| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3117% | 1,477 |
| Cost of funding earning assets | 1.8584% | 1,146 |
| Net interest margin | 3.4534% | 2,295 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.2062% | 3,112 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.1058% | 1,906 |
| Return on assets (ROA) | 0.5433% | 3,570 |
| Pretax return on assets | 0.7087% | 3,419 |
| Return on Equity (ROE) | 5.8800% | 3,542 |
| Retained earnings to average equity (ytd only) | 3.1510% | 3,228 |
| Net charge-offs to loans | 0.1068% | 864 |
| Credit loss provision to net charge-offs | 205.8928% | 1,203 |
| Earnings coverage of net charge-offs (x) | 24.5784% | 1,756 |
| Efficiency ratio | 58.1371% | 3,285 |
| Assets per employee ($millions) | 9.8147% | 750 |
| Cash dividends to net income (ytd only)* | 46.3809% | 1,799 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0154% | 3,231 |
| Loan loss allowance to noncurrent loans | 125.1529% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.5924% | 932 |
| Noncurrent loans to loans | 0.8114% | 953 |
| Net loans and leases to total assets | 61.7900% | 2,692 |
| Net loans and leases to deposits | 72.4545% | 2,729 |
| Net loans and leases to core deposits | 82.2059% | 2,576 |
| Total domestic deposits to total assets | 85.2800% | 2,216 |
| Equity capital to assets | 10.1673% | 1,909 |
| Core capital (leverage) ratio | 9.2588% | 3,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8518% | 2,289 |
| Memoranda: |
| Average total assets | $19,843,484,400 | 94 |
| Average earning assets | $18,045,416,200 | 94 |
| Average equity | $1,834,461,200 | 102 |
| Average total loans | $11,562,796,600 | 108 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2337% | 1,390 |
| Cost of funding earning assets | 1.7693% | 1,060 |
| Net interest margin | 3.4644% | 2,299 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.2924% | 2,817 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.1353% | 1,953 |
| Return on assets (ROA) | 1.1280% | 1,951 |
| Pretax return on assets | 1.4770% | 1,612 |
| Return on Equity (ROE) | 12.0500% | 2,113 |
| Retained earnings to average equity (ytd only) | 8.0872% | 1,932 |
| Net charge-offs to loans | 0.1456% | 566 |
| Credit loss provision to net charge-offs | 109.5321% | 1,552 |
| Earnings coverage of net charge-offs (x) | 18.3906% | 1,864 |
| Efficiency ratio | 58.4974% | 3,144 |
| Assets per employee ($millions) | 9.6788% | 751 |
| Cash dividends to net income (ytd only)* | 32.9092% | 1,955 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9347% | 3,615 |
| Loan loss allowance to noncurrent loans | 238.3780% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.3090% | 1,782 |
| Noncurrent loans to loans | 0.3921% | 1,852 |
| Net loans and leases to total assets | 59.4100% | 2,900 |
| Net loans and leases to deposits | 69.0454% | 2,912 |
| Net loans and leases to core deposits | 84.2531% | 2,311 |
| Total domestic deposits to total assets | 86.0400% | 2,178 |
| Equity capital to assets | 9.3992% | 2,157 |
| Core capital (leverage) ratio | 9.2800% | 3,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7266% | 2,376 |
| Memoranda: |
| Average total assets | $17,958,191,000 | 105 |
| Average earning assets | $16,312,793,500 | 102 |
| Average equity | $1,680,529,500 | 108 |
| Average total loans | $10,469,028,000 | 123 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 463,105.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1,764,201.0000% | 4 |
| Cost of funding earning assets | 8,335.0000% | 3 |
| Net interest margin | 3.0000% | 3,430 |
| Noninterest income to average assets | 0.0026% | 4,586 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 1.0000% | 65 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 1.1012% | 2,112 |
| Pretax return on assets | 1.4355% | 1,735 |
| Return on Equity (ROE) | 11.0400% | 2,406 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0021% | 2,300 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 156.0000% | 734 |
| Efficiency ratio | 0.1853% | 4,628 |
| Assets per employee ($millions) | 0.2215% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.1761% | 2,900 |
| Condition Ratios (%) |
| Loss allowance to loans | 118,530.0000% | 3 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 12.0000% | 10 |
| Noncurrent loans to loans | 0.0024% | 3,818 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0010% | 4,540 |
| Total domestic deposits to total assets | 0.0000% | 4,600 |
| Equity capital to assets | 196,934.0000% | 6 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $28,136,000 | 4,526 |
| Average earning assets | $3,554 | 4,633 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1177% | 1,066 |
| Cost of funding earning assets | 1.4570% | 925 |
| Net interest margin | 3.6606% | 1,997 |
| Noninterest income to average assets | 1.6100% | 302 |
| Noninterest expense to average assets | 3.2277% | 770 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.3018% | 1,658 |
| Return on assets (ROA) | 1.2879% | 1,681 |
| Pretax return on assets | 1.6786% | 1,319 |
| Return on Equity (ROE) | 14.6400% | 1,638 |
| Retained earnings to average equity (ytd only) | 14.6356% | 853 |
| Net charge-offs to loans | -0.0830% | 4,468 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.0367% | 2,454 |
| Assets per employee ($millions) | 7.2252% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9472% | 3,726 |
| Loan loss allowance to noncurrent loans | 253.3513% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 1,914 |
| Noncurrent loans to loans | 0.3739% | 1,811 |
| Net loans and leases to total assets | 59.9000% | 2,660 |
| Net loans and leases to deposits | 67.8865% | 2,779 |
| Net loans and leases to core deposits | 82.9120% | 2,067 |
| Total domestic deposits to total assets | 88.2300% | 1,844 |
| Equity capital to assets | 9.0943% | 2,442 |
| Core capital (leverage) ratio | 8.7680% | 3,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9915% | 2,732 |
| Memoranda: |
| Average total assets | $9,845,506,500 | 162 |
| Average earning assets | $9,045,479,500 | 159 |
| Average equity | $866,355,500 | 182 |
| Average total loans | $5,888,210,500 | 184 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7167% | 2,482 |
| Cost of funding earning assets | 0.3312% | 2,621 |
| Net interest margin | 3.3855% | 2,305 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.0305% | 3,500 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.2398% | 1,626 |
| Return on assets (ROA) | 1.2245% | 1,633 |
| Pretax return on assets | 1.5773% | 1,221 |
| Return on Equity (ROE) | 12.6100% | 1,934 |
| Retained earnings to average equity (ytd only) | 6.3654% | 2,506 |
| Net charge-offs to loans | 0.0530% | 1,139 |
| Credit loss provision to net charge-offs | 259.9523% | 986 |
| Earnings coverage of net charge-offs (x) | 59.1923% | 1,266 |
| Efficiency ratio | 52.8650% | 3,901 |
| Assets per employee ($millions) | 24.9410% | 65 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,415 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9378% | 3,635 |
| Loan loss allowance to noncurrent loans | 352.6016% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 2,372 |
| Noncurrent loans to loans | 0.2660% | 2,203 |
| Net loans and leases to total assets | 58.4900% | 2,775 |
| Net loans and leases to deposits | 67.4013% | 2,778 |
| Net loans and leases to core deposits | 79.3610% | 2,174 |
| Total domestic deposits to total assets | 86.7800% | 2,465 |
| Equity capital to assets | 8.4618% | 2,728 |
| Core capital (leverage) ratio | 8.6378% | 4,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7202% | 2,809 |
| Memoranda: |
| Average total assets | $8,660,482,000 | 179 |
| Average earning assets | $7,971,387,400 | 174 |
| Average equity | $841,260,400 | 186 |
| Average total loans | $4,752,282,000 | 201 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5917% | 2,371 |
| Cost of funding earning assets | 0.1759% | 3,559 |
| Net interest margin | 3.4158% | 1,929 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.1335% | 3,119 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.0469% | 2,292 |
| Return on assets (ROA) | 1.0233% | 2,369 |
| Pretax return on assets | 1.3223% | 1,973 |
| Return on Equity (ROE) | 8.4600% | 3,183 |
| Retained earnings to average equity (ytd only) | 4.7420% | 3,180 |
| Net charge-offs to loans | 0.2197% | 310 |
| Credit loss provision to net charge-offs | 63.2760% | 1,482 |
| Earnings coverage of net charge-offs (x) | 11.7347% | 1,937 |
| Efficiency ratio | 57.1684% | 3,492 |
| Assets per employee ($millions) | 22.6149% | 79 |
| Cash dividends to net income (ytd only)* | 43.9508% | 1,415 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9435% | 3,715 |
| Loan loss allowance to noncurrent loans | 326.3230% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1869% | 2,354 |
| Noncurrent loans to loans | 0.2891% | 2,209 |
| Net loans and leases to total assets | 59.5600% | 2,557 |
| Net loans and leases to deposits | 70.0153% | 2,361 |
| Net loans and leases to core deposits | 77.9406% | 2,045 |
| Total domestic deposits to total assets | 85.0600% | 3,269 |
| Equity capital to assets | 10.6741% | 1,302 |
| Core capital (leverage) ratio | 9.3308% | 3,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4906% | 2,654 |
| Memoranda: |
| Average total assets | $4,891,644,250 | 278 |
| Average earning assets | $4,435,907,000 | 275 |
| Average equity | $591,636,000 | 239 |
| Average total loans | $2,785,984,250 | 290 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3024% | 2,733 |
| Cost of funding earning assets | 0.0544% | 4,569 |
| Net interest margin | 3.2480% | 2,060 |
| Noninterest income to average assets | 0.4737% | 2,338 |
| Noninterest expense to average assets | 2.0727% | 3,226 |
| Loan and lease loss provision to assets | -0.1717% | 4,664 |
| Net operating income to assets | 1.1672% | 1,549 |
| Return on assets (ROA) | 1.1043% | 1,733 |
| Pretax return on assets | 1.4342% | 1,345 |
| Return on Equity (ROE) | 8.6187% | 2,820 |
| Retained earnings to average equity (ytd only) | 2.5764% | 3,593 |
| Net charge-offs to loans | -0.0310% | 4,047 |
| Credit loss provision to net charge-offs | 1,380.6034% | 327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4138% | 3,500 |
| Assets per employee ($millions) | 22.1626% | 80 |
| Cash dividends to net income (ytd only)* | 70.1075% | 825 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9893% | 3,647 |
| Loan loss allowance to noncurrent loans | 398.1624% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 2,525 |
| Noncurrent loans to loans | 0.2485% | 2,489 |
| Net loans and leases to total assets | 57.4626% | 2,588 |
| Net loans and leases to deposits | 65.4996% | 2,590 |
| Net loans and leases to core deposits | 69.3193% | 2,542 |
| Total domestic deposits to total assets | 87.7297% | 2,681 |
| Equity capital to assets | 11.3654% | 1,075 |
| Core capital (leverage) ratio | 9.4745% | 2,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1984% | 2,412 |
| Memoranda: |
| Average total assets | $2,712,370,333 | 421 |
| Average earning assets | $2,456,081,333 | 429 |
| Average equity | $347,545,667 | 350 |
| Average total loans | $1,495,491,000 | 470 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2417% | 2,564 |
| Cost of funding earning assets | 0.0304% | 4,706 |
| Net interest margin | 3.2113% | 1,853 |
| Noninterest income to average assets | 0.4401% | 2,443 |
| Noninterest expense to average assets | 2.1890% | 2,873 |
| Loan and lease loss provision to assets | -0.3006% | 4,727 |
| Net operating income to assets | 1.1289% | 1,440 |
| Return on assets (ROA) | 1.0957% | 1,534 |
| Pretax return on assets | 1.4205% | 1,200 |
| Return on Equity (ROE) | 8.0743% | 2,661 |
| Retained earnings to average equity (ytd only) | 8.0743% | 1,558 |
| Net charge-offs to loans | 0.0095% | 1,406 |
| Credit loss provision to net charge-offs | -7,041.1765% | 3,538 |
| Earnings coverage of net charge-offs (x) | 228.3235% | 395 |
| Efficiency ratio | 62.9517% | 3,152 |
| Assets per employee ($millions) | 19.6143% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1474% | 3,114 |
| Loan loss allowance to noncurrent loans | 392.7268% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.1844% | 2,520 |
| Noncurrent loans to loans | 0.2922% | 2,425 |
| Net loans and leases to total assets | 53.9351% | 2,768 |
| Net loans and leases to deposits | 62.7534% | 2,648 |
| Net loans and leases to core deposits | 63.2169% | 2,867 |
| Total domestic deposits to total assets | 85.9478% | 3,275 |
| Equity capital to assets | 13.1173% | 667 |
| Core capital (leverage) ratio | 9.8656% | 2,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6996% | 1,917 |
| Memoranda: |
| Average total assets | $2,672,313,000 | 431 |
| Average earning assets | $2,422,289,000 | 435 |
| Average equity | $362,630,000 | 350 |
| Average total loans | $1,432,902,500 | 486 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6152% | 2,338 |
| Cost of funding earning assets | 0.0485% | 4,694 |
| Net interest margin | 3.5666% | 1,560 |
| Noninterest income to average assets | 0.3074% | 3,564 |
| Noninterest expense to average assets | 2.0474% | 3,540 |
| Loan and lease loss provision to assets | -0.0282% | 4,265 |
| Net operating income to assets | 1.1629% | 2,046 |
| Return on assets (ROA) | 1.1978% | 1,984 |
| Pretax return on assets | 1.5591% | 1,545 |
| Return on Equity (ROE) | 8.3424% | 3,123 |
| Retained earnings to average equity (ytd only) | 1.4344% | 4,143 |
| Net charge-offs to loans | 0.0238% | 1,767 |
| Credit loss provision to net charge-offs | -82.0809% | 3,330 |
| Earnings coverage of net charge-offs (x) | 113.9451% | 819 |
| Efficiency ratio | 55.4997% | 3,756 |
| Assets per employee ($millions) | 19.4007% | 114 |
| Cash dividends to net income (ytd only)* | 82.8060% | 452 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3374% | 2,194 |
| Loan loss allowance to noncurrent loans | 234.2248% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 1,937 |
| Noncurrent loans to loans | 0.5710% | 1,715 |
| Net loans and leases to total assets | 51.9917% | 3,066 |
| Net loans and leases to deposits | 61.1741% | 2,974 |
| Net loans and leases to core deposits | 61.7091% | 3,192 |
| Total domestic deposits to total assets | 84.9897% | 3,272 |
| Equity capital to assets | 14.0143% | 662 |
| Core capital (leverage) ratio | 9.5421% | 2,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0903% | 1,815 |
| Memoranda: |
| Average total assets | $2,651,603,200 | 419 |
| Average earning assets | $2,398,958,600 | 420 |
| Average equity | $380,718,200 | 332 |
| Average total loans | $1,451,516,600 | 478 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6734% | 2,345 |
| Cost of funding earning assets | 0.0539% | 4,759 |
| Net interest margin | 3.6195% | 1,550 |
| Noninterest income to average assets | 0.2891% | 3,723 |
| Noninterest expense to average assets | 1.9878% | 3,716 |
| Loan and lease loss provision to assets | 0.0595% | 1,804 |
| Net operating income to assets | 1.1603% | 2,325 |
| Return on assets (ROA) | 1.2028% | 2,221 |
| Pretax return on assets | 1.5655% | 1,806 |
| Return on Equity (ROE) | 8.3266% | 3,306 |
| Retained earnings to average equity (ytd only) | 1.5800% | 4,297 |
| Net charge-offs to loans | 0.0434% | 1,238 |
| Credit loss provision to net charge-offs | 364.2105% | 915 |
| Earnings coverage of net charge-offs (x) | 65.5011% | 1,094 |
| Efficiency ratio | 53.3911% | 3,887 |
| Assets per employee ($millions) | 21.1568% | 89 |
| Cash dividends to net income (ytd only)* | 81.0243% | 375 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4215% | 1,934 |
| Loan loss allowance to noncurrent loans | 242.5967% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.4209% | 1,780 |
| Noncurrent loans to loans | 0.5859% | 1,847 |
| Net loans and leases to total assets | 53.9172% | 2,980 |
| Net loans and leases to deposits | 63.4645% | 2,910 |
| Net loans and leases to core deposits | 64.0450% | 3,137 |
| Total domestic deposits to total assets | 84.9564% | 3,132 |
| Equity capital to assets | 14.1384% | 702 |
| Core capital (leverage) ratio | 9.7982% | 2,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8900% | 2,006 |
| Memoranda: |
| Average total assets | $2,640,330,250 | 421 |
| Average earning assets | $2,385,254,750 | 425 |
| Average equity | $381,416,750 | 332 |
| Average total loans | $1,459,130,000 | 483 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6798% | 2,392 |
| Cost of funding earning assets | 0.0634% | 4,773 |
| Net interest margin | 3.6164% | 1,552 |
| Noninterest income to average assets | 0.2883% | 3,697 |
| Noninterest expense to average assets | 1.9910% | 3,724 |
| Loan and lease loss provision to assets | 0.0256% | 2,461 |
| Net operating income to assets | 1.1763% | 2,271 |
| Return on assets (ROA) | 1.2265% | 2,160 |
| Pretax return on assets | 1.5978% | 1,738 |
| Return on Equity (ROE) | 8.4288% | 3,276 |
| Retained earnings to average equity (ytd only) | 1.4642% | 4,245 |
| Net charge-offs to loans | 0.0628% | 986 |
| Credit loss provision to net charge-offs | 161.9256% | 1,133 |
| Earnings coverage of net charge-offs (x) | 44.7987% | 1,112 |
| Efficiency ratio | 53.5094% | 3,865 |
| Assets per employee ($millions) | 21.4085% | 83 |
| Cash dividends to net income (ytd only)* | 82.6292% | 451 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3493% | 2,190 |
| Loan loss allowance to noncurrent loans | 351.1017% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.4801% | 1,745 |
| Noncurrent loans to loans | 0.3843% | 2,527 |
| Net loans and leases to total assets | 55.7564% | 2,931 |
| Net loans and leases to deposits | 66.9783% | 2,722 |
| Net loans and leases to core deposits | 67.7187% | 2,985 |
| Total domestic deposits to total assets | 83.2453% | 3,655 |
| Equity capital to assets | 14.6574% | 590 |
| Core capital (leverage) ratio | 9.7846% | 2,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0807% | 1,944 |
| Memoranda: |
| Average total assets | $2,624,803,667 | 416 |
| Average earning assets | $2,368,118,667 | 420 |
| Average equity | $381,927,000 | 327 |
| Average total loans | $1,455,641,000 | 486 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7060% | 2,343 |
| Cost of funding earning assets | 0.0756% | 4,770 |
| Net interest margin | 3.6303% | 1,501 |
| Noninterest income to average assets | 0.2593% | 3,847 |
| Noninterest expense to average assets | 1.9642% | 3,825 |
| Loan and lease loss provision to assets | 0.0961% | 1,397 |
| Net operating income to assets | 1.1329% | 2,379 |
| Return on assets (ROA) | 1.1420% | 2,417 |
| Pretax return on assets | 1.4861% | 2,036 |
| Return on Equity (ROE) | 7.8768% | 3,365 |
| Retained earnings to average equity (ytd only) | 7.8768% | 2,285 |
| Net charge-offs to loans | 0.0761% | 819 |
| Credit loss provision to net charge-offs | 314.1818% | 736 |
| Earnings coverage of net charge-offs (x) | 37.5745% | 1,006 |
| Efficiency ratio | 52.9844% | 3,914 |
| Assets per employee ($millions) | 20.8905% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3982% | 1,964 |
| Loan loss allowance to noncurrent loans | 292.2121% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.5572% | 1,696 |
| Noncurrent loans to loans | 0.4785% | 2,413 |
| Net loans and leases to total assets | 54.1812% | 3,222 |
| Net loans and leases to deposits | 63.9154% | 3,131 |
| Net loans and leases to core deposits | 64.9581% | 3,322 |
| Total domestic deposits to total assets | 84.7702% | 3,197 |
| Equity capital to assets | 14.4238% | 589 |
| Core capital (leverage) ratio | 10.1146% | 2,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9665% | 1,579 |
| Memoranda: |
| Average total assets | $2,631,284,500 | 412 |
| Average earning assets | $2,374,226,000 | 419 |
| Average equity | $381,477,000 | 325 |
| Average total loans | $1,445,368,500 | 487 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2118% | 2,102 |
| Cost of funding earning assets | 0.1684% | 4,682 |
| Net interest margin | 4.0435% | 888 |
| Noninterest income to average assets | 0.1847% | 4,365 |
| Noninterest expense to average assets | 2.2189% | 3,627 |
| Loan and lease loss provision to assets | 0.3766% | 865 |
| Net operating income to assets | 0.9208% | 2,606 |
| Return on assets (ROA) | 0.9677% | 2,553 |
| Pretax return on assets | 1.2595% | 2,120 |
| Return on Equity (ROE) | 6.4930% | 3,411 |
| Retained earnings to average equity (ytd only) | 2.0244% | 3,812 |
| Net charge-offs to loans | 0.1036% | 1,432 |
| Credit loss provision to net charge-offs | 609.0078% | 1,091 |
| Earnings coverage of net charge-offs (x) | 25.4993% | 1,740 |
| Efficiency ratio | 55.7252% | 4,019 |
| Assets per employee ($millions) | 18.0162% | 114 |
| Cash dividends to net income (ytd only)* | 68.8217% | 998 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3594% | 2,154 |
| Loan loss allowance to noncurrent loans | 265.6969% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.5462% | 1,913 |
| Noncurrent loans to loans | 0.5116% | 2,439 |
| Net loans and leases to total assets | 54.1642% | 3,473 |
| Net loans and leases to deposits | 65.3089% | 3,336 |
| Net loans and leases to core deposits | 66.4843% | 3,502 |
| Total domestic deposits to total assets | 82.9355% | 3,431 |
| Equity capital to assets | 14.5718% | 662 |
| Core capital (leverage) ratio | 9.6676% | 2,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3028% | 1,743 |
| Memoranda: |
| Average total assets | $2,477,582,600 | 401 |
| Average earning assets | $2,212,584,400 | 403 |
| Average equity | $369,245,600 | 312 |
| Average total loans | $1,479,361,200 | 453 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2399% | 2,280 |
| Cost of funding earning assets | 0.1963% | 4,687 |
| Net interest margin | 4.0436% | 1,025 |
| Noninterest income to average assets | 0.2290% | 4,122 |
| Noninterest expense to average assets | 2.3317% | 3,335 |
| Loan and lease loss provision to assets | 0.4180% | 810 |
| Net operating income to assets | 0.8311% | 2,979 |
| Return on assets (ROA) | 0.8658% | 2,973 |
| Pretax return on assets | 1.1249% | 2,660 |
| Return on Equity (ROE) | 5.7749% | 3,626 |
| Retained earnings to average equity (ytd only) | 0.8534% | 4,298 |
| Net charge-offs to loans | 0.1158% | 1,201 |
| Credit loss provision to net charge-offs | 591.4927% | 1,170 |
| Earnings coverage of net charge-offs (x) | 21.2096% | 1,872 |
| Efficiency ratio | 58.0746% | 3,654 |
| Assets per employee ($millions) | 17.0291% | 120 |
| Cash dividends to net income (ytd only)* | 85.2219% | 494 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1967% | 2,684 |
| Loan loss allowance to noncurrent loans | 161.1766% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.4797% | 2,285 |
| Noncurrent loans to loans | 0.7425% | 1,952 |
| Net loans and leases to total assets | 56.9041% | 3,535 |
| Net loans and leases to deposits | 69.4387% | 3,358 |
| Net loans and leases to core deposits | 70.8286% | 3,568 |
| Total domestic deposits to total assets | 81.9488% | 3,433 |
| Equity capital to assets | 14.1895% | 807 |
| Core capital (leverage) ratio | 9.5849% | 3,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6812% | 1,934 |
| Memoranda: |
| Average total assets | $2,439,385,750 | 396 |
| Average earning assets | $2,172,754,500 | 402 |
| Average equity | $365,734,000 | 310 |
| Average total loans | $1,488,112,750 | 449 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3770% | 2,261 |
| Cost of funding earning assets | 0.2493% | 4,625 |
| Net interest margin | 4.1276% | 1,063 |
| Noninterest income to average assets | 0.2673% | 3,875 |
| Noninterest expense to average assets | 2.4459% | 3,119 |
| Loan and lease loss provision to assets | 0.5895% | 542 |
| Net operating income to assets | 0.6831% | 3,453 |
| Return on assets (ROA) | 0.7101% | 3,473 |
| Pretax return on assets | 0.9238% | 3,249 |
| Return on Equity (ROE) | 4.6439% | 3,937 |
| Retained earnings to average equity (ytd only) | -0.0419% | 4,310 |
| Net charge-offs to loans | 0.1543% | 953 |
| Credit loss provision to net charge-offs | 613.4211% | 1,091 |
| Earnings coverage of net charge-offs (x) | 15.3921% | 1,912 |
| Efficiency ratio | 59.4236% | 3,499 |
| Assets per employee ($millions) | 16.1199% | 140 |
| Cash dividends to net income (ytd only)* | 100.9022% | 483 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1369% | 2,844 |
| Loan loss allowance to noncurrent loans | 203.0999% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.3983% | 2,698 |
| Noncurrent loans to loans | 0.5598% | 2,486 |
| Net loans and leases to total assets | 60.3962% | 3,281 |
| Net loans and leases to deposits | 71.6253% | 3,297 |
| Net loans and leases to core deposits | 73.1259% | 3,511 |
| Total domestic deposits to total assets | 84.3224% | 2,627 |
| Equity capital to assets | 14.3661% | 761 |
| Core capital (leverage) ratio | 9.7668% | 3,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4278% | 2,023 |
| Memoranda: |
| Average total assets | $2,372,675,667 | 402 |
| Average earning assets | $2,102,555,000 | 406 |
| Average equity | $362,800,667 | 312 |
| Average total loans | $1,477,421,667 | 444 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5531% | 2,145 |
| Cost of funding earning assets | 0.4002% | 4,358 |
| Net interest margin | 4.1529% | 1,016 |
| Noninterest income to average assets | 0.3408% | 3,480 |
| Noninterest expense to average assets | 1.9566% | 4,477 |
| Loan and lease loss provision to assets | 0.8128% | 302 |
| Net operating income to assets | 0.9370% | 2,390 |
| Return on assets (ROA) | 0.9668% | 2,397 |
| Pretax return on assets | 1.2681% | 1,972 |
| Return on Equity (ROE) | 6.1165% | 3,277 |
| Retained earnings to average equity (ytd only) | -3.2952% | 4,380 |
| Net charge-offs to loans | 0.0242% | 1,882 |
| Credit loss provision to net charge-offs | 5,337.9310% | 146 |
| Earnings coverage of net charge-offs (x) | 134.1954% | 468 |
| Efficiency ratio | 45.9549% | 4,832 |
| Assets per employee ($millions) | 13.7930% | 164 |
| Cash dividends to net income (ytd only)* | 153.8740% | 443 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1324% | 3,029 |
| Loan loss allowance to noncurrent loans | 148.8875% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.5469% | 2,350 |
| Noncurrent loans to loans | 0.7606% | 2,098 |
| Net loans and leases to total assets | 62.8915% | 3,201 |
| Net loans and leases to deposits | 76.6062% | 3,020 |
| Net loans and leases to core deposits | 78.5264% | 3,313 |
| Total domestic deposits to total assets | 82.0971% | 3,390 |
| Equity capital to assets | 15.5738% | 660 |
| Core capital (leverage) ratio | 10.5702% | 2,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2985% | 2,149 |
| Memoranda: |
| Average total assets | $2,285,542,500 | 401 |
| Average earning assets | $2,013,835,500 | 406 |
| Average equity | $361,253,000 | 311 |
| Average total loans | $1,438,160,000 | 439 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8871% | 1,790 |
| Cost of funding earning assets | 0.5508% | 3,868 |
| Net interest margin | 4.3363% | 1,019 |
| Noninterest income to average assets | 0.4438% | 3,037 |
| Noninterest expense to average assets | 2.5907% | 3,203 |
| Loan and lease loss provision to assets | 0.0476% | 3,075 |
| Net operating income to assets | 1.2375% | 1,915 |
| Return on assets (ROA) | 1.2439% | 1,974 |
| Pretax return on assets | 1.6243% | 1,417 |
| Return on Equity (ROE) | 7.7317% | 3,278 |
| Retained earnings to average equity (ytd only) | 0.3801% | 4,583 |
| Net charge-offs to loans | 0.0337% | 2,712 |
| Credit loss provision to net charge-offs | 225.9875% | 1,183 |
| Earnings coverage of net charge-offs (x) | 78.9667% | 798 |
| Efficiency ratio | 57.7241% | 4,009 |
| Assets per employee ($millions) | 12.8946% | 184 |
| Cash dividends to net income (ytd only)* | 95.0838% | 414 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6747% | 4,618 |
| Loan loss allowance to noncurrent loans | 439.3345% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.1581% | 3,848 |
| Noncurrent loans to loans | 0.1536% | 3,913 |
| Net loans and leases to total assets | 61.8225% | 3,415 |
| Net loans and leases to deposits | 77.5727% | 3,053 |
| Net loans and leases to core deposits | 79.4355% | 3,348 |
| Total domestic deposits to total assets | 79.6961% | 4,043 |
| Equity capital to assets | 16.0362% | 596 |
| Core capital (leverage) ratio | 10.6574% | 2,800 |
| Tier 1 risk-based capital ratio | 13.3282% | 3,620 |
| Total risk-based capital ratio | 13.8848% | 3,875 |
| Memoranda: |
| Average total assets | $2,282,806,000 | 377 |
| Average earning assets | $2,006,148,200 | 389 |
| Average equity | $367,268,400 | 303 |
| Average total loans | $1,426,052,000 | 420 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9273% | 1,737 |
| Cost of funding earning assets | 0.5566% | 3,891 |
| Net interest margin | 4.3707% | 1,009 |
| Noninterest income to average assets | 0.4771% | 2,867 |
| Noninterest expense to average assets | 2.6653% | 2,964 |
| Loan and lease loss provision to assets | 0.0136% | 3,630 |
| Net operating income to assets | 1.2524% | 2,007 |
| Return on assets (ROA) | 1.2535% | 2,086 |
| Pretax return on assets | 1.6405% | 1,496 |
| Return on Equity (ROE) | 7.7851% | 3,396 |
| Retained earnings to average equity (ytd only) | 0.3389% | 4,697 |
| Net charge-offs to loans | 0.0311% | 2,454 |
| Credit loss provision to net charge-offs | 70.1807% | 2,619 |
| Earnings coverage of net charge-offs (x) | 85.1136% | 830 |
| Efficiency ratio | 58.4933% | 3,864 |
| Assets per employee ($millions) | 12.6946% | 180 |
| Cash dividends to net income (ytd only)* | 95.6469% | 373 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6266% | 4,767 |
| Loan loss allowance to noncurrent loans | 343.8799% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 3,722 |
| Noncurrent loans to loans | 0.1822% | 3,881 |
| Net loans and leases to total assets | 60.6600% | 3,623 |
| Net loans and leases to deposits | 74.7353% | 3,414 |
| Net loans and leases to core deposits | 76.5413% | 3,657 |
| Total domestic deposits to total assets | 81.1664% | 3,702 |
| Equity capital to assets | 15.9237% | 647 |
| Core capital (leverage) ratio | 10.7445% | 2,896 |
| Tier 1 risk-based capital ratio | 13.6240% | 3,515 |
| Total risk-based capital ratio | 14.1548% | 3,796 |
| Memoranda: |
| Average total assets | $2,279,697,750 | 379 |
| Average earning assets | $2,003,338,000 | 390 |
| Average equity | $367,068,000 | 308 |
| Average total loans | $1,425,412,000 | 425 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9839% | 1,523 |
| Cost of funding earning assets | 0.5122% | 4,062 |
| Net interest margin | 4.4717% | 820 |
| Noninterest income to average assets | 0.5347% | 2,475 |
| Noninterest expense to average assets | 2.7361% | 2,800 |
| Loan and lease loss provision to assets | -0.0570% | 5,183 |
| Net operating income to assets | 1.3611% | 1,543 |
| Return on assets (ROA) | 1.3625% | 1,598 |
| Pretax return on assets | 1.7829% | 1,082 |
| Return on Equity (ROE) | 8.4298% | 3,101 |
| Retained earnings to average equity (ytd only) | 1.5888% | 4,257 |
| Net charge-offs to loans | 0.0382% | 2,123 |
| Credit loss provision to net charge-offs | -236.7647% | 4,008 |
| Earnings coverage of net charge-offs (x) | 71.6618% | 879 |
| Efficiency ratio | 57.9815% | 4,016 |
| Assets per employee ($millions) | 10.6679% | 290 |
| Cash dividends to net income (ytd only)* | 81.1530% | 801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5866% | 4,896 |
| Loan loss allowance to noncurrent loans | 328.8898% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.2697% | 3,477 |
| Noncurrent loans to loans | 0.1784% | 3,916 |
| Net loans and leases to total assets | 60.8255% | 3,671 |
| Net loans and leases to deposits | 75.0371% | 3,422 |
| Net loans and leases to core deposits | 76.7113% | 3,670 |
| Total domestic deposits to total assets | 81.0606% | 3,788 |
| Equity capital to assets | 16.3907% | 552 |
| Core capital (leverage) ratio | 11.1376% | 2,471 |
| Tier 1 risk-based capital ratio | 13.9842% | 3,324 |
| Total risk-based capital ratio | 14.4763% | 3,631 |
| Memoranda: |
| Average total assets | $2,260,993,330 | 384 |
| Average earning assets | $1,984,844,670 | 394 |
| Average equity | $365,441,330 | 310 |
| Average total loans | $1,425,270,670 | 424 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9937% | 1,350 |
| Cost of funding earning assets | 0.4863% | 4,123 |
| Net interest margin | 4.5075% | 730 |
| Noninterest income to average assets | 0.3863% | 3,282 |
| Noninterest expense to average assets | 2.7791% | 2,644 |
| Loan and lease loss provision to assets | -0.1380% | 5,303 |
| Net operating income to assets | 1.2962% | 1,708 |
| Return on assets (ROA) | 1.2886% | 1,784 |
| Pretax return on assets | 1.6882% | 1,242 |
| Return on Equity (ROE) | 8.0294% | 3,250 |
| Retained earnings to average equity (ytd only) | 3.0682% | 3,706 |
| Net charge-offs to loans | 0.0183% | 2,106 |
| Credit loss provision to net charge-offs | -1,181.8182% | 3,960 |
| Earnings coverage of net charge-offs (x) | 133.5606% | 549 |
| Efficiency ratio | 60.9371% | 3,688 |
| Assets per employee ($millions) | 9.9287% | 348 |
| Cash dividends to net income (ytd only)* | 61.7877% | 1,304 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5782% | 4,974 |
| Loan loss allowance to noncurrent loans | 227.9866% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.3165% | 3,326 |
| Noncurrent loans to loans | 0.2536% | 3,653 |
| Net loans and leases to total assets | 63.5856% | 3,336 |
| Net loans and leases to deposits | 78.0968% | 3,047 |
| Net loans and leases to core deposits | 79.6176% | 3,403 |
| Total domestic deposits to total assets | 81.4189% | 3,876 |
| Equity capital to assets | 16.5375% | 493 |
| Core capital (leverage) ratio | 10.8386% | 2,727 |
| Tier 1 risk-based capital ratio | 13.6957% | 3,497 |
| Total risk-based capital ratio | 14.1825% | 3,808 |
| Memoranda: |
| Average total assets | $2,260,694,500 | 382 |
| Average earning assets | $1,982,405,500 | 396 |
| Average equity | $362,816,500 | 312 |
| Average total loans | $1,446,035,500 | 423 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9326% | 1,199 |
| Cost of funding earning assets | 0.2739% | 4,688 |
| Net interest margin | 4.6587% | 533 |
| Noninterest income to average assets | 0.4592% | 3,051 |
| Noninterest expense to average assets | 2.7920% | 2,720 |
| Loan and lease loss provision to assets | 0.2095% | 892 |
| Net operating income to assets | 1.1803% | 2,269 |
| Return on assets (ROA) | 1.1855% | 2,234 |
| Pretax return on assets | 1.5540% | 1,608 |
| Return on Equity (ROE) | 7.5921% | 3,620 |
| Retained earnings to average equity (ytd only) | 1.4622% | 4,548 |
| Net charge-offs to loans | 0.0702% | 2,113 |
| Credit loss provision to net charge-offs | 474.3842% | 722 |
| Earnings coverage of net charge-offs (x) | 39.7852% | 1,314 |
| Efficiency ratio | 58.2444% | 4,127 |
| Assets per employee ($millions) | 9.8602% | 354 |
| Cash dividends to net income (ytd only)* | 80.7399% | 686 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6120% | 4,950 |
| Loan loss allowance to noncurrent loans | 202.5336% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 3,259 |
| Noncurrent loans to loans | 0.3022% | 3,473 |
| Net loans and leases to total assets | 63.5812% | 3,397 |
| Net loans and leases to deposits | 79.3671% | 3,020 |
| Net loans and leases to core deposits | 80.8076% | 3,366 |
| Total domestic deposits to total assets | 80.1103% | 4,080 |
| Equity capital to assets | 15.5800% | 604 |
| Core capital (leverage) ratio | 10.5166% | 3,009 |
| Tier 1 risk-based capital ratio | 12.9403% | 3,880 |
| Total risk-based capital ratio | 13.4568% | 4,172 |
| Memoranda: |
| Average total assets | $2,298,467,400 | 378 |
| Average earning assets | $2,017,760,800 | 385 |
| Average equity | $358,899,200 | 309 |
| Average total loans | $1,446,645,400 | 414 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9025% | 1,148 |
| Cost of funding earning assets | 0.2368% | 4,859 |
| Net interest margin | 4.6658% | 506 |
| Noninterest income to average assets | 0.4319% | 3,271 |
| Noninterest expense to average assets | 2.8042% | 2,622 |
| Loan and lease loss provision to assets | 0.1927% | 916 |
| Net operating income to assets | 1.1695% | 2,365 |
| Return on assets (ROA) | 1.1754% | 2,340 |
| Pretax return on assets | 1.5363% | 1,784 |
| Return on Equity (ROE) | 7.5232% | 3,740 |
| Retained earnings to average equity (ytd only) | 5.6650% | 2,846 |
| Net charge-offs to loans | 0.0894% | 1,612 |
| Credit loss provision to net charge-offs | 343.9378% | 915 |
| Earnings coverage of net charge-offs (x) | 30.7255% | 1,582 |
| Efficiency ratio | 58.7581% | 3,998 |
| Assets per employee ($millions) | 9.5436% | 377 |
| Cash dividends to net income (ytd only)* | 24.6999% | 2,803 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5292% | 5,151 |
| Loan loss allowance to noncurrent loans | 123.3659% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.5658% | 2,491 |
| Noncurrent loans to loans | 0.4290% | 3,118 |
| Net loans and leases to total assets | 62.0043% | 3,658 |
| Net loans and leases to deposits | 74.8288% | 3,518 |
| Net loans and leases to core deposits | 76.0928% | 3,797 |
| Total domestic deposits to total assets | 82.8616% | 3,357 |
| Equity capital to assets | 15.8415% | 566 |
| Core capital (leverage) ratio | 11.0638% | 2,519 |
| Tier 1 risk-based capital ratio | 13.9204% | 3,412 |
| Total risk-based capital ratio | 14.3704% | 3,747 |
| Memoranda: |
| Average total assets | $2,296,263,250 | 376 |
| Average earning assets | $2,014,797,000 | 383 |
| Average equity | $358,755,000 | 307 |
| Average total loans | $1,439,298,500 | 412 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8873% | 1,050 |
| Cost of funding earning assets | 0.2201% | 4,920 |
| Net interest margin | 4.6672% | 479 |
| Noninterest income to average assets | 0.4277% | 3,312 |
| Noninterest expense to average assets | 2.8640% | 2,452 |
| Loan and lease loss provision to assets | 0.2522% | 611 |
| Net operating income to assets | 1.0797% | 2,662 |
| Return on assets (ROA) | 1.0877% | 2,637 |
| Pretax return on assets | 1.4191% | 2,090 |
| Return on Equity (ROE) | 6.9944% | 3,905 |
| Retained earnings to average equity (ytd only) | 4.1924% | 3,514 |
| Net charge-offs to loans | 0.0915% | 1,430 |
| Credit loss provision to net charge-offs | 439.1502% | 771 |
| Earnings coverage of net charge-offs (x) | 28.9272% | 1,544 |
| Efficiency ratio | 59.9850% | 3,937 |
| Assets per employee ($millions) | 9.0722% | 432 |
| Cash dividends to net income (ytd only)* | 40.0609% | 2,123 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5195% | 5,232 |
| Loan loss allowance to noncurrent loans | 225.5512% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.4255% | 3,021 |
| Noncurrent loans to loans | 0.2303% | 3,889 |
| Net loans and leases to total assets | 62.3107% | 3,564 |
| Net loans and leases to deposits | 76.5781% | 3,281 |
| Net loans and leases to core deposits | 77.9856% | 3,581 |
| Total domestic deposits to total assets | 81.3688% | 3,902 |
| Equity capital to assets | 15.6033% | 575 |
| Core capital (leverage) ratio | 10.6427% | 2,876 |
| Tier 1 risk-based capital ratio | 13.5506% | 3,589 |
| Total risk-based capital ratio | 13.9965% | 3,945 |
| Memoranda: |
| Average total assets | $2,295,011,670 | 377 |
| Average earning assets | $2,014,893,670 | 382 |
| Average equity | $356,887,670 | 304 |
| Average total loans | $1,441,165,330 | 408 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8465% | 987 |
| Cost of funding earning assets | 0.2050% | 4,987 |
| Net interest margin | 4.6415% | 455 |
| Noninterest income to average assets | 0.4682% | 3,005 |
| Noninterest expense to average assets | 2.9546% | 2,193 |
| Loan and lease loss provision to assets | 0.3822% | 303 |
| Net operating income to assets | 0.9278% | 3,169 |
| Return on assets (ROA) | 0.9522% | 3,086 |
| Pretax return on assets | 1.2391% | 2,600 |
| Return on Equity (ROE) | 6.1337% | 4,114 |
| Retained earnings to average equity (ytd only) | 4.4495% | 3,416 |
| Net charge-offs to loans | 0.0166% | 2,178 |
| Credit loss provision to net charge-offs | 3,655.0000% | 107 |
| Earnings coverage of net charge-offs (x) | 152.0833% | 428 |
| Efficiency ratio | 61.6966% | 3,840 |
| Assets per employee ($millions) | 8.7446% | 481 |
| Cash dividends to net income (ytd only)* | 27.4574% | 2,226 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5168% | 5,309 |
| Loan loss allowance to noncurrent loans | 215.6955% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 3,053 |
| Noncurrent loans to loans | 0.2396% | 3,913 |
| Net loans and leases to total assets | 61.6585% | 3,590 |
| Net loans and leases to deposits | 74.0593% | 3,409 |
| Net loans and leases to core deposits | 76.5201% | 3,622 |
| Total domestic deposits to total assets | 83.2555% | 3,591 |
| Equity capital to assets | 15.4560% | 573 |
| Core capital (leverage) ratio | 10.4406% | 3,021 |
| Tier 1 risk-based capital ratio | 13.5524% | 3,631 |
| Total risk-based capital ratio | 14.0028% | 3,976 |
| Memoranda: |
| Average total assets | $2,294,887,000 | 380 |
| Average earning assets | $2,015,711,500 | 387 |
| Average equity | $356,263,000 | 306 |
| Average total loans | $1,442,917,500 | 409 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3781% | 318 |
| Cost of funding earning assets | 0.2389% | 4,658 |
| Net interest margin | 5.1392% | 182 |
| Noninterest income to average assets | 0.6211% | 2,345 |
| Noninterest expense to average assets | 3.6063% | 890 |
| Loan and lease loss provision to assets | 0.2389% | 801 |
| Net operating income to assets | 0.5287% | 4,300 |
| Return on assets (ROA) | 0.5383% | 4,302 |
| Pretax return on assets | 1.3260% | 2,263 |
| Return on Equity (ROE) | 3.6426% | 4,634 |
| Retained earnings to average equity (ytd only) | 3.6426% | 3,072 |
| Net charge-offs to loans | 0.0566% | 2,672 |
| Credit loss provision to net charge-offs | 636.9888% | 505 |
| Earnings coverage of net charge-offs (x) | 41.3290% | 1,234 |
| Efficiency ratio | 66.9217% | 3,092 |
| Assets per employee ($millions) | 8.5128% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3583% | 5,521 |
| Loan loss allowance to noncurrent loans | 154.6395% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.4497% | 3,067 |
| Noncurrent loans to loans | 0.2317% | 3,974 |
| Net loans and leases to total assets | 63.5472% | 3,415 |
| Net loans and leases to deposits | 76.7698% | 3,253 |
| Net loans and leases to core deposits | 79.7792% | 3,442 |
| Total domestic deposits to total assets | 82.7763% | 3,637 |
| Equity capital to assets | 15.5927% | 572 |
| Core capital (leverage) ratio | 10.0289% | 3,419 |
| Tier 1 risk-based capital ratio | 13.3101% | 3,735 |
| Total risk-based capital ratio | 13.6262% | 4,193 |
| Memoranda: |
| Average total assets | $1,434,585,800 | 537 |
| Average earning assets | $1,265,949,200 | 554 |
| Average equity | $211,991,000 | 419 |
| Average total loans | $950,072,000 | 560 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0668% | 535 |
| Cost of funding earning assets | 0.2444% | 4,616 |
| Net interest margin | 4.8224% | 320 |
| Noninterest income to average assets | 0.6334% | 2,295 |
| Noninterest expense to average assets | 3.6448% | 822 |
| Loan and lease loss provision to assets | 0.1896% | 1,029 |
| Net operating income to assets | 0.7190% | 3,874 |
| Return on assets (ROA) | 0.7266% | 3,907 |
| Pretax return on assets | 1.0795% | 3,385 |
| Return on Equity (ROE) | 5.0480% | 4,515 |
| Retained earnings to average equity (ytd only) | 5.0480% | 2,861 |
| Net charge-offs to loans | 0.0828% | 1,972 |
| Credit loss provision to net charge-offs | 339.7260% | 885 |
| Earnings coverage of net charge-offs (x) | 22.5341% | 1,858 |
| Efficiency ratio | 71.3340% | 2,317 |
| Assets per employee ($millions) | 7.0633% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2314% | 5,644 |
| Loan loss allowance to noncurrent loans | 106.0309% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 3,267 |
| Noncurrent loans to loans | 0.2183% | 4,188 |
| Net loans and leases to total assets | 66.2095% | 3,075 |
| Net loans and leases to deposits | 79.9434% | 2,982 |
| Net loans and leases to core deposits | 83.6027% | 3,167 |
| Total domestic deposits to total assets | 82.8205% | 3,518 |
| Equity capital to assets | 15.3172% | 669 |
| Core capital (leverage) ratio | 10.4943% | 2,993 |
| Tier 1 risk-based capital ratio | 12.6563% | 4,232 |
| Total risk-based capital ratio | 12.8632% | 4,766 |
| Memoranda: |
| Average total assets | $1,220,743,250 | 622 |
| Average earning assets | $1,080,687,500 | 632 |
| Average equity | $175,722,250 | 482 |
| Average total loans | $822,481,000 | 640 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6078% | 1,239 |
| Cost of funding earning assets | 0.2652% | 4,417 |
| Net interest margin | 4.3426% | 776 |
| Noninterest income to average assets | 0.8241% | 1,485 |
| Noninterest expense to average assets | 3.8537% | 628 |
| Loan and lease loss provision to assets | 0.1311% | 1,590 |
| Net operating income to assets | 0.5017% | 4,703 |
| Return on assets (ROA) | 0.4952% | 4,753 |
| Pretax return on assets | 0.6959% | 4,559 |
| Return on Equity (ROE) | 3.6525% | 4,935 |
| Retained earnings to average equity (ytd only) | 3.6525% | 3,529 |
| Net charge-offs to loans | 0.0422% | 2,349 |
| Credit loss provision to net charge-offs | 454.4715% | 713 |
| Earnings coverage of net charge-offs (x) | 28.9919% | 1,487 |
| Efficiency ratio | 79.8130% | 1,226 |
| Assets per employee ($millions) | 5.4890% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4967% | 5,522 |
| Loan loss allowance to noncurrent loans | 99.8563% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3958% | 3,533 |
| Noncurrent loans to loans | 0.4974% | 3,263 |
| Net loans and leases to total assets | 68.0940% | 2,806 |
| Net loans and leases to deposits | 81.5545% | 2,741 |
| Net loans and leases to core deposits | 87.2480% | 2,777 |
| Total domestic deposits to total assets | 83.4951% | 3,405 |
| Equity capital to assets | 14.3508% | 866 |
| Core capital (leverage) ratio | 10.3546% | 3,064 |
| Tier 1 risk-based capital ratio | 14.6924% | 3,070 |
| Total risk-based capital ratio | 15.1869% | 3,379 |
| Memoranda: |
| Average total assets | $853,048,670 | 885 |
| Average earning assets | $759,369,330 | 916 |
| Average equity | $115,647,670 | 712 |
| Average total loans | $582,587,000 | 894 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5358% | 1,290 |
| Cost of funding earning assets | 0.2609% | 4,446 |
| Net interest margin | 4.2749% | 837 |
| Noninterest income to average assets | 0.8054% | 1,534 |
| Noninterest expense to average assets | 3.6355% | 850 |
| Loan and lease loss provision to assets | 0.1052% | 1,817 |
| Net operating income to assets | 0.6079% | 4,122 |
| Return on assets (ROA) | 0.6276% | 4,077 |
| Pretax return on assets | 0.9097% | 3,733 |
| Return on Equity (ROE) | 4.7601% | 4,498 |
| Retained earnings to average equity (ytd only) | 4.7601% | 3,031 |
| Net charge-offs to loans | 0.0067% | 2,739 |
| Credit loss provision to net charge-offs | 2,290.0000% | 149 |
| Earnings coverage of net charge-offs (x) | 214.7000% | 263 |
| Efficiency ratio | 76.2624% | 1,872 |
| Assets per employee ($millions) | 5.5967% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4449% | 5,649 |
| Loan loss allowance to noncurrent loans | 65.3660% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 0.6231% | 2,762 |
| Noncurrent loans to loans | 0.6806% | 2,810 |
| Net loans and leases to total assets | 68.3172% | 2,627 |
| Net loans and leases to deposits | 80.5088% | 2,684 |
| Net loans and leases to core deposits | 86.1441% | 2,696 |
| Total domestic deposits to total assets | 84.8568% | 3,140 |
| Equity capital to assets | 13.7973% | 973 |
| Core capital (leverage) ratio | 9.8579% | 3,684 |
| Tier 1 risk-based capital ratio | 14.1024% | 3,412 |
| Total risk-based capital ratio | 14.5448% | 3,811 |
| Memoranda: |
| Average total assets | $870,643,500 | 872 |
| Average earning assets | $777,278,000 | 900 |
| Average equity | $114,787,000 | 721 |
| Average total loans | $594,034,000 | 882 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0376% | 556 |
| Cost of funding earning assets | 0.2913% | 4,159 |
| Net interest margin | 4.7463% | 388 |
| Noninterest income to average assets | 1.0000% | 1,145 |
| Noninterest expense to average assets | 4.2413% | 468 |
| Loan and lease loss provision to assets | 0.3361% | 526 |
| Net operating income to assets | 0.4446% | 4,815 |
| Return on assets (ROA) | 0.4715% | 4,815 |
| Pretax return on assets | 0.6948% | 4,505 |
| Return on Equity (ROE) | 3.7743% | 4,909 |
| Retained earnings to average equity (ytd only) | 3.7743% | 3,233 |
| Net charge-offs to loans | 0.2062% | 1,350 |
| Credit loss provision to net charge-offs | 227.8820% | 1,259 |
| Earnings coverage of net charge-offs (x) | 6.7212% | 3,131 |
| Efficiency ratio | 78.6402% | 1,602 |
| Assets per employee ($millions) | 6.2192% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3830% | 5,747 |
| Loan loss allowance to noncurrent loans | 69.4930% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 0.5221% | 3,176 |
| Noncurrent loans to loans | 0.5512% | 3,198 |
| Net loans and leases to total assets | 67.6034% | 2,835 |
| Net loans and leases to deposits | 83.1189% | 2,526 |
| Net loans and leases to core deposits | 91.4615% | 2,350 |
| Total domestic deposits to total assets | 81.3333% | 4,250 |
| Equity capital to assets | 12.6134% | 1,455 |
| Core capital (leverage) ratio | 9.3330% | 4,313 |
| Tier 1 risk-based capital ratio | 12.8792% | 4,147 |
| Total risk-based capital ratio | 13.2524% | 4,611 |
| Memoranda: |
| Average total assets | $758,609,800 | 955 |
| Average earning assets | $676,531,000 | 983 |
| Average equity | $94,772,400 | 844 |
| Average total loans | $542,549,200 | 910 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0970% | 500 |
| Cost of funding earning assets | 0.2998% | 4,101 |
| Net interest margin | 4.7971% | 367 |
| Noninterest income to average assets | 0.9852% | 1,175 |
| Noninterest expense to average assets | 4.3368% | 433 |
| Loan and lease loss provision to assets | 0.4333% | 315 |
| Net operating income to assets | 0.3352% | 5,199 |
| Return on assets (ROA) | 0.3698% | 5,204 |
| Pretax return on assets | 0.5386% | 5,041 |
| Return on Equity (ROE) | 2.9693% | 5,228 |
| Retained earnings to average equity (ytd only) | 2.9693% | 4,133 |
| Net charge-offs to loans | 0.3333% | 692 |
| Credit loss provision to net charge-offs | 178.9033% | 1,567 |
| Earnings coverage of net charge-offs (x) | 3.8058% | 3,357 |
| Efficiency ratio | 80.0267% | 1,436 |
| Assets per employee ($millions) | 5.9121% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3045% | 5,856 |
| Loan loss allowance to noncurrent loans | 34.5874% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 0.7808% | 2,603 |
| Noncurrent loans to loans | 0.8804% | 2,499 |
| Net loans and leases to total assets | 71.4755% | 2,267 |
| Net loans and leases to deposits | 83.1775% | 2,583 |
| Net loans and leases to core deposits | 91.2044% | 2,461 |
| Total domestic deposits to total assets | 85.9312% | 2,395 |
| Equity capital to assets | 12.9481% | 1,511 |
| Core capital (leverage) ratio | 9.1900% | 4,610 |
| Tier 1 risk-based capital ratio | 12.1274% | 4,711 |
| Total risk-based capital ratio | 12.4254% | 5,179 |
| Memoranda: |
| Average total assets | $722,816,750 | 994 |
| Average earning assets | $643,894,250 | 1,019 |
| Average equity | $90,029,250 | 896 |
| Average total loans | $525,191,750 | 935 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1761% | 441 |
| Cost of funding earning assets | 0.2926% | 4,216 |
| Net interest margin | 4.8835% | 326 |
| Noninterest income to average assets | 0.9799% | 1,174 |
| Noninterest expense to average assets | 4.5141% | 382 |
| Loan and lease loss provision to assets | 0.3960% | 389 |
| Net operating income to assets | 0.2801% | 5,372 |
| Return on assets (ROA) | 0.3242% | 5,336 |
| Pretax return on assets | 0.4788% | 5,176 |
| Return on Equity (ROE) | 2.6500% | 5,347 |
| Retained earnings to average equity (ytd only) | 2.6500% | 4,210 |
| Net charge-offs to loans | 0.4025% | 564 |
| Credit loss provision to net charge-offs | 134.5918% | 1,735 |
| Earnings coverage of net charge-offs (x) | 2.7531% | 3,213 |
| Efficiency ratio | 82.3277% | 1,232 |
| Assets per employee ($millions) | 6.0646% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.1864% | 5,975 |
| Loan loss allowance to noncurrent loans | 26.7750% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 0.6852% | 2,937 |
| Noncurrent loans to loans | 0.6962% | 2,991 |
| Net loans and leases to total assets | 73.6973% | 1,899 |
| Net loans and leases to deposits | 86.4595% | 2,194 |
| Net loans and leases to core deposits | 97.8244% | 1,821 |
| Total domestic deposits to total assets | 85.2390% | 2,764 |
| Equity capital to assets | 12.6791% | 1,671 |
| Core capital (leverage) ratio | 8.8190% | 5,034 |
| Tier 1 risk-based capital ratio | 11.2935% | 5,280 |
| Total risk-based capital ratio | 11.4769% | 5,706 |
| Memoranda: |
| Average total assets | $666,181,330 | 1,069 |
| Average earning assets | $592,611,000 | 1,107 |
| Average equity | $81,508,670 | 977 |
| Average total loans | $486,913,330 | 1,002 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3452% | 328 |
| Cost of funding earning assets | 0.3141% | 4,013 |
| Net interest margin | 5.0311% | 234 |
| Noninterest income to average assets | 1.0132% | 1,046 |
| Noninterest expense to average assets | 4.6376% | 347 |
| Loan and lease loss provision to assets | -0.0801% | 5,970 |
| Net operating income to assets | 0.6059% | 4,152 |
| Return on assets (ROA) | 0.6054% | 4,273 |
| Pretax return on assets | 0.9390% | 3,696 |
| Return on Equity (ROE) | 5.1028% | 4,434 |
| Retained earnings to average equity (ytd only) | 5.1028% | 2,869 |
| Net charge-offs to loans | -0.0152% | 4,724 |
| Credit loss provision to net charge-offs | 726.6667% | 472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0369% | 1,368 |
| Assets per employee ($millions) | 6.1393% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.1196% | 6,056 |
| Loan loss allowance to noncurrent loans | 29.1563% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 0.4801% | 3,682 |
| Noncurrent loans to loans | 0.4100% | 3,964 |
| Net loans and leases to total assets | 73.8086% | 1,753 |
| Net loans and leases to deposits | 87.7667% | 1,858 |
| Net loans and leases to core deposits | 96.6254% | 1,735 |
| Total domestic deposits to total assets | 84.0964% | 3,482 |
| Equity capital to assets | 12.4559% | 1,711 |
| Core capital (leverage) ratio | 13.4593% | 1,001 |
| Tier 1 risk-based capital ratio | 11.1798% | 5,406 |
| Total risk-based capital ratio | 11.2980% | 5,843 |
| Memoranda: |
| Average total assets | $544,423,500 | 1,277 |
| Average earning assets | $485,221,500 | 1,313 |
| Average equity | $64,592,500 | 1,211 |
| Average total loans | $394,533,000 | 1,213 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9619% | 3,461 |
| Cost of funding earning assets | 0.3696% | 3,491 |
| Net interest margin | 3.5922% | 3,169 |
| Noninterest income to average assets | 3.2024% | 189 |
| Noninterest expense to average assets | 6.6895% | 149 |
| Loan and lease loss provision to assets | -0.3841% | 6,099 |
| Net operating income to assets | 0.1293% | 5,715 |
| Return on assets (ROA) | 0.1880% | 5,655 |
| Pretax return on assets | 0.2041% | 5,681 |
| Return on Equity (ROE) | 2.0736% | 5,554 |
| Retained earnings to average equity (ytd only) | 2.0736% | 4,548 |
| Net charge-offs to loans | 0.0707% | 2,830 |
| Credit loss provision to net charge-offs | -828.9855% | 5,532 |
| Earnings coverage of net charge-offs (x) | -5.2609% | 4,403 |
| Efficiency ratio | 103.7816% | 217 |
| Assets per employee ($millions) | 3.2361% | 5,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8778% | 5,167 |
| Loan loss allowance to noncurrent loans | 140.0307% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.4030% | 3,987 |
| Noncurrent loans to loans | 0.6269% | 3,305 |
| Net loans and leases to total assets | 63.7170% | 3,320 |
| Net loans and leases to deposits | 80.0705% | 2,813 |
| Net loans and leases to core deposits | 85.9501% | 2,800 |
| Total domestic deposits to total assets | 79.5762% | 4,848 |
| Equity capital to assets | 8.4756% | 5,583 |
| Core capital (leverage) ratio | 8.6651% | 5,255 |
| Tier 1 risk-based capital ratio | 10.5382% | 5,758 |
| Total risk-based capital ratio | 11.2565% | 5,900 |
| Memoranda: |
| Average total assets | $148,921,000 | 3,586 |
| Average earning assets | $134,457,000 | 3,621 |
| Average equity | $13,503,000 | 4,046 |
| Average total loans | $97,613,400 | 3,425 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9592% | 3,500 |
| Cost of funding earning assets | 0.3864% | 3,374 |
| Net interest margin | 3.5728% | 3,263 |
| Noninterest income to average assets | 3.5140% | 177 |
| Noninterest expense to average assets | 7.0518% | 146 |
| Loan and lease loss provision to assets | -0.4685% | 6,205 |
| Net operating income to assets | 0.1380% | 5,795 |
| Return on assets (ROA) | 0.1995% | 5,739 |
| Pretax return on assets | 0.2361% | 5,745 |
| Return on Equity (ROE) | 2.1610% | 5,634 |
| Retained earnings to average equity (ytd only) | 2.1610% | 4,804 |
| Net charge-offs to loans | 0.3166% | 839 |
| Credit loss provision to net charge-offs | -224.5614% | 5,200 |
| Earnings coverage of net charge-offs (x) | -1.4649% | 4,070 |
| Efficiency ratio | 104.5307% | 205 |
| Assets per employee ($millions) | 3.3003% | 5,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8222% | 5,459 |
| Loan loss allowance to noncurrent loans | 130.8682% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 4,171 |
| Noncurrent loans to loans | 0.6283% | 3,431 |
| Net loans and leases to total assets | 63.3005% | 3,408 |
| Net loans and leases to deposits | 70.2221% | 3,956 |
| Net loans and leases to core deposits | 75.4161% | 3,865 |
| Total domestic deposits to total assets | 90.1434% | 515 |
| Equity capital to assets | 8.9695% | 5,332 |
| Core capital (leverage) ratio | 9.0303% | 4,962 |
| Tier 1 risk-based capital ratio | 10.4928% | 5,881 |
| Total risk-based capital ratio | 11.1300% | 6,038 |
| Memoranda: |
| Average total assets | $145,699,750 | 3,668 |
| Average earning assets | $131,808,500 | 3,699 |
| Average equity | $13,450,250 | 4,098 |
| Average total loans | $96,014,000 | 3,489 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0483% | 3,082 |
| Cost of funding earning assets | 0.4030% | 3,248 |
| Net interest margin | 3.6453% | 2,928 |
| Noninterest income to average assets | 3.5227% | 181 |
| Noninterest expense to average assets | 7.1983% | 139 |
| Loan and lease loss provision to assets | -0.6888% | 6,297 |
| Net operating income to assets | 0.2375% | 5,612 |
| Return on assets (ROA) | 0.3142% | 5,488 |
| Pretax return on assets | 0.4139% | 5,441 |
| Return on Equity (ROE) | 3.3694% | 5,281 |
| Retained earnings to average equity (ytd only) | 3.3694% | 3,891 |
| Net charge-offs to loans | 0.3536% | 746 |
| Credit loss provision to net charge-offs | -292.2619% | 5,104 |
| Earnings coverage of net charge-offs (x) | -1.5952% | 3,782 |
| Efficiency ratio | 105.5110% | 228 |
| Assets per employee ($millions) | 2.8273% | 5,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8871% | 5,349 |
| Loan loss allowance to noncurrent loans | 142.0635% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.4126% | 4,258 |
| Noncurrent loans to loans | 0.6245% | 3,599 |
| Net loans and leases to total assets | 65.4940% | 3,043 |
| Net loans and leases to deposits | 81.3411% | 2,633 |
| Net loans and leases to core deposits | 87.4330% | 2,615 |
| Total domestic deposits to total assets | 80.5177% | 4,742 |
| Equity capital to assets | 9.1837% | 5,039 |
| Core capital (leverage) ratio | 9.4551% | 4,331 |
| Tier 1 risk-based capital ratio | 11.0602% | 5,684 |
| Total risk-based capital ratio | 11.7945% | 5,851 |
| Memoranda: |
| Average total assets | $142,561,670 | 3,742 |
| Average earning assets | $129,041,670 | 3,770 |
| Average equity | $13,296,000 | 4,147 |
| Average total loans | $95,018,000 | 3,536 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3205% | 2,028 |
| Cost of funding earning assets | 0.4207% | 3,066 |
| Net interest margin | 3.8998% | 1,895 |
| Noninterest income to average assets | 3.6449% | 179 |
| Noninterest expense to average assets | 7.3887% | 137 |
| Loan and lease loss provision to assets | -1.3672% | 6,393 |
| Net operating income to assets | 0.7490% | 3,541 |
| Return on assets (ROA) | 0.8872% | 2,935 |
| Pretax return on assets | 1.3381% | 2,124 |
| Return on Equity (ROE) | 9.4329% | 2,246 |
| Retained earnings to average equity (ytd only) | 9.4329% | 1,058 |
| Net charge-offs to loans | 1.0165% | 234 |
| Credit loss provision to net charge-offs | -200.8547% | 4,615 |
| Earnings coverage of net charge-offs (x) | -0.3504% | 3,138 |
| Efficiency ratio | 103.3360% | 281 |
| Assets per employee ($millions) | 2.3876% | 6,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9417% | 5,285 |
| Loan loss allowance to noncurrent loans | 2,125.0000% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 5,445 |
| Noncurrent loans to loans | 0.0443% | 5,602 |
| Net loans and leases to total assets | 63.4743% | 3,169 |
| Net loans and leases to deposits | 72.0432% | 3,530 |
| Net loans and leases to core deposits | 75.5137% | 3,639 |
| Total domestic deposits to total assets | 88.1059% | 1,755 |
| Equity capital to assets | 10.0271% | 4,117 |
| Core capital (leverage) ratio | 9.9109% | 3,729 |
| Tier 1 risk-based capital ratio | 11.1221% | 5,752 |
| Total risk-based capital ratio | 11.8374% | 5,913 |
| Memoranda: |
| Average total assets | $137,506,500 | 3,849 |
| Average earning assets | $123,596,500 | 3,914 |
| Average equity | $12,933,500 | 4,249 |
| Average total loans | $92,084,000 | 3,610 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2917% | 2,635 |
| Cost of funding earning assets | 0.5356% | 2,332 |
| Net interest margin | 3.7561% | 2,792 |
| Noninterest income to average assets | 2.9058% | 202 |
| Noninterest expense to average assets | 7.5567% | 121 |
| Loan and lease loss provision to assets | 0.2400% | 986 |
| Net operating income to assets | -0.9138% | 6,364 |
| Return on assets (ROA) | -0.8400% | 6,349 |
| Pretax return on assets | -1.4698% | 6,418 |
| Return on Equity (ROE) | -9.7557% | 6,361 |
| Retained earnings to average equity (ytd only) | -9.7557% | 6,310 |
| Net charge-offs to loans | 0.1015% | 3,056 |
| Credit loss provision to net charge-offs | 355.8140% | 738 |
| Earnings coverage of net charge-offs (x) | -19.9419% | 4,935 |
| Efficiency ratio | 121.6540% | 122 |
| Assets per employee ($millions) | 2.3128% | 6,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6549% | 1,913 |
| Loan loss allowance to noncurrent loans | 144.4238% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.8021% | 3,200 |
| Noncurrent loans to loans | 1.1459% | 2,555 |
| Net loans and leases to total assets | 68.8427% | 2,425 |
| Net loans and leases to deposits | 82.5584% | 2,398 |
| Net loans and leases to core deposits | 88.6369% | 2,427 |
| Total domestic deposits to total assets | 83.3866% | 3,947 |
| Equity capital to assets | 8.7532% | 5,532 |
| Core capital (leverage) ratio | 8.4352% | 5,628 |
| Tier 1 risk-based capital ratio | 10.5501% | 6,078 |
| Total risk-based capital ratio | 11.8025% | 6,021 |
| Memoranda: |
| Average total assets | $127,502,200 | 4,029 |
| Average earning assets | $112,217,600 | 4,126 |
| Average equity | $10,978,200 | 4,565 |
| Average total loans | $84,759,000 | 3,748 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3207% | 2,539 |
| Cost of funding earning assets | 0.5541% | 2,248 |
| Net interest margin | 3.7666% | 2,751 |
| Noninterest income to average assets | 2.9518% | 194 |
| Noninterest expense to average assets | 7.8276% | 111 |
| Loan and lease loss provision to assets | -0.4302% | 6,513 |
| Net operating income to assets | -0.6339% | 6,401 |
| Return on assets (ROA) | -0.6156% | 6,398 |
| Pretax return on assets | -1.1114% | 6,461 |
| Return on Equity (ROE) | -7.1812% | 6,409 |
| Retained earnings to average equity (ytd only) | -7.1812% | 6,328 |
| Net charge-offs to loans | -0.1099% | 6,169 |
| Credit loss provision to net charge-offs | 597.0588% | 500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.0931% | 107 |
| Assets per employee ($millions) | 2.3352% | 6,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0779% | 4,852 |
| Loan loss allowance to noncurrent loans | 170.8405% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.4232% | 4,648 |
| Noncurrent loans to loans | 0.6310% | 4,036 |
| Net loans and leases to total assets | 66.3434% | 2,798 |
| Net loans and leases to deposits | 76.8773% | 3,083 |
| Net loans and leases to core deposits | 84.6843% | 2,814 |
| Total domestic deposits to total assets | 86.2979% | 2,701 |
| Equity capital to assets | 7.7177% | 6,238 |
| Core capital (leverage) ratio | 7.6190% | 6,239 |
| Tier 1 risk-based capital ratio | 9.7203% | 6,403 |
| Total risk-based capital ratio | 10.6780% | 6,421 |
| Memoranda: |
| Average total assets | $125,841,500 | 4,095 |
| Average earning assets | $110,441,250 | 4,208 |
| Average equity | $10,787,250 | 4,633 |
| Average total loans | $82,473,000 | 3,833 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3607% | 2,328 |
| Cost of funding earning assets | 0.5819% | 2,059 |
| Net interest margin | 3.7788% | 2,642 |
| Noninterest income to average assets | 2.8310% | 200 |
| Noninterest expense to average assets | 8.1222% | 108 |
| Loan and lease loss provision to assets | -0.4727% | 6,583 |
| Net operating income to assets | -0.8736% | 6,512 |
| Return on assets (ROA) | -0.8452% | 6,510 |
| Pretax return on assets | -1.4918% | 6,557 |
| Return on Equity (ROE) | -9.5030% | 6,508 |
| Retained earnings to average equity (ytd only) | -9.5030% | 6,407 |
| Net charge-offs to loans | -0.1339% | 6,231 |
| Credit loss provision to net charge-offs | 543.3962% | 553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.8591% | 88 |
| Assets per employee ($millions) | 2.0880% | 6,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2571% | 4,109 |
| Loan loss allowance to noncurrent loans | 193.8272% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.4178% | 4,754 |
| Noncurrent loans to loans | 0.6486% | 4,085 |
| Net loans and leases to total assets | 63.6025% | 3,140 |
| Net loans and leases to deposits | 72.9841% | 3,451 |
| Net loans and leases to core deposits | 78.2718% | 3,408 |
| Total domestic deposits to total assets | 87.1457% | 2,376 |
| Equity capital to assets | 7.8551% | 6,234 |
| Core capital (leverage) ratio | 8.0939% | 6,023 |
| Tier 1 risk-based capital ratio | 10.2105% | 6,334 |
| Total risk-based capital ratio | 11.3206% | 6,334 |
| Memoranda: |
| Average total assets | $121,864,000 | 4,198 |
| Average earning assets | $105,854,330 | 4,329 |
| Average equity | $10,838,670 | 4,647 |
| Average total loans | $79,164,000 | 3,933 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3067% | 2,496 |
| Cost of funding earning assets | 0.5855% | 2,110 |
| Net interest margin | 3.7212% | 2,781 |
| Noninterest income to average assets | 1.9002% | 363 |
| Noninterest expense to average assets | 8.4082% | 101 |
| Loan and lease loss provision to assets | -0.6299% | 6,679 |
| Net operating income to assets | -1.5616% | 6,637 |
| Return on assets (ROA) | -1.5104% | 6,627 |
| Pretax return on assets | -2.5684% | 6,669 |
| Return on Equity (ROE) | -15.8865% | 6,609 |
| Retained earnings to average equity (ytd only) | -15.8865% | 6,481 |
| Net charge-offs to loans | 0.5278% | 701 |
| Credit loss provision to net charge-offs | -182.8283% | 4,950 |
| Earnings coverage of net charge-offs (x) | -9.5152% | 3,601 |
| Efficiency ratio | 163.9077% | 44 |
| Assets per employee ($millions) | 1.6593% | 6,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3882% | 3,665 |
| Loan loss allowance to noncurrent loans | 180.4795% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.7843% | 3,781 |
| Noncurrent loans to loans | 0.7692% | 3,939 |
| Net loans and leases to total assets | 64.4589% | 2,817 |
| Net loans and leases to deposits | 71.5798% | 3,397 |
| Net loans and leases to core deposits | 76.8949% | 3,318 |
| Total domestic deposits to total assets | 90.0519% | 1,048 |
| Equity capital to assets | 9.2757% | 4,783 |
| Core capital (leverage) ratio | 8.9804% | 5,041 |
| Tier 1 risk-based capital ratio | 11.3239% | 6,010 |
| Total risk-based capital ratio | 12.5224% | 5,982 |
| Memoranda: |
| Average total assets | $114,935,500 | 4,392 |
| Average earning assets | $99,752,000 | 4,517 |
| Average equity | $10,927,500 | 4,637 |
| Average total loans | $75,035,500 | 4,098 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2902% | 3,001 |
| Cost of funding earning assets | 0.7464% | 1,518 |
| Net interest margin | 3.5438% | 3,714 |
| Noninterest income to average assets | 3.7557% | 176 |
| Noninterest expense to average assets | 8.0400% | 120 |
| Loan and lease loss provision to assets | -0.1948% | 6,595 |
| Net operating income to assets | -0.5495% | 6,508 |
| Return on assets (ROA) | -0.5243% | 6,509 |
| Pretax return on assets | -0.9945% | 6,591 |
| Return on Equity (ROE) | -5.2245% | 6,493 |
| Retained earnings to average equity (ytd only) | -5.2245% | 6,384 |
| Net charge-offs to loans | -0.4493% | 6,716 |
| Credit loss provision to net charge-offs | 63.5854% | 3,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.0398% | 193 |
| Assets per employee ($millions) | 1.7230% | 6,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7992% | 2,069 |
| Loan loss allowance to noncurrent loans | 193.8953% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 1.4703% | 2,532 |
| Noncurrent loans to loans | 0.9279% | 3,673 |
| Net loans and leases to total assets | 64.0286% | 3,044 |
| Net loans and leases to deposits | 71.7741% | 3,551 |
| Net loans and leases to core deposits | 77.0669% | 3,479 |
| Total domestic deposits to total assets | 89.2084% | 1,486 |
| Equity capital to assets | 9.7443% | 4,113 |
| Core capital (leverage) ratio | 9.1649% | 4,763 |
| Tier 1 risk-based capital ratio | 11.5410% | 5,885 |
| Total risk-based capital ratio | 12.7939% | 5,823 |
| Memoranda: |
| Average total assets | $116,542,600 | 4,350 |
| Average earning assets | $100,485,000 | 4,500 |
| Average equity | $11,694,800 | 4,510 |
| Average total loans | $79,463,400 | 3,951 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2561% | 3,172 |
| Cost of funding earning assets | 0.7598% | 1,541 |
| Net interest margin | 3.4963% | 3,900 |
| Noninterest income to average assets | 3.6776% | 192 |
| Noninterest expense to average assets | 7.9737% | 118 |
| Loan and lease loss provision to assets | 0.1535% | 2,347 |
| Net operating income to assets | -0.8089% | 6,676 |
| Return on assets (ROA) | -0.7448% | 6,668 |
| Pretax return on assets | -1.3407% | 6,743 |
| Return on Equity (ROE) | -7.3708% | 6,652 |
| Retained earnings to average equity (ytd only) | -7.3708% | 6,579 |
| Net charge-offs to loans | 0.0693% | 3,937 |
| Credit loss provision to net charge-offs | 321.4286% | 796 |
| Earnings coverage of net charge-offs (x) | -26.9518% | 5,186 |
| Efficiency ratio | 119.2517% | 179 |
| Assets per employee ($millions) | 1.6507% | 6,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6366% | 2,859 |
| Loan loss allowance to noncurrent loans | 126.9080% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 1.7716% | 2,313 |
| Noncurrent loans to loans | 1.2896% | 3,252 |
| Net loans and leases to total assets | 67.4643% | 2,378 |
| Net loans and leases to deposits | 75.7885% | 2,990 |
| Net loans and leases to core deposits | 83.5142% | 2,707 |
| Total domestic deposits to total assets | 89.0166% | 1,541 |
| Equity capital to assets | 9.6212% | 4,391 |
| Core capital (leverage) ratio | 9.1248% | 4,931 |
| Tier 1 risk-based capital ratio | 11.6237% | 5,999 |
| Total risk-based capital ratio | 12.8767% | 5,959 |
| Memoranda: |
| Average total assets | $117,248,750 | 4,372 |
| Average earning assets | $100,903,750 | 4,529 |
| Average equity | $11,848,250 | 4,527 |
| Average total loans | $80,792,750 | 3,949 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2051% | 3,351 |
| Cost of funding earning assets | 0.7710% | 1,578 |
| Net interest margin | 3.4341% | 4,062 |
| Noninterest income to average assets | 3.8450% | 190 |
| Noninterest expense to average assets | 7.7222% | 125 |
| Loan and lease loss provision to assets | 0.1833% | 2,067 |
| Net operating income to assets | -0.5943% | 6,663 |
| Return on assets (ROA) | -0.4889% | 6,643 |
| Pretax return on assets | -0.9320% | 6,726 |
| Return on Equity (ROE) | -4.7635% | 6,634 |
| Retained earnings to average equity (ytd only) | -4.7635% | 6,446 |
| Net charge-offs to loans | 0.2214% | 2,415 |
| Credit loss provision to net charge-offs | 120.0000% | 1,854 |
| Earnings coverage of net charge-offs (x) | -5.9778% | 4,838 |
| Efficiency ratio | 113.4131% | 235 |
| Assets per employee ($millions) | 1.8738% | 6,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5099% | 3,547 |
| Loan loss allowance to noncurrent loans | 64.4515% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 2.6277% | 1,593 |
| Noncurrent loans to loans | 2.3427% | 2,011 |
| Net loans and leases to total assets | 67.5234% | 2,334 |
| Net loans and leases to deposits | 77.4703% | 2,645 |
| Net loans and leases to core deposits | 85.1248% | 2,421 |
| Total domestic deposits to total assets | 87.1603% | 2,729 |
| Equity capital to assets | 9.8299% | 4,146 |
| Core capital (leverage) ratio | 9.5501% | 4,160 |
| Tier 1 risk-based capital ratio | 11.6034% | 6,055 |
| Total risk-based capital ratio | 12.8544% | 6,008 |
| Memoranda: |
| Average total assets | $117,816,000 | 4,396 |
| Average earning assets | $101,686,330 | 4,524 |
| Average equity | $12,092,000 | 4,512 |
| Average total loans | $81,307,000 | 3,944 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3591% | 2,661 |
| Cost of funding earning assets | 0.7793% | 1,646 |
| Net interest margin | 3.5799% | 3,342 |
| Noninterest income to average assets | 4.3636% | 174 |
| Noninterest expense to average assets | 7.5956% | 132 |
| Loan and lease loss provision to assets | 0.3500% | 930 |
| Net operating income to assets | -0.2073% | 6,522 |
| Return on assets (ROA) | -0.1529% | 6,530 |
| Pretax return on assets | -0.4214% | 6,646 |
| Return on Equity (ROE) | -1.4591% | 6,532 |
| Retained earnings to average equity (ytd only) | -1.4591% | 6,014 |
| Net charge-offs to loans | -0.1571% | 6,617 |
| Credit loss provision to net charge-offs | -321.8750% | 5,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1014% | 479 |
| Assets per employee ($millions) | 1.9602% | 6,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6671% | 3,146 |
| Loan loss allowance to noncurrent loans | 66.9165% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 2.8898% | 1,560 |
| Noncurrent loans to loans | 2.4913% | 2,073 |
| Net loans and leases to total assets | 68.2937% | 1,957 |
| Net loans and leases to deposits | 78.4967% | 2,272 |
| Net loans and leases to core deposits | 87.1707% | 1,994 |
| Total domestic deposits to total assets | 87.0020% | 2,960 |
| Equity capital to assets | 10.6201% | 3,408 |
| Core capital (leverage) ratio | 9.8564% | 3,590 |
| Tier 1 risk-based capital ratio | 11.9291% | 5,958 |
| Total risk-based capital ratio | 13.1817% | 5,925 |
| Memoranda: |
| Average total assets | $117,700,000 | 4,448 |
| Average earning assets | $101,121,000 | 4,588 |
| Average equity | $12,336,000 | 4,509 |
| Average total loans | $81,494,500 | 3,971 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5829% | 3,064 |
| Cost of funding earning assets | 0.9934% | 1,392 |
| Net interest margin | 3.5895% | 4,130 |
| Noninterest income to average assets | 3.0472% | 248 |
| Noninterest expense to average assets | 6.2740% | 200 |
| Loan and lease loss provision to assets | 0.6815% | 775 |
| Net operating income to assets | -0.3983% | 6,513 |
| Return on assets (ROA) | -0.2785% | 6,480 |
| Pretax return on assets | -0.6197% | 6,624 |
| Return on Equity (ROE) | -2.3684% | 6,475 |
| Retained earnings to average equity (ytd only) | -2.3684% | 6,211 |
| Net charge-offs to loans | 0.7402% | 1,587 |
| Credit loss provision to net charge-offs | 136.5714% | 2,026 |
| Earnings coverage of net charge-offs (x) | -0.2514% | 5,592 |
| Efficiency ratio | 101.9014% | 494 |
| Assets per employee ($millions) | 2.0647% | 6,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4564% | 3,915 |
| Loan loss allowance to noncurrent loans | 38.1133% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 2.9010% | 1,640 |
| Noncurrent loans to loans | 3.8213% | 1,268 |
| Net loans and leases to total assets | 68.0287% | 2,178 |
| Net loans and leases to deposits | 87.2973% | 1,352 |
| Net loans and leases to core deposits | 97.4823% | 1,182 |
| Total domestic deposits to total assets | 77.9275% | 6,094 |
| Equity capital to assets | 10.3465% | 3,700 |
| Core capital (leverage) ratio | 10.4840% | 2,785 |
| Tier 1 risk-based capital ratio | 12.0075% | 5,783 |
| Total risk-based capital ratio | 13.2583% | 5,738 |
| Memoranda: |
| Average total assets | $105,212,200 | 4,703 |
| Average earning assets | $90,903,000 | 4,843 |
| Average equity | $12,371,000 | 4,481 |
| Average total loans | $70,931,000 | 4,330 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7273% | 2,680 |
| Cost of funding earning assets | 1.0290% | 1,398 |
| Net interest margin | 3.6983% | 3,799 |
| Noninterest income to average assets | 2.5294% | 310 |
| Noninterest expense to average assets | 6.0550% | 205 |
| Loan and lease loss provision to assets | 0.6012% | 919 |
| Net operating income to assets | -0.4688% | 6,683 |
| Return on assets (ROA) | -0.2940% | 6,627 |
| Pretax return on assets | -0.6458% | 6,762 |
| Return on Equity (ROE) | -2.4151% | 6,596 |
| Retained earnings to average equity (ytd only) | -2.4151% | 6,438 |
| Net charge-offs to loans | -0.0157% | 6,446 |
| Credit loss provision to net charge-offs | -5,725.0000% | 6,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.3306% | 398 |
| Assets per employee ($millions) | 1.9635% | 7,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0313% | 2,077 |
| Loan loss allowance to noncurrent loans | 50.7555% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 3.1009% | 1,676 |
| Noncurrent loans to loans | 4.0021% | 1,276 |
| Net loans and leases to total assets | 68.4979% | 2,216 |
| Net loans and leases to deposits | 80.5094% | 2,312 |
| Net loans and leases to core deposits | 89.8948% | 1,995 |
| Total domestic deposits to total assets | 85.0806% | 3,710 |
| Equity capital to assets | 11.9837% | 2,272 |
| Core capital (leverage) ratio | 11.1272% | 2,275 |
| Tier 1 risk-based capital ratio | 13.4496% | 4,912 |
| Total risk-based capital ratio | 14.7067% | 4,869 |
| Memoranda: |
| Average total assets | $101,577,500 | 4,837 |
| Average earning assets | $88,110,500 | 4,969 |
| Average equity | $12,366,250 | 4,528 |
| Average total loans | $67,996,500 | 4,467 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7945% | 2,535 |
| Cost of funding earning assets | 1.0298% | 1,584 |
| Net interest margin | 3.7646% | 3,515 |
| Noninterest income to average assets | 1.8343% | 457 |
| Noninterest expense to average assets | 5.6954% | 246 |
| Loan and lease loss provision to assets | 0.6849% | 818 |
| Net operating income to assets | -0.7019% | 6,819 |
| Return on assets (ROA) | -0.4427% | 6,752 |
| Pretax return on assets | -0.8755% | 6,874 |
| Return on Equity (ROE) | -3.6168% | 6,709 |
| Retained earnings to average equity (ytd only) | -3.6168% | 6,521 |
| Net charge-offs to loans | -0.0361% | 6,579 |
| Credit loss provision to net charge-offs | -2,875.0000% | 6,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.3274% | 314 |
| Assets per employee ($millions) | 1.9410% | 7,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9397% | 2,415 |
| Loan loss allowance to noncurrent loans | 50.8922% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 2.9210% | 1,892 |
| Noncurrent loans to loans | 3.8113% | 1,471 |
| Net loans and leases to total assets | 67.2758% | 2,409 |
| Net loans and leases to deposits | 82.4144% | 2,061 |
| Net loans and leases to core deposits | 92.6072% | 1,717 |
| Total domestic deposits to total assets | 81.6311% | 5,254 |
| Equity capital to assets | 11.8348% | 2,280 |
| Core capital (leverage) ratio | 11.1664% | 2,152 |
| Tier 1 risk-based capital ratio | 13.1015% | 5,116 |
| Total risk-based capital ratio | 14.3564% | 5,091 |
| Memoranda: |
| Average total assets | $100,748,000 | 4,884 |
| Average earning assets | $87,392,670 | 5,012 |
| Average equity | $12,331,330 | 4,539 |
| Average total loans | $66,408,330 | 4,549 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9578% | 2,046 |
| Cost of funding earning assets | 1.0360% | 1,768 |
| Net interest margin | 3.9219% | 2,835 |
| Noninterest income to average assets | 1.6131% | 560 |
| Noninterest expense to average assets | 5.6017% | 249 |
| Loan and lease loss provision to assets | 0.4253% | 1,474 |
| Net operating income to assets | -0.5346% | 6,843 |
| Return on assets (ROA) | -0.4936% | 6,852 |
| Pretax return on assets | -0.9470% | 6,966 |
| Return on Equity (ROE) | -3.9647% | 6,806 |
| Retained earnings to average equity (ytd only) | -3.9647% | 6,490 |
| Net charge-offs to loans | -0.0871% | 6,738 |
| Credit loss provision to net charge-offs | -757.1429% | 5,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.9600% | 321 |
| Assets per employee ($millions) | 2.5192% | 6,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7577% | 3,135 |
| Loan loss allowance to noncurrent loans | 41.7866% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 3.1075% | 1,872 |
| Noncurrent loans to loans | 4.2064% | 1,438 |
| Net loans and leases to total assets | 64.3989% | 2,788 |
| Net loans and leases to deposits | 77.8315% | 2,545 |
| Net loans and leases to core deposits | 87.9373% | 2,061 |
| Total domestic deposits to total assets | 82.7415% | 5,032 |
| Equity capital to assets | 12.5989% | 1,660 |
| Core capital (leverage) ratio | 11.3343% | 2,010 |
| Tier 1 risk-based capital ratio | 14.4604% | 4,141 |
| Total risk-based capital ratio | 15.7132% | 4,100 |
| Memoranda: |
| Average total assets | $99,684,500 | 4,944 |
| Average earning assets | $86,489,500 | 5,067 |
| Average equity | $12,409,500 | 4,525 |
| Average total loans | $64,323,000 | 4,653 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8657% | 3,521 |
| Cost of funding earning assets | 1.4067% | 1,008 |
| Net interest margin | 3.4590% | 5,291 |
| Noninterest income to average assets | 1.3284% | 732 |
| Noninterest expense to average assets | 4.8619% | 427 |
| Loan and lease loss provision to assets | 1.2160% | 718 |
| Net operating income to assets | -0.9922% | 6,740 |
| Return on assets (ROA) | -0.8272% | 6,698 |
| Pretax return on assets | -1.5295% | 6,905 |
| Return on Equity (ROE) | -6.3980% | 6,604 |
| Retained earnings to average equity (ytd only) | -6.3980% | 6,535 |
| Net charge-offs to loans | 2.7026% | 401 |
| Credit loss provision to net charge-offs | 81.9889% | 4,365 |
| Earnings coverage of net charge-offs (x) | -0.3853% | 6,044 |
| Efficiency ratio | 112.0673% | 399 |
| Assets per employee ($millions) | 2.6611% | 6,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5752% | 3,679 |
| Loan loss allowance to noncurrent loans | 35.5337% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 3.1566% | 1,894 |
| Noncurrent loans to loans | 4.4331% | 1,351 |
| Net loans and leases to total assets | 62.5304% | 3,500 |
| Net loans and leases to deposits | 77.8489% | 2,866 |
| Net loans and leases to core deposits | 88.0828% | 2,365 |
| Total domestic deposits to total assets | 80.3228% | 5,656 |
| Equity capital to assets | 12.3030% | 1,907 |
| Core capital (leverage) ratio | 11.7181% | 1,755 |
| Tier 1 risk-based capital ratio | 14.7752% | 3,778 |
| Total risk-based capital ratio | 16.0262% | 3,752 |
| Memoranda: |
| Average total assets | $96,958,800 | 4,979 |
| Average earning assets | $83,030,800 | 5,142 |
| Average equity | $12,535,200 | 4,436 |
| Average total loans | $53,208,800 | 5,144 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0235% | 2,980 |
| Cost of funding earning assets | 1.4718% | 949 |
| Net interest margin | 3.5517% | 4,975 |
| Noninterest income to average assets | 1.2385% | 849 |
| Noninterest expense to average assets | 4.7762% | 451 |
| Loan and lease loss provision to assets | 1.4304% | 497 |
| Net operating income to assets | -1.0888% | 6,918 |
| Return on assets (ROA) | -0.8994% | 6,877 |
| Pretax return on assets | -1.6430% | 7,049 |
| Return on Equity (ROE) | -6.8689% | 6,760 |
| Retained earnings to average equity (ytd only) | -6.8689% | 6,695 |
| Net charge-offs to loans | 3.1502% | 288 |
| Credit loss provision to net charge-offs | 86.3255% | 3,907 |
| Earnings coverage of net charge-offs (x) | -0.3070% | 5,769 |
| Efficiency ratio | 110.6515% | 419 |
| Assets per employee ($millions) | 2.7647% | 6,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0615% | 2,173 |
| Loan loss allowance to noncurrent loans | 26.6410% | 6,428 |
| Noncurrent assets plus other real estate owned to assets | 4.5244% | 1,327 |
| Noncurrent loans to loans | 7.7383% | 590 |
| Net loans and leases to total assets | 52.8876% | 5,339 |
| Net loans and leases to deposits | 61.6139% | 5,452 |
| Net loans and leases to core deposits | 73.5034% | 4,526 |
| Total domestic deposits to total assets | 85.8372% | 3,309 |
| Equity capital to assets | 12.7020% | 1,787 |
| Core capital (leverage) ratio | 12.0709% | 1,669 |
| Tier 1 risk-based capital ratio | 17.0283% | 2,638 |
| Total risk-based capital ratio | 18.2837% | 2,593 |
| Memoranda: |
| Average total assets | $95,918,000 | 5,044 |
| Average earning assets | $81,800,000 | 5,222 |
| Average equity | $12,558,750 | 4,439 |
| Average total loans | $50,450,000 | 5,285 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0346% | 2,996 |
| Cost of funding earning assets | 1.5308% | 892 |
| Net interest margin | 3.5038% | 5,148 |
| Noninterest income to average assets | 1.2057% | 878 |
| Noninterest expense to average assets | 4.8884% | 402 |
| Loan and lease loss provision to assets | 1.5689% | 447 |
| Net operating income to assets | -1.3021% | 7,035 |
| Return on assets (ROA) | -1.0305% | 6,960 |
| Pretax return on assets | -1.8498% | 7,138 |
| Return on Equity (ROE) | -7.7887% | 6,857 |
| Retained earnings to average equity (ytd only) | -7.7887% | 6,763 |
| Net charge-offs to loans | 3.7405% | 231 |
| Credit loss provision to net charge-offs | 80.4984% | 3,760 |
| Earnings coverage of net charge-offs (x) | -0.3619% | 5,482 |
| Efficiency ratio | 115.5477% | 393 |
| Assets per employee ($millions) | 2.9728% | 6,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0699% | 2,185 |
| Loan loss allowance to noncurrent loans | 27.9457% | 6,384 |
| Noncurrent assets plus other real estate owned to assets | 4.1039% | 1,557 |
| Noncurrent loans to loans | 7.4068% | 655 |
| Net loans and leases to total assets | 54.2594% | 5,257 |
| Net loans and leases to deposits | 63.8880% | 5,292 |
| Net loans and leases to core deposits | 76.9656% | 4,196 |
| Total domestic deposits to total assets | 84.9290% | 3,908 |
| Equity capital to assets | 13.1651% | 1,439 |
| Core capital (leverage) ratio | 12.1745% | 1,515 |
| Tier 1 risk-based capital ratio | 17.0330% | 2,503 |
| Total risk-based capital ratio | 18.2879% | 2,480 |
| Memoranda: |
| Average total assets | $94,714,670 | 5,120 |
| Average earning assets | $80,483,000 | 5,307 |
| Average equity | $12,531,000 | 4,427 |
| Average total loans | $49,351,330 | 5,383 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9797% | 3,196 |
| Cost of funding earning assets | 1.5963% | 831 |
| Net interest margin | 3.3834% | 5,492 |
| Noninterest income to average assets | 1.2190% | 859 |
| Noninterest expense to average assets | 5.6588% | 234 |
| Loan and lease loss provision to assets | 2.6199% | 193 |
| Net operating income to assets | -2.4427% | 7,331 |
| Return on assets (ROA) | -2.5564% | 7,350 |
| Pretax return on assets | -4.3849% | 7,454 |
| Return on Equity (ROE) | -19.2748% | 7,209 |
| Retained earnings to average equity (ytd only) | -19.2748% | 7,141 |
| Net charge-offs to loans | 6.6033% | 93 |
| Credit loss provision to net charge-offs | 78.6531% | 3,187 |
| Earnings coverage of net charge-offs (x) | -0.4765% | 4,784 |
| Efficiency ratio | 137.6299% | 219 |
| Assets per employee ($millions) | 3.1200% | 5,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3458% | 1,691 |
| Loan loss allowance to noncurrent loans | 24.3703% | 6,585 |
| Noncurrent assets plus other real estate owned to assets | 7.9220% | 606 |
| Noncurrent loans to loans | 9.6255% | 434 |
| Net loans and leases to total assets | 49.0577% | 5,951 |
| Net loans and leases to deposits | 57.1631% | 6,007 |
| Net loans and leases to core deposits | 66.9300% | 5,408 |
| Total domestic deposits to total assets | 85.8205% | 3,627 |
| Equity capital to assets | 13.1111% | 1,336 |
| Core capital (leverage) ratio | 11.9093% | 1,612 |
| Tier 1 risk-based capital ratio | 17.1149% | 2,430 |
| Total risk-based capital ratio | 18.3705% | 2,404 |
| Memoranda: |
| Average total assets | $94,507,000 | 5,153 |
| Average earning assets | $79,683,000 | 5,370 |
| Average equity | $12,534,500 | 4,434 |
| Average total loans | $47,673,000 | 5,490 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3720% | 2,800 |
| Cost of funding earning assets | 1.6820% | 1,677 |
| Net interest margin | 3.6901% | 4,389 |
| Noninterest income to average assets | 2.3197% | 311 |
| Noninterest expense to average assets | 4.5468% | 622 |
| Loan and lease loss provision to assets | 0.7808% | 2,093 |
| Net operating income to assets | 0.1290% | 5,510 |
| Return on assets (ROA) | 0.2808% | 5,164 |
| Pretax return on assets | 0.3919% | 4,972 |
| Return on Equity (ROE) | 2.1987% | 5,310 |
| Retained earnings to average equity (ytd only) | 2.1987% | 4,351 |
| Net charge-offs to loans | 0.7628% | 2,733 |
| Credit loss provision to net charge-offs | 183.3333% | 1,794 |
| Earnings coverage of net charge-offs (x) | 2.2585% | 4,032 |
| Efficiency ratio | 81.5686% | 2,217 |
| Assets per employee ($millions) | 3.1805% | 5,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6301% | 1,256 |
| Loan loss allowance to noncurrent loans | 21.3076% | 6,758 |
| Noncurrent assets plus other real estate owned to assets | 6.2590% | 921 |
| Noncurrent loans to loans | 12.3435% | 267 |
| Net loans and leases to total assets | 49.3156% | 6,241 |
| Net loans and leases to deposits | 58.0734% | 6,246 |
| Net loans and leases to core deposits | 67.8823% | 5,670 |
| Total domestic deposits to total assets | 84.9194% | 3,901 |
| Equity capital to assets | 13.4121% | 1,214 |
| Core capital (leverage) ratio | 12.0742% | 1,496 |
| Tier 1 risk-based capital ratio | 18.3682% | 1,889 |
| Total risk-based capital ratio | 19.6277% | 1,843 |
| Memoranda: |
| Average total assets | $97,211,400 | 5,072 |
| Average earning assets | $84,009,600 | 5,211 |
| Average equity | $12,416,200 | 4,501 |
| Average total loans | $54,275,200 | 5,304 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5600% | 2,213 |
| Cost of funding earning assets | 1.7252% | 1,743 |
| Net interest margin | 3.8347% | 3,819 |
| Noninterest income to average assets | 2.4451% | 287 |
| Noninterest expense to average assets | 4.4247% | 648 |
| Loan and lease loss provision to assets | 0.5720% | 2,648 |
| Net operating income to assets | 0.5117% | 4,260 |
| Return on assets (ROA) | 0.6580% | 3,773 |
| Pretax return on assets | 0.9775% | 3,263 |
| Return on Equity (ROE) | 5.2159% | 4,192 |
| Retained earnings to average equity (ytd only) | 5.2159% | 2,834 |
| Net charge-offs to loans | 0.0789% | 5,736 |
| Credit loss provision to net charge-offs | 1,269.6970% | 238 |
| Earnings coverage of net charge-offs (x) | 29.5448% | 884 |
| Efficiency ratio | 75.9488% | 2,958 |
| Assets per employee ($millions) | 3.4773% | 5,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4885% | 1,348 |
| Loan loss allowance to noncurrent loans | 35.5171% | 5,962 |
| Noncurrent assets plus other real estate owned to assets | 3.6631% | 1,946 |
| Noncurrent loans to loans | 7.0066% | 804 |
| Net loans and leases to total assets | 50.9802% | 6,223 |
| Net loans and leases to deposits | 64.4058% | 5,862 |
| Net loans and leases to core deposits | 74.9198% | 5,180 |
| Total domestic deposits to total assets | 79.1547% | 5,984 |
| Equity capital to assets | 13.2830% | 1,457 |
| Core capital (leverage) ratio | 12.4314% | 1,448 |
| Tier 1 risk-based capital ratio | 18.3797% | 1,909 |
| Total risk-based capital ratio | 19.6391% | 1,867 |
| Memoranda: |
| Average total assets | $97,660,750 | 5,120 |
| Average earning assets | $84,314,500 | 5,257 |
| Average equity | $12,321,000 | 4,595 |
| Average total loans | $55,762,750 | 5,317 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7482% | 1,558 |
| Cost of funding earning assets | 1.8029% | 1,629 |
| Net interest margin | 3.9452% | 3,258 |
| Noninterest income to average assets | 1.0393% | 1,250 |
| Noninterest expense to average assets | 4.5797% | 531 |
| Loan and lease loss provision to assets | -0.9938% | 7,822 |
| Net operating income to assets | 0.5707% | 3,991 |
| Return on assets (ROA) | 0.5818% | 4,088 |
| Pretax return on assets | 0.8634% | 3,647 |
| Return on Equity (ROE) | 4.6978% | 4,441 |
| Retained earnings to average equity (ytd only) | 4.6978% | 3,086 |
| Net charge-offs to loans | 0.1092% | 5,069 |
| Credit loss provision to net charge-offs | -1,548.3871% | 6,953 |
| Earnings coverage of net charge-offs (x) | -2.2903% | 6,226 |
| Efficiency ratio | 102.1018% | 732 |
| Assets per employee ($millions) | 3.2444% | 5,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7748% | 7,088 |
| Loan loss allowance to noncurrent loans | 18.9238% | 6,997 |
| Noncurrent assets plus other real estate owned to assets | 2.2531% | 3,193 |
| Noncurrent loans to loans | 4.0945% | 1,838 |
| Net loans and leases to total assets | 54.6018% | 5,900 |
| Net loans and leases to deposits | 64.4612% | 5,979 |
| Net loans and leases to core deposits | 74.5821% | 5,379 |
| Total domestic deposits to total assets | 84.7049% | 3,766 |
| Equity capital to assets | 13.5896% | 1,309 |
| Core capital (leverage) ratio | 12.7347% | 1,313 |
| Tier 1 risk-based capital ratio | 18.2087% | 1,894 |
| Total risk-based capital ratio | 18.8350% | 2,044 |
| Memoranda: |
| Average total assets | $96,600,000 | 5,176 |
| Average earning assets | $83,087,330 | 5,334 |
| Average equity | $11,963,000 | 4,686 |
| Average total loans | $56,776,330 | 5,323 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4150% | 2,966 |
| Cost of funding earning assets | 1.8666% | 1,583 |
| Net interest margin | 3.5484% | 4,950 |
| Noninterest income to average assets | 0.9061% | 1,601 |
| Noninterest expense to average assets | 4.1150% | 890 |
| Loan and lease loss provision to assets | 0.6692% | 1,894 |
| Net operating income to assets | -0.5118% | 6,838 |
| Return on assets (ROA) | -0.4905% | 6,846 |
| Pretax return on assets | -0.8105% | 6,952 |
| Return on Equity (ROE) | -4.1656% | 6,834 |
| Retained earnings to average equity (ytd only) | -4.1656% | 6,518 |
| Net charge-offs to loans | 0.6372% | 2,228 |
| Credit loss provision to net charge-offs | 173.1183% | 2,097 |
| Earnings coverage of net charge-offs (x) | -0.4516% | 5,262 |
| Efficiency ratio | 103.0591% | 751 |
| Assets per employee ($millions) | 3.0788% | 6,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6964% | 3,073 |
| Loan loss allowance to noncurrent loans | 18.0301% | 7,103 |
| Noncurrent assets plus other real estate owned to assets | 5.7763% | 1,053 |
| Noncurrent loans to loans | 9.4085% | 481 |
| Net loans and leases to total assets | 60.3529% | 5,063 |
| Net loans and leases to deposits | 70.7520% | 5,234 |
| Net loans and leases to core deposits | 80.8619% | 4,648 |
| Total domestic deposits to total assets | 85.3021% | 3,508 |
| Equity capital to assets | 13.0750% | 1,493 |
| Core capital (leverage) ratio | 12.2213% | 1,537 |
| Tier 1 risk-based capital ratio | 16.4622% | 2,470 |
| Total risk-based capital ratio | 17.7146% | 2,419 |
| Memoranda: |
| Average total assets | $96,234,000 | 5,250 |
| Average earning assets | $82,290,500 | 5,428 |
| Average equity | $11,331,000 | 4,891 |
| Average total loans | $58,384,500 | 5,321 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3338% | 5,008 |
| Cost of funding earning assets | 2.4098% | 1,270 |
| Net interest margin | 2.9240% | 6,813 |
| Noninterest income to average assets | 0.9854% | 1,625 |
| Noninterest expense to average assets | 6.2838% | 279 |
| Loan and lease loss provision to assets | 3.5030% | 441 |
| Net operating income to assets | -3.9731% | 7,603 |
| Return on assets (ROA) | -3.8888% | 7,583 |
| Pretax return on assets | -6.1814% | 7,821 |
| Return on Equity (ROE) | -32.4455% | 7,444 |
| Retained earnings to average equity (ytd only) | -32.4455% | 7,427 |
| Net charge-offs to loans | 5.0798% | 248 |
| Credit loss provision to net charge-offs | 101.6982% | 5,429 |
| Earnings coverage of net charge-offs (x) | -0.8158% | 6,843 |
| Efficiency ratio | 179.2098% | 188 |
| Assets per employee ($millions) | 3.3457% | 5,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5918% | 3,319 |
| Loan loss allowance to noncurrent loans | 13.7818% | 7,292 |
| Noncurrent assets plus other real estate owned to assets | 8.1514% | 539 |
| Noncurrent loans to loans | 11.5500% | 305 |
| Net loans and leases to total assets | 59.0017% | 5,486 |
| Net loans and leases to deposits | 67.2458% | 5,915 |
| Net loans and leases to core deposits | 84.0952% | 5,703 |
| Total domestic deposits to total assets | 87.7404% | 2,098 |
| Equity capital to assets | 10.4951% | 3,185 |
| Core capital (leverage) ratio | 9.3839% | 3,851 |
| Tier 1 risk-based capital ratio | 13.1192% | 4,069 |
| Total risk-based capital ratio | 14.3697% | 4,014 |
| Memoranda: |
| Average total assets | $88,895,400 | 5,424 |
| Average earning assets | $75,649,400 | 5,614 |
| Average equity | $10,654,800 | 5,118 |
| Average total loans | $60,277,600 | 5,243 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3574% | 5,140 |
| Cost of funding earning assets | 2.4904% | 1,334 |
| Net interest margin | 2.8671% | 6,922 |
| Noninterest income to average assets | 0.9133% | 1,928 |
| Noninterest expense to average assets | 6.6970% | 227 |
| Loan and lease loss provision to assets | 4.0630% | 296 |
| Net operating income to assets | -4.6691% | 7,810 |
| Return on assets (ROA) | -4.5542% | 7,804 |
| Pretax return on assets | -7.2373% | 7,967 |
| Return on Equity (ROE) | -36.7214% | 7,721 |
| Retained earnings to average equity (ytd only) | -36.7214% | 7,712 |
| Net charge-offs to loans | 5.6815% | 168 |
| Credit loss provision to net charge-offs | 102.1613% | 4,984 |
| Earnings coverage of net charge-offs (x) | -0.8433% | 6,600 |
| Efficiency ratio | 198.5308% | 156 |
| Assets per employee ($millions) | 2.9331% | 6,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5923% | 3,023 |
| Loan loss allowance to noncurrent loans | 16.8265% | 7,249 |
| Noncurrent assets plus other real estate owned to assets | 6.7356% | 736 |
| Noncurrent loans to loans | 9.4631% | 440 |
| Net loans and leases to total assets | 57.6351% | 5,943 |
| Net loans and leases to deposits | 64.4849% | 6,455 |
| Net loans and leases to core deposits | 83.4703% | 6,078 |
| Total domestic deposits to total assets | 89.3777% | 1,024 |
| Equity capital to assets | 9.1773% | 5,204 |
| Core capital (leverage) ratio | 8.5576% | 5,380 |
| Tier 1 risk-based capital ratio | 11.3952% | 5,543 |
| Total risk-based capital ratio | 12.6465% | 5,486 |
| Memoranda: |
| Average total assets | $86,862,750 | 5,521 |
| Average earning assets | $73,615,500 | 5,733 |
| Average equity | $10,772,750 | 5,122 |
| Average total loans | $60,803,750 | 5,248 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6692% | 3,721 |
| Cost of funding earning assets | 2.5457% | 1,462 |
| Net interest margin | 3.1236% | 6,172 |
| Noninterest income to average assets | 1.2449% | 988 |
| Noninterest expense to average assets | 6.9294% | 225 |
| Loan and lease loss provision to assets | 3.3715% | 428 |
| Net operating income to assets | -4.0590% | 7,841 |
| Return on assets (ROA) | -3.8777% | 7,807 |
| Pretax return on assets | -6.1544% | 7,954 |
| Return on Equity (ROE) | -28.3037% | 7,686 |
| Retained earnings to average equity (ytd only) | -28.3037% | 7,660 |
| Net charge-offs to loans | 4.3634% | 303 |
| Credit loss provision to net charge-offs | 103.5714% | 4,432 |
| Earnings coverage of net charge-offs (x) | -0.9420% | 6,220 |
| Efficiency ratio | 177.7429% | 258 |
| Assets per employee ($millions) | 2.2803% | 7,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5015% | 3,187 |
| Loan loss allowance to noncurrent loans | 27.8971% | 6,639 |
| Noncurrent assets plus other real estate owned to assets | 5.2538% | 973 |
| Noncurrent loans to loans | 5.3822% | 1,093 |
| Net loans and leases to total assets | 66.3122% | 4,504 |
| Net loans and leases to deposits | 75.6135% | 5,227 |
| Net loans and leases to core deposits | 92.4931% | 5,296 |
| Total domestic deposits to total assets | 87.6989% | 1,931 |
| Equity capital to assets | 11.3561% | 2,631 |
| Core capital (leverage) ratio | 11.3939% | 2,137 |
| Tier 1 risk-based capital ratio | 12.6403% | 4,403 |
| Total risk-based capital ratio | 13.8829% | 4,336 |
| Memoranda: |
| Average total assets | $82,575,670 | 5,710 |
| Average earning assets | $69,215,670 | 5,914 |
| Average equity | $11,313,000 | 4,998 |
| Average total loans | $61,603,000 | 5,264 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9475% | 2,574 |
| Cost of funding earning assets | 2.6139% | 1,518 |
| Net interest margin | 3.3335% | 5,388 |
| Noninterest income to average assets | 1.6458% | 507 |
| Noninterest expense to average assets | 7.4727% | 180 |
| Loan and lease loss provision to assets | 1.0376% | 1,263 |
| Net operating income to assets | -2.5908% | 7,783 |
| Return on assets (ROA) | -2.2081% | 7,710 |
| Pretax return on assets | -3.4961% | 7,837 |
| Return on Equity (ROE) | -14.6559% | 7,590 |
| Retained earnings to average equity (ytd only) | -14.6559% | 7,419 |
| Net charge-offs to loans | 0.0130% | 5,426 |
| Credit loss provision to net charge-offs | 10,150.0000% | 57 |
| Earnings coverage of net charge-offs (x) | -299.0000% | 5,723 |
| Efficiency ratio | 167.7083% | 283 |
| Assets per employee ($millions) | 1.8784% | 7,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7150% | 2,094 |
| Loan loss allowance to noncurrent loans | 19.6923% | 7,184 |
| Noncurrent assets plus other real estate owned to assets | 8.7626% | 299 |
| Noncurrent loans to loans | 8.7088% | 382 |
| Net loans and leases to total assets | 78.0928% | 1,805 |
| Net loans and leases to deposits | 92.9807% | 2,437 |
| Net loans and leases to core deposits | 112.0449% | 3,216 |
| Total domestic deposits to total assets | 83.9882% | 3,705 |
| Equity capital to assets | 14.6529% | 1,195 |
| Core capital (leverage) ratio | 14.1520% | 1,155 |
| Tier 1 risk-based capital ratio | 14.9316% | 3,104 |
| Total risk-based capital ratio | 16.1848% | 3,032 |
| Memoranda: |
| Average total assets | $78,258,000 | 5,884 |
| Average earning assets | $65,036,000 | 6,073 |
| Average equity | $11,790,500 | 4,905 |
| Average total loans | $61,701,500 | 5,299 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4767% | 3,081 |
| Cost of funding earning assets | 2.5747% | 3,823 |
| Net interest margin | 3.9020% | 3,555 |
| Noninterest income to average assets | 1.7144% | 463 |
| Noninterest expense to average assets | 8.3771% | 204 |
| Loan and lease loss provision to assets | 3.6845% | 200 |
| Net operating income to assets | -4.5441% | 8,052 |
| Return on assets (ROA) | -4.5441% | 8,038 |
| Pretax return on assets | -7.2089% | 8,170 |
| Return on Equity (ROE) | -20.4728% | 7,768 |
| Retained earnings to average equity (ytd only) | -20.4728% | 7,691 |
| Net charge-offs to loans | 3.9295% | 171 |
| Credit loss provision to net charge-offs | 129.4493% | 4,116 |
| Earnings coverage of net charge-offs (x) | -1.2383% | 6,630 |
| Efficiency ratio | 170.8603% | 279 |
| Assets per employee ($millions) | 1.9406% | 7,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4394% | 2,973 |
| Loan loss allowance to noncurrent loans | 15.9315% | 7,369 |
| Noncurrent assets plus other real estate owned to assets | 8.9599% | 228 |
| Noncurrent loans to loans | 9.0351% | 260 |
| Net loans and leases to total assets | 77.0960% | 2,352 |
| Net loans and leases to deposits | 99.2833% | 1,945 |
| Net loans and leases to core deposits | 117.5714% | 2,942 |
| Total domestic deposits to total assets | 77.6525% | 5,820 |
| Equity capital to assets | 15.4862% | 1,051 |
| Core capital (leverage) ratio | 15.3837% | 945 |
| Tier 1 risk-based capital ratio | 15.9844% | 2,669 |
| Total risk-based capital ratio | 17.2167% | 2,623 |
| Memoranda: |
| Average total assets | $60,606,000 | 6,367 |
| Average earning assets | $48,743,800 | 6,646 |
| Average equity | $13,452,000 | 4,466 |
| Average total loans | $43,898,800 | 5,987 |
