| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2613% | 3,503 |
| Cost of funding earning assets | 0.6586% | 3,984 |
| Net interest margin | 3.6027% | 1,964 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.3779% | 2,649 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.0980% | 1,930 |
| Return on assets (ROA) | 1.0071% | 2,186 |
| Pretax return on assets | 1.2169% | 2,096 |
| Return on Equity (ROE) | 10.5700% | 2,343 |
| Retained earnings to average equity (ytd only) | 7.5214% | 1,694 |
| Net charge-offs to loans | -0.0205% | 4,163 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.2640% | 2,700 |
| Assets per employee ($millions) | 7.4729% | 1,744 |
| Cash dividends to net income (ytd only)* | 28.8430% | 2,593 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3214% | 1,676 |
| Loan loss allowance to noncurrent loans | 2,524.1935% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 3,520 |
| Noncurrent loans to loans | 0.0523% | 3,348 |
| Net loans and leases to total assets | 48.8700% | 3,669 |
| Net loans and leases to deposits | 59.5450% | 3,552 |
| Net loans and leases to core deposits | 60.7263% | 3,740 |
| Total domestic deposits to total assets | 82.0800% | 3,113 |
| Equity capital to assets | 10.4390% | 1,757 |
| Core capital (leverage) ratio | 12.0055% | 1,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $240,292,000 | 2,735 |
| Average earning assets | $225,470,600 | 2,714 |
| Average equity | $22,894,600 | 2,637 |
| Average total loans | $112,170,200 | 3,029 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1918% | 3,486 |
| Cost of funding earning assets | 0.5549% | 4,052 |
| Net interest margin | 3.6368% | 1,910 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.3182% | 2,736 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.0966% | 2,070 |
| Return on assets (ROA) | 0.9815% | 2,412 |
| Pretax return on assets | 1.2575% | 2,154 |
| Return on Equity (ROE) | 10.5500% | 2,491 |
| Retained earnings to average equity (ytd only) | 10.5520% | 1,255 |
| Net charge-offs to loans | -0.0133% | 4,017 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.1908% | 2,818 |
| Assets per employee ($millions) | 7.4719% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3196% | 1,775 |
| Loan loss allowance to noncurrent loans | 2,496.7742% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 3,550 |
| Noncurrent loans to loans | 0.0529% | 3,374 |
| Net loans and leases to total assets | 48.4200% | 3,715 |
| Net loans and leases to deposits | 53.8893% | 3,790 |
| Net loans and leases to core deposits | 54.7260% | 3,903 |
| Total domestic deposits to total assets | 89.8400% | 981 |
| Equity capital to assets | 9.5750% | 2,056 |
| Core capital (leverage) ratio | 11.9013% | 1,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $240,581,750 | 2,739 |
| Average earning assets | $225,611,750 | 2,719 |
| Average equity | $22,377,500 | 2,659 |
| Average total loans | $110,604,250 | 3,046 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0802% | 3,527 |
| Cost of funding earning assets | 0.4253% | 4,126 |
| Net interest margin | 3.6550% | 1,906 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.3113% | 2,768 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.0833% | 2,166 |
| Return on assets (ROA) | 0.9109% | 2,702 |
| Pretax return on assets | 1.1971% | 2,365 |
| Return on Equity (ROE) | 9.8400% | 2,758 |
| Retained earnings to average equity (ytd only) | 9.8369% | 1,454 |
| Net charge-offs to loans | -0.0129% | 3,998 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.8031% | 2,862 |
| Assets per employee ($millions) | 7.6669% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3226% | 1,827 |
| Loan loss allowance to noncurrent loans | 2,382.2581% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 3,529 |
| Noncurrent loans to loans | 0.0555% | 3,301 |
| Net loans and leases to total assets | 46.3600% | 3,775 |
| Net loans and leases to deposits | 51.5733% | 3,855 |
| Net loans and leases to core deposits | 52.3077% | 3,942 |
| Total domestic deposits to total assets | 89.9000% | 948 |
| Equity capital to assets | 9.6186% | 2,083 |
| Core capital (leverage) ratio | 11.8856% | 1,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $241,075,333 | 2,743 |
| Average earning assets | $226,212,333 | 2,726 |
| Average equity | $22,324,000 | 2,673 |
| Average total loans | $108,368,333 | 3,074 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0117% | 3,434 |
| Cost of funding earning assets | 0.3437% | 4,096 |
| Net interest margin | 3.6680% | 1,976 |
| Noninterest income to average assets | -0.0700% | 4,661 |
| Noninterest expense to average assets | 2.2819% | 2,867 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.7876% | 3,229 |
| Return on assets (ROA) | 0.7876% | 3,178 |
| Pretax return on assets | 1.0248% | 2,920 |
| Return on Equity (ROE) | 8.6700% | 3,140 |
| Retained earnings to average equity (ytd only) | 8.6690% | 2,033 |
| Net charge-offs to loans | -0.0112% | 3,886 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.4951% | 2,037 |
| Assets per employee ($millions) | 7.9859% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3391% | 1,863 |
| Loan loss allowance to noncurrent loans | 2,041.4286% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 3,485 |
| Noncurrent loans to loans | 0.0656% | 3,265 |
| Net loans and leases to total assets | 43.9400% | 3,870 |
| Net loans and leases to deposits | 48.8674% | 3,934 |
| Net loans and leases to core deposits | 48.8674% | 4,025 |
| Total domestic deposits to total assets | 89.9300% | 1,180 |
| Equity capital to assets | 9.6311% | 2,046 |
| Core capital (leverage) ratio | 11.3369% | 1,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $242,776,000 | 2,768 |
| Average earning assets | $228,134,500 | 2,751 |
| Average equity | $22,055,500 | 2,715 |
| Average total loans | $106,717,500 | 3,126 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0910% | 4,003 |
| Cost of funding earning assets | 0.1522% | 4,109 |
| Net interest margin | 2.9387% | 3,595 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 1.9293% | 3,771 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9678% | 2,689 |
| Return on assets (ROA) | 0.9678% | 2,635 |
| Pretax return on assets | 1.1876% | 2,478 |
| Return on Equity (ROE) | 10.9900% | 2,480 |
| Retained earnings to average equity (ytd only) | 8.4035% | 1,678 |
| Net charge-offs to loans | -0.0128% | 3,909 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.8981% | 2,778 |
| Assets per employee ($millions) | 7.9347% | 1,355 |
| Cash dividends to net income (ytd only)* | 23.5270% | 2,741 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2930% | 1,935 |
| Loan loss allowance to noncurrent loans | 1,086.6142% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.0516% | 3,284 |
| Noncurrent loans to loans | 0.1190% | 2,927 |
| Net loans and leases to total assets | 42.8300% | 3,936 |
| Net loans and leases to deposits | 47.0567% | 4,008 |
| Net loans and leases to core deposits | 47.0567% | 4,086 |
| Total domestic deposits to total assets | 91.0100% | 955 |
| Equity capital to assets | 8.5525% | 2,676 |
| Core capital (leverage) ratio | 10.4786% | 2,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $252,521,400 | 2,710 |
| Average earning assets | $237,789,400 | 2,687 |
| Average equity | $22,240,800 | 2,752 |
| Average total loans | $93,787,800 | 3,236 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8264% | 4,159 |
| Cost of funding earning assets | 0.1057% | 4,238 |
| Net interest margin | 2.7207% | 3,888 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 1.8691% | 3,822 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8142% | 3,193 |
| Return on assets (ROA) | 0.8142% | 3,158 |
| Pretax return on assets | 1.0439% | 2,888 |
| Return on Equity (ROE) | 9.1800% | 2,977 |
| Retained earnings to average equity (ytd only) | 9.1798% | 1,587 |
| Net charge-offs to loans | -0.0133% | 3,823 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.1635% | 2,524 |
| Assets per employee ($millions) | 9.7735% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3990% | 1,609 |
| Loan loss allowance to noncurrent loans | 877.0701% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 3,295 |
| Noncurrent loans to loans | 0.1595% | 2,810 |
| Net loans and leases to total assets | 36.7800% | 4,195 |
| Net loans and leases to deposits | 40.0498% | 4,232 |
| Net loans and leases to core deposits | 40.0498% | 4,274 |
| Total domestic deposits to total assets | 91.8300% | 931 |
| Equity capital to assets | 7.7640% | 3,043 |
| Core capital (leverage) ratio | 10.1404% | 2,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $254,158,000 | 2,722 |
| Average earning assets | $239,592,250 | 2,689 |
| Average equity | $22,541,750 | 2,771 |
| Average total loans | $90,553,500 | 3,290 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5766% | 4,297 |
| Cost of funding earning assets | 0.0938% | 4,259 |
| Net interest margin | 2.4828% | 4,112 |
| Noninterest income to average assets | 0.3435% | 3,098 |
| Noninterest expense to average assets | 1.8963% | 3,713 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6305% | 3,543 |
| Return on assets (ROA) | 0.6305% | 3,489 |
| Pretax return on assets | 0.7899% | 3,355 |
| Return on Equity (ROE) | 6.8112% | 3,359 |
| Retained earnings to average equity (ytd only) | 6.8112% | 2,048 |
| Net charge-offs to loans | -0.0136% | 3,718 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5935% | 1,873 |
| Assets per employee ($millions) | 9.0109% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4309% | 1,635 |
| Loan loss allowance to noncurrent loans | 708.2474% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 3,207 |
| Noncurrent loans to loans | 0.2020% | 2,702 |
| Net loans and leases to total assets | 37.5148% | 4,192 |
| Net loans and leases to deposits | 41.2052% | 4,220 |
| Net loans and leases to core deposits | 41.2785% | 4,286 |
| Total domestic deposits to total assets | 91.0438% | 1,213 |
| Equity capital to assets | 8.4683% | 2,788 |
| Core capital (leverage) ratio | 10.0578% | 2,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $250,916,000 | 2,770 |
| Average earning assets | $236,745,000 | 2,746 |
| Average equity | $23,226,333 | 2,800 |
| Average total loans | $87,928,667 | 3,354 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4046% | 4,375 |
| Cost of funding earning assets | 0.0912% | 4,250 |
| Net interest margin | 2.3134% | 4,213 |
| Noninterest income to average assets | 0.3293% | 3,133 |
| Noninterest expense to average assets | 1.9343% | 3,593 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4812% | 3,757 |
| Return on assets (ROA) | 0.4812% | 3,726 |
| Pretax return on assets | 0.5851% | 3,676 |
| Return on Equity (ROE) | 4.9842% | 3,629 |
| Retained earnings to average equity (ytd only) | 4.9842% | 2,601 |
| Net charge-offs to loans | -0.0143% | 3,741 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7766% | 1,437 |
| Assets per employee ($millions) | 9.0358% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5959% | 1,281 |
| Loan loss allowance to noncurrent loans | 593.5065% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 3,168 |
| Noncurrent loans to loans | 0.2689% | 2,510 |
| Net loans and leases to total assets | 33.4124% | 4,324 |
| Net loans and leases to deposits | 36.9118% | 4,354 |
| Net loans and leases to core deposits | 36.9777% | 4,400 |
| Total domestic deposits to total assets | 90.5194% | 1,284 |
| Equity capital to assets | 8.9924% | 2,717 |
| Core capital (leverage) ratio | 10.0506% | 2,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $250,221,000 | 2,789 |
| Average earning assets | $236,883,000 | 2,756 |
| Average equity | $24,156,500 | 2,828 |
| Average total loans | $83,880,000 | 3,406 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9009% | 4,053 |
| Cost of funding earning assets | 0.1064% | 4,338 |
| Net interest margin | 2.7946% | 3,675 |
| Noninterest income to average assets | 0.3836% | 3,147 |
| Noninterest expense to average assets | 1.9711% | 3,764 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8212% | 3,269 |
| Return on assets (ROA) | 0.8640% | 3,211 |
| Pretax return on assets | 1.0942% | 2,987 |
| Return on Equity (ROE) | 8.3263% | 3,127 |
| Retained earnings to average equity (ytd only) | 8.3263% | 1,418 |
| Net charge-offs to loans | -0.0105% | 3,758 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4613% | 2,343 |
| Assets per employee ($millions) | 8.8371% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6712% | 1,113 |
| Loan loss allowance to noncurrent loans | 516.2264% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 3,180 |
| Noncurrent loans to loans | 0.3237% | 2,430 |
| Net loans and leases to total assets | 32.5279% | 4,429 |
| Net loans and leases to deposits | 36.4946% | 4,460 |
| Net loans and leases to core deposits | 36.5622% | 4,506 |
| Total domestic deposits to total assets | 89.1307% | 1,445 |
| Equity capital to assets | 10.3306% | 2,339 |
| Core capital (leverage) ratio | 9.9338% | 2,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $225,002,400 | 2,871 |
| Average earning assets | $211,553,000 | 2,862 |
| Average equity | $23,347,800 | 2,954 |
| Average total loans | $85,833,800 | 3,394 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9959% | 4,011 |
| Cost of funding earning assets | 0.1082% | 4,436 |
| Net interest margin | 2.8876% | 3,577 |
| Noninterest income to average assets | 0.3883% | 3,161 |
| Noninterest expense to average assets | 2.0103% | 3,639 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8287% | 3,447 |
| Return on assets (ROA) | 0.8873% | 3,358 |
| Pretax return on assets | 1.1595% | 3,047 |
| Return on Equity (ROE) | 8.5400% | 3,247 |
| Retained earnings to average equity (ytd only) | 8.5400% | 1,863 |
| Net charge-offs to loans | -0.0092% | 3,642 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9391% | 2,255 |
| Assets per employee ($millions) | 8.5611% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6370% | 1,250 |
| Loan loss allowance to noncurrent loans | 462.7119% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 3,294 |
| Noncurrent loans to loans | 0.3538% | 2,507 |
| Net loans and leases to total assets | 34.2159% | 4,457 |
| Net loans and leases to deposits | 38.5641% | 4,498 |
| Net loans and leases to core deposits | 38.6383% | 4,553 |
| Total domestic deposits to total assets | 88.7247% | 1,445 |
| Equity capital to assets | 10.6712% | 2,291 |
| Core capital (leverage) ratio | 10.1479% | 2,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $219,393,000 | 2,941 |
| Average earning assets | $205,701,500 | 2,936 |
| Average equity | $22,794,250 | 3,036 |
| Average total loans | $86,828,500 | 3,427 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0199% | 4,005 |
| Cost of funding earning assets | 0.1126% | 4,486 |
| Net interest margin | 2.9073% | 3,561 |
| Noninterest income to average assets | 0.3904% | 3,156 |
| Noninterest expense to average assets | 2.0553% | 3,537 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8114% | 3,475 |
| Return on assets (ROA) | 0.9021% | 3,291 |
| Pretax return on assets | 1.1692% | 2,995 |
| Return on Equity (ROE) | 8.7717% | 3,172 |
| Retained earnings to average equity (ytd only) | 8.7717% | 1,792 |
| Net charge-offs to loans | -0.0091% | 3,637 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0920% | 2,138 |
| Assets per employee ($millions) | 8.3896% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5702% | 1,355 |
| Loan loss allowance to noncurrent loans | 436.8590% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.1328% | 3,352 |
| Noncurrent loans to loans | 0.3594% | 2,610 |
| Net loans and leases to total assets | 36.3724% | 4,449 |
| Net loans and leases to deposits | 41.0028% | 4,488 |
| Net loans and leases to core deposits | 41.1368% | 4,553 |
| Total domestic deposits to total assets | 88.7071% | 1,449 |
| Equity capital to assets | 10.7016% | 2,225 |
| Core capital (leverage) ratio | 10.9233% | 1,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $212,620,667 | 2,998 |
| Average earning assets | $198,880,667 | 2,991 |
| Average equity | $21,865,667 | 3,101 |
| Average total loans | $87,976,667 | 3,428 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2559% | 3,556 |
| Cost of funding earning assets | 0.1194% | 4,523 |
| Net interest margin | 3.1365% | 2,887 |
| Noninterest income to average assets | 0.3812% | 3,194 |
| Noninterest expense to average assets | 2.1938% | 3,127 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8371% | 3,306 |
| Return on assets (ROA) | 1.0284% | 2,795 |
| Pretax return on assets | 1.3500% | 2,433 |
| Return on Equity (ROE) | 10.2427% | 2,605 |
| Retained earnings to average equity (ytd only) | 10.2427% | 1,587 |
| Net charge-offs to loans | -0.0090% | 3,632 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4462% | 2,164 |
| Assets per employee ($millions) | 7.6051% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5243% | 1,523 |
| Loan loss allowance to noncurrent loans | 409.9398% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.1559% | 3,382 |
| Noncurrent loans to loans | 0.3718% | 2,756 |
| Net loans and leases to total assets | 41.2911% | 4,278 |
| Net loans and leases to deposits | 45.9564% | 4,353 |
| Net loans and leases to core deposits | 46.1196% | 4,434 |
| Total domestic deposits to total assets | 89.8485% | 893 |
| Equity capital to assets | 9.4607% | 3,238 |
| Core capital (leverage) ratio | 9.6815% | 2,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $201,476,500 | 3,081 |
| Average earning assets | $187,599,500 | 3,073 |
| Average equity | $20,229,000 | 3,224 |
| Average total loans | $88,562,500 | 3,430 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9954% | 2,743 |
| Cost of funding earning assets | 0.1750% | 4,662 |
| Net interest margin | 3.8204% | 1,446 |
| Noninterest income to average assets | 0.4197% | 3,014 |
| Noninterest expense to average assets | 2.9352% | 1,586 |
| Loan and lease loss provision to assets | 0.0974% | 3,123 |
| Net operating income to assets | 0.7707% | 3,200 |
| Return on assets (ROA) | 0.8056% | 3,189 |
| Pretax return on assets | 0.9532% | 3,208 |
| Return on Equity (ROE) | 7.1089% | 3,167 |
| Retained earnings to average equity (ytd only) | 7.1089% | 1,355 |
| Net charge-offs to loans | -0.0299% | 4,532 |
| Credit loss provision to net charge-offs | -619.2308% | 3,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0110% | 1,439 |
| Assets per employee ($millions) | 6.7860% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5472% | 1,441 |
| Loan loss allowance to noncurrent loans | 380.6723% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 3,346 |
| Noncurrent loans to loans | 0.4064% | 2,756 |
| Net loans and leases to total assets | 45.5126% | 4,159 |
| Net loans and leases to deposits | 51.4505% | 4,247 |
| Net loans and leases to core deposits | 51.6576% | 4,360 |
| Total domestic deposits to total assets | 88.4590% | 1,248 |
| Equity capital to assets | 10.6900% | 2,533 |
| Core capital (leverage) ratio | 10.0581% | 2,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $165,340,400 | 3,235 |
| Average earning assets | $152,549,600 | 3,239 |
| Average equity | $18,737,000 | 3,306 |
| Average total loans | $86,913,400 | 3,457 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9035% | 3,241 |
| Cost of funding earning assets | 0.1919% | 4,696 |
| Net interest margin | 3.7115% | 1,902 |
| Noninterest income to average assets | 0.4247% | 2,961 |
| Noninterest expense to average assets | 3.0507% | 1,338 |
| Loan and lease loss provision to assets | 0.0848% | 3,251 |
| Net operating income to assets | 0.6008% | 3,763 |
| Return on assets (ROA) | 0.6492% | 3,735 |
| Pretax return on assets | 0.7639% | 3,747 |
| Return on Equity (ROE) | 5.6332% | 3,680 |
| Retained earnings to average equity (ytd only) | 5.6332% | 2,273 |
| Net charge-offs to loans | -0.0338% | 4,566 |
| Credit loss provision to net charge-offs | -459.0909% | 3,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8315% | 963 |
| Assets per employee ($millions) | 6.4237% | 1,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3085% | 2,125 |
| Loan loss allowance to noncurrent loans | 349.0566% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.2063% | 3,406 |
| Noncurrent loans to loans | 0.3749% | 2,944 |
| Net loans and leases to total assets | 54.3052% | 3,777 |
| Net loans and leases to deposits | 61.5407% | 3,956 |
| Net loans and leases to core deposits | 61.8024% | 4,125 |
| Total domestic deposits to total assets | 88.2427% | 1,091 |
| Equity capital to assets | 10.8838% | 2,492 |
| Core capital (leverage) ratio | 10.4499% | 2,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $159,173,250 | 3,278 |
| Average earning assets | $146,567,500 | 3,284 |
| Average equity | $18,343,250 | 3,337 |
| Average total loans | $86,682,500 | 3,474 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8922% | 3,644 |
| Cost of funding earning assets | 0.2145% | 4,720 |
| Net interest margin | 3.6777% | 2,247 |
| Noninterest income to average assets | 0.5306% | 2,439 |
| Noninterest expense to average assets | 3.2362% | 1,096 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5672% | 3,837 |
| Return on assets (ROA) | 0.6423% | 3,692 |
| Pretax return on assets | 0.7618% | 3,701 |
| Return on Equity (ROE) | 5.4538% | 3,696 |
| Retained earnings to average equity (ytd only) | 5.4538% | 2,294 |
| Net charge-offs to loans | -0.0363% | 4,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1237% | 751 |
| Assets per employee ($millions) | 5.9052% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2158% | 2,433 |
| Loan loss allowance to noncurrent loans | 307.5130% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.2254% | 3,428 |
| Noncurrent loans to loans | 0.3954% | 2,987 |
| Net loans and leases to total assets | 56.3156% | 3,661 |
| Net loans and leases to deposits | 63.9881% | 3,885 |
| Net loans and leases to core deposits | 64.2739% | 4,063 |
| Total domestic deposits to total assets | 88.0094% | 1,180 |
| Equity capital to assets | 11.1123% | 2,240 |
| Core capital (leverage) ratio | 10.8722% | 2,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $152,276,667 | 3,331 |
| Average earning assets | $139,869,667 | 3,349 |
| Average equity | $17,932,333 | 3,368 |
| Average total loans | $82,586,667 | 3,538 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2145% | 3,169 |
| Cost of funding earning assets | 0.2787% | 4,711 |
| Net interest margin | 3.9358% | 1,560 |
| Noninterest income to average assets | 0.4566% | 2,754 |
| Noninterest expense to average assets | 3.3616% | 1,125 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5758% | 3,672 |
| Return on assets (ROA) | 0.7339% | 3,239 |
| Pretax return on assets | 0.8852% | 3,174 |
| Return on Equity (ROE) | 6.0287% | 3,306 |
| Retained earnings to average equity (ytd only) | 6.0287% | 1,859 |
| Net charge-offs to loans | -0.0480% | 4,625 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1823% | 963 |
| Assets per employee ($millions) | 5.1829% | 2,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5849% | 1,109 |
| Loan loss allowance to noncurrent loans | 286.6505% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 3,315 |
| Noncurrent loans to loans | 0.5529% | 2,618 |
| Net loans and leases to total assets | 50.5320% | 4,214 |
| Net loans and leases to deposits | 57.7534% | 4,291 |
| Net loans and leases to core deposits | 58.0589% | 4,430 |
| Total domestic deposits to total assets | 87.4960% | 1,338 |
| Equity capital to assets | 11.6309% | 2,336 |
| Core capital (leverage) ratio | 12.2584% | 1,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $142,789,500 | 3,429 |
| Average earning assets | $130,595,500 | 3,439 |
| Average equity | $17,383,500 | 3,436 |
| Average total loans | $75,066,000 | 3,661 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6128% | 2,563 |
| Cost of funding earning assets | 0.2673% | 4,809 |
| Net interest margin | 4.3455% | 992 |
| Noninterest income to average assets | 0.5765% | 2,330 |
| Noninterest expense to average assets | 3.0952% | 1,775 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0805% | 2,520 |
| Return on assets (ROA) | 1.0907% | 2,579 |
| Pretax return on assets | 1.4826% | 1,855 |
| Return on Equity (ROE) | 9.5261% | 2,509 |
| Retained earnings to average equity (ytd only) | 9.5261% | 586 |
| Net charge-offs to loans | -0.0501% | 4,820 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1547% | 2,594 |
| Assets per employee ($millions) | 5.0163% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5499% | 1,083 |
| Loan loss allowance to noncurrent loans | 275.1174% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 3,219 |
| Noncurrent loans to loans | 0.5634% | 2,488 |
| Net loans and leases to total assets | 53.0027% | 4,146 |
| Net loans and leases to deposits | 61.3816% | 4,221 |
| Net loans and leases to core deposits | 61.7200% | 4,358 |
| Total domestic deposits to total assets | 86.3496% | 1,910 |
| Equity capital to assets | 12.7356% | 1,684 |
| Core capital (leverage) ratio | 12.3749% | 1,554 |
| Tier 1 risk-based capital ratio | 16.3187% | 2,286 |
| Total risk-based capital ratio | 17.4405% | 2,284 |
| Memoranda: |
| Average total assets | $131,657,200 | 3,545 |
| Average earning assets | $120,838,000 | 3,550 |
| Average equity | $15,074,400 | 3,632 |
| Average total loans | $73,833,200 | 3,707 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7065% | 2,401 |
| Cost of funding earning assets | 0.2602% | 4,898 |
| Net interest margin | 4.4463% | 859 |
| Noninterest income to average assets | 0.5912% | 2,254 |
| Noninterest expense to average assets | 3.1711% | 1,525 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0902% | 2,609 |
| Return on assets (ROA) | 1.1041% | 2,644 |
| Pretax return on assets | 1.5202% | 1,901 |
| Return on Equity (ROE) | 9.9457% | 2,454 |
| Retained earnings to average equity (ytd only) | 9.9457% | 761 |
| Net charge-offs to loans | -0.0509% | 4,840 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2102% | 2,547 |
| Assets per employee ($millions) | 5.0962% | 2,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5577% | 1,094 |
| Loan loss allowance to noncurrent loans | 263.1222% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 3,265 |
| Noncurrent loans to loans | 0.5920% | 2,511 |
| Net loans and leases to total assets | 53.4165% | 4,222 |
| Net loans and leases to deposits | 61.9532% | 4,294 |
| Net loans and leases to core deposits | 62.3013% | 4,446 |
| Total domestic deposits to total assets | 86.2207% | 1,897 |
| Equity capital to assets | 12.7545% | 1,753 |
| Core capital (leverage) ratio | 12.9205% | 1,373 |
| Tier 1 risk-based capital ratio | 16.7394% | 2,174 |
| Total risk-based capital ratio | 17.9072% | 2,134 |
| Memoranda: |
| Average total assets | $129,457,250 | 3,607 |
| Average earning assets | $118,867,000 | 3,608 |
| Average equity | $14,371,000 | 3,732 |
| Average total loans | $73,387,000 | 3,753 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8494% | 1,911 |
| Cost of funding earning assets | 0.2645% | 4,915 |
| Net interest margin | 4.5850% | 638 |
| Noninterest income to average assets | 0.6265% | 2,036 |
| Noninterest expense to average assets | 3.2128% | 1,484 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1339% | 2,393 |
| Return on assets (ROA) | 1.1551% | 2,380 |
| Pretax return on assets | 1.6537% | 1,388 |
| Return on Equity (ROE) | 10.9981% | 1,972 |
| Retained earnings to average equity (ytd only) | 10.9981% | 543 |
| Net charge-offs to loans | -0.0548% | 4,850 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7646% | 2,845 |
| Assets per employee ($millions) | 5.2507% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5636% | 1,112 |
| Loan loss allowance to noncurrent loans | 248.3871% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.3690% | 3,037 |
| Noncurrent loans to loans | 0.6295% | 2,373 |
| Net loans and leases to total assets | 57.7006% | 3,941 |
| Net loans and leases to deposits | 67.1159% | 4,017 |
| Net loans and leases to core deposits | 67.5279% | 4,234 |
| Total domestic deposits to total assets | 85.9716% | 2,046 |
| Equity capital to assets | 13.4959% | 1,322 |
| Core capital (leverage) ratio | 13.1128% | 1,250 |
| Tier 1 risk-based capital ratio | 17.1444% | 2,046 |
| Total risk-based capital ratio | 18.3584% | 2,002 |
| Memoranda: |
| Average total assets | $126,743,670 | 3,670 |
| Average earning assets | $116,467,000 | 3,671 |
| Average equity | $13,311,330 | 3,883 |
| Average total loans | $72,961,670 | 3,782 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0801% | 1,138 |
| Cost of funding earning assets | 0.2701% | 4,930 |
| Net interest margin | 4.8100% | 403 |
| Noninterest income to average assets | 0.4941% | 2,591 |
| Noninterest expense to average assets | 3.1941% | 1,508 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0794% | 2,549 |
| Return on assets (ROA) | 1.0794% | 2,595 |
| Pretax return on assets | 1.7277% | 1,149 |
| Return on Equity (ROE) | 11.9684% | 1,540 |
| Retained earnings to average equity (ytd only) | 11.9684% | 617 |
| Net charge-offs to loans | -0.0607% | 4,887 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2583% | 3,197 |
| Assets per employee ($millions) | 5.3283% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5851% | 1,095 |
| Loan loss allowance to noncurrent loans | 250.2183% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 3,170 |
| Noncurrent loans to loans | 0.6335% | 2,429 |
| Net loans and leases to total assets | 55.6404% | 4,091 |
| Net loans and leases to deposits | 61.8781% | 4,307 |
| Net loans and leases to core deposits | 62.2348% | 4,457 |
| Total domestic deposits to total assets | 89.9195% | 478 |
| Equity capital to assets | 9.2196% | 4,511 |
| Core capital (leverage) ratio | 9.3246% | 4,340 |
| Tier 1 risk-based capital ratio | 12.2178% | 4,346 |
| Total risk-based capital ratio | 13.4321% | 4,242 |
| Memoranda: |
| Average total assets | $127,107,500 | 3,690 |
| Average earning assets | $117,006,000 | 3,698 |
| Average equity | $11,463,500 | 4,132 |
| Average total loans | $72,509,000 | 3,827 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5729% | 2,223 |
| Cost of funding earning assets | 0.2377% | 4,862 |
| Net interest margin | 4.3352% | 1,082 |
| Noninterest income to average assets | 0.5269% | 2,677 |
| Noninterest expense to average assets | 3.2331% | 1,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0521% | 2,798 |
| Return on assets (ROA) | 1.0521% | 2,784 |
| Pretax return on assets | 1.2582% | 2,665 |
| Return on Equity (ROE) | 12.1639% | 1,657 |
| Retained earnings to average equity (ytd only) | 9.3612% | 763 |
| Net charge-offs to loans | -0.0342% | 4,856 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2846% | 2,003 |
| Assets per employee ($millions) | 5.2640% | 2,192 |
| Cash dividends to net income (ytd only)* | 23.0415% | 3,361 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5608% | 1,116 |
| Loan loss allowance to noncurrent loans | 380.8725% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 3,657 |
| Noncurrent loans to loans | 0.4098% | 3,064 |
| Net loans and leases to total assets | 56.6620% | 4,079 |
| Net loans and leases to deposits | 62.6386% | 4,335 |
| Net loans and leases to core deposits | 63.0002% | 4,494 |
| Total domestic deposits to total assets | 90.4587% | 334 |
| Equity capital to assets | 8.8155% | 4,725 |
| Core capital (leverage) ratio | 9.1284% | 4,532 |
| Tier 1 risk-based capital ratio | 11.9378% | 4,467 |
| Total risk-based capital ratio | 13.1514% | 4,379 |
| Memoranda: |
| Average total assets | $123,752,600 | 3,733 |
| Average earning assets | $113,167,400 | 3,755 |
| Average equity | $10,703,800 | 4,207 |
| Average total loans | $73,136,000 | 3,806 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5716% | 2,072 |
| Cost of funding earning assets | 0.2207% | 4,938 |
| Net interest margin | 4.3509% | 1,007 |
| Noninterest income to average assets | 0.5166% | 2,763 |
| Noninterest expense to average assets | 3.2513% | 1,406 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9834% | 3,166 |
| Return on assets (ROA) | 0.9834% | 3,173 |
| Pretax return on assets | 1.2368% | 2,862 |
| Return on Equity (ROE) | 11.4260% | 2,007 |
| Retained earnings to average equity (ytd only) | 11.4260% | 567 |
| Net charge-offs to loans | -0.0364% | 4,818 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7423% | 1,928 |
| Assets per employee ($millions) | 5.1573% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5076% | 1,324 |
| Loan loss allowance to noncurrent loans | 361.0224% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 3,694 |
| Noncurrent loans to loans | 0.4176% | 3,161 |
| Net loans and leases to total assets | 59.6442% | 3,884 |
| Net loans and leases to deposits | 66.0281% | 4,197 |
| Net loans and leases to core deposits | 66.4166% | 4,390 |
| Total domestic deposits to total assets | 90.3316% | 401 |
| Equity capital to assets | 8.8460% | 4,684 |
| Core capital (leverage) ratio | 9.0741% | 4,635 |
| Tier 1 risk-based capital ratio | 11.4549% | 4,819 |
| Total risk-based capital ratio | 12.6254% | 4,748 |
| Memoranda: |
| Average total assets | $123,107,000 | 3,781 |
| Average earning assets | $112,373,250 | 3,806 |
| Average equity | $10,595,500 | 4,257 |
| Average total loans | $73,240,250 | 3,843 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5433% | 1,952 |
| Cost of funding earning assets | 0.2159% | 4,943 |
| Net interest margin | 4.3274% | 982 |
| Noninterest income to average assets | 0.5029% | 2,844 |
| Noninterest expense to average assets | 3.2421% | 1,448 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9114% | 3,412 |
| Return on assets (ROA) | 0.9114% | 3,417 |
| Pretax return on assets | 1.2076% | 2,913 |
| Return on Equity (ROE) | 10.6894% | 2,237 |
| Retained earnings to average equity (ytd only) | 10.6894% | 737 |
| Net charge-offs to loans | -0.0413% | 4,852 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1653% | 1,972 |
| Assets per employee ($millions) | 5.4845% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5263% | 1,312 |
| Loan loss allowance to noncurrent loans | 344.0367% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.2592% | 3,726 |
| Noncurrent loans to loans | 0.4437% | 3,104 |
| Net loans and leases to total assets | 57.5382% | 4,033 |
| Net loans and leases to deposits | 63.3674% | 4,326 |
| Net loans and leases to core deposits | 64.0276% | 4,486 |
| Total domestic deposits to total assets | 90.8010% | 303 |
| Equity capital to assets | 8.4665% | 4,972 |
| Core capital (leverage) ratio | 8.8758% | 4,814 |
| Tier 1 risk-based capital ratio | 11.1348% | 4,982 |
| Total risk-based capital ratio | 12.3061% | 4,919 |
| Memoranda: |
| Average total assets | $122,884,670 | 3,810 |
| Average earning assets | $112,077,670 | 3,845 |
| Average equity | $10,477,670 | 4,311 |
| Average total loans | $72,669,000 | 3,877 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2468% | 2,723 |
| Cost of funding earning assets | 0.2064% | 4,976 |
| Net interest margin | 4.0404% | 1,591 |
| Noninterest income to average assets | 0.4882% | 2,877 |
| Noninterest expense to average assets | 3.3417% | 1,266 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6466% | 4,291 |
| Return on assets (ROA) | 0.6466% | 4,301 |
| Pretax return on assets | 0.8280% | 4,087 |
| Return on Equity (ROE) | 7.5555% | 3,557 |
| Retained earnings to average equity (ytd only) | 7.5555% | 2,015 |
| Net charge-offs to loans | -0.0333% | 4,784 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3513% | 1,214 |
| Assets per employee ($millions) | 4.9959% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5444% | 1,310 |
| Loan loss allowance to noncurrent loans | 278.3042% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.3211% | 3,548 |
| Noncurrent loans to loans | 0.5549% | 2,865 |
| Net loans and leases to total assets | 56.9637% | 4,031 |
| Net loans and leases to deposits | 62.4937% | 4,303 |
| Net loans and leases to core deposits | 63.1477% | 4,478 |
| Total domestic deposits to total assets | 91.1511% | 271 |
| Equity capital to assets | 8.2500% | 5,145 |
| Core capital (leverage) ratio | 8.8614% | 4,836 |
| Tier 1 risk-based capital ratio | 11.2702% | 4,996 |
| Total risk-based capital ratio | 12.4877% | 4,906 |
| Memoranda: |
| Average total assets | $121,255,000 | 3,882 |
| Average earning assets | $110,484,000 | 3,911 |
| Average equity | $10,376,500 | 4,369 |
| Average total loans | $72,150,500 | 3,928 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3039% | 2,313 |
| Cost of funding earning assets | 0.2114% | 4,860 |
| Net interest margin | 4.0925% | 1,468 |
| Noninterest income to average assets | 0.6191% | 2,353 |
| Noninterest expense to average assets | 3.6231% | 873 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3777% | 4,759 |
| Return on assets (ROA) | 0.3771% | 4,778 |
| Pretax return on assets | 0.6798% | 4,558 |
| Return on Equity (ROE) | 4.0482% | 4,487 |
| Retained earnings to average equity (ytd only) | 4.0482% | 2,752 |
| Net charge-offs to loans | -0.0745% | 5,298 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3614% | 823 |
| Assets per employee ($millions) | 4.9005% | 2,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5408% | 1,293 |
| Loan loss allowance to noncurrent loans | 251.1312% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.3758% | 3,362 |
| Noncurrent loans to loans | 0.6136% | 2,699 |
| Net loans and leases to total assets | 60.3071% | 3,800 |
| Net loans and leases to deposits | 66.6563% | 4,136 |
| Net loans and leases to core deposits | 67.4012% | 4,336 |
| Total domestic deposits to total assets | 90.4747% | 406 |
| Equity capital to assets | 8.8842% | 4,831 |
| Core capital (leverage) ratio | 8.7554% | 4,897 |
| Tier 1 risk-based capital ratio | 11.3861% | 4,925 |
| Total risk-based capital ratio | 12.6367% | 4,805 |
| Memoranda: |
| Average total assets | $110,320,000 | 4,057 |
| Average earning assets | $99,327,600 | 4,110 |
| Average equity | $10,276,200 | 4,409 |
| Average total loans | $71,106,200 | 3,935 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2896% | 2,294 |
| Cost of funding earning assets | 0.2160% | 4,839 |
| Net interest margin | 4.0736% | 1,470 |
| Noninterest income to average assets | 0.6255% | 2,338 |
| Noninterest expense to average assets | 3.6596% | 803 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4740% | 4,816 |
| Return on assets (ROA) | 0.4731% | 4,856 |
| Pretax return on assets | 0.6267% | 4,783 |
| Return on Equity (ROE) | 5.0163% | 4,523 |
| Retained earnings to average equity (ytd only) | 5.0163% | 2,877 |
| Net charge-offs to loans | -0.0828% | 5,327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5228% | 717 |
| Assets per employee ($millions) | 4.4478% | 3,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5277% | 1,441 |
| Loan loss allowance to noncurrent loans | 238.8286% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.4146% | 3,367 |
| Noncurrent loans to loans | 0.6397% | 2,796 |
| Net loans and leases to total assets | 63.8236% | 3,436 |
| Net loans and leases to deposits | 71.0056% | 3,869 |
| Net loans and leases to core deposits | 71.8496% | 4,145 |
| Total domestic deposits to total assets | 89.8852% | 511 |
| Equity capital to assets | 9.4358% | 4,502 |
| Core capital (leverage) ratio | 9.1294% | 4,600 |
| Tier 1 risk-based capital ratio | 11.2319% | 5,118 |
| Total risk-based capital ratio | 12.4761% | 5,018 |
| Memoranda: |
| Average total assets | $108,496,750 | 4,126 |
| Average earning assets | $97,535,250 | 4,177 |
| Average equity | $10,233,000 | 4,455 |
| Average total loans | $70,873,000 | 3,972 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2195% | 2,404 |
| Cost of funding earning assets | 0.2196% | 4,808 |
| Net interest margin | 4.0000% | 1,603 |
| Noninterest income to average assets | 0.6283% | 2,324 |
| Noninterest expense to average assets | 3.6581% | 811 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4252% | 4,912 |
| Return on assets (ROA) | 0.4238% | 4,945 |
| Pretax return on assets | 0.5576% | 4,887 |
| Return on Equity (ROE) | 4.4941% | 4,668 |
| Retained earnings to average equity (ytd only) | 4.4941% | 3,037 |
| Net charge-offs to loans | -0.0937% | 5,392 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8969% | 695 |
| Assets per employee ($millions) | 4.4188% | 3,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5309% | 1,473 |
| Loan loss allowance to noncurrent loans | 225.6729% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 3,367 |
| Noncurrent loans to loans | 0.6784% | 2,718 |
| Net loans and leases to total assets | 63.4670% | 3,454 |
| Net loans and leases to deposits | 70.5451% | 3,870 |
| Net loans and leases to core deposits | 71.6028% | 4,118 |
| Total domestic deposits to total assets | 89.9665% | 550 |
| Equity capital to assets | 9.3573% | 4,557 |
| Core capital (leverage) ratio | 9.2392% | 4,446 |
| Tier 1 risk-based capital ratio | 11.3552% | 5,048 |
| Total risk-based capital ratio | 12.6059% | 4,939 |
| Memoranda: |
| Average total assets | $107,597,670 | 4,173 |
| Average earning assets | $96,551,000 | 4,223 |
| Average equity | $10,146,670 | 4,486 |
| Average total loans | $70,474,330 | 3,999 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1554% | 2,452 |
| Cost of funding earning assets | 0.2393% | 4,641 |
| Net interest margin | 3.9162% | 1,723 |
| Noninterest income to average assets | 0.6029% | 2,396 |
| Noninterest expense to average assets | 3.6812% | 797 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3459% | 5,085 |
| Return on assets (ROA) | 0.3429% | 5,111 |
| Pretax return on assets | 0.4333% | 5,097 |
| Return on Equity (ROE) | 3.6214% | 4,913 |
| Retained earnings to average equity (ytd only) | 3.6214% | 3,628 |
| Net charge-offs to loans | -0.1255% | 5,516 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4721% | 637 |
| Assets per employee ($millions) | 4.0870% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5373% | 1,550 |
| Loan loss allowance to noncurrent loans | 212.4016% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.4781% | 3,302 |
| Noncurrent loans to loans | 0.7238% | 2,687 |
| Net loans and leases to total assets | 65.0345% | 3,111 |
| Net loans and leases to deposits | 72.4240% | 3,570 |
| Net loans and leases to core deposits | 73.5533% | 3,877 |
| Total domestic deposits to total assets | 89.7969% | 750 |
| Equity capital to assets | 9.5246% | 4,267 |
| Core capital (leverage) ratio | 9.3886% | 4,240 |
| Tier 1 risk-based capital ratio | 11.4383% | 5,071 |
| Total risk-based capital ratio | 12.6898% | 4,964 |
| Memoranda: |
| Average total assets | $106,161,500 | 4,240 |
| Average earning assets | $95,297,000 | 4,288 |
| Average equity | $10,051,500 | 4,534 |
| Average total loans | $70,110,500 | 4,048 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2020% | 2,480 |
| Cost of funding earning assets | 0.3265% | 3,782 |
| Net interest margin | 3.8754% | 2,045 |
| Noninterest income to average assets | 0.6701% | 2,316 |
| Noninterest expense to average assets | 3.7914% | 780 |
| Loan and lease loss provision to assets | 0.0386% | 3,603 |
| Net operating income to assets | 0.2397% | 5,335 |
| Return on assets (ROA) | 0.2555% | 5,380 |
| Pretax return on assets | 0.3278% | 5,330 |
| Return on Equity (ROE) | 2.6701% | 5,253 |
| Retained earnings to average equity (ytd only) | 2.6701% | 4,003 |
| Net charge-offs to loans | -0.0306% | 5,252 |
| Credit loss provision to net charge-offs | -190.4762% | 4,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7248% | 511 |
| Assets per employee ($millions) | 3.7879% | 4,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5092% | 1,630 |
| Loan loss allowance to noncurrent loans | 198.6842% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.5016% | 3,252 |
| Noncurrent loans to loans | 0.7596% | 2,637 |
| Net loans and leases to total assets | 65.0362% | 3,212 |
| Net loans and leases to deposits | 73.9037% | 3,523 |
| Net loans and leases to core deposits | 75.0797% | 3,832 |
| Total domestic deposits to total assets | 88.0012% | 1,632 |
| Equity capital to assets | 9.4116% | 4,362 |
| Core capital (leverage) ratio | 9.0991% | 4,617 |
| Tier 1 risk-based capital ratio | 11.4176% | 5,105 |
| Total risk-based capital ratio | 12.6705% | 5,005 |
| Memoranda: |
| Average total assets | $103,708,800 | 4,291 |
| Average earning assets | $92,789,400 | 4,329 |
| Average equity | $9,924,800 | 4,594 |
| Average total loans | $68,679,000 | 4,076 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1827% | 2,565 |
| Cost of funding earning assets | 0.3295% | 3,781 |
| Net interest margin | 3.8532% | 2,148 |
| Noninterest income to average assets | 0.6555% | 2,390 |
| Noninterest expense to average assets | 3.8039% | 742 |
| Loan and lease loss provision to assets | 0.0323% | 3,586 |
| Net operating income to assets | 0.2113% | 5,448 |
| Return on assets (ROA) | 0.2327% | 5,483 |
| Pretax return on assets | 0.2935% | 5,461 |
| Return on Equity (ROE) | 2.4216% | 5,373 |
| Retained earnings to average equity (ytd only) | 2.4216% | 4,465 |
| Net charge-offs to loans | -0.0215% | 5,029 |
| Credit loss provision to net charge-offs | -227.2727% | 4,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8059% | 474 |
| Assets per employee ($millions) | 3.7863% | 4,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4605% | 1,932 |
| Loan loss allowance to noncurrent loans | 170.5785% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.5895% | 3,145 |
| Noncurrent loans to loans | 0.8562% | 2,544 |
| Net loans and leases to total assets | 65.6769% | 3,174 |
| Net loans and leases to deposits | 74.7715% | 3,524 |
| Net loans and leases to core deposits | 75.9609% | 3,837 |
| Total domestic deposits to total assets | 87.8367% | 1,483 |
| Equity capital to assets | 9.4410% | 4,724 |
| Core capital (leverage) ratio | 9.0896% | 4,731 |
| Tier 1 risk-based capital ratio | 11.4164% | 5,144 |
| Total risk-based capital ratio | 12.6690% | 5,039 |
| Memoranda: |
| Average total assets | $103,120,750 | 4,335 |
| Average earning assets | $92,251,000 | 4,380 |
| Average equity | $9,910,500 | 4,633 |
| Average total loans | $68,340,000 | 4,114 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1961% | 2,521 |
| Cost of funding earning assets | 0.3351% | 3,746 |
| Net interest margin | 3.8610% | 2,106 |
| Noninterest income to average assets | 0.6324% | 2,453 |
| Noninterest expense to average assets | 3.8001% | 767 |
| Loan and lease loss provision to assets | 0.0489% | 3,172 |
| Net operating income to assets | 0.1920% | 5,538 |
| Return on assets (ROA) | 0.2193% | 5,549 |
| Pretax return on assets | 0.2682% | 5,538 |
| Return on Equity (ROE) | 2.2677% | 5,446 |
| Retained earnings to average equity (ytd only) | 2.2677% | 4,434 |
| Net charge-offs to loans | -0.0178% | 4,900 |
| Credit loss provision to net charge-offs | -416.6667% | 4,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0901% | 490 |
| Assets per employee ($millions) | 3.7666% | 4,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4851% | 1,920 |
| Loan loss allowance to noncurrent loans | 162.2433% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.6421% | 3,071 |
| Noncurrent loans to loans | 0.9153% | 2,445 |
| Net loans and leases to total assets | 66.9912% | 2,943 |
| Net loans and leases to deposits | 76.6422% | 3,313 |
| Net loans and leases to core deposits | 77.6963% | 3,665 |
| Total domestic deposits to total assets | 87.4077% | 1,710 |
| Equity capital to assets | 9.7908% | 4,461 |
| Core capital (leverage) ratio | 9.2574% | 4,509 |
| Tier 1 risk-based capital ratio | 11.9606% | 4,850 |
| Total risk-based capital ratio | 13.2139% | 4,766 |
| Memoranda: |
| Average total assets | $102,155,670 | 4,388 |
| Average earning assets | $91,322,330 | 4,434 |
| Average equity | $9,877,670 | 4,671 |
| Average total loans | $67,566,670 | 4,160 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1301% | 2,727 |
| Cost of funding earning assets | 0.3449% | 3,657 |
| Net interest margin | 3.7852% | 2,345 |
| Noninterest income to average assets | 0.6407% | 2,315 |
| Noninterest expense to average assets | 3.6919% | 906 |
| Loan and lease loss provision to assets | 0.0977% | 2,064 |
| Net operating income to assets | 0.2048% | 5,518 |
| Return on assets (ROA) | 0.2149% | 5,563 |
| Pretax return on assets | 0.2500% | 5,583 |
| Return on Equity (ROE) | 2.2362% | 5,452 |
| Retained earnings to average equity (ytd only) | 2.2362% | 4,365 |
| Net charge-offs to loans | -0.0479% | 5,302 |
| Credit loss provision to net charge-offs | -312.5000% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6887% | 627 |
| Assets per employee ($millions) | 3.6491% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4782% | 2,076 |
| Loan loss allowance to noncurrent loans | 118.2456% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.8564% | 2,552 |
| Noncurrent loans to loans | 1.2501% | 1,931 |
| Net loans and leases to total assets | 65.9467% | 2,955 |
| Net loans and leases to deposits | 75.2953% | 3,299 |
| Net loans and leases to core deposits | 76.0671% | 3,677 |
| Total domestic deposits to total assets | 87.5840% | 1,872 |
| Equity capital to assets | 9.6824% | 4,469 |
| Core capital (leverage) ratio | 9.3203% | 4,469 |
| Tier 1 risk-based capital ratio | 11.9451% | 4,944 |
| Total risk-based capital ratio | 13.1985% | 4,862 |
| Memoranda: |
| Average total assets | $102,385,000 | 4,420 |
| Average earning assets | $91,621,000 | 4,466 |
| Average equity | $9,838,000 | 4,692 |
| Average total loans | $66,772,500 | 4,197 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9215% | 3,632 |
| Cost of funding earning assets | 0.4013% | 3,146 |
| Net interest margin | 3.5202% | 3,452 |
| Noninterest income to average assets | 0.6336% | 2,542 |
| Noninterest expense to average assets | 3.7793% | 885 |
| Loan and lease loss provision to assets | 0.0308% | 3,752 |
| Net operating income to assets | 0.0462% | 5,817 |
| Return on assets (ROA) | 0.0554% | 5,845 |
| Pretax return on assets | -0.0502% | 5,911 |
| Return on Equity (ROE) | 0.5514% | 5,832 |
| Retained earnings to average equity (ytd only) | 0.5514% | 5,297 |
| Net charge-offs to loans | 0.1417% | 1,930 |
| Credit loss provision to net charge-offs | 37.0370% | 3,565 |
| Earnings coverage of net charge-offs (x) | -0.4074% | 4,299 |
| Efficiency ratio | 99.8358% | 287 |
| Assets per employee ($millions) | 3.9460% | 4,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5011% | 1,999 |
| Loan loss allowance to noncurrent loans | 111.5165% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.8743% | 2,484 |
| Noncurrent loans to loans | 1.3461% | 1,745 |
| Net loans and leases to total assets | 62.5518% | 3,483 |
| Net loans and leases to deposits | 71.3016% | 3,788 |
| Net loans and leases to core deposits | 72.0274% | 4,132 |
| Total domestic deposits to total assets | 87.7284% | 1,781 |
| Equity capital to assets | 9.5356% | 4,515 |
| Core capital (leverage) ratio | 9.3060% | 4,464 |
| Tier 1 risk-based capital ratio | 12.0542% | 4,914 |
| Total risk-based capital ratio | 13.3088% | 4,814 |
| Memoranda: |
| Average total assets | $97,531,200 | 4,508 |
| Average earning assets | $86,217,000 | 4,583 |
| Average equity | $9,794,000 | 4,691 |
| Average total loans | $57,171,000 | 4,456 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9276% | 3,644 |
| Cost of funding earning assets | 0.4135% | 3,079 |
| Net interest margin | 3.5141% | 3,485 |
| Noninterest income to average assets | 0.5457% | 3,074 |
| Noninterest expense to average assets | 3.8171% | 835 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.0420% | 5,964 |
| Return on assets (ROA) | -0.0305% | 5,989 |
| Pretax return on assets | -0.1579% | 6,035 |
| Return on Equity (ROE) | -0.2994% | 5,990 |
| Retained earnings to average equity (ytd only) | -0.2994% | 5,659 |
| Net charge-offs to loans | -0.0507% | 5,553 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7277% | 216 |
| Assets per employee ($millions) | 3.7925% | 4,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8568% | 1,157 |
| Loan loss allowance to noncurrent loans | 103.4483% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 1.0496% | 2,257 |
| Noncurrent loans to loans | 1.7949% | 1,324 |
| Net loans and leases to total assets | 56.2826% | 4,324 |
| Net loans and leases to deposits | 64.5859% | 4,509 |
| Net loans and leases to core deposits | 65.2718% | 4,743 |
| Total domestic deposits to total assets | 87.1438% | 1,960 |
| Equity capital to assets | 9.9598% | 4,204 |
| Core capital (leverage) ratio | 9.4697% | 4,342 |
| Tier 1 risk-based capital ratio | 13.2697% | 4,277 |
| Total risk-based capital ratio | 14.5279% | 4,192 |
| Memoranda: |
| Average total assets | $96,265,250 | 4,584 |
| Average earning assets | $84,799,500 | 4,669 |
| Average equity | $9,796,750 | 4,753 |
| Average total loans | $55,175,500 | 4,569 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8469% | 3,889 |
| Cost of funding earning assets | 0.4198% | 3,040 |
| Net interest margin | 3.4272% | 3,801 |
| Noninterest income to average assets | 0.5404% | 3,105 |
| Noninterest expense to average assets | 3.9399% | 729 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1724% | 6,087 |
| Return on assets (ROA) | -0.1550% | 6,106 |
| Pretax return on assets | -0.3624% | 6,157 |
| Return on Equity (ROE) | -1.5120% | 6,106 |
| Retained earnings to average equity (ytd only) | -1.5120% | 5,774 |
| Net charge-offs to loans | -0.0548% | 5,576 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7935% | 178 |
| Assets per employee ($millions) | 3.6885% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8890% | 1,187 |
| Loan loss allowance to noncurrent loans | 84.4660% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.3097% | 1,922 |
| Noncurrent loans to loans | 2.2365% | 1,069 |
| Net loans and leases to total assets | 56.5396% | 4,273 |
| Net loans and leases to deposits | 65.0643% | 4,431 |
| Net loans and leases to core deposits | 65.7747% | 4,673 |
| Total domestic deposits to total assets | 86.8979% | 2,221 |
| Equity capital to assets | 10.1428% | 3,879 |
| Core capital (leverage) ratio | 9.6265% | 4,106 |
| Tier 1 risk-based capital ratio | 13.1856% | 4,402 |
| Total risk-based capital ratio | 14.4437% | 4,325 |
| Memoranda: |
| Average total assets | $95,485,000 | 4,644 |
| Average earning assets | $83,859,000 | 4,735 |
| Average equity | $9,788,670 | 4,788 |
| Average total loans | $54,718,000 | 4,623 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8717% | 3,737 |
| Cost of funding earning assets | 0.4265% | 3,001 |
| Net interest margin | 3.4452% | 3,641 |
| Noninterest income to average assets | 0.8355% | 1,587 |
| Noninterest expense to average assets | 4.3662% | 474 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2490% | 6,169 |
| Return on assets (ROA) | -0.2141% | 6,173 |
| Pretax return on assets | -0.4576% | 6,233 |
| Return on Equity (ROE) | -2.0775% | 6,176 |
| Retained earnings to average equity (ytd only) | -2.0775% | 5,696 |
| Net charge-offs to loans | -0.0661% | 5,665 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.2004% | 179 |
| Assets per employee ($millions) | 4.0370% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9692% | 1,142 |
| Loan loss allowance to noncurrent loans | 78.3396% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 2.0426% | 1,159 |
| Noncurrent loans to loans | 2.5137% | 962 |
| Net loans and leases to total assets | 53.3333% | 4,513 |
| Net loans and leases to deposits | 61.3206% | 4,637 |
| Net loans and leases to core deposits | 61.9803% | 4,841 |
| Total domestic deposits to total assets | 86.9745% | 2,384 |
| Equity capital to assets | 10.1149% | 3,999 |
| Core capital (leverage) ratio | 9.5477% | 4,203 |
| Tier 1 risk-based capital ratio | 13.3341% | 4,408 |
| Total risk-based capital ratio | 14.5875% | 4,320 |
| Memoranda: |
| Average total assets | $95,277,000 | 4,684 |
| Average earning assets | $83,478,500 | 4,785 |
| Average equity | $9,819,500 | 4,821 |
| Average total loans | $54,444,000 | 4,655 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1107% | 3,289 |
| Cost of funding earning assets | 0.4851% | 2,830 |
| Net interest margin | 3.6256% | 3,310 |
| Noninterest income to average assets | 0.4207% | 4,033 |
| Noninterest expense to average assets | 3.4160% | 1,664 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1513% | 5,871 |
| Return on assets (ROA) | 0.1998% | 5,821 |
| Pretax return on assets | 0.2482% | 5,790 |
| Return on Equity (ROE) | 1.9563% | 5,777 |
| Retained earnings to average equity (ytd only) | 1.9563% | 4,819 |
| Net charge-offs to loans | 0.0443% | 3,940 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 7.4583% | 3,030 |
| Efficiency ratio | 93.6388% | 612 |
| Assets per employee ($millions) | 4.0725% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8317% | 1,466 |
| Loan loss allowance to noncurrent loans | 78.4299% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 2.2046% | 1,106 |
| Noncurrent loans to loans | 2.3355% | 1,113 |
| Net loans and leases to total assets | 58.8767% | 3,935 |
| Net loans and leases to deposits | 74.6454% | 3,358 |
| Net loans and leases to core deposits | 75.5587% | 3,760 |
| Total domestic deposits to total assets | 78.8752% | 5,270 |
| Equity capital to assets | 10.5042% | 3,474 |
| Core capital (leverage) ratio | 9.4857% | 4,263 |
| Tier 1 risk-based capital ratio | 13.0199% | 4,720 |
| Total risk-based capital ratio | 14.2734% | 4,627 |
| Memoranda: |
| Average total assets | $95,082,800 | 4,721 |
| Average earning assets | $83,488,800 | 4,806 |
| Average equity | $9,712,400 | 4,813 |
| Average total loans | $54,215,400 | 4,682 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1259% | 3,270 |
| Cost of funding earning assets | 0.4929% | 2,836 |
| Net interest margin | 3.6330% | 3,296 |
| Noninterest income to average assets | 0.4261% | 4,054 |
| Noninterest expense to average assets | 3.3976% | 1,675 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1706% | 5,905 |
| Return on assets (ROA) | 0.2040% | 5,895 |
| Pretax return on assets | 0.2640% | 5,837 |
| Return on Equity (ROE) | 2.0108% | 5,837 |
| Retained earnings to average equity (ytd only) | 2.0108% | 5,045 |
| Net charge-offs to loans | 0.0695% | 3,206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.6432% | 3,226 |
| Efficiency ratio | 92.7799% | 659 |
| Assets per employee ($millions) | 4.1262% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8536% | 1,565 |
| Loan loss allowance to noncurrent loans | 95.4376% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 1.8925% | 1,552 |
| Noncurrent loans to loans | 1.9422% | 1,645 |
| Net loans and leases to total assets | 57.1874% | 4,183 |
| Net loans and leases to deposits | 72.6805% | 3,603 |
| Net loans and leases to core deposits | 73.5572% | 3,988 |
| Total domestic deposits to total assets | 78.6833% | 5,395 |
| Equity capital to assets | 10.3359% | 3,750 |
| Core capital (leverage) ratio | 9.5914% | 4,258 |
| Tier 1 risk-based capital ratio | 13.3421% | 4,650 |
| Total risk-based capital ratio | 14.5967% | 4,575 |
| Memoranda: |
| Average total assets | $95,436,750 | 4,752 |
| Average earning assets | $83,858,500 | 4,840 |
| Average equity | $9,680,750 | 4,853 |
| Average total loans | $53,725,000 | 4,742 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0595% | 3,505 |
| Cost of funding earning assets | 0.5054% | 2,781 |
| Net interest margin | 3.5542% | 3,552 |
| Noninterest income to average assets | 0.3995% | 4,250 |
| Noninterest expense to average assets | 3.3656% | 1,769 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1230% | 6,001 |
| Return on assets (ROA) | 0.1715% | 5,949 |
| Pretax return on assets | 0.2134% | 5,926 |
| Return on Equity (ROE) | 1.7016% | 5,911 |
| Retained earnings to average equity (ytd only) | 1.7016% | 5,054 |
| Net charge-offs to loans | 0.0639% | 3,077 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.2941% | 3,136 |
| Efficiency ratio | 94.4709% | 619 |
| Assets per employee ($millions) | 4.2866% | 3,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9044% | 1,580 |
| Loan loss allowance to noncurrent loans | 64.5483% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 2.4463% | 1,170 |
| Noncurrent loans to loans | 2.9503% | 1,000 |
| Net loans and leases to total assets | 56.5877% | 4,180 |
| Net loans and leases to deposits | 72.3270% | 3,532 |
| Net loans and leases to core deposits | 73.2060% | 3,933 |
| Total domestic deposits to total assets | 78.2387% | 5,593 |
| Equity capital to assets | 10.3695% | 3,596 |
| Core capital (leverage) ratio | 9.5305% | 4,283 |
| Tier 1 risk-based capital ratio | 13.4653% | 4,606 |
| Total risk-based capital ratio | 14.7200% | 4,544 |
| Memoranda: |
| Average total assets | $95,615,000 | 4,780 |
| Average earning assets | $83,901,330 | 4,871 |
| Average equity | $9,638,000 | 4,880 |
| Average total loans | $53,201,000 | 4,779 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9765% | 3,783 |
| Cost of funding earning assets | 0.4953% | 2,954 |
| Net interest margin | 3.4812% | 3,780 |
| Noninterest income to average assets | 0.3698% | 4,429 |
| Noninterest expense to average assets | 3.3323% | 1,868 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0868% | 6,061 |
| Return on assets (ROA) | 0.1454% | 5,970 |
| Pretax return on assets | 0.1745% | 5,968 |
| Return on Equity (ROE) | 1.4633% | 5,939 |
| Retained earnings to average equity (ytd only) | 1.4633% | 5,033 |
| Net charge-offs to loans | -0.0836% | 6,050 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7678% | 657 |
| Assets per employee ($millions) | 4.0240% | 3,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0138% | 1,492 |
| Loan loss allowance to noncurrent loans | 93.2515% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.9083% | 1,801 |
| Noncurrent loans to loans | 2.1595% | 1,689 |
| Net loans and leases to total assets | 53.6075% | 4,472 |
| Net loans and leases to deposits | 65.6372% | 4,134 |
| Net loans and leases to core deposits | 66.3803% | 4,460 |
| Total domestic deposits to total assets | 81.6725% | 5,034 |
| Equity capital to assets | 10.0035% | 3,839 |
| Core capital (leverage) ratio | 9.3781% | 4,466 |
| Tier 1 risk-based capital ratio | 13.8958% | 4,397 |
| Total risk-based capital ratio | 15.1512% | 4,339 |
| Memoranda: |
| Average total assets | $96,270,000 | 4,816 |
| Average earning assets | $84,799,000 | 4,895 |
| Average equity | $9,567,500 | 4,919 |
| Average total loans | $52,601,000 | 4,838 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2988% | 2,964 |
| Cost of funding earning assets | 0.6512% | 2,192 |
| Net interest margin | 3.6476% | 3,252 |
| Noninterest income to average assets | 0.4317% | 4,220 |
| Noninterest expense to average assets | 3.6907% | 1,295 |
| Loan and lease loss provision to assets | 0.0222% | 4,684 |
| Net operating income to assets | -0.0280% | 6,242 |
| Return on assets (ROA) | -0.0185% | 6,270 |
| Pretax return on assets | -0.1086% | 6,294 |
| Return on Equity (ROE) | -0.1557% | 6,271 |
| Retained earnings to average equity (ytd only) | -0.1557% | 5,904 |
| Net charge-offs to loans | 0.0709% | 4,217 |
| Credit loss provision to net charge-offs | 51.4286% | 3,782 |
| Earnings coverage of net charge-offs (x) | -2.3429% | 5,335 |
| Efficiency ratio | 102.3711% | 412 |
| Assets per employee ($millions) | 4.1723% | 3,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0108% | 1,521 |
| Loan loss allowance to noncurrent loans | 88.8608% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 1.9664% | 1,827 |
| Noncurrent loans to loans | 2.2629% | 1,712 |
| Net loans and leases to total assets | 53.4711% | 4,656 |
| Net loans and leases to deposits | 61.7931% | 4,742 |
| Net loans and leases to core deposits | 67.1777% | 4,595 |
| Total domestic deposits to total assets | 86.5324% | 2,978 |
| Equity capital to assets | 9.8725% | 3,935 |
| Core capital (leverage) ratio | 9.1423% | 4,796 |
| Tier 1 risk-based capital ratio | 14.0478% | 4,267 |
| Total risk-based capital ratio | 15.3025% | 4,203 |
| Memoranda: |
| Average total assets | $81,068,600 | 5,214 |
| Average earning assets | $70,183,000 | 5,307 |
| Average equity | $9,632,000 | 4,940 |
| Average total loans | $49,379,600 | 4,987 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3468% | 2,803 |
| Cost of funding earning assets | 0.6727% | 2,154 |
| Net interest margin | 3.6740% | 3,136 |
| Noninterest income to average assets | 0.4120% | 4,436 |
| Noninterest expense to average assets | 3.6701% | 1,288 |
| Loan and lease loss provision to assets | 0.0310% | 4,386 |
| Net operating income to assets | -0.1119% | 6,394 |
| Return on assets (ROA) | -0.1103% | 6,428 |
| Pretax return on assets | -0.1241% | 6,417 |
| Return on Equity (ROE) | -0.8823% | 6,419 |
| Retained earnings to average equity (ytd only) | -0.8823% | 6,118 |
| Net charge-offs to loans | 0.1179% | 3,369 |
| Credit loss provision to net charge-offs | 41.8605% | 3,669 |
| Earnings coverage of net charge-offs (x) | -1.2791% | 5,031 |
| Efficiency ratio | 102.5072% | 390 |
| Assets per employee ($millions) | 4.1887% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0454% | 1,622 |
| Loan loss allowance to noncurrent loans | 83.6000% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 2.0262% | 1,981 |
| Noncurrent loans to loans | 2.4466% | 1,784 |
| Net loans and leases to total assets | 51.9478% | 4,882 |
| Net loans and leases to deposits | 60.3822% | 4,928 |
| Net loans and leases to core deposits | 65.8647% | 4,728 |
| Total domestic deposits to total assets | 86.0316% | 3,236 |
| Equity capital to assets | 9.9503% | 3,966 |
| Core capital (leverage) ratio | 10.7688% | 2,702 |
| Tier 1 risk-based capital ratio | 14.4974% | 4,074 |
| Total risk-based capital ratio | 15.7537% | 4,023 |
| Memoranda: |
| Average total assets | $77,344,750 | 5,352 |
| Average earning assets | $66,591,750 | 5,440 |
| Average equity | $9,671,500 | 4,982 |
| Average total loans | $48,633,000 | 5,060 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7350% | 1,476 |
| Cost of funding earning assets | 0.7282% | 1,857 |
| Net interest margin | 4.0068% | 1,835 |
| Noninterest income to average assets | 0.7970% | 2,198 |
| Noninterest expense to average assets | 3.6669% | 1,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3811% | 5,291 |
| Return on assets (ROA) | 0.3830% | 5,446 |
| Pretax return on assets | 0.5576% | 5,175 |
| Return on Equity (ROE) | 2.8041% | 5,696 |
| Retained earnings to average equity (ytd only) | 2.8041% | 4,530 |
| Net charge-offs to loans | 0.1590% | 2,830 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 5.1842% | 2,953 |
| Efficiency ratio | 86.8579% | 1,330 |
| Assets per employee ($millions) | 4.2209% | 3,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1926% | 1,437 |
| Loan loss allowance to noncurrent loans | 74.4052% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 4.8038% | 654 |
| Noncurrent loans to loans | 2.9468% | 1,518 |
| Net loans and leases to total assets | 64.1572% | 2,887 |
| Net loans and leases to deposits | 79.5315% | 2,399 |
| Net loans and leases to core deposits | 88.9688% | 2,007 |
| Total domestic deposits to total assets | 80.6689% | 5,432 |
| Equity capital to assets | 13.6032% | 1,086 |
| Core capital (leverage) ratio | 13.5028% | 975 |
| Tier 1 risk-based capital ratio | 17.2081% | 2,638 |
| Total risk-based capital ratio | 18.4660% | 2,606 |
| Memoranda: |
| Average total assets | $71,013,330 | 5,538 |
| Average earning assets | $60,697,330 | 5,671 |
| Average equity | $9,700,000 | 5,011 |
| Average total loans | $47,813,670 | 5,109 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6959% | 1,546 |
| Cost of funding earning assets | 0.7250% | 2,026 |
| Net interest margin | 3.9709% | 1,890 |
| Noninterest income to average assets | 0.8607% | 1,896 |
| Noninterest expense to average assets | 3.6975% | 1,250 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4190% | 5,050 |
| Return on assets (ROA) | 0.4190% | 5,204 |
| Pretax return on assets | 0.6059% | 4,925 |
| Return on Equity (ROE) | 3.0612% | 5,566 |
| Retained earnings to average equity (ytd only) | 3.0612% | 4,444 |
| Net charge-offs to loans | 0.1162% | 2,732 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 7.6429% | 2,038 |
| Efficiency ratio | 85.9211% | 1,530 |
| Assets per employee ($millions) | 3.7119% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2351% | 1,510 |
| Loan loss allowance to noncurrent loans | 62.5222% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 4.3232% | 871 |
| Noncurrent loans to loans | 3.5748% | 1,335 |
| Net loans and leases to total assets | 65.4950% | 2,459 |
| Net loans and leases to deposits | 81.3107% | 1,922 |
| Net loans and leases to core deposits | 92.0598% | 1,497 |
| Total domestic deposits to total assets | 80.5490% | 5,614 |
| Equity capital to assets | 13.7694% | 1,109 |
| Core capital (leverage) ratio | 13.5292% | 935 |
| Tier 1 risk-based capital ratio | 17.6066% | 2,515 |
| Total risk-based capital ratio | 18.8666% | 2,478 |
| Memoranda: |
| Average total assets | $70,642,500 | 5,605 |
| Average earning assets | $61,245,500 | 5,702 |
| Average equity | $9,669,500 | 5,074 |
| Average total loans | $48,186,500 | 5,126 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3114% | 907 |
| Cost of funding earning assets | 0.7901% | 2,746 |
| Net interest margin | 4.5213% | 903 |
| Noninterest income to average assets | 0.5312% | 3,701 |
| Noninterest expense to average assets | 4.1441% | 823 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3463% | 5,311 |
| Return on assets (ROA) | 0.3730% | 5,440 |
| Pretax return on assets | 0.4906% | 5,306 |
| Return on Equity (ROE) | 2.9034% | 5,584 |
| Retained earnings to average equity (ytd only) | 2.9034% | 4,189 |
| Net charge-offs to loans | 0.9446% | 1,171 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.6687% | 5,151 |
| Efficiency ratio | 90.0970% | 1,061 |
| Assets per employee ($millions) | 3.7242% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1781% | 1,586 |
| Loan loss allowance to noncurrent loans | 65.3236% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 4.2369% | 999 |
| Noncurrent loans to loans | 3.3343% | 1,532 |
| Net loans and leases to total assets | 67.9150% | 2,194 |
| Net loans and leases to deposits | 83.8908% | 1,766 |
| Net loans and leases to core deposits | 87.9647% | 2,089 |
| Total domestic deposits to total assets | 80.9565% | 5,418 |
| Equity capital to assets | 13.6067% | 1,190 |
| Core capital (leverage) ratio | 13.1282% | 1,069 |
| Tier 1 risk-based capital ratio | 18.4275% | 2,126 |
| Total risk-based capital ratio | 19.6888% | 2,088 |
| Memoranda: |
| Average total assets | $73,985,400 | 5,513 |
| Average earning assets | $66,573,800 | 5,533 |
| Average equity | $9,506,000 | 5,108 |
| Average total loans | $53,354,600 | 4,971 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4357% | 773 |
| Cost of funding earning assets | 0.8089% | 2,870 |
| Net interest margin | 4.6267% | 780 |
| Noninterest income to average assets | 0.4724% | 4,122 |
| Noninterest expense to average assets | 4.1144% | 810 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3958% | 5,268 |
| Return on assets (ROA) | 0.4296% | 5,358 |
| Pretax return on assets | 0.5847% | 5,220 |
| Return on Equity (ROE) | 3.3912% | 5,536 |
| Retained earnings to average equity (ytd only) | 3.3912% | 4,479 |
| Net charge-offs to loans | 0.8601% | 1,278 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.8604% | 4,901 |
| Efficiency ratio | 88.4291% | 1,152 |
| Assets per employee ($millions) | 3.3975% | 5,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4464% | 1,273 |
| Loan loss allowance to noncurrent loans | 144.3920% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 3.2783% | 1,556 |
| Noncurrent loans to loans | 1.6943% | 3,251 |
| Net loans and leases to total assets | 68.3523% | 2,240 |
| Net loans and leases to deposits | 84.3270% | 1,827 |
| Net loans and leases to core deposits | 88.0575% | 2,205 |
| Total domestic deposits to total assets | 81.0562% | 5,334 |
| Equity capital to assets | 13.4398% | 1,376 |
| Core capital (leverage) ratio | 13.0334% | 1,183 |
| Tier 1 risk-based capital ratio | 17.9828% | 2,362 |
| Total risk-based capital ratio | 19.2467% | 2,325 |
| Memoranda: |
| Average total assets | $74,792,000 | 5,552 |
| Average earning assets | $67,576,500 | 5,564 |
| Average equity | $9,475,500 | 5,160 |
| Average total loans | $54,411,750 | 4,978 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4628% | 779 |
| Cost of funding earning assets | 0.8273% | 2,976 |
| Net interest margin | 4.6355% | 769 |
| Noninterest income to average assets | 0.5188% | 3,796 |
| Noninterest expense to average assets | 4.1085% | 826 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4530% | 5,025 |
| Return on assets (ROA) | 0.4530% | 5,263 |
| Pretax return on assets | 0.6163% | 5,082 |
| Return on Equity (ROE) | 3.6450% | 5,421 |
| Retained earnings to average equity (ytd only) | 3.6450% | 4,171 |
| Net charge-offs to loans | 0.0251% | 5,034 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 33.4286% | 998 |
| Efficiency ratio | 86.9565% | 1,341 |
| Assets per employee ($millions) | 3.7050% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9296% | 841 |
| Loan loss allowance to noncurrent loans | 125.6616% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 1.7220% | 3,141 |
| Noncurrent loans to loans | 2.3313% | 2,564 |
| Net loans and leases to total assets | 70.0711% | 1,909 |
| Net loans and leases to deposits | 86.3481% | 1,555 |
| Net loans and leases to core deposits | 89.4436% | 2,038 |
| Total domestic deposits to total assets | 81.1495% | 5,416 |
| Equity capital to assets | 12.8477% | 1,597 |
| Core capital (leverage) ratio | 12.4194% | 1,389 |
| Tier 1 risk-based capital ratio | 16.2515% | 3,029 |
| Total risk-based capital ratio | 17.5214% | 2,991 |
| Memoranda: |
| Average total assets | $75,940,000 | 5,547 |
| Average earning assets | $68,902,670 | 5,562 |
| Average equity | $9,437,670 | 5,173 |
| Average total loans | $55,885,330 | 4,955 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5910% | 637 |
| Cost of funding earning assets | 0.8452% | 3,102 |
| Net interest margin | 4.7458% | 633 |
| Noninterest income to average assets | 0.5569% | 3,522 |
| Noninterest expense to average assets | 4.0905% | 834 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5204% | 4,735 |
| Return on assets (ROA) | 0.5204% | 4,944 |
| Pretax return on assets | 0.7910% | 4,445 |
| Return on Equity (ROE) | 4.2569% | 5,160 |
| Retained earnings to average equity (ytd only) | 4.2569% | 4,033 |
| Net charge-offs to loans | 0.1822% | 3,014 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 5.8462% | 2,292 |
| Efficiency ratio | 83.7953% | 1,710 |
| Assets per employee ($millions) | 3.8225% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7123% | 1,102 |
| Loan loss allowance to noncurrent loans | 136.5079% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 1.5173% | 3,576 |
| Noncurrent loans to loans | 1.9869% | 3,181 |
| Net loans and leases to total assets | 72.6305% | 1,291 |
| Net loans and leases to deposits | 87.9926% | 1,166 |
| Net loans and leases to core deposits | 90.9904% | 1,753 |
| Total domestic deposits to total assets | 82.5415% | 5,108 |
| Equity capital to assets | 12.3623% | 1,812 |
| Core capital (leverage) ratio | 12.2867% | 1,441 |
| Tier 1 risk-based capital ratio | 14.9286% | 3,802 |
| Total risk-based capital ratio | 16.1947% | 3,753 |
| Memoranda: |
| Average total assets | $76,860,500 | 5,568 |
| Average earning assets | $70,041,500 | 5,560 |
| Average equity | $9,396,500 | 5,193 |
| Average total loans | $57,083,500 | 4,940 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4024% | 1,417 |
| Cost of funding earning assets | 1.0664% | 2,907 |
| Net interest margin | 4.3359% | 1,585 |
| Noninterest income to average assets | 0.4094% | 4,543 |
| Noninterest expense to average assets | 3.8416% | 1,272 |
| Loan and lease loss provision to assets | 0.0618% | 5,838 |
| Net operating income to assets | 0.3527% | 5,054 |
| Return on assets (ROA) | 0.3921% | 5,069 |
| Pretax return on assets | 0.5318% | 4,896 |
| Return on Equity (ROE) | 3.4559% | 5,094 |
| Retained earnings to average equity (ytd only) | 3.4559% | 3,762 |
| Net charge-offs to loans | 0.0619% | 5,680 |
| Credit loss provision to net charge-offs | 131.5789% | 2,319 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 1,715 |
| Efficiency ratio | 87.6658% | 1,384 |
| Assets per employee ($millions) | 4.0669% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7569% | 1,027 |
| Loan loss allowance to noncurrent loans | 67.9327% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 3.1072% | 1,923 |
| Noncurrent loans to loans | 4.0583% | 1,538 |
| Net loans and leases to total assets | 71.8497% | 1,671 |
| Net loans and leases to deposits | 86.7674% | 1,566 |
| Net loans and leases to core deposits | 90.0303% | 2,131 |
| Total domestic deposits to total assets | 82.8073% | 4,828 |
| Equity capital to assets | 12.0899% | 2,050 |
| Core capital (leverage) ratio | 11.2423% | 2,090 |
| Tier 1 risk-based capital ratio | 14.4753% | 3,990 |
| Total risk-based capital ratio | 15.7427% | 3,960 |
| Memoranda: |
| Average total assets | $80,852,200 | 5,436 |
| Average earning assets | $74,078,600 | 5,397 |
| Average equity | $9,172,800 | 5,233 |
| Average total loans | $61,431,200 | 4,812 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4200% | 1,457 |
| Cost of funding earning assets | 1.1025% | 2,963 |
| Net interest margin | 4.3175% | 1,652 |
| Noninterest income to average assets | 0.6002% | 3,157 |
| Noninterest expense to average assets | 4.0204% | 985 |
| Loan and lease loss provision to assets | 0.0816% | 5,423 |
| Net operating income to assets | 0.3137% | 5,345 |
| Return on assets (ROA) | 0.3621% | 5,340 |
| Pretax return on assets | 0.5219% | 5,077 |
| Return on Equity (ROE) | 3.2418% | 5,334 |
| Retained earnings to average equity (ytd only) | 3.2418% | 4,411 |
| Net charge-offs to loans | 0.0704% | 5,255 |
| Credit loss provision to net charge-offs | 151.5152% | 2,058 |
| Earnings coverage of net charge-offs (x) | 9.9089% | 1,988 |
| Efficiency ratio | 88.2880% | 1,323 |
| Assets per employee ($millions) | 3.9266% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6857% | 1,145 |
| Loan loss allowance to noncurrent loans | 65.4372% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 3.6879% | 1,698 |
| Noncurrent loans to loans | 4.1042% | 1,614 |
| Net loans and leases to total assets | 69.3856% | 2,197 |
| Net loans and leases to deposits | 82.7438% | 2,217 |
| Net loans and leases to core deposits | 85.6138% | 2,827 |
| Total domestic deposits to total assets | 83.8560% | 4,300 |
| Equity capital to assets | 11.2166% | 2,950 |
| Core capital (leverage) ratio | 11.0333% | 2,362 |
| Tier 1 risk-based capital ratio | 14.1460% | 4,237 |
| Total risk-based capital ratio | 15.4129% | 4,197 |
| Memoranda: |
| Average total assets | $81,747,500 | 5,447 |
| Average earning assets | $74,856,750 | 5,426 |
| Average equity | $9,130,500 | 5,274 |
| Average total loans | $62,515,750 | 4,809 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4288% | 1,480 |
| Cost of funding earning assets | 1.1425% | 2,951 |
| Net interest margin | 4.2863% | 1,718 |
| Noninterest income to average assets | 0.5913% | 3,191 |
| Noninterest expense to average assets | 3.9234% | 1,157 |
| Loan and lease loss provision to assets | 0.1227% | 4,753 |
| Net operating income to assets | 0.3582% | 5,141 |
| Return on assets (ROA) | 0.3582% | 5,278 |
| Pretax return on assets | 0.4760% | 5,147 |
| Return on Equity (ROE) | 3.2120% | 5,300 |
| Retained earnings to average equity (ytd only) | 3.2120% | 4,223 |
| Net charge-offs to loans | 0.0941% | 4,738 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 8.1333% | 2,111 |
| Efficiency ratio | 86.7607% | 1,529 |
| Assets per employee ($millions) | 3.6045% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5488% | 1,374 |
| Loan loss allowance to noncurrent loans | 45.0969% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 5.7504% | 1,003 |
| Noncurrent loans to loans | 5.6519% | 1,101 |
| Net loans and leases to total assets | 76.2759% | 1,042 |
| Net loans and leases to deposits | 91.7149% | 1,091 |
| Net loans and leases to core deposits | 100.7043% | 1,279 |
| Total domestic deposits to total assets | 83.1662% | 4,692 |
| Equity capital to assets | 11.6092% | 2,405 |
| Core capital (leverage) ratio | 10.9980% | 2,252 |
| Tier 1 risk-based capital ratio | 13.6153% | 4,444 |
| Total risk-based capital ratio | 14.8806% | 4,412 |
| Memoranda: |
| Average total assets | $81,510,670 | 5,501 |
| Average earning assets | $74,749,000 | 5,471 |
| Average equity | $9,091,000 | 5,298 |
| Average total loans | $63,756,670 | 4,807 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2780% | 1,941 |
| Cost of funding earning assets | 1.1600% | 3,087 |
| Net interest margin | 4.1180% | 2,199 |
| Noninterest income to average assets | 0.4406% | 4,360 |
| Noninterest expense to average assets | 3.8297% | 1,292 |
| Loan and lease loss provision to assets | 0.2421% | 3,253 |
| Net operating income to assets | 0.1501% | 5,947 |
| Return on assets (ROA) | 0.1501% | 6,004 |
| Pretax return on assets | 0.1501% | 6,056 |
| Return on Equity (ROE) | 1.3727% | 6,027 |
| Retained earnings to average equity (ytd only) | 1.3727% | 5,276 |
| Net charge-offs to loans | -0.2724% | 7,324 |
| Credit loss provision to net charge-offs | -113.6364% | 5,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7110% | 1,266 |
| Assets per employee ($millions) | 3.8326% | 4,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5767% | 1,347 |
| Loan loss allowance to noncurrent loans | 35.1966% | 5,948 |
| Noncurrent assets plus other real estate owned to assets | 6.5442% | 848 |
| Noncurrent loans to loans | 7.3208% | 721 |
| Net loans and leases to total assets | 77.7956% | 758 |
| Net loans and leases to deposits | 92.9321% | 925 |
| Net loans and leases to core deposits | 101.9274% | 1,205 |
| Total domestic deposits to total assets | 83.7123% | 4,614 |
| Equity capital to assets | 11.2557% | 2,453 |
| Core capital (leverage) ratio | 10.4414% | 2,666 |
| Tier 1 risk-based capital ratio | 13.0410% | 4,798 |
| Total risk-based capital ratio | 14.3075% | 4,766 |
| Memoranda: |
| Average total assets | $82,616,500 | 5,507 |
| Average earning assets | $75,862,500 | 5,480 |
| Average equity | $9,033,500 | 5,318 |
| Average total loans | $64,601,000 | 4,819 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7291% | 1,471 |
| Cost of funding earning assets | 1.4748% | 2,793 |
| Net interest margin | 4.2543% | 1,980 |
| Noninterest income to average assets | 0.1735% | 6,503 |
| Noninterest expense to average assets | 3.8498% | 1,388 |
| Loan and lease loss provision to assets | 0.3098% | 4,325 |
| Net operating income to assets | 0.0314% | 5,750 |
| Return on assets (ROA) | 0.0631% | 5,816 |
| Pretax return on assets | -0.0169% | 5,917 |
| Return on Equity (ROE) | 0.6191% | 5,805 |
| Retained earnings to average equity (ytd only) | 0.6191% | 5,268 |
| Net charge-offs to loans | 1.0164% | 2,164 |
| Credit loss provision to net charge-offs | 39.1181% | 6,401 |
| Earnings coverage of net charge-offs (x) | 0.3073% | 5,801 |
| Efficiency ratio | 94.0545% | 1,057 |
| Assets per employee ($millions) | 3.8522% | 4,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3840% | 1,567 |
| Loan loss allowance to noncurrent loans | 46.7109% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 4.5239% | 1,478 |
| Noncurrent loans to loans | 5.1037% | 1,306 |
| Net loans and leases to total assets | 74.7914% | 1,520 |
| Net loans and leases to deposits | 88.4808% | 1,723 |
| Net loans and leases to core deposits | 100.5824% | 1,570 |
| Total domestic deposits to total assets | 84.5284% | 4,095 |
| Equity capital to assets | 10.6290% | 3,039 |
| Core capital (leverage) ratio | 9.6354% | 3,505 |
| Tier 1 risk-based capital ratio | 12.8920% | 4,690 |
| Total risk-based capital ratio | 14.1562% | 4,653 |
| Memoranda: |
| Average total assets | $88,757,400 | 5,326 |
| Average earning assets | $81,775,600 | 5,283 |
| Average equity | $9,046,000 | 5,408 |
| Average total loans | $69,168,400 | 4,711 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8957% | 1,142 |
| Cost of funding earning assets | 1.5199% | 2,846 |
| Net interest margin | 4.3759% | 1,597 |
| Noninterest income to average assets | 0.4605% | 4,479 |
| Noninterest expense to average assets | 3.9482% | 1,119 |
| Loan and lease loss provision to assets | 0.2228% | 4,824 |
| Net operating income to assets | 0.3086% | 5,131 |
| Return on assets (ROA) | 0.3714% | 5,064 |
| Pretax return on assets | 0.3877% | 5,254 |
| Return on Equity (ROE) | 3.6810% | 4,924 |
| Retained earnings to average equity (ytd only) | 3.6810% | 3,869 |
| Net charge-offs to loans | 0.5107% | 3,245 |
| Credit loss provision to net charge-offs | 55.7621% | 5,788 |
| Earnings coverage of net charge-offs (x) | 1.3643% | 4,713 |
| Efficiency ratio | 87.8678% | 1,457 |
| Assets per employee ($millions) | 4.0745% | 3,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7212% | 1,060 |
| Loan loss allowance to noncurrent loans | 66.9672% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 3.7785% | 1,881 |
| Noncurrent loans to loans | 4.0635% | 1,836 |
| Net loans and leases to total assets | 74.0579% | 1,790 |
| Net loans and leases to deposits | 86.9971% | 2,150 |
| Net loans and leases to core deposits | 96.9124% | 2,156 |
| Total domestic deposits to total assets | 85.1268% | 3,557 |
| Equity capital to assets | 10.2669% | 3,807 |
| Core capital (leverage) ratio | 9.6821% | 3,645 |
| Tier 1 risk-based capital ratio | 12.4230% | 5,061 |
| Total risk-based capital ratio | 13.6910% | 5,008 |
| Memoranda: |
| Average total assets | $89,759,500 | 5,364 |
| Average earning assets | $82,724,250 | 5,318 |
| Average equity | $9,055,500 | 5,477 |
| Average total loans | $70,227,250 | 4,751 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9280% | 1,114 |
| Cost of funding earning assets | 1.5648% | 2,870 |
| Net interest margin | 4.3632% | 1,555 |
| Noninterest income to average assets | 0.2895% | 5,832 |
| Noninterest expense to average assets | 3.8307% | 1,306 |
| Loan and lease loss provision to assets | 0.3341% | 3,728 |
| Net operating income to assets | 0.1351% | 5,771 |
| Return on assets (ROA) | 0.2272% | 5,604 |
| Pretax return on assets | 0.2405% | 5,680 |
| Return on Equity (ROE) | 2.2651% | 5,554 |
| Retained earnings to average equity (ytd only) | 2.2651% | 4,713 |
| Net charge-offs to loans | 0.5389% | 2,911 |
| Credit loss provision to net charge-offs | 78.5340% | 4,748 |
| Earnings coverage of net charge-offs (x) | 1.1204% | 4,668 |
| Efficiency ratio | 88.9349% | 1,422 |
| Assets per employee ($millions) | 3.9800% | 3,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7483% | 1,045 |
| Loan loss allowance to noncurrent loans | 60.3180% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 3.8557% | 1,799 |
| Noncurrent loans to loans | 4.5563% | 1,593 |
| Net loans and leases to total assets | 78.2021% | 1,078 |
| Net loans and leases to deposits | 92.0076% | 1,530 |
| Net loans and leases to core deposits | 110.0339% | 1,161 |
| Total domestic deposits to total assets | 84.9953% | 3,629 |
| Equity capital to assets | 10.3347% | 3,604 |
| Core capital (leverage) ratio | 9.5424% | 3,755 |
| Tier 1 risk-based capital ratio | 11.5332% | 5,734 |
| Total risk-based capital ratio | 12.8014% | 5,691 |
| Memoranda: |
| Average total assets | $89,800,000 | 5,396 |
| Average earning assets | $82,691,670 | 5,347 |
| Average equity | $9,006,330 | 5,500 |
| Average total loans | $70,889,330 | 4,762 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9793% | 1,017 |
| Cost of funding earning assets | 1.6338% | 2,747 |
| Net interest margin | 4.3455% | 1,550 |
| Noninterest income to average assets | 0.4487% | 4,483 |
| Noninterest expense to average assets | 4.0035% | 1,028 |
| Loan and lease loss provision to assets | 0.4399% | 2,763 |
| Net operating income to assets | -0.0033% | 6,293 |
| Return on assets (ROA) | 0.0132% | 6,362 |
| Pretax return on assets | 0.0176% | 6,320 |
| Return on Equity (ROE) | 0.1336% | 6,368 |
| Retained earnings to average equity (ytd only) | 0.1336% | 5,769 |
| Net charge-offs to loans | 0.7367% | 2,032 |
| Credit loss provision to net charge-offs | 76.3359% | 3,966 |
| Earnings coverage of net charge-offs (x) | 0.7557% | 4,355 |
| Efficiency ratio | 90.1883% | 1,423 |
| Assets per employee ($millions) | 3.5357% | 4,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8116% | 970 |
| Loan loss allowance to noncurrent loans | 113.1472% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 3.8431% | 1,804 |
| Noncurrent loans to loans | 2.4849% | 3,185 |
| Net loans and leases to total assets | 76.0603% | 1,534 |
| Net loans and leases to deposits | 89.4043% | 2,002 |
| Net loans and leases to core deposits | 107.2024% | 1,480 |
| Total domestic deposits to total assets | 85.0746% | 3,635 |
| Equity capital to assets | 10.1716% | 3,640 |
| Core capital (leverage) ratio | 9.1862% | 4,250 |
| Tier 1 risk-based capital ratio | 11.2899% | 5,866 |
| Total risk-based capital ratio | 12.5579% | 5,810 |
| Memoranda: |
| Average total assets | $90,920,500 | 5,424 |
| Average earning assets | $83,488,000 | 5,380 |
| Average equity | $8,985,000 | 5,554 |
| Average total loans | $71,130,000 | 4,815 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5046% | 667 |
| Cost of funding earning assets | 2.0938% | 2,494 |
| Net interest margin | 4.4108% | 1,399 |
| Noninterest income to average assets | 0.7038% | 2,940 |
| Noninterest expense to average assets | 4.1033% | 1,228 |
| Loan and lease loss provision to assets | 2.2850% | 896 |
| Net operating income to assets | -0.9326% | 6,528 |
| Return on assets (ROA) | -0.8859% | 6,500 |
| Pretax return on assets | -1.4934% | 6,700 |
| Return on Equity (ROE) | -8.7126% | 6,523 |
| Retained earnings to average equity (ytd only) | -8.9936% | 6,427 |
| Net charge-offs to loans | 1.8805% | 1,323 |
| Credit loss provision to net charge-offs | 148.1812% | 3,164 |
| Earnings coverage of net charge-offs (x) | 0.4660% | 5,645 |
| Efficiency ratio | 85.0966% | 2,210 |
| Assets per employee ($millions) | 3.5942% | 4,794 |
| Cash dividends to net income (ytd only)* | -3.2258% | 7,472 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7038% | 1,012 |
| Loan loss allowance to noncurrent loans | 56.3766% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 3.9305% | 1,682 |
| Noncurrent loans to loans | 4.7959% | 1,441 |
| Net loans and leases to total assets | 76.0926% | 1,772 |
| Net loans and leases to deposits | 89.2082% | 2,355 |
| Net loans and leases to core deposits | 109.1888% | 2,982 |
| Total domestic deposits to total assets | 85.2977% | 3,410 |
| Equity capital to assets | 9.6086% | 4,261 |
| Core capital (leverage) ratio | 8.7223% | 4,887 |
| Tier 1 risk-based capital ratio | 10.6135% | 6,289 |
| Total risk-based capital ratio | 11.8804% | 6,244 |
| Memoranda: |
| Average total assets | $94,484,600 | 5,255 |
| Average earning assets | $88,214,600 | 5,186 |
| Average equity | $9,606,800 | 5,412 |
| Average total loans | $77,479,200 | 4,603 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6762% | 530 |
| Cost of funding earning assets | 2.1682% | 2,562 |
| Net interest margin | 4.5080% | 1,174 |
| Noninterest income to average assets | 0.7599% | 2,646 |
| Noninterest expense to average assets | 4.0909% | 1,161 |
| Loan and lease loss provision to assets | 1.1596% | 1,674 |
| Net operating income to assets | -0.1809% | 6,029 |
| Return on assets (ROA) | -0.1168% | 5,948 |
| Pretax return on assets | -0.1773% | 5,945 |
| Return on Equity (ROE) | -1.1334% | 5,956 |
| Retained earnings to average equity (ytd only) | -1.5021% | 5,611 |
| Net charge-offs to loans | 0.7992% | 2,366 |
| Credit loss provision to net charge-offs | 174.9469% | 2,647 |
| Earnings coverage of net charge-offs (x) | 1.3355% | 4,786 |
| Efficiency ratio | 82.2115% | 2,554 |
| Assets per employee ($millions) | 3.5220% | 4,875 |
| Cash dividends to net income (ytd only)* | -32.5321% | 7,891 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1440% | 1,514 |
| Loan loss allowance to noncurrent loans | 395.8637% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.5521% | 6,079 |
| Noncurrent loans to loans | 0.5416% | 6,226 |
| Net loans and leases to total assets | 78.0899% | 1,551 |
| Net loans and leases to deposits | 92.2689% | 2,196 |
| Net loans and leases to core deposits | 120.2286% | 2,220 |
| Total domestic deposits to total assets | 84.6329% | 3,416 |
| Equity capital to assets | 10.2489% | 3,787 |
| Core capital (leverage) ratio | 10.1650% | 3,098 |
| Tier 1 risk-based capital ratio | 11.7832% | 5,163 |
| Total risk-based capital ratio | 13.0429% | 5,104 |
| Memoranda: |
| Average total assets | $94,743,750 | 5,280 |
| Average earning assets | $88,610,500 | 5,211 |
| Average equity | $9,763,750 | 5,410 |
| Average total loans | $78,578,250 | 4,603 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7428% | 500 |
| Cost of funding earning assets | 2.1986% | 2,798 |
| Net interest margin | 4.5442% | 1,068 |
| Noninterest income to average assets | 0.8306% | 2,268 |
| Noninterest expense to average assets | 4.1552% | 1,122 |
| Loan and lease loss provision to assets | 1.5831% | 1,072 |
| Net operating income to assets | -0.4387% | 6,487 |
| Return on assets (ROA) | -0.3509% | 6,406 |
| Pretax return on assets | -0.5284% | 6,457 |
| Return on Equity (ROE) | -3.3983% | 6,408 |
| Retained earnings to average equity (ytd only) | -3.9510% | 6,130 |
| Net charge-offs to loans | 1.1425% | 1,594 |
| Credit loss provision to net charge-offs | 164.9780% | 2,778 |
| Earnings coverage of net charge-offs (x) | 0.9604% | 4,809 |
| Efficiency ratio | 81.8485% | 2,740 |
| Assets per employee ($millions) | 3.0571% | 5,980 |
| Cash dividends to net income (ytd only)* | -16.2651% | 7,914 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0344% | 1,506 |
| Loan loss allowance to noncurrent loans | 223.8231% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.8145% | 5,356 |
| Noncurrent loans to loans | 0.9089% | 5,402 |
| Net loans and leases to total assets | 82.3822% | 887 |
| Net loans and leases to deposits | 98.4712% | 1,456 |
| Net loans and leases to core deposits | 124.4396% | 1,983 |
| Total domestic deposits to total assets | 83.6612% | 3,938 |
| Equity capital to assets | 10.4859% | 3,417 |
| Core capital (leverage) ratio | 10.1589% | 3,140 |
| Tier 1 risk-based capital ratio | 11.6290% | 5,262 |
| Total risk-based capital ratio | 12.8883% | 5,189 |
| Memoranda: |
| Average total assets | $94,627,330 | 5,323 |
| Average earning assets | $88,420,330 | 5,248 |
| Average equity | $9,769,670 | 5,430 |
| Average total loans | $79,476,000 | 4,604 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6678% | 617 |
| Cost of funding earning assets | 2.2449% | 2,937 |
| Net interest margin | 4.4229% | 1,292 |
| Noninterest income to average assets | 0.6245% | 3,386 |
| Noninterest expense to average assets | 4.0506% | 1,127 |
| Loan and lease loss provision to assets | 0.3330% | 3,327 |
| Net operating income to assets | 0.2481% | 5,494 |
| Return on assets (ROA) | 0.3330% | 5,335 |
| Pretax return on assets | 0.4912% | 5,105 |
| Return on Equity (ROE) | 3.2501% | 5,258 |
| Retained earnings to average equity (ytd only) | 3.2501% | 4,064 |
| Net charge-offs to loans | 0.1289% | 3,930 |
| Credit loss provision to net charge-offs | 307.6923% | 1,580 |
| Earnings coverage of net charge-offs (x) | 6.4615% | 2,494 |
| Efficiency ratio | 85.2761% | 2,162 |
| Assets per employee ($millions) | 3.2048% | 5,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6892% | 2,179 |
| Loan loss allowance to noncurrent loans | 212.1406% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 1.1150% | 4,455 |
| Noncurrent loans to loans | 0.7963% | 5,443 |
| Net loans and leases to total assets | 80.3896% | 1,317 |
| Net loans and leases to deposits | 95.9313% | 1,958 |
| Net loans and leases to core deposits | 120.4498% | 2,382 |
| Total domestic deposits to total assets | 83.7991% | 3,802 |
| Equity capital to assets | 10.2816% | 3,669 |
| Core capital (leverage) ratio | 10.3642% | 3,057 |
| Tier 1 risk-based capital ratio | 11.4567% | 5,456 |
| Total risk-based capital ratio | 12.7110% | 5,347 |
| Memoranda: |
| Average total assets | $96,084,000 | 5,304 |
| Average earning assets | $89,625,000 | 5,236 |
| Average equity | $9,846,000 | 5,436 |
| Average total loans | $80,651,500 | 4,592 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2347% | 684 |
| Cost of funding earning assets | 2.8427% | 2,512 |
| Net interest margin | 4.3920% | 1,709 |
| Noninterest income to average assets | 0.6514% | 3,465 |
| Noninterest expense to average assets | 4.0527% | 1,340 |
| Loan and lease loss provision to assets | 0.5239% | 2,716 |
| Net operating income to assets | 0.2210% | 5,787 |
| Return on assets (ROA) | 0.2433% | 5,540 |
| Pretax return on assets | 0.1668% | 5,806 |
| Return on Equity (ROE) | 2.3599% | 5,473 |
| Retained earnings to average equity (ytd only) | 0.0309% | 5,218 |
| Net charge-offs to loans | 0.0901% | 5,456 |
| Credit loss provision to net charge-offs | 704.2857% | 596 |
| Earnings coverage of net charge-offs (x) | 8.9857% | 2,779 |
| Efficiency ratio | 85.8429% | 1,867 |
| Assets per employee ($millions) | 3.0008% | 6,056 |
| Cash dividends to net income (ytd only)* | 98.6900% | 1,030 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5408% | 2,496 |
| Loan loss allowance to noncurrent loans | 195.0995% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 1.1445% | 3,980 |
| Noncurrent loans to loans | 0.7897% | 5,064 |
| Net loans and leases to total assets | 84.7821% | 766 |
| Net loans and leases to deposits | 109.4203% | 872 |
| Net loans and leases to core deposits | 144.6707% | 1,069 |
| Total domestic deposits to total assets | 77.4829% | 5,882 |
| Equity capital to assets | 10.2130% | 3,788 |
| Core capital (leverage) ratio | 10.2300% | 3,235 |
| Tier 1 risk-based capital ratio | 11.1566% | 5,591 |
| Total risk-based capital ratio | 12.4101% | 5,472 |
| Memoranda: |
| Average total assets | $94,109,600 | 5,224 |
| Average earning assets | $87,204,600 | 5,176 |
| Average equity | $9,703,600 | 5,507 |
| Average total loans | $77,725,000 | 4,594 |
