| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6937% | 2,695 |
| Cost of funding earning assets | 1.5855% | 1,727 |
| Net interest margin | 3.1082% | 3,084 |
| Noninterest income to average assets | 1.6900% | 326 |
| Noninterest expense to average assets | 4.1201% | 338 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 0.3604% | 3,941 |
| Return on assets (ROA) | 0.3604% | 3,935 |
| Pretax return on assets | 0.3502% | 4,036 |
| Return on Equity (ROE) | 21.8400% | 469 |
| Retained earnings to average equity (ytd only) | 17.9315% | 198 |
| Net charge-offs to loans | -0.0662% | 4,431 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 93.0035% | 329 |
| Assets per employee ($millions) | 3.9819% | 4,164 |
| Cash dividends to net income (ytd only)* | 17.8838% | 3,011 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2190% | 2,185 |
| Loan loss allowance to noncurrent loans | 310.3093% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.4731% | 1,181 |
| Noncurrent loans to loans | 0.3928% | 1,806 |
| Net loans and leases to total assets | 49.0100% | 3,658 |
| Net loans and leases to deposits | 62.1652% | 3,397 |
| Net loans and leases to core deposits | 68.4157% | 3,379 |
| Total domestic deposits to total assets | 78.8300% | 3,632 |
| Equity capital to assets | 2.2306% | 4,564 |
| Core capital (leverage) ratio | 7.0745% | 4,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6383% | 2,863 |
| Memoranda: |
| Average total assets | $186,160,000 | 3,083 |
| Average earning assets | $163,923,000 | 3,143 |
| Average equity | $3,072,800 | 4,422 |
| Average total loans | $87,619,000 | 3,323 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5567% | 2,788 |
| Cost of funding earning assets | 1.4576% | 1,716 |
| Net interest margin | 3.0991% | 3,142 |
| Noninterest income to average assets | 1.8200% | 316 |
| Noninterest expense to average assets | 4.1546% | 327 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3958% | 3,973 |
| Return on assets (ROA) | 0.3958% | 3,971 |
| Pretax return on assets | 0.3958% | 4,070 |
| Return on Equity (ROE) | 26.5100% | 329 |
| Retained earnings to average equity (ytd only) | 20.6532% | 236 |
| Net charge-offs to loans | -0.0849% | 4,471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 91.3023% | 341 |
| Assets per employee ($millions) | 3.9201% | 4,201 |
| Cash dividends to net income (ytd only)* | 22.0994% | 2,380 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4330% | 1,319 |
| Loan loss allowance to noncurrent loans | 351.2397% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.1852% | 2,355 |
| Noncurrent loans to loans | 0.4080% | 1,812 |
| Net loans and leases to total assets | 44.7400% | 3,887 |
| Net loans and leases to deposits | 54.2007% | 3,781 |
| Net loans and leases to core deposits | 57.5523% | 3,795 |
| Total domestic deposits to total assets | 82.5500% | 3,106 |
| Equity capital to assets | 0.8117% | 4,580 |
| Core capital (leverage) ratio | 6.9947% | 4,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2355% | 2,777 |
| Memoranda: |
| Average total assets | $182,926,750 | 3,111 |
| Average earning assets | $160,901,500 | 3,175 |
| Average equity | $2,730,750 | 4,465 |
| Average total loans | $84,831,000 | 3,361 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3273% | 3,045 |
| Cost of funding earning assets | 1.2973% | 1,715 |
| Net interest margin | 3.0300% | 3,353 |
| Noninterest income to average assets | 2.0600% | 232 |
| Noninterest expense to average assets | 4.2460% | 301 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4749% | 3,862 |
| Return on assets (ROA) | 0.4749% | 3,866 |
| Pretax return on assets | 0.4749% | 4,010 |
| Return on Equity (ROE) | 27.2600% | 285 |
| Retained earnings to average equity (ytd only) | 23.4033% | 157 |
| Net charge-offs to loans | -0.1414% | 4,562 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 89.9407% | 356 |
| Assets per employee ($millions) | 3.6673% | 4,300 |
| Cash dividends to net income (ytd only)* | 14.1509% | 2,613 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5141% | 1,137 |
| Loan loss allowance to noncurrent loans | 280.7018% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.2845% | 1,782 |
| Noncurrent loans to loans | 0.5394% | 1,379 |
| Net loans and leases to total assets | 42.8400% | 3,926 |
| Net loans and leases to deposits | 52.4014% | 3,822 |
| Net loans and leases to core deposits | 55.1844% | 3,839 |
| Total domestic deposits to total assets | 81.7500% | 3,280 |
| Equity capital to assets | 1.6978% | 4,612 |
| Core capital (leverage) ratio | 7.2066% | 4,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4669% | 2,773 |
| Memoranda: |
| Average total assets | $178,567,667 | 3,148 |
| Average earning assets | $156,634,000 | 3,213 |
| Average equity | $3,110,667 | 4,463 |
| Average total loans | $83,449,333 | 3,375 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9919% | 3,466 |
| Cost of funding earning assets | 0.8418% | 2,562 |
| Net interest margin | 3.1501% | 3,233 |
| Noninterest income to average assets | 2.0100% | 228 |
| Noninterest expense to average assets | 4.3242% | 301 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4383% | 4,022 |
| Return on assets (ROA) | 0.4383% | 3,974 |
| Pretax return on assets | 0.4383% | 4,072 |
| Return on Equity (ROE) | 24.8000% | 416 |
| Retained earnings to average equity (ytd only) | 24.8011% | 184 |
| Net charge-offs to loans | -0.2461% | 4,611 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 90.7972% | 331 |
| Assets per employee ($millions) | 3.2703% | 4,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5814% | 1,046 |
| Loan loss allowance to noncurrent loans | 277.1242% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 1,593 |
| Noncurrent loans to loans | 0.5707% | 1,303 |
| Net loans and leases to total assets | 44.8300% | 3,830 |
| Net loans and leases to deposits | 52.4502% | 3,770 |
| Net loans and leases to core deposits | 54.8236% | 3,802 |
| Total domestic deposits to total assets | 85.4600% | 2,735 |
| Equity capital to assets | 2.1609% | 4,630 |
| Core capital (leverage) ratio | 8.1091% | 4,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9790% | 2,734 |
| Memoranda: |
| Average total assets | $170,668,000 | 3,254 |
| Average earning assets | $149,201,500 | 3,324 |
| Average equity | $3,016,000 | 4,536 |
| Average total loans | $82,904,000 | 3,418 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7987% | 2,282 |
| Cost of funding earning assets | 0.2695% | 3,159 |
| Net interest margin | 3.5293% | 1,842 |
| Noninterest income to average assets | 2.0900% | 234 |
| Noninterest expense to average assets | 4.5770% | 253 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5596% | 3,967 |
| Return on assets (ROA) | 0.5577% | 3,939 |
| Pretax return on assets | 0.5584% | 4,091 |
| Return on Equity (ROE) | 15.2600% | 1,192 |
| Retained earnings to average equity (ytd only) | 7.5623% | 2,002 |
| Net charge-offs to loans | -0.0155% | 3,966 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 89.0944% | 325 |
| Assets per employee ($millions) | 2.8902% | 4,541 |
| Cash dividends to net income (ytd only)* | 50.4484% | 1,362 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4302% | 1,400 |
| Loan loss allowance to noncurrent loans | 319.6335% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.3418% | 1,488 |
| Noncurrent loans to loans | 0.4474% | 1,591 |
| Net loans and leases to total assets | 51.0800% | 3,427 |
| Net loans and leases to deposits | 56.1705% | 3,566 |
| Net loans and leases to core deposits | 59.8864% | 3,511 |
| Total domestic deposits to total assets | 90.9400% | 982 |
| Equity capital to assets | 1.3452% | 4,670 |
| Core capital (leverage) ratio | 8.0159% | 4,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6294% | 2,834 |
| Memoranda: |
| Average total assets | $159,929,800 | 3,346 |
| Average earning assets | $138,046,200 | 3,439 |
| Average equity | $5,844,800 | 4,346 |
| Average total loans | $77,410,600 | 3,445 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6835% | 2,085 |
| Cost of funding earning assets | 0.1455% | 3,893 |
| Net interest margin | 3.5380% | 1,551 |
| Noninterest income to average assets | 2.2000% | 241 |
| Noninterest expense to average assets | 4.6502% | 239 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5888% | 3,858 |
| Return on assets (ROA) | 0.5863% | 3,825 |
| Pretax return on assets | 0.5872% | 4,013 |
| Return on Equity (ROE) | 13.7800% | 1,488 |
| Retained earnings to average equity (ytd only) | 8.8465% | 1,706 |
| Net charge-offs to loans | 0.0053% | 1,975 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 234.0000% | 567 |
| Efficiency ratio | 88.7464% | 361 |
| Assets per employee ($millions) | 2.7039% | 4,601 |
| Cash dividends to net income (ytd only)* | 35.8166% | 1,767 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5693% | 1,124 |
| Loan loss allowance to noncurrent loans | 252.8302% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.3584% | 1,514 |
| Noncurrent loans to loans | 0.6207% | 1,309 |
| Net loans and leases to total assets | 48.2300% | 3,607 |
| Net loans and leases to deposits | 49.0183% | 3,914 |
| Net loans and leases to core deposits | 51.1710% | 3,894 |
| Total domestic deposits to total assets | 98.4000% | 42 |
| Equity capital to assets | 1.2912% | 4,685 |
| Core capital (leverage) ratio | 8.3753% | 4,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5080% | 2,650 |
| Memoranda: |
| Average total assets | $158,727,500 | 3,377 |
| Average earning assets | $136,569,000 | 3,481 |
| Average equity | $6,752,000 | 4,286 |
| Average total loans | $75,419,750 | 3,489 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5498% | 1,993 |
| Cost of funding earning assets | 0.1384% | 3,730 |
| Net interest margin | 3.4114% | 1,567 |
| Noninterest income to average assets | 2.2879% | 200 |
| Noninterest expense to average assets | 4.4339% | 221 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7907% | 2,995 |
| Return on assets (ROA) | 0.7768% | 3,004 |
| Pretax return on assets | 0.7781% | 3,382 |
| Return on Equity (ROE) | 14.8661% | 921 |
| Retained earnings to average equity (ytd only) | 14.8661% | 277 |
| Net charge-offs to loans | 0.0881% | 629 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 19.1212% | 1,565 |
| Efficiency ratio | 84.8463% | 632 |
| Assets per employee ($millions) | 2.6677% | 4,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5586% | 1,250 |
| Loan loss allowance to noncurrent loans | 310.2902% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.2948% | 1,824 |
| Noncurrent loans to loans | 0.5023% | 1,621 |
| Net loans and leases to total assets | 47.1924% | 3,615 |
| Net loans and leases to deposits | 48.8529% | 3,870 |
| Net loans and leases to core deposits | 50.2568% | 3,923 |
| Total domestic deposits to total assets | 96.6008% | 64 |
| Equity capital to assets | 3.1647% | 4,682 |
| Core capital (leverage) ratio | 8.3126% | 4,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6438% | 2,635 |
| Memoranda: |
| Average total assets | $159,361,667 | 3,415 |
| Average earning assets | $137,246,667 | 3,521 |
| Average equity | $8,327,667 | 4,166 |
| Average total loans | $74,943,000 | 3,531 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4387% | 1,975 |
| Cost of funding earning assets | 0.1421% | 3,599 |
| Net interest margin | 3.2966% | 1,570 |
| Noninterest income to average assets | 3.1931% | 151 |
| Noninterest expense to average assets | 5.2262% | 162 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8008% | 2,653 |
| Return on assets (ROA) | 0.8008% | 2,649 |
| Pretax return on assets | 0.8033% | 3,102 |
| Return on Equity (ROE) | 12.8387% | 1,078 |
| Retained earnings to average equity (ytd only) | 12.8387% | 484 |
| Net charge-offs to loans | 0.0910% | 558 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 18.9412% | 1,296 |
| Efficiency ratio | 86.6777% | 696 |
| Assets per employee ($millions) | 2.6633% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6164% | 1,224 |
| Loan loss allowance to noncurrent loans | 244.2623% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.3586% | 1,674 |
| Noncurrent loans to loans | 0.6617% | 1,431 |
| Net loans and leases to total assets | 45.4027% | 3,631 |
| Net loans and leases to deposits | 47.9284% | 3,869 |
| Net loans and leases to core deposits | 49.3045% | 3,905 |
| Total domestic deposits to total assets | 94.7303% | 58 |
| Equity capital to assets | 5.0651% | 4,716 |
| Core capital (leverage) ratio | 8.3347% | 4,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1137% | 2,570 |
| Memoranda: |
| Average total assets | $160,346,500 | 3,419 |
| Average earning assets | $137,960,000 | 3,524 |
| Average equity | $10,001,000 | 4,055 |
| Average total loans | $74,688,000 | 3,544 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7548% | 1,971 |
| Cost of funding earning assets | 0.1822% | 3,633 |
| Net interest margin | 3.5725% | 1,543 |
| Noninterest income to average assets | 2.8834% | 196 |
| Noninterest expense to average assets | 5.5749% | 145 |
| Loan and lease loss provision to assets | -0.1887% | 4,681 |
| Net operating income to assets | 0.5613% | 3,957 |
| Return on assets (ROA) | 0.7076% | 3,659 |
| Pretax return on assets | 0.7152% | 3,902 |
| Return on Equity (ROE) | 9.2240% | 2,817 |
| Retained earnings to average equity (ytd only) | 4.7145% | 2,912 |
| Net charge-offs to loans | -0.0551% | 4,366 |
| Credit loss provision to net charge-offs | 769.2308% | 618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6397% | 239 |
| Assets per employee ($millions) | 2.5140% | 4,743 |
| Cash dividends to net income (ytd only)* | 48.8889% | 1,571 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5986% | 1,259 |
| Loan loss allowance to noncurrent loans | 276.0274% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.4898% | 1,362 |
| Noncurrent loans to loans | 0.5791% | 1,692 |
| Net loans and leases to total assets | 46.2553% | 3,666 |
| Net loans and leases to deposits | 50.0447% | 3,875 |
| Net loans and leases to core deposits | 51.3223% | 3,943 |
| Total domestic deposits to total assets | 92.4279% | 102 |
| Equity capital to assets | 7.4011% | 4,624 |
| Core capital (leverage) ratio | 8.0256% | 4,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8650% | 2,680 |
| Memoranda: |
| Average total assets | $158,979,800 | 3,402 |
| Average earning assets | $136,626,800 | 3,511 |
| Average equity | $12,196,400 | 3,914 |
| Average total loans | $70,785,200 | 3,631 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6878% | 2,308 |
| Cost of funding earning assets | 0.1919% | 3,700 |
| Net interest margin | 3.4959% | 1,870 |
| Noninterest income to average assets | 2.9593% | 198 |
| Noninterest expense to average assets | 5.4947% | 141 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4625% | 4,270 |
| Return on assets (ROA) | 0.6124% | 4,032 |
| Pretax return on assets | 0.6200% | 4,205 |
| Return on Equity (ROE) | 7.9117% | 3,431 |
| Retained earnings to average equity (ytd only) | 7.9117% | 2,083 |
| Net charge-offs to loans | -0.0671% | 4,466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1428% | 271 |
| Assets per employee ($millions) | 2.4520% | 4,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1340% | 503 |
| Loan loss allowance to noncurrent loans | 301.0000% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.5628% | 1,367 |
| Noncurrent loans to loans | 0.7090% | 1,570 |
| Net loans and leases to total assets | 43.3050% | 4,000 |
| Net loans and leases to deposits | 47.1496% | 4,160 |
| Net loans and leases to core deposits | 48.3625% | 4,220 |
| Total domestic deposits to total assets | 91.8460% | 157 |
| Equity capital to assets | 7.8466% | 4,587 |
| Core capital (leverage) ratio | 8.2132% | 4,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9916% | 2,367 |
| Memoranda: |
| Average total assets | $158,501,250 | 3,446 |
| Average earning assets | $136,193,500 | 3,552 |
| Average equity | $12,268,500 | 3,955 |
| Average total loans | $69,573,750 | 3,711 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7571% | 2,183 |
| Cost of funding earning assets | 0.2059% | 3,691 |
| Net interest margin | 3.5513% | 1,709 |
| Noninterest income to average assets | 2.9341% | 192 |
| Noninterest expense to average assets | 5.4296% | 150 |
| Loan and lease loss provision to assets | 0.0038% | 2,806 |
| Net operating income to assets | 0.5537% | 4,096 |
| Return on assets (ROA) | 0.7370% | 3,734 |
| Pretax return on assets | 0.7370% | 3,995 |
| Return on Equity (ROE) | 9.5657% | 2,928 |
| Retained earnings to average equity (ytd only) | 9.5657% | 1,536 |
| Net charge-offs to loans | -0.0549% | 4,415 |
| Credit loss provision to net charge-offs | -15.7895% | 2,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6883% | 320 |
| Assets per employee ($millions) | 2.4204% | 4,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1701% | 452 |
| Loan loss allowance to noncurrent loans | 251.6020% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.7735% | 1,059 |
| Noncurrent loans to loans | 0.8625% | 1,429 |
| Net loans and leases to total assets | 42.7517% | 4,126 |
| Net loans and leases to deposits | 46.4904% | 4,292 |
| Net loans and leases to core deposits | 47.8715% | 4,334 |
| Total domestic deposits to total assets | 91.9582% | 136 |
| Equity capital to assets | 7.8505% | 4,602 |
| Core capital (leverage) ratio | 8.2461% | 4,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4985% | 2,164 |
| Memoranda: |
| Average total assets | $158,208,000 | 3,448 |
| Average earning assets | $136,007,667 | 3,560 |
| Average equity | $12,189,333 | 3,965 |
| Average total loans | $69,256,667 | 3,738 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7784% | 2,163 |
| Cost of funding earning assets | 0.2224% | 3,707 |
| Net interest margin | 3.5560% | 1,688 |
| Noninterest income to average assets | 2.7759% | 229 |
| Noninterest expense to average assets | 5.2821% | 157 |
| Loan and lease loss provision to assets | 0.0076% | 2,671 |
| Net operating income to assets | 0.5496% | 4,073 |
| Return on assets (ROA) | 0.7690% | 3,588 |
| Pretax return on assets | 0.7690% | 3,868 |
| Return on Equity (ROE) | 10.0756% | 2,668 |
| Retained earnings to average equity (ytd only) | 10.0756% | 1,630 |
| Net charge-offs to loans | -0.0518% | 4,406 |
| Credit loss provision to net charge-offs | -33.3333% | 2,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4577% | 361 |
| Assets per employee ($millions) | 2.5966% | 4,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1180% | 485 |
| Loan loss allowance to noncurrent loans | 241.7618% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.8416% | 1,056 |
| Noncurrent loans to loans | 0.8761% | 1,541 |
| Net loans and leases to total assets | 43.2415% | 4,163 |
| Net loans and leases to deposits | 46.7662% | 4,313 |
| Net loans and leases to core deposits | 48.2300% | 4,364 |
| Total domestic deposits to total assets | 92.4630% | 76 |
| Equity capital to assets | 7.3015% | 4,778 |
| Core capital (leverage) ratio | 7.9819% | 4,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3701% | 2,537 |
| Memoranda: |
| Average total assets | $158,648,500 | 3,451 |
| Average earning assets | $136,670,000 | 3,553 |
| Average equity | $12,108,500 | 3,987 |
| Average total loans | $69,509,000 | 3,750 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8654% | 3,126 |
| Cost of funding earning assets | 0.3860% | 3,669 |
| Net interest margin | 3.4794% | 2,532 |
| Noninterest income to average assets | 2.8482% | 211 |
| Noninterest expense to average assets | 6.0020% | 128 |
| Loan and lease loss provision to assets | -0.1408% | 4,965 |
| Net operating income to assets | -0.0654% | 4,767 |
| Return on assets (ROA) | 0.2815% | 4,522 |
| Pretax return on assets | 0.2815% | 4,571 |
| Return on Equity (ROE) | 3.1759% | 4,332 |
| Retained earnings to average equity (ytd only) | 3.1759% | 3,245 |
| Net charge-offs to loans | -0.0388% | 4,614 |
| Credit loss provision to net charge-offs | 761.5385% | 944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5574% | 146 |
| Assets per employee ($millions) | 2.6492% | 4,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2261% | 386 |
| Loan loss allowance to noncurrent loans | 245.5272% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.8468% | 1,184 |
| Noncurrent loans to loans | 0.9067% | 1,557 |
| Net loans and leases to total assets | 42.4710% | 4,324 |
| Net loans and leases to deposits | 46.2361% | 4,454 |
| Net loans and leases to core deposits | 47.6782% | 4,496 |
| Total domestic deposits to total assets | 91.8566% | 81 |
| Equity capital to assets | 7.9981% | 4,709 |
| Core capital (leverage) ratio | 8.6071% | 4,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3328% | 2,507 |
| Memoranda: |
| Average total assets | $140,652,600 | 3,502 |
| Average earning assets | $119,160,000 | 3,627 |
| Average equity | $12,468,800 | 3,925 |
| Average total loans | $67,041,600 | 3,793 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9751% | 3,046 |
| Cost of funding earning assets | 0.4350% | 3,610 |
| Net interest margin | 3.5401% | 2,456 |
| Noninterest income to average assets | 2.8757% | 198 |
| Noninterest expense to average assets | 6.1904% | 123 |
| Loan and lease loss provision to assets | -0.1933% | 5,009 |
| Net operating income to assets | -0.1391% | 4,824 |
| Return on assets (ROA) | 0.3371% | 4,436 |
| Pretax return on assets | 0.3371% | 4,508 |
| Return on Equity (ROE) | 3.6965% | 4,242 |
| Retained earnings to average equity (ytd only) | 3.6965% | 3,196 |
| Net charge-offs to loans | -0.0521% | 4,690 |
| Credit loss provision to net charge-offs | 757.6923% | 1,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6698% | 128 |
| Assets per employee ($millions) | 2.3864% | 4,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1245% | 400 |
| Loan loss allowance to noncurrent loans | 165.5793% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 1.5414% | 546 |
| Noncurrent loans to loans | 1.2831% | 1,160 |
| Net loans and leases to total assets | 47.3638% | 4,248 |
| Net loans and leases to deposits | 52.1329% | 4,409 |
| Net loans and leases to core deposits | 53.4683% | 4,473 |
| Total domestic deposits to total assets | 90.8521% | 203 |
| Equity capital to assets | 8.8664% | 4,205 |
| Core capital (leverage) ratio | 8.6551% | 4,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5898% | 1,966 |
| Memoranda: |
| Average total assets | $136,078,000 | 3,554 |
| Average earning assets | $114,644,250 | 3,684 |
| Average equity | $12,407,750 | 3,936 |
| Average total loans | $66,540,750 | 3,817 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1807% | 2,823 |
| Cost of funding earning assets | 0.4887% | 3,599 |
| Net interest margin | 3.6920% | 2,192 |
| Noninterest income to average assets | 2.8838% | 170 |
| Noninterest expense to average assets | 6.2703% | 126 |
| Loan and lease loss provision to assets | 0.0045% | 4,113 |
| Net operating income to assets | -0.2947% | 4,875 |
| Return on assets (ROA) | 0.3380% | 4,409 |
| Pretax return on assets | 0.3380% | 4,486 |
| Return on Equity (ROE) | 3.6712% | 4,200 |
| Retained earnings to average equity (ytd only) | 3.6712% | 3,079 |
| Net charge-offs to loans | -0.0701% | 4,766 |
| Credit loss provision to net charge-offs | -13.0435% | 3,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.8524% | 139 |
| Assets per employee ($millions) | 2.3703% | 4,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3908% | 251 |
| Loan loss allowance to noncurrent loans | 182.5849% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 1.5700% | 576 |
| Noncurrent loans to loans | 1.3094% | 1,180 |
| Net loans and leases to total assets | 47.0710% | 4,310 |
| Net loans and leases to deposits | 51.6989% | 4,458 |
| Net loans and leases to core deposits | 53.3436% | 4,516 |
| Total domestic deposits to total assets | 91.0484% | 139 |
| Equity capital to assets | 8.6881% | 4,364 |
| Core capital (leverage) ratio | 8.7276% | 4,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6896% | 1,932 |
| Memoranda: |
| Average total assets | $133,710,333 | 3,556 |
| Average earning assets | $112,134,667 | 3,707 |
| Average equity | $12,312,000 | 3,944 |
| Average total loans | $65,625,000 | 3,840 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3545% | 2,760 |
| Cost of funding earning assets | 0.5569% | 3,653 |
| Net interest margin | 3.7976% | 1,982 |
| Noninterest income to average assets | 2.9562% | 156 |
| Noninterest expense to average assets | 6.6016% | 134 |
| Loan and lease loss provision to assets | 0.0031% | 3,697 |
| Net operating income to assets | -0.4802% | 4,925 |
| Return on assets (ROA) | 0.2651% | 4,444 |
| Pretax return on assets | 0.2651% | 4,502 |
| Return on Equity (ROE) | 2.7899% | 4,268 |
| Retained earnings to average equity (ytd only) | 2.7899% | 3,161 |
| Net charge-offs to loans | -0.1133% | 4,843 |
| Credit loss provision to net charge-offs | -5.5556% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7902% | 157 |
| Assets per employee ($millions) | 1.8589% | 5,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5901% | 217 |
| Loan loss allowance to noncurrent loans | 196.1085% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 1.7168% | 565 |
| Noncurrent loans to loans | 1.3208% | 1,232 |
| Net loans and leases to total assets | 48.0626% | 4,335 |
| Net loans and leases to deposits | 53.1336% | 4,481 |
| Net loans and leases to core deposits | 55.1512% | 4,525 |
| Total domestic deposits to total assets | 90.4562% | 206 |
| Equity capital to assets | 9.3463% | 4,355 |
| Core capital (leverage) ratio | 9.5255% | 3,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7479% | 1,672 |
| Memoranda: |
| Average total assets | $128,271,500 | 3,605 |
| Average earning assets | $107,015,500 | 3,767 |
| Average equity | $12,187,000 | 3,973 |
| Average total loans | $63,574,500 | 3,891 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8101% | 2,016 |
| Cost of funding earning assets | 0.6287% | 3,513 |
| Net interest margin | 4.1814% | 1,354 |
| Noninterest income to average assets | 2.7777% | 173 |
| Noninterest expense to average assets | 6.6331% | 120 |
| Loan and lease loss provision to assets | -0.8894% | 5,176 |
| Net operating income to assets | 0.4921% | 4,420 |
| Return on assets (ROA) | 0.5546% | 4,333 |
| Pretax return on assets | 0.5546% | 4,482 |
| Return on Equity (ROE) | 6.1700% | 3,856 |
| Retained earnings to average equity (ytd only) | 6.1700% | 1,781 |
| Net charge-offs to loans | 0.1793% | 1,123 |
| Credit loss provision to net charge-offs | -985.4701% | 4,519 |
| Earnings coverage of net charge-offs (x) | -4.4017% | 3,678 |
| Efficiency ratio | 106.3706% | 123 |
| Assets per employee ($millions) | 1.8060% | 5,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6103% | 183 |
| Loan loss allowance to noncurrent loans | 156.7748% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 1.9254% | 421 |
| Noncurrent loans to loans | 1.6650% | 828 |
| Net loans and leases to total assets | 48.4911% | 4,404 |
| Net loans and leases to deposits | 53.8087% | 4,539 |
| Net loans and leases to core deposits | 56.0425% | 4,579 |
| Total domestic deposits to total assets | 90.1176% | 290 |
| Equity capital to assets | 9.6601% | 4,211 |
| Core capital (leverage) ratio | 9.4095% | 4,159 |
| Tier 1 risk-based capital ratio | 14.6606% | 2,926 |
| Total risk-based capital ratio | 15.9187% | 2,834 |
| Memoranda: |
| Average total assets | $129,637,600 | 3,568 |
| Average earning assets | $107,213,000 | 3,755 |
| Average equity | $11,653,200 | 4,041 |
| Average total loans | $65,248,600 | 3,879 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8423% | 1,995 |
| Cost of funding earning assets | 0.6350% | 3,515 |
| Net interest margin | 4.2073% | 1,365 |
| Noninterest income to average assets | 2.8681% | 164 |
| Noninterest expense to average assets | 6.5181% | 123 |
| Loan and lease loss provision to assets | -0.7175% | 5,251 |
| Net operating income to assets | 0.5417% | 4,425 |
| Return on assets (ROA) | 0.6123% | 4,314 |
| Pretax return on assets | 0.6123% | 4,519 |
| Return on Equity (ROE) | 6.9366% | 3,703 |
| Retained earnings to average equity (ytd only) | 6.9366% | 1,892 |
| Net charge-offs to loans | 0.2390% | 747 |
| Credit loss provision to net charge-offs | -594.9153% | 4,355 |
| Earnings coverage of net charge-offs (x) | -1.4576% | 3,396 |
| Efficiency ratio | 102.7720% | 134 |
| Assets per employee ($millions) | 1.8615% | 5,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3801% | 97 |
| Loan loss allowance to noncurrent loans | 221.8220% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 2.1488% | 383 |
| Noncurrent loans to loans | 1.5238% | 988 |
| Net loans and leases to total assets | 45.9361% | 4,599 |
| Net loans and leases to deposits | 51.3010% | 4,733 |
| Net loans and leases to core deposits | 53.3699% | 4,764 |
| Total domestic deposits to total assets | 89.5422% | 434 |
| Equity capital to assets | 9.3105% | 4,589 |
| Core capital (leverage) ratio | 9.2213% | 4,459 |
| Tier 1 risk-based capital ratio | 14.6001% | 3,025 |
| Total risk-based capital ratio | 15.8656% | 2,948 |
| Memoranda: |
| Average total assets | $130,442,750 | 3,594 |
| Average earning assets | $107,714,500 | 3,796 |
| Average equity | $11,513,500 | 4,094 |
| Average total loans | $65,824,750 | 3,908 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7536% | 2,210 |
| Cost of funding earning assets | 0.6377% | 3,472 |
| Net interest margin | 4.1160% | 1,567 |
| Noninterest income to average assets | 3.2325% | 136 |
| Noninterest expense to average assets | 6.2565% | 133 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3694% | 4,777 |
| Return on assets (ROA) | 0.4751% | 4,610 |
| Pretax return on assets | 0.4751% | 4,728 |
| Return on Equity (ROE) | 5.4832% | 4,207 |
| Retained earnings to average equity (ytd only) | 5.4832% | 2,527 |
| Net charge-offs to loans | 0.0566% | 1,834 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 12.6842% | 2,140 |
| Efficiency ratio | 94.4252% | 230 |
| Assets per employee ($millions) | 1.8749% | 5,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.4805% | 47 |
| Loan loss allowance to noncurrent loans | 197.7459% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 3.1957% | 170 |
| Noncurrent loans to loans | 2.2658% | 583 |
| Net loans and leases to total assets | 47.0276% | 4,599 |
| Net loans and leases to deposits | 52.4563% | 4,725 |
| Net loans and leases to core deposits | 54.5452% | 4,763 |
| Total domestic deposits to total assets | 89.6510% | 429 |
| Equity capital to assets | 8.9454% | 4,824 |
| Core capital (leverage) ratio | 8.9294% | 4,691 |
| Tier 1 risk-based capital ratio | 13.7709% | 3,440 |
| Total risk-based capital ratio | 15.0470% | 3,321 |
| Memoranda: |
| Average total assets | $130,488,670 | 3,613 |
| Average earning assets | $107,581,330 | 3,813 |
| Average equity | $11,307,330 | 4,131 |
| Average total loans | $67,116,000 | 3,904 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6997% | 2,225 |
| Cost of funding earning assets | 0.6495% | 3,327 |
| Net interest margin | 4.0502% | 1,686 |
| Noninterest income to average assets | 3.4278% | 121 |
| Noninterest expense to average assets | 6.3852% | 122 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3781% | 4,771 |
| Return on assets (ROA) | 0.4089% | 4,726 |
| Pretax return on assets | 0.4089% | 4,829 |
| Return on Equity (ROE) | 4.7967% | 4,385 |
| Retained earnings to average equity (ytd only) | 4.7967% | 2,998 |
| Net charge-offs to loans | 0.3627% | 431 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1.9839% | 2,540 |
| Efficiency ratio | 94.4091% | 262 |
| Assets per employee ($millions) | 1.9005% | 5,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2658% | 53 |
| Loan loss allowance to noncurrent loans | 147.6190% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 3.7321% | 131 |
| Noncurrent loans to loans | 2.8897% | 395 |
| Net loans and leases to total assets | 48.1118% | 4,580 |
| Net loans and leases to deposits | 53.0541% | 4,712 |
| Net loans and leases to core deposits | 55.1188% | 4,748 |
| Total domestic deposits to total assets | 90.6843% | 231 |
| Equity capital to assets | 8.5309% | 4,968 |
| Core capital (leverage) ratio | 8.8884% | 4,730 |
| Tier 1 risk-based capital ratio | 13.0621% | 3,847 |
| Total risk-based capital ratio | 14.3364% | 3,745 |
| Memoranda: |
| Average total assets | $130,113,000 | 3,656 |
| Average earning assets | $107,155,500 | 3,858 |
| Average equity | $11,091,000 | 4,178 |
| Average total loans | $68,367,000 | 3,905 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8768% | 1,349 |
| Cost of funding earning assets | 0.5991% | 2,726 |
| Net interest margin | 4.2777% | 1,207 |
| Noninterest income to average assets | 2.5056% | 196 |
| Noninterest expense to average assets | 6.5935% | 113 |
| Loan and lease loss provision to assets | 0.0772% | 2,584 |
| Net operating income to assets | -0.6339% | 5,327 |
| Return on assets (ROA) | -0.6339% | 5,321 |
| Pretax return on assets | -0.6339% | 5,320 |
| Return on Equity (ROE) | -7.8809% | 5,334 |
| Retained earnings to average equity (ytd only) | -7.8809% | 5,292 |
| Net charge-offs to loans | -0.0394% | 4,893 |
| Credit loss provision to net charge-offs | -337.5000% | 4,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.2222% | 87 |
| Assets per employee ($millions) | 1.8170% | 5,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1702% | 52 |
| Loan loss allowance to noncurrent loans | 165.2864% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 4.0631% | 110 |
| Noncurrent loans to loans | 2.5230% | 480 |
| Net loans and leases to total assets | 52.6472% | 4,378 |
| Net loans and leases to deposits | 57.8844% | 4,581 |
| Net loans and leases to core deposits | 60.0802% | 4,628 |
| Total domestic deposits to total assets | 90.9523% | 215 |
| Equity capital to assets | 8.5170% | 4,924 |
| Core capital (leverage) ratio | 8.7783% | 4,826 |
| Tier 1 risk-based capital ratio | 13.0682% | 3,808 |
| Total risk-based capital ratio | 14.3431% | 3,683 |
| Memoranda: |
| Average total assets | $139,925,200 | 3,506 |
| Average earning assets | $115,506,800 | 3,725 |
| Average equity | $11,255,000 | 4,124 |
| Average total loans | $81,129,200 | 3,644 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8219% | 1,370 |
| Cost of funding earning assets | 0.5968% | 2,493 |
| Net interest margin | 4.2251% | 1,295 |
| Noninterest income to average assets | 2.4531% | 211 |
| Noninterest expense to average assets | 6.4090% | 120 |
| Loan and lease loss provision to assets | 0.0932% | 2,116 |
| Net operating income to assets | -0.5534% | 5,391 |
| Return on assets (ROA) | -0.5534% | 5,386 |
| Pretax return on assets | -0.5534% | 5,386 |
| Return on Equity (ROE) | -6.9713% | 5,407 |
| Retained earnings to average equity (ytd only) | -6.9713% | 5,353 |
| Net charge-offs to loans | -0.0206% | 4,638 |
| Credit loss provision to net charge-offs | -769.2308% | 4,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7369% | 95 |
| Assets per employee ($millions) | 1.8969% | 5,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8926% | 68 |
| Loan loss allowance to noncurrent loans | 134.7177% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 4.4508% | 104 |
| Noncurrent loans to loans | 2.8895% | 391 |
| Net loans and leases to total assets | 53.6796% | 4,382 |
| Net loans and leases to deposits | 59.1856% | 4,589 |
| Net loans and leases to core deposits | 61.4675% | 4,639 |
| Total domestic deposits to total assets | 90.6971% | 294 |
| Equity capital to assets | 8.1605% | 5,105 |
| Core capital (leverage) ratio | 8.6570% | 4,998 |
| Tier 1 risk-based capital ratio | 12.8691% | 3,982 |
| Total risk-based capital ratio | 14.1426% | 3,870 |
| Memoranda: |
| Average total assets | $143,108,500 | 3,504 |
| Average earning assets | $118,400,250 | 3,712 |
| Average equity | $11,360,500 | 4,145 |
| Average total loans | $83,942,250 | 3,627 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7317% | 1,425 |
| Cost of funding earning assets | 0.6079% | 2,172 |
| Net interest margin | 4.1238% | 1,480 |
| Noninterest income to average assets | 2.4715% | 211 |
| Noninterest expense to average assets | 6.2041% | 131 |
| Loan and lease loss provision to assets | 0.1092% | 1,798 |
| Net operating income to assets | -0.4162% | 5,431 |
| Return on assets (ROA) | -0.4162% | 5,425 |
| Pretax return on assets | -0.4162% | 5,421 |
| Return on Equity (ROE) | -5.2881% | 5,442 |
| Retained earnings to average equity (ytd only) | -5.2881% | 5,305 |
| Net charge-offs to loans | -0.2294% | 5,352 |
| Credit loss provision to net charge-offs | -80.0000% | 4,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2071% | 120 |
| Assets per employee ($millions) | 2.0505% | 5,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6022% | 75 |
| Loan loss allowance to noncurrent loans | 134.5786% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 3.9676% | 139 |
| Noncurrent loans to loans | 2.6767% | 457 |
| Net loans and leases to total assets | 55.0736% | 4,237 |
| Net loans and leases to deposits | 60.2014% | 4,520 |
| Net loans and leases to core deposits | 62.7274% | 4,573 |
| Total domestic deposits to total assets | 91.4823% | 155 |
| Equity capital to assets | 7.8649% | 5,271 |
| Core capital (leverage) ratio | 8.2458% | 5,237 |
| Tier 1 risk-based capital ratio | 11.7430% | 4,661 |
| Total risk-based capital ratio | 13.0125% | 4,521 |
| Memoranda: |
| Average total assets | $146,549,330 | 3,483 |
| Average earning assets | $121,733,000 | 3,673 |
| Average equity | $11,535,330 | 4,149 |
| Average total loans | $87,201,000 | 3,578 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6159% | 1,519 |
| Cost of funding earning assets | 0.6079% | 2,006 |
| Net interest margin | 4.0080% | 1,703 |
| Noninterest income to average assets | 2.5639% | 191 |
| Noninterest expense to average assets | 6.2949% | 133 |
| Loan and lease loss provision to assets | 0.1783% | 969 |
| Net operating income to assets | -0.5782% | 5,509 |
| Return on assets (ROA) | -0.5782% | 5,507 |
| Pretax return on assets | -0.5782% | 5,503 |
| Return on Equity (ROE) | -7.3423% | 5,520 |
| Retained earnings to average equity (ytd only) | -7.3423% | 5,291 |
| Net charge-offs to loans | 0.4365% | 351 |
| Credit loss provision to net charge-offs | 67.3469% | 1,847 |
| Earnings coverage of net charge-offs (x) | -1.5102% | 2,675 |
| Efficiency ratio | 106.7828% | 121 |
| Assets per employee ($millions) | 1.8454% | 5,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0800% | 145 |
| Loan loss allowance to noncurrent loans | 128.7929% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 4.0546% | 153 |
| Noncurrent loans to loans | 2.3914% | 583 |
| Net loans and leases to total assets | 58.4445% | 3,900 |
| Net loans and leases to deposits | 63.9306% | 4,214 |
| Net loans and leases to core deposits | 66.5335% | 4,279 |
| Total domestic deposits to total assets | 91.4186% | 202 |
| Equity capital to assets | 7.7421% | 5,349 |
| Core capital (leverage) ratio | 8.1980% | 5,316 |
| Tier 1 risk-based capital ratio | 11.6114% | 4,796 |
| Total risk-based capital ratio | 12.8784% | 4,679 |
| Memoranda: |
| Average total assets | $148,055,500 | 3,489 |
| Average earning assets | $123,052,500 | 3,696 |
| Average equity | $11,658,500 | 4,170 |
| Average total loans | $89,799,000 | 3,547 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8580% | 877 |
| Cost of funding earning assets | 0.6249% | 1,435 |
| Net interest margin | 4.2331% | 1,118 |
| Noninterest income to average assets | 2.4855% | 221 |
| Noninterest expense to average assets | 6.5783% | 131 |
| Loan and lease loss provision to assets | 2.5615% | 25 |
| Net operating income to assets | -3.1183% | 5,650 |
| Return on assets (ROA) | -3.1099% | 5,650 |
| Pretax return on assets | -3.1099% | 5,651 |
| Return on Equity (ROE) | -37.9180% | 5,658 |
| Retained earnings to average equity (ytd only) | -37.9180% | 5,652 |
| Net charge-offs to loans | 3.7686% | 30 |
| Credit loss provision to net charge-offs | 100.7298% | 2,543 |
| Earnings coverage of net charge-offs (x) | -0.2189% | 4,024 |
| Efficiency ratio | 109.2455% | 109 |
| Assets per employee ($millions) | 1.8560% | 5,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0628% | 133 |
| Loan loss allowance to noncurrent loans | 91.0404% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 5.0937% | 90 |
| Noncurrent loans to loans | 3.3642% | 307 |
| Net loans and leases to total assets | 59.1324% | 3,910 |
| Net loans and leases to deposits | 64.7750% | 4,274 |
| Net loans and leases to core deposits | 67.5250% | 4,329 |
| Total domestic deposits to total assets | 91.2889% | 179 |
| Equity capital to assets | 8.0060% | 5,392 |
| Core capital (leverage) ratio | 8.1586% | 5,373 |
| Tier 1 risk-based capital ratio | 11.9433% | 4,571 |
| Total risk-based capital ratio | 13.2104% | 4,442 |
| Memoranda: |
| Average total assets | $167,048,000 | 3,275 |
| Average earning assets | $139,543,400 | 3,457 |
| Average equity | $13,700,600 | 3,886 |
| Average total loans | $112,721,200 | 3,149 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9839% | 633 |
| Cost of funding earning assets | 0.6306% | 1,353 |
| Net interest margin | 4.3533% | 815 |
| Noninterest income to average assets | 2.6621% | 214 |
| Noninterest expense to average assets | 6.3756% | 136 |
| Loan and lease loss provision to assets | 3.2795% | 24 |
| Net operating income to assets | -3.3478% | 5,720 |
| Return on assets (ROA) | -3.3369% | 5,720 |
| Pretax return on assets | -3.3369% | 5,720 |
| Return on Equity (ROE) | -40.4775% | 5,725 |
| Retained earnings to average equity (ytd only) | -40.4775% | 5,715 |
| Net charge-offs to loans | 4.4940% | 20 |
| Credit loss provision to net charge-offs | 105.9458% | 2,193 |
| Earnings coverage of net charge-offs (x) | -0.0221% | 3,694 |
| Efficiency ratio | 101.0835% | 163 |
| Assets per employee ($millions) | 1.9648% | 5,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0410% | 149 |
| Loan loss allowance to noncurrent loans | 68.3896% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 5.9936% | 68 |
| Noncurrent loans to loans | 4.4465% | 201 |
| Net loans and leases to total assets | 60.3878% | 3,817 |
| Net loans and leases to deposits | 66.9219% | 4,190 |
| Net loans and leases to core deposits | 69.9525% | 4,243 |
| Total domestic deposits to total assets | 90.2363% | 399 |
| Equity capital to assets | 8.1382% | 5,464 |
| Core capital (leverage) ratio | 7.9186% | 5,538 |
| Tier 1 risk-based capital ratio | 11.6674% | 4,844 |
| Total risk-based capital ratio | 12.9345% | 4,727 |
| Memoranda: |
| Average total assets | $171,690,750 | 3,246 |
| Average earning assets | $143,766,000 | 3,431 |
| Average equity | $14,154,000 | 3,863 |
| Average total loans | $118,258,500 | 3,106 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9417% | 634 |
| Cost of funding earning assets | 0.6444% | 1,176 |
| Net interest margin | 4.2973% | 869 |
| Noninterest income to average assets | 2.0983% | 294 |
| Noninterest expense to average assets | 6.2098% | 148 |
| Loan and lease loss provision to assets | 2.3951% | 33 |
| Net operating income to assets | -2.9027% | 5,769 |
| Return on assets (ROA) | -2.8868% | 5,768 |
| Pretax return on assets | -2.8868% | 5,767 |
| Return on Equity (ROE) | -34.8850% | 5,770 |
| Retained earnings to average equity (ytd only) | -34.8850% | 5,749 |
| Net charge-offs to loans | 2.1544% | 71 |
| Credit loss provision to net charge-offs | 156.9414% | 1,488 |
| Earnings coverage of net charge-offs (x) | -0.3326% | 3,419 |
| Efficiency ratio | 108.9013% | 108 |
| Assets per employee ($millions) | 1.9755% | 5,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0087% | 161 |
| Loan loss allowance to noncurrent loans | 32.4212% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 8.2201% | 38 |
| Noncurrent loans to loans | 9.2800% | 32 |
| Net loans and leases to total assets | 67.3275% | 2,899 |
| Net loans and leases to deposits | 74.8327% | 3,463 |
| Net loans and leases to core deposits | 77.8643% | 3,611 |
| Total domestic deposits to total assets | 89.9707% | 548 |
| Equity capital to assets | 8.3606% | 5,376 |
| Core capital (leverage) ratio | 8.2270% | 5,411 |
| Tier 1 risk-based capital ratio | 13.2730% | 3,822 |
| Total risk-based capital ratio | 14.5483% | 3,722 |
| Memoranda: |
| Average total assets | $176,526,330 | 3,201 |
| Average earning assets | $148,045,330 | 3,395 |
| Average equity | $14,608,000 | 3,810 |
| Average total loans | $125,045,670 | 3,021 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8675% | 667 |
| Cost of funding earning assets | 0.6820% | 918 |
| Net interest margin | 4.1856% | 1,019 |
| Noninterest income to average assets | 1.6971% | 397 |
| Noninterest expense to average assets | 6.1233% | 156 |
| Loan and lease loss provision to assets | 1.2021% | 66 |
| Net operating income to assets | -2.0750% | 5,819 |
| Return on assets (ROA) | -2.0684% | 5,819 |
| Pretax return on assets | -2.0684% | 5,815 |
| Return on Equity (ROE) | -24.8358% | 5,829 |
| Retained earnings to average equity (ytd only) | -24.8358% | 5,772 |
| Net charge-offs to loans | 1.2128% | 145 |
| Credit loss provision to net charge-offs | 138.7755% | 1,269 |
| Earnings coverage of net charge-offs (x) | -1.0077% | 2,878 |
| Efficiency ratio | 116.6246% | 85 |
| Assets per employee ($millions) | 2.0007% | 5,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2822% | 423 |
| Loan loss allowance to noncurrent loans | 27.4045% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 7.3048% | 59 |
| Noncurrent loans to loans | 8.3277% | 56 |
| Net loans and leases to total assets | 68.7719% | 2,561 |
| Net loans and leases to deposits | 76.6669% | 3,117 |
| Net loans and leases to core deposits | 81.1340% | 3,183 |
| Total domestic deposits to total assets | 89.7023% | 790 |
| Equity capital to assets | 8.2817% | 5,363 |
| Core capital (leverage) ratio | 8.3586% | 5,334 |
| Tier 1 risk-based capital ratio | 13.2137% | 3,938 |
| Total risk-based capital ratio | 14.4793% | 3,849 |
| Memoranda: |
| Average total assets | $181,013,000 | 3,176 |
| Average earning assets | $153,671,500 | 3,356 |
| Average equity | $15,075,000 | 3,771 |
| Average total loans | $129,287,500 | 2,972 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8464% | 806 |
| Cost of funding earning assets | 0.9858% | 185 |
| Net interest margin | 3.8606% | 2,097 |
| Noninterest income to average assets | 1.8372% | 384 |
| Noninterest expense to average assets | 5.0585% | 251 |
| Loan and lease loss provision to assets | 1.7697% | 47 |
| Net operating income to assets | -1.6479% | 5,872 |
| Return on assets (ROA) | -1.5563% | 5,869 |
| Pretax return on assets | -1.5563% | 5,865 |
| Return on Equity (ROE) | -18.8944% | 5,876 |
| Retained earnings to average equity (ytd only) | -18.8944% | 5,853 |
| Net charge-offs to loans | 2.2237% | 63 |
| Credit loss provision to net charge-offs | 114.2671% | 2,301 |
| Earnings coverage of net charge-offs (x) | 0.0786% | 4,132 |
| Efficiency ratio | 97.6487% | 260 |
| Assets per employee ($millions) | 2.0219% | 5,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0781% | 567 |
| Loan loss allowance to noncurrent loans | 27.1610% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 7.0205% | 65 |
| Noncurrent loans to loans | 7.6509% | 62 |
| Net loans and leases to total assets | 70.9541% | 2,340 |
| Net loans and leases to deposits | 81.4100% | 2,737 |
| Net loans and leases to core deposits | 91.1673% | 2,378 |
| Total domestic deposits to total assets | 87.1565% | 2,055 |
| Equity capital to assets | 8.3740% | 5,367 |
| Core capital (leverage) ratio | 8.2606% | 5,466 |
| Tier 1 risk-based capital ratio | 13.1698% | 3,965 |
| Total risk-based capital ratio | 14.4325% | 3,881 |
| Memoranda: |
| Average total assets | $198,674,600 | 2,969 |
| Average earning assets | $172,046,600 | 3,090 |
| Average equity | $16,364,600 | 3,643 |
| Average total loans | $138,375,600 | 2,801 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7970% | 903 |
| Cost of funding earning assets | 0.8451% | 393 |
| Net interest margin | 3.9519% | 1,811 |
| Noninterest income to average assets | 1.5998% | 476 |
| Noninterest expense to average assets | 4.8343% | 299 |
| Loan and lease loss provision to assets | 1.2528% | 72 |
| Net operating income to assets | -1.0510% | 5,910 |
| Return on assets (ROA) | -0.9465% | 5,905 |
| Pretax return on assets | -0.9465% | 5,897 |
| Return on Equity (ROE) | -11.5338% | 5,912 |
| Retained earnings to average equity (ytd only) | -11.5338% | 5,858 |
| Net charge-offs to loans | 1.2885% | 120 |
| Credit loss provision to net charge-offs | 140.8721% | 1,858 |
| Earnings coverage of net charge-offs (x) | 0.2269% | 3,812 |
| Efficiency ratio | 95.9932% | 315 |
| Assets per employee ($millions) | 2.2295% | 5,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1060% | 599 |
| Loan loss allowance to noncurrent loans | 30.0979% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 6.7224% | 79 |
| Noncurrent loans to loans | 6.9973% | 83 |
| Net loans and leases to total assets | 66.2291% | 3,084 |
| Net loans and leases to deposits | 80.9998% | 2,852 |
| Net loans and leases to core deposits | 90.8248% | 2,495 |
| Total domestic deposits to total assets | 81.7645% | 4,020 |
| Equity capital to assets | 8.0819% | 5,714 |
| Core capital (leverage) ratio | 8.0403% | 5,666 |
| Tier 1 risk-based capital ratio | 12.7909% | 4,281 |
| Total risk-based capital ratio | 14.0538% | 4,187 |
| Memoranda: |
| Average total assets | $202,851,500 | 2,936 |
| Average earning assets | $176,382,000 | 3,060 |
| Average equity | $16,646,250 | 3,631 |
| Average total loans | $140,006,250 | 2,785 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8275% | 838 |
| Cost of funding earning assets | 0.8374% | 402 |
| Net interest margin | 3.9901% | 1,674 |
| Noninterest income to average assets | 1.4147% | 577 |
| Noninterest expense to average assets | 4.7263% | 321 |
| Loan and lease loss provision to assets | 0.5668% | 207 |
| Net operating income to assets | -0.3959% | 5,901 |
| Return on assets (ROA) | -0.3910% | 5,910 |
| Pretax return on assets | -0.3910% | 5,903 |
| Return on Equity (ROE) | -4.7411% | 5,927 |
| Retained earnings to average equity (ytd only) | -4.7411% | 5,741 |
| Net charge-offs to loans | 0.6774% | 302 |
| Credit loss provision to net charge-offs | 120.4593% | 1,860 |
| Earnings coverage of net charge-offs (x) | 0.3633% | 3,525 |
| Efficiency ratio | 96.5095% | 329 |
| Assets per employee ($millions) | 2.2354% | 5,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7624% | 1,151 |
| Loan loss allowance to noncurrent loans | 26.7260% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 7.0884% | 78 |
| Noncurrent loans to loans | 6.5942% | 102 |
| Net loans and leases to total assets | 66.6055% | 3,000 |
| Net loans and leases to deposits | 82.1610% | 2,690 |
| Net loans and leases to core deposits | 92.0679% | 2,347 |
| Total domestic deposits to total assets | 81.0671% | 4,254 |
| Equity capital to assets | 8.4652% | 5,617 |
| Core capital (leverage) ratio | 8.1487% | 5,633 |
| Tier 1 risk-based capital ratio | 13.2315% | 4,059 |
| Total risk-based capital ratio | 14.4898% | 3,968 |
| Memoranda: |
| Average total assets | $203,582,670 | 2,945 |
| Average earning assets | $177,690,670 | 3,065 |
| Average equity | $16,789,330 | 3,616 |
| Average total loans | $141,424,000 | 2,761 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7585% | 928 |
| Cost of funding earning assets | 0.8282% | 423 |
| Net interest margin | 3.9303% | 1,843 |
| Noninterest income to average assets | 1.7873% | 399 |
| Noninterest expense to average assets | 4.5981% | 363 |
| Loan and lease loss provision to assets | 0.4551% | 286 |
| Net operating income to assets | 0.1914% | 5,540 |
| Return on assets (ROA) | 0.2012% | 5,585 |
| Pretax return on assets | 0.2012% | 5,642 |
| Return on Equity (ROE) | 2.4717% | 5,384 |
| Retained earnings to average equity (ytd only) | 2.4717% | 4,269 |
| Net charge-offs to loans | 0.2779% | 763 |
| Credit loss provision to net charge-offs | 233.0000% | 987 |
| Earnings coverage of net charge-offs (x) | 3.3100% | 2,558 |
| Efficiency ratio | 87.6723% | 841 |
| Assets per employee ($millions) | 2.5372% | 5,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7236% | 1,306 |
| Loan loss allowance to noncurrent loans | 31.7165% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 5.2341% | 150 |
| Noncurrent loans to loans | 5.4343% | 171 |
| Net loans and leases to total assets | 68.5155% | 2,580 |
| Net loans and leases to deposits | 84.3257% | 2,271 |
| Net loans and leases to core deposits | 94.8067% | 1,902 |
| Total domestic deposits to total assets | 81.2510% | 4,419 |
| Equity capital to assets | 8.4256% | 5,617 |
| Core capital (leverage) ratio | 8.3231% | 5,549 |
| Tier 1 risk-based capital ratio | 13.2221% | 4,134 |
| Total risk-based capital ratio | 14.4798% | 4,058 |
| Memoranda: |
| Average total assets | $204,779,500 | 2,936 |
| Average earning assets | $180,139,000 | 3,044 |
| Average equity | $16,668,500 | 3,635 |
| Average total loans | $143,932,500 | 2,728 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8950% | 776 |
| Cost of funding earning assets | 0.8302% | 420 |
| Net interest margin | 4.0648% | 1,503 |
| Noninterest income to average assets | 1.6361% | 485 |
| Noninterest expense to average assets | 4.3357% | 463 |
| Loan and lease loss provision to assets | 1.8346% | 35 |
| Net operating income to assets | -0.9384% | 6,098 |
| Return on assets (ROA) | -0.8710% | 6,097 |
| Pretax return on assets | -0.8710% | 6,089 |
| Return on Equity (ROE) | -10.8679% | 6,110 |
| Retained earnings to average equity (ytd only) | -18.3039% | 6,113 |
| Net charge-offs to loans | 2.6068% | 44 |
| Credit loss provision to net charge-offs | 105.7052% | 2,378 |
| Earnings coverage of net charge-offs (x) | 0.5164% | 4,217 |
| Efficiency ratio | 82.8704% | 1,285 |
| Assets per employee ($millions) | 2.2954% | 5,972 |
| Cash dividends to net income (ytd only)* | -68.4211% | 6,168 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5756% | 1,698 |
| Loan loss allowance to noncurrent loans | 36.9848% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 4.3474% | 228 |
| Noncurrent loans to loans | 4.2602% | 268 |
| Net loans and leases to total assets | 69.7298% | 2,411 |
| Net loans and leases to deposits | 84.7303% | 2,277 |
| Net loans and leases to core deposits | 100.4484% | 1,475 |
| Total domestic deposits to total assets | 82.2962% | 4,086 |
| Equity capital to assets | 7.8588% | 5,901 |
| Core capital (leverage) ratio | 7.7459% | 5,926 |
| Tier 1 risk-based capital ratio | 12.7045% | 4,502 |
| Total risk-based capital ratio | 13.9609% | 4,403 |
| Memoranda: |
| Average total assets | $218,144,200 | 2,764 |
| Average earning assets | $192,974,000 | 2,859 |
| Average equity | $17,482,600 | 3,460 |
| Average total loans | $145,232,800 | 2,666 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8850% | 795 |
| Cost of funding earning assets | 0.8264% | 433 |
| Net interest margin | 4.0586% | 1,534 |
| Noninterest income to average assets | 2.0221% | 357 |
| Noninterest expense to average assets | 4.1863% | 542 |
| Loan and lease loss provision to assets | 1.0839% | 62 |
| Net operating income to assets | 0.3511% | 5,313 |
| Return on assets (ROA) | 0.4095% | 5,219 |
| Pretax return on assets | 0.4095% | 5,448 |
| Return on Equity (ROE) | 4.9246% | 4,655 |
| Retained earnings to average equity (ytd only) | -4.4902% | 6,008 |
| Net charge-offs to loans | 1.3918% | 111 |
| Credit loss provision to net charge-offs | 118.6552% | 2,006 |
| Earnings coverage of net charge-offs (x) | 1.5709% | 3,810 |
| Efficiency ratio | 74.4724% | 2,478 |
| Assets per employee ($millions) | 2.4755% | 5,969 |
| Cash dividends to net income (ytd only)* | 191.1773% | 84 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6208% | 1,717 |
| Loan loss allowance to noncurrent loans | 294.7826% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 2.0889% | 951 |
| Noncurrent loans to loans | 0.5498% | 3,693 |
| Net loans and leases to total assets | 64.6476% | 3,206 |
| Net loans and leases to deposits | 79.3194% | 2,955 |
| Net loans and leases to core deposits | 99.3235% | 1,572 |
| Total domestic deposits to total assets | 81.5029% | 4,324 |
| Equity capital to assets | 8.1940% | 5,877 |
| Core capital (leverage) ratio | 8.3402% | 5,680 |
| Tier 1 risk-based capital ratio | 13.8658% | 3,923 |
| Total risk-based capital ratio | 15.1222% | 3,866 |
| Memoranda: |
| Average total assets | $221,417,250 | 2,759 |
| Average earning assets | $196,353,250 | 2,841 |
| Average equity | $18,410,250 | 3,352 |
| Average total loans | $145,322,750 | 2,674 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8189% | 859 |
| Cost of funding earning assets | 0.8385% | 408 |
| Net interest margin | 3.9804% | 1,698 |
| Noninterest income to average assets | 2.1755% | 328 |
| Noninterest expense to average assets | 4.1991% | 542 |
| Loan and lease loss provision to assets | 0.5690% | 163 |
| Net operating income to assets | 0.9372% | 2,704 |
| Return on assets (ROA) | 1.0231% | 2,391 |
| Pretax return on assets | 1.0231% | 3,485 |
| Return on Equity (ROE) | 12.1617% | 1,327 |
| Retained earnings to average equity (ytd only) | -1.8173% | 5,811 |
| Net charge-offs to loans | 2.0530% | 69 |
| Credit loss provision to net charge-offs | 42.2715% | 2,785 |
| Earnings coverage of net charge-offs (x) | 1.1190% | 3,576 |
| Efficiency ratio | 73.6008% | 2,735 |
| Assets per employee ($millions) | 2.7518% | 5,866 |
| Cash dividends to net income (ytd only)* | 114.9425% | 352 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8526% | 5,461 |
| Loan loss allowance to noncurrent loans | 230.0935% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 2.7141% | 660 |
| Noncurrent loans to loans | 0.3706% | 4,382 |
| Net loans and leases to total assets | 65.0226% | 3,121 |
| Net loans and leases to deposits | 79.5828% | 2,847 |
| Net loans and leases to core deposits | 100.1455% | 1,482 |
| Total domestic deposits to total assets | 81.7043% | 4,384 |
| Equity capital to assets | 8.1505% | 5,913 |
| Core capital (leverage) ratio | 8.5994% | 5,442 |
| Tier 1 risk-based capital ratio | 14.5840% | 3,589 |
| Total risk-based capital ratio | 15.5282% | 3,700 |
| Memoranda: |
| Average total assets | $221,095,000 | 2,782 |
| Average earning assets | $196,062,670 | 2,861 |
| Average equity | $18,599,330 | 3,345 |
| Average total loans | $144,961,670 | 2,682 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8860% | 724 |
| Cost of funding earning assets | 0.8430% | 394 |
| Net interest margin | 4.0430% | 1,431 |
| Noninterest income to average assets | 1.7782% | 422 |
| Noninterest expense to average assets | 4.2388% | 534 |
| Loan and lease loss provision to assets | 0.1823% | 1,050 |
| Net operating income to assets | 0.9586% | 2,453 |
| Return on assets (ROA) | 1.0760% | 2,065 |
| Pretax return on assets | 1.0760% | 3,189 |
| Return on Equity (ROE) | 12.5954% | 1,195 |
| Retained earnings to average equity (ytd only) | 5.1988% | 2,951 |
| Net charge-offs to loans | 0.7050% | 337 |
| Credit loss provision to net charge-offs | 39.4531% | 2,191 |
| Earnings coverage of net charge-offs (x) | 2.4688% | 2,747 |
| Efficiency ratio | 78.7919% | 2,074 |
| Assets per employee ($millions) | 2.8036% | 5,883 |
| Cash dividends to net income (ytd only)* | 58.7248% | 1,469 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3394% | 3,190 |
| Loan loss allowance to noncurrent loans | 119.5921% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 2.3693% | 924 |
| Noncurrent loans to loans | 1.1199% | 2,536 |
| Net loans and leases to total assets | 63.5525% | 3,150 |
| Net loans and leases to deposits | 78.2776% | 2,766 |
| Net loans and leases to core deposits | 97.0941% | 1,545 |
| Total domestic deposits to total assets | 81.1886% | 4,769 |
| Equity capital to assets | 8.5762% | 5,686 |
| Core capital (leverage) ratio | 8.3785% | 5,657 |
| Tier 1 risk-based capital ratio | 14.2609% | 3,847 |
| Total risk-based capital ratio | 15.5140% | 3,773 |
| Memoranda: |
| Average total assets | $221,570,000 | 2,792 |
| Average earning assets | $197,380,000 | 2,869 |
| Average equity | $18,927,500 | 3,347 |
| Average total loans | $145,255,000 | 2,686 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9978% | 778 |
| Cost of funding earning assets | 0.8739% | 451 |
| Net interest margin | 4.1239% | 1,504 |
| Noninterest income to average assets | 1.8961% | 370 |
| Noninterest expense to average assets | 4.1792% | 613 |
| Loan and lease loss provision to assets | 0.4523% | 367 |
| Net operating income to assets | 0.9142% | 2,809 |
| Return on assets (ROA) | 1.0082% | 2,424 |
| Pretax return on assets | 1.0082% | 3,459 |
| Return on Equity (ROE) | 12.3546% | 1,308 |
| Retained earnings to average equity (ytd only) | 0.8904% | 5,380 |
| Net charge-offs to loans | 0.9805% | 309 |
| Credit loss provision to net charge-offs | 69.8457% | 3,082 |
| Earnings coverage of net charge-offs (x) | 2.1101% | 4,241 |
| Efficiency ratio | 75.3583% | 2,620 |
| Assets per employee ($millions) | 2.7357% | 5,994 |
| Cash dividends to net income (ytd only)* | 92.7928% | 514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4311% | 2,794 |
| Loan loss allowance to noncurrent loans | 159.7859% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 2.2435% | 1,082 |
| Noncurrent loans to loans | 0.8957% | 3,076 |
| Net loans and leases to total assets | 65.7725% | 2,930 |
| Net loans and leases to deposits | 81.0175% | 2,601 |
| Net loans and leases to core deposits | 102.4417% | 1,212 |
| Total domestic deposits to total assets | 81.1831% | 4,686 |
| Equity capital to assets | 8.5079% | 5,752 |
| Core capital (leverage) ratio | 8.8379% | 5,206 |
| Tier 1 risk-based capital ratio | 14.5905% | 3,727 |
| Total risk-based capital ratio | 15.8447% | 3,654 |
| Memoranda: |
| Average total assets | $220,188,000 | 2,782 |
| Average earning assets | $194,864,800 | 2,859 |
| Average equity | $17,969,000 | 3,401 |
| Average total loans | $145,435,600 | 2,636 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9369% | 862 |
| Cost of funding earning assets | 0.8767% | 476 |
| Net interest margin | 4.0602% | 1,692 |
| Noninterest income to average assets | 1.9233% | 369 |
| Noninterest expense to average assets | 3.9282% | 813 |
| Loan and lease loss provision to assets | 0.3610% | 485 |
| Net operating income to assets | 1.2237% | 1,597 |
| Return on assets (ROA) | 1.3489% | 1,306 |
| Pretax return on assets | 1.3489% | 2,200 |
| Return on Equity (ROE) | 16.7053% | 591 |
| Retained earnings to average equity (ytd only) | 1.7297% | 5,183 |
| Net charge-offs to loans | 1.2453% | 213 |
| Credit loss provision to net charge-offs | 43.9941% | 3,219 |
| Earnings coverage of net charge-offs (x) | 1.9315% | 4,035 |
| Efficiency ratio | 71.2547% | 3,303 |
| Assets per employee ($millions) | 2.4830% | 6,237 |
| Cash dividends to net income (ytd only)* | 89.6460% | 538 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2079% | 4,180 |
| Loan loss allowance to noncurrent loans | 56.5189% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 2.3945% | 1,128 |
| Noncurrent loans to loans | 2.1372% | 1,449 |
| Net loans and leases to total assets | 64.4144% | 3,123 |
| Net loans and leases to deposits | 80.3395% | 2,642 |
| Net loans and leases to core deposits | 101.5736% | 1,247 |
| Total domestic deposits to total assets | 80.1778% | 5,060 |
| Equity capital to assets | 8.2495% | 5,981 |
| Core capital (leverage) ratio | 8.7434% | 5,390 |
| Tier 1 risk-based capital ratio | 14.0187% | 4,201 |
| Total risk-based capital ratio | 15.2688% | 4,139 |
| Memoranda: |
| Average total assets | $220,521,000 | 2,796 |
| Average earning assets | $194,962,000 | 2,881 |
| Average equity | $17,806,250 | 3,443 |
| Average total loans | $145,285,250 | 2,648 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9737% | 790 |
| Cost of funding earning assets | 0.8774% | 485 |
| Net interest margin | 4.0963% | 1,526 |
| Noninterest income to average assets | 1.9987% | 343 |
| Noninterest expense to average assets | 3.8945% | 858 |
| Loan and lease loss provision to assets | 0.3170% | 604 |
| Net operating income to assets | 1.4066% | 1,045 |
| Return on assets (ROA) | 1.5432% | 839 |
| Pretax return on assets | 1.5432% | 1,414 |
| Return on Equity (ROE) | 19.2536% | 343 |
| Retained earnings to average equity (ytd only) | 2.4891% | 4,619 |
| Net charge-offs to loans | 1.5267% | 182 |
| Credit loss provision to net charge-offs | 31.4079% | 3,041 |
| Earnings coverage of net charge-offs (x) | 1.7076% | 3,735 |
| Efficiency ratio | 69.3206% | 3,776 |
| Assets per employee ($millions) | 2.4460% | 6,328 |
| Cash dividends to net income (ytd only)* | 87.0720% | 748 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2152% | 4,355 |
| Loan loss allowance to noncurrent loans | 88.0000% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 2.3144% | 1,276 |
| Noncurrent loans to loans | 1.3809% | 2,496 |
| Net loans and leases to total assets | 64.9928% | 2,908 |
| Net loans and leases to deposits | 81.4099% | 2,330 |
| Net loans and leases to core deposits | 103.0050% | 1,081 |
| Total domestic deposits to total assets | 79.8340% | 5,279 |
| Equity capital to assets | 8.2583% | 5,979 |
| Core capital (leverage) ratio | 8.7689% | 5,309 |
| Tier 1 risk-based capital ratio | 14.0472% | 4,231 |
| Total risk-based capital ratio | 15.2977% | 4,158 |
| Memoranda: |
| Average total assets | $219,539,000 | 2,813 |
| Average earning assets | $193,980,330 | 2,907 |
| Average equity | $17,596,670 | 3,463 |
| Average total loans | $145,145,330 | 2,653 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1235% | 573 |
| Cost of funding earning assets | 0.8829% | 496 |
| Net interest margin | 4.2406% | 1,117 |
| Noninterest income to average assets | 2.2095% | 283 |
| Noninterest expense to average assets | 3.7950% | 990 |
| Loan and lease loss provision to assets | 0.3175% | 583 |
| Net operating income to assets | 1.8391% | 451 |
| Return on assets (ROA) | 1.8227% | 484 |
| Pretax return on assets | 1.8227% | 773 |
| Return on Equity (ROE) | 23.0916% | 173 |
| Retained earnings to average equity (ytd only) | 17.3129% | 207 |
| Net charge-offs to loans | 2.4474% | 93 |
| Credit loss provision to net charge-offs | 19.5726% | 2,507 |
| Earnings coverage of net charge-offs (x) | 1.3296% | 3,121 |
| Efficiency ratio | 63.7646% | 4,896 |
| Assets per employee ($millions) | 2.4761% | 6,382 |
| Cash dividends to net income (ytd only)* | 25.0250% | 2,414 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2424% | 4,427 |
| Loan loss allowance to noncurrent loans | 152.3207% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 1.4472% | 2,452 |
| Noncurrent loans to loans | 0.8157% | 3,839 |
| Net loans and leases to total assets | 64.3827% | 2,830 |
| Net loans and leases to deposits | 80.5686% | 2,219 |
| Net loans and leases to core deposits | 100.3462% | 1,080 |
| Total domestic deposits to total assets | 79.9104% | 5,504 |
| Equity capital to assets | 8.1733% | 5,929 |
| Core capital (leverage) ratio | 9.0560% | 4,927 |
| Tier 1 risk-based capital ratio | 14.2181% | 4,184 |
| Total risk-based capital ratio | 15.4686% | 4,130 |
| Memoranda: |
| Average total assets | $219,237,000 | 2,837 |
| Average earning assets | $193,461,000 | 2,925 |
| Average equity | $17,305,000 | 3,506 |
| Average total loans | $145,299,500 | 2,654 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2655% | 565 |
| Cost of funding earning assets | 1.1347% | 238 |
| Net interest margin | 4.1308% | 1,567 |
| Noninterest income to average assets | 1.8951% | 425 |
| Noninterest expense to average assets | 3.8488% | 1,059 |
| Loan and lease loss provision to assets | 0.4638% | 614 |
| Net operating income to assets | 1.2708% | 1,329 |
| Return on assets (ROA) | 1.3206% | 1,238 |
| Pretax return on assets | 1.3206% | 2,075 |
| Return on Equity (ROE) | 16.3062% | 587 |
| Retained earnings to average equity (ytd only) | 1.6197% | 5,062 |
| Net charge-offs to loans | 1.2020% | 444 |
| Credit loss provision to net charge-offs | 56.8739% | 3,655 |
| Earnings coverage of net charge-offs (x) | 2.1272% | 4,321 |
| Efficiency ratio | 68.9328% | 4,033 |
| Assets per employee ($millions) | 2.3959% | 6,462 |
| Cash dividends to net income (ytd only)* | 90.0669% | 642 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7341% | 2,286 |
| Loan loss allowance to noncurrent loans | 341.0014% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 1.6742% | 2,205 |
| Noncurrent loans to loans | 0.5085% | 4,724 |
| Net loans and leases to total assets | 66.2250% | 2,662 |
| Net loans and leases to deposits | 82.4556% | 2,139 |
| Net loans and leases to core deposits | 103.1598% | 963 |
| Total domestic deposits to total assets | 80.3160% | 5,372 |
| Equity capital to assets | 7.6039% | 6,231 |
| Core capital (leverage) ratio | 8.9548% | 5,070 |
| Tier 1 risk-based capital ratio | 13.8442% | 4,405 |
| Total risk-based capital ratio | 15.1017% | 4,340 |
| Memoranda: |
| Average total assets | $214,978,400 | 2,862 |
| Average earning assets | $191,948,800 | 2,933 |
| Average equity | $17,410,600 | 3,505 |
| Average total loans | $145,834,200 | 2,619 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1744% | 686 |
| Cost of funding earning assets | 1.2225% | 178 |
| Net interest margin | 3.9519% | 2,106 |
| Noninterest income to average assets | 1.9775% | 428 |
| Noninterest expense to average assets | 3.7532% | 1,157 |
| Loan and lease loss provision to assets | 0.3246% | 1,024 |
| Net operating income to assets | 1.4449% | 994 |
| Return on assets (ROA) | 1.5113% | 921 |
| Pretax return on assets | 1.5113% | 1,572 |
| Return on Equity (ROE) | 18.3794% | 409 |
| Retained earnings to average equity (ytd only) | 1.3436% | 5,445 |
| Net charge-offs to loans | 0.2539% | 2,292 |
| Credit loss provision to net charge-offs | 188.1295% | 1,282 |
| Earnings coverage of net charge-offs (x) | 10.2553% | 2,383 |
| Efficiency ratio | 67.9591% | 4,111 |
| Assets per employee ($millions) | 2.6573% | 6,319 |
| Cash dividends to net income (ytd only)* | 92.6899% | 519 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3976% | 1,052 |
| Loan loss allowance to noncurrent loans | 111.1076% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 2.4024% | 1,618 |
| Noncurrent loans to loans | 2.1579% | 2,052 |
| Net loans and leases to total assets | 67.4269% | 2,390 |
| Net loans and leases to deposits | 84.6754% | 1,780 |
| Net loans and leases to core deposits | 102.4055% | 967 |
| Total domestic deposits to total assets | 79.6298% | 5,598 |
| Equity capital to assets | 7.8737% | 6,223 |
| Core capital (leverage) ratio | 8.9852% | 5,146 |
| Tier 1 risk-based capital ratio | 14.5049% | 4,069 |
| Total risk-based capital ratio | 15.7730% | 4,015 |
| Memoranda: |
| Average total assets | $214,816,250 | 2,889 |
| Average earning assets | $192,712,250 | 2,936 |
| Average equity | $17,664,250 | 3,510 |
| Average total loans | $145,963,000 | 2,639 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0943% | 777 |
| Cost of funding earning assets | 1.3303% | 122 |
| Net interest margin | 3.7640% | 2,698 |
| Noninterest income to average assets | 2.0653% | 425 |
| Noninterest expense to average assets | 3.6500% | 1,335 |
| Loan and lease loss provision to assets | 0.3219% | 1,084 |
| Net operating income to assets | 1.4799% | 932 |
| Return on assets (ROA) | 1.5791% | 843 |
| Pretax return on assets | 1.5791% | 1,427 |
| Return on Equity (ROE) | 18.9395% | 390 |
| Retained earnings to average equity (ytd only) | 0.7456% | 5,603 |
| Net charge-offs to loans | 0.1359% | 3,017 |
| Credit loss provision to net charge-offs | 350.5051% | 741 |
| Earnings coverage of net charge-offs (x) | 19.6162% | 1,500 |
| Efficiency ratio | 66.9503% | 4,372 |
| Assets per employee ($millions) | 2.6220% | 6,381 |
| Cash dividends to net income (ytd only)* | 96.0635% | 582 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4110% | 1,081 |
| Loan loss allowance to noncurrent loans | 120.1500% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 1.9193% | 2,262 |
| Noncurrent loans to loans | 2.0067% | 2,395 |
| Net loans and leases to total assets | 68.0014% | 2,229 |
| Net loans and leases to deposits | 83.7064% | 1,834 |
| Net loans and leases to core deposits | 107.9200% | 651 |
| Total domestic deposits to total assets | 81.2380% | 5,279 |
| Equity capital to assets | 7.7818% | 6,322 |
| Core capital (leverage) ratio | 8.8611% | 5,210 |
| Tier 1 risk-based capital ratio | 14.2112% | 4,281 |
| Total risk-based capital ratio | 15.4784% | 4,226 |
| Memoranda: |
| Average total assets | $215,561,670 | 2,898 |
| Average earning assets | $193,940,670 | 2,944 |
| Average equity | $17,973,000 | 3,486 |
| Average total loans | $145,665,000 | 2,636 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0765% | 778 |
| Cost of funding earning assets | 1.4166% | 83 |
| Net interest margin | 3.6599% | 3,036 |
| Noninterest income to average assets | 1.7962% | 502 |
| Noninterest expense to average assets | 3.5979% | 1,426 |
| Loan and lease loss provision to assets | 0.3168% | 1,071 |
| Net operating income to assets | 1.1645% | 1,627 |
| Return on assets (ROA) | 1.3604% | 1,213 |
| Pretax return on assets | 1.3604% | 2,007 |
| Return on Equity (ROE) | 15.8102% | 637 |
| Retained earnings to average equity (ytd only) | 2.8301% | 4,585 |
| Net charge-offs to loans | 0.0110% | 3,926 |
| Credit loss provision to net charge-offs | 4,325.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 202.2500% | 201 |
| Efficiency ratio | 70.8363% | 3,818 |
| Assets per employee ($millions) | 2.6880% | 6,418 |
| Cash dividends to net income (ytd only)* | 82.0996% | 862 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3639% | 1,310 |
| Loan loss allowance to noncurrent loans | 212.9172% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 1.0882% | 3,757 |
| Noncurrent loans to loans | 1.1102% | 3,928 |
| Net loans and leases to total assets | 66.1686% | 2,343 |
| Net loans and leases to deposits | 82.6238% | 1,753 |
| Net loans and leases to core deposits | 104.8100% | 686 |
| Total domestic deposits to total assets | 80.0842% | 5,735 |
| Equity capital to assets | 8.6854% | 5,824 |
| Core capital (leverage) ratio | 8.7325% | 5,285 |
| Tier 1 risk-based capital ratio | 14.3917% | 4,248 |
| Total risk-based capital ratio | 15.6590% | 4,204 |
| Memoranda: |
| Average total assets | $218,463,000 | 2,890 |
| Average earning assets | $195,961,000 | 2,947 |
| Average equity | $18,798,000 | 3,403 |
| Average total loans | $145,416,000 | 2,647 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2230% | 1,076 |
| Cost of funding earning assets | 1.5871% | 113 |
| Net interest margin | 3.6359% | 3,939 |
| Noninterest income to average assets | 1.4647% | 729 |
| Noninterest expense to average assets | 3.4817% | 1,857 |
| Loan and lease loss provision to assets | 0.1811% | 3,367 |
| Net operating income to assets | 1.0585% | 2,089 |
| Return on assets (ROA) | 1.0848% | 2,181 |
| Pretax return on assets | 1.0848% | 3,215 |
| Return on Equity (ROE) | 12.7829% | 1,284 |
| Retained earnings to average equity (ytd only) | 1.6848% | 5,016 |
| Net charge-offs to loans | 0.6499% | 1,810 |
| Credit loss provision to net charge-offs | 42.4017% | 4,885 |
| Earnings coverage of net charge-offs (x) | 2.9022% | 3,975 |
| Efficiency ratio | 73.7454% | 3,104 |
| Assets per employee ($millions) | 2.7736% | 6,340 |
| Cash dividends to net income (ytd only)* | 86.8201% | 801 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2578% | 1,445 |
| Loan loss allowance to noncurrent loans | 368.5039% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.8793% | 4,288 |
| Noncurrent loans to loans | 0.6127% | 4,981 |
| Net loans and leases to total assets | 63.9166% | 2,909 |
| Net loans and leases to deposits | 80.6146% | 2,205 |
| Net loans and leases to core deposits | 96.6913% | 1,248 |
| Total domestic deposits to total assets | 79.2867% | 5,825 |
| Equity capital to assets | 8.5265% | 6,028 |
| Core capital (leverage) ratio | 8.5745% | 5,501 |
| Tier 1 risk-based capital ratio | 14.2080% | 4,238 |
| Total risk-based capital ratio | 15.4733% | 4,182 |
| Memoranda: |
| Average total assets | $220,320,400 | 2,837 |
| Average earning assets | $197,339,000 | 2,870 |
| Average equity | $18,696,800 | 3,374 |
| Average total loans | $144,786,000 | 2,652 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2574% | 1,083 |
| Cost of funding earning assets | 1.6078% | 121 |
| Net interest margin | 3.6496% | 4,007 |
| Noninterest income to average assets | 1.4241% | 742 |
| Noninterest expense to average assets | 3.3374% | 2,166 |
| Loan and lease loss provision to assets | 0.1364% | 3,845 |
| Net operating income to assets | 1.2173% | 1,680 |
| Return on assets (ROA) | 1.2525% | 1,733 |
| Pretax return on assets | 1.2525% | 2,783 |
| Return on Equity (ROE) | 14.7769% | 938 |
| Retained earnings to average equity (ytd only) | 1.7238% | 5,472 |
| Net charge-offs to loans | 0.8044% | 1,363 |
| Credit loss provision to net charge-offs | 25.7732% | 4,866 |
| Earnings coverage of net charge-offs (x) | 2.5578% | 4,018 |
| Efficiency ratio | 71.1424% | 3,479 |
| Assets per employee ($millions) | 2.5708% | 6,632 |
| Cash dividends to net income (ytd only)* | 88.3348% | 491 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1752% | 1,758 |
| Loan loss allowance to noncurrent loans | 490.7121% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.9647% | 4,355 |
| Noncurrent loans to loans | 0.4433% | 5,561 |
| Net loans and leases to total assets | 65.2424% | 2,795 |
| Net loans and leases to deposits | 82.1825% | 2,095 |
| Net loans and leases to core deposits | 100.8510% | 1,060 |
| Total domestic deposits to total assets | 79.3871% | 5,783 |
| Equity capital to assets | 8.6331% | 6,154 |
| Core capital (leverage) ratio | 8.6282% | 5,583 |
| Tier 1 risk-based capital ratio | 15.1939% | 3,712 |
| Total risk-based capital ratio | 16.4605% | 3,648 |
| Memoranda: |
| Average total assets | $219,929,000 | 2,858 |
| Average earning assets | $196,873,000 | 2,901 |
| Average equity | $18,641,250 | 3,415 |
| Average total loans | $144,708,000 | 2,678 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2132% | 1,209 |
| Cost of funding earning assets | 1.6366% | 130 |
| Net interest margin | 3.5766% | 4,361 |
| Noninterest income to average assets | 1.4583% | 684 |
| Noninterest expense to average assets | 3.2940% | 2,327 |
| Loan and lease loss provision to assets | 0.1833% | 3,271 |
| Net operating income to assets | 1.2015% | 1,710 |
| Return on assets (ROA) | 1.2541% | 1,721 |
| Pretax return on assets | 1.2541% | 2,711 |
| Return on Equity (ROE) | 14.8869% | 952 |
| Retained earnings to average equity (ytd only) | 0.6140% | 5,816 |
| Net charge-offs to loans | 1.0127% | 1,095 |
| Credit loss provision to net charge-offs | 27.6334% | 4,473 |
| Earnings coverage of net charge-offs (x) | 2.0876% | 3,944 |
| Efficiency ratio | 70.4034% | 3,697 |
| Assets per employee ($millions) | 2.5702% | 6,692 |
| Cash dividends to net income (ytd only)* | 95.8755% | 504 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3282% | 1,538 |
| Loan loss allowance to noncurrent loans | 148.4206% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 1.7220% | 3,142 |
| Noncurrent loans to loans | 1.5687% | 3,558 |
| Net loans and leases to total assets | 63.1570% | 3,205 |
| Net loans and leases to deposits | 78.9034% | 2,534 |
| Net loans and leases to core deposits | 96.7438% | 1,378 |
| Total domestic deposits to total assets | 80.0435% | 5,730 |
| Equity capital to assets | 8.5446% | 6,165 |
| Core capital (leverage) ratio | 8.5373% | 5,599 |
| Tier 1 risk-based capital ratio | 14.9236% | 3,817 |
| Total risk-based capital ratio | 16.1912% | 3,755 |
| Memoranda: |
| Average total assets | $220,399,000 | 2,866 |
| Average earning assets | $198,459,000 | 2,892 |
| Average equity | $18,566,670 | 3,415 |
| Average total loans | $144,365,000 | 2,699 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0881% | 1,611 |
| Cost of funding earning assets | 1.6840% | 131 |
| Net interest margin | 3.4041% | 5,106 |
| Noninterest income to average assets | 1.3390% | 796 |
| Noninterest expense to average assets | 3.2164% | 2,548 |
| Loan and lease loss provision to assets | 0.3234% | 1,941 |
| Net operating income to assets | 0.8710% | 3,047 |
| Return on assets (ROA) | 0.9758% | 2,779 |
| Pretax return on assets | 0.9758% | 3,769 |
| Return on Equity (ROE) | 11.6653% | 1,784 |
| Retained earnings to average equity (ytd only) | -1.2961% | 6,193 |
| Net charge-offs to loans | 0.5483% | 1,718 |
| Credit loss provision to net charge-offs | 89.5000% | 2,552 |
| Earnings coverage of net charge-offs (x) | 3.3050% | 2,887 |
| Efficiency ratio | 72.9209% | 3,268 |
| Assets per employee ($millions) | 2.4523% | 6,885 |
| Cash dividends to net income (ytd only)* | 111.1111% | 469 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6017% | 1,223 |
| Loan loss allowance to noncurrent loans | 106.0022% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 2.0398% | 2,839 |
| Noncurrent loans to loans | 2.4543% | 2,659 |
| Net loans and leases to total assets | 64.4069% | 2,786 |
| Net loans and leases to deposits | 80.6774% | 2,106 |
| Net loans and leases to core deposits | 97.7385% | 1,145 |
| Total domestic deposits to total assets | 79.8326% | 5,890 |
| Equity capital to assets | 8.3365% | 6,235 |
| Core capital (leverage) ratio | 8.4240% | 5,708 |
| Tier 1 risk-based capital ratio | 14.3616% | 4,200 |
| Total risk-based capital ratio | 15.6330% | 4,159 |
| Memoranda: |
| Average total assets | $221,366,000 | 2,874 |
| Average earning assets | $199,761,500 | 2,900 |
| Average equity | $18,516,500 | 3,423 |
| Average total loans | $145,915,000 | 2,691 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6581% | 854 |
| Cost of funding earning assets | 1.7749% | 236 |
| Net interest margin | 3.8832% | 3,410 |
| Noninterest income to average assets | 1.3498% | 714 |
| Noninterest expense to average assets | 3.2025% | 2,855 |
| Loan and lease loss provision to assets | 0.5297% | 1,976 |
| Net operating income to assets | 1.1060% | 1,805 |
| Return on assets (ROA) | 1.1737% | 1,700 |
| Pretax return on assets | 1.1737% | 2,558 |
| Return on Equity (ROE) | 14.7099% | 799 |
| Retained earnings to average equity (ytd only) | 2.1856% | 4,656 |
| Net charge-offs to loans | 0.7604% | 2,256 |
| Credit loss provision to net charge-offs | 104.7785% | 3,270 |
| Earnings coverage of net charge-offs (x) | 3.2354% | 3,591 |
| Efficiency ratio | 66.1916% | 4,731 |
| Assets per employee ($millions) | 2.7754% | 6,494 |
| Cash dividends to net income (ytd only)* | 85.1422% | 637 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6171% | 1,170 |
| Loan loss allowance to noncurrent loans | 140.6780% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 1.6300% | 3,516 |
| Noncurrent loans to loans | 1.8604% | 3,400 |
| Net loans and leases to total assets | 63.9858% | 3,196 |
| Net loans and leases to deposits | 80.7566% | 2,400 |
| Net loans and leases to core deposits | 97.1890% | 1,397 |
| Total domestic deposits to total assets | 79.2329% | 5,935 |
| Equity capital to assets | 8.3926% | 6,253 |
| Core capital (leverage) ratio | 8.4975% | 5,566 |
| Tier 1 risk-based capital ratio | 14.5132% | 3,963 |
| Total risk-based capital ratio | 15.7853% | 3,922 |
| Memoranda: |
| Average total assets | $227,664,200 | 2,754 |
| Average earning assets | $204,519,800 | 2,797 |
| Average equity | $18,164,600 | 3,402 |
| Average total loans | $151,366,200 | 2,627 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7032% | 849 |
| Cost of funding earning assets | 1.7761% | 287 |
| Net interest margin | 3.9270% | 3,243 |
| Noninterest income to average assets | 1.4196% | 652 |
| Noninterest expense to average assets | 3.1715% | 2,920 |
| Loan and lease loss provision to assets | 0.5704% | 1,720 |
| Net operating income to assets | 1.2089% | 1,631 |
| Return on assets (ROA) | 1.2985% | 1,469 |
| Pretax return on assets | 1.2985% | 2,290 |
| Return on Equity (ROE) | 16.4822% | 612 |
| Retained earnings to average equity (ytd only) | 1.5219% | 5,374 |
| Net charge-offs to loans | 0.8869% | 1,801 |
| Credit loss provision to net charge-offs | 96.4567% | 3,559 |
| Earnings coverage of net charge-offs (x) | 3.0089% | 3,630 |
| Efficiency ratio | 64.0607% | 5,058 |
| Assets per employee ($millions) | 2.7626% | 6,558 |
| Cash dividends to net income (ytd only)* | 90.7665% | 418 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5014% | 1,396 |
| Loan loss allowance to noncurrent loans | 165.4239% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 1.6303% | 3,641 |
| Noncurrent loans to loans | 1.5121% | 4,021 |
| Net loans and leases to total assets | 65.7320% | 2,959 |
| Net loans and leases to deposits | 83.3473% | 2,119 |
| Net loans and leases to core deposits | 100.3183% | 1,217 |
| Total domestic deposits to total assets | 78.8652% | 6,016 |
| Equity capital to assets | 8.3347% | 6,454 |
| Core capital (leverage) ratio | 8.1578% | 6,187 |
| Tier 1 risk-based capital ratio | 14.0351% | 4,331 |
| Total risk-based capital ratio | 15.3052% | 4,289 |
| Memoranda: |
| Average total assets | $229,073,000 | 2,740 |
| Average earning assets | $205,985,250 | 2,787 |
| Average equity | $18,047,250 | 3,421 |
| Average total loans | $152,736,500 | 2,624 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6831% | 901 |
| Cost of funding earning assets | 1.7839% | 332 |
| Net interest margin | 3.8992% | 3,312 |
| Noninterest income to average assets | 1.4187% | 636 |
| Noninterest expense to average assets | 3.1403% | 3,112 |
| Loan and lease loss provision to assets | 0.5255% | 1,862 |
| Net operating income to assets | 1.2651% | 1,409 |
| Return on assets (ROA) | 1.3531% | 1,257 |
| Pretax return on assets | 1.3531% | 1,947 |
| Return on Equity (ROE) | 17.4971% | 510 |
| Retained earnings to average equity (ytd only) | -0.9150% | 6,033 |
| Net charge-offs to loans | 0.3403% | 3,205 |
| Credit loss provision to net charge-offs | 232.4427% | 1,293 |
| Earnings coverage of net charge-offs (x) | 7.9198% | 2,142 |
| Efficiency ratio | 63.6857% | 5,301 |
| Assets per employee ($millions) | 2.8607% | 6,363 |
| Cash dividends to net income (ytd only)* | 105.2296% | 407 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7038% | 1,178 |
| Loan loss allowance to noncurrent loans | 125.6496% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 1.8653% | 3,415 |
| Noncurrent loans to loans | 2.1519% | 3,283 |
| Net loans and leases to total assets | 64.6232% | 3,336 |
| Net loans and leases to deposits | 81.1078% | 2,597 |
| Net loans and leases to core deposits | 96.3322% | 1,641 |
| Total domestic deposits to total assets | 79.6757% | 5,907 |
| Equity capital to assets | 7.9040% | 6,742 |
| Core capital (leverage) ratio | 7.9074% | 6,402 |
| Tier 1 risk-based capital ratio | 13.4026% | 4,608 |
| Total risk-based capital ratio | 14.6752% | 4,573 |
| Memoranda: |
| Average total assets | $231,762,330 | 2,736 |
| Average earning assets | $208,760,330 | 2,774 |
| Average equity | $17,923,000 | 3,430 |
| Average total loans | $153,982,670 | 2,623 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6955% | 887 |
| Cost of funding earning assets | 1.8145% | 352 |
| Net interest margin | 3.8809% | 3,234 |
| Noninterest income to average assets | 1.1046% | 1,074 |
| Noninterest expense to average assets | 3.1250% | 3,158 |
| Loan and lease loss provision to assets | 0.6689% | 1,276 |
| Net operating income to assets | 0.7993% | 3,039 |
| Return on assets (ROA) | 0.7993% | 3,107 |
| Pretax return on assets | 0.7993% | 3,903 |
| Return on Equity (ROE) | 10.4484% | 1,931 |
| Retained earnings to average equity (ytd only) | -2.4439% | 6,211 |
| Net charge-offs to loans | 0.1445% | 3,628 |
| Credit loss provision to net charge-offs | 696.4286% | 546 |
| Earnings coverage of net charge-offs (x) | 15.2857% | 1,327 |
| Efficiency ratio | 68.0358% | 4,647 |
| Assets per employee ($millions) | 3.2945% | 5,493 |
| Cash dividends to net income (ytd only)* | 123.3906% | 444 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6844% | 1,221 |
| Loan loss allowance to noncurrent loans | 720.0351% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.8681% | 5,168 |
| Noncurrent loans to loans | 0.3728% | 6,252 |
| Net loans and leases to total assets | 64.4046% | 3,372 |
| Net loans and leases to deposits | 80.3745% | 2,643 |
| Net loans and leases to core deposits | 98.3883% | 1,484 |
| Total domestic deposits to total assets | 80.1307% | 5,908 |
| Equity capital to assets | 7.7501% | 6,710 |
| Core capital (leverage) ratio | 7.8461% | 6,424 |
| Tier 1 risk-based capital ratio | 13.2463% | 4,624 |
| Total risk-based capital ratio | 14.5185% | 4,581 |
| Memoranda: |
| Average total assets | $233,214,000 | 2,745 |
| Average earning assets | $209,639,500 | 2,792 |
| Average equity | $17,840,000 | 3,424 |
| Average total loans | $154,971,000 | 2,632 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3864% | 394 |
| Cost of funding earning assets | 1.9024% | 836 |
| Net interest margin | 4.4840% | 1,262 |
| Noninterest income to average assets | 1.2762% | 903 |
| Noninterest expense to average assets | 3.3471% | 2,589 |
| Loan and lease loss provision to assets | 0.6756% | 2,439 |
| Net operating income to assets | 1.1979% | 1,419 |
| Return on assets (ROA) | 1.2344% | 1,405 |
| Pretax return on assets | 1.2344% | 2,124 |
| Return on Equity (ROE) | 14.9563% | 723 |
| Retained earnings to average equity (ytd only) | 2.4564% | 4,158 |
| Net charge-offs to loans | 0.1338% | 5,574 |
| Credit loss provision to net charge-offs | 712.3223% | 301 |
| Earnings coverage of net charge-offs (x) | 19.7536% | 1,046 |
| Efficiency ratio | 64.1123% | 5,332 |
| Assets per employee ($millions) | 2.9476% | 6,216 |
| Cash dividends to net income (ytd only)* | 83.5761% | 746 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3920% | 1,553 |
| Loan loss allowance to noncurrent loans | 505.1007% | 639 |
| Noncurrent assets plus other real estate owned to assets | 1.0797% | 4,849 |
| Noncurrent loans to loans | 0.4736% | 6,094 |
| Net loans and leases to total assets | 65.1174% | 3,644 |
| Net loans and leases to deposits | 80.9722% | 2,999 |
| Net loans and leases to core deposits | 98.4693% | 1,754 |
| Total domestic deposits to total assets | 80.4195% | 5,717 |
| Equity capital to assets | 7.5514% | 6,853 |
| Core capital (leverage) ratio | 7.7779% | 6,461 |
| Tier 1 risk-based capital ratio | 12.8973% | 4,687 |
| Total risk-based capital ratio | 14.1650% | 4,646 |
| Memoranda: |
| Average total assets | $222,464,000 | 2,836 |
| Average earning assets | $195,697,200 | 2,931 |
| Average equity | $18,360,200 | 3,372 |
| Average total loans | $157,726,600 | 2,649 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5645% | 306 |
| Cost of funding earning assets | 1.9180% | 971 |
| Net interest margin | 4.6464% | 951 |
| Noninterest income to average assets | 1.3684% | 723 |
| Noninterest expense to average assets | 3.3940% | 2,312 |
| Loan and lease loss provision to assets | 0.6006% | 2,543 |
| Net operating income to assets | 1.4524% | 1,016 |
| Return on assets (ROA) | 1.4567% | 1,083 |
| Pretax return on assets | 1.4567% | 1,728 |
| Return on Equity (ROE) | 17.2550% | 559 |
| Retained earnings to average equity (ytd only) | 2.8759% | 4,409 |
| Net charge-offs to loans | 0.0769% | 5,751 |
| Credit loss provision to net charge-offs | 1,084.6154% | 275 |
| Earnings coverage of net charge-offs (x) | 37.0770% | 735 |
| Efficiency ratio | 62.3101% | 5,561 |
| Assets per employee ($millions) | 2.7797% | 6,626 |
| Cash dividends to net income (ytd only)* | 83.3332% | 584 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1358% | 1,912 |
| Loan loss allowance to noncurrent loans | 717.9104% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.8571% | 5,382 |
| Noncurrent loans to loans | 0.2975% | 6,592 |
| Net loans and leases to total assets | 69.3784% | 2,885 |
| Net loans and leases to deposits | 88.2791% | 1,978 |
| Net loans and leases to core deposits | 108.1831% | 1,149 |
| Total domestic deposits to total assets | 78.5899% | 6,120 |
| Equity capital to assets | 8.3988% | 6,399 |
| Core capital (leverage) ratio | 8.3133% | 5,847 |
| Tier 1 risk-based capital ratio | 10.9911% | 6,392 |
| Total risk-based capital ratio | 12.2512% | 6,365 |
| Memoranda: |
| Average total assets | $219,127,250 | 2,932 |
| Average earning assets | $192,343,500 | 3,006 |
| Average equity | $18,498,500 | 3,393 |
| Average total loans | $157,829,000 | 2,687 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6944% | 246 |
| Cost of funding earning assets | 1.9210% | 1,156 |
| Net interest margin | 4.7734% | 687 |
| Noninterest income to average assets | 1.3759% | 660 |
| Noninterest expense to average assets | 3.3057% | 2,546 |
| Loan and lease loss provision to assets | 0.5421% | 2,609 |
| Net operating income to assets | 1.6694% | 618 |
| Return on assets (ROA) | 1.6758% | 656 |
| Pretax return on assets | 1.6758% | 1,102 |
| Return on Equity (ROE) | 19.8167% | 328 |
| Retained earnings to average equity (ytd only) | 3.9807% | 3,546 |
| Net charge-offs to loans | 0.0595% | 5,559 |
| Credit loss provision to net charge-offs | 1,257.4468% | 309 |
| Earnings coverage of net charge-offs (x) | 51.2979% | 579 |
| Efficiency ratio | 59.9169% | 6,063 |
| Assets per employee ($millions) | 2.7632% | 6,651 |
| Cash dividends to net income (ytd only)* | 79.9124% | 771 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9017% | 2,408 |
| Loan loss allowance to noncurrent loans | 1,656.5934% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.7324% | 5,661 |
| Noncurrent loans to loans | 0.1148% | 7,037 |
| Net loans and leases to total assets | 70.3576% | 2,826 |
| Net loans and leases to deposits | 89.3624% | 1,953 |
| Net loans and leases to core deposits | 108.4748% | 1,266 |
| Total domestic deposits to total assets | 78.7329% | 6,108 |
| Equity capital to assets | 8.4011% | 6,301 |
| Core capital (leverage) ratio | 8.3702% | 5,630 |
| Tier 1 risk-based capital ratio | 11.0243% | 6,212 |
| Total risk-based capital ratio | 12.2820% | 6,195 |
| Memoranda: |
| Average total assets | $218,044,330 | 2,960 |
| Average earning assets | $189,174,330 | 3,072 |
| Average equity | $18,439,000 | 3,381 |
| Average total loans | $157,889,330 | 2,724 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7695% | 232 |
| Cost of funding earning assets | 1.9311% | 1,319 |
| Net interest margin | 4.8384% | 586 |
| Noninterest income to average assets | 1.3891% | 626 |
| Noninterest expense to average assets | 3.2733% | 2,622 |
| Loan and lease loss provision to assets | 0.4526% | 2,703 |
| Net operating income to assets | 1.8934% | 413 |
| Return on assets (ROA) | 2.0227% | 362 |
| Pretax return on assets | 2.0227% | 579 |
| Return on Equity (ROE) | 23.8393% | 196 |
| Retained earnings to average equity (ytd only) | 14.9132% | 420 |
| Net charge-offs to loans | 0.0635% | 4,778 |
| Credit loss provision to net charge-offs | 980.0000% | 474 |
| Earnings coverage of net charge-offs (x) | 50.8000% | 569 |
| Efficiency ratio | 58.2512% | 6,450 |
| Assets per employee ($millions) | 2.7545% | 6,747 |
| Cash dividends to net income (ytd only)* | 37.4429% | 1,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7118% | 3,018 |
| Loan loss allowance to noncurrent loans | 710.0264% | 445 |
| Noncurrent assets plus other real estate owned to assets | 1.7935% | 3,798 |
| Noncurrent loans to loans | 0.2411% | 6,859 |
| Net loans and leases to total assets | 72.8504% | 2,244 |
| Net loans and leases to deposits | 93.9837% | 1,353 |
| Net loans and leases to core deposits | 113.0333% | 1,090 |
| Total domestic deposits to total assets | 77.5138% | 6,449 |
| Equity capital to assets | 8.8517% | 5,464 |
| Core capital (leverage) ratio | 8.5815% | 5,235 |
| Tier 1 risk-based capital ratio | 11.7482% | 5,448 |
| Total risk-based capital ratio | 13.0038% | 5,386 |
| Memoranda: |
| Average total assets | $216,539,000 | 3,031 |
| Average earning assets | $189,319,000 | 3,127 |
| Average equity | $18,373,000 | 3,424 |
| Average total loans | $157,562,000 | 2,785 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9271% | 308 |
| Cost of funding earning assets | 2.2524% | 1,831 |
| Net interest margin | 4.6747% | 873 |
| Noninterest income to average assets | 1.4488% | 691 |
| Noninterest expense to average assets | 3.6999% | 1,914 |
| Loan and lease loss provision to assets | 0.3942% | 4,432 |
| Net operating income to assets | 1.4816% | 698 |
| Return on assets (ROA) | 1.4994% | 727 |
| Pretax return on assets | 1.4994% | 1,189 |
| Return on Equity (ROE) | 17.5274% | 404 |
| Retained earnings to average equity (ytd only) | 5.1944% | 1,720 |
| Net charge-offs to loans | 0.3376% | 4,543 |
| Credit loss provision to net charge-offs | 160.4040% | 2,776 |
| Earnings coverage of net charge-offs (x) | 7.6323% | 2,111 |
| Efficiency ratio | 66.3580% | 5,320 |
| Assets per employee ($millions) | 2.7973% | 6,666 |
| Cash dividends to net income (ytd only)* | 70.3642% | 1,541 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5647% | 3,420 |
| Loan loss allowance to noncurrent loans | 299.5152% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 1.4639% | 4,205 |
| Noncurrent loans to loans | 0.5224% | 6,207 |
| Net loans and leases to total assets | 70.3448% | 3,170 |
| Net loans and leases to deposits | 89.0999% | 2,372 |
| Net loans and leases to core deposits | 123.9673% | 1,637 |
| Total domestic deposits to total assets | 78.9504% | 5,991 |
| Equity capital to assets | 8.1328% | 6,425 |
| Core capital (leverage) ratio | 7.9884% | 6,216 |
| Tier 1 risk-based capital ratio | 10.6873% | 6,217 |
| Total risk-based capital ratio | 11.9404% | 6,193 |
| Memoranda: |
| Average total assets | $201,408,400 | 3,168 |
| Average earning assets | $177,810,000 | 3,242 |
| Average equity | $17,230,200 | 3,627 |
| Average total loans | $146,617,800 | 2,974 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9375% | 334 |
| Cost of funding earning assets | 2.2967% | 1,994 |
| Net interest margin | 4.6408% | 921 |
| Noninterest income to average assets | 1.4906% | 664 |
| Noninterest expense to average assets | 3.7438% | 1,716 |
| Loan and lease loss provision to assets | 0.3026% | 4,553 |
| Net operating income to assets | 1.5625% | 717 |
| Return on assets (ROA) | 1.5876% | 734 |
| Pretax return on assets | 1.5876% | 1,199 |
| Return on Equity (ROE) | 18.3043% | 427 |
| Retained earnings to average equity (ytd only) | 3.8330% | 3,150 |
| Net charge-offs to loans | 0.2698% | 4,352 |
| Credit loss provision to net charge-offs | 153.2646% | 3,118 |
| Earnings coverage of net charge-offs (x) | 9.4467% | 2,110 |
| Efficiency ratio | 66.7473% | 5,237 |
| Assets per employee ($millions) | 2.5902% | 7,064 |
| Cash dividends to net income (ytd only)* | 79.0600% | 979 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5317% | 3,268 |
| Loan loss allowance to noncurrent loans | 121.0718% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 1.9957% | 3,351 |
| Noncurrent loans to loans | 1.2652% | 4,829 |
| Net loans and leases to total assets | 71.3004% | 3,198 |
| Net loans and leases to deposits | 92.5252% | 2,150 |
| Net loans and leases to core deposits | 133.1817% | 1,257 |
| Total domestic deposits to total assets | 77.0605% | 6,323 |
| Equity capital to assets | 8.4550% | 6,305 |
| Core capital (leverage) ratio | 8.7412% | 5,059 |
| Tier 1 risk-based capital ratio | 11.5819% | 5,358 |
| Total risk-based capital ratio | 12.8350% | 5,294 |
| Memoranda: |
| Average total assets | $196,514,750 | 3,238 |
| Average earning assets | $174,391,250 | 3,318 |
| Average equity | $17,044,750 | 3,694 |
| Average total loans | $143,792,000 | 3,050 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9344% | 357 |
| Cost of funding earning assets | 2.3283% | 2,243 |
| Net interest margin | 4.6062% | 944 |
| Noninterest income to average assets | 1.4546% | 706 |
| Noninterest expense to average assets | 3.6817% | 1,873 |
| Loan and lease loss provision to assets | 0.2062% | 4,991 |
| Net operating income to assets | 1.6638% | 602 |
| Return on assets (ROA) | 1.7024% | 616 |
| Pretax return on assets | 1.7024% | 1,013 |
| Return on Equity (ROE) | 19.4489% | 371 |
| Retained earnings to average equity (ytd only) | 3.5091% | 3,357 |
| Net charge-offs to loans | 0.2339% | 4,034 |
| Credit loss provision to net charge-offs | 120.0000% | 3,871 |
| Earnings coverage of net charge-offs (x) | 10.8848% | 1,952 |
| Efficiency ratio | 66.3166% | 5,493 |
| Assets per employee ($millions) | 2.5506% | 7,143 |
| Cash dividends to net income (ytd only)* | 81.9572% | 1,044 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5058% | 3,155 |
| Loan loss allowance to noncurrent loans | 143.5547% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 1.8863% | 3,353 |
| Noncurrent loans to loans | 1.0489% | 5,117 |
| Net loans and leases to total assets | 70.6828% | 3,535 |
| Net loans and leases to deposits | 93.6582% | 2,145 |
| Net loans and leases to core deposits | 135.5497% | 1,238 |
| Total domestic deposits to total assets | 75.4689% | 6,666 |
| Equity capital to assets | 8.2283% | 6,448 |
| Core capital (leverage) ratio | 8.9418% | 4,725 |
| Tier 1 risk-based capital ratio | 11.4836% | 5,400 |
| Total risk-based capital ratio | 12.7356% | 5,313 |
| Memoranda: |
| Average total assets | $192,085,000 | 3,321 |
| Average earning assets | $170,857,330 | 3,378 |
| Average equity | $16,813,330 | 3,748 |
| Average total loans | $141,083,330 | 3,123 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1322% | 273 |
| Cost of funding earning assets | 2.3928% | 2,323 |
| Net interest margin | 4.7395% | 706 |
| Noninterest income to average assets | 1.4573% | 660 |
| Noninterest expense to average assets | 3.7162% | 1,620 |
| Loan and lease loss provision to assets | 0.2128% | 4,314 |
| Net operating income to assets | 1.7302% | 609 |
| Return on assets (ROA) | 1.8076% | 580 |
| Pretax return on assets | 1.8076% | 966 |
| Return on Equity (ROE) | 19.9941% | 421 |
| Retained earnings to average equity (ytd only) | 9.4146% | 1,366 |
| Net charge-offs to loans | 0.2370% | 3,219 |
| Credit loss provision to net charge-offs | 120.7317% | 3,263 |
| Earnings coverage of net charge-offs (x) | 11.0244% | 1,901 |
| Efficiency ratio | 65.6665% | 5,391 |
| Assets per employee ($millions) | 2.3821% | 7,486 |
| Cash dividends to net income (ytd only)* | 52.9132% | 1,667 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5476% | 2,731 |
| Loan loss allowance to noncurrent loans | 270.5810% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 1.4198% | 3,810 |
| Noncurrent loans to loans | 0.5719% | 5,977 |
| Net loans and leases to total assets | 73.9985% | 2,756 |
| Net loans and leases to deposits | 101.4638% | 1,235 |
| Net loans and leases to core deposits | 142.2049% | 1,005 |
| Total domestic deposits to total assets | 72.9309% | 7,065 |
| Equity capital to assets | 9.1222% | 5,199 |
| Core capital (leverage) ratio | 9.2352% | 4,355 |
| Tier 1 risk-based capital ratio | 12.0593% | 4,914 |
| Total risk-based capital ratio | 13.3105% | 4,805 |
| Memoranda: |
| Average total assets | $186,102,000 | 3,409 |
| Average earning assets | $164,997,500 | 3,490 |
| Average equity | $16,825,000 | 3,758 |
| Average total loans | $138,408,000 | 3,203 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4530% | 452 |
| Cost of funding earning assets | 2.8260% | 2,599 |
| Net interest margin | 4.6270% | 1,104 |
| Noninterest income to average assets | 1.5718% | 568 |
| Noninterest expense to average assets | 3.6908% | 1,967 |
| Loan and lease loss provision to assets | 0.3055% | 3,930 |
| Net operating income to assets | 1.6929% | 686 |
| Return on assets (ROA) | 1.6946% | 657 |
| Pretax return on assets | 1.6946% | 1,156 |
| Return on Equity (ROE) | 18.7378% | 471 |
| Retained earnings to average equity (ytd only) | 6.8678% | 1,199 |
| Net charge-offs to loans | 0.1160% | 5,102 |
| Credit loss provision to net charge-offs | 368.2432% | 1,198 |
| Earnings coverage of net charge-offs (x) | 24.0878% | 1,384 |
| Efficiency ratio | 64.8734% | 5,356 |
| Assets per employee ($millions) | 2.3592% | 7,466 |
| Cash dividends to net income (ytd only)* | 63.3477% | 2,508 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6045% | 2,221 |
| Loan loss allowance to noncurrent loans | 446.9136% | 946 |
| Noncurrent assets plus other real estate owned to assets | 1.2494% | 3,726 |
| Noncurrent loans to loans | 0.3590% | 6,290 |
| Net loans and leases to total assets | 72.3843% | 3,504 |
| Net loans and leases to deposits | 102.5215% | 1,531 |
| Net loans and leases to core deposits | 141.6111% | 1,180 |
| Total domestic deposits to total assets | 70.6040% | 7,215 |
| Equity capital to assets | 8.9574% | 5,424 |
| Core capital (leverage) ratio | 9.1204% | 4,562 |
| Tier 1 risk-based capital ratio | 12.2717% | 4,610 |
| Total risk-based capital ratio | 13.5237% | 4,493 |
| Memoranda: |
| Average total assets | $178,390,200 | 3,428 |
| Average earning assets | $158,741,000 | 3,490 |
| Average equity | $16,133,200 | 3,905 |
| Average total loans | $127,542,200 | 3,310 |
