| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6664% | 967 |
| Cost of funding earning assets | 0.1637% | 4,458 |
| Net interest margin | 5.5028% | 186 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 4.0647% | 348 |
| Loan and lease loss provision to assets | 0.6300% | 127 |
| Net operating income to assets | 0.6092% | 3,420 |
| Return on assets (ROA) | 0.6092% | 3,408 |
| Pretax return on assets | 0.8097% | 3,192 |
| Return on Equity (ROE) | 3.6000% | 3,942 |
| Retained earnings to average equity (ytd only) | 3.6030% | 3,091 |
| Net charge-offs to loans | 1.6171% | 55 |
| Credit loss provision to net charge-offs | 119.8758% | 1,676 |
| Earnings coverage of net charge-offs (x) | 2.7415% | 2,677 |
| Efficiency ratio | 65.8744% | 2,370 |
| Assets per employee ($millions) | 6.1506% | 2,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4337% | 1,262 |
| Loan loss allowance to noncurrent loans | 39.4648% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.9986% | 147 |
| Noncurrent loans to loans | 3.6328% | 106 |
| Net loans and leases to total assets | 36.7700% | 4,132 |
| Net loans and leases to deposits | 44.8570% | 4,076 |
| Net loans and leases to core deposits | 45.3478% | 4,168 |
| Total domestic deposits to total assets | 81.9800% | 3,128 |
| Equity capital to assets | 17.7620% | 359 |
| Core capital (leverage) ratio | 13.4071% | 935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $245,404,000 | 2,712 |
| Average earning assets | $215,691,800 | 2,767 |
| Average equity | $41,492,800 | 1,832 |
| Average total loans | $79,650,000 | 3,413 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4364% | 1,090 |
| Cost of funding earning assets | 0.1497% | 4,478 |
| Net interest margin | 5.2867% | 225 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 3.9158% | 378 |
| Loan and lease loss provision to assets | 0.5100% | 155 |
| Net operating income to assets | 0.6618% | 3,405 |
| Return on assets (ROA) | 0.6618% | 3,391 |
| Pretax return on assets | 0.8882% | 3,131 |
| Return on Equity (ROE) | 3.9600% | 3,988 |
| Retained earnings to average equity (ytd only) | 3.9629% | 3,270 |
| Net charge-offs to loans | 1.6686% | 49 |
| Credit loss provision to net charge-offs | 98.0331% | 1,642 |
| Earnings coverage of net charge-offs (x) | 2.6822% | 2,468 |
| Efficiency ratio | 65.4538% | 2,341 |
| Assets per employee ($millions) | 6.0406% | 2,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2929% | 1,894 |
| Loan loss allowance to noncurrent loans | 25.2756% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 2.1133% | 123 |
| Noncurrent loans to loans | 5.1152% | 52 |
| Net loans and leases to total assets | 31.1000% | 4,299 |
| Net loans and leases to deposits | 37.3441% | 4,271 |
| Net loans and leases to core deposits | 37.7295% | 4,299 |
| Total domestic deposits to total assets | 83.2900% | 2,964 |
| Equity capital to assets | 16.4477% | 423 |
| Core capital (leverage) ratio | 12.5839% | 1,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $246,787,000 | 2,710 |
| Average earning assets | $217,344,000 | 2,770 |
| Average equity | $41,214,500 | 1,827 |
| Average total loans | $77,190,250 | 3,451 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2169% | 1,191 |
| Cost of funding earning assets | 0.1327% | 4,492 |
| Net interest margin | 5.0842% | 278 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 3.9871% | 343 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 0.6483% | 3,466 |
| Return on assets (ROA) | 0.6483% | 3,474 |
| Pretax return on assets | 0.8649% | 3,249 |
| Return on Equity (ROE) | 3.8600% | 4,042 |
| Retained earnings to average equity (ytd only) | 3.8623% | 3,238 |
| Net charge-offs to loans | 1.0974% | 82 |
| Credit loss provision to net charge-offs | 70.3791% | 1,592 |
| Earnings coverage of net charge-offs (x) | 3.2299% | 2,271 |
| Efficiency ratio | 69.6989% | 1,792 |
| Assets per employee ($millions) | 6.3760% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2023% | 2,425 |
| Loan loss allowance to noncurrent loans | 19.4480% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 2.4467% | 103 |
| Noncurrent loans to loans | 6.1819% | 31 |
| Net loans and leases to total assets | 30.5900% | 4,314 |
| Net loans and leases to deposits | 37.0558% | 4,277 |
| Net loans and leases to core deposits | 37.4472% | 4,304 |
| Total domestic deposits to total assets | 82.5600% | 3,129 |
| Equity capital to assets | 17.2007% | 376 |
| Core capital (leverage) ratio | 12.7588% | 1,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $246,494,667 | 2,711 |
| Average earning assets | $215,491,000 | 2,789 |
| Average equity | $41,374,333 | 1,830 |
| Average total loans | $76,906,333 | 3,462 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1951% | 957 |
| Cost of funding earning assets | 0.1017% | 4,527 |
| Net interest margin | 5.0935% | 260 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 3.9936% | 353 |
| Loan and lease loss provision to assets | 0.4800% | 162 |
| Net operating income to assets | 0.5133% | 3,864 |
| Return on assets (ROA) | 0.5133% | 3,828 |
| Pretax return on assets | 0.6822% | 3,698 |
| Return on Equity (ROE) | 3.1000% | 4,175 |
| Retained earnings to average equity (ytd only) | 3.0953% | 3,483 |
| Net charge-offs to loans | 1.9012% | 44 |
| Credit loss provision to net charge-offs | 80.2703% | 1,213 |
| Earnings coverage of net charge-offs (x) | 1.9486% | 1,949 |
| Efficiency ratio | 69.0915% | 1,846 |
| Assets per employee ($millions) | 6.2067% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2494% | 2,294 |
| Loan loss allowance to noncurrent loans | 22.3681% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 2.2435% | 98 |
| Noncurrent loans to loans | 5.5858% | 46 |
| Net loans and leases to total assets | 30.3700% | 4,357 |
| Net loans and leases to deposits | 36.6275% | 4,307 |
| Net loans and leases to core deposits | 37.0003% | 4,345 |
| Total domestic deposits to total assets | 82.9200% | 3,312 |
| Equity capital to assets | 16.7706% | 359 |
| Core capital (leverage) ratio | 12.4710% | 1,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $248,598,500 | 2,735 |
| Average earning assets | $220,361,000 | 2,796 |
| Average equity | $41,224,000 | 1,862 |
| Average total loans | $77,847,000 | 3,485 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3963% | 3,354 |
| Cost of funding earning assets | 0.0769% | 4,487 |
| Net interest margin | 3.3195% | 2,516 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 2.9241% | 1,086 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.5445% | 4,005 |
| Return on assets (ROA) | 0.5445% | 3,964 |
| Pretax return on assets | 0.7248% | 3,801 |
| Return on Equity (ROE) | 5.7000% | 3,884 |
| Retained earnings to average equity (ytd only) | 4.3785% | 3,274 |
| Net charge-offs to loans | 0.0486% | 1,192 |
| Credit loss provision to net charge-offs | 48.7805% | 1,824 |
| Earnings coverage of net charge-offs (x) | 40.4878% | 1,499 |
| Efficiency ratio | 76.1237% | 994 |
| Assets per employee ($millions) | 6.5547% | 2,290 |
| Cash dividends to net income (ytd only)* | 23.1331% | 2,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2944% | 1,926 |
| Loan loss allowance to noncurrent loans | 15.9225% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 3.1074% | 41 |
| Noncurrent loans to loans | 8.1296% | 21 |
| Net loans and leases to total assets | 31.4400% | 4,357 |
| Net loans and leases to deposits | 37.7170% | 4,300 |
| Net loans and leases to core deposits | 38.1449% | 4,327 |
| Total domestic deposits to total assets | 83.3600% | 3,343 |
| Equity capital to assets | 16.4457% | 361 |
| Core capital (leverage) ratio | 11.8949% | 1,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $226,261,400 | 2,866 |
| Average earning assets | $205,515,000 | 2,888 |
| Average equity | $21,628,600 | 2,801 |
| Average total loans | $84,343,000 | 3,350 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9513% | 3,980 |
| Cost of funding earning assets | 0.0730% | 4,469 |
| Net interest margin | 2.8782% | 3,545 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.7439% | 1,367 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.3742% | 4,280 |
| Return on assets (ROA) | 0.3742% | 4,227 |
| Pretax return on assets | 0.4975% | 4,152 |
| Return on Equity (ROE) | 4.9100% | 3,994 |
| Retained earnings to average equity (ytd only) | 3.2390% | 3,715 |
| Net charge-offs to loans | 0.0249% | 1,328 |
| Credit loss provision to net charge-offs | 125.0000% | 1,198 |
| Earnings coverage of net charge-offs (x) | 52.6875% | 1,254 |
| Efficiency ratio | 83.4820% | 577 |
| Assets per employee ($millions) | 6.7711% | 2,116 |
| Cash dividends to net income (ytd only)* | 34.0872% | 1,851 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2882% | 2,089 |
| Loan loss allowance to noncurrent loans | 21.2323% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 2.4252% | 89 |
| Noncurrent loans to loans | 6.0673% | 36 |
| Net loans and leases to total assets | 31.3000% | 4,391 |
| Net loans and leases to deposits | 37.2141% | 4,335 |
| Net loans and leases to core deposits | 37.5266% | 4,352 |
| Total domestic deposits to total assets | 84.1100% | 3,478 |
| Equity capital to assets | 15.6652% | 397 |
| Core capital (leverage) ratio | 12.8585% | 942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $220,556,750 | 2,914 |
| Average earning assets | $200,812,250 | 2,950 |
| Average equity | $16,795,000 | 3,252 |
| Average total loans | $85,593,750 | 3,348 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8857% | 3,819 |
| Cost of funding earning assets | 0.0761% | 4,415 |
| Net interest margin | 2.8096% | 3,423 |
| Noninterest income to average assets | 0.6212% | 1,651 |
| Noninterest expense to average assets | 2.8919% | 1,002 |
| Loan and lease loss provision to assets | 0.0192% | 2,257 |
| Net operating income to assets | 0.2285% | 4,386 |
| Return on assets (ROA) | 0.2285% | 4,345 |
| Pretax return on assets | 0.2967% | 4,302 |
| Return on Equity (ROE) | 5.3139% | 3,752 |
| Retained earnings to average equity (ytd only) | 4.1082% | 3,044 |
| Net charge-offs to loans | 0.0161% | 1,430 |
| Credit loss provision to net charge-offs | 285.7143% | 820 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 1,188 |
| Efficiency ratio | 89.2248% | 443 |
| Assets per employee ($millions) | 6.2812% | 2,496 |
| Cash dividends to net income (ytd only)* | 22.6891% | 2,365 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0838% | 3,218 |
| Loan loss allowance to noncurrent loans | 43.8815% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 0.9889% | 478 |
| Noncurrent loans to loans | 2.4699% | 234 |
| Net loans and leases to total assets | 39.2303% | 4,116 |
| Net loans and leases to deposits | 40.5648% | 4,249 |
| Net loans and leases to core deposits | 41.2320% | 4,289 |
| Total domestic deposits to total assets | 96.7101% | 60 |
| Equity capital to assets | 2.9364% | 4,692 |
| Core capital (leverage) ratio | 5.8601% | 4,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5177% | 2,668 |
| Memoranda: |
| Average total assets | $208,308,000 | 3,039 |
| Average earning assets | $191,772,333 | 3,049 |
| Average equity | $8,957,667 | 4,107 |
| Average total loans | $86,930,000 | 3,369 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8969% | 3,547 |
| Cost of funding earning assets | 0.0763% | 4,391 |
| Net interest margin | 2.8205% | 3,073 |
| Noninterest income to average assets | 0.6165% | 1,621 |
| Noninterest expense to average assets | 2.8996% | 961 |
| Loan and lease loss provision to assets | 0.0389% | 1,662 |
| Net operating income to assets | 0.2042% | 4,325 |
| Return on assets (ROA) | 0.2042% | 4,292 |
| Pretax return on assets | 0.2645% | 4,240 |
| Return on Equity (ROE) | 4.0773% | 3,858 |
| Retained earnings to average equity (ytd only) | 1.9027% | 3,573 |
| Net charge-offs to loans | 0.0091% | 1,419 |
| Credit loss provision to net charge-offs | 1,000.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 752 |
| Efficiency ratio | 89.6175% | 567 |
| Assets per employee ($millions) | 5.7676% | 3,041 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,193 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0677% | 3,464 |
| Loan loss allowance to noncurrent loans | 59.0793% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 0.7629% | 728 |
| Noncurrent loans to loans | 1.8072% | 426 |
| Net loans and leases to total assets | 41.2369% | 3,936 |
| Net loans and leases to deposits | 43.2477% | 4,103 |
| Net loans and leases to core deposits | 43.9892% | 4,162 |
| Total domestic deposits to total assets | 95.3504% | 25 |
| Equity capital to assets | 4.2946% | 4,769 |
| Core capital (leverage) ratio | 6.5548% | 4,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2106% | 2,117 |
| Memoranda: |
| Average total assets | $205,681,000 | 3,070 |
| Average earning assets | $188,617,000 | 3,088 |
| Average equity | $10,301,000 | 4,020 |
| Average total loans | $88,045,500 | 3,357 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4398% | 2,826 |
| Cost of funding earning assets | 0.0994% | 4,388 |
| Net interest margin | 3.3404% | 2,209 |
| Noninterest income to average assets | 0.6815% | 1,829 |
| Noninterest expense to average assets | 3.3660% | 575 |
| Loan and lease loss provision to assets | 0.0411% | 2,226 |
| Net operating income to assets | 0.1933% | 4,542 |
| Return on assets (ROA) | 0.1771% | 4,572 |
| Pretax return on assets | 0.2376% | 4,536 |
| Return on Equity (ROE) | 2.9019% | 4,375 |
| Retained earnings to average equity (ytd only) | 1.6234% | 4,085 |
| Net charge-offs to loans | -0.0087% | 3,693 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9689% | 294 |
| Assets per employee ($millions) | 5.6592% | 3,112 |
| Cash dividends to net income (ytd only)* | 44.0580% | 1,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0118% | 3,695 |
| Loan loss allowance to noncurrent loans | 47.0649% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 0.9586% | 595 |
| Noncurrent loans to loans | 2.1497% | 343 |
| Net loans and leases to total assets | 43.5086% | 3,869 |
| Net loans and leases to deposits | 46.3092% | 4,079 |
| Net loans and leases to core deposits | 47.2095% | 4,129 |
| Total domestic deposits to total assets | 93.9523% | 15 |
| Equity capital to assets | 5.7355% | 4,818 |
| Core capital (leverage) ratio | 6.1984% | 4,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8508% | 2,303 |
| Memoranda: |
| Average total assets | $194,859,400 | 3,098 |
| Average earning assets | $174,048,800 | 3,137 |
| Average equity | $11,888,800 | 3,942 |
| Average total loans | $91,576,600 | 3,317 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5789% | 2,616 |
| Cost of funding earning assets | 0.1051% | 4,456 |
| Net interest margin | 3.4738% | 1,946 |
| Noninterest income to average assets | 0.6928% | 1,846 |
| Noninterest expense to average assets | 3.4467% | 498 |
| Loan and lease loss provision to assets | 0.0415% | 2,164 |
| Net operating income to assets | 0.2247% | 4,605 |
| Return on assets (ROA) | 0.2028% | 4,646 |
| Pretax return on assets | 0.2658% | 4,618 |
| Return on Equity (ROE) | 3.2719% | 4,422 |
| Retained earnings to average equity (ytd only) | 2.2669% | 4,119 |
| Net charge-offs to loans | -0.0304% | 4,136 |
| Credit loss provision to net charge-offs | -285.7143% | 3,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3001% | 310 |
| Assets per employee ($millions) | 5.9346% | 2,754 |
| Cash dividends to net income (ytd only)* | 30.7167% | 2,048 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0087% | 3,813 |
| Loan loss allowance to noncurrent loans | 51.4891% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 0.8792% | 787 |
| Noncurrent loans to loans | 1.9590% | 458 |
| Net loans and leases to total assets | 43.7245% | 3,975 |
| Net loans and leases to deposits | 46.7182% | 4,201 |
| Net loans and leases to core deposits | 47.7052% | 4,250 |
| Total domestic deposits to total assets | 93.5919% | 18 |
| Equity capital to assets | 6.0061% | 4,888 |
| Core capital (leverage) ratio | 6.1438% | 4,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0661% | 2,686 |
| Memoranda: |
| Average total assets | $192,641,750 | 3,154 |
| Average earning assets | $171,295,500 | 3,202 |
| Average equity | $11,939,750 | 3,991 |
| Average total loans | $92,084,250 | 3,349 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7666% | 2,152 |
| Cost of funding earning assets | 0.1106% | 4,503 |
| Net interest margin | 3.6560% | 1,453 |
| Noninterest income to average assets | 0.7078% | 1,779 |
| Noninterest expense to average assets | 3.6910% | 372 |
| Loan and lease loss provision to assets | 0.0633% | 1,777 |
| Net operating income to assets | 0.0354% | 4,760 |
| Return on assets (ROA) | 0.0021% | 4,783 |
| Pretax return on assets | 0.1540% | 4,697 |
| Return on Equity (ROE) | 0.0337% | 4,779 |
| Retained earnings to average equity (ytd only) | 0.0337% | 4,504 |
| Net charge-offs to loans | -0.0602% | 4,445 |
| Credit loss provision to net charge-offs | -214.2857% | 3,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6035% | 280 |
| Assets per employee ($millions) | 5.7379% | 2,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9673% | 3,939 |
| Loan loss allowance to noncurrent loans | 29.4634% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 1.5906% | 336 |
| Noncurrent loans to loans | 3.2830% | 202 |
| Net loans and leases to total assets | 47.5465% | 3,772 |
| Net loans and leases to deposits | 50.7854% | 4,061 |
| Net loans and leases to core deposits | 51.8937% | 4,141 |
| Total domestic deposits to total assets | 93.6224% | 15 |
| Equity capital to assets | 5.9798% | 4,920 |
| Core capital (leverage) ratio | 6.3171% | 4,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1684% | 2,659 |
| Memoranda: |
| Average total assets | $189,596,667 | 3,178 |
| Average earning assets | $168,162,667 | 3,241 |
| Average equity | $11,858,333 | 4,004 |
| Average total loans | $93,070,667 | 3,353 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8264% | 2,023 |
| Cost of funding earning assets | 0.1130% | 4,565 |
| Net interest margin | 3.7134% | 1,303 |
| Noninterest income to average assets | 0.7493% | 1,715 |
| Noninterest expense to average assets | 3.1426% | 786 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7056% | 3,690 |
| Return on assets (ROA) | 0.6379% | 3,911 |
| Pretax return on assets | 0.8285% | 3,762 |
| Return on Equity (ROE) | 9.9441% | 2,703 |
| Retained earnings to average equity (ytd only) | 9.9441% | 1,659 |
| Net charge-offs to loans | 0.2587% | 330 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 7.1167% | 1,629 |
| Efficiency ratio | 76.6755% | 1,068 |
| Assets per employee ($millions) | 4.8204% | 3,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8034% | 4,403 |
| Loan loss allowance to noncurrent loans | 82.0346% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 0.4937% | 1,911 |
| Noncurrent loans to loans | 0.9794% | 1,382 |
| Net loans and leases to total assets | 48.5377% | 3,758 |
| Net loans and leases to deposits | 51.9100% | 4,051 |
| Net loans and leases to core deposits | 53.1348% | 4,138 |
| Total domestic deposits to total assets | 93.5037% | 18 |
| Equity capital to assets | 6.0809% | 4,933 |
| Core capital (leverage) ratio | 6.1233% | 4,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7184% | 2,975 |
| Memoranda: |
| Average total assets | $186,850,500 | 3,187 |
| Average earning assets | $166,423,000 | 3,247 |
| Average equity | $11,987,000 | 4,003 |
| Average total loans | $92,774,000 | 3,368 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9241% | 2,959 |
| Cost of funding earning assets | 0.1179% | 4,821 |
| Net interest margin | 3.8062% | 1,484 |
| Noninterest income to average assets | 0.6568% | 1,995 |
| Noninterest expense to average assets | 3.6385% | 574 |
| Loan and lease loss provision to assets | 0.2489% | 1,548 |
| Net operating income to assets | 0.1915% | 4,584 |
| Return on assets (ROA) | 0.4254% | 4,274 |
| Pretax return on assets | 0.5515% | 4,174 |
| Return on Equity (ROE) | 5.4600% | 3,762 |
| Retained earnings to average equity (ytd only) | 4.5141% | 2,524 |
| Net charge-offs to loans | 0.2617% | 664 |
| Credit loss provision to net charge-offs | 185.9903% | 2,232 |
| Earnings coverage of net charge-offs (x) | 3.7681% | 3,055 |
| Efficiency ratio | 86.8602% | 494 |
| Assets per employee ($millions) | 4.8888% | 3,517 |
| Cash dividends to net income (ytd only)* | 17.3252% | 3,344 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8969% | 4,190 |
| Loan loss allowance to noncurrent loans | 32.7987% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 1.3832% | 564 |
| Noncurrent loans to loans | 2.7346% | 343 |
| Net loans and leases to total assets | 49.9674% | 3,827 |
| Net loans and leases to deposits | 53.8164% | 4,121 |
| Net loans and leases to core deposits | 55.1785% | 4,198 |
| Total domestic deposits to total assets | 92.8479% | 17 |
| Equity capital to assets | 6.7717% | 4,937 |
| Core capital (leverage) ratio | 7.1541% | 4,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1736% | 2,562 |
| Memoranda: |
| Average total assets | $154,680,400 | 3,347 |
| Average earning assets | $141,663,000 | 3,362 |
| Average equity | $12,051,200 | 3,968 |
| Average total loans | $79,089,600 | 3,569 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1884% | 2,427 |
| Cost of funding earning assets | 0.1195% | 4,881 |
| Net interest margin | 4.0689% | 954 |
| Noninterest income to average assets | 0.6544% | 1,967 |
| Noninterest expense to average assets | 3.6967% | 533 |
| Loan and lease loss provision to assets | 0.3463% | 1,102 |
| Net operating income to assets | 0.2560% | 4,515 |
| Return on assets (ROA) | 0.5590% | 3,973 |
| Pretax return on assets | 0.7327% | 3,818 |
| Return on Equity (ROE) | 6.8988% | 3,236 |
| Retained earnings to average equity (ytd only) | 5.6324% | 2,275 |
| Net charge-offs to loans | 0.3558% | 447 |
| Credit loss provision to net charge-offs | 189.6552% | 2,149 |
| Earnings coverage of net charge-offs (x) | 3.8079% | 2,881 |
| Efficiency ratio | 83.2172% | 658 |
| Assets per employee ($millions) | 5.0261% | 3,219 |
| Cash dividends to net income (ytd only)* | 18.3575% | 2,865 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9292% | 3,980 |
| Loan loss allowance to noncurrent loans | 33.0785% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 1.5500% | 541 |
| Noncurrent loans to loans | 2.8091% | 350 |
| Net loans and leases to total assets | 54.4900% | 3,757 |
| Net loans and leases to deposits | 59.3531% | 4,104 |
| Net loans and leases to core deposits | 60.4887% | 4,177 |
| Total domestic deposits to total assets | 91.8065% | 68 |
| Equity capital to assets | 7.6339% | 4,826 |
| Core capital (leverage) ratio | 7.8963% | 4,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8488% | 1,548 |
| Memoranda: |
| Average total assets | $148,129,500 | 3,414 |
| Average earning assets | $136,087,000 | 3,410 |
| Average equity | $12,001,750 | 3,978 |
| Average total loans | $76,061,750 | 3,640 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3987% | 2,216 |
| Cost of funding earning assets | 0.1304% | 4,925 |
| Net interest margin | 4.2683% | 801 |
| Noninterest income to average assets | 0.6477% | 1,939 |
| Noninterest expense to average assets | 3.7833% | 513 |
| Loan and lease loss provision to assets | 0.5351% | 640 |
| Net operating income to assets | 0.1647% | 4,618 |
| Return on assets (ROA) | 0.5907% | 3,854 |
| Pretax return on assets | 0.7811% | 3,644 |
| Return on Equity (ROE) | 7.1371% | 3,077 |
| Retained earnings to average equity (ytd only) | 5.2226% | 2,379 |
| Net charge-offs to loans | 0.4810% | 333 |
| Credit loss provision to net charge-offs | 222.5434% | 1,833 |
| Earnings coverage of net charge-offs (x) | 3.2312% | 2,696 |
| Efficiency ratio | 82.0177% | 755 |
| Assets per employee ($millions) | 4.3453% | 3,964 |
| Cash dividends to net income (ytd only)* | 26.8235% | 2,488 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0916% | 3,113 |
| Loan loss allowance to noncurrent loans | 36.9952% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 1.5413% | 597 |
| Noncurrent loans to loans | 2.9505% | 332 |
| Net loans and leases to total assets | 48.0181% | 4,252 |
| Net loans and leases to deposits | 52.2574% | 4,436 |
| Net loans and leases to core deposits | 53.2541% | 4,519 |
| Total domestic deposits to total assets | 91.8875% | 55 |
| Equity capital to assets | 7.5154% | 4,870 |
| Core capital (leverage) ratio | 7.7092% | 4,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9876% | 1,488 |
| Memoranda: |
| Average total assets | $143,894,333 | 3,441 |
| Average earning assets | $131,901,667 | 3,451 |
| Average equity | $11,909,667 | 3,993 |
| Average total loans | $71,928,667 | 3,719 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0635% | 3,621 |
| Cost of funding earning assets | 0.1530% | 4,962 |
| Net interest margin | 3.9104% | 1,643 |
| Noninterest income to average assets | 0.6822% | 1,719 |
| Noninterest expense to average assets | 4.0221% | 496 |
| Loan and lease loss provision to assets | 0.3396% | 905 |
| Net operating income to assets | -0.1319% | 4,814 |
| Return on assets (ROA) | 0.5493% | 3,804 |
| Pretax return on assets | 0.7294% | 3,599 |
| Return on Equity (ROE) | 6.2928% | 3,209 |
| Retained earnings to average equity (ytd only) | 4.1952% | 2,604 |
| Net charge-offs to loans | 0.3892% | 370 |
| Credit loss provision to net charge-offs | 171.6418% | 1,503 |
| Earnings coverage of net charge-offs (x) | 1.0448% | 2,423 |
| Efficiency ratio | 95.1117% | 345 |
| Assets per employee ($millions) | 3.7975% | 4,172 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,064 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9545% | 3,915 |
| Loan loss allowance to noncurrent loans | 25.9036% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 2.0148% | 410 |
| Noncurrent loans to loans | 3.6848% | 240 |
| Net loans and leases to total assets | 50.8088% | 4,194 |
| Net loans and leases to deposits | 55.8349% | 4,374 |
| Net loans and leases to core deposits | 57.1906% | 4,452 |
| Total domestic deposits to total assets | 90.9984% | 107 |
| Equity capital to assets | 8.4991% | 4,834 |
| Core capital (leverage) ratio | 8.4330% | 4,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0602% | 1,335 |
| Memoranda: |
| Average total assets | $135,453,000 | 3,510 |
| Average earning assets | $122,851,000 | 3,540 |
| Average equity | $11,823,000 | 4,018 |
| Average total loans | $68,866,000 | 3,782 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3641% | 3,348 |
| Cost of funding earning assets | 0.1247% | 5,073 |
| Net interest margin | 4.2394% | 1,233 |
| Noninterest income to average assets | 0.8870% | 1,199 |
| Noninterest expense to average assets | 3.9774% | 543 |
| Loan and lease loss provision to assets | 0.1020% | 2,024 |
| Net operating income to assets | 0.4855% | 4,436 |
| Return on assets (ROA) | 0.7684% | 3,728 |
| Pretax return on assets | 1.0178% | 3,424 |
| Return on Equity (ROE) | 8.8682% | 2,809 |
| Retained earnings to average equity (ytd only) | 1.0813% | 4,360 |
| Net charge-offs to loans | 0.1823% | 1,099 |
| Credit loss provision to net charge-offs | 118.4211% | 2,139 |
| Earnings coverage of net charge-offs (x) | 8.8421% | 2,726 |
| Efficiency ratio | 83.9286% | 656 |
| Assets per employee ($millions) | 3.9514% | 3,969 |
| Cash dividends to net income (ytd only)* | 87.8073% | 573 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9763% | 3,623 |
| Loan loss allowance to noncurrent loans | 44.9194% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.2286% | 944 |
| Noncurrent loans to loans | 2.1735% | 573 |
| Net loans and leases to total assets | 49.8570% | 4,331 |
| Net loans and leases to deposits | 54.9756% | 4,502 |
| Net loans and leases to core deposits | 56.2801% | 4,571 |
| Total domestic deposits to total assets | 90.6892% | 165 |
| Equity capital to assets | 8.9757% | 4,694 |
| Core capital (leverage) ratio | 8.8650% | 4,628 |
| Tier 1 risk-based capital ratio | 17.5802% | 1,869 |
| Total risk-based capital ratio | 18.5835% | 1,900 |
| Memoranda: |
| Average total assets | $132,349,200 | 3,534 |
| Average earning assets | $120,253,000 | 3,556 |
| Average equity | $11,468,000 | 4,058 |
| Average total loans | $62,530,400 | 3,937 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3056% | 3,640 |
| Cost of funding earning assets | 0.1278% | 5,148 |
| Net interest margin | 4.1778% | 1,422 |
| Noninterest income to average assets | 0.8672% | 1,220 |
| Noninterest expense to average assets | 4.0168% | 520 |
| Loan and lease loss provision to assets | 0.0753% | 2,383 |
| Net operating income to assets | 0.4371% | 4,644 |
| Return on assets (ROA) | 0.4467% | 4,661 |
| Pretax return on assets | 0.5932% | 4,554 |
| Return on Equity (ROE) | 5.2005% | 4,277 |
| Retained earnings to average equity (ytd only) | -4.6395% | 5,049 |
| Net charge-offs to loans | 0.1576% | 1,051 |
| Credit loss provision to net charge-offs | 102.7397% | 2,195 |
| Earnings coverage of net charge-offs (x) | 8.9590% | 2,606 |
| Efficiency ratio | 85.9536% | 506 |
| Assets per employee ($millions) | 3.2265% | 4,728 |
| Cash dividends to net income (ytd only)* | 189.2132% | 75 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9529% | 3,816 |
| Loan loss allowance to noncurrent loans | 41.9703% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 1.1841% | 1,076 |
| Noncurrent loans to loans | 2.2703% | 541 |
| Net loans and leases to total assets | 51.3812% | 4,346 |
| Net loans and leases to deposits | 56.6434% | 4,530 |
| Net loans and leases to core deposits | 57.8879% | 4,613 |
| Total domestic deposits to total assets | 90.7100% | 135 |
| Equity capital to assets | 8.8498% | 4,849 |
| Core capital (leverage) ratio | 8.4768% | 4,956 |
| Tier 1 risk-based capital ratio | 14.9021% | 2,899 |
| Total risk-based capital ratio | 15.7786% | 2,990 |
| Memoranda: |
| Average total assets | $132,837,250 | 3,563 |
| Average earning assets | $121,017,500 | 3,589 |
| Average equity | $11,409,000 | 4,107 |
| Average total loans | $61,749,750 | 3,993 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1752% | 3,982 |
| Cost of funding earning assets | 0.1361% | 5,187 |
| Net interest margin | 4.0390% | 1,799 |
| Noninterest income to average assets | 0.8182% | 1,291 |
| Noninterest expense to average assets | 3.9387% | 581 |
| Loan and lease loss provision to assets | 0.0814% | 2,212 |
| Net operating income to assets | 0.3570% | 4,793 |
| Return on assets (ROA) | 0.3699% | 4,796 |
| Pretax return on assets | 0.5016% | 4,700 |
| Return on Equity (ROE) | 4.3478% | 4,513 |
| Retained earnings to average equity (ytd only) | 3.1130% | 3,663 |
| Net charge-offs to loans | 0.1981% | 835 |
| Credit loss provision to net charge-offs | 91.6667% | 2,118 |
| Earnings coverage of net charge-offs (x) | 6.3833% | 2,575 |
| Efficiency ratio | 87.4220% | 466 |
| Assets per employee ($millions) | 3.4618% | 4,542 |
| Cash dividends to net income (ytd only)* | 28.4000% | 2,695 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9766% | 3,757 |
| Loan loss allowance to noncurrent loans | 45.4815% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 1.4310% | 803 |
| Noncurrent loans to loans | 2.1472% | 637 |
| Net loans and leases to total assets | 48.6072% | 4,543 |
| Net loans and leases to deposits | 53.6433% | 4,694 |
| Net loans and leases to core deposits | 54.8001% | 4,755 |
| Total domestic deposits to total assets | 90.6119% | 171 |
| Equity capital to assets | 9.1273% | 4,715 |
| Core capital (leverage) ratio | 8.9141% | 4,701 |
| Tier 1 risk-based capital ratio | 15.8377% | 2,483 |
| Total risk-based capital ratio | 16.7047% | 2,562 |
| Memoranda: |
| Average total assets | $135,171,670 | 3,553 |
| Average earning assets | $123,396,670 | 3,570 |
| Average equity | $11,500,000 | 4,111 |
| Average total loans | $60,574,000 | 4,040 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0518% | 4,257 |
| Cost of funding earning assets | 0.1326% | 5,236 |
| Net interest margin | 3.9191% | 2,134 |
| Noninterest income to average assets | 0.7065% | 1,588 |
| Noninterest expense to average assets | 3.7024% | 752 |
| Loan and lease loss provision to assets | 0.1009% | 1,746 |
| Net operating income to assets | 0.3633% | 4,807 |
| Return on assets (ROA) | 0.3633% | 4,816 |
| Pretax return on assets | 0.4815% | 4,725 |
| Return on Equity (ROE) | 4.4170% | 4,489 |
| Retained earnings to average equity (ytd only) | 1.9280% | 4,085 |
| Net charge-offs to loans | 0.5520% | 272 |
| Credit loss provision to net charge-offs | 42.6829% | 2,012 |
| Earnings coverage of net charge-offs (x) | 2.4634% | 2,493 |
| Efficiency ratio | 86.4065% | 559 |
| Assets per employee ($millions) | 4.0804% | 3,806 |
| Cash dividends to net income (ytd only)* | 56.3492% | 1,450 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9620% | 3,918 |
| Loan loss allowance to noncurrent loans | 44.2813% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.2443% | 1,069 |
| Noncurrent loans to loans | 2.1724% | 659 |
| Net loans and leases to total assets | 41.3066% | 4,854 |
| Net loans and leases to deposits | 45.0279% | 4,957 |
| Net loans and leases to core deposits | 45.8828% | 4,991 |
| Total domestic deposits to total assets | 91.7355% | 74 |
| Equity capital to assets | 8.1056% | 5,150 |
| Core capital (leverage) ratio | 7.9469% | 5,219 |
| Tier 1 risk-based capital ratio | 15.5093% | 2,647 |
| Total risk-based capital ratio | 16.3260% | 2,770 |
| Memoranda: |
| Average total assets | $138,719,500 | 3,549 |
| Average earning assets | $126,661,000 | 3,563 |
| Average equity | $11,410,500 | 4,141 |
| Average total loans | $59,424,000 | 4,106 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4391% | 2,639 |
| Cost of funding earning assets | 0.1326% | 5,221 |
| Net interest margin | 4.3065% | 1,135 |
| Noninterest income to average assets | 0.8508% | 1,306 |
| Noninterest expense to average assets | 4.0725% | 486 |
| Loan and lease loss provision to assets | 0.1026% | 2,143 |
| Net operating income to assets | 0.6242% | 4,347 |
| Return on assets (ROA) | 0.6242% | 4,359 |
| Pretax return on assets | 0.6182% | 4,600 |
| Return on Equity (ROE) | 7.5166% | 3,655 |
| Retained earnings to average equity (ytd only) | 7.0327% | 1,656 |
| Net charge-offs to loans | 0.1305% | 1,446 |
| Credit loss provision to net charge-offs | 164.3836% | 1,692 |
| Earnings coverage of net charge-offs (x) | 11.5479% | 2,617 |
| Efficiency ratio | 84.9625% | 583 |
| Assets per employee ($millions) | 3.9595% | 3,946 |
| Cash dividends to net income (ytd only)* | 6.4384% | 3,912 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0441% | 3,425 |
| Loan loss allowance to noncurrent loans | 30.5076% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 1.5131% | 777 |
| Noncurrent loans to loans | 3.4226% | 267 |
| Net loans and leases to total assets | 43.5762% | 4,830 |
| Net loans and leases to deposits | 47.5833% | 4,940 |
| Net loans and leases to core deposits | 48.5408% | 4,978 |
| Total domestic deposits to total assets | 91.5788% | 104 |
| Equity capital to assets | 8.3529% | 5,018 |
| Core capital (leverage) ratio | 8.4269% | 5,059 |
| Tier 1 risk-based capital ratio | 16.0438% | 2,391 |
| Total risk-based capital ratio | 16.9429% | 2,463 |
| Memoranda: |
| Average total assets | $116,954,800 | 3,839 |
| Average earning assets | $107,070,400 | 3,854 |
| Average equity | $9,711,800 | 4,345 |
| Average total loans | $55,918,200 | 4,188 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3469% | 2,800 |
| Cost of funding earning assets | 0.1291% | 5,280 |
| Net interest margin | 4.2178% | 1,308 |
| Noninterest income to average assets | 0.7760% | 1,555 |
| Noninterest expense to average assets | 4.0708% | 477 |
| Loan and lease loss provision to assets | 0.0948% | 2,080 |
| Net operating income to assets | 0.6256% | 4,434 |
| Return on assets (ROA) | 0.6256% | 4,448 |
| Pretax return on assets | 0.4822% | 4,926 |
| Return on Equity (ROE) | 7.5466% | 3,729 |
| Retained earnings to average equity (ytd only) | 6.8748% | 2,193 |
| Net charge-offs to loans | 0.1525% | 1,080 |
| Credit loss provision to net charge-offs | 126.9841% | 1,925 |
| Earnings coverage of net charge-offs (x) | 7.7300% | 2,780 |
| Efficiency ratio | 87.5860% | 428 |
| Assets per employee ($millions) | 3.9358% | 3,991 |
| Cash dividends to net income (ytd only)* | 8.9022% | 3,418 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0231% | 3,627 |
| Loan loss allowance to noncurrent loans | 21.3357% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 2.0767% | 503 |
| Noncurrent loans to loans | 4.7950% | 133 |
| Net loans and leases to total assets | 42.7278% | 4,924 |
| Net loans and leases to deposits | 46.6793% | 5,039 |
| Net loans and leases to core deposits | 47.7338% | 5,074 |
| Total domestic deposits to total assets | 91.5347% | 126 |
| Equity capital to assets | 8.1455% | 5,113 |
| Core capital (leverage) ratio | 8.9309% | 4,765 |
| Tier 1 risk-based capital ratio | 17.1725% | 2,031 |
| Total risk-based capital ratio | 18.0604% | 2,114 |
| Memoranda: |
| Average total assets | $112,537,500 | 3,946 |
| Average earning assets | $103,305,250 | 3,968 |
| Average equity | $9,328,500 | 4,454 |
| Average total loans | $55,077,000 | 4,250 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4032% | 2,404 |
| Cost of funding earning assets | 0.1198% | 5,344 |
| Net interest margin | 4.2834% | 1,067 |
| Noninterest income to average assets | 0.8744% | 1,257 |
| Noninterest expense to average assets | 4.3018% | 362 |
| Loan and lease loss provision to assets | 0.0664% | 2,568 |
| Net operating income to assets | 0.7492% | 4,032 |
| Return on assets (ROA) | 0.7492% | 4,035 |
| Pretax return on assets | 0.4400% | 5,001 |
| Return on Equity (ROE) | 8.9725% | 3,031 |
| Retained earnings to average equity (ytd only) | 7.9049% | 1,668 |
| Net charge-offs to loans | 0.1920% | 815 |
| Credit loss provision to net charge-offs | 67.3077% | 2,376 |
| Earnings coverage of net charge-offs (x) | 5.1346% | 2,734 |
| Efficiency ratio | 89.4675% | 391 |
| Assets per employee ($millions) | 3.6134% | 4,453 |
| Cash dividends to net income (ytd only)* | 11.8987% | 3,252 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9692% | 4,013 |
| Loan loss allowance to noncurrent loans | 52.5024% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 0.9871% | 1,524 |
| Noncurrent loans to loans | 1.8461% | 840 |
| Net loans and leases to total assets | 52.4049% | 4,450 |
| Net loans and leases to deposits | 57.2159% | 4,686 |
| Net loans and leases to core deposits | 58.4908% | 4,772 |
| Total domestic deposits to total assets | 91.5915% | 137 |
| Equity capital to assets | 8.1622% | 5,161 |
| Core capital (leverage) ratio | 8.9555% | 4,725 |
| Tier 1 risk-based capital ratio | 15.1758% | 2,789 |
| Total risk-based capital ratio | 16.0834% | 2,881 |
| Memoranda: |
| Average total assets | $105,444,330 | 4,084 |
| Average earning assets | $96,839,670 | 4,101 |
| Average equity | $8,804,670 | 4,561 |
| Average total loans | $54,180,000 | 4,301 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3208% | 2,449 |
| Cost of funding earning assets | 0.1214% | 5,385 |
| Net interest margin | 4.1994% | 1,178 |
| Noninterest income to average assets | 0.9157% | 1,114 |
| Noninterest expense to average assets | 3.8974% | 593 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5043% | 1,069 |
| Return on assets (ROA) | 1.5043% | 1,071 |
| Pretax return on assets | 0.8772% | 3,919 |
| Return on Equity (ROE) | 17.8071% | 431 |
| Retained earnings to average equity (ytd only) | 17.8071% | 162 |
| Net charge-offs to loans | 0.2814% | 548 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 6.1622% | 2,176 |
| Efficiency ratio | 81.6277% | 989 |
| Assets per employee ($millions) | 3.4853% | 4,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0048% | 3,922 |
| Loan loss allowance to noncurrent loans | 62.1810% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 0.8349% | 1,897 |
| Noncurrent loans to loans | 1.6159% | 1,075 |
| Net loans and leases to total assets | 50.5069% | 4,524 |
| Net loans and leases to deposits | 55.4128% | 4,724 |
| Net loans and leases to core deposits | 56.8499% | 4,801 |
| Total domestic deposits to total assets | 91.1465% | 274 |
| Equity capital to assets | 8.5254% | 4,949 |
| Core capital (leverage) ratio | 9.2505% | 4,379 |
| Tier 1 risk-based capital ratio | 16.6456% | 2,229 |
| Total risk-based capital ratio | 17.6007% | 2,281 |
| Memoranda: |
| Average total assets | $103,965,500 | 4,163 |
| Average earning assets | $95,537,000 | 4,165 |
| Average equity | $8,783,000 | 4,612 |
| Average total loans | $52,588,000 | 4,376 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0996% | 3,059 |
| Cost of funding earning assets | 0.1099% | 5,461 |
| Net interest margin | 3.9897% | 1,778 |
| Noninterest income to average assets | 0.9615% | 1,112 |
| Noninterest expense to average assets | 3.8924% | 619 |
| Loan and lease loss provision to assets | 0.1606% | 1,395 |
| Net operating income to assets | 0.5892% | 4,056 |
| Return on assets (ROA) | 0.5992% | 4,057 |
| Pretax return on assets | 0.5992% | 4,741 |
| Return on Equity (ROE) | 7.0034% | 3,277 |
| Retained earnings to average equity (ytd only) | 4.0355% | 2,763 |
| Net charge-offs to loans | 0.2894% | 909 |
| Credit loss provision to net charge-offs | 115.9420% | 2,258 |
| Earnings coverage of net charge-offs (x) | 5.4130% | 3,332 |
| Efficiency ratio | 83.8486% | 781 |
| Assets per employee ($millions) | 3.4458% | 4,771 |
| Cash dividends to net income (ytd only)* | 42.3786% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1055% | 3,328 |
| Loan loss allowance to noncurrent loans | 70.3931% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 0.7981% | 1,953 |
| Noncurrent loans to loans | 1.5705% | 1,071 |
| Net loans and leases to total assets | 49.5855% | 4,673 |
| Net loans and leases to deposits | 54.2545% | 4,879 |
| Net loans and leases to core deposits | 55.6698% | 4,948 |
| Total domestic deposits to total assets | 91.3943% | 159 |
| Equity capital to assets | 8.3697% | 5,217 |
| Core capital (leverage) ratio | 8.4764% | 5,160 |
| Tier 1 risk-based capital ratio | 16.1623% | 2,376 |
| Total risk-based capital ratio | 17.2340% | 2,377 |
| Memoranda: |
| Average total assets | $99,631,200 | 4,245 |
| Average earning assets | $91,911,600 | 4,242 |
| Average equity | $8,524,400 | 4,703 |
| Average total loans | $47,691,400 | 4,521 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0610% | 3,134 |
| Cost of funding earning assets | 0.1053% | 5,540 |
| Net interest margin | 3.9557% | 1,844 |
| Noninterest income to average assets | 0.9646% | 1,107 |
| Noninterest expense to average assets | 3.9433% | 560 |
| Loan and lease loss provision to assets | 0.1567% | 1,319 |
| Net operating income to assets | 0.5188% | 4,683 |
| Return on assets (ROA) | 0.5323% | 4,677 |
| Pretax return on assets | 0.5323% | 4,969 |
| Return on Equity (ROE) | 6.1857% | 4,039 |
| Retained earnings to average equity (ytd only) | 3.0457% | 4,093 |
| Net charge-offs to loans | 0.4029% | 528 |
| Credit loss provision to net charge-offs | 82.2695% | 2,550 |
| Earnings coverage of net charge-offs (x) | 3.5460% | 3,330 |
| Efficiency ratio | 85.3758% | 660 |
| Assets per employee ($millions) | 3.4823% | 4,749 |
| Cash dividends to net income (ytd only)* | 50.7614% | 1,726 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0467% | 3,810 |
| Loan loss allowance to noncurrent loans | 56.8035% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 0.8969% | 1,905 |
| Noncurrent loans to loans | 1.8426% | 958 |
| Net loans and leases to total assets | 47.6007% | 4,852 |
| Net loans and leases to deposits | 52.0958% | 5,050 |
| Net loans and leases to core deposits | 53.2055% | 5,096 |
| Total domestic deposits to total assets | 91.3716% | 120 |
| Equity capital to assets | 8.2943% | 5,395 |
| Core capital (leverage) ratio | 8.5706% | 5,189 |
| Tier 1 risk-based capital ratio | 17.1910% | 2,100 |
| Total risk-based capital ratio | 18.2358% | 2,115 |
| Memoranda: |
| Average total assets | $98,695,750 | 4,303 |
| Average earning assets | $91,174,250 | 4,304 |
| Average equity | $8,492,500 | 4,752 |
| Average total loans | $46,656,500 | 4,589 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0047% | 3,189 |
| Cost of funding earning assets | 0.0988% | 5,601 |
| Net interest margin | 3.9058% | 1,908 |
| Noninterest income to average assets | 0.9693% | 1,091 |
| Noninterest expense to average assets | 3.8544% | 627 |
| Loan and lease loss provision to assets | 0.1674% | 1,179 |
| Net operating income to assets | 0.5415% | 4,564 |
| Return on assets (ROA) | 0.5415% | 4,601 |
| Pretax return on assets | 0.5415% | 4,926 |
| Return on Equity (ROE) | 6.2122% | 3,951 |
| Retained earnings to average equity (ytd only) | 3.4143% | 3,677 |
| Net charge-offs to loans | 0.1540% | 1,233 |
| Credit loss provision to net charge-offs | 231.4286% | 1,134 |
| Earnings coverage of net charge-offs (x) | 9.8000% | 2,394 |
| Efficiency ratio | 84.4656% | 803 |
| Assets per employee ($millions) | 3.3561% | 4,913 |
| Cash dividends to net income (ytd only)* | 45.0382% | 2,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1838% | 3,115 |
| Loan loss allowance to noncurrent loans | 77.3609% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 0.7787% | 2,261 |
| Noncurrent loans to loans | 1.5302% | 1,224 |
| Net loans and leases to total assets | 49.5804% | 4,733 |
| Net loans and leases to deposits | 54.4189% | 4,940 |
| Net loans and leases to core deposits | 54.7267% | 5,060 |
| Total domestic deposits to total assets | 91.1087% | 198 |
| Equity capital to assets | 8.5804% | 5,241 |
| Core capital (leverage) ratio | 8.7435% | 5,011 |
| Tier 1 risk-based capital ratio | 16.5176% | 2,316 |
| Total risk-based capital ratio | 17.6755% | 2,300 |
| Memoranda: |
| Average total assets | $96,771,330 | 4,364 |
| Average earning assets | $89,046,000 | 4,377 |
| Average equity | $8,435,000 | 4,779 |
| Average total loans | $45,457,330 | 4,651 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8598% | 3,552 |
| Cost of funding earning assets | 0.0959% | 5,669 |
| Net interest margin | 3.7639% | 2,250 |
| Noninterest income to average assets | 0.9914% | 1,021 |
| Noninterest expense to average assets | 4.0204% | 526 |
| Loan and lease loss provision to assets | 0.0759% | 2,292 |
| Net operating income to assets | 0.3712% | 5,019 |
| Return on assets (ROA) | 0.3712% | 5,041 |
| Pretax return on assets | 0.3712% | 5,209 |
| Return on Equity (ROE) | 4.2242% | 4,697 |
| Retained earnings to average equity (ytd only) | -1.4401% | 5,120 |
| Net charge-offs to loans | -0.0373% | 5,038 |
| Credit loss provision to net charge-offs | -450.0000% | 4,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9906% | 557 |
| Assets per employee ($millions) | 3.2700% | 5,076 |
| Cash dividends to net income (ytd only)* | 134.0909% | 460 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3128% | 2,473 |
| Loan loss allowance to noncurrent loans | 61.6541% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 0.9603% | 1,916 |
| Noncurrent loans to loans | 2.1294% | 816 |
| Net loans and leases to total assets | 43.9841% | 5,042 |
| Net loans and leases to deposits | 48.2079% | 5,210 |
| Net loans and leases to core deposits | 48.4869% | 5,281 |
| Total domestic deposits to total assets | 91.2384% | 229 |
| Equity capital to assets | 8.4904% | 5,247 |
| Core capital (leverage) ratio | 8.7388% | 5,010 |
| Tier 1 risk-based capital ratio | 17.2938% | 2,098 |
| Total risk-based capital ratio | 18.5218% | 2,052 |
| Memoranda: |
| Average total assets | $94,815,500 | 4,444 |
| Average earning assets | $87,569,000 | 4,451 |
| Average equity | $8,333,000 | 4,836 |
| Average total loans | $42,927,500 | 4,754 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0516% | 3,013 |
| Cost of funding earning assets | 0.1123% | 5,648 |
| Net interest margin | 3.9393% | 1,821 |
| Noninterest income to average assets | 1.1090% | 936 |
| Noninterest expense to average assets | 4.1824% | 496 |
| Loan and lease loss provision to assets | 0.0794% | 2,779 |
| Net operating income to assets | 0.4633% | 4,757 |
| Return on assets (ROA) | 0.4952% | 4,725 |
| Pretax return on assets | 0.4952% | 5,033 |
| Return on Equity (ROE) | 5.0252% | 4,424 |
| Retained earnings to average equity (ytd only) | 4.9651% | 2,367 |
| Net charge-offs to loans | 0.3371% | 815 |
| Credit loss provision to net charge-offs | 51.9380% | 3,355 |
| Earnings coverage of net charge-offs (x) | 3.5504% | 3,645 |
| Efficiency ratio | 88.5155% | 639 |
| Assets per employee ($millions) | 3.1563% | 5,208 |
| Cash dividends to net income (ytd only)* | 1.1962% | 4,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3078% | 2,502 |
| Loan loss allowance to noncurrent loans | 67.8571% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 0.8980% | 2,115 |
| Noncurrent loans to loans | 1.9272% | 954 |
| Net loans and leases to total assets | 45.4289% | 5,046 |
| Net loans and leases to deposits | 50.1042% | 5,204 |
| Net loans and leases to core deposits | 50.4171% | 5,290 |
| Total domestic deposits to total assets | 90.6688% | 396 |
| Equity capital to assets | 9.1083% | 4,697 |
| Core capital (leverage) ratio | 9.1880% | 4,491 |
| Tier 1 risk-based capital ratio | 18.5957% | 1,701 |
| Total risk-based capital ratio | 19.8247% | 1,677 |
| Memoranda: |
| Average total assets | $84,402,000 | 4,639 |
| Average earning assets | $77,475,600 | 4,638 |
| Average equity | $8,318,000 | 4,880 |
| Average total loans | $38,270,000 | 4,937 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1143% | 2,824 |
| Cost of funding earning assets | 0.1111% | 5,717 |
| Net interest margin | 4.0032% | 1,639 |
| Noninterest income to average assets | 1.1296% | 901 |
| Noninterest expense to average assets | 4.2862% | 451 |
| Loan and lease loss provision to assets | 0.0307% | 3,623 |
| Net operating income to assets | 0.4777% | 4,776 |
| Return on assets (ROA) | 0.5213% | 4,716 |
| Pretax return on assets | 0.5213% | 5,074 |
| Return on Equity (ROE) | 5.1804% | 4,439 |
| Retained earnings to average equity (ytd only) | 5.1002% | 2,757 |
| Net charge-offs to loans | 0.4646% | 456 |
| Credit loss provision to net charge-offs | 14.6154% | 3,333 |
| Earnings coverage of net charge-offs (x) | 2.4231% | 3,575 |
| Efficiency ratio | 89.3975% | 597 |
| Assets per employee ($millions) | 3.0288% | 5,366 |
| Cash dividends to net income (ytd only)* | 1.5488% | 3,745 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2621% | 2,879 |
| Loan loss allowance to noncurrent loans | 60.2641% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 0.9322% | 2,237 |
| Noncurrent loans to loans | 2.0942% | 920 |
| Net loans and leases to total assets | 43.2228% | 5,244 |
| Net loans and leases to deposits | 47.8858% | 5,383 |
| Net loans and leases to core deposits | 48.1878% | 5,450 |
| Total domestic deposits to total assets | 90.2624% | 382 |
| Equity capital to assets | 9.4108% | 4,754 |
| Core capital (leverage) ratio | 9.7501% | 3,874 |
| Tier 1 risk-based capital ratio | 20.3281% | 1,387 |
| Total risk-based capital ratio | 21.5215% | 1,361 |
| Memoranda: |
| Average total assets | $82,619,500 | 4,713 |
| Average earning assets | $75,637,000 | 4,723 |
| Average equity | $8,313,250 | 4,933 |
| Average total loans | $37,304,250 | 5,015 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1970% | 2,517 |
| Cost of funding earning assets | 0.1095% | 5,809 |
| Net interest margin | 4.0875% | 1,397 |
| Noninterest income to average assets | 1.1644% | 825 |
| Noninterest expense to average assets | 4.3670% | 426 |
| Loan and lease loss provision to assets | 0.0476% | 3,196 |
| Net operating income to assets | 0.4883% | 4,727 |
| Return on assets (ROA) | 0.4883% | 4,827 |
| Pretax return on assets | 0.4883% | 5,154 |
| Return on Equity (ROE) | 4.7365% | 4,635 |
| Retained earnings to average equity (ytd only) | 4.6150% | 2,972 |
| Net charge-offs to loans | 0.7237% | 284 |
| Credit loss provision to net charge-offs | 14.3939% | 2,970 |
| Earnings coverage of net charge-offs (x) | 1.6212% | 3,379 |
| Efficiency ratio | 89.0705% | 650 |
| Assets per employee ($millions) | 2.8999% | 5,534 |
| Cash dividends to net income (ytd only)* | 2.5641% | 3,591 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2854% | 2,873 |
| Loan loss allowance to noncurrent loans | 56.2921% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 1.0403% | 2,044 |
| Noncurrent loans to loans | 2.2834% | 801 |
| Net loans and leases to total assets | 44.2273% | 5,216 |
| Net loans and leases to deposits | 49.1329% | 5,377 |
| Net loans and leases to core deposits | 49.4569% | 5,456 |
| Total domestic deposits to total assets | 90.0156% | 484 |
| Equity capital to assets | 9.6706% | 4,590 |
| Core capital (leverage) ratio | 9.8352% | 3,769 |
| Tier 1 risk-based capital ratio | 20.2318% | 1,405 |
| Total risk-based capital ratio | 21.4366% | 1,382 |
| Memoranda: |
| Average total assets | $79,871,330 | 4,819 |
| Average earning assets | $73,051,670 | 4,819 |
| Average equity | $8,234,000 | 4,987 |
| Average total loans | $36,480,330 | 5,089 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0287% | 3,120 |
| Cost of funding earning assets | 0.1089% | 5,876 |
| Net interest margin | 3.9198% | 1,884 |
| Noninterest income to average assets | 1.2161% | 731 |
| Noninterest expense to average assets | 4.4713% | 403 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3302% | 5,211 |
| Return on assets (ROA) | 0.3302% | 5,296 |
| Pretax return on assets | 0.3302% | 5,449 |
| Return on Equity (ROE) | 3.0941% | 5,201 |
| Retained earnings to average equity (ytd only) | 2.8485% | 4,086 |
| Net charge-offs to loans | 1.3851% | 137 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.5164% | 2,924 |
| Efficiency ratio | 93.1223% | 494 |
| Assets per employee ($millions) | 2.8633% | 5,630 |
| Cash dividends to net income (ytd only)* | 7.9365% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3657% | 2,580 |
| Loan loss allowance to noncurrent loans | 57.3598% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 1.0349% | 2,142 |
| Noncurrent loans to loans | 2.3810% | 819 |
| Net loans and leases to total assets | 41.2806% | 5,383 |
| Net loans and leases to deposits | 45.7891% | 5,512 |
| Net loans and leases to core deposits | 46.0945% | 5,585 |
| Total domestic deposits to total assets | 90.1537% | 538 |
| Equity capital to assets | 9.5832% | 4,578 |
| Core capital (leverage) ratio | 11.6314% | 1,885 |
| Tier 1 risk-based capital ratio | 21.4543% | 1,239 |
| Total risk-based capital ratio | 22.7052% | 1,218 |
| Memoranda: |
| Average total assets | $76,309,000 | 4,932 |
| Average earning assets | $69,800,000 | 4,932 |
| Average equity | $8,144,500 | 5,028 |
| Average total loans | $35,232,000 | 5,170 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4711% | 1,688 |
| Cost of funding earning assets | 0.1219% | 5,871 |
| Net interest margin | 4.3492% | 876 |
| Noninterest income to average assets | 1.6192% | 493 |
| Noninterest expense to average assets | 5.2506% | 232 |
| Loan and lease loss provision to assets | -0.2246% | 6,010 |
| Net operating income to assets | 0.5463% | 4,516 |
| Return on assets (ROA) | 0.5827% | 4,461 |
| Pretax return on assets | 0.5827% | 4,890 |
| Return on Equity (ROE) | 4.8059% | 4,601 |
| Retained earnings to average equity (ytd only) | 4.8059% | 2,564 |
| Net charge-offs to loans | -0.1016% | 5,779 |
| Credit loss provision to net charge-offs | 435.2941% | 709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2266% | 474 |
| Assets per employee ($millions) | 2.3006% | 5,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7761% | 1,178 |
| Loan loss allowance to noncurrent loans | 72.8894% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 1.3205% | 1,612 |
| Noncurrent loans to loans | 2.4368% | 773 |
| Net loans and leases to total assets | 50.8109% | 4,795 |
| Net loans and leases to deposits | 57.9497% | 4,913 |
| Net loans and leases to core deposits | 58.7654% | 5,059 |
| Total domestic deposits to total assets | 87.6810% | 1,803 |
| Equity capital to assets | 12.0762% | 1,902 |
| Core capital (leverage) ratio | 12.0300% | 1,601 |
| Tier 1 risk-based capital ratio | 23.1483% | 1,000 |
| Total risk-based capital ratio | 24.4038% | 985 |
| Memoranda: |
| Average total assets | $65,896,800 | 5,180 |
| Average earning assets | $59,895,800 | 5,192 |
| Average equity | $7,990,200 | 5,066 |
| Average total loans | $33,463,200 | 5,246 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3808% | 1,981 |
| Cost of funding earning assets | 0.1227% | 5,966 |
| Net interest margin | 4.2580% | 1,042 |
| Noninterest income to average assets | 1.5689% | 512 |
| Noninterest expense to average assets | 5.2730% | 233 |
| Loan and lease loss provision to assets | -0.5074% | 6,213 |
| Net operating income to assets | 0.6759% | 4,006 |
| Return on assets (ROA) | 0.7692% | 3,676 |
| Pretax return on assets | 0.7692% | 4,430 |
| Return on Equity (ROE) | 6.3375% | 3,990 |
| Retained earnings to average equity (ytd only) | 6.3375% | 2,046 |
| Net charge-offs to loans | -0.1245% | 5,867 |
| Credit loss provision to net charge-offs | 806.4516% | 438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9041% | 391 |
| Assets per employee ($millions) | 2.2632% | 6,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4957% | 2,175 |
| Loan loss allowance to noncurrent loans | 71.3483% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 1.2460% | 1,881 |
| Noncurrent loans to loans | 2.0963% | 1,081 |
| Net loans and leases to total assets | 49.2768% | 4,989 |
| Net loans and leases to deposits | 56.1849% | 5,112 |
| Net loans and leases to core deposits | 57.2237% | 5,241 |
| Total domestic deposits to total assets | 87.7047% | 1,702 |
| Equity capital to assets | 11.9845% | 2,122 |
| Core capital (leverage) ratio | 12.2454% | 1,545 |
| Tier 1 risk-based capital ratio | 26.6409% | 721 |
| Total risk-based capital ratio | 27.8969% | 698 |
| Memoranda: |
| Average total assets | $65,691,500 | 5,249 |
| Average earning assets | $59,744,250 | 5,258 |
| Average equity | $7,973,500 | 5,131 |
| Average total loans | $33,200,750 | 5,315 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4076% | 1,831 |
| Cost of funding earning assets | 0.1217% | 6,037 |
| Net interest margin | 4.2859% | 941 |
| Noninterest income to average assets | 1.4317% | 621 |
| Noninterest expense to average assets | 5.5576% | 214 |
| Loan and lease loss provision to assets | -0.7697% | 6,309 |
| Net operating income to assets | 0.5481% | 4,565 |
| Return on assets (ROA) | 0.6897% | 4,052 |
| Pretax return on assets | 0.6897% | 4,688 |
| Return on Equity (ROE) | 5.6573% | 4,297 |
| Retained earnings to average equity (ytd only) | 5.6573% | 2,431 |
| Net charge-offs to loans | -0.0364% | 5,410 |
| Credit loss provision to net charge-offs | 4,166.6667% | 103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1546% | 246 |
| Assets per employee ($millions) | 2.2619% | 6,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4191% | 2,665 |
| Loan loss allowance to noncurrent loans | 109.7727% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 1.3617% | 1,844 |
| Noncurrent loans to loans | 1.2927% | 2,084 |
| Net loans and leases to total assets | 49.4466% | 4,982 |
| Net loans and leases to deposits | 56.0749% | 5,113 |
| Net loans and leases to core deposits | 57.1057% | 5,246 |
| Total domestic deposits to total assets | 88.1796% | 1,561 |
| Equity capital to assets | 11.5920% | 2,337 |
| Core capital (leverage) ratio | 12.1526% | 1,560 |
| Tier 1 risk-based capital ratio | 22.5276% | 1,133 |
| Total risk-based capital ratio | 23.7785% | 1,113 |
| Memoranda: |
| Average total assets | $64,956,670 | 5,325 |
| Average earning assets | $59,170,330 | 5,328 |
| Average equity | $7,919,000 | 5,186 |
| Average total loans | $32,946,000 | 5,374 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3648% | 1,888 |
| Cost of funding earning assets | 0.1176% | 6,127 |
| Net interest margin | 4.2472% | 979 |
| Noninterest income to average assets | 1.4802% | 551 |
| Noninterest expense to average assets | 5.7380% | 203 |
| Loan and lease loss provision to assets | -1.5746% | 6,400 |
| Net operating income to assets | 1.1841% | 1,593 |
| Return on assets (ROA) | 1.3920% | 1,095 |
| Pretax return on assets | 1.3920% | 1,915 |
| Return on Equity (ROE) | 11.1258% | 1,600 |
| Retained earnings to average equity (ytd only) | 11.1258% | 698 |
| Net charge-offs to loans | -0.0247% | 5,145 |
| Credit loss provision to net charge-offs | 12,500.0000% | 21 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.3027% | 220 |
| Assets per employee ($millions) | 2.1984% | 6,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4574% | 2,638 |
| Loan loss allowance to noncurrent loans | 103.9046% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.4374% | 1,841 |
| Noncurrent loans to loans | 1.4027% | 2,046 |
| Net loans and leases to total assets | 49.1077% | 4,931 |
| Net loans and leases to deposits | 56.0901% | 5,041 |
| Net loans and leases to core deposits | 57.1582% | 5,178 |
| Total domestic deposits to total assets | 87.5514% | 2,071 |
| Equity capital to assets | 12.2242% | 1,872 |
| Core capital (leverage) ratio | 12.6493% | 1,289 |
| Tier 1 risk-based capital ratio | 22.9752% | 1,105 |
| Total risk-based capital ratio | 24.2254% | 1,089 |
| Memoranda: |
| Average total assets | $63,506,500 | 5,413 |
| Average earning assets | $57,826,500 | 5,426 |
| Average equity | $7,945,500 | 5,227 |
| Average total loans | $32,401,000 | 5,425 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3265% | 2,512 |
| Cost of funding earning assets | 0.1330% | 6,187 |
| Net interest margin | 4.1935% | 1,322 |
| Noninterest income to average assets | 1.4522% | 576 |
| Noninterest expense to average assets | 5.2222% | 271 |
| Loan and lease loss provision to assets | 0.0115% | 4,391 |
| Net operating income to assets | 0.0526% | 6,014 |
| Return on assets (ROA) | 0.0739% | 6,013 |
| Pretax return on assets | 0.0739% | 6,015 |
| Return on Equity (ROE) | 0.5843% | 6,026 |
| Retained earnings to average equity (ytd only) | 0.5194% | 5,537 |
| Net charge-offs to loans | -0.1000% | 6,109 |
| Credit loss provision to net charge-offs | -24.1379% | 5,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7881% | 392 |
| Assets per employee ($millions) | 2.0354% | 6,364 |
| Cash dividends to net income (ytd only)* | 11.1111% | 4,092 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2764% | 748 |
| Loan loss allowance to noncurrent loans | 167.5115% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 1.5083% | 1,805 |
| Noncurrent loans to loans | 1.3590% | 2,166 |
| Net loans and leases to total assets | 51.1103% | 4,863 |
| Net loans and leases to deposits | 58.7508% | 5,004 |
| Net loans and leases to core deposits | 59.9677% | 5,146 |
| Total domestic deposits to total assets | 86.9952% | 2,292 |
| Equity capital to assets | 12.8214% | 1,453 |
| Core capital (leverage) ratio | 12.5879% | 1,313 |
| Tier 1 risk-based capital ratio | 22.1237% | 1,204 |
| Total risk-based capital ratio | 23.3847% | 1,180 |
| Memoranda: |
| Average total assets | $60,875,200 | 5,527 |
| Average earning assets | $55,657,000 | 5,526 |
| Average equity | $7,701,400 | 5,270 |
| Average total loans | $29,002,400 | 5,604 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3378% | 2,466 |
| Cost of funding earning assets | 0.1316% | 6,280 |
| Net interest margin | 4.2062% | 1,272 |
| Noninterest income to average assets | 1.4554% | 592 |
| Noninterest expense to average assets | 5.1159% | 284 |
| Loan and lease loss provision to assets | 0.0153% | 4,102 |
| Net operating income to assets | 0.1775% | 5,888 |
| Return on assets (ROA) | 0.2060% | 5,889 |
| Pretax return on assets | 0.2060% | 5,941 |
| Return on Equity (ROE) | 1.6341% | 5,914 |
| Retained earnings to average equity (ytd only) | 1.5472% | 5,269 |
| Net charge-offs to loans | -0.1226% | 6,196 |
| Credit loss provision to net charge-offs | -26.9231% | 5,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3666% | 492 |
| Assets per employee ($millions) | 2.0802% | 6,423 |
| Cash dividends to net income (ytd only)* | 5.3220% | 3,704 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3261% | 802 |
| Loan loss allowance to noncurrent loans | 138.1679% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 1.6200% | 1,869 |
| Noncurrent loans to loans | 1.6835% | 1,935 |
| Net loans and leases to total assets | 48.7149% | 5,132 |
| Net loans and leases to deposits | 55.7172% | 5,260 |
| Net loans and leases to core deposits | 56.8381% | 5,402 |
| Total domestic deposits to total assets | 87.4323% | 2,074 |
| Equity capital to assets | 12.4139% | 1,760 |
| Core capital (leverage) ratio | 12.8570% | 1,246 |
| Tier 1 risk-based capital ratio | 23.7908% | 1,014 |
| Total risk-based capital ratio | 25.0538% | 995 |
| Memoranda: |
| Average total assets | $60,828,500 | 5,588 |
| Average earning assets | $55,725,250 | 5,591 |
| Average equity | $7,669,500 | 5,320 |
| Average total loans | $28,269,000 | 5,693 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3019% | 2,575 |
| Cost of funding earning assets | 0.1301% | 6,360 |
| Net interest margin | 4.1717% | 1,310 |
| Noninterest income to average assets | 1.4029% | 615 |
| Noninterest expense to average assets | 5.1208% | 289 |
| Loan and lease loss provision to assets | 0.0232% | 3,808 |
| Net operating income to assets | 0.0862% | 6,071 |
| Return on assets (ROA) | 0.0862% | 6,097 |
| Pretax return on assets | 0.0862% | 6,110 |
| Return on Equity (ROE) | 0.6803% | 6,109 |
| Retained earnings to average equity (ytd only) | 0.5495% | 5,518 |
| Net charge-offs to loans | -0.1391% | 6,239 |
| Credit loss provision to net charge-offs | -36.8421% | 5,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9074% | 472 |
| Assets per employee ($millions) | 2.1311% | 6,463 |
| Cash dividends to net income (ytd only)* | 19.2308% | 3,195 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4711% | 743 |
| Loan loss allowance to noncurrent loans | 133.5196% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 1.7233% | 1,893 |
| Noncurrent loans to loans | 1.8508% | 1,857 |
| Net loans and leases to total assets | 45.7889% | 5,383 |
| Net loans and leases to deposits | 52.4163% | 5,471 |
| Net loans and leases to core deposits | 53.4813% | 5,582 |
| Total domestic deposits to total assets | 87.3562% | 2,276 |
| Equity capital to assets | 12.5386% | 1,619 |
| Core capital (leverage) ratio | 12.7357% | 1,272 |
| Tier 1 risk-based capital ratio | 26.1729% | 751 |
| Total risk-based capital ratio | 27.4365% | 740 |
| Memoranda: |
| Average total assets | $60,302,670 | 5,652 |
| Average earning assets | $55,324,670 | 5,647 |
| Average equity | $7,643,670 | 5,359 |
| Average total loans | $27,317,000 | 5,776 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2148% | 2,820 |
| Cost of funding earning assets | 0.1244% | 6,475 |
| Net interest margin | 4.0904% | 1,485 |
| Noninterest income to average assets | 1.4172% | 582 |
| Noninterest expense to average assets | 4.8629% | 342 |
| Loan and lease loss provision to assets | 0.0470% | 3,154 |
| Net operating income to assets | 0.2619% | 5,622 |
| Return on assets (ROA) | 0.2619% | 5,664 |
| Pretax return on assets | 0.2619% | 5,796 |
| Return on Equity (ROE) | 2.0551% | 5,772 |
| Retained earnings to average equity (ytd only) | 2.0551% | 4,786 |
| Net charge-offs to loans | -0.1814% | 6,353 |
| Credit loss provision to net charge-offs | -58.3333% | 4,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0260% | 749 |
| Assets per employee ($millions) | 2.1163% | 6,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6348% | 685 |
| Loan loss allowance to noncurrent loans | 128.3906% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.7614% | 1,996 |
| Noncurrent loans to loans | 2.0522% | 1,808 |
| Net loans and leases to total assets | 42.7501% | 5,608 |
| Net loans and leases to deposits | 48.9195% | 5,674 |
| Net loans and leases to core deposits | 49.9210% | 5,770 |
| Total domestic deposits to total assets | 87.3886% | 2,573 |
| Equity capital to assets | 12.4240% | 1,620 |
| Core capital (leverage) ratio | 13.2721% | 1,056 |
| Tier 1 risk-based capital ratio | 27.2404% | 696 |
| Total risk-based capital ratio | 28.5071% | 681 |
| Memoranda: |
| Average total assets | $59,553,500 | 5,725 |
| Average earning assets | $54,664,500 | 5,716 |
| Average equity | $7,591,000 | 5,395 |
| Average total loans | $26,468,000 | 5,873 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9321% | 4,345 |
| Cost of funding earning assets | 0.1507% | 6,538 |
| Net interest margin | 3.7814% | 2,721 |
| Noninterest income to average assets | 1.5527% | 593 |
| Noninterest expense to average assets | 5.2954% | 286 |
| Loan and lease loss provision to assets | 0.0624% | 3,890 |
| Net operating income to assets | -0.2933% | 6,412 |
| Return on assets (ROA) | -0.1062% | 6,325 |
| Pretax return on assets | -0.1062% | 6,292 |
| Return on Equity (ROE) | -0.8099% | 6,310 |
| Retained earnings to average equity (ytd only) | -0.8742% | 6,043 |
| Net charge-offs to loans | 0.4731% | 1,408 |
| Credit loss provision to net charge-offs | 32.7434% | 4,187 |
| Earnings coverage of net charge-offs (x) | -1.2124% | 5,281 |
| Efficiency ratio | 104.5606% | 362 |
| Assets per employee ($millions) | 1.9908% | 6,644 |
| Cash dividends to net income (ytd only)* | -7.9365% | 6,764 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6588% | 692 |
| Loan loss allowance to noncurrent loans | 116.9205% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 1.9798% | 1,814 |
| Noncurrent loans to loans | 2.2740% | 1,699 |
| Net loans and leases to total assets | 43.8182% | 5,688 |
| Net loans and leases to deposits | 50.4910% | 5,733 |
| Net loans and leases to core deposits | 51.5980% | 5,825 |
| Total domestic deposits to total assets | 86.7842% | 2,836 |
| Equity capital to assets | 13.0893% | 1,235 |
| Core capital (leverage) ratio | 13.1506% | 1,082 |
| Tier 1 risk-based capital ratio | 27.4744% | 642 |
| Total risk-based capital ratio | 28.7407% | 629 |
| Memoranda: |
| Average total assets | $59,315,400 | 5,774 |
| Average earning assets | $55,085,600 | 5,731 |
| Average equity | $7,778,400 | 5,399 |
| Average total loans | $23,887,000 | 6,037 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7865% | 4,909 |
| Cost of funding earning assets | 0.1533% | 6,627 |
| Net interest margin | 3.6332% | 3,308 |
| Noninterest income to average assets | 1.5586% | 604 |
| Noninterest expense to average assets | 5.2764% | 288 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.3305% | 6,539 |
| Return on assets (ROA) | -0.3305% | 6,553 |
| Pretax return on assets | -0.3305% | 6,537 |
| Return on Equity (ROE) | -2.5190% | 6,504 |
| Retained earnings to average equity (ytd only) | -2.6040% | 6,321 |
| Net charge-offs to loans | 0.0114% | 4,915 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -73.9064% | 5,199 |
| Efficiency ratio | 106.6817% | 321 |
| Assets per employee ($millions) | 2.0197% | 6,697 |
| Cash dividends to net income (ytd only)* | -3.3801% | 6,853 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9861% | 560 |
| Loan loss allowance to noncurrent loans | 51.9348% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 2.5367% | 1,507 |
| Noncurrent loans to loans | 5.7496% | 460 |
| Net loans and leases to total assets | 41.0200% | 5,965 |
| Net loans and leases to deposits | 47.0604% | 6,031 |
| Net loans and leases to core deposits | 48.0373% | 6,123 |
| Total domestic deposits to total assets | 87.1645% | 2,591 |
| Equity capital to assets | 12.5945% | 1,530 |
| Core capital (leverage) ratio | 13.0651% | 1,180 |
| Tier 1 risk-based capital ratio | 27.2811% | 683 |
| Total risk-based capital ratio | 28.5491% | 666 |
| Memoranda: |
| Average total assets | $59,710,750 | 5,827 |
| Average earning assets | $55,670,750 | 5,769 |
| Average equity | $7,833,750 | 5,438 |
| Average total loans | $23,361,500 | 6,125 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6810% | 5,205 |
| Cost of funding earning assets | 0.1589% | 6,676 |
| Net interest margin | 3.5220% | 3,693 |
| Noninterest income to average assets | 1.5652% | 641 |
| Noninterest expense to average assets | 5.5842% | 253 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.7372% | 6,704 |
| Return on assets (ROA) | -0.7372% | 6,713 |
| Pretax return on assets | -0.7372% | 6,695 |
| Return on Equity (ROE) | -5.5434% | 6,648 |
| Retained earnings to average equity (ytd only) | -5.6699% | 6,495 |
| Net charge-offs to loans | -0.1592% | 6,607 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.2083% | 218 |
| Assets per employee ($millions) | 2.0163% | 6,745 |
| Cash dividends to net income (ytd only)* | -2.2831% | 6,899 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2770% | 447 |
| Loan loss allowance to noncurrent loans | 53.0047% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 2.4366% | 1,746 |
| Noncurrent loans to loans | 6.1824% | 437 |
| Net loans and leases to total assets | 37.0690% | 6,232 |
| Net loans and leases to deposits | 42.2880% | 6,312 |
| Net loans and leases to core deposits | 43.1319% | 6,363 |
| Total domestic deposits to total assets | 87.6586% | 2,464 |
| Equity capital to assets | 12.0614% | 1,876 |
| Core capital (leverage) ratio | 12.9368% | 1,191 |
| Tier 1 risk-based capital ratio | 28.5355% | 601 |
| Total risk-based capital ratio | 29.8065% | 587 |
| Memoranda: |
| Average total assets | $59,417,670 | 5,866 |
| Average earning assets | $55,366,000 | 5,810 |
| Average equity | $7,901,330 | 5,457 |
| Average total loans | $22,609,000 | 6,188 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6725% | 5,248 |
| Cost of funding earning assets | 0.1710% | 6,726 |
| Net interest margin | 3.5015% | 3,690 |
| Noninterest income to average assets | 1.6519% | 570 |
| Noninterest expense to average assets | 5.1629% | 332 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2557% | 6,551 |
| Return on assets (ROA) | -0.2557% | 6,583 |
| Pretax return on assets | -0.2557% | 6,574 |
| Return on Equity (ROE) | -1.8311% | 6,552 |
| Retained earnings to average equity (ytd only) | -1.8311% | 6,063 |
| Net charge-offs to loans | 0.0729% | 3,113 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -9.2500% | 4,100 |
| Efficiency ratio | 105.2113% | 411 |
| Assets per employee ($millions) | 1.7870% | 6,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4778% | 424 |
| Loan loss allowance to noncurrent loans | 51.4845% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 2.6250% | 1,736 |
| Noncurrent loans to loans | 6.7551% | 456 |
| Net loans and leases to total assets | 35.9092% | 6,300 |
| Net loans and leases to deposits | 41.6277% | 6,341 |
| Net loans and leases to core deposits | 42.5221% | 6,382 |
| Total domestic deposits to total assets | 86.2627% | 3,381 |
| Equity capital to assets | 13.6118% | 1,175 |
| Core capital (leverage) ratio | 13.5040% | 946 |
| Tier 1 risk-based capital ratio | 29.8294% | 541 |
| Total risk-based capital ratio | 31.0994% | 529 |
| Memoranda: |
| Average total assets | $57,874,000 | 5,969 |
| Average earning assets | $53,805,000 | 5,907 |
| Average equity | $8,082,500 | 5,466 |
| Average total loans | $21,936,000 | 6,279 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6384% | 6,151 |
| Cost of funding earning assets | 0.1994% | 6,838 |
| Net interest margin | 3.4390% | 4,748 |
| Noninterest income to average assets | 1.9337% | 458 |
| Noninterest expense to average assets | 5.1962% | 333 |
| Loan and lease loss provision to assets | 0.2125% | 3,019 |
| Net operating income to assets | -0.2449% | 6,406 |
| Return on assets (ROA) | -0.2449% | 6,467 |
| Pretax return on assets | -0.2449% | 6,450 |
| Return on Equity (ROE) | -1.6528% | 6,432 |
| Retained earnings to average equity (ytd only) | -1.7136% | 6,120 |
| Net charge-offs to loans | -0.2683% | 6,965 |
| Credit loss provision to net charge-offs | -226.9231% | 6,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6276% | 538 |
| Assets per employee ($millions) | 1.9578% | 6,912 |
| Cash dividends to net income (ytd only)* | -3.6765% | 7,017 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4970% | 426 |
| Loan loss allowance to noncurrent loans | 45.5463% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 3.0400% | 1,555 |
| Noncurrent loans to loans | 7.6779% | 389 |
| Net loans and leases to total assets | 37.2792% | 6,352 |
| Net loans and leases to deposits | 43.5604% | 6,394 |
| Net loans and leases to core deposits | 44.5403% | 6,437 |
| Total domestic deposits to total assets | 85.5804% | 3,574 |
| Equity capital to assets | 14.3333% | 925 |
| Core capital (leverage) ratio | 13.9946% | 804 |
| Tier 1 risk-based capital ratio | 30.6606% | 486 |
| Total risk-based capital ratio | 31.9324% | 479 |
| Memoranda: |
| Average total assets | $55,540,800 | 6,033 |
| Average earning assets | $52,166,000 | 5,977 |
| Average equity | $8,228,400 | 5,437 |
| Average total loans | $19,378,200 | 6,452 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6709% | 6,278 |
| Cost of funding earning assets | 0.2049% | 6,941 |
| Net interest margin | 3.4660% | 4,777 |
| Noninterest income to average assets | 1.8467% | 473 |
| Noninterest expense to average assets | 5.2167% | 320 |
| Loan and lease loss provision to assets | 0.1521% | 3,635 |
| Net operating income to assets | -0.2559% | 6,535 |
| Return on assets (ROA) | -0.2559% | 6,603 |
| Pretax return on assets | -0.2559% | 6,572 |
| Return on Equity (ROE) | -1.7129% | 6,548 |
| Retained earnings to average equity (ytd only) | -1.7937% | 6,369 |
| Net charge-offs to loans | -0.2490% | 7,028 |
| Credit loss provision to net charge-offs | -180.0000% | 6,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0302% | 480 |
| Assets per employee ($millions) | 1.8692% | 7,030 |
| Cash dividends to net income (ytd only)* | -4.7195% | 7,125 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5182% | 465 |
| Loan loss allowance to noncurrent loans | 41.4576% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 3.0601% | 1,698 |
| Noncurrent loans to loans | 8.4863% | 355 |
| Net loans and leases to total assets | 33.9390% | 6,659 |
| Net loans and leases to deposits | 39.8751% | 6,679 |
| Net loans and leases to core deposits | 40.7878% | 6,714 |
| Total domestic deposits to total assets | 85.1133% | 3,701 |
| Equity capital to assets | 14.6976% | 908 |
| Core capital (leverage) ratio | 14.2011% | 773 |
| Tier 1 risk-based capital ratio | 32.8173% | 413 |
| Total risk-based capital ratio | 34.0859% | 408 |
| Memoranda: |
| Average total assets | $55,231,750 | 6,115 |
| Average earning assets | $52,047,250 | 6,051 |
| Average equity | $8,251,000 | 5,488 |
| Average total loans | $18,739,500 | 6,565 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6638% | 6,399 |
| Cost of funding earning assets | 0.2048% | 7,024 |
| Net interest margin | 3.4590% | 4,847 |
| Noninterest income to average assets | 1.8198% | 465 |
| Noninterest expense to average assets | 5.2484% | 320 |
| Loan and lease loss provision to assets | 0.0109% | 5,525 |
| Net operating income to assets | -0.1820% | 6,521 |
| Return on assets (ROA) | -0.1820% | 6,603 |
| Pretax return on assets | -0.1820% | 6,579 |
| Return on Equity (ROE) | -1.2115% | 6,560 |
| Retained earnings to average equity (ytd only) | -1.3327% | 6,258 |
| Net charge-offs to loans | -0.2824% | 7,061 |
| Credit loss provision to net charge-offs | -11.5385% | 5,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3692% | 448 |
| Assets per employee ($millions) | 1.8726% | 7,086 |
| Cash dividends to net income (ytd only)* | -10.0000% | 7,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3539% | 567 |
| Loan loss allowance to noncurrent loans | 40.9418% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 2.9567% | 1,861 |
| Noncurrent loans to loans | 8.1918% | 411 |
| Net loans and leases to total assets | 32.1110% | 6,800 |
| Net loans and leases to deposits | 37.6747% | 6,815 |
| Net loans and leases to core deposits | 38.5325% | 6,855 |
| Total domestic deposits to total assets | 85.2324% | 3,751 |
| Equity capital to assets | 14.6288% | 879 |
| Core capital (leverage) ratio | 14.5703% | 685 |
| Tier 1 risk-based capital ratio | 34.1674% | 369 |
| Total risk-based capital ratio | 35.4357% | 364 |
| Memoranda: |
| Average total assets | $54,950,000 | 6,169 |
| Average earning assets | $51,749,000 | 6,098 |
| Average equity | $8,254,000 | 5,498 |
| Average total loans | $18,410,670 | 6,627 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7853% | 6,278 |
| Cost of funding earning assets | 0.2194% | 7,072 |
| Net interest margin | 3.5659% | 4,417 |
| Noninterest income to average assets | 1.8919% | 450 |
| Noninterest expense to average assets | 5.0721% | 346 |
| Loan and lease loss provision to assets | 0.0221% | 5,060 |
| Net operating income to assets | 0.1472% | 6,125 |
| Return on assets (ROA) | 0.1472% | 6,254 |
| Pretax return on assets | 0.1472% | 6,301 |
| Return on Equity (ROE) | 0.9671% | 6,356 |
| Retained earnings to average equity (ytd only) | 0.7253% | 5,770 |
| Net charge-offs to loans | -0.3063% | 7,072 |
| Credit loss provision to net charge-offs | -21.4286% | 5,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7697% | 686 |
| Assets per employee ($millions) | 1.9841% | 7,123 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,216 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4404% | 557 |
| Loan loss allowance to noncurrent loans | 38.7626% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 3.0888% | 1,888 |
| Noncurrent loans to loans | 8.8754% | 397 |
| Net loans and leases to total assets | 31.0197% | 6,868 |
| Net loans and leases to deposits | 36.5029% | 6,874 |
| Net loans and leases to core deposits | 37.3445% | 6,900 |
| Total domestic deposits to total assets | 84.9788% | 4,054 |
| Equity capital to assets | 14.9221% | 766 |
| Core capital (leverage) ratio | 14.9225% | 610 |
| Tier 1 risk-based capital ratio | 34.4469% | 351 |
| Total risk-based capital ratio | 35.7143% | 347 |
| Memoranda: |
| Average total assets | $54,336,500 | 6,221 |
| Average earning assets | $51,039,000 | 6,154 |
| Average equity | $8,272,000 | 5,506 |
| Average total loans | $18,283,500 | 6,692 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2523% | 1,861 |
| Cost of funding earning assets | 0.2956% | 7,113 |
| Net interest margin | 4.9567% | 450 |
| Noninterest income to average assets | 2.1075% | 343 |
| Noninterest expense to average assets | 5.2584% | 309 |
| Loan and lease loss provision to assets | 0.6275% | 1,631 |
| Net operating income to assets | 0.1869% | 5,629 |
| Return on assets (ROA) | 0.1869% | 5,762 |
| Pretax return on assets | 0.1869% | 5,822 |
| Return on Equity (ROE) | 1.2040% | 5,912 |
| Retained earnings to average equity (ytd only) | 1.2040% | 5,288 |
| Net charge-offs to loans | 5.8162% | 52 |
| Credit loss provision to net charge-offs | 26.4682% | 5,839 |
| Earnings coverage of net charge-offs (x) | 0.3435% | 5,564 |
| Efficiency ratio | 86.5892% | 1,489 |
| Assets per employee ($millions) | 1.8317% | 7,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1838% | 691 |
| Loan loss allowance to noncurrent loans | 28.1132% | 6,298 |
| Noncurrent assets plus other real estate owned to assets | 4.0965% | 1,398 |
| Noncurrent loans to loans | 11.3248% | 253 |
| Net loans and leases to total assets | 34.1203% | 6,864 |
| Net loans and leases to deposits | 40.4346% | 6,859 |
| Net loans and leases to core deposits | 41.1806% | 6,910 |
| Total domestic deposits to total assets | 84.3838% | 4,148 |
| Equity capital to assets | 15.5390% | 667 |
| Core capital (leverage) ratio | 15.5012% | 527 |
| Tier 1 risk-based capital ratio | 34.2156% | 358 |
| Total risk-based capital ratio | 35.4811% | 351 |
| Memoranda: |
| Average total assets | $52,430,600 | 6,290 |
| Average earning assets | $41,943,200 | 6,468 |
| Average equity | $8,139,800 | 5,528 |
| Average total loans | $21,371,200 | 6,584 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6741% | 888 |
| Cost of funding earning assets | 0.3195% | 7,183 |
| Net interest margin | 5.3546% | 222 |
| Noninterest income to average assets | 2.1712% | 339 |
| Noninterest expense to average assets | 5.3221% | 283 |
| Loan and lease loss provision to assets | 0.8394% | 1,097 |
| Net operating income to assets | 0.1148% | 5,928 |
| Return on assets (ROA) | 0.1148% | 6,044 |
| Pretax return on assets | 0.1148% | 6,067 |
| Return on Equity (ROE) | 0.7397% | 6,116 |
| Retained earnings to average equity (ytd only) | 0.7397% | 5,715 |
| Net charge-offs to loans | 3.9756% | 170 |
| Credit loss provision to net charge-offs | 50.0761% | 5,035 |
| Earnings coverage of net charge-offs (x) | 0.5692% | 5,196 |
| Efficiency ratio | 84.7967% | 1,650 |
| Assets per employee ($millions) | 1.8128% | 7,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.7822% | 108 |
| Loan loss allowance to noncurrent loans | 44.1045% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 5.2062% | 1,098 |
| Noncurrent loans to loans | 13.1103% | 196 |
| Net loans and leases to total assets | 36.6355% | 6,836 |
| Net loans and leases to deposits | 43.5875% | 6,855 |
| Net loans and leases to core deposits | 44.4024% | 6,907 |
| Total domestic deposits to total assets | 84.0504% | 4,204 |
| Equity capital to assets | 15.7708% | 674 |
| Core capital (leverage) ratio | 15.3457% | 603 |
| Tier 1 risk-based capital ratio | 33.7393% | 392 |
| Total risk-based capital ratio | 35.0381% | 383 |
| Memoranda: |
| Average total assets | $52,258,750 | 6,348 |
| Average earning assets | $40,064,500 | 6,583 |
| Average equity | $8,111,250 | 5,563 |
| Average total loans | $22,034,000 | 6,618 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7519% | 793 |
| Cost of funding earning assets | 0.3220% | 7,275 |
| Net interest margin | 5.4299% | 199 |
| Noninterest income to average assets | 2.0401% | 352 |
| Noninterest expense to average assets | 5.5144% | 263 |
| Loan and lease loss provision to assets | 1.2616% | 600 |
| Net operating income to assets | -0.5330% | 6,715 |
| Return on assets (ROA) | -0.5330% | 6,739 |
| Pretax return on assets | -0.5330% | 6,677 |
| Return on Equity (ROE) | -3.4528% | 6,617 |
| Retained earnings to average equity (ytd only) | -3.4528% | 6,417 |
| Net charge-offs to loans | 4.1126% | 194 |
| Credit loss provision to net charge-offs | 70.9052% | 4,041 |
| Earnings coverage of net charge-offs (x) | 0.4095% | 4,998 |
| Efficiency ratio | 88.3292% | 1,380 |
| Assets per employee ($millions) | 1.7654% | 7,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.3731% | 80 |
| Loan loss allowance to noncurrent loans | 49.1071% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 5.8004% | 983 |
| Noncurrent loans to loans | 12.9780% | 207 |
| Net loans and leases to total assets | 38.1406% | 6,852 |
| Net loans and leases to deposits | 45.0561% | 6,878 |
| Net loans and leases to core deposits | 45.6239% | 6,955 |
| Total domestic deposits to total assets | 84.6513% | 4,052 |
| Equity capital to assets | 15.2147% | 768 |
| Core capital (leverage) ratio | 14.8311% | 698 |
| Tier 1 risk-based capital ratio | 31.9580% | 453 |
| Total risk-based capital ratio | 33.2631% | 445 |
| Memoranda: |
| Average total assets | $52,154,330 | 6,405 |
| Average earning assets | $40,369,000 | 6,627 |
| Average equity | $8,051,330 | 5,597 |
| Average total loans | $22,564,670 | 6,656 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3204% | 1,806 |
| Cost of funding earning assets | 0.3455% | 7,319 |
| Net interest margin | 4.9749% | 399 |
| Noninterest income to average assets | 2.0715% | 342 |
| Noninterest expense to average assets | 5.4338% | 270 |
| Loan and lease loss provision to assets | 2.1488% | 251 |
| Net operating income to assets | -1.6154% | 7,223 |
| Return on assets (ROA) | -1.6154% | 7,225 |
| Pretax return on assets | -1.6154% | 7,196 |
| Return on Equity (ROE) | -10.3877% | 7,036 |
| Retained earnings to average equity (ytd only) | -10.3877% | 6,885 |
| Net charge-offs to loans | 2.1857% | 566 |
| Credit loss provision to net charge-offs | 220.6349% | 1,375 |
| Earnings coverage of net charge-offs (x) | 0.5476% | 4,210 |
| Efficiency ratio | 91.0622% | 1,237 |
| Assets per employee ($millions) | 1.6430% | 7,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 7.4198% | 47 |
| Loan loss allowance to noncurrent loans | 56.2014% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 6.2880% | 900 |
| Noncurrent loans to loans | 13.2022% | 218 |
| Net loans and leases to total assets | 39.4667% | 6,815 |
| Net loans and leases to deposits | 46.5539% | 6,818 |
| Net loans and leases to core deposits | 47.1419% | 6,914 |
| Total domestic deposits to total assets | 84.7763% | 4,136 |
| Equity capital to assets | 15.1324% | 737 |
| Core capital (leverage) ratio | 14.8094% | 691 |
| Tier 1 risk-based capital ratio | 32.2464% | 424 |
| Total risk-based capital ratio | 33.5682% | 417 |
| Memoranda: |
| Average total assets | $51,750,500 | 6,468 |
| Average earning assets | $40,523,500 | 6,668 |
| Average equity | $8,048,000 | 5,591 |
| Average total loans | $23,059,500 | 6,689 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9583% | 928 |
| Cost of funding earning assets | 0.4488% | 7,371 |
| Net interest margin | 5.5095% | 170 |
| Noninterest income to average assets | 2.0272% | 386 |
| Noninterest expense to average assets | 5.4606% | 308 |
| Loan and lease loss provision to assets | 3.0050% | 315 |
| Net operating income to assets | -1.9875% | 7,051 |
| Return on assets (ROA) | -1.9875% | 7,064 |
| Pretax return on assets | -1.9339% | 7,004 |
| Return on Equity (ROE) | -11.5209% | 6,797 |
| Retained earnings to average equity (ytd only) | -12.0039% | 6,764 |
| Net charge-offs to loans | 3.2578% | 477 |
| Credit loss provision to net charge-offs | 188.4328% | 1,722 |
| Earnings coverage of net charge-offs (x) | 0.6716% | 5,436 |
| Efficiency ratio | 83.6016% | 1,967 |
| Assets per employee ($millions) | 1.5914% | 7,536 |
| Cash dividends to net income (ytd only)* | -4.1916% | 7,449 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.3739% | 90 |
| Loan loss allowance to noncurrent loans | 56.0460% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 6.2622% | 919 |
| Noncurrent loans to loans | 11.3726% | 331 |
| Net loans and leases to total assets | 43.5837% | 6,746 |
| Net loans and leases to deposits | 51.9060% | 6,752 |
| Net loans and leases to core deposits | 52.5873% | 6,875 |
| Total domestic deposits to total assets | 83.9666% | 4,377 |
| Equity capital to assets | 15.9843% | 586 |
| Core capital (leverage) ratio | 15.7218% | 542 |
| Tier 1 risk-based capital ratio | 31.9315% | 426 |
| Total risk-based capital ratio | 33.2422% | 420 |
| Memoranda: |
| Average total assets | $50,415,600 | 6,518 |
| Average earning assets | $41,220,000 | 6,670 |
| Average equity | $8,697,200 | 5,500 |
| Average total loans | $24,679,400 | 6,691 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9868% | 964 |
| Cost of funding earning assets | 0.4720% | 7,484 |
| Net interest margin | 5.5148% | 172 |
| Noninterest income to average assets | 1.9514% | 390 |
| Noninterest expense to average assets | 5.3663% | 292 |
| Loan and lease loss provision to assets | 4.0141% | 159 |
| Net operating income to assets | -2.9774% | 7,447 |
| Return on assets (ROA) | -2.9774% | 7,456 |
| Pretax return on assets | -2.9058% | 7,396 |
| Return on Equity (ROE) | -16.9445% | 7,158 |
| Retained earnings to average equity (ytd only) | -17.5781% | 7,150 |
| Net charge-offs to loans | 4.0604% | 296 |
| Credit loss provision to net charge-offs | 199.4730% | 1,798 |
| Earnings coverage of net charge-offs (x) | 0.5507% | 5,473 |
| Efficiency ratio | 82.8829% | 1,963 |
| Assets per employee ($millions) | 1.6274% | 7,633 |
| Cash dividends to net income (ytd only)* | -3.7401% | 7,599 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.5817% | 82 |
| Loan loss allowance to noncurrent loans | 71.9241% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 6.2459% | 930 |
| Noncurrent loans to loans | 9.1509% | 514 |
| Net loans and leases to total assets | 43.7491% | 6,859 |
| Net loans and leases to deposits | 52.3568% | 6,875 |
| Net loans and leases to core deposits | 52.6729% | 7,019 |
| Total domestic deposits to total assets | 83.5596% | 4,345 |
| Equity capital to assets | 16.2758% | 624 |
| Core capital (leverage) ratio | 15.3848% | 650 |
| Tier 1 risk-based capital ratio | 25.3723% | 833 |
| Total risk-based capital ratio | 26.6699% | 808 |
| Memoranda: |
| Average total assets | $50,288,250 | 6,596 |
| Average earning assets | $41,245,250 | 6,749 |
| Average equity | $8,836,500 | 5,543 |
| Average total loans | $24,922,750 | 6,763 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9897% | 972 |
| Cost of funding earning assets | 0.4859% | 7,562 |
| Net interest margin | 5.5038% | 168 |
| Noninterest income to average assets | 1.8951% | 380 |
| Noninterest expense to average assets | 5.2792% | 309 |
| Loan and lease loss provision to assets | 2.5003% | 458 |
| Net operating income to assets | -1.4373% | 7,133 |
| Return on assets (ROA) | -1.4373% | 7,139 |
| Pretax return on assets | -1.3298% | 7,022 |
| Return on Equity (ROE) | -7.9823% | 6,889 |
| Retained earnings to average equity (ytd only) | -8.9110% | 6,860 |
| Net charge-offs to loans | 4.9773% | 207 |
| Credit loss provision to net charge-offs | 99.5246% | 4,127 |
| Earnings coverage of net charge-offs (x) | 0.4659% | 5,249 |
| Efficiency ratio | 81.8519% | 2,187 |
| Assets per employee ($millions) | 1.6657% | 7,688 |
| Cash dividends to net income (ytd only)* | -11.6343% | 7,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3142% | 636 |
| Loan loss allowance to noncurrent loans | 53.5259% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 4.5956% | 1,427 |
| Noncurrent loans to loans | 6.1918% | 1,014 |
| Net loans and leases to total assets | 45.0287% | 6,848 |
| Net loans and leases to deposits | 54.6324% | 6,818 |
| Net loans and leases to core deposits | 54.9578% | 6,991 |
| Total domestic deposits to total assets | 82.4212% | 4,819 |
| Equity capital to assets | 17.4491% | 475 |
| Core capital (leverage) ratio | 17.0467% | 434 |
| Tier 1 risk-based capital ratio | 32.6138% | 405 |
| Total risk-based capital ratio | 33.8869% | 402 |
| Memoranda: |
| Average total assets | $50,234,670 | 6,639 |
| Average earning assets | $41,571,330 | 6,794 |
| Average equity | $9,045,000 | 5,490 |
| Average total loans | $25,355,000 | 6,778 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8746% | 1,260 |
| Cost of funding earning assets | 0.4975% | 7,675 |
| Net interest margin | 5.3771% | 217 |
| Noninterest income to average assets | 1.5262% | 518 |
| Noninterest expense to average assets | 5.6446% | 256 |
| Loan and lease loss provision to assets | 3.2382% | 299 |
| Net operating income to assets | -3.0363% | 7,643 |
| Return on assets (ROA) | -3.0363% | 7,638 |
| Pretax return on assets | -2.8183% | 7,575 |
| Return on Equity (ROE) | -16.5959% | 7,354 |
| Retained earnings to average equity (ytd only) | -18.2731% | 7,316 |
| Net charge-offs to loans | 7.1054% | 130 |
| Credit loss provision to net charge-offs | 86.7965% | 3,725 |
| Earnings coverage of net charge-offs (x) | 0.1126% | 4,932 |
| Efficiency ratio | 93.0759% | 1,196 |
| Assets per employee ($millions) | 1.5633% | 7,809 |
| Cash dividends to net income (ytd only)* | -10.1064% | 7,834 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9113% | 887 |
| Loan loss allowance to noncurrent loans | 33.4541% | 6,174 |
| Noncurrent assets plus other real estate owned to assets | 4.8236% | 1,363 |
| Noncurrent loans to loans | 8.7023% | 579 |
| Net loans and leases to total assets | 49.2654% | 6,546 |
| Net loans and leases to deposits | 60.0629% | 6,462 |
| Net loans and leases to core deposits | 61.4374% | 6,643 |
| Total domestic deposits to total assets | 82.0230% | 5,064 |
| Equity capital to assets | 17.7311% | 446 |
| Core capital (leverage) ratio | 17.2586% | 431 |
| Tier 1 risk-based capital ratio | 33.1426% | 406 |
| Total risk-based capital ratio | 34.4108% | 399 |
| Memoranda: |
| Average total assets | $49,534,000 | 6,746 |
| Average earning assets | $41,807,000 | 6,867 |
| Average equity | $9,062,500 | 5,529 |
| Average total loans | $26,008,500 | 6,825 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4638% | 720 |
| Cost of funding earning assets | 0.6714% | 7,719 |
| Net interest margin | 5.7924% | 135 |
| Noninterest income to average assets | 1.7312% | 485 |
| Noninterest expense to average assets | 5.9095% | 320 |
| Loan and lease loss provision to assets | 0.5604% | 3,573 |
| Net operating income to assets | 0.3032% | 4,526 |
| Return on assets (ROA) | 0.3032% | 4,600 |
| Pretax return on assets | 0.3032% | 4,748 |
| Return on Equity (ROE) | 1.6180% | 5,051 |
| Retained earnings to average equity (ytd only) | -5.1308% | 6,039 |
| Net charge-offs to loans | 0.2304% | 5,169 |
| Credit loss provision to net charge-offs | 468.3333% | 659 |
| Earnings coverage of net charge-offs (x) | 7.2167% | 2,195 |
| Efficiency ratio | 87.2497% | 1,960 |
| Assets per employee ($millions) | 1.5820% | 7,885 |
| Cash dividends to net income (ytd only)* | 417.1053% | 68 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0038% | 774 |
| Loan loss allowance to noncurrent loans | 28.4799% | 6,572 |
| Noncurrent assets plus other real estate owned to assets | 5.7276% | 1,004 |
| Noncurrent loans to loans | 10.5471% | 373 |
| Net loans and leases to total assets | 52.6742% | 6,346 |
| Net loans and leases to deposits | 65.0869% | 6,154 |
| Net loans and leases to core deposits | 71.9081% | 6,668 |
| Total domestic deposits to total assets | 80.9290% | 5,366 |
| Equity capital to assets | 18.8712% | 377 |
| Core capital (leverage) ratio | 18.2257% | 385 |
| Tier 1 risk-based capital ratio | 33.2790% | 400 |
| Total risk-based capital ratio | 34.5493% | 388 |
| Memoranda: |
| Average total assets | $50,139,400 | 6,700 |
| Average earning assets | $43,643,200 | 6,776 |
| Average equity | $9,394,200 | 5,477 |
| Average total loans | $26,042,400 | 6,849 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4863% | 771 |
| Cost of funding earning assets | 0.7075% | 7,804 |
| Net interest margin | 5.7787% | 137 |
| Noninterest income to average assets | 1.7323% | 489 |
| Noninterest expense to average assets | 5.8713% | 319 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8939% | 2,442 |
| Return on assets (ROA) | 0.8939% | 2,517 |
| Pretax return on assets | 0.8939% | 3,248 |
| Return on Equity (ROE) | 4.7795% | 4,057 |
| Retained earnings to average equity (ytd only) | -3.7614% | 6,073 |
| Net charge-offs to loans | -0.3810% | 8,009 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7866% | 1,981 |
| Assets per employee ($millions) | 1.6012% | 7,966 |
| Cash dividends to net income (ytd only)* | 178.6957% | 219 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4390% | 1,125 |
| Loan loss allowance to noncurrent loans | 28.3790% | 6,575 |
| Noncurrent assets plus other real estate owned to assets | 4.6599% | 1,291 |
| Noncurrent loans to loans | 8.5945% | 536 |
| Net loans and leases to total assets | 52.6231% | 6,548 |
| Net loans and leases to deposits | 65.8947% | 6,320 |
| Net loans and leases to core deposits | 72.6565% | 6,802 |
| Total domestic deposits to total assets | 79.8594% | 5,491 |
| Equity capital to assets | 19.1232% | 408 |
| Core capital (leverage) ratio | 18.8008% | 392 |
| Tier 1 risk-based capital ratio | 29.2903% | 613 |
| Total risk-based capital ratio | 30.5506% | 597 |
| Memoranda: |
| Average total assets | $50,413,500 | 6,739 |
| Average earning assets | $43,907,000 | 6,821 |
| Average equity | $9,429,000 | 5,512 |
| Average total loans | $25,894,750 | 6,920 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5370% | 758 |
| Cost of funding earning assets | 0.7658% | 7,860 |
| Net interest margin | 5.7711% | 129 |
| Noninterest income to average assets | 1.6695% | 526 |
| Noninterest expense to average assets | 5.6677% | 357 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9986% | 2,108 |
| Return on assets (ROA) | 0.9986% | 2,204 |
| Pretax return on assets | 0.9986% | 3,021 |
| Return on Equity (ROE) | 5.3784% | 3,918 |
| Retained earnings to average equity (ytd only) | -6.4201% | 6,503 |
| Net charge-offs to loans | -0.3593% | 8,087 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0207% | 2,356 |
| Assets per employee ($millions) | 1.4776% | 8,077 |
| Cash dividends to net income (ytd only)* | 219.3676% | 196 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4283% | 963 |
| Loan loss allowance to noncurrent loans | 75.2106% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.6780% | 3,671 |
| Noncurrent loans to loans | 3.2287% | 2,206 |
| Net loans and leases to total assets | 49.9891% | 6,875 |
| Net loans and leases to deposits | 61.5213% | 6,774 |
| Net loans and leases to core deposits | 67.4030% | 7,150 |
| Total domestic deposits to total assets | 81.2549% | 4,976 |
| Equity capital to assets | 18.5262% | 501 |
| Core capital (leverage) ratio | 18.2094% | 487 |
| Tier 1 risk-based capital ratio | 34.9872% | 416 |
| Total risk-based capital ratio | 36.2505% | 411 |
| Memoranda: |
| Average total assets | $50,672,670 | 6,796 |
| Average earning assets | $43,873,670 | 6,887 |
| Average equity | $9,408,000 | 5,545 |
| Average total loans | $25,602,000 | 6,990 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5633% | 763 |
| Cost of funding earning assets | 0.7829% | 7,927 |
| Net interest margin | 5.7805% | 129 |
| Noninterest income to average assets | 1.6192% | 523 |
| Noninterest expense to average assets | 5.7142% | 332 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8960% | 2,718 |
| Return on assets (ROA) | 0.8960% | 2,869 |
| Pretax return on assets | 0.8960% | 3,731 |
| Return on Equity (ROE) | 4.8211% | 4,545 |
| Retained earnings to average equity (ytd only) | -16.9583% | 7,533 |
| Net charge-offs to loans | -0.2663% | 8,047 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4447% | 2,022 |
| Assets per employee ($millions) | 1.6958% | 8,066 |
| Cash dividends to net income (ytd only)* | 451.7544% | 85 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3705% | 886 |
| Loan loss allowance to noncurrent loans | 79.6791% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.4703% | 3,729 |
| Noncurrent loans to loans | 2.9751% | 2,196 |
| Net loans and leases to total assets | 48.2486% | 7,006 |
| Net loans and leases to deposits | 59.1898% | 6,957 |
| Net loans and leases to core deposits | 64.7122% | 7,289 |
| Total domestic deposits to total assets | 81.5151% | 4,743 |
| Equity capital to assets | 18.3237% | 566 |
| Core capital (leverage) ratio | 17.9566% | 560 |
| Tier 1 risk-based capital ratio | 35.1789% | 431 |
| Total risk-based capital ratio | 36.4437% | 421 |
| Memoranda: |
| Average total assets | $50,890,500 | 6,827 |
| Average earning assets | $43,941,000 | 6,936 |
| Average equity | $9,458,500 | 5,550 |
| Average total loans | $25,534,000 | 7,025 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6181% | 2,396 |
| Cost of funding earning assets | 1.2678% | 7,875 |
| Net interest margin | 5.3503% | 260 |
| Noninterest income to average assets | 1.7042% | 469 |
| Noninterest expense to average assets | 5.4135% | 519 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0229% | 2,461 |
| Return on assets (ROA) | 1.0730% | 2,162 |
| Pretax return on assets | 1.0730% | 3,124 |
| Return on Equity (ROE) | 6.3240% | 3,818 |
| Retained earnings to average equity (ytd only) | 2.3852% | 3,716 |
| Net charge-offs to loans | 0.3891% | 2,875 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 5.5657% | 3,604 |
| Efficiency ratio | 84.1073% | 2,043 |
| Assets per employee ($millions) | 1.4973% | 8,162 |
| Cash dividends to net income (ytd only)* | 62.2837% | 2,565 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2333% | 915 |
| Loan loss allowance to noncurrent loans | 75.2926% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 1.5106% | 3,196 |
| Noncurrent loans to loans | 2.9661% | 1,813 |
| Net loans and leases to total assets | 49.7908% | 7,050 |
| Net loans and leases to deposits | 63.8560% | 6,811 |
| Net loans and leases to core deposits | 69.9672% | 7,190 |
| Total domestic deposits to total assets | 77.9736% | 5,726 |
| Equity capital to assets | 18.8481% | 565 |
| Core capital (leverage) ratio | 18.6670% | 541 |
| Tier 1 risk-based capital ratio | 36.3437% | 413 |
| Total risk-based capital ratio | 37.6065% | 408 |
| Memoranda: |
| Average total assets | $53,865,600 | 6,626 |
| Average earning assets | $47,642,000 | 6,681 |
| Average equity | $9,139,800 | 5,694 |
| Average total loans | $25,441,600 | 6,999 |
