,028 |
| Assets per employee ($millions) | 3.9683% | 4,008 |
| Cash dividends to net income (ytd only)* | 69.5385% | 1,145 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4368% | 1,789 |
| Loan loss allowance to noncurrent loans | 112.4514% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.8612% | 2,060 |
| Noncurrent loans to loans | 1.2777% | 1,511 |
| Net loans and leases to total assets | 58.7732% | 3,947 |
| Net loans and leases to deposits | 68.8124% | 4,005 |
| Net loans and leases to core deposits | 76.0740% | 3,767 |
| Total domestic deposits to total assets | 85.4108% | 2,642 |
| Equity capital to assets | 13.4433% | 1,171 |
| Core capital (leverage) ratio | 13.2114% | 1,098 |
| Tier 1 risk-based capital ratio | 20.9475% | 1,195 |
| Total risk-based capital ratio | 22.1981% | 1,166 |
| Memoranda: |
| Average total assets | $66,113,330 | 4,930 |
| Average earning assets | $58,174,000 | 4,996 |
| Average equity | $8,899,330 | 4,696 |
| Average total loans | $39,648,000 | 4,818 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1032% | 439 |
| Cost of funding earning assets | 0.5236% | 1,911 |
| Net interest margin | 4.5796% | 452 |
| Noninterest income to average assets | 0.7702% | 1,666 |
| Noninterest expense to average assets | 3.5880% | 910 |
| Loan and lease loss provision to assets | 0.1956% | 849 |
| Net operating income to assets | 0.9169% | 2,676 |
| Return on assets (ROA) | 0.9169% | 2,730 |
| Pretax return on assets | 0.9963% | 3,386 |
| Return on Equity (ROE) | 6.8070% | 3,494 |
| Retained earnings to average equity (ytd only) | 1.6791% | 4,436 |
| Net charge-offs to loans | 0.0203% | 2,372 |
| Credit loss provision to net charge-offs | 1,600.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 97.5000% | 547 |
| Efficiency ratio | 75.0639% | 2,061 |
| Assets per employee ($millions) | 3.8735% | 4,222 |
| Cash dividends to net income (ytd only)* | 75.3333% | 1,054 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4435% | 1,887 |
| Loan loss allowance to noncurrent loans | 103.6101% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.9431% | 1,948 |
| Noncurrent loans to loans | 1.3932% | 1,450 |
| Net loans and leases to total assets | 59.5140% | 3,835 |
| Net loans and leases to deposits | 69.6575% | 3,835 |
| Net loans and leases to core deposits | 75.8423% | 3,666 |
| Total domestic deposits to total assets | 85.4381% | 2,907 |
| Equity capital to assets | 13.4776% | 1,073 |
| Core capital (leverage) ratio | 13.5911% | 946 |
| Tier 1 risk-based capital ratio | 21.2927% | 1,173 |
| Total risk-based capital ratio | 22.5462% | 1,160 |
| Memoranda: |
| Average total assets | $65,439,500 | 4,994 |
| Average earning assets | $57,297,000 | 5,064 |
| Average equity | $8,814,500 | 4,748 |
| Average total loans | $39,358,500 | 4,875 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2360% | 391 |
| Cost of funding earning assets | 0.5220% | 1,927 |
| Net interest margin | 4.7140% | 416 |
| Noninterest income to average assets | 0.7389% | 1,997 |
| Noninterest expense to average assets | 3.5003% | 1,157 |
| Loan and lease loss provision to assets | 0.2063% | 1,102 |
| Net operating income to assets | 1.1257% | 1,797 |
| Return on assets (ROA) | 1.1607% | 1,741 |
| Pretax return on assets | 1.2062% | 2,637 |
| Return on Equity (ROE) | 8.5299% | 2,654 |
| Retained earnings to average equity (ytd only) | 2.2301% | 4,265 |
| Net charge-offs to loans | 0.3506% | 774 |
| Credit loss provision to net charge-offs | 103.8168% | 2,497 |
| Earnings coverage of net charge-offs (x) | 6.9237% | 3,098 |
| Efficiency ratio | 71.7797% | 2,625 |
| Assets per employee ($millions) | 3.8252% | 4,259 |
| Cash dividends to net income (ytd only)* | 73.8562% | 1,147 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3966% | 2,096 |
| Loan loss allowance to noncurrent loans | 135.6608% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.7197% | 2,573 |
| Noncurrent loans to loans | 1.0294% | 2,022 |
| Net loans and leases to total assets | 59.0644% | 3,957 |
| Net loans and leases to deposits | 69.1095% | 3,998 |
| Net loans and leases to core deposits | 75.3694% | 3,808 |
| Total domestic deposits to total assets | 85.4649% | 2,848 |
| Equity capital to assets | 13.4617% | 1,069 |
| Core capital (leverage) ratio | 13.4772% | 980 |
| Tier 1 risk-based capital ratio | 21.6520% | 1,123 |
| Total risk-based capital ratio | 22.9023% | 1,105 |
| Memoranda: |
| Average total assets | $65,909,000 | 5,013 |
| Average earning assets | $57,849,000 | 5,075 |
| Average equity | $8,968,400 | 4,770 |
| Average total loans | $37,368,200 | 4,969 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2040% | 420 |
| Cost of funding earning assets | 0.5186% | 1,946 |
| Net interest margin | 4.6855% | 442 |
| Noninterest income to average assets | 0.7339% | 2,027 |
| Noninterest expense to average assets | 3.4457% | 1,256 |
| Loan and lease loss provision to assets | 0.2097% | 1,007 |
| Net operating income to assets | 1.1451% | 1,829 |
| Return on assets (ROA) | 1.1916% | 1,763 |
| Pretax return on assets | 1.2440% | 2,637 |
| Return on Equity (ROE) | 8.7340% | 2,639 |
| Retained earnings to average equity (ytd only) | 2.4680% | 4,445 |
| Net charge-offs to loans | 0.0974% | 1,972 |
| Credit loss provision to net charge-offs | 385.1852% | 864 |
| Earnings coverage of net charge-offs (x) | 25.8142% | 1,622 |
| Efficiency ratio | 71.0308% | 2,735 |
| Assets per employee ($millions) | 4.1413% | 3,709 |
| Cash dividends to net income (ytd only)* | 71.7429% | 979 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6185% | 1,415 |
| Loan loss allowance to noncurrent loans | 97.3144% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.0564% | 1,955 |
| Noncurrent loans to loans | 1.6632% | 1,277 |
| Net loans and leases to total assets | 56.5092% | 4,254 |
| Net loans and leases to deposits | 66.5488% | 4,298 |
| Net loans and leases to core deposits | 72.4502% | 4,123 |
| Total domestic deposits to total assets | 84.9140% | 2,841 |
| Equity capital to assets | 13.7549% | 1,140 |
| Core capital (leverage) ratio | 13.1409% | 1,137 |
| Tier 1 risk-based capital ratio | 22.5424% | 1,060 |
| Total risk-based capital ratio | 23.7997% | 1,042 |
| Memoranda: |
| Average total assets | $66,129,000 | 5,050 |
| Average earning assets | $58,107,500 | 5,113 |
| Average equity | $9,022,000 | 4,804 |
| Average total loans | $36,972,000 | 5,030 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2060% | 421 |
| Cost of funding earning assets | 0.5113% | 2,016 |
| Net interest margin | 4.6947% | 424 |
| Noninterest income to average assets | 0.7687% | 1,854 |
| Noninterest expense to average assets | 3.4652% | 1,231 |
| Loan and lease loss provision to assets | 0.2149% | 981 |
| Net operating income to assets | 1.1750% | 1,687 |
| Return on assets (ROA) | 1.1924% | 1,724 |
| Pretax return on assets | 1.2469% | 2,611 |
| Return on Equity (ROE) | 8.7640% | 2,599 |
| Retained earnings to average equity (ytd only) | 3.1141% | 3,924 |
| Net charge-offs to loans | 0.1093% | 1,733 |
| Credit loss provision to net charge-offs | 355.0000% | 847 |
| Earnings coverage of net charge-offs (x) | 23.8500% | 1,576 |
| Efficiency ratio | 70.5919% | 2,893 |
| Assets per employee ($millions) | 4.1149% | 3,716 |
| Cash dividends to net income (ytd only)* | 64.4670% | 1,357 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5667% | 1,626 |
| Loan loss allowance to noncurrent loans | 212.2302% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.7640% | 2,693 |
| Noncurrent loans to loans | 0.7382% | 2,890 |
| Net loans and leases to total assets | 56.3010% | 4,274 |
| Net loans and leases to deposits | 66.3564% | 4,319 |
| Net loans and leases to core deposits | 72.3250% | 4,144 |
| Total domestic deposits to total assets | 84.8464% | 2,940 |
| Equity capital to assets | 13.9036% | 1,061 |
| Core capital (leverage) ratio | 13.2088% | 1,087 |
| Tier 1 risk-based capital ratio | 22.8253% | 1,034 |
| Total risk-based capital ratio | 24.0818% | 1,018 |
| Memoranda: |
| Average total assets | $66,085,330 | 5,100 |
| Average earning assets | $58,279,000 | 5,159 |
| Average equity | $8,991,330 | 4,845 |
| Average total loans | $36,609,670 | 5,086 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1392% | 463 |
| Cost of funding earning assets | 0.5160% | 1,980 |
| Net interest margin | 4.6232% | 479 |
| Noninterest income to average assets | 0.7129% | 1,977 |
| Noninterest expense to average assets | 3.4437% | 1,289 |
| Loan and lease loss provision to assets | 0.2477% | 713 |
| Net operating income to assets | 1.0271% | 2,170 |
| Return on assets (ROA) | 1.0271% | 2,288 |
| Pretax return on assets | 1.0814% | 3,163 |
| Return on Equity (ROE) | 7.6319% | 3,117 |
| Retained earnings to average equity (ytd only) | 2.5589% | 4,220 |
| Net charge-offs to loans | 0.1995% | 999 |
| Credit loss provision to net charge-offs | 227.7778% | 1,000 |
| Earnings coverage of net charge-offs (x) | 12.2222% | 1,811 |
| Efficiency ratio | 72.1519% | 2,780 |
| Assets per employee ($millions) | 4.1584% | 3,657 |
| Cash dividends to net income (ytd only)* | 66.4706% | 1,273 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5131% | 1,928 |
| Loan loss allowance to noncurrent loans | 480.3419% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.5140% | 3,544 |
| Noncurrent loans to loans | 0.3150% | 4,303 |
| Net loans and leases to total assets | 54.9809% | 4,356 |
| Net loans and leases to deposits | 64.3850% | 4,404 |
| Net loans and leases to core deposits | 70.0530% | 4,241 |
| Total domestic deposits to total assets | 85.3939% | 2,958 |
| Equity capital to assets | 13.5059% | 1,179 |
| Core capital (leverage) ratio | 13.0642% | 1,132 |
| Tier 1 risk-based capital ratio | 21.8590% | 1,183 |
| Total risk-based capital ratio | 23.1118% | 1,166 |
| Memoranda: |
| Average total assets | $66,208,500 | 5,145 |
| Average earning assets | $58,141,500 | 5,213 |
| Average equity | $8,910,000 | 4,885 |
| Average total loans | $36,085,500 | 5,142 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1659% | 455 |
| Cost of funding earning assets | 0.5035% | 2,127 |
| Net interest margin | 4.6624% | 486 |
| Noninterest income to average assets | 0.7362% | 2,036 |
| Noninterest expense to average assets | 3.3479% | 1,612 |
| Loan and lease loss provision to assets | 0.2757% | 666 |
| Net operating income to assets | 1.0762% | 2,021 |
| Return on assets (ROA) | 1.0831% | 2,061 |
| Pretax return on assets | 1.1740% | 2,755 |
| Return on Equity (ROE) | 8.1556% | 2,868 |
| Retained earnings to average equity (ytd only) | 1.9049% | 4,639 |
| Net charge-offs to loans | 0.3177% | 945 |
| Credit loss provision to net charge-offs | 162.5000% | 1,653 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,939 |
| Efficiency ratio | 69.8925% | 3,243 |
| Assets per employee ($millions) | 3.8755% | 4,166 |
| Cash dividends to net income (ytd only)* | 76.6434% | 982 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5388% | 1,831 |
| Loan loss allowance to noncurrent loans | 306.2500% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.6390% | 3,140 |
| Noncurrent loans to loans | 0.5025% | 3,678 |
| Net loans and leases to total assets | 52.3489% | 4,661 |
| Net loans and leases to deposits | 61.1485% | 4,693 |
| Net loans and leases to core deposits | 66.6094% | 4,540 |
| Total domestic deposits to total assets | 85.6093% | 2,812 |
| Equity capital to assets | 13.4086% | 1,161 |
| Core capital (leverage) ratio | 13.0626% | 1,128 |
| Tier 1 risk-based capital ratio | 22.7864% | 1,043 |
| Total risk-based capital ratio | 24.0399% | 1,027 |
| Memoranda: |
| Average total assets | $66,012,400 | 5,178 |
| Average earning assets | $57,395,600 | 5,254 |
| Average equity | $8,767,000 | 4,900 |
| Average total loans | $35,248,400 | 5,186 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1624% | 462 |
| Cost of funding earning assets | 0.4970% | 2,240 |
| Net interest margin | 4.6654% | 481 |
| Noninterest income to average assets | 0.7167% | 2,160 |
| Noninterest expense to average assets | 3.3229% | 1,644 |
| Loan and lease loss provision to assets | 0.2766% | 574 |
| Net operating income to assets | 1.0827% | 2,085 |
| Return on assets (ROA) | 1.0901% | 2,137 |
| Pretax return on assets | 1.1810% | 2,884 |
| Return on Equity (ROE) | 8.2281% | 2,952 |
| Retained earnings to average equity (ytd only) | 2.1942% | 4,786 |
| Net charge-offs to loans | 0.3021% | 885 |
| Credit loss provision to net charge-offs | 171.2500% | 1,524 |
| Earnings coverage of net charge-offs (x) | 8.9753% | 2,751 |
| Efficiency ratio | 69.6277% | 3,261 |
| Assets per employee ($millions) | 3.8615% | 4,152 |
| Cash dividends to net income (ytd only)* | 73.3340% | 915 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4933% | 2,187 |
| Loan loss allowance to noncurrent loans | 473.8739% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.5118% | 3,780 |
| Noncurrent loans to loans | 0.3151% | 4,467 |
| Net loans and leases to total assets | 52.8562% | 4,674 |
| Net loans and leases to deposits | 61.9452% | 4,724 |
| Net loans and leases to core deposits | 67.5453% | 4,579 |
| Total domestic deposits to total assets | 85.3274% | 2,869 |
| Equity capital to assets | 13.4189% | 1,271 |
| Core capital (leverage) ratio | 12.9301% | 1,229 |
| Tier 1 risk-based capital ratio | 22.6430% | 1,104 |
| Total risk-based capital ratio | 23.8948% | 1,081 |
| Memoranda: |
| Average total assets | $66,044,750 | 5,240 |
| Average earning assets | $57,414,000 | 5,327 |
| Average equity | $8,750,250 | 4,966 |
| Average total loans | $35,303,500 | 5,237 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1162% | 488 |
| Cost of funding earning assets | 0.4873% | 2,375 |
| Net interest margin | 4.6289% | 507 |
| Noninterest income to average assets | 0.7132% | 2,164 |
| Noninterest expense to average assets | 3.3425% | 1,595 |
| Loan and lease loss provision to assets | 0.2750% | 598 |
| Net operating income to assets | 1.0255% | 2,261 |
| Return on assets (ROA) | 1.0366% | 2,314 |
| Pretax return on assets | 1.1273% | 3,064 |
| Return on Equity (ROE) | 7.8574% | 3,139 |
| Retained earnings to average equity (ytd only) | 2.0388% | 4,678 |
| Net charge-offs to loans | 0.3736% | 696 |
| Credit loss provision to net charge-offs | 137.8788% | 1,625 |
| Earnings coverage of net charge-offs (x) | 6.9697% | 2,716 |
| Efficiency ratio | 70.6258% | 3,239 |
| Assets per employee ($millions) | 4.1403% | 3,589 |
| Cash dividends to net income (ytd only)* | 74.0525% | 1,077 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4282% | 2,622 |
| Loan loss allowance to noncurrent loans | 454.1284% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.6476% | 3,477 |
| Noncurrent loans to loans | 0.3145% | 4,567 |
| Net loans and leases to total assets | 51.5745% | 4,795 |
| Net loans and leases to deposits | 60.1232% | 4,839 |
| Net loans and leases to core deposits | 65.4452% | 4,701 |
| Total domestic deposits to total assets | 85.7814% | 2,804 |
| Equity capital to assets | 13.0985% | 1,349 |
| Core capital (leverage) ratio | 12.8499% | 1,235 |
| Tier 1 risk-based capital ratio | 22.1191% | 1,188 |
| Total risk-based capital ratio | 23.3705% | 1,171 |
| Memoranda: |
| Average total assets | $66,177,670 | 5,297 |
| Average earning assets | $57,465,000 | 5,386 |
| Average equity | $8,730,670 | 5,003 |
| Average total loans | $35,330,000 | 5,284 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0653% | 514 |
| Cost of funding earning assets | 0.4762% | 2,492 |
| Net interest margin | 4.5892% | 510 |
| Noninterest income to average assets | 0.6773% | 2,267 |
| Noninterest expense to average assets | 3.3805% | 1,528 |
| Loan and lease loss provision to assets | 0.2782% | 550 |
| Net operating income to assets | 0.9494% | 2,514 |
| Return on assets (ROA) | 0.9494% | 2,647 |
| Pretax return on assets | 1.0401% | 3,341 |
| Return on Equity (ROE) | 7.1710% | 3,415 |
| Retained earnings to average equity (ytd only) | 2.0097% | 4,670 |
| Net charge-offs to loans | 0.6617% | 367 |
| Credit loss provision to net charge-offs | 77.9661% | 1,847 |
| Earnings coverage of net charge-offs (x) | 3.6949% | 2,578 |
| Efficiency ratio | 71.9434% | 3,180 |
| Assets per employee ($millions) | 3.9444% | 4,071 |
| Cash dividends to net income (ytd only)* | 71.9745% | 1,129 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2871% | 3,477 |
| Loan loss allowance to noncurrent loans | 165.8182% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.9172% | 2,804 |
| Noncurrent loans to loans | 0.7762% | 3,313 |
| Net loans and leases to total assets | 52.1550% | 4,648 |
| Net loans and leases to deposits | 60.7353% | 4,689 |
| Net loans and leases to core deposits | 66.0173% | 4,518 |
| Total domestic deposits to total assets | 85.8726% | 3,006 |
| Equity capital to assets | 13.1521% | 1,329 |
| Core capital (leverage) ratio | 12.7982% | 1,236 |
| Tier 1 risk-based capital ratio | 20.6586% | 1,490 |
| Total risk-based capital ratio | 21.7750% | 1,488 |
| Memoranda: |
| Average total assets | $66,144,500 | 5,352 |
| Average earning assets | $57,962,500 | 5,421 |
| Average equity | $8,757,500 | 5,048 |
| Average total loans | $35,665,000 | 5,312 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0021% | 771 |
| Cost of funding earning assets | 0.4565% | 3,107 |
| Net interest margin | 4.5456% | 685 |
| Noninterest income to average assets | 0.8500% | 1,681 |
| Noninterest expense to average assets | 3.2044% | 2,206 |
| Loan and lease loss provision to assets | 0.3544% | 534 |
| Net operating income to assets | 1.2610% | 1,400 |
| Return on assets (ROA) | 1.2956% | 1,366 |
| Pretax return on assets | 1.3838% | 1,939 |
| Return on Equity (ROE) | 10.4851% | 1,911 |
| Retained earnings to average equity (ytd only) | 2.7492% | 4,285 |
| Net charge-offs to loans | 1.8218% | 117 |
| Credit loss provision to net charge-offs | 37.8336% | 3,715 |
| Earnings coverage of net charge-offs (x) | 1.8163% | 4,330 |
| Efficiency ratio | 65.3177% | 4,355 |
| Assets per employee ($millions) | 3.6242% | 4,676 |
| Cash dividends to net income (ytd only)* | 73.7798% | 1,144 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3035% | 3,405 |
| Loan loss allowance to noncurrent loans | 93.0417% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.1543% | 2,457 |
| Noncurrent loans to loans | 1.4010% | 2,091 |
| Net loans and leases to total assets | 54.3175% | 4,544 |
| Net loans and leases to deposits | 63.3327% | 4,597 |
| Net loans and leases to core deposits | 69.5289% | 4,367 |
| Total domestic deposits to total assets | 85.7653% | 2,959 |
| Equity capital to assets | 13.3303% | 1,218 |
| Core capital (leverage) ratio | 12.6897% | 1,257 |
| Tier 1 risk-based capital ratio | 21.2537% | 1,350 |
| Total risk-based capital ratio | 22.4385% | 1,338 |
| Memoranda: |
| Average total assets | $68,000,800 | 5,345 |
| Average earning assets | $60,674,000 | 5,379 |
| Average equity | $8,402,400 | 5,105 |
| Average total loans | $34,965,200 | 5,364 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9304% | 873 |
| Cost of funding earning assets | 0.4478% | 3,276 |
| Net interest margin | 4.4825% | 768 |
| Noninterest income to average assets | 0.8113% | 1,846 |
| Noninterest expense to average assets | 3.1444% | 2,336 |
| Loan and lease loss provision to assets | 0.2717% | 769 |
| Net operating income to assets | 1.3005% | 1,369 |
| Return on assets (ROA) | 1.3005% | 1,425 |
| Pretax return on assets | 1.3975% | 2,016 |
| Return on Equity (ROE) | 10.7253% | 1,899 |
| Retained earnings to average equity (ytd only) | 2.5932% | 4,740 |
| Net charge-offs to loans | 2.3571% | 71 |
| Credit loss provision to net charge-offs | 22.8013% | 3,552 |
| Earnings coverage of net charge-offs (x) | 1.4006% | 4,166 |
| Efficiency ratio | 65.3226% | 4,322 |
| Assets per employee ($millions) | 3.8804% | 4,128 |
| Cash dividends to net income (ytd only)* | 75.8214% | 856 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1361% | 4,576 |
| Loan loss allowance to noncurrent loans | 96.7822% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 1.0945% | 2,766 |
| Noncurrent loans to loans | 1.1739% | 2,715 |
| Net loans and leases to total assets | 51.5773% | 4,849 |
| Net loans and leases to deposits | 60.1141% | 4,928 |
| Net loans and leases to core deposits | 65.9444% | 4,721 |
| Total domestic deposits to total assets | 85.7990% | 2,962 |
| Equity capital to assets | 12.9671% | 1,446 |
| Core capital (leverage) ratio | 12.4562% | 1,427 |
| Tier 1 risk-based capital ratio | 21.5378% | 1,339 |
| Total risk-based capital ratio | 22.5493% | 1,366 |
| Memoranda: |
| Average total assets | $68,692,250 | 5,382 |
| Average earning assets | $61,332,750 | 5,423 |
| Average equity | $8,329,000 | 5,167 |
| Average total loans | $34,731,000 | 5,425 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8613% | 978 |
| Cost of funding earning assets | 0.4437% | 3,400 |
| Net interest margin | 4.4176% | 823 |
| Noninterest income to average assets | 0.8448% | 1,684 |
| Noninterest expense to average assets | 3.1264% | 2,408 |
| Loan and lease loss provision to assets | 0.2672% | 780 |
| Net operating income to assets | 1.3046% | 1,292 |
| Return on assets (ROA) | 1.3046% | 1,345 |
| Pretax return on assets | 1.3994% | 1,890 |
| Return on Equity (ROE) | 11.0007% | 1,745 |
| Retained earnings to average equity (ytd only) | 3.4650% | 3,998 |
| Net charge-offs to loans | 3.0371% | 51 |
| Credit loss provision to net charge-offs | 17.5803% | 3,228 |
| Earnings coverage of net charge-offs (x) | 1.0964% | 3,891 |
| Efficiency ratio | 65.2278% | 4,482 |
| Assets per employee ($millions) | 4.1777% | 3,503 |
| Cash dividends to net income (ytd only)* | 68.5022% | 1,211 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2551% | 4,123 |
| Loan loss allowance to noncurrent loans | 164.3678% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.7166% | 3,836 |
| Noncurrent loans to loans | 0.7636% | 3,797 |
| Net loans and leases to total assets | 50.4944% | 4,906 |
| Net loans and leases to deposits | 58.6023% | 4,990 |
| Net loans and leases to core deposits | 63.0254% | 4,897 |
| Total domestic deposits to total assets | 86.1646% | 2,959 |
| Equity capital to assets | 12.7403% | 1,520 |
| Core capital (leverage) ratio | 12.2352% | 1,534 |
| Tier 1 risk-based capital ratio | 22.1193% | 1,244 |
| Total risk-based capital ratio | 23.2617% | 1,235 |
| Memoranda: |
| Average total assets | $69,600,670 | 5,403 |
| Average earning assets | $62,205,670 | 5,451 |
| Average equity | $8,254,000 | 5,201 |
| Average total loans | $34,836,330 | 5,463 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6299% | 1,423 |
| Cost of funding earning assets | 0.4368% | 3,577 |
| Net interest margin | 4.1932% | 1,240 |
| Noninterest income to average assets | 0.8171% | 1,688 |
| Noninterest expense to average assets | 3.1333% | 2,428 |
| Loan and lease loss provision to assets | 0.2649% | 790 |
| Net operating income to assets | 1.1102% | 1,780 |
| Return on assets (ROA) | 1.1102% | 1,832 |
| Pretax return on assets | 1.2060% | 2,467 |
| Return on Equity (ROE) | 9.7008% | 2,152 |
| Retained earnings to average equity (ytd only) | 2.7576% | 4,431 |
| Net charge-offs to loans | 5.9379% | 16 |
| Credit loss provision to net charge-offs | 9.0038% | 2,615 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 3,331 |
| Efficiency ratio | 68.0539% | 4,173 |
| Assets per employee ($millions) | 4.1284% | 3,666 |
| Cash dividends to net income (ytd only)* | 71.5736% | 1,119 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1380% | 4,937 |
| Loan loss allowance to noncurrent loans | 87.8378% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.1214% | 3,011 |
| Noncurrent loans to loans | 1.2955% | 2,861 |
| Net loans and leases to total assets | 48.2766% | 5,090 |
| Net loans and leases to deposits | 55.2724% | 5,176 |
| Net loans and leases to core deposits | 59.1608% | 5,110 |
| Total domestic deposits to total assets | 87.3431% | 2,604 |
| Equity capital to assets | 11.7008% | 2,102 |
| Core capital (leverage) ratio | 11.5824% | 1,910 |
| Tier 1 risk-based capital ratio | 21.5275% | 1,369 |
| Total risk-based capital ratio | 22.5490% | 1,394 |
| Memoranda: |
| Average total assets | $70,979,500 | 5,409 |
| Average earning assets | $64,104,500 | 5,435 |
| Average equity | $8,123,000 | 5,253 |
| Average total loans | $35,164,000 | 5,501 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4350% | 407 |
| Cost of funding earning assets | 0.5478% | 3,136 |
| Net interest margin | 4.8872% | 372 |
| Noninterest income to average assets | 0.8268% | 1,953 |
| Noninterest expense to average assets | 3.3776% | 1,930 |
| Loan and lease loss provision to assets | 0.2912% | 1,169 |
| Net operating income to assets | 1.3596% | 1,112 |
| Return on assets (ROA) | 1.3670% | 1,143 |
| Pretax return on assets | 1.4547% | 1,603 |
| Return on Equity (ROE) | 10.6679% | 1,874 |
| Retained earnings to average equity (ytd only) | 2.9328% | 4,157 |
| Net charge-offs to loans | -0.0106% | 6,028 |
| Credit loss provision to net charge-offs | -4,650.0000% | 6,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0239% | 4,553 |
| Assets per employee ($millions) | 4.2221% | 3,408 |
| Cash dividends to net income (ytd only)* | 72.5086% | 1,218 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3990% | 934 |
| Loan loss allowance to noncurrent loans | 48.0022% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 2.5789% | 1,319 |
| Noncurrent loans to loans | 4.9978% | 501 |
| Net loans and leases to total assets | 49.0289% | 5,192 |
| Net loans and leases to deposits | 55.7234% | 5,329 |
| Net loans and leases to core deposits | 61.3319% | 5,123 |
| Total domestic deposits to total assets | 87.9862% | 2,185 |
| Equity capital to assets | 11.1932% | 2,436 |
| Core capital (leverage) ratio | 11.0396% | 2,353 |
| Tier 1 risk-based capital ratio | 21.0294% | 1,414 |
| Total risk-based capital ratio | 22.2918% | 1,391 |
| Memoranda: |
| Average total assets | $63,862,800 | 5,654 |
| Average earning assets | $56,044,200 | 5,700 |
| Average equity | $8,183,400 | 5,290 |
| Average total loans | $37,829,000 | 5,431 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7105% | 274 |
| Cost of funding earning assets | 0.5691% | 3,086 |
| Net interest margin | 5.1415% | 237 |
| Noninterest income to average assets | 0.8639% | 1,881 |
| Noninterest expense to average assets | 3.4774% | 1,657 |
| Loan and lease loss provision to assets | 0.3016% | 1,123 |
| Net operating income to assets | 1.4270% | 1,039 |
| Return on assets (ROA) | 1.4370% | 1,069 |
| Pretax return on assets | 1.5534% | 1,461 |
| Return on Equity (ROE) | 10.8179% | 1,885 |
| Retained earnings to average equity (ytd only) | 2.5625% | 4,788 |
| Net charge-offs to loans | -0.0697% | 6,407 |
| Credit loss provision to net charge-offs | -700.0000% | 6,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3441% | 4,600 |
| Assets per employee ($millions) | 3.5791% | 4,694 |
| Cash dividends to net income (ytd only)* | 76.3120% | 891 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2172% | 1,300 |
| Loan loss allowance to noncurrent loans | 300.3597% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.6130% | 4,599 |
| Noncurrent loans to loans | 0.7382% | 4,370 |
| Net loans and leases to total assets | 60.5236% | 3,612 |
| Net loans and leases to deposits | 70.7411% | 3,678 |
| Net loans and leases to core deposits | 79.5872% | 3,167 |
| Total domestic deposits to total assets | 85.5565% | 3,468 |
| Equity capital to assets | 13.1451% | 1,269 |
| Core capital (leverage) ratio | 13.2093% | 1,127 |
| Tier 1 risk-based capital ratio | 20.9911% | 1,496 |
| Total risk-based capital ratio | 22.2534% | 1,467 |
| Memoranda: |
| Average total assets | $61,884,500 | 5,770 |
| Average earning assets | $53,653,750 | 5,835 |
| Average equity | $8,220,750 | 5,334 |
| Average total loans | $38,272,250 | 5,470 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7185% | 269 |
| Cost of funding earning assets | 0.5815% | 3,111 |
| Net interest margin | 5.1370% | 233 |
| Noninterest income to average assets | 0.8067% | 2,160 |
| Noninterest expense to average assets | 3.4677% | 1,681 |
| Loan and lease loss provision to assets | 0.2989% | 1,212 |
| Net operating income to assets | 1.3543% | 1,181 |
| Return on assets (ROA) | 1.3691% | 1,226 |
| Pretax return on assets | 1.4848% | 1,666 |
| Return on Equity (ROE) | 10.2712% | 2,096 |
| Retained earnings to average equity (ytd only) | 2.7728% | 4,548 |
| Net charge-offs to loans | -0.1871% | 6,644 |
| Credit loss provision to net charge-offs | -258.3333% | 5,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2370% | 4,506 |
| Assets per employee ($millions) | 3.6235% | 4,564 |
| Cash dividends to net income (ytd only)* | 73.0047% | 1,099 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1050% | 1,625 |
| Loan loss allowance to noncurrent loans | 875.0000% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 5,615 |
| Noncurrent loans to loans | 0.2406% | 5,701 |
| Net loans and leases to total assets | 60.7744% | 3,524 |
| Net loans and leases to deposits | 70.9975% | 3,587 |
| Net loans and leases to core deposits | 80.0432% | 3,016 |
| Total domestic deposits to total assets | 85.6006% | 3,582 |
| Equity capital to assets | 13.2224% | 1,248 |
| Core capital (leverage) ratio | 12.9062% | 1,201 |
| Tier 1 risk-based capital ratio | 20.5733% | 1,598 |
| Total risk-based capital ratio | 21.8326% | 1,564 |
| Memoranda: |
| Average total assets | $62,231,330 | 5,797 |
| Average earning assets | $53,650,000 | 5,871 |
| Average equity | $8,295,000 | 5,365 |
| Average total loans | $38,476,330 | 5,486 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7114% | 268 |
| Cost of funding earning assets | 0.5996% | 3,110 |
| Net interest margin | 5.1118% | 229 |
| Noninterest income to average assets | 0.7994% | 2,126 |
| Noninterest expense to average assets | 3.5238% | 1,573 |
| Loan and lease loss provision to assets | 0.3006% | 1,155 |
| Net operating income to assets | 1.2240% | 1,456 |
| Return on assets (ROA) | 1.2535% | 1,496 |
| Pretax return on assets | 1.3686% | 1,975 |
| Return on Equity (ROE) | 9.3668% | 2,328 |
| Retained earnings to average equity (ytd only) | 2.6284% | 4,708 |
| Net charge-offs to loans | -0.4249% | 6,830 |
| Credit loss provision to net charge-offs | -114.6341% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2776% | 4,258 |
| Assets per employee ($millions) | 3.7088% | 4,534 |
| Cash dividends to net income (ytd only)* | 71.9388% | 1,043 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0094% | 2,019 |
| Loan loss allowance to noncurrent loans | 218.3381% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.6550% | 4,734 |
| Noncurrent loans to loans | 0.9203% | 4,293 |
| Net loans and leases to total assets | 58.9358% | 3,620 |
| Net loans and leases to deposits | 68.7849% | 3,669 |
| Net loans and leases to core deposits | 77.8639% | 3,086 |
| Total domestic deposits to total assets | 85.6812% | 3,690 |
| Equity capital to assets | 13.2657% | 1,311 |
| Core capital (leverage) ratio | 12.8611% | 1,172 |
| Tier 1 risk-based capital ratio | 20.1939% | 1,722 |
| Total risk-based capital ratio | 21.4517% | 1,695 |
| Memoranda: |
| Average total assets | $62,547,000 | 5,849 |
| Average earning assets | $53,366,500 | 5,928 |
| Average equity | $8,370,000 | 5,394 |
| Average total loans | $38,593,500 | 5,525 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1006% | 235 |
| Cost of funding earning assets | 0.7063% | 3,449 |
| Net interest margin | 5.3943% | 198 |
| Noninterest income to average assets | 0.9403% | 1,739 |
| Noninterest expense to average assets | 3.4500% | 1,945 |
| Loan and lease loss provision to assets | 0.3975% | 1,637 |
| Net operating income to assets | 1.5981% | 761 |
| Return on assets (ROA) | 1.5981% | 845 |
| Pretax return on assets | 1.7019% | 1,133 |
| Return on Equity (ROE) | 12.1178% | 1,475 |
| Retained earnings to average equity (ytd only) | 3.2322% | 3,946 |
| Net charge-offs to loans | 0.2262% | 3,581 |
| Credit loss provision to net charge-offs | 273.6264% | 883 |
| Earnings coverage of net charge-offs (x) | 14.4505% | 1,734 |
| Efficiency ratio | 62.1692% | 5,207 |
| Assets per employee ($millions) | 3.6496% | 4,675 |
| Cash dividends to net income (ytd only)* | 73.3267% | 1,233 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7190% | 2,865 |
| Loan loss allowance to noncurrent loans | 119.2580% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 1.0541% | 3,922 |
| Noncurrent loans to loans | 1.4415% | 3,438 |
| Net loans and leases to total assets | 62.1994% | 3,217 |
| Net loans and leases to deposits | 72.6939% | 3,300 |
| Net loans and leases to core deposits | 82.0125% | 2,772 |
| Total domestic deposits to total assets | 85.5635% | 3,582 |
| Equity capital to assets | 13.5001% | 1,231 |
| Core capital (leverage) ratio | 12.8011% | 1,200 |
| Tier 1 risk-based capital ratio | 19.6513% | 1,772 |
| Total risk-based capital ratio | 20.9063% | 1,740 |
| Memoranda: |
| Average total assets | $62,637,000 | 5,860 |
| Average earning assets | $53,519,400 | 5,939 |
| Average equity | $8,260,600 | 5,429 |
| Average total loans | $40,228,800 | 5,491 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1305% | 241 |
| Cost of funding earning assets | 0.7262% | 3,550 |
| Net interest margin | 5.4043% | 202 |
| Noninterest income to average assets | 0.8409% | 2,071 |
| Noninterest expense to average assets | 3.4423% | 1,893 |
| Loan and lease loss provision to assets | 0.2931% | 2,241 |
| Net operating income to assets | 1.5948% | 856 |
| Return on assets (ROA) | 1.5948% | 955 |
| Pretax return on assets | 1.7201% | 1,216 |
| Return on Equity (ROE) | 12.1640% | 1,579 |
| Retained earnings to average equity (ytd only) | 3.0126% | 4,746 |
| Net charge-offs to loans | 0.1713% | 3,729 |
| Credit loss provision to net charge-offs | 265.3846% | 1,033 |
| Earnings coverage of net charge-offs (x) | 18.2312% | 1,572 |
| Efficiency ratio | 63.0985% | 4,960 |
| Assets per employee ($millions) | 3.6874% | 4,574 |
| Cash dividends to net income (ytd only)* | 75.2324% | 769 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5167% | 3,884 |
| Loan loss allowance to noncurrent loans | 202.0134% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.9635% | 4,356 |
| Noncurrent loans to loans | 0.7508% | 4,917 |
| Net loans and leases to total assets | 62.3594% | 3,324 |
| Net loans and leases to deposits | 73.0354% | 3,442 |
| Net loans and leases to core deposits | 82.6864% | 2,876 |
| Total domestic deposits to total assets | 85.3825% | 3,573 |
| Equity capital to assets | 13.3796% | 1,399 |
| Core capital (leverage) ratio | 12.5044% | 1,406 |
| Tier 1 risk-based capital ratio | 19.0940% | 1,984 |
| Total risk-based capital ratio | 20.3476% | 1,953 |
| Memoranda: |
| Average total assets | $62,785,250 | 5,923 |
| Average earning assets | $53,610,250 | 6,005 |
| Average equity | $8,231,750 | 5,490 |
| Average total loans | $40,469,500 | 5,552 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1775% | 230 |
| Cost of funding earning assets | 0.7331% | 3,736 |
| Net interest margin | 5.4444% | 192 |
| Noninterest income to average assets | 0.8532% | 1,952 |
| Noninterest expense to average assets | 3.4703% | 1,856 |
| Loan and lease loss provision to assets | 0.2929% | 2,238 |
| Net operating income to assets | 1.6237% | 803 |
| Return on assets (ROA) | 1.6237% | 892 |
| Pretax return on assets | 1.7479% | 1,143 |
| Return on Equity (ROE) | 12.4694% | 1,513 |
| Retained earnings to average equity (ytd only) | 3.0073% | 4,642 |
| Net charge-offs to loans | 0.0884% | 4,264 |
| Credit loss provision to net charge-offs | 511.1111% | 589 |
| Earnings coverage of net charge-offs (x) | 35.6111% | 965 |
| Efficiency ratio | 62.9694% | 5,085 |
| Assets per employee ($millions) | 3.6671% | 4,600 |
| Cash dividends to net income (ytd only)* | 75.8824% | 907 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4747% | 4,140 |
| Loan loss allowance to noncurrent loans | 129.9559% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 1.2367% | 3,939 |
| Noncurrent loans to loans | 1.1348% | 4,255 |
| Net loans and leases to total assets | 63.2281% | 3,194 |
| Net loans and leases to deposits | 73.8810% | 3,312 |
| Net loans and leases to core deposits | 84.5459% | 2,617 |
| Total domestic deposits to total assets | 85.5809% | 3,575 |
| Equity capital to assets | 13.2754% | 1,404 |
| Core capital (leverage) ratio | 12.4962% | 1,353 |
| Tier 1 risk-based capital ratio | 18.8495% | 2,009 |
| Total risk-based capital ratio | 20.1023% | 1,988 |
| Memoranda: |
| Average total assets | $62,818,670 | 5,953 |
| Average earning assets | $53,743,670 | 6,038 |
| Average equity | $8,180,000 | 5,519 |
| Average total loans | $40,728,670 | 5,565 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2205% | 225 |
| Cost of funding earning assets | 0.7349% | 3,988 |
| Net interest margin | 5.4856% | 189 |
| Noninterest income to average assets | 0.8373% | 2,001 |
| Noninterest expense to average assets | 3.5523% | 1,657 |
| Loan and lease loss provision to assets | 0.2918% | 2,132 |
| Net operating income to assets | 1.5541% | 937 |
| Return on assets (ROA) | 1.5541% | 1,049 |
| Pretax return on assets | 1.6810% | 1,356 |
| Return on Equity (ROE) | 12.0512% | 1,669 |
| Retained earnings to average equity (ytd only) | 3.7383% | 4,342 |
| Net charge-offs to loans | 0.1850% | 2,998 |
| Credit loss provision to net charge-offs | 242.1053% | 1,174 |
| Earnings coverage of net charge-offs (x) | 16.3684% | 1,371 |
| Efficiency ratio | 64.2939% | 4,874 |
| Assets per employee ($millions) | 3.7218% | 4,604 |
| Cash dividends to net income (ytd only)* | 68.9796% | 1,005 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3368% | 4,852 |
| Loan loss allowance to noncurrent loans | 412.8788% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.7239% | 5,100 |
| Noncurrent loans to loans | 0.3238% | 6,027 |
| Net loans and leases to total assets | 63.5736% | 2,927 |
| Net loans and leases to deposits | 73.8728% | 3,131 |
| Net loans and leases to core deposits | 84.6978% | 2,452 |
| Total domestic deposits to total assets | 86.0582% | 3,496 |
| Equity capital to assets | 12.8987% | 1,488 |
| Core capital (leverage) ratio | 12.2982% | 1,436 |
| Tier 1 risk-based capital ratio | 18.3084% | 2,201 |
| Total risk-based capital ratio | 19.5586% | 2,173 |
| Memoranda: |
| Average total assets | $63,057,500 | 5,982 |
| Average earning assets | $53,886,500 | 6,068 |
| Average equity | $8,132,000 | 5,553 |
| Average total loans | $41,089,500 | 5,596 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5386% | 173 |
| Cost of funding earning assets | 0.8357% | 4,578 |
| Net interest margin | 5.7029% | 130 |
| Noninterest income to average assets | 0.9118% | 1,635 |
| Noninterest expense to average assets | 3.4580% | 2,098 |
| Loan and lease loss provision to assets | 0.4339% | 2,432 |
| Net operating income to assets | 1.8334% | 433 |
| Return on assets (ROA) | 1.8334% | 464 |
| Pretax return on assets | 1.9508% | 590 |
| Return on Equity (ROE) | 14.3642% | 854 |
| Retained earnings to average equity (ytd only) | 3.8978% | 3,441 |
| Net charge-offs to loans | 0.5529% | 2,804 |
| Credit loss provision to net charge-offs | 120.9091% | 2,626 |
| Earnings coverage of net charge-offs (x) | 6.6455% | 2,473 |
| Efficiency ratio | 59.1848% | 5,872 |
| Assets per employee ($millions) | 3.4914% | 5,031 |
| Cash dividends to net income (ytd only)* | 72.8648% | 1,028 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2509% | 5,166 |
| Loan loss allowance to noncurrent loans | 435.2941% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.7526% | 5,140 |
| Noncurrent loans to loans | 0.2874% | 6,149 |
| Net loans and leases to total assets | 65.0696% | 2,965 |
| Net loans and leases to deposits | 75.5110% | 3,256 |
| Net loans and leases to core deposits | 85.8501% | 2,652 |
| Total domestic deposits to total assets | 86.1723% | 3,216 |
| Equity capital to assets | 12.8936% | 1,548 |
| Core capital (leverage) ratio | 12.0601% | 1,558 |
| Tier 1 risk-based capital ratio | 17.6784% | 2,309 |
| Total risk-based capital ratio | 18.8745% | 2,302 |
| Memoranda: |
| Average total assets | $61,308,000 | 6,002 |
| Average earning assets | $53,008,400 | 6,077 |
| Average equity | $7,825,000 | 5,622 |
| Average total loans | $39,787,800 | 5,703 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5904% | 174 |
| Cost of funding earning assets | 0.8713% | 4,628 |
| Net interest margin | 5.7191% | 129 |
| Noninterest income to average assets | 0.9082% | 1,616 |
| Noninterest expense to average assets | 3.4228% | 2,132 |
| Loan and lease loss provision to assets | 0.4377% | 2,290 |
| Net operating income to assets | 1.8602% | 458 |
| Return on assets (ROA) | 1.8602% | 494 |
| Pretax return on assets | 1.9893% | 641 |
| Return on Equity (ROE) | 14.6130% | 917 |
| Retained earnings to average equity (ytd only) | 4.4183% | 3,581 |
| Net charge-offs to loans | 0.5654% | 2,548 |
| Credit loss provision to net charge-offs | 119.7605% | 2,719 |
| Earnings coverage of net charge-offs (x) | 6.6408% | 2,516 |
| Efficiency ratio | 58.5110% | 5,933 |
| Assets per employee ($millions) | 3.7149% | 4,506 |
| Cash dividends to net income (ytd only)* | 69.7647% | 884 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2661% | 5,170 |
| Loan loss allowance to noncurrent loans | 180.6452% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.8551% | 5,043 |
| Noncurrent loans to loans | 0.7009% | 5,479 |
| Net loans and leases to total assets | 62.2330% | 3,661 |
| Net loans and leases to deposits | 72.3434% | 3,933 |
| Net loans and leases to core deposits | 81.7582% | 3,360 |
| Total domestic deposits to total assets | 86.0244% | 3,207 |
| Equity capital to assets | 12.7817% | 1,732 |
| Core capital (leverage) ratio | 12.3619% | 1,505 |
| Tier 1 risk-based capital ratio | 18.1909% | 2,192 |
| Total risk-based capital ratio | 19.3960% | 2,167 |
| Memoranda: |
| Average total assets | $60,923,750 | 6,061 |
| Average earning assets | $52,641,250 | 6,142 |
| Average equity | $7,755,500 | 5,675 |
| Average total loans | $39,382,000 | 5,772 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5078% | 203 |
| Cost of funding earning assets | 0.9075% | 4,602 |
| Net interest margin | 5.6002% | 155 |
| Noninterest income to average assets | 0.9073% | 1,627 |
| Noninterest expense to average assets | 3.4995% | 1,979 |
| Loan and lease loss provision to assets | 0.4088% | 2,388 |
| Net operating income to assets | 1.7913% | 516 |
| Return on assets (ROA) | 1.7913% | 550 |
| Pretax return on assets | 1.9209% | 675 |
| Return on Equity (ROE) | 14.0915% | 962 |
| Retained earnings to average equity (ytd only) | 3.7647% | 3,819 |
| Net charge-offs to loans | 0.5250% | 2,523 |
| Credit loss provision to net charge-offs | 119.4175% | 2,563 |
| Earnings coverage of net charge-offs (x) | 6.8058% | 2,330 |
| Efficiency ratio | 60.0342% | 5,868 |
| Assets per employee ($millions) | 3.5406% | 4,832 |
| Cash dividends to net income (ytd only)* | 73.2839% | 959 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2244% | 5,443 |
| Loan loss allowance to noncurrent loans | 110.5856% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 1.1464% | 4,595 |
| Noncurrent loans to loans | 1.1072% | 4,817 |
| Net loans and leases to total assets | 65.8072% | 3,070 |
| Net loans and leases to deposits | 76.6700% | 3,346 |
| Net loans and leases to core deposits | 85.2745% | 3,036 |
| Total domestic deposits to total assets | 85.8318% | 3,420 |
| Equity capital to assets | 13.0285% | 1,505 |
| Core capital (leverage) ratio | 12.5038% | 1,355 |
| Tier 1 risk-based capital ratio | 17.9685% | 2,183 |
| Total risk-based capital ratio | 19.1456% | 2,162 |
| Memoranda: |
| Average total assets | $60,180,670 | 6,133 |
| Average earning assets | $52,890,670 | 6,187 |
| Average equity | $7,650,000 | 5,720 |
| Average total loans | $39,240,670 | 5,832 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4779% | 218 |
| Cost of funding earning assets | 0.9571% | 4,513 |
| Net interest margin | 5.5208% | 160 |
| Noninterest income to average assets | 0.8907% | 1,691 |
| Noninterest expense to average assets | 3.6094% | 1,753 |
| Loan and lease loss provision to assets | 0.3124% | 2,671 |
| Net operating income to assets | 1.6352% | 641 |
| Return on assets (ROA) | 1.6352% | 679 |
| Pretax return on assets | 1.7615% | 879 |
| Return on Equity (ROE) | 13.0262% | 1,188 |
| Retained earnings to average equity (ytd only) | 2.5417% | 4,638 |
| Net charge-offs to loans | 0.2886% | 2,904 |
| Credit loss provision to net charge-offs | 167.8571% | 1,717 |
| Earnings coverage of net charge-offs (x) | 11.1429% | 1,576 |
| Efficiency ratio | 63.5088% | 5,441 |
| Assets per employee ($millions) | 3.5867% | 4,779 |
| Cash dividends to net income (ytd only)* | 80.4878% | 829 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2691% | 5,300 |
| Loan loss allowance to noncurrent loans | 80.8581% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 1.6286% | 3,805 |
| Noncurrent loans to loans | 1.5695% | 4,123 |
| Net loans and leases to total assets | 62.5201% | 3,754 |
| Net loans and leases to deposits | 72.3263% | 4,015 |
| Net loans and leases to core deposits | 80.8299% | 3,626 |
| Total domestic deposits to total assets | 86.4418% | 3,268 |
| Equity capital to assets | 12.4627% | 1,647 |
| Core capital (leverage) ratio | 12.3510% | 1,388 |
| Tier 1 risk-based capital ratio | 18.2700% | 2,033 |
| Total risk-based capital ratio | 19.4800% | 2,002 |
| Memoranda: |
| Average total assets | $60,175,500 | 6,181 |
| Average earning assets | $52,239,000 | 6,261 |
| Average equity | $7,554,000 | 5,759 |
| Average total loans | $38,810,500 | 5,899 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6097% | 274 |
| Cost of funding earning assets | 1.2367% | 4,313 |
| Net interest margin | 5.3730% | 212 |
| Noninterest income to average assets | 0.9466% | 1,677 |
| Noninterest expense to average assets | 3.3398% | 2,608 |
| Loan and lease loss provision to assets | 0.3720% | 3,892 |
| Net operating income to assets | 1.8273% | 387 |
| Return on assets (ROA) | 1.8351% | 416 |
| Pretax return on assets | 1.9547% | 536 |
| Return on Equity (ROE) | 14.6988% | 762 |
| Retained earnings to average equity (ytd only) | 0.0399% | 5,561 |
| Net charge-offs to loans | 0.3501% | 4,268 |
| Credit loss provision to net charge-offs | 163.5036% | 2,121 |
| Earnings coverage of net charge-offs (x) | 10.1898% | 1,742 |
| Efficiency ratio | 59.0255% | 6,194 |
| Assets per employee ($millions) | 3.4928% | 4,945 |
| Cash dividends to net income (ytd only)* | 99.7285% | 392 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2074% | 5,473 |
| Loan loss allowance to noncurrent loans | 51.0293% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 1.6387% | 3,846 |
| Noncurrent loans to loans | 2.3661% | 3,154 |
| Net loans and leases to total assets | 64.9056% | 3,685 |
| Net loans and leases to deposits | 75.1892% | 3,986 |
| Net loans and leases to core deposits | 83.6477% | 3,643 |
| Total domestic deposits to total assets | 86.3230% | 3,187 |
| Equity capital to assets | 12.6463% | 1,553 |
| Core capital (leverage) ratio | 12.2354% | 1,414 |
| Tier 1 risk-based capital ratio | 18.1663% | 1,947 |
| Total risk-based capital ratio | 19.3303% | 1,937 |
| Memoranda: |
| Average total assets | $60,214,000 | 6,184 |
| Average earning assets | $52,801,400 | 6,259 |
| Average equity | $7,517,600 | 5,869 |
| Average total loans | $39,127,800 | 5,958 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6277% | 273 |
| Cost of funding earning assets | 1.2791% | 4,377 |
| Net interest margin | 5.3486% | 220 |
| Noninterest income to average assets | 0.9577% | 1,596 |
| Noninterest expense to average assets | 3.3342% | 2,469 |
| Loan and lease loss provision to assets | 0.3884% | 3,567 |
| Net operating income to assets | 1.7837% | 531 |
| Return on assets (ROA) | 1.7940% | 559 |
| Pretax return on assets | 1.9241% | 734 |
| Return on Equity (ROE) | 14.4150% | 950 |
| Retained earnings to average equity (ytd only) | -1.6135% | 6,118 |
| Net charge-offs to loans | 0.3201% | 4,059 |
| Credit loss provision to net charge-offs | 187.2340% | 1,926 |
| Earnings coverage of net charge-offs (x) | 11.0957% | 1,819 |
| Efficiency ratio | 59.1621% | 6,088 |
| Assets per employee ($millions) | 3.5763% | 4,788 |
| Cash dividends to net income (ytd only)* | 111.1931% | 270 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1745% | 5,614 |
| Loan loss allowance to noncurrent loans | 82.6241% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 1.0247% | 5,050 |
| Noncurrent loans to loans | 1.4216% | 4,481 |
| Net loans and leases to total assets | 64.4917% | 4,019 |
| Net loans and leases to deposits | 74.7764% | 4,384 |
| Net loans and leases to core deposits | 83.8552% | 3,964 |
| Total domestic deposits to total assets | 86.2460% | 2,952 |
| Equity capital to assets | 12.4858% | 1,865 |
| Core capital (leverage) ratio | 11.9120% | 1,714 |
| Tier 1 risk-based capital ratio | 17.8058% | 2,076 |
| Total risk-based capital ratio | 18.9490% | 2,080 |
| Memoranda: |
| Average total assets | $60,423,250 | 6,254 |
| Average earning assets | $52,847,500 | 6,333 |
| Average equity | $7,519,750 | 5,938 |
| Average total loans | $39,157,250 | 6,038 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5278% | 326 |
| Cost of funding earning assets | 1.2712% | 4,708 |
| Net interest margin | 5.2567% | 263 |
| Noninterest income to average assets | 0.9221% | 1,612 |
| Noninterest expense to average assets | 3.3832% | 2,311 |
| Loan and lease loss provision to assets | 0.4246% | 3,200 |
| Net operating income to assets | 1.6494% | 645 |
| Return on assets (ROA) | 1.6617% | 682 |
| Pretax return on assets | 1.7911% | 903 |
| Return on Equity (ROE) | 13.3671% | 1,166 |
| Retained earnings to average equity (ytd only) | -3.9755% | 6,435 |
| Net charge-offs to loans | 0.4463% | 3,195 |
| Credit loss provision to net charge-offs | 147.1264% | 2,684 |
| Earnings coverage of net charge-offs (x) | 7.6322% | 2,267 |
| Efficiency ratio | 60.5701% | 5,935 |
| Assets per employee ($millions) | 3.5612% | 4,779 |
| Cash dividends to net income (ytd only)* | 129.7405% | 235 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0737% | 6,067 |
| Loan loss allowance to noncurrent loans | 64.5897% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 1.1843% | 4,768 |
| Noncurrent loans to loans | 1.6624% | 4,201 |
| Net loans and leases to total assets | 64.6796% | 4,113 |
| Net loans and leases to deposits | 74.8471% | 4,539 |
| Net loans and leases to core deposits | 83.9252% | 4,149 |
| Total domestic deposits to total assets | 86.4156% | 2,863 |
| Equity capital to assets | 12.4083% | 1,859 |
| Core capital (leverage) ratio | 11.9780% | 1,652 |
| Tier 1 risk-based capital ratio | 17.8202% | 2,002 |
| Total risk-based capital ratio | 18.8722% | 2,036 |
| Memoranda: |
| Average total assets | $60,298,670 | 6,290 |
| Average earning assets | $53,494,000 | 6,347 |
| Average equity | $7,496,000 | 5,971 |
| Average total loans | $38,984,670 | 6,087 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4879% | 362 |
| Cost of funding earning assets | 1.2752% | 4,962 |
| Net interest margin | 5.2127% | 281 |
| Noninterest income to average assets | 0.8973% | 1,636 |
| Noninterest expense to average assets | 3.3966% | 2,246 |
| Loan and lease loss provision to assets | 0.5318% | 2,376 |
| Net operating income to assets | 1.4849% | 913 |
| Return on assets (ROA) | 1.5155% | 936 |
| Pretax return on assets | 1.6484% | 1,164 |
| Return on Equity (ROE) | 12.1795% | 1,448 |
| Retained earnings to average equity (ytd only) | -13.4615% | 7,145 |
| Net charge-offs to loans | 0.3412% | 3,044 |
| Credit loss provision to net charge-offs | 242.4242% | 1,584 |
| Earnings coverage of net charge-offs (x) | 9.7879% | 1,807 |
| Efficiency ratio | 61.2710% | 5,948 |
| Assets per employee ($millions) | 3.5109% | 5,002 |
| Cash dividends to net income (ytd only)* | 210.5263% | 185 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1055% | 5,984 |
| Loan loss allowance to noncurrent loans | 61.1348% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 1.1963% | 4,781 |
| Noncurrent loans to loans | 1.8083% | 4,042 |
| Net loans and leases to total assets | 64.5975% | 4,195 |
| Net loans and leases to deposits | 74.6770% | 4,646 |
| Net loans and leases to core deposits | 82.4829% | 4,420 |
| Total domestic deposits to total assets | 86.5025% | 2,893 |
| Equity capital to assets | 12.3515% | 1,841 |
| Core capital (leverage) ratio | 11.8925% | 1,693 |
| Tier 1 risk-based capital ratio | 18.0721% | 1,927 |
| Total risk-based capital ratio | 19.1697% | 1,935 |
| Memoranda: |
| Average total assets | $60,178,000 | 6,374 |
| Average earning assets | $53,638,000 | 6,407 |
| Average equity | $7,488,000 | 6,018 |
| Average total loans | $38,686,000 | 6,182 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8066% | 375 |
| Cost of funding earning assets | 1.5776% | 5,142 |
| Net interest margin | 5.2291% | 275 |
| Noninterest income to average assets | 0.8992% | 1,943 |
| Noninterest expense to average assets | 3.3284% | 2,913 |
| Loan and lease loss provision to assets | 0.2026% | 5,721 |
| Net operating income to assets | 1.9122% | 285 |
| Return on assets (ROA) | 1.9153% | 292 |
| Pretax return on assets | 2.0389% | 380 |
| Return on Equity (ROE) | 16.0951% | 545 |
| Retained earnings to average equity (ytd only) | 7.5009% | 822 |
| Net charge-offs to loans | 0.2555% | 5,021 |
| Credit loss provision to net charge-offs | 129.4737% | 3,959 |
| Earnings coverage of net charge-offs (x) | 14.3053% | 1,381 |
| Efficiency ratio | 59.7929% | 6,517 |
| Assets per employee ($millions) | 3.5689% | 4,847 |
| Cash dividends to net income (ytd only)* | 53.3964% | 2,311 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0004% | 6,380 |
| Loan loss allowance to noncurrent loans | 192.0000% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 6,578 |
| Noncurrent loans to loans | 0.5210% | 6,209 |
| Net loans and leases to total assets | 62.6362% | 4,880 |
| Net loans and leases to deposits | 72.7826% | 5,226 |
| Net loans and leases to core deposits | 99.8870% | 4,011 |
| Total domestic deposits to total assets | 86.0592% | 2,988 |
| Equity capital to assets | 12.5332% | 1,734 |
| Core capital (leverage) ratio | 12.0689% | 1,633 |
| Tier 1 risk-based capital ratio | 19.0067% | 1,653 |
| Total risk-based capital ratio | 20.0000% | 1,669 |
| Memoranda: |
| Average total assets | $60,720,400 | 6,319 |
| Average earning assets | $54,197,000 | 6,368 |
| Average equity | $7,225,800 | 6,198 |
| Average total loans | $37,176,200 | 6,244 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8495% | 386 |
| Cost of funding earning assets | 1.6493% | 5,166 |
| Net interest margin | 5.2002% | 302 |
| Noninterest income to average assets | 0.8891% | 2,030 |
| Noninterest expense to average assets | 3.2162% | 3,248 |
| Loan and lease loss provision to assets | 0.1976% | 5,412 |
| Net operating income to assets | 1.9695% | 313 |
| Return on assets (ROA) | 1.9736% | 332 |
| Pretax return on assets | 2.0966% | 446 |
| Return on Equity (ROE) | 16.8083% | 564 |
| Retained earnings to average equity (ytd only) | 5.1789% | 2,385 |
| Net charge-offs to loans | 0.2640% | 4,392 |
| Credit loss provision to net charge-offs | 123.2877% | 4,092 |
| Earnings coverage of net charge-offs (x) | 14.2878% | 1,609 |
| Efficiency ratio | 58.4131% | 6,663 |
| Assets per employee ($millions) | 3.5686% | 4,768 |
| Cash dividends to net income (ytd only)* | 69.1876% | 1,291 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9875% | 6,370 |
| Loan loss allowance to noncurrent loans | 340.3670% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 7,044 |
| Noncurrent loans to loans | 0.2901% | 6,781 |
| Net loans and leases to total assets | 61.3167% | 5,356 |
| Net loans and leases to deposits | 70.7488% | 5,821 |
| Net loans and leases to core deposits | 96.6383% | 4,742 |
| Total domestic deposits to total assets | 86.6682% | 2,347 |
| Equity capital to assets | 12.0626% | 2,212 |
| Core capital (leverage) ratio | 11.5329% | 2,059 |
| Tier 1 risk-based capital ratio | 18.5622% | 1,849 |
| Total risk-based capital ratio | 19.5384% | 1,856 |
| Memoranda: |
| Average total assets | $60,732,750 | 6,363 |
| Average earning assets | $53,919,500 | 6,424 |
| Average equity | $7,131,250 | 6,282 |
| Average total loans | $36,873,750 | 6,294 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8433% | 417 |
| Cost of funding earning assets | 1.7350% | 5,087 |
| Net interest margin | 5.1083% | 351 |
| Noninterest income to average assets | 0.8724% | 2,090 |
| Noninterest expense to average assets | 3.2360% | 3,211 |
| Loan and lease loss provision to assets | 0.1975% | 5,079 |
| Net operating income to assets | 1.8303% | 431 |
| Return on assets (ROA) | 1.8303% | 475 |
| Pretax return on assets | 1.9554% | 623 |
| Return on Equity (ROE) | 15.7307% | 728 |
| Retained earnings to average equity (ytd only) | 4.5551% | 2,760 |
| Net charge-offs to loans | 0.2620% | 3,879 |
| Credit loss provision to net charge-offs | 125.0000% | 3,710 |
| Earnings coverage of net charge-offs (x) | 13.6250% | 1,724 |
| Efficiency ratio | 60.0489% | 6,543 |
| Assets per employee ($millions) | 3.6226% | 4,512 |
| Cash dividends to net income (ytd only)* | 71.0432% | 1,338 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9791% | 6,386 |
| Loan loss allowance to noncurrent loans | 831.8182% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 7,243 |
| Noncurrent loans to loans | 0.1177% | 7,223 |
| Net loans and leases to total assets | 60.1072% | 5,662 |
| Net loans and leases to deposits | 68.8893% | 6,102 |
| Net loans and leases to core deposits | 91.3481% | 5,415 |
| Total domestic deposits to total assets | 87.2518% | 2,125 |
| Equity capital to assets | 11.5320% | 2,521 |
| Core capital (leverage) ratio | 11.5119% | 2,083 |
| Tier 1 risk-based capital ratio | 18.3673% | 1,908 |
| Total risk-based capital ratio | 19.3361% | 1,936 |
| Memoranda: |
| Average total assets | $60,754,670 | 6,423 |
| Average earning assets | $53,716,670 | 6,484 |
| Average equity | $7,069,000 | 6,342 |
| Average total loans | $36,641,670 | 6,366 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7766% | 503 |
| Cost of funding earning assets | 1.8046% | 5,096 |
| Net interest margin | 4.9720% | 432 |
| Noninterest income to average assets | 0.8684% | 1,999 |
| Noninterest expense to average assets | 3.1223% | 3,295 |
| Loan and lease loss provision to assets | 0.1989% | 4,451 |
| Net operating income to assets | 1.8230% | 509 |
| Return on assets (ROA) | 1.8230% | 563 |
| Pretax return on assets | 1.9490% | 727 |
| Return on Equity (ROE) | 15.5973% | 884 |
| Retained earnings to average equity (ytd only) | 4.3672% | 3,486 |
| Net charge-offs to loans | 0.3529% | 2,674 |
| Credit loss provision to net charge-offs | 93.7500% | 3,926 |
| Earnings coverage of net charge-offs (x) | 10.1250% | 1,977 |
| Efficiency ratio | 59.2453% | 6,518 |
| Assets per employee ($millions) | 3.6172% | 4,530 |
| Cash dividends to net income (ytd only)* | 72.0000% | 1,232 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9578% | 6,444 |
| Loan loss allowance to noncurrent loans | 951.3514% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.1122% | 7,256 |
| Noncurrent loans to loans | 0.1007% | 7,242 |
| Net loans and leases to total assets | 59.1914% | 5,783 |
| Net loans and leases to deposits | 67.7285% | 6,209 |
| Net loans and leases to core deposits | 87.9795% | 5,740 |
| Total domestic deposits to total assets | 87.3951% | 2,017 |
| Equity capital to assets | 11.4877% | 2,595 |
| Core capital (leverage) ratio | 11.3549% | 2,243 |
| Tier 1 risk-based capital ratio | 18.7839% | 1,863 |
| Total risk-based capital ratio | 19.7489% | 1,894 |
| Memoranda: |
| Average total assets | $60,339,500 | 6,459 |
| Average earning assets | $53,419,500 | 6,527 |
| Average equity | $7,052,500 | 6,383 |
| Average total loans | $36,271,000 | 6,428 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3326% | 556 |
| Cost of funding earning assets | 2.4271% | 4,593 |
| Net interest margin | 4.9055% | 626 |
| Noninterest income to average assets | 0.9705% | 1,689 |
| Noninterest expense to average assets | 3.2377% | 3,196 |
| Loan and lease loss provision to assets | 0.1597% | 5,336 |
| Net operating income to assets | 1.8896% | 443 |
| Return on assets (ROA) | 1.9203% | 401 |
| Pretax return on assets | 2.0457% | 537 |
| Return on Equity (ROE) | 16.5458% | 694 |
| Retained earnings to average equity (ytd only) | 4.0107% | 2,636 |
| Net charge-offs to loans | 0.1935% | 4,253 |
| Credit loss provision to net charge-offs | 136.7647% | 3,897 |
| Earnings coverage of net charge-offs (x) | 18.6029% | 1,695 |
| Efficiency ratio | 59.8413% | 6,380 |
| Assets per employee ($millions) | 3.4816% | 4,720 |
| Cash dividends to net income (ytd only)* | 75.7603% | 1,915 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9918% | 6,132 |
| Loan loss allowance to noncurrent loans | 381.7204% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 6,476 |
| Noncurrent loans to loans | 0.2598% | 6,599 |
| Net loans and leases to total assets | 59.8729% | 5,928 |
| Net loans and leases to deposits | 69.3063% | 6,338 |
| Net loans and leases to core deposits | 91.1188% | 5,708 |
| Total domestic deposits to total assets | 86.3889% | 2,223 |
| Equity capital to assets | 11.8962% | 2,358 |
| Core capital (leverage) ratio | 11.4317% | 2,294 |
| Tier 1 risk-based capital ratio | 19.2129% | 1,767 |
| Total risk-based capital ratio | 20.2195% | 1,775 |
| Memoranda: |
| Average total assets | $58,220,400 | 6,444 |
| Average earning assets | $52,696,200 | 6,476 |
| Average equity | $6,757,000 | 6,549 |
| Average total loans | $35,145,000 | 6,417 |
