Home > Central Bank > Performance and Condition Ratios
Central Bank, Performance and Condition Ratios
| 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 | 4.9125% | 2,251 |
| Cost of funding earning assets | 0.9371% | 3,446 |
| Net interest margin | 3.9753% | 1,246 |
| Noninterest income to average assets | 1.8500% | 297 |
| Noninterest expense to average assets | 3.4239% | 638 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5839% | 884 |
| Return on assets (ROA) | 1.5839% | 853 |
| Pretax return on assets | 2.1201% | 554 |
| Return on Equity (ROE) | 17.7200% | 860 |
| Retained earnings to average equity (ytd only) | 16.2802% | 254 |
| Net charge-offs to loans | 0.0087% | 2,332 |
| Credit loss provision to net charge-offs | -1,428.5714% | 4,574 |
| Earnings coverage of net charge-offs (x) | 405.5714% | 349 |
| Efficiency ratio | 61.7592% | 2,866 |
| Assets per employee ($millions) | 3.9371% | 4,181 |
| Cash dividends to net income (ytd only)* | 8.1094% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3843% | 1,441 |
| Loan loss allowance to noncurrent loans | 3,105.4054% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 3,518 |
| Noncurrent loans to loans | 0.0446% | 3,402 |
| Net loans and leases to total assets | 57.7500% | 3,064 |
| Net loans and leases to deposits | 64.4289% | 3,266 |
| Net loans and leases to core deposits | 74.3058% | 3,062 |
| Total domestic deposits to total assets | 89.6300% | 866 |
| Equity capital to assets | 9.3844% | 2,433 |
| Core capital (leverage) ratio | 12.1627% | 1,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0736% | 474 |
| Memoranda: | ||
| Average total assets | $133,911,000 | 3,514 |
| Average earning assets | $124,316,600 | 3,500 |
| Average equity | $11,971,600 | 3,527 |
| Average total loans | $80,201,600 | 3,402 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8855% | 2,093 |
| Cost of funding earning assets | 0.8345% | 3,441 |
| Net interest margin | 4.0509% | 1,149 |
| Noninterest income to average assets | 2.1700% | 262 |
| Noninterest expense to average assets | 3.5021% | 555 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8107% | 657 |
| Return on assets (ROA) | 1.8107% | 649 |
| Pretax return on assets | 2.4331% | 412 |
| Return on Equity (ROE) | 20.5300% | 671 |
| Retained earnings to average equity (ytd only) | 20.5277% | 240 |
| Net charge-offs to loans | 0.0117% | 1,966 |
| Credit loss provision to net charge-offs | -1,428.5714% | 4,608 |
| Earnings coverage of net charge-offs (x) | 344.0000% | 413 |
| Efficiency ratio | 59.0058% | 3,087 |
| Assets per employee ($millions) | 4.1127% | 4,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 1,314 |
| Loan loss allowance to noncurrent loans | 2,089.0909% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 3,392 |
| Noncurrent loans to loans | 0.0686% | 3,269 |
| Net loans and leases to total assets | 58.2100% | 3,015 |
| Net loans and leases to deposits | 64.6197% | 3,218 |
| Net loans and leases to core deposits | 74.6412% | 2,953 |
| Total domestic deposits to total assets | 90.0800% | 919 |
| Equity capital to assets | 8.9500% | 2,447 |
| Core capital (leverage) ratio | 11.8493% | 1,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1797% | 479 |
| Memoranda: | ||
| Average total assets | $131,955,000 | 3,540 |
| Average earning assets | $122,700,750 | 3,522 |
| Average equity | $11,639,250 | 3,562 |
| Average total loans | $79,501,500 | 3,422 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7772% | 2,043 |
| Cost of funding earning assets | 0.7055% | 3,474 |
| Net interest margin | 4.0717% | 1,128 |
| Noninterest income to average assets | 2.7700% | 185 |
| Noninterest expense to average assets | 3.5455% | 512 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.2555% | 326 |
| Return on assets (ROA) | 2.2555% | 320 |
| Pretax return on assets | 3.0482% | 195 |
| Return on Equity (ROE) | 25.7000% | 352 |
| Retained earnings to average equity (ytd only) | 25.7018% | 115 |
| Net charge-offs to loans | 0.0202% | 1,485 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,629 |
| Earnings coverage of net charge-offs (x) | 249.0000% | 510 |
| Efficiency ratio | 53.7712% | 3,633 |
| Assets per employee ($millions) | 3.8559% | 4,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 1,454 |
| Loan loss allowance to noncurrent loans | 2,551.1111% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 3,449 |
| Noncurrent loans to loans | 0.0557% | 3,298 |
| Net loans and leases to total assets | 59.0400% | 2,865 |
| Net loans and leases to deposits | 65.6350% | 3,081 |
| Net loans and leases to core deposits | 75.7768% | 2,771 |
| Total domestic deposits to total assets | 89.9500% | 930 |
| Equity capital to assets | 9.1466% | 2,416 |
| Core capital (leverage) ratio | 11.8055% | 1,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3427% | 467 |
| Memoranda: | ||
| Average total assets | $130,700,000 | 3,562 |
| Average earning assets | $122,750,667 | 3,530 |
| Average equity | $11,470,000 | 3,593 |
| Average total loans | $79,284,333 | 3,426 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7302% | 1,780 |
| Cost of funding earning assets | 0.5506% | 3,531 |
| Net interest margin | 4.1795% | 982 |
| Noninterest income to average assets | 0.9100% | 670 |
| Noninterest expense to average assets | 3.9573% | 363 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6471% | 3,591 |
| Return on assets (ROA) | 0.6471% | 3,551 |
| Pretax return on assets | 0.8711% | 3,308 |
| Return on Equity (ROE) | 7.5400% | 3,402 |
| Retained earnings to average equity (ytd only) | 7.5410% | 2,352 |
| Net charge-offs to loans | -0.0051% | 3,644 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.9588% | 707 |
| Assets per employee ($millions) | 3.6608% | 4,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4538% | 1,420 |
| Loan loss allowance to noncurrent loans | 2,029.8246% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,353 |
| Noncurrent loans to loans | 0.0716% | 3,220 |
| Net loans and leases to total assets | 59.5100% | 2,712 |
| Net loans and leases to deposits | 65.5032% | 2,973 |
| Net loans and leases to core deposits | 74.4002% | 2,645 |
| Total domestic deposits to total assets | 90.8500% | 845 |
| Equity capital to assets | 8.6496% | 2,788 |
| Core capital (leverage) ratio | 10.5708% | 2,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7193% | 590 |
| Memoranda: | ||
| Average total assets | $128,571,500 | 3,634 |
| Average earning assets | $120,587,500 | 3,603 |
| Average equity | $11,033,000 | 3,673 |
| Average total loans | $78,514,000 | 3,473 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0986% | 1,481 |
| Cost of funding earning assets | 0.1833% | 3,883 |
| Net interest margin | 3.9153% | 923 |
| Noninterest income to average assets | 0.9600% | 695 |
| Noninterest expense to average assets | 3.6363% | 437 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7304% | 3,532 |
| Return on assets (ROA) | 0.7304% | 3,477 |
| Pretax return on assets | 0.9819% | 3,126 |
| Return on Equity (ROE) | 8.1200% | 3,357 |
| Retained earnings to average equity (ytd only) | 6.8329% | 2,310 |
| Net charge-offs to loans | 0.0122% | 1,931 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 140.1111% | 826 |
| Efficiency ratio | 78.7388% | 805 |
| Assets per employee ($millions) | 3.6869% | 4,390 |
| Cash dividends to net income (ytd only)* | 15.8849% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6219% | 936 |
| Loan loss allowance to noncurrent loans | 1,012.9032% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.0989% | 2,848 |
| Noncurrent loans to loans | 0.1601% | 2,693 |
| Net loans and leases to total assets | 60.7800% | 2,575 |
| Net loans and leases to deposits | 66.7560% | 2,839 |
| Net loans and leases to core deposits | 71.4456% | 2,762 |
| Total domestic deposits to total assets | 91.0400% | 942 |
| Equity capital to assets | 8.5094% | 2,697 |
| Core capital (leverage) ratio | 10.9330% | 1,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8526% | 558 |
| Memoranda: | ||
| Average total assets | $128,426,000 | 3,649 |
| Average earning assets | $120,015,800 | 3,623 |
| Average equity | $11,547,000 | 3,709 |
| Average total loans | $73,800,400 | 3,506 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9758% | 1,317 |
| Cost of funding earning assets | 0.1657% | 3,672 |
| Net interest margin | 3.8101% | 938 |
| Noninterest income to average assets | 0.9500% | 743 |
| Noninterest expense to average assets | 3.5986% | 450 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6822% | 3,612 |
| Return on assets (ROA) | 0.6822% | 3,575 |
| Pretax return on assets | 0.9154% | 3,271 |
| Return on Equity (ROE) | 7.4900% | 3,467 |
| Retained earnings to average equity (ytd only) | 7.4897% | 2,194 |
| Net charge-offs to loans | 0.0091% | 1,785 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 177.4000% | 669 |
| Efficiency ratio | 79.7211% | 789 |
| Assets per employee ($millions) | 3.5583% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6110% | 1,041 |
| Loan loss allowance to noncurrent loans | 863.0137% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 2,829 |
| Noncurrent loans to loans | 0.1867% | 2,655 |
| Net loans and leases to total assets | 60.0700% | 2,499 |
| Net loans and leases to deposits | 65.6676% | 2,749 |
| Net loans and leases to core deposits | 70.0297% | 2,642 |
| Total domestic deposits to total assets | 91.4800% | 1,054 |
| Equity capital to assets | 8.0571% | 2,860 |
| Core capital (leverage) ratio | 10.4335% | 2,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8955% | 653 |
| Memoranda: | ||
| Average total assets | $129,193,500 | 3,664 |
| Average earning assets | $120,728,500 | 3,637 |
| Average equity | $11,767,000 | 3,738 |
| Average total loans | $72,890,000 | 3,535 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8331% | 1,240 |
| Cost of funding earning assets | 0.1585% | 3,475 |
| Net interest margin | 3.6746% | 955 |
| Noninterest income to average assets | 0.9401% | 770 |
| Noninterest expense to average assets | 3.5166% | 439 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6406% | 3,508 |
| Return on assets (ROA) | 0.6406% | 3,458 |
| Pretax return on assets | 0.8598% | 3,172 |
| Return on Equity (ROE) | 6.7761% | 3,371 |
| Retained earnings to average equity (ytd only) | 6.7761% | 2,062 |
| Net charge-offs to loans | 0.0197% | 1,341 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 79.5714% | 937 |
| Efficiency ratio | 80.3527% | 920 |
| Assets per employee ($millions) | 3.6514% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6555% | 1,042 |
| Loan loss allowance to noncurrent loans | 731.3953% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 2,699 |
| Noncurrent loans to loans | 0.2263% | 2,588 |
| Net loans and leases to total assets | 56.8519% | 2,661 |
| Net loans and leases to deposits | 62.3700% | 2,861 |
| Net loans and leases to core deposits | 66.6408% | 2,768 |
| Total domestic deposits to total assets | 91.1527% | 1,163 |
| Equity capital to assets | 8.4297% | 2,815 |
| Core capital (leverage) ratio | 10.4558% | 1,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9119% | 634 |
| Memoranda: | ||
| Average total assets | $129,558,667 | 3,702 |
| Average earning assets | $121,156,000 | 3,682 |
| Average equity | $12,249,000 | 3,765 |
| Average total loans | $71,116,667 | 3,603 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6603% | 1,367 |
| Cost of funding earning assets | 0.1596% | 3,378 |
| Net interest margin | 3.5007% | 1,091 |
| Noninterest income to average assets | 0.9175% | 815 |
| Noninterest expense to average assets | 3.6109% | 386 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4354% | 3,885 |
| Return on assets (ROA) | 0.4354% | 3,847 |
| Pretax return on assets | 0.5816% | 3,686 |
| Return on Equity (ROE) | 4.3637% | 3,791 |
| Retained earnings to average equity (ytd only) | 4.3637% | 2,814 |
| Net charge-offs to loans | 0.0524% | 766 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 20.7778% | 1,267 |
| Efficiency ratio | 86.1276% | 731 |
| Assets per employee ($millions) | 3.5420% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8106% | 865 |
| Loan loss allowance to noncurrent loans | 445.3901% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 2,234 |
| Noncurrent loans to loans | 0.4065% | 2,039 |
| Net loans and leases to total assets | 53.4174% | 2,828 |
| Net loans and leases to deposits | 59.2973% | 2,970 |
| Net loans and leases to core deposits | 63.2844% | 2,861 |
| Total domestic deposits to total assets | 90.0840% | 1,511 |
| Equity capital to assets | 9.4651% | 2,314 |
| Core capital (leverage) ratio | 10.3989% | 1,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9277% | 568 |
| Memoranda: | ||
| Average total assets | $128,612,000 | 3,730 |
| Average earning assets | $120,318,000 | 3,711 |
| Average equity | $12,833,000 | 3,779 |
| Average total loans | $68,679,500 | 3,642 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9897% | 1,380 |
| Cost of funding earning assets | 0.1962% | 3,509 |
| Net interest margin | 3.7936% | 1,022 |
| Noninterest income to average assets | 0.9570% | 1,083 |
| Noninterest expense to average assets | 3.4994% | 472 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7664% | 3,435 |
| Return on assets (ROA) | 0.8007% | 3,401 |
| Pretax return on assets | 1.0529% | 3,122 |
| Return on Equity (ROE) | 7.3599% | 3,418 |
| Retained earnings to average equity (ytd only) | 6.2567% | 2,246 |
| Net charge-offs to loans | -0.0860% | 4,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6130% | 982 |
| Assets per employee ($millions) | 3.5058% | 4,584 |
| Cash dividends to net income (ytd only)* | 14.9899% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8606% | 785 |
| Loan loss allowance to noncurrent loans | 516.3265% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 2,566 |
| Noncurrent loans to loans | 0.3603% | 2,294 |
| Net loans and leases to total assets | 51.4405% | 3,123 |
| Net loans and leases to deposits | 57.7311% | 3,279 |
| Net loans and leases to core deposits | 61.8615% | 3,177 |
| Total domestic deposits to total assets | 89.1036% | 1,454 |
| Equity capital to assets | 10.4824% | 2,197 |
| Core capital (leverage) ratio | 10.3785% | 2,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5538% | 521 |
| Memoranda: | ||
| Average total assets | $124,135,800 | 3,757 |
| Average earning assets | $116,223,400 | 3,735 |
| Average equity | $13,505,600 | 3,790 |
| Average total loans | $69,738,200 | 3,652 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1118% | 1,281 |
| Cost of funding earning assets | 0.2045% | 3,562 |
| Net interest margin | 3.9073% | 926 |
| Noninterest income to average assets | 0.9624% | 1,132 |
| Noninterest expense to average assets | 3.5716% | 419 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7760% | 3,583 |
| Return on assets (ROA) | 0.8223% | 3,536 |
| Pretax return on assets | 1.1026% | 3,189 |
| Return on Equity (ROE) | 7.4859% | 3,538 |
| Retained earnings to average equity (ytd only) | 7.4859% | 2,233 |
| Net charge-offs to loans | -0.1121% | 4,650 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3829% | 924 |
| Assets per employee ($millions) | 3.5471% | 4,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8024% | 922 |
| Loan loss allowance to noncurrent loans | 491.8288% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 2,784 |
| Noncurrent loans to loans | 0.3665% | 2,468 |
| Net loans and leases to total assets | 53.9292% | 2,978 |
| Net loans and leases to deposits | 60.7204% | 3,167 |
| Net loans and leases to core deposits | 65.1597% | 3,026 |
| Total domestic deposits to total assets | 88.8157% | 1,388 |
| Equity capital to assets | 10.8139% | 2,155 |
| Core capital (leverage) ratio | 10.6333% | 1,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6466% | 557 |
| Memoranda: | ||
| Average total assets | $122,741,500 | 3,816 |
| Average earning assets | $114,755,500 | 3,789 |
| Average equity | $13,482,750 | 3,843 |
| Average total loans | $70,175,250 | 3,697 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0068% | 1,550 |
| Cost of funding earning assets | 0.2213% | 3,551 |
| Net interest margin | 3.7855% | 1,162 |
| Noninterest income to average assets | 0.8490% | 1,392 |
| Noninterest expense to average assets | 3.5247% | 451 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6408% | 3,893 |
| Return on assets (ROA) | 0.6408% | 3,954 |
| Pretax return on assets | 0.8556% | 3,758 |
| Return on Equity (ROE) | 5.8023% | 3,957 |
| Retained earnings to average equity (ytd only) | 5.8023% | 2,887 |
| Net charge-offs to loans | -0.1653% | 4,758 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4676% | 757 |
| Assets per employee ($millions) | 3.2395% | 4,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7718% | 932 |
| Loan loss allowance to noncurrent loans | 485.7692% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.2112% | 2,885 |
| Noncurrent loans to loans | 0.3647% | 2,600 |
| Net loans and leases to total assets | 56.8809% | 2,796 |
| Net loans and leases to deposits | 64.2059% | 2,976 |
| Net loans and leases to core deposits | 68.3559% | 2,927 |
| Total domestic deposits to total assets | 88.5915% | 1,516 |
| Equity capital to assets | 10.9455% | 2,024 |
| Core capital (leverage) ratio | 10.4555% | 1,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4837% | 574 |
| Memoranda: | ||
| Average total assets | $121,089,667 | 3,839 |
| Average earning assets | $112,958,000 | 3,825 |
| Average equity | $13,374,000 | 3,859 |
| Average total loans | $70,190,333 | 3,715 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0500% | 1,510 |
| Cost of funding earning assets | 0.2502% | 3,471 |
| Net interest margin | 3.7997% | 1,139 |
| Noninterest income to average assets | 0.7861% | 1,618 |
| Noninterest expense to average assets | 3.4776% | 483 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6362% | 3,847 |
| Return on assets (ROA) | 0.6362% | 3,914 |
| Pretax return on assets | 0.8494% | 3,725 |
| Return on Equity (ROE) | 5.7340% | 3,940 |
| Retained earnings to average equity (ytd only) | 5.7340% | 2,992 |
| Net charge-offs to loans | -0.3159% | 4,853 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3695% | 800 |
| Assets per employee ($millions) | 3.4610% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7690% | 919 |
| Loan loss allowance to noncurrent loans | 318.9873% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.3170% | 2,558 |
| Noncurrent loans to loans | 0.5546% | 2,196 |
| Net loans and leases to total assets | 56.1554% | 3,014 |
| Net loans and leases to deposits | 63.0877% | 3,212 |
| Net loans and leases to core deposits | 67.0898% | 3,152 |
| Total domestic deposits to total assets | 89.0118% | 1,337 |
| Equity capital to assets | 10.5717% | 2,193 |
| Core capital (leverage) ratio | 10.7864% | 1,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5373% | 549 |
| Memoranda: | ||
| Average total assets | $120,084,000 | 3,860 |
| Average earning assets | $111,902,500 | 3,845 |
| Average equity | $13,324,000 | 3,867 |
| Average total loans | $69,643,500 | 3,747 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6260% | 1,053 |
| Cost of funding earning assets | 0.4460% | 3,305 |
| Net interest margin | 4.1800% | 668 |
| Noninterest income to average assets | 0.9152% | 1,230 |
| Noninterest expense to average assets | 3.9820% | 388 |
| Loan and lease loss provision to assets | -0.1624% | 4,973 |
| Net operating income to assets | 0.7259% | 3,344 |
| Return on assets (ROA) | 0.7259% | 3,474 |
| Pretax return on assets | 0.9579% | 3,188 |
| Return on Equity (ROE) | 5.9804% | 3,596 |
| Retained earnings to average equity (ytd only) | 4.8409% | 2,349 |
| Net charge-offs to loans | -0.0469% | 4,653 |
| Credit loss provision to net charge-offs | 530.3030% | 1,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3495% | 677 |
| Assets per employee ($millions) | 2.9634% | 4,817 |
| Cash dividends to net income (ytd only)* | 19.0537% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7705% | 906 |
| Loan loss allowance to noncurrent loans | 217.9024% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4871% | 2,101 |
| Noncurrent loans to loans | 0.8125% | 1,723 |
| Net loans and leases to total assets | 57.8467% | 3,102 |
| Net loans and leases to deposits | 65.8303% | 3,286 |
| Net loans and leases to core deposits | 70.0952% | 3,245 |
| Total domestic deposits to total assets | 87.8724% | 1,547 |
| Equity capital to assets | 11.6604% | 1,758 |
| Core capital (leverage) ratio | 11.1320% | 1,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5923% | 407 |
| Memoranda: | ||
| Average total assets | $107,735,200 | 3,902 |
| Average earning assets | $99,545,400 | 3,902 |
| Average equity | $13,076,000 | 3,858 |
| Average total loans | $70,289,000 | 3,726 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7365% | 991 |
| Cost of funding earning assets | 0.4880% | 3,305 |
| Net interest margin | 4.2485% | 659 |
| Noninterest income to average assets | 0.9076% | 1,201 |
| Noninterest expense to average assets | 4.1319% | 335 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5344% | 3,949 |
| Return on assets (ROA) | 0.5344% | 4,041 |
| Pretax return on assets | 0.6933% | 3,917 |
| Return on Equity (ROE) | 4.3567% | 4,079 |
| Retained earnings to average equity (ytd only) | 4.3567% | 2,871 |
| Net charge-offs to loans | -0.1750% | 4,909 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6322% | 523 |
| Assets per employee ($millions) | 2.7385% | 4,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9431% | 548 |
| Loan loss allowance to noncurrent loans | 394.5205% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.3393% | 2,780 |
| Noncurrent loans to loans | 0.4925% | 2,587 |
| Net loans and leases to total assets | 64.7200% | 2,676 |
| Net loans and leases to deposits | 73.8456% | 2,973 |
| Net loans and leases to core deposits | 78.7932% | 2,936 |
| Total domestic deposits to total assets | 87.6424% | 1,379 |
| Equity capital to assets | 11.7974% | 1,807 |
| Core capital (leverage) ratio | 10.8551% | 1,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1339% | 575 |
| Memoranda: | ||
| Average total assets | $105,776,250 | 3,918 |
| Average earning assets | $97,538,250 | 3,920 |
| Average equity | $12,976,000 | 3,871 |
| Average total loans | $70,846,500 | 3,734 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8142% | 1,135 |
| Cost of funding earning assets | 0.5268% | 3,371 |
| Net interest margin | 4.2875% | 771 |
| Noninterest income to average assets | 0.9246% | 1,113 |
| Noninterest expense to average assets | 4.2776% | 311 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4614% | 4,109 |
| Return on assets (ROA) | 0.4614% | 4,173 |
| Pretax return on assets | 0.5907% | 4,081 |
| Return on Equity (ROE) | 3.7095% | 4,192 |
| Retained earnings to average equity (ytd only) | 3.7095% | 3,060 |
| Net charge-offs to loans | -0.0717% | 4,773 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8668% | 454 |
| Assets per employee ($millions) | 3.0062% | 4,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8957% | 535 |
| Loan loss allowance to noncurrent loans | 377.9614% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.3353% | 2,964 |
| Noncurrent loans to loans | 0.5016% | 2,645 |
| Net loans and leases to total assets | 63.8341% | 2,903 |
| Net loans and leases to deposits | 72.7934% | 3,181 |
| Net loans and leases to core deposits | 76.7772% | 3,225 |
| Total domestic deposits to total assets | 87.6921% | 1,334 |
| Equity capital to assets | 11.7460% | 1,806 |
| Core capital (leverage) ratio | 11.2219% | 1,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7155% | 524 |
| Memoranda: | ||
| Average total assets | $103,608,667 | 3,945 |
| Average earning assets | $95,301,000 | 3,948 |
| Average equity | $12,886,000 | 3,883 |
| Average total loans | $69,759,667 | 3,758 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0359% | 898 |
| Cost of funding earning assets | 0.5799% | 3,533 |
| Net interest margin | 4.4560% | 557 |
| Noninterest income to average assets | 0.9940% | 872 |
| Noninterest expense to average assets | 4.4931% | 304 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4649% | 3,984 |
| Return on assets (ROA) | 0.4649% | 4,042 |
| Pretax return on assets | 0.5972% | 3,925 |
| Return on Equity (ROE) | 3.6260% | 4,059 |
| Retained earnings to average equity (ytd only) | 3.6260% | 2,833 |
| Net charge-offs to loans | -0.1052% | 4,827 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2677% | 574 |
| Assets per employee ($millions) | 2.5239% | 4,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9288% | 577 |
| Loan loss allowance to noncurrent loans | 561.7284% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.2506% | 3,447 |
| Noncurrent loans to loans | 0.3434% | 3,262 |
| Net loans and leases to total assets | 68.7468% | 2,425 |
| Net loans and leases to deposits | 79.2545% | 2,752 |
| Net loans and leases to core deposits | 84.0934% | 2,844 |
| Total domestic deposits to total assets | 86.7417% | 1,673 |
| Equity capital to assets | 12.7947% | 1,548 |
| Core capital (leverage) ratio | 12.0002% | 1,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1883% | 625 |
| Memoranda: | ||
| Average total assets | $99,798,500 | 3,996 |
| Average earning assets | $91,742,000 | 4,002 |
| Average equity | $12,796,500 | 3,901 |
| Average total loans | $68,452,500 | 3,793 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9634% | 1,576 |
| Cost of funding earning assets | 0.5178% | 4,007 |
| Net interest margin | 4.4456% | 810 |
| Noninterest income to average assets | 1.1506% | 708 |
| Noninterest expense to average assets | 4.1759% | 434 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7768% | 3,622 |
| Return on assets (ROA) | 0.8625% | 3,441 |
| Pretax return on assets | 1.1269% | 3,089 |
| Return on Equity (ROE) | 6.7827% | 3,630 |
| Retained earnings to average equity (ytd only) | 5.5723% | 2,119 |
| Net charge-offs to loans | 0.0156% | 3,158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 98.6000% | 688 |
| Efficiency ratio | 80.3937% | 913 |
| Assets per employee ($millions) | 2.4059% | 5,033 |
| Cash dividends to net income (ytd only)* | 17.8443% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0367% | 436 |
| Loan loss allowance to noncurrent loans | 585.6522% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 3,468 |
| Noncurrent loans to loans | 0.3478% | 3,202 |
| Net loans and leases to total assets | 65.6816% | 2,989 |
| Net loans and leases to deposits | 75.9053% | 3,193 |
| Net loans and leases to core deposits | 80.9276% | 3,221 |
| Total domestic deposits to total assets | 86.5310% | 1,832 |
| Equity capital to assets | 12.8506% | 1,612 |
| Core capital (leverage) ratio | 12.1238% | 1,697 |
| Tier 1 risk-based capital ratio | 22.3306% | 983 |
| Total risk-based capital ratio | 23.5958% | 958 |
| Memoranda: | ||
| Average total assets | $96,816,800 | 4,049 |
| Average earning assets | $88,064,400 | 4,064 |
| Average equity | $12,310,800 | 3,957 |
| Average total loans | $63,938,600 | 3,912 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9572% | 1,658 |
| Cost of funding earning assets | 0.4944% | 4,161 |
| Net interest margin | 4.4629% | 835 |
| Noninterest income to average assets | 0.9796% | 975 |
| Noninterest expense to average assets | 4.0928% | 475 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7210% | 3,943 |
| Return on assets (ROA) | 0.8357% | 3,642 |
| Pretax return on assets | 1.0792% | 3,354 |
| Return on Equity (ROE) | 6.5904% | 3,845 |
| Retained earnings to average equity (ytd only) | 6.5904% | 2,063 |
| Net charge-offs to loans | -0.0421% | 4,795 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4203% | 800 |
| Assets per employee ($millions) | 2.4050% | 5,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0982% | 393 |
| Loan loss allowance to noncurrent loans | 448.5342% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.3986% | 2,915 |
| Noncurrent loans to loans | 0.4678% | 2,897 |
| Net loans and leases to total assets | 65.1603% | 3,163 |
| Net loans and leases to deposits | 75.1828% | 3,371 |
| Net loans and leases to core deposits | 79.0677% | 3,464 |
| Total domestic deposits to total assets | 86.6692% | 1,700 |
| Equity capital to assets | 12.7741% | 1,743 |
| Core capital (leverage) ratio | 12.0574% | 1,813 |
| Tier 1 risk-based capital ratio | 21.7116% | 1,112 |
| Total risk-based capital ratio | 22.9781% | 1,081 |
| Memoranda: | ||
| Average total assets | $96,360,750 | 4,102 |
| Average earning assets | $87,385,000 | 4,125 |
| Average equity | $12,219,500 | 4,005 |
| Average total loans | $63,389,250 | 3,961 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9366% | 1,649 |
| Cost of funding earning assets | 0.4648% | 4,261 |
| Net interest margin | 4.4719% | 819 |
| Noninterest income to average assets | 0.8911% | 1,090 |
| Noninterest expense to average assets | 4.1626% | 435 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5984% | 4,308 |
| Return on assets (ROA) | 0.7719% | 3,812 |
| Pretax return on assets | 0.9936% | 3,571 |
| Return on Equity (ROE) | 6.1022% | 4,018 |
| Retained earnings to average equity (ytd only) | 6.1022% | 2,237 |
| Net charge-offs to loans | 0.0096% | 2,792 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 123.3333% | 595 |
| Efficiency ratio | 84.3220% | 636 |
| Assets per employee ($millions) | 2.3604% | 5,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0998% | 396 |
| Loan loss allowance to noncurrent loans | 347.1795% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.5900% | 2,249 |
| Noncurrent loans to loans | 0.6048% | 2,448 |
| Net loans and leases to total assets | 65.2310% | 3,205 |
| Net loans and leases to deposits | 75.2716% | 3,396 |
| Net loans and leases to core deposits | 79.2388% | 3,486 |
| Total domestic deposits to total assets | 86.6609% | 1,739 |
| Equity capital to assets | 12.7718% | 1,705 |
| Core capital (leverage) ratio | 12.0070% | 1,824 |
| Tier 1 risk-based capital ratio | 21.5948% | 1,108 |
| Total risk-based capital ratio | 22.8594% | 1,082 |
| Memoranda: | ||
| Average total assets | $95,612,330 | 4,134 |
| Average earning assets | $86,496,000 | 4,166 |
| Average equity | $12,094,000 | 4,033 |
| Average total loans | $62,642,670 | 3,999 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8986% | 1,594 |
| Cost of funding earning assets | 0.4245% | 4,379 |
| Net interest margin | 4.4740% | 778 |
| Noninterest income to average assets | 1.0144% | 776 |
| Noninterest expense to average assets | 4.1418% | 441 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6905% | 3,970 |
| Return on assets (ROA) | 1.0397% | 2,736 |
| Pretax return on assets | 1.3511% | 2,259 |
| Return on Equity (ROE) | 8.2602% | 3,137 |
| Retained earnings to average equity (ytd only) | 8.2602% | 1,572 |
| Net charge-offs to loans | 0.0454% | 1,627 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 30.8571% | 1,316 |
| Efficiency ratio | 82.0000% | 874 |
| Assets per employee ($millions) | 2.4587% | 5,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1403% | 391 |
| Loan loss allowance to noncurrent loans | 183.9237% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 1.1148% | 1,235 |
| Noncurrent loans to loans | 1.1637% | 1,431 |
| Net loans and leases to total assets | 64.3710% | 3,240 |
| Net loans and leases to deposits | 74.1525% | 3,437 |
| Net loans and leases to core deposits | 78.0680% | 3,515 |
| Total domestic deposits to total assets | 86.8090% | 1,908 |
| Equity capital to assets | 12.6852% | 1,634 |
| Core capital (leverage) ratio | 11.9707% | 1,793 |
| Tier 1 risk-based capital ratio | 21.5392% | 1,104 |
| Total risk-based capital ratio | 22.8049% | 1,083 |
| Memoranda: | ||
| Average total assets | $95,030,500 | 4,184 |
| Average earning assets | $85,739,500 | 4,225 |
| Average equity | $11,961,000 | 4,059 |
| Average total loans | $61,723,000 | 4,057 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2705% | 613 |
| Cost of funding earning assets | 0.3582% | 4,227 |
| Net interest margin | 4.9124% | 317 |
| Noninterest income to average assets | 0.9266% | 1,115 |
| Noninterest expense to average assets | 4.4305% | 315 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.9953% | 81 |
| Return on assets (ROA) | 3.2704% | 66 |
| Pretax return on assets | 1.2465% | 2,707 |
| Return on Equity (ROE) | 30.9648% | 32 |
| Retained earnings to average equity (ytd only) | 29.8037% | 11 |
| Net charge-offs to loans | 0.1288% | 1,464 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 11.9868% | 2,584 |
| Efficiency ratio | 82.0174% | 805 |
| Assets per employee ($millions) | 2.4146% | 5,235 |
| Cash dividends to net income (ytd only)* | 3.7496% | 3,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2478% | 302 |
| Loan loss allowance to noncurrent loans | 185.8904% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 1.0948% | 1,229 |
| Noncurrent loans to loans | 1.2092% | 1,323 |
| Net loans and leases to total assets | 62.6665% | 3,500 |
| Net loans and leases to deposits | 72.1095% | 3,663 |
| Net loans and leases to core deposits | 75.9831% | 3,723 |
| Total domestic deposits to total assets | 86.9045% | 1,822 |
| Equity capital to assets | 12.4859% | 1,584 |
| Core capital (leverage) ratio | 11.9737% | 1,750 |
| Tier 1 risk-based capital ratio | 20.4492% | 1,235 |
| Total risk-based capital ratio | 21.7134% | 1,210 |
| Memoranda: | ||
| Average total assets | $93,780,800 | 4,202 |
| Average earning assets | $85,437,600 | 4,230 |
| Average equity | $9,904,800 | 4,315 |
| Average total loans | $58,997,600 | 4,117 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3864% | 447 |
| Cost of funding earning assets | 0.3458% | 4,209 |
| Net interest margin | 5.0406% | 246 |
| Noninterest income to average assets | 0.9151% | 1,154 |
| Noninterest expense to average assets | 4.4276% | 314 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0930% | 2,694 |
| Return on assets (ROA) | 1.4275% | 1,394 |
| Pretax return on assets | 1.4275% | 2,129 |
| Return on Equity (ROE) | 14.1641% | 1,075 |
| Retained earnings to average equity (ytd only) | 14.1641% | 235 |
| Net charge-offs to loans | 0.2023% | 840 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 8.6294% | 2,688 |
| Efficiency ratio | 80.2011% | 926 |
| Assets per employee ($millions) | 2.3630% | 5,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2548% | 322 |
| Loan loss allowance to noncurrent loans | 207.4074% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 1.6559% | 751 |
| Noncurrent loans to loans | 1.0871% | 1,564 |
| Net loans and leases to total assets | 63.2208% | 3,521 |
| Net loans and leases to deposits | 71.1635% | 3,836 |
| Net loans and leases to core deposits | 74.9846% | 3,880 |
| Total domestic deposits to total assets | 88.8387% | 901 |
| Equity capital to assets | 10.6003% | 3,047 |
| Core capital (leverage) ratio | 10.6556% | 2,930 |
| Tier 1 risk-based capital ratio | 19.1277% | 1,506 |
| Total risk-based capital ratio | 20.3921% | 1,476 |
| Memoranda: | ||
| Average total assets | $93,683,500 | 4,245 |
| Average earning assets | $85,595,750 | 4,270 |
| Average equity | $9,441,500 | 4,431 |
| Average total loans | $58,654,500 | 4,169 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6134% | 271 |
| Cost of funding earning assets | 0.3321% | 4,187 |
| Net interest margin | 5.2813% | 146 |
| Noninterest income to average assets | 0.8833% | 1,233 |
| Noninterest expense to average assets | 4.4951% | 295 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2167% | 2,121 |
| Return on assets (ROA) | 1.7156% | 703 |
| Pretax return on assets | 1.7156% | 1,179 |
| Return on Equity (ROE) | 17.3161% | 489 |
| Retained earnings to average equity (ytd only) | 17.3161% | 117 |
| Net charge-offs to loans | 0.2914% | 549 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 6.7412% | 2,597 |
| Efficiency ratio | 78.6989% | 1,146 |
| Assets per employee ($millions) | 2.4336% | 5,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2395% | 349 |
| Loan loss allowance to noncurrent loans | 213.6292% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 1.8143% | 639 |
| Noncurrent loans to loans | 1.0483% | 1,674 |
| Net loans and leases to total assets | 61.9985% | 3,604 |
| Net loans and leases to deposits | 69.5030% | 3,903 |
| Net loans and leases to core deposits | 73.1054% | 3,937 |
| Total domestic deposits to total assets | 89.2026% | 853 |
| Equity capital to assets | 10.1315% | 3,506 |
| Core capital (leverage) ratio | 10.3211% | 3,220 |
| Tier 1 risk-based capital ratio | 18.6942% | 1,625 |
| Total risk-based capital ratio | 19.9601% | 1,586 |
| Memoranda: | ||
| Average total assets | $94,192,000 | 4,275 |
| Average earning assets | $86,115,670 | 4,293 |
| Average equity | $9,332,330 | 4,488 |
| Average total loans | $58,337,000 | 4,207 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9446% | 151 |
| Cost of funding earning assets | 0.3170% | 4,218 |
| Net interest margin | 5.6275% | 91 |
| Noninterest income to average assets | 0.9634% | 994 |
| Noninterest expense to average assets | 4.2374% | 386 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8714% | 484 |
| Return on assets (ROA) | 2.0505% | 330 |
| Pretax return on assets | 2.0505% | 520 |
| Return on Equity (ROE) | 20.9347% | 197 |
| Retained earnings to average equity (ytd only) | 20.9347% | 87 |
| Net charge-offs to loans | 0.6062% | 248 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 5.0460% | 2,260 |
| Efficiency ratio | 69.3650% | 2,606 |
| Assets per employee ($millions) | 2.3120% | 5,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3221% | 313 |
| Loan loss allowance to noncurrent loans | 206.4417% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 2.0465% | 547 |
| Noncurrent loans to loans | 1.1248% | 1,630 |
| Net loans and leases to total assets | 59.7274% | 3,776 |
| Net loans and leases to deposits | 66.6887% | 4,043 |
| Net loans and leases to core deposits | 70.0935% | 4,076 |
| Total domestic deposits to total assets | 89.5616% | 853 |
| Equity capital to assets | 9.9057% | 3,694 |
| Core capital (leverage) ratio | 10.1911% | 3,316 |
| Tier 1 risk-based capital ratio | 18.7527% | 1,616 |
| Total risk-based capital ratio | 20.0189% | 1,573 |
| Memoranda: | ||
| Average total assets | $93,832,000 | 4,331 |
| Average earning assets | $85,792,500 | 4,349 |
| Average equity | $9,190,500 | 4,560 |
| Average total loans | $57,409,500 | 4,267 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5948% | 1,449 |
| Cost of funding earning assets | 0.3243% | 3,919 |
| Net interest margin | 4.2705% | 1,034 |
| Noninterest income to average assets | 0.9859% | 1,054 |
| Noninterest expense to average assets | 4.1805% | 424 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6742% | 3,712 |
| Return on assets (ROA) | 0.6742% | 3,763 |
| Pretax return on assets | 0.6742% | 4,572 |
| Return on Equity (ROE) | 7.3829% | 3,079 |
| Retained earnings to average equity (ytd only) | 7.3829% | 960 |
| Net charge-offs to loans | 0.1146% | 1,906 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 9.9688% | 2,726 |
| Efficiency ratio | 86.1123% | 639 |
| Assets per employee ($millions) | 2.3813% | 5,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5204% | 237 |
| Loan loss allowance to noncurrent loans | 119.9163% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 2.8276% | 301 |
| Noncurrent loans to loans | 2.1018% | 711 |
| Net loans and leases to total assets | 59.6770% | 3,859 |
| Net loans and leases to deposits | 66.5258% | 4,145 |
| Net loans and leases to core deposits | 69.3321% | 4,218 |
| Total domestic deposits to total assets | 89.7050% | 677 |
| Equity capital to assets | 9.6813% | 4,054 |
| Core capital (leverage) ratio | 9.8314% | 3,658 |
| Tier 1 risk-based capital ratio | 17.6948% | 1,890 |
| Total risk-based capital ratio | 18.9631% | 1,831 |
| Memoranda: | ||
| Average total assets | $94,630,200 | 4,333 |
| Average earning assets | $85,727,600 | 4,365 |
| Average equity | $8,641,600 | 4,677 |
| Average total loans | $55,868,800 | 4,295 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6089% | 1,344 |
| Cost of funding earning assets | 0.3283% | 3,859 |
| Net interest margin | 4.2805% | 971 |
| Noninterest income to average assets | 0.9817% | 1,065 |
| Noninterest expense to average assets | 4.1779% | 418 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6802% | 4,081 |
| Return on assets (ROA) | 0.6802% | 4,140 |
| Pretax return on assets | 0.6802% | 4,654 |
| Return on Equity (ROE) | 7.5594% | 3,366 |
| Retained earnings to average equity (ytd only) | 7.5594% | 1,407 |
| Net charge-offs to loans | 0.1462% | 1,371 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 7.9509% | 2,826 |
| Efficiency ratio | 85.9988% | 633 |
| Assets per employee ($millions) | 2.2346% | 5,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7309% | 199 |
| Loan loss allowance to noncurrent loans | 144.3216% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 2.6261% | 391 |
| Noncurrent loans to loans | 1.8922% | 920 |
| Net loans and leases to total assets | 55.8251% | 4,245 |
| Net loans and leases to deposits | 62.3045% | 4,493 |
| Net loans and leases to core deposits | 64.9733% | 4,556 |
| Total domestic deposits to total assets | 89.6005% | 619 |
| Equity capital to assets | 9.6977% | 4,247 |
| Core capital (leverage) ratio | 9.5419% | 4,105 |
| Tier 1 risk-based capital ratio | 18.7841% | 1,648 |
| Total risk-based capital ratio | 20.0542% | 1,598 |
| Memoranda: | ||
| Average total assets | $95,070,250 | 4,369 |
| Average earning assets | $86,093,000 | 4,402 |
| Average equity | $8,554,250 | 4,740 |
| Average total loans | $55,622,250 | 4,342 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6186% | 1,220 |
| Cost of funding earning assets | 0.3332% | 3,762 |
| Net interest margin | 4.2855% | 899 |
| Noninterest income to average assets | 0.9395% | 1,154 |
| Noninterest expense to average assets | 4.1696% | 429 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6464% | 4,101 |
| Return on assets (ROA) | 0.6464% | 4,150 |
| Pretax return on assets | 0.6464% | 4,698 |
| Return on Equity (ROE) | 7.3662% | 3,357 |
| Retained earnings to average equity (ytd only) | 7.3662% | 1,417 |
| Net charge-offs to loans | 0.3779% | 545 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.9065% | 3,108 |
| Efficiency ratio | 86.5775% | 648 |
| Assets per employee ($millions) | 2.2260% | 5,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5667% | 263 |
| Loan loss allowance to noncurrent loans | 160.1382% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 2.5297% | 423 |
| Noncurrent loans to loans | 1.6028% | 1,155 |
| Net loans and leases to total assets | 56.4386% | 4,175 |
| Net loans and leases to deposits | 62.7169% | 4,453 |
| Net loans and leases to core deposits | 65.6828% | 4,490 |
| Total domestic deposits to total assets | 89.9894% | 543 |
| Equity capital to assets | 9.3089% | 4,613 |
| Core capital (leverage) ratio | 9.0365% | 4,684 |
| Tier 1 risk-based capital ratio | 17.8909% | 1,889 |
| Total risk-based capital ratio | 19.1597% | 1,833 |
| Memoranda: | ||
| Average total assets | $96,220,330 | 4,372 |
| Average earning assets | $87,038,670 | 4,418 |
| Average equity | $8,444,000 | 4,777 |
| Average total loans | $56,635,330 | 4,342 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4237% | 1,575 |
| Cost of funding earning assets | 0.3351% | 3,702 |
| Net interest margin | 4.0887% | 1,237 |
| Noninterest income to average assets | 0.8772% | 1,314 |
| Noninterest expense to average assets | 4.1236% | 468 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4550% | 4,758 |
| Return on assets (ROA) | 0.4550% | 4,779 |
| Pretax return on assets | 0.4550% | 5,047 |
| Return on Equity (ROE) | 5.3401% | 4,227 |
| Retained earnings to average equity (ytd only) | 5.3401% | 2,710 |
| Net charge-offs to loans | 0.1866% | 912 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 4.1111% | 2,417 |
| Efficiency ratio | 90.0627% | 555 |
| Assets per employee ($millions) | 2.3374% | 5,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6099% | 279 |
| Loan loss allowance to noncurrent loans | 109.2125% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 3.0314% | 332 |
| Noncurrent loans to loans | 2.3898% | 680 |
| Net loans and leases to total assets | 55.8744% | 4,190 |
| Net loans and leases to deposits | 61.5489% | 4,462 |
| Net loans and leases to core deposits | 64.2879% | 4,516 |
| Total domestic deposits to total assets | 90.7805% | 368 |
| Equity capital to assets | 8.5768% | 5,182 |
| Core capital (leverage) ratio | 8.6384% | 5,114 |
| Tier 1 risk-based capital ratio | 16.7815% | 2,252 |
| Total risk-based capital ratio | 18.0510% | 2,217 |
| Memoranda: | ||
| Average total assets | $97,585,000 | 4,394 |
| Average earning assets | $88,341,500 | 4,436 |
| Average equity | $8,314,500 | 4,840 |
| Average total loans | $57,875,500 | 4,350 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5787% | 1,325 |
| Cost of funding earning assets | 0.3850% | 3,152 |
| Net interest margin | 4.1937% | 1,135 |
| Noninterest income to average assets | 0.8997% | 1,416 |
| Noninterest expense to average assets | 3.9596% | 637 |
| Loan and lease loss provision to assets | -0.0713% | 5,632 |
| Net operating income to assets | 0.7958% | 3,323 |
| Return on assets (ROA) | 0.7876% | 3,469 |
| Pretax return on assets | 0.7876% | 4,216 |
| Return on Equity (ROE) | 9.6882% | 2,112 |
| Retained earnings to average equity (ytd only) | 9.6882% | 465 |
| Net charge-offs to loans | 0.3532% | 770 |
| Credit loss provision to net charge-offs | -32.4074% | 4,788 |
| Earnings coverage of net charge-offs (x) | 3.2917% | 3,694 |
| Efficiency ratio | 84.5334% | 963 |
| Assets per employee ($millions) | 2.3658% | 5,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5190% | 311 |
| Loan loss allowance to noncurrent loans | 102.4641% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 3.7300% | 217 |
| Noncurrent loans to loans | 2.4584% | 643 |
| Net loans and leases to total assets | 59.7239% | 3,886 |
| Net loans and leases to deposits | 65.7664% | 4,262 |
| Net loans and leases to core deposits | 68.8835% | 4,332 |
| Total domestic deposits to total assets | 90.8122% | 339 |
| Equity capital to assets | 8.4631% | 5,300 |
| Core capital (leverage) ratio | 8.6575% | 5,117 |
| Tier 1 risk-based capital ratio | 15.4164% | 2,783 |
| Total risk-based capital ratio | 16.6844% | 2,709 |
| Memoranda: | ||
| Average total assets | $98,141,000 | 4,384 |
| Average earning assets | $88,561,600 | 4,422 |
| Average equity | $7,978,800 | 4,938 |
| Average total loans | $61,148,800 | 4,254 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5842% | 1,323 |
| Cost of funding earning assets | 0.3973% | 3,047 |
| Net interest margin | 4.1870% | 1,153 |
| Noninterest income to average assets | 0.8967% | 1,418 |
| Noninterest expense to average assets | 3.9108% | 666 |
| Loan and lease loss provision to assets | 0.0406% | 3,426 |
| Net operating income to assets | 0.7288% | 3,703 |
| Return on assets (ROA) | 0.7179% | 3,896 |
| Pretax return on assets | 0.7179% | 4,562 |
| Return on Equity (ROE) | 8.9209% | 2,542 |
| Retained earnings to average equity (ytd only) | 8.9209% | 840 |
| Net charge-offs to loans | 0.5608% | 375 |
| Credit loss provision to net charge-offs | 11.5830% | 3,358 |
| Earnings coverage of net charge-offs (x) | 2.1931% | 3,607 |
| Efficiency ratio | 83.5601% | 1,023 |
| Assets per employee ($millions) | 2.4084% | 5,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6028% | 291 |
| Loan loss allowance to noncurrent loans | 104.0857% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 3.8802% | 221 |
| Noncurrent loans to loans | 2.5006% | 702 |
| Net loans and leases to total assets | 60.3633% | 3,833 |
| Net loans and leases to deposits | 66.5237% | 4,301 |
| Net loans and leases to core deposits | 69.7246% | 4,345 |
| Total domestic deposits to total assets | 90.7396% | 262 |
| Equity capital to assets | 8.4601% | 5,552 |
| Core capital (leverage) ratio | 8.3056% | 5,497 |
| Tier 1 risk-based capital ratio | 14.8973% | 3,098 |
| Total risk-based capital ratio | 16.1665% | 3,019 |
| Memoranda: | ||
| Average total assets | $98,426,750 | 4,407 |
| Average earning assets | $88,940,000 | 4,450 |
| Average equity | $7,921,250 | 4,999 |
| Average total loans | $61,579,000 | 4,273 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5125% | 1,478 |
| Cost of funding earning assets | 0.4086% | 2,950 |
| Net interest margin | 4.1039% | 1,356 |
| Noninterest income to average assets | 0.8535% | 1,532 |
| Noninterest expense to average assets | 3.7690% | 804 |
| Loan and lease loss provision to assets | 0.0303% | 3,521 |
| Net operating income to assets | 0.7627% | 3,493 |
| Return on assets (ROA) | 0.7465% | 3,720 |
| Pretax return on assets | 0.7465% | 4,468 |
| Return on Equity (ROE) | 9.4328% | 2,304 |
| Retained earnings to average equity (ytd only) | 9.4328% | 736 |
| Net charge-offs to loans | 0.6302% | 331 |
| Credit loss provision to net charge-offs | 7.6531% | 3,011 |
| Earnings coverage of net charge-offs (x) | 2.0051% | 3,343 |
| Efficiency ratio | 82.6183% | 1,197 |
| Assets per employee ($millions) | 2.4500% | 5,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6156% | 316 |
| Loan loss allowance to noncurrent loans | 116.9343% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 3.8001% | 259 |
| Noncurrent loans to loans | 2.2368% | 830 |
| Net loans and leases to total assets | 60.8655% | 3,770 |
| Net loans and leases to deposits | 66.9123% | 4,274 |
| Net loans and leases to core deposits | 70.7884% | 4,268 |
| Total domestic deposits to total assets | 90.9631% | 196 |
| Equity capital to assets | 8.2002% | 5,734 |
| Core capital (leverage) ratio | 8.0713% | 5,688 |
| Tier 1 risk-based capital ratio | 14.3319% | 3,417 |
| Total risk-based capital ratio | 15.6007% | 3,331 |
| Memoranda: | ||
| Average total assets | $99,124,000 | 4,435 |
| Average earning assets | $89,573,330 | 4,472 |
| Average equity | $7,845,000 | 5,054 |
| Average total loans | $62,203,670 | 4,280 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5127% | 1,473 |
| Cost of funding earning assets | 0.4163% | 2,888 |
| Net interest margin | 4.0964% | 1,356 |
| Noninterest income to average assets | 0.9751% | 1,137 |
| Noninterest expense to average assets | 4.1209% | 537 |
| Loan and lease loss provision to assets | 0.0602% | 2,746 |
| Net operating income to assets | 0.5056% | 4,609 |
| Return on assets (ROA) | 0.4735% | 4,826 |
| Pretax return on assets | 0.4735% | 5,157 |
| Return on Equity (ROE) | 6.0907% | 3,943 |
| Retained earnings to average equity (ytd only) | 6.0907% | 2,338 |
| Net charge-offs to loans | 0.7275% | 292 |
| Credit loss provision to net charge-offs | 13.1579% | 2,346 |
| Earnings coverage of net charge-offs (x) | 1.2368% | 2,848 |
| Efficiency ratio | 87.9281% | 823 |
| Assets per employee ($millions) | 2.4704% | 5,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7050% | 311 |
| Loan loss allowance to noncurrent loans | 119.8577% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 3.8517% | 271 |
| Noncurrent loans to loans | 2.2569% | 893 |
| Net loans and leases to total assets | 61.2970% | 3,621 |
| Net loans and leases to deposits | 67.4597% | 4,109 |
| Net loans and leases to core deposits | 71.3360% | 4,121 |
| Total domestic deposits to total assets | 90.8647% | 307 |
| Equity capital to assets | 7.9240% | 5,850 |
| Core capital (leverage) ratio | 7.7109% | 5,871 |
| Tier 1 risk-based capital ratio | 13.3596% | 4,062 |
| Total risk-based capital ratio | 14.6292% | 3,976 |
| Memoranda: | ||
| Average total assets | $99,687,000 | 4,472 |
| Average earning assets | $90,322,500 | 4,493 |
| Average equity | $7,749,500 | 5,102 |
| Average total loans | $62,681,000 | 4,296 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6016% | 1,327 |
| Cost of funding earning assets | 0.4518% | 2,606 |
| Net interest margin | 4.1499% | 1,283 |
| Noninterest income to average assets | 0.9779% | 1,242 |
| Noninterest expense to average assets | 4.0503% | 622 |
| Loan and lease loss provision to assets | 0.1686% | 1,360 |
| Net operating income to assets | 0.5395% | 4,541 |
| Return on assets (ROA) | 0.5395% | 4,630 |
| Pretax return on assets | 0.4673% | 5,186 |
| Return on Equity (ROE) | 7.5696% | 3,206 |
| Retained earnings to average equity (ytd only) | 7.5696% | 1,075 |
| Net charge-offs to loans | 0.8856% | 242 |
| Credit loss provision to net charge-offs | 30.2768% | 3,655 |
| Earnings coverage of net charge-offs (x) | 1.1419% | 4,135 |
| Efficiency ratio | 86.4309% | 965 |
| Assets per employee ($millions) | 2.5140% | 5,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8253% | 274 |
| Loan loss allowance to noncurrent loans | 111.7168% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 4.1229% | 250 |
| Noncurrent loans to loans | 2.5290% | 722 |
| Net loans and leases to total assets | 60.9835% | 3,695 |
| Net loans and leases to deposits | 66.9275% | 4,228 |
| Net loans and leases to core deposits | 70.9608% | 4,216 |
| Total domestic deposits to total assets | 91.1187% | 256 |
| Equity capital to assets | 7.6263% | 5,963 |
| Core capital (leverage) ratio | 7.5772% | 5,958 |
| Tier 1 risk-based capital ratio | 12.9168% | 4,378 |
| Total risk-based capital ratio | 14.1879% | 4,261 |
| Memoranda: | ||
| Average total assets | $103,794,800 | 4,387 |
| Average earning assets | $92,750,000 | 4,454 |
| Average equity | $7,398,000 | 5,169 |
| Average total loans | $65,267,000 | 4,225 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6188% | 1,288 |
| Cost of funding earning assets | 0.4612% | 2,567 |
| Net interest margin | 4.1576% | 1,261 |
| Noninterest income to average assets | 1.0018% | 1,177 |
| Noninterest expense to average assets | 3.9246% | 723 |
| Loan and lease loss provision to assets | 0.2231% | 835 |
| Net operating income to assets | 0.5545% | 4,576 |
| Return on assets (ROA) | 0.5545% | 4,670 |
| Pretax return on assets | 0.5545% | 5,085 |
| Return on Equity (ROE) | 7.9123% | 3,122 |
| Retained earnings to average equity (ytd only) | 7.9123% | 1,274 |
| Net charge-offs to loans | 1.1204% | 154 |
| Credit loss provision to net charge-offs | 31.6456% | 3,256 |
| Earnings coverage of net charge-offs (x) | 1.1031% | 3,883 |
| Efficiency ratio | 83.4644% | 1,223 |
| Assets per employee ($millions) | 2.6247% | 5,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8060% | 296 |
| Loan loss allowance to noncurrent loans | 170.0847% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 3.9142% | 306 |
| Noncurrent loans to loans | 1.6498% | 1,493 |
| Net loans and leases to total assets | 62.7889% | 3,486 |
| Net loans and leases to deposits | 68.9733% | 4,094 |
| Net loans and leases to core deposits | 73.1703% | 4,087 |
| Total domestic deposits to total assets | 91.0336% | 234 |
| Equity capital to assets | 7.6279% | 6,053 |
| Core capital (leverage) ratio | 7.2754% | 6,094 |
| Tier 1 risk-based capital ratio | 12.5153% | 4,747 |
| Total risk-based capital ratio | 13.7860% | 4,636 |
| Memoranda: | ||
| Average total assets | $104,603,500 | 4,410 |
| Average earning assets | $93,096,000 | 4,496 |
| Average equity | $7,330,250 | 5,248 |
| Average total loans | $65,806,750 | 4,245 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5874% | 1,311 |
| Cost of funding earning assets | 0.4668% | 2,544 |
| Net interest margin | 4.1206% | 1,302 |
| Noninterest income to average assets | 1.0318% | 1,116 |
| Noninterest expense to average assets | 3.8315% | 835 |
| Loan and lease loss provision to assets | 0.2824% | 573 |
| Net operating income to assets | 0.5743% | 4,451 |
| Return on assets (ROA) | 0.5743% | 4,555 |
| Pretax return on assets | 0.5743% | 5,035 |
| Return on Equity (ROE) | 8.4281% | 2,832 |
| Retained earnings to average equity (ytd only) | 8.4281% | 1,106 |
| Net charge-offs to loans | 0.8481% | 243 |
| Credit loss provision to net charge-offs | 53.3808% | 2,668 |
| Earnings coverage of net charge-offs (x) | 1.6192% | 3,483 |
| Efficiency ratio | 81.7269% | 1,529 |
| Assets per employee ($millions) | 2.6022% | 5,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1705% | 228 |
| Loan loss allowance to noncurrent loans | 160.2964% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 4.0063% | 336 |
| Noncurrent loans to loans | 1.9779% | 1,244 |
| Net loans and leases to total assets | 60.2976% | 3,785 |
| Net loans and leases to deposits | 65.8490% | 4,347 |
| Net loans and leases to core deposits | 69.6543% | 4,352 |
| Total domestic deposits to total assets | 91.5696% | 171 |
| Equity capital to assets | 7.1498% | 6,170 |
| Core capital (leverage) ratio | 6.9005% | 6,203 |
| Tier 1 risk-based capital ratio | 12.0541% | 5,105 |
| Total risk-based capital ratio | 13.3293% | 4,984 |
| Memoranda: | ||
| Average total assets | $106,225,000 | 4,415 |
| Average earning assets | $94,257,670 | 4,517 |
| Average equity | $7,237,670 | 5,309 |
| Average total loans | $66,264,670 | 4,264 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6131% | 1,187 |
| Cost of funding earning assets | 0.4693% | 2,572 |
| Net interest margin | 4.1437% | 1,173 |
| Noninterest income to average assets | 1.0700% | 983 |
| Noninterest expense to average assets | 3.7654% | 913 |
| Loan and lease loss provision to assets | 0.5592% | 177 |
| Net operating income to assets | 0.3989% | 5,070 |
| Return on assets (ROA) | 0.3989% | 5,184 |
| Pretax return on assets | 0.3989% | 5,436 |
| Return on Equity (ROE) | 5.9982% | 4,040 |
| Retained earnings to average equity (ytd only) | 5.9982% | 2,509 |
| Net charge-offs to loans | 0.5135% | 488 |
| Credit loss provision to net charge-offs | 174.4186% | 1,145 |
| Earnings coverage of net charge-offs (x) | 2.9884% | 2,670 |
| Efficiency ratio | 79.7159% | 1,931 |
| Assets per employee ($millions) | 2.6162% | 6,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4057% | 198 |
| Loan loss allowance to noncurrent loans | 142.6760% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 4.3164% | 322 |
| Noncurrent loans to loans | 2.3870% | 1,029 |
| Net loans and leases to total assets | 59.4938% | 3,730 |
| Net loans and leases to deposits | 64.7773% | 4,291 |
| Net loans and leases to core deposits | 68.4016% | 4,297 |
| Total domestic deposits to total assets | 91.8436% | 168 |
| Equity capital to assets | 6.8065% | 6,279 |
| Core capital (leverage) ratio | 6.5897% | 6,285 |
| Tier 1 risk-based capital ratio | 11.0121% | 5,807 |
| Total risk-based capital ratio | 12.2882% | 5,714 |
| Memoranda: | ||
| Average total assets | $107,294,000 | 4,428 |
| Average earning assets | $94,601,000 | 4,536 |
| Average equity | $7,135,500 | 5,377 |
| Average total loans | $66,988,500 | 4,267 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8866% | 945 |
| Cost of funding earning assets | 0.4761% | 2,926 |
| Net interest margin | 4.4105% | 872 |
| Noninterest income to average assets | 0.9872% | 1,243 |
| Noninterest expense to average assets | 4.0950% | 688 |
| Loan and lease loss provision to assets | 0.5614% | 258 |
| Net operating income to assets | 0.2335% | 5,697 |
| Return on assets (ROA) | 0.2335% | 5,760 |
| Pretax return on assets | 0.2335% | 5,816 |
| Return on Equity (ROE) | 3.7976% | 5,200 |
| Retained earnings to average equity (ytd only) | 3.7976% | 3,512 |
| Net charge-offs to loans | 2.2890% | 71 |
| Credit loss provision to net charge-offs | 36.2950% | 3,744 |
| Earnings coverage of net charge-offs (x) | 0.5139% | 4,626 |
| Efficiency ratio | 83.7436% | 1,444 |
| Assets per employee ($millions) | 2.3850% | 6,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2189% | 236 |
| Loan loss allowance to noncurrent loans | 120.1759% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 5.4909% | 235 |
| Noncurrent loans to loans | 2.6785% | 907 |
| Net loans and leases to total assets | 61.2404% | 3,605 |
| Net loans and leases to deposits | 66.3936% | 4,282 |
| Net loans and leases to core deposits | 70.0842% | 4,320 |
| Total domestic deposits to total assets | 92.2384% | 122 |
| Equity capital to assets | 6.4944% | 6,378 |
| Core capital (leverage) ratio | 6.5255% | 6,362 |
| Tier 1 risk-based capital ratio | 10.6518% | 6,039 |
| Total risk-based capital ratio | 11.9277% | 5,971 |
| Memoranda: | ||
| Average total assets | $111,330,400 | 4,360 |
| Average earning assets | $98,513,800 | 4,437 |
| Average equity | $6,846,400 | 5,448 |
| Average total loans | $75,229,400 | 4,016 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9340% | 869 |
| Cost of funding earning assets | 0.4769% | 2,985 |
| Net interest margin | 4.4570% | 808 |
| Noninterest income to average assets | 1.1311% | 943 |
| Noninterest expense to average assets | 4.1281% | 662 |
| Loan and lease loss provision to assets | 0.5638% | 250 |
| Net operating income to assets | 0.3881% | 5,293 |
| Return on assets (ROA) | 0.3881% | 5,374 |
| Pretax return on assets | 0.3881% | 5,606 |
| Return on Equity (ROE) | 6.3970% | 4,029 |
| Retained earnings to average equity (ytd only) | 6.3970% | 2,168 |
| Net charge-offs to loans | 1.7164% | 126 |
| Credit loss provision to net charge-offs | 47.8831% | 3,141 |
| Earnings coverage of net charge-offs (x) | 0.8085% | 4,314 |
| Efficiency ratio | 81.2617% | 1,714 |
| Assets per employee ($millions) | 2.3377% | 6,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8279% | 183 |
| Loan loss allowance to noncurrent loans | 82.5918% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 6.2447% | 212 |
| Noncurrent loans to loans | 4.6348% | 416 |
| Net loans and leases to total assets | 64.6245% | 3,087 |
| Net loans and leases to deposits | 70.2408% | 3,897 |
| Net loans and leases to core deposits | 73.9387% | 3,945 |
| Total domestic deposits to total assets | 92.0042% | 159 |
| Equity capital to assets | 6.5171% | 6,443 |
| Core capital (leverage) ratio | 6.4780% | 6,439 |
| Tier 1 risk-based capital ratio | 10.4018% | 6,236 |
| Total risk-based capital ratio | 11.6888% | 6,177 |
| Memoranda: | ||
| Average total assets | $112,332,250 | 4,372 |
| Average earning assets | $99,525,250 | 4,447 |
| Average equity | $6,815,500 | 5,509 |
| Average total loans | $77,059,000 | 3,993 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9345% | 846 |
| Cost of funding earning assets | 0.4752% | 3,064 |
| Net interest margin | 4.4593% | 767 |
| Noninterest income to average assets | 1.1024% | 975 |
| Noninterest expense to average assets | 4.0726% | 701 |
| Loan and lease loss provision to assets | 0.5705% | 248 |
| Net operating income to assets | 0.4125% | 5,163 |
| Return on assets (ROA) | 0.4125% | 5,246 |
| Pretax return on assets | 0.4125% | 5,521 |
| Return on Equity (ROE) | 6.9616% | 3,639 |
| Retained earnings to average equity (ytd only) | 6.9616% | 1,794 |
| Net charge-offs to loans | 1.6934% | 146 |
| Credit loss provision to net charge-offs | 48.7988% | 2,809 |
| Earnings coverage of net charge-offs (x) | 0.8408% | 3,959 |
| Efficiency ratio | 80.5556% | 1,939 |
| Assets per employee ($millions) | 2.3475% | 6,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8915% | 187 |
| Loan loss allowance to noncurrent loans | 89.9694% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 6.7595% | 199 |
| Noncurrent loans to loans | 4.3253% | 517 |
| Net loans and leases to total assets | 65.8537% | 2,766 |
| Net loans and leases to deposits | 71.2881% | 3,672 |
| Net loans and leases to core deposits | 74.9247% | 3,739 |
| Total domestic deposits to total assets | 92.3768% | 128 |
| Equity capital to assets | 6.2447% | 6,512 |
| Core capital (leverage) ratio | 6.1587% | 6,519 |
| Tier 1 risk-based capital ratio | 9.8158% | 6,447 |
| Total risk-based capital ratio | 11.1028% | 6,407 |
| Memoranda: | ||
| Average total assets | $113,932,330 | 4,365 |
| Average earning assets | $101,003,000 | 4,442 |
| Average equity | $6,751,330 | 5,547 |
| Average total loans | $78,659,330 | 3,950 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9915% | 727 |
| Cost of funding earning assets | 0.4774% | 3,145 |
| Net interest margin | 4.5141% | 639 |
| Noninterest income to average assets | 0.9297% | 1,305 |
| Noninterest expense to average assets | 3.9747% | 783 |
| Loan and lease loss provision to assets | 0.5703% | 237 |
| Net operating income to assets | 0.4044% | 5,094 |
| Return on assets (ROA) | 0.4044% | 5,160 |
| Pretax return on assets | 0.4044% | 5,443 |
| Return on Equity (ROE) | 7.0039% | 3,472 |
| Retained earnings to average equity (ytd only) | 7.0039% | 2,044 |
| Net charge-offs to loans | 1.6062% | 196 |
| Credit loss provision to net charge-offs | 51.2422% | 2,187 |
| Earnings coverage of net charge-offs (x) | 0.8758% | 3,243 |
| Efficiency ratio | 80.3073% | 2,158 |
| Assets per employee ($millions) | 2.4560% | 6,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9963% | 190 |
| Loan loss allowance to noncurrent loans | 96.0369% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 6.4359% | 252 |
| Noncurrent loans to loans | 4.1612% | 626 |
| Net loans and leases to total assets | 65.0570% | 2,721 |
| Net loans and leases to deposits | 70.1806% | 3,580 |
| Net loans and leases to core deposits | 73.5824% | 3,691 |
| Total domestic deposits to total assets | 92.6995% | 146 |
| Equity capital to assets | 5.8762% | 6,577 |
| Core capital (leverage) ratio | 5.8605% | 6,603 |
| Tier 1 risk-based capital ratio | 9.2444% | 6,582 |
| Total risk-based capital ratio | 10.5330% | 6,569 |
| Memoranda: | ||
| Average total assets | $115,731,500 | 4,371 |
| Average earning assets | $103,055,000 | 4,428 |
| Average equity | $6,682,000 | 5,596 |
| Average total loans | $80,188,500 | 3,924 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1441% | 721 |
| Cost of funding earning assets | 0.6468% | 2,228 |
| Net interest margin | 4.4972% | 741 |
| Noninterest income to average assets | 0.1880% | 5,960 |
| Noninterest expense to average assets | 3.6334% | 1,391 |
| Loan and lease loss provision to assets | 0.8404% | 242 |
| Net operating income to assets | -0.2687% | 6,400 |
| Return on assets (ROA) | -0.2687% | 6,420 |
| Pretax return on assets | -0.2687% | 6,397 |
| Return on Equity (ROE) | -5.7627% | 6,503 |
| Retained earnings to average equity (ytd only) | -5.7627% | 6,407 |
| Net charge-offs to loans | 2.7148% | 95 |
| Credit loss provision to net charge-offs | 41.8816% | 3,999 |
| Earnings coverage of net charge-offs (x) | 0.2849% | 4,988 |
| Efficiency ratio | 86.4048% | 1,375 |
| Assets per employee ($millions) | 2.3680% | 6,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9961% | 204 |
| Loan loss allowance to noncurrent loans | 109.7626% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 6.1492% | 305 |
| Noncurrent loans to loans | 3.6407% | 833 |
| Net loans and leases to total assets | 67.9744% | 2,364 |
| Net loans and leases to deposits | 73.2419% | 3,365 |
| Net loans and leases to core deposits | 75.9817% | 3,612 |
| Total domestic deposits to total assets | 92.8080% | 154 |
| Equity capital to assets | 5.6717% | 6,644 |
| Core capital (leverage) ratio | 5.4628% | 6,692 |
| Tier 1 risk-based capital ratio | 8.6706% | 6,673 |
| Total risk-based capital ratio | 9.9599% | 6,672 |
| Memoranda: | ||
| Average total assets | $131,363,400 | 4,045 |
| Average earning assets | $117,338,800 | 4,100 |
| Average equity | $6,125,600 | 5,785 |
| Average total loans | $97,096,400 | 3,530 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1877% | 666 |
| Cost of funding earning assets | 0.6743% | 2,143 |
| Net interest margin | 4.5135% | 720 |
| Noninterest income to average assets | 0.5099% | 3,736 |
| Noninterest expense to average assets | 4.0020% | 857 |
| Loan and lease loss provision to assets | 0.2811% | 1,238 |
| Net operating income to assets | 0.2604% | 5,756 |
| Return on assets (ROA) | 0.2604% | 5,854 |
| Pretax return on assets | 0.2604% | 5,953 |
| Return on Equity (ROE) | 5.8550% | 4,267 |
| Retained earnings to average equity (ytd only) | 5.8550% | 2,511 |
| Net charge-offs to loans | 2.8575% | 82 |
| Credit loss provision to net charge-offs | 13.1883% | 4,182 |
| Earnings coverage of net charge-offs (x) | 0.2540% | 4,781 |
| Efficiency ratio | 88.0834% | 1,168 |
| Assets per employee ($millions) | 2.5539% | 6,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3657% | 384 |
| Loan loss allowance to noncurrent loans | 117.5130% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 6.9929% | 294 |
| Noncurrent loans to loans | 2.8641% | 1,439 |
| Net loans and leases to total assets | 67.4295% | 2,386 |
| Net loans and leases to deposits | 73.0068% | 3,403 |
| Net loans and leases to core deposits | 76.2906% | 3,585 |
| Total domestic deposits to total assets | 92.3606% | 199 |
| Equity capital to assets | 4.7387% | 6,791 |
| Core capital (leverage) ratio | 4.7842% | 6,794 |
| Tier 1 risk-based capital ratio | 7.2956% | 6,792 |
| Total risk-based capital ratio | 8.5730% | 6,790 |
| Memoranda: | ||
| Average total assets | $135,196,250 | 4,009 |
| Average earning assets | $120,821,000 | 4,083 |
| Average equity | $6,011,750 | 5,890 |
| Average total loans | $100,831,750 | 3,459 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2331% | 597 |
| Cost of funding earning assets | 0.7126% | 1,982 |
| Net interest margin | 4.5205% | 684 |
| Noninterest income to average assets | 0.6279% | 3,026 |
| Noninterest expense to average assets | 3.9062% | 975 |
| Loan and lease loss provision to assets | 0.2887% | 1,259 |
| Net operating income to assets | 0.4807% | 4,880 |
| Return on assets (ROA) | 0.4807% | 5,060 |
| Pretax return on assets | 0.4807% | 5,437 |
| Return on Equity (ROE) | 11.0283% | 1,804 |
| Retained earnings to average equity (ytd only) | 11.0283% | 638 |
| Net charge-offs to loans | 3.3987% | 81 |
| Credit loss provision to net charge-offs | 11.1732% | 3,883 |
| Earnings coverage of net charge-offs (x) | 0.2978% | 4,443 |
| Efficiency ratio | 83.5443% | 1,689 |
| Assets per employee ($millions) | 2.5519% | 6,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3901% | 403 |
| Loan loss allowance to noncurrent loans | 98.0541% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 7.7381% | 278 |
| Noncurrent loans to loans | 3.4574% | 1,235 |
| Net loans and leases to total assets | 70.6152% | 1,784 |
| Net loans and leases to deposits | 76.3584% | 2,827 |
| Net loans and leases to core deposits | 80.5576% | 2,972 |
| Total domestic deposits to total assets | 92.4786% | 188 |
| Equity capital to assets | 4.7169% | 6,842 |
| Core capital (leverage) ratio | 4.6191% | 6,846 |
| Tier 1 risk-based capital ratio | 6.8850% | 6,851 |
| Total risk-based capital ratio | 8.1664% | 6,853 |
| Memoranda: | ||
| Average total assets | $138,548,000 | 3,979 |
| Average earning assets | $124,057,670 | 4,032 |
| Average equity | $6,039,000 | 5,923 |
| Average total loans | $105,335,330 | 3,376 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2472% | 554 |
| Cost of funding earning assets | 0.7696% | 1,710 |
| Net interest margin | 4.4776% | 703 |
| Noninterest income to average assets | 0.6921% | 2,634 |
| Noninterest expense to average assets | 3.4775% | 1,666 |
| Loan and lease loss provision to assets | 0.4203% | 721 |
| Net operating income to assets | 0.8210% | 3,044 |
| Return on assets (ROA) | 0.8210% | 3,184 |
| Pretax return on assets | 0.8210% | 4,081 |
| Return on Equity (ROE) | 19.5692% | 322 |
| Retained earnings to average equity (ytd only) | 19.5692% | 152 |
| Net charge-offs to loans | 2.2094% | 203 |
| Credit loss provision to net charge-offs | 24.5902% | 2,969 |
| Earnings coverage of net charge-offs (x) | 0.7262% | 3,585 |
| Efficiency ratio | 73.6936% | 3,319 |
| Assets per employee ($millions) | 2.6802% | 6,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1135% | 259 |
| Loan loss allowance to noncurrent loans | 110.2532% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 7.8446% | 323 |
| Noncurrent loans to loans | 3.7309% | 1,258 |
| Net loans and leases to total assets | 72.8404% | 1,228 |
| Net loans and leases to deposits | 79.0772% | 2,200 |
| Net loans and leases to core deposits | 83.3452% | 2,419 |
| Total domestic deposits to total assets | 92.1130% | 228 |
| Equity capital to assets | 4.4106% | 6,921 |
| Core capital (leverage) ratio | 4.3657% | 6,914 |
| Tier 1 risk-based capital ratio | 6.2261% | 6,922 |
| Total risk-based capital ratio | 7.5162% | 6,925 |
| Memoranda: | ||
| Average total assets | $142,747,500 | 3,930 |
| Average earning assets | $128,373,500 | 3,976 |
| Average equity | $5,989,000 | 5,985 |
| Average total loans | $110,438,000 | 3,277 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5324% | 583 |
| Cost of funding earning assets | 1.0440% | 1,147 |
| Net interest margin | 4.4884% | 966 |
| Noninterest income to average assets | 0.4073% | 4,546 |
| Noninterest expense to average assets | 5.1402% | 350 |
| Loan and lease loss provision to assets | 3.6653% | 21 |
| Net operating income to assets | -4.8606% | 7,054 |
| Return on assets (ROA) | -4.8500% | 7,057 |
| Pretax return on assets | -4.3627% | 7,049 |
| Return on Equity (ROE) | -73.6976% | 7,052 |
| Retained earnings to average equity (ytd only) | -73.6976% | 7,052 |
| Net charge-offs to loans | 1.8640% | 417 |
| Credit loss provision to net charge-offs | 248.6123% | 987 |
| Earnings coverage of net charge-offs (x) | -0.4802% | 5,669 |
| Efficiency ratio | 115.9743% | 248 |
| Assets per employee ($millions) | 2.5636% | 6,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1868% | 253 |
| Loan loss allowance to noncurrent loans | 154.9228% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 6.7038% | 475 |
| Noncurrent loans to loans | 2.7025% | 1,956 |
| Net loans and leases to total assets | 75.4068% | 1,002 |
| Net loans and leases to deposits | 81.4140% | 2,087 |
| Net loans and leases to core deposits | 85.7675% | 2,345 |
| Total domestic deposits to total assets | 92.6214% | 163 |
| Equity capital to assets | 3.9904% | 7,001 |
| Core capital (leverage) ratio | 3.8224% | 7,004 |
| Tier 1 risk-based capital ratio | 5.5246% | 7,006 |
| Total risk-based capital ratio | 6.8155% | 7,006 |
| Memoranda: | ||
| Average total assets | $161,298,200 | 3,602 |
| Average earning assets | $144,638,600 | 3,649 |
| Average equity | $10,615,000 | 4,840 |
| Average total loans | $127,578,000 | 2,925 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5487% | 620 |
| Cost of funding earning assets | 1.0730% | 1,181 |
| Net interest margin | 4.4757% | 1,035 |
| Noninterest income to average assets | 0.3432% | 5,067 |
| Noninterest expense to average assets | 5.7413% | 237 |
| Loan and lease loss provision to assets | 2.8105% | 48 |
| Net operating income to assets | -2.5512% | 7,092 |
| Return on assets (ROA) | -2.5424% | 7,095 |
| Pretax return on assets | -4.1826% | 7,147 |
| Return on Equity (ROE) | -35.5366% | 7,086 |
| Retained earnings to average equity (ytd only) | -35.5366% | 7,078 |
| Net charge-offs to loans | 1.6329% | 511 |
| Credit loss provision to net charge-offs | 217.3641% | 1,279 |
| Earnings coverage of net charge-offs (x) | -1.0718% | 5,579 |
| Efficiency ratio | 131.8190% | 139 |
| Assets per employee ($millions) | 2.9661% | 6,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6123% | 1,070 |
| Loan loss allowance to noncurrent loans | 109.3804% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 5.5384% | 766 |
| Noncurrent loans to loans | 2.3883% | 2,417 |
| Net loans and leases to total assets | 73.5503% | 1,313 |
| Net loans and leases to deposits | 81.5719% | 2,176 |
| Net loans and leases to core deposits | 87.0478% | 2,340 |
| Total domestic deposits to total assets | 90.1662% | 756 |
| Equity capital to assets | 6.3557% | 6,961 |
| Core capital (leverage) ratio | 6.3269% | 6,910 |
| Tier 1 risk-based capital ratio | 8.6503% | 6,969 |
| Total risk-based capital ratio | 9.9182% | 6,969 |
| Memoranda: | ||
| Average total assets | $165,091,250 | 3,566 |
| Average earning assets | $147,994,750 | 3,627 |
| Average equity | $11,811,000 | 4,652 |
| Average total loans | $130,721,500 | 2,902 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5642% | 621 |
| Cost of funding earning assets | 1.0872% | 1,272 |
| Net interest margin | 4.4770% | 1,034 |
| Noninterest income to average assets | 0.2279% | 5,937 |
| Noninterest expense to average assets | 6.8014% | 150 |
| Loan and lease loss provision to assets | 3.6226% | 37 |
| Net operating income to assets | -3.7664% | 7,190 |
| Return on assets (ROA) | -3.7534% | 7,189 |
| Pretax return on assets | -6.1500% | 7,222 |
| Return on Equity (ROE) | -50.6529% | 7,168 |
| Retained earnings to average equity (ytd only) | -50.6529% | 7,163 |
| Net charge-offs to loans | 1.9541% | 436 |
| Credit loss provision to net charge-offs | 230.7105% | 1,243 |
| Earnings coverage of net charge-offs (x) | -1.6226% | 5,361 |
| Efficiency ratio | 159.8985% | 82 |
| Assets per employee ($millions) | 3.0107% | 6,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3292% | 1,535 |
| Loan loss allowance to noncurrent loans | 117.7489% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 5.0856% | 932 |
| Noncurrent loans to loans | 1.9781% | 2,968 |
| Net loans and leases to total assets | 77.1708% | 818 |
| Net loans and leases to deposits | 87.7271% | 1,397 |
| Net loans and leases to core deposits | 93.6780% | 1,636 |
| Total domestic deposits to total assets | 87.9669% | 2,163 |
| Equity capital to assets | 6.2616% | 7,009 |
| Core capital (leverage) ratio | 6.2292% | 6,961 |
| Tier 1 risk-based capital ratio | 8.2568% | 7,029 |
| Total risk-based capital ratio | 9.5211% | 7,030 |
| Memoranda: | ||
| Average total assets | $166,731,000 | 3,555 |
| Average earning assets | $149,922,000 | 3,606 |
| Average equity | $12,354,670 | 4,534 |
| Average total loans | $133,973,000 | 2,851 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5768% | 655 |
| Cost of funding earning assets | 1.1154% | 1,317 |
| Net interest margin | 4.4614% | 1,084 |
| Noninterest income to average assets | 0.6185% | 3,115 |
| Noninterest expense to average assets | 2.9051% | 3,603 |
| Loan and lease loss provision to assets | 0.3791% | 1,665 |
| Net operating income to assets | 0.8861% | 2,988 |
| Return on assets (ROA) | 0.9123% | 3,080 |
| Pretax return on assets | 1.4028% | 2,179 |
| Return on Equity (ROE) | 11.4566% | 1,852 |
| Retained earnings to average equity (ytd only) | 11.4566% | 931 |
| Net charge-offs to loans | 0.4885% | 1,868 |
| Credit loss provision to net charge-offs | 95.8084% | 2,443 |
| Earnings coverage of net charge-offs (x) | 4.4012% | 2,579 |
| Efficiency ratio | 62.5191% | 5,185 |
| Assets per employee ($millions) | 3.1824% | 5,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9367% | 6,451 |
| Loan loss allowance to noncurrent loans | 40.7289% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 5.5061% | 891 |
| Noncurrent loans to loans | 2.2998% | 2,809 |
| Net loans and leases to total assets | 79.8833% | 416 |
| Net loans and leases to deposits | 92.7551% | 747 |
| Net loans and leases to core deposits | 99.9518% | 990 |
| Total domestic deposits to total assets | 86.1229% | 3,460 |
| Equity capital to assets | 8.1125% | 6,442 |
| Core capital (leverage) ratio | 7.4376% | 6,672 |
| Tier 1 risk-based capital ratio | 9.3796% | 6,980 |
| Total risk-based capital ratio | 10.3361% | 7,023 |
| Memoranda: | ||
| Average total assets | $168,808,000 | 3,538 |
| Average earning assets | $152,417,000 | 3,574 |
| Average equity | $13,442,000 | 4,315 |
| Average total loans | $136,732,500 | 2,828 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8272% | 605 |
| Cost of funding earning assets | 1.5929% | 489 |
| Net interest margin | 4.2343% | 1,948 |
| Noninterest income to average assets | 0.7277% | 2,460 |
| Noninterest expense to average assets | 3.1561% | 3,009 |
| Loan and lease loss provision to assets | 3.3628% | 89 |
| Net operating income to assets | -1.1639% | 6,807 |
| Return on assets (ROA) | -1.1082% | 6,814 |
| Pretax return on assets | -1.8458% | 6,990 |
| Return on Equity (ROE) | -12.5627% | 6,816 |
| Retained earnings to average equity (ytd only) | -13.6228% | 6,830 |
| Net charge-offs to loans | 4.3528% | 118 |
| Credit loss provision to net charge-offs | 96.0040% | 3,757 |
| Earnings coverage of net charge-offs (x) | 0.4082% | 5,514 |
| Efficiency ratio | 68.8197% | 4,186 |
| Assets per employee ($millions) | 3.0170% | 6,048 |
| Cash dividends to net income (ytd only)* | -8.4382% | 7,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9319% | 6,456 |
| Loan loss allowance to noncurrent loans | 43.8999% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 5.2785% | 983 |
| Noncurrent loans to loans | 2.1229% | 3,039 |
| Net loans and leases to total assets | 80.6002% | 433 |
| Net loans and leases to deposits | 94.5384% | 776 |
| Net loans and leases to core deposits | 101.3622% | 1,073 |
| Total domestic deposits to total assets | 85.2566% | 3,719 |
| Equity capital to assets | 7.8136% | 6,680 |
| Core capital (leverage) ratio | 7.0052% | 6,865 |
| Tier 1 risk-based capital ratio | 8.8677% | 7,048 |
| Total risk-based capital ratio | 9.8142% | 7,078 |
| Memoranda: | ||
| Average total assets | $172,176,200 | 3,452 |
| Average earning assets | $156,885,800 | 3,454 |
| Average equity | $15,187,800 | 3,870 |
| Average total loans | $138,553,400 | 2,820 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9656% | 488 |
| Cost of funding earning assets | 1.6798% | 430 |
| Net interest margin | 4.2858% | 1,774 |
| Noninterest income to average assets | 0.7099% | 2,543 |
| Noninterest expense to average assets | 3.1787% | 2,885 |
| Loan and lease loss provision to assets | 0.3700% | 2,636 |
| Net operating income to assets | 0.6921% | 3,663 |
| Return on assets (ROA) | 0.7661% | 3,476 |
| Pretax return on assets | 1.1962% | 2,649 |
| Return on Equity (ROE) | 8.4497% | 2,853 |
| Retained earnings to average equity (ytd only) | 8.4497% | 1,336 |
| Net charge-offs to loans | 0.2074% | 4,142 |
| Credit loss provision to net charge-offs | 222.2222% | 1,284 |
| Earnings coverage of net charge-offs (x) | 8.7130% | 2,135 |
| Efficiency ratio | 68.6647% | 4,183 |
| Assets per employee ($millions) | 3.1126% | 5,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 5,205 |
| Loan loss allowance to noncurrent loans | 144.6154% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 4.4743% | 1,343 |
| Noncurrent loans to loans | 0.8697% | 5,123 |
| Net loans and leases to total assets | 80.4386% | 476 |
| Net loans and leases to deposits | 94.2386% | 813 |
| Net loans and leases to core deposits | 100.0499% | 1,242 |
| Total domestic deposits to total assets | 85.3564% | 3,582 |
| Equity capital to assets | 9.3140% | 5,357 |
| Core capital (leverage) ratio | 9.6056% | 3,982 |
| Tier 1 risk-based capital ratio | 11.6299% | 6,154 |
| Total risk-based capital ratio | 12.8712% | 6,149 |
| Memoranda: | ||
| Average total assets | $172,982,750 | 3,464 |
| Average earning assets | $158,193,250 | 3,463 |
| Average equity | $15,684,500 | 3,791 |
| Average total loans | $138,828,000 | 2,834 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9494% | 522 |
| Cost of funding earning assets | 1.7544% | 377 |
| Net interest margin | 4.1950% | 2,057 |
| Noninterest income to average assets | 0.7326% | 2,361 |
| Noninterest expense to average assets | 3.1784% | 2,978 |
| Loan and lease loss provision to assets | 0.3709% | 2,565 |
| Net operating income to assets | 0.6481% | 3,807 |
| Return on assets (ROA) | 0.6526% | 3,911 |
| Pretax return on assets | 1.0316% | 3,113 |
| Return on Equity (ROE) | 7.2640% | 3,313 |
| Retained earnings to average equity (ytd only) | 7.2640% | 1,757 |
| Net charge-offs to loans | 0.1931% | 3,997 |
| Credit loss provision to net charge-offs | 240.6015% | 1,256 |
| Earnings coverage of net charge-offs (x) | 9.0526% | 1,973 |
| Efficiency ratio | 69.4881% | 4,209 |
| Assets per employee ($millions) | 3.2119% | 5,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 5,434 |
| Loan loss allowance to noncurrent loans | 155.6466% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 4.0661% | 1,573 |
| Noncurrent loans to loans | 0.7879% | 5,334 |
| Net loans and leases to total assets | 77.9154% | 792 |
| Net loans and leases to deposits | 89.8107% | 1,299 |
| Net loans and leases to core deposits | 96.9126% | 1,591 |
| Total domestic deposits to total assets | 86.7551% | 2,885 |
| Equity capital to assets | 8.9614% | 5,640 |
| Core capital (leverage) ratio | 9.2430% | 4,332 |
| Tier 1 risk-based capital ratio | 11.5734% | 6,111 |
| Total risk-based capital ratio | 12.7867% | 6,133 |
| Memoranda: | ||
| Average total assets | $172,541,000 | 3,490 |
| Average earning assets | $157,999,000 | 3,478 |
| Average equity | $15,501,000 | 3,822 |
| Average total loans | $137,771,670 | 2,895 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9262% | 563 |
| Cost of funding earning assets | 1.8057% | 370 |
| Net interest margin | 4.1205% | 2,186 |
| Noninterest income to average assets | 0.6945% | 2,610 |
| Noninterest expense to average assets | 3.2449% | 2,722 |
| Loan and lease loss provision to assets | 0.3754% | 2,313 |
| Net operating income to assets | 0.5256% | 4,377 |
| Return on assets (ROA) | 0.5256% | 4,461 |
| Pretax return on assets | 0.8540% | 3,689 |
| Return on Equity (ROE) | 5.8425% | 3,993 |
| Retained earnings to average equity (ytd only) | 5.8425% | 2,728 |
| Net charge-offs to loans | 0.3767% | 2,563 |
| Credit loss provision to net charge-offs | 124.0310% | 2,219 |
| Earnings coverage of net charge-offs (x) | 4.0620% | 2,568 |
| Efficiency ratio | 72.5223% | 3,766 |
| Assets per employee ($millions) | 3.1076% | 5,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 5,901 |
| Loan loss allowance to noncurrent loans | 132.6217% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 4.0345% | 1,656 |
| Noncurrent loans to loans | 0.8573% | 5,330 |
| Net loans and leases to total assets | 77.5945% | 783 |
| Net loans and leases to deposits | 89.1778% | 1,332 |
| Net loans and leases to core deposits | 96.2905% | 1,652 |
| Total domestic deposits to total assets | 87.0110% | 2,931 |
| Equity capital to assets | 8.8666% | 5,399 |
| Core capital (leverage) ratio | 9.2942% | 4,130 |
| Tier 1 risk-based capital ratio | 11.6383% | 5,994 |
| Total risk-based capital ratio | 12.7669% | 6,069 |
| Memoranda: | ||
| Average total assets | $170,483,000 | 3,548 |
| Average earning assets | $156,390,500 | 3,541 |
| Average equity | $15,336,000 | 3,841 |
| Average total loans | $136,981,500 | 2,948 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0734% | 739 |
| Cost of funding earning assets | 2.0824% | 451 |
| Net interest margin | 3.9910% | 3,057 |
| Noninterest income to average assets | 0.7828% | 2,364 |
| Noninterest expense to average assets | 2.8510% | 4,400 |
| Loan and lease loss provision to assets | 0.5118% | 3,104 |
| Net operating income to assets | 0.6852% | 3,278 |
| Return on assets (ROA) | 0.5093% | 4,211 |
| Pretax return on assets | 0.7928% | 3,664 |
| Return on Equity (ROE) | 5.5710% | 3,809 |
| Retained earnings to average equity (ytd only) | 4.4785% | 2,733 |
| Net charge-offs to loans | 0.3991% | 4,044 |
| Credit loss provision to net charge-offs | 158.3493% | 2,220 |
| Earnings coverage of net charge-offs (x) | 4.8868% | 2,773 |
| Efficiency ratio | 64.3517% | 5,291 |
| Assets per employee ($millions) | 2.9811% | 6,142 |
| Cash dividends to net income (ytd only)* | 19.6102% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1079% | 5,927 |
| Loan loss allowance to noncurrent loans | 124.1436% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 4.3488% | 1,535 |
| Noncurrent loans to loans | 0.8924% | 5,272 |
| Net loans and leases to total assets | 81.3786% | 502 |
| Net loans and leases to deposits | 94.5460% | 1,007 |
| Net loans and leases to core deposits | 102.5328% | 1,413 |
| Total domestic deposits to total assets | 86.0730% | 3,321 |
| Equity capital to assets | 9.1301% | 4,944 |
| Core capital (leverage) ratio | 9.2243% | 4,129 |
| Tier 1 risk-based capital ratio | 11.4654% | 5,937 |
| Total risk-based capital ratio | 12.5741% | 6,061 |
| Memoranda: | ||
| Average total assets | $161,207,000 | 3,674 |
| Average earning assets | $147,330,600 | 3,677 |
| Average equity | $14,737,000 | 3,988 |
| Average total loans | $130,541,400 | 3,114 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0612% | 821 |
| Cost of funding earning assets | 2.1045% | 529 |
| Net interest margin | 3.9567% | 3,300 |
| Noninterest income to average assets | 0.8679% | 1,921 |
| Noninterest expense to average assets | 2.8047% | 4,471 |
| Loan and lease loss provision to assets | 0.5132% | 2,893 |
| Net operating income to assets | 0.6931% | 3,448 |
| Return on assets (ROA) | 0.4565% | 4,697 |
| Pretax return on assets | 0.7936% | 3,936 |
| Return on Equity (ROE) | 4.9917% | 4,292 |
| Retained earnings to average equity (ytd only) | 4.9917% | 2,996 |
| Net charge-offs to loans | 0.4481% | 3,515 |
| Credit loss provision to net charge-offs | 142.0323% | 2,782 |
| Earnings coverage of net charge-offs (x) | 4.6397% | 2,967 |
| Efficiency ratio | 62.5885% | 5,507 |
| Assets per employee ($millions) | 3.0365% | 6,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 6,154 |
| Loan loss allowance to noncurrent loans | 104.3219% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 3.8655% | 1,826 |
| Noncurrent loans to loans | 1.0084% | 5,221 |
| Net loans and leases to total assets | 77.4429% | 1,138 |
| Net loans and leases to deposits | 93.7915% | 1,228 |
| Net loans and leases to core deposits | 102.5520% | 1,596 |
| Total domestic deposits to total assets | 82.5692% | 4,764 |
| Equity capital to assets | 8.8171% | 5,834 |
| Core capital (leverage) ratio | 9.4745% | 3,938 |
| Tier 1 risk-based capital ratio | 12.6767% | 4,835 |
| Total risk-based capital ratio | 13.8124% | 4,904 |
| Memoranda: | ||
| Average total assets | $159,773,250 | 3,757 |
| Average earning assets | $145,909,000 | 3,753 |
| Average equity | $14,610,750 | 4,074 |
| Average total loans | $128,832,500 | 3,183 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0391% | 860 |
| Cost of funding earning assets | 2.1240% | 608 |
| Net interest margin | 3.9152% | 3,379 |
| Noninterest income to average assets | 0.9338% | 1,568 |
| Noninterest expense to average assets | 2.8436% | 4,297 |
| Loan and lease loss provision to assets | 0.5181% | 2,718 |
| Net operating income to assets | 0.6266% | 3,750 |
| Return on assets (ROA) | 0.4989% | 4,484 |
| Pretax return on assets | 0.9543% | 3,295 |
| Return on Equity (ROE) | 5.3855% | 4,096 |
| Retained earnings to average equity (ytd only) | 5.3855% | 2,683 |
| Net charge-offs to loans | 0.2841% | 3,918 |
| Credit loss provision to net charge-offs | 223.7569% | 1,738 |
| Earnings coverage of net charge-offs (x) | 7.2210% | 2,339 |
| Efficiency ratio | 62.9745% | 5,525 |
| Assets per employee ($millions) | 2.8465% | 6,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1131% | 5,882 |
| Loan loss allowance to noncurrent loans | 79.1873% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 3.1154% | 2,272 |
| Noncurrent loans to loans | 1.4057% | 4,597 |
| Net loans and leases to total assets | 80.3635% | 746 |
| Net loans and leases to deposits | 98.4915% | 829 |
| Net loans and leases to core deposits | 105.8144% | 1,462 |
| Total domestic deposits to total assets | 81.5943% | 5,153 |
| Equity capital to assets | 9.3343% | 4,957 |
| Core capital (leverage) ratio | 9.7560% | 3,463 |
| Tier 1 risk-based capital ratio | 13.0420% | 4,404 |
| Total risk-based capital ratio | 14.2578% | 4,390 |
| Memoranda: | ||
| Average total assets | $156,349,670 | 3,854 |
| Average earning assets | $143,034,000 | 3,838 |
| Average equity | $14,483,330 | 4,090 |
| Average total loans | $127,414,330 | 3,249 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3124% | 520 |
| Cost of funding earning assets | 2.1126% | 783 |
| Net interest margin | 4.1999% | 2,038 |
| Noninterest income to average assets | 0.9198% | 1,558 |
| Noninterest expense to average assets | 2.8006% | 4,481 |
| Loan and lease loss provision to assets | 0.6330% | 2,004 |
| Net operating income to assets | 0.7316% | 3,297 |
| Return on assets (ROA) | 0.6175% | 3,959 |
| Pretax return on assets | 1.1704% | 2,474 |
| Return on Equity (ROE) | 6.6921% | 3,520 |
| Retained earnings to average equity (ytd only) | 6.6921% | 2,280 |
| Net charge-offs to loans | 0.4369% | 2,740 |
| Credit loss provision to net charge-offs | 177.5362% | 2,054 |
| Earnings coverage of net charge-offs (x) | 5.5580% | 2,375 |
| Efficiency ratio | 58.5629% | 6,402 |
| Assets per employee ($millions) | 2.8835% | 6,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 6,261 |
| Loan loss allowance to noncurrent loans | 75.2413% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.7462% | 3,858 |
| Noncurrent loans to loans | 1.3881% | 4,650 |
| Net loans and leases to total assets | 80.6244% | 754 |
| Net loans and leases to deposits | 98.7431% | 846 |
| Net loans and leases to core deposits | 106.2664% | 1,556 |
| Total domestic deposits to total assets | 81.6506% | 5,217 |
| Equity capital to assets | 9.3115% | 4,817 |
| Core capital (leverage) ratio | 9.7991% | 3,399 |
| Tier 1 risk-based capital ratio | 13.2559% | 4,164 |
| Total risk-based capital ratio | 14.4117% | 4,192 |
| Memoranda: | ||
| Average total assets | $154,823,500 | 3,933 |
| Average earning assets | $142,385,500 | 3,905 |
| Average equity | $14,285,500 | 4,167 |
| Average total loans | $126,350,000 | 3,340 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7648% | 407 |
| Cost of funding earning assets | 2.3072% | 1,624 |
| Net interest margin | 4.4576% | 1,276 |
| Noninterest income to average assets | 0.9810% | 1,637 |
| Noninterest expense to average assets | 3.0873% | 3,802 |
| Loan and lease loss provision to assets | 0.4532% | 4,108 |
| Net operating income to assets | 0.9790% | 1,910 |
| Return on assets (ROA) | 0.9196% | 2,177 |
| Pretax return on assets | 1.4481% | 1,317 |
| Return on Equity (ROE) | 9.2306% | 1,947 |
| Retained earnings to average equity (ytd only) | 8.0829% | 676 |
| Net charge-offs to loans | 0.3767% | 4,321 |
| Credit loss provision to net charge-offs | 143.8053% | 3,331 |
| Earnings coverage of net charge-offs (x) | 6.3274% | 2,386 |
| Efficiency ratio | 60.7574% | 6,364 |
| Assets per employee ($millions) | 2.8507% | 6,561 |
| Cash dividends to net income (ytd only)* | 12.4337% | 3,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 6,542 |
| Loan loss allowance to noncurrent loans | 38.0744% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 2.6537% | 2,647 |
| Noncurrent loans to loans | 2.5422% | 3,011 |
| Net loans and leases to total assets | 80.9531% | 843 |
| Net loans and leases to deposits | 99.5646% | 942 |
| Net loans and leases to core deposits | 153.1831% | 439 |
| Total domestic deposits to total assets | 81.3072% | 5,232 |
| Equity capital to assets | 9.1415% | 4,926 |
| Core capital (leverage) ratio | 9.8300% | 3,298 |
| Tier 1 risk-based capital ratio | 13.1733% | 4,028 |
| Total risk-based capital ratio | 14.2561% | 4,086 |
| Memoranda: | ||
| Average total assets | $143,426,600 | 4,051 |
| Average earning assets | $131,933,200 | 4,047 |
| Average equity | $14,289,400 | 4,194 |
| Average total loans | $119,985,000 | 3,485 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8997% | 353 |
| Cost of funding earning assets | 2.3330% | 1,869 |
| Net interest margin | 4.5666% | 1,046 |
| Noninterest income to average assets | 1.0123% | 1,556 |
| Noninterest expense to average assets | 3.0700% | 3,767 |
| Loan and lease loss provision to assets | 0.3220% | 4,411 |
| Net operating income to assets | 1.2099% | 1,442 |
| Return on assets (ROA) | 1.0843% | 1,838 |
| Pretax return on assets | 1.6467% | 1,078 |
| Return on Equity (ROE) | 10.6432% | 1,721 |
| Retained earnings to average equity (ytd only) | 10.6432% | 523 |
| Net charge-offs to loans | 0.3116% | 4,091 |
| Credit loss provision to net charge-offs | 122.7437% | 4,123 |
| Earnings coverage of net charge-offs (x) | 8.2311% | 2,285 |
| Efficiency ratio | 58.7106% | 6,611 |
| Assets per employee ($millions) | 2.7420% | 6,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8790% | 6,850 |
| Loan loss allowance to noncurrent loans | 125.3472% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 1.1010% | 4,878 |
| Noncurrent loans to loans | 0.7012% | 5,895 |
| Net loans and leases to total assets | 84.0372% | 536 |
| Net loans and leases to deposits | 104.6432% | 726 |
| Net loans and leases to core deposits | 157.2525% | 432 |
| Total domestic deposits to total assets | 80.3083% | 5,329 |
| Equity capital to assets | 10.0747% | 3,995 |
| Core capital (leverage) ratio | 10.4517% | 2,831 |
| Tier 1 risk-based capital ratio | 13.2639% | 4,011 |
| Total risk-based capital ratio | 14.2090% | 4,151 |
| Memoranda: | ||
| Average total assets | $140,799,250 | 4,124 |
| Average earning assets | $130,012,750 | 4,103 |
| Average equity | $14,343,750 | 4,218 |
| Average total loans | $118,522,750 | 3,545 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9099% | 377 |
| Cost of funding earning assets | 2.3184% | 2,285 |
| Net interest margin | 4.5915% | 971 |
| Noninterest income to average assets | 1.0151% | 1,546 |
| Noninterest expense to average assets | 3.0971% | 3,713 |
| Loan and lease loss provision to assets | 0.2585% | 4,512 |
| Net operating income to assets | 1.2717% | 1,300 |
| Return on assets (ROA) | 1.0783% | 1,920 |
| Pretax return on assets | 1.5995% | 1,205 |
| Return on Equity (ROE) | 10.5443% | 1,836 |
| Retained earnings to average equity (ytd only) | 10.5443% | 633 |
| Net charge-offs to loans | 0.2428% | 3,980 |
| Credit loss provision to net charge-offs | 126.7606% | 3,665 |
| Earnings coverage of net charge-offs (x) | 10.5282% | 1,985 |
| Efficiency ratio | 59.0635% | 6,683 |
| Assets per employee ($millions) | 2.6886% | 6,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8817% | 6,843 |
| Loan loss allowance to noncurrent loans | 36.0109% | 6,029 |
| Noncurrent assets plus other real estate owned to assets | 2.5657% | 2,515 |
| Noncurrent loans to loans | 2.4485% | 2,947 |
| Net loans and leases to total assets | 83.4634% | 717 |
| Net loans and leases to deposits | 106.6530% | 730 |
| Net loans and leases to core deposits | 155.9682% | 521 |
| Total domestic deposits to total assets | 78.2569% | 6,012 |
| Equity capital to assets | 9.9898% | 3,952 |
| Core capital (leverage) ratio | 10.5456% | 2,771 |
| Tier 1 risk-based capital ratio | 12.8461% | 4,246 |
| Total risk-based capital ratio | 13.7643% | 4,429 |
| Memoranda: | ||
| Average total assets | $139,290,670 | 4,184 |
| Average earning assets | $128,280,330 | 4,180 |
| Average equity | $14,244,670 | 4,255 |
| Average total loans | $116,960,330 | 3,605 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8673% | 429 |
| Cost of funding earning assets | 2.3708% | 2,411 |
| Net interest margin | 4.4966% | 1,131 |
| Noninterest income to average assets | 0.9936% | 1,498 |
| Noninterest expense to average assets | 3.0300% | 3,634 |
| Loan and lease loss provision to assets | 0.2615% | 3,870 |
| Net operating income to assets | 1.1440% | 1,826 |
| Return on assets (ROA) | 1.1998% | 1,765 |
| Pretax return on assets | 1.9493% | 724 |
| Return on Equity (ROE) | 11.5934% | 1,785 |
| Retained earnings to average equity (ytd only) | 11.5934% | 866 |
| Net charge-offs to loans | 0.2044% | 3,408 |
| Credit loss provision to net charge-offs | 152.5424% | 2,737 |
| Earnings coverage of net charge-offs (x) | 12.3898% | 1,807 |
| Efficiency ratio | 58.7937% | 6,576 |
| Assets per employee ($millions) | 2.5822% | 7,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9048% | 6,728 |
| Loan loss allowance to noncurrent loans | 40.5478% | 5,841 |
| Noncurrent assets plus other real estate owned to assets | 2.3514% | 2,440 |
| Noncurrent loans to loans | 2.2314% | 2,948 |
| Net loans and leases to total assets | 84.1087% | 672 |
| Net loans and leases to deposits | 106.6220% | 820 |
| Net loans and leases to core deposits | 154.4356% | 591 |
| Total domestic deposits to total assets | 78.8850% | 5,772 |
| Equity capital to assets | 10.5557% | 3,406 |
| Core capital (leverage) ratio | 10.4214% | 3,011 |
| Tier 1 risk-based capital ratio | 13.2400% | 4,030 |
| Total risk-based capital ratio | 14.2020% | 4,137 |
| Memoranda: | ||
| Average total assets | $137,688,000 | 4,236 |
| Average earning assets | $127,385,500 | 4,206 |
| Average equity | $14,249,500 | 4,283 |
| Average total loans | $115,445,500 | 3,664 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5475% | 376 |
| Cost of funding earning assets | 3.0189% | 1,806 |
| Net interest margin | 4.5287% | 1,355 |
| Noninterest income to average assets | 1.0017% | 1,572 |
| Noninterest expense to average assets | 3.1274% | 3,596 |
| Loan and lease loss provision to assets | 0.1893% | 4,992 |
| Net operating income to assets | 1.1723% | 1,870 |
| Return on assets (ROA) | 1.1165% | 1,998 |
| Pretax return on assets | 1.7851% | 977 |
| Return on Equity (ROE) | 11.1669% | 1,855 |
| Retained earnings to average equity (ytd only) | 9.9444% | 458 |
| Net charge-offs to loans | 0.1270% | 4,970 |
| Credit loss provision to net charge-offs | 185.4015% | 2,673 |
| Earnings coverage of net charge-offs (x) | 20.1898% | 1,586 |
| Efficiency ratio | 60.2700% | 6,289 |
| Assets per employee ($millions) | 2.7704% | 6,636 |
| Cash dividends to net income (ytd only)* | 10.9479% | 4,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8890% | 6,736 |
| Loan loss allowance to noncurrent loans | 177.7003% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.7003% | 5,124 |
| Noncurrent loans to loans | 0.5003% | 5,847 |
| Net loans and leases to total assets | 82.0908% | 1,211 |
| Net loans and leases to deposits | 103.1935% | 1,439 |
| Net loans and leases to core deposits | 150.5116% | 836 |
| Total domestic deposits to total assets | 79.5504% | 5,182 |
| Equity capital to assets | 10.1450% | 3,870 |
| Core capital (leverage) ratio | 10.1654% | 3,307 |
| Tier 1 risk-based capital ratio | 12.8926% | 4,165 |
| Total risk-based capital ratio | 13.8284% | 4,294 |
| Memoranda: | ||
| Average total assets | $134,167,200 | 4,202 |
| Average earning assets | $124,053,800 | 4,171 |
| Average equity | $13,414,600 | 4,469 |
| Average total loans | $107,911,200 | 3,739 |