| 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 | 5.8363% | 786 |
| Cost of funding earning assets | 1.3220% | 2,454 |
| Net interest margin | 4.5143% | 604 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 3.5669% | 535 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 0.7263% | 3,115 |
| Return on assets (ROA) | 0.7306% | 3,087 |
| Pretax return on assets | 0.8815% | 3,011 |
| Return on Equity (ROE) | 8.9700% | 2,765 |
| Retained earnings to average equity (ytd only) | 5.4212% | 2,433 |
| Net charge-offs to loans | 0.2919% | 370 |
| Credit loss provision to net charge-offs | 119.6172% | 1,677 |
| Earnings coverage of net charge-offs (x) | 5.1842% | 2,541 |
| Efficiency ratio | 74.5448% | 1,401 |
| Assets per employee ($millions) | 4.5117% | 3,948 |
| Cash dividends to net income (ytd only)* | 39.5683% | 2,125 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6426% | 773 |
| Loan loss allowance to noncurrent loans | 57.3382% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 2.1610% | 119 |
| Noncurrent loans to loans | 2.8648% | 154 |
| Net loans and leases to total assets | 74.1900% | 1,329 |
| Net loans and leases to deposits | 86.1668% | 1,604 |
| Net loans and leases to core deposits | 90.3009% | 2,030 |
| Total domestic deposits to total assets | 86.1100% | 1,974 |
| Equity capital to assets | 8.6003% | 2,975 |
| Core capital (leverage) ratio | 9.9823% | 2,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1855% | 2,529 |
| Memoranda: |
| Average total assets | $190,248,800 | 3,051 |
| Average earning assets | $174,733,400 | 3,056 |
| Average equity | $15,494,600 | 3,222 |
| Average total loans | $143,212,800 | 2,734 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8076% | 678 |
| Cost of funding earning assets | 1.2060% | 2,416 |
| Net interest margin | 4.6016% | 526 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 3.5965% | 501 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 0.7409% | 3,201 |
| Return on assets (ROA) | 0.7421% | 3,189 |
| Pretax return on assets | 0.8752% | 3,159 |
| Return on Equity (ROE) | 9.2400% | 2,863 |
| Retained earnings to average equity (ytd only) | 8.3691% | 1,847 |
| Net charge-offs to loans | 0.2261% | 391 |
| Credit loss provision to net charge-offs | 105.7613% | 1,578 |
| Earnings coverage of net charge-offs (x) | 6.1934% | 2,306 |
| Efficiency ratio | 76.0614% | 1,163 |
| Assets per employee ($millions) | 4.9028% | 3,674 |
| Cash dividends to net income (ytd only)* | 9.4340% | 2,802 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6285% | 838 |
| Loan loss allowance to noncurrent loans | 197.0614% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.6210% | 937 |
| Noncurrent loans to loans | 0.8264% | 1,000 |
| Net loans and leases to total assets | 73.9300% | 1,348 |
| Net loans and leases to deposits | 84.0513% | 1,733 |
| Net loans and leases to core deposits | 87.4237% | 2,097 |
| Total domestic deposits to total assets | 87.9500% | 1,595 |
| Equity capital to assets | 7.9477% | 3,087 |
| Core capital (leverage) ratio | 10.1663% | 2,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5275% | 2,440 |
| Memoranda: |
| Average total assets | $190,437,750 | 3,061 |
| Average earning assets | $175,121,500 | 3,064 |
| Average equity | $15,294,000 | 3,226 |
| Average total loans | $143,280,500 | 2,733 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6702% | 670 |
| Cost of funding earning assets | 1.0899% | 2,315 |
| Net interest margin | 4.5803% | 548 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 3.4909% | 542 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 0.7792% | 3,144 |
| Return on assets (ROA) | 0.7810% | 3,153 |
| Pretax return on assets | 0.9217% | 3,120 |
| Return on Equity (ROE) | 9.6900% | 2,796 |
| Retained earnings to average equity (ytd only) | 9.6918% | 1,488 |
| Net charge-offs to loans | 0.2784% | 302 |
| Credit loss provision to net charge-offs | 103.4826% | 1,417 |
| Earnings coverage of net charge-offs (x) | 5.4229% | 2,169 |
| Efficiency ratio | 74.1550% | 1,330 |
| Assets per employee ($millions) | 4.8270% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6035% | 928 |
| Loan loss allowance to noncurrent loans | 222.1896% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.5434% | 999 |
| Noncurrent loans to loans | 0.7217% | 1,037 |
| Net loans and leases to total assets | 74.0900% | 1,282 |
| Net loans and leases to deposits | 85.0837% | 1,579 |
| Net loans and leases to core deposits | 87.6172% | 1,952 |
| Total domestic deposits to total assets | 87.0800% | 1,908 |
| Equity capital to assets | 8.3770% | 2,968 |
| Core capital (leverage) ratio | 9.8487% | 2,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2639% | 2,547 |
| Memoranda: |
| Average total assets | $191,815,333 | 3,052 |
| Average earning assets | $176,537,667 | 3,050 |
| Average equity | $15,456,333 | 3,230 |
| Average total loans | $144,371,000 | 2,719 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4734% | 646 |
| Cost of funding earning assets | 0.9373% | 2,249 |
| Net interest margin | 4.5360% | 558 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 3.4381% | 581 |
| Loan and lease loss provision to assets | 0.2500% | 378 |
| Net operating income to assets | 0.6963% | 3,481 |
| Return on assets (ROA) | 0.6963% | 3,428 |
| Pretax return on assets | 0.8265% | 3,405 |
| Return on Equity (ROE) | 8.8100% | 3,101 |
| Retained earnings to average equity (ytd only) | 8.8107% | 2,002 |
| Net charge-offs to loans | 0.1840% | 394 |
| Credit loss provision to net charge-offs | 180.5970% | 869 |
| Earnings coverage of net charge-offs (x) | 7.7761% | 1,743 |
| Efficiency ratio | 74.8284% | 1,262 |
| Assets per employee ($millions) | 5.2519% | 3,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5893% | 1,029 |
| Loan loss allowance to noncurrent loans | 80.4997% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.4831% | 224 |
| Noncurrent loans to loans | 1.9743% | 286 |
| Net loans and leases to total assets | 73.9300% | 1,212 |
| Net loans and leases to deposits | 87.4193% | 1,258 |
| Net loans and leases to core deposits | 89.4352% | 1,653 |
| Total domestic deposits to total assets | 84.5700% | 2,958 |
| Equity capital to assets | 8.0738% | 3,189 |
| Core capital (leverage) ratio | 9.7150% | 2,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6730% | 2,815 |
| Memoranda: |
| Average total assets | $193,596,500 | 3,078 |
| Average earning assets | $177,952,500 | 3,079 |
| Average equity | $15,299,500 | 3,280 |
| Average total loans | $145,682,000 | 2,743 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8436% | 399 |
| Cost of funding earning assets | 0.3625% | 2,385 |
| Net interest margin | 4.4811% | 301 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 3.3614% | 573 |
| Loan and lease loss provision to assets | 1.7400% | 24 |
| Net operating income to assets | -0.2680% | 4,615 |
| Return on assets (ROA) | -0.2680% | 4,603 |
| Pretax return on assets | -0.3867% | 4,616 |
| Return on Equity (ROE) | -2.9500% | 4,601 |
| Retained earnings to average equity (ytd only) | -7.4678% | 4,608 |
| Net charge-offs to loans | 2.1768% | 28 |
| Credit loss provision to net charge-offs | 108.9523% | 1,511 |
| Earnings coverage of net charge-offs (x) | 0.8475% | 2,551 |
| Efficiency ratio | 69.9393% | 1,692 |
| Assets per employee ($millions) | 4.8219% | 3,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5586% | 1,049 |
| Loan loss allowance to noncurrent loans | 221.2891% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.5309% | 943 |
| Noncurrent loans to loans | 0.7043% | 1,065 |
| Net loans and leases to total assets | 74.2000% | 1,198 |
| Net loans and leases to deposits | 84.0726% | 1,469 |
| Net loans and leases to core deposits | 85.7875% | 1,769 |
| Total domestic deposits to total assets | 88.2600% | 1,990 |
| Equity capital to assets | 7.7304% | 3,234 |
| Core capital (leverage) ratio | 9.3742% | 3,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8492% | 2,772 |
| Memoranda: |
| Average total assets | $188,787,800 | 3,113 |
| Average earning assets | $172,124,000 | 3,130 |
| Average equity | $17,153,600 | 3,193 |
| Average total loans | $138,550,200 | 2,745 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6184% | 412 |
| Cost of funding earning assets | 0.2652% | 2,544 |
| Net interest margin | 4.3533% | 304 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 3.4034% | 521 |
| Loan and lease loss provision to assets | 0.3500% | 176 |
| Net operating income to assets | 0.6483% | 3,701 |
| Return on assets (ROA) | 0.6483% | 3,657 |
| Pretax return on assets | 0.7669% | 3,660 |
| Return on Equity (ROE) | 6.8700% | 3,616 |
| Retained earnings to average equity (ytd only) | 1.0387% | 4,210 |
| Net charge-offs to loans | -0.0429% | 4,268 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.9465% | 1,279 |
| Assets per employee ($millions) | 4.8365% | 3,813 |
| Cash dividends to net income (ytd only)* | 84.8850% | 348 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7380% | 822 |
| Loan loss allowance to noncurrent loans | 419.7674% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 1,697 |
| Noncurrent loans to loans | 0.4140% | 1,779 |
| Net loans and leases to total assets | 73.8500% | 1,115 |
| Net loans and leases to deposits | 84.9034% | 1,240 |
| Net loans and leases to core deposits | 87.0794% | 1,459 |
| Total domestic deposits to total assets | 86.9800% | 2,768 |
| Equity capital to assets | 8.1903% | 2,767 |
| Core capital (leverage) ratio | 10.4486% | 2,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4807% | 2,659 |
| Memoranda: |
| Average total assets | $187,766,250 | 3,145 |
| Average earning assets | $170,962,500 | 3,164 |
| Average equity | $17,714,500 | 3,182 |
| Average total loans | $136,841,000 | 2,764 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4683% | 392 |
| Cost of funding earning assets | 0.2417% | 2,373 |
| Net interest margin | 4.2267% | 317 |
| Noninterest income to average assets | 0.5950% | 1,762 |
| Noninterest expense to average assets | 3.4325% | 461 |
| Loan and lease loss provision to assets | 0.2507% | 286 |
| Net operating income to assets | 0.6370% | 3,519 |
| Return on assets (ROA) | 0.6370% | 3,469 |
| Pretax return on assets | 0.7511% | 3,446 |
| Return on Equity (ROE) | 6.4567% | 3,459 |
| Retained earnings to average equity (ytd only) | 0.7307% | 4,052 |
| Net charge-offs to loans | -0.0955% | 4,429 |
| Credit loss provision to net charge-offs | -364.0625% | 3,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9282% | 1,296 |
| Assets per employee ($millions) | 4.3574% | 4,169 |
| Cash dividends to net income (ytd only)* | 88.6824% | 489 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6872% | 981 |
| Loan loss allowance to noncurrent loans | 383.4448% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.3268% | 1,689 |
| Noncurrent loans to loans | 0.4400% | 1,800 |
| Net loans and leases to total assets | 73.0073% | 1,002 |
| Net loans and leases to deposits | 80.8127% | 1,328 |
| Net loans and leases to core deposits | 82.9057% | 1,528 |
| Total domestic deposits to total assets | 90.3415% | 1,554 |
| Equity capital to assets | 9.2269% | 2,214 |
| Core capital (leverage) ratio | 10.4226% | 2,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3148% | 2,370 |
| Memoranda: |
| Average total assets | $185,868,000 | 3,193 |
| Average earning assets | $168,833,000 | 3,230 |
| Average equity | $18,337,667 | 3,204 |
| Average total loans | $133,988,333 | 2,807 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2855% | 450 |
| Cost of funding earning assets | 0.2464% | 2,198 |
| Net interest margin | 4.0392% | 390 |
| Noninterest income to average assets | 0.6749% | 1,398 |
| Noninterest expense to average assets | 3.3850% | 477 |
| Loan and lease loss provision to assets | 0.2392% | 278 |
| Net operating income to assets | 0.5916% | 3,420 |
| Return on assets (ROA) | 0.5916% | 3,400 |
| Pretax return on assets | 0.6919% | 3,417 |
| Return on Equity (ROE) | 5.8122% | 3,397 |
| Retained earnings to average equity (ytd only) | -5.2037% | 4,425 |
| Net charge-offs to loans | -0.0271% | 4,041 |
| Credit loss provision to net charge-offs | -1,244.4444% | 3,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8926% | 1,424 |
| Assets per employee ($millions) | 4.5991% | 4,079 |
| Cash dividends to net income (ytd only)* | 189.5307% | 227 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5468% | 1,408 |
| Loan loss allowance to noncurrent loans | 354.0134% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 1,854 |
| Noncurrent loans to loans | 0.4369% | 1,934 |
| Net loans and leases to total assets | 71.4614% | 878 |
| Net loans and leases to deposits | 81.7647% | 1,027 |
| Net loans and leases to core deposits | 84.0139% | 1,240 |
| Total domestic deposits to total assets | 87.3988% | 2,786 |
| Equity capital to assets | 9.6175% | 2,197 |
| Core capital (leverage) ratio | 10.1607% | 2,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9513% | 2,621 |
| Memoranda: |
| Average total assets | $187,297,500 | 3,190 |
| Average earning assets | $168,846,500 | 3,235 |
| Average equity | $19,063,500 | 3,230 |
| Average total loans | $133,031,000 | 2,818 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9908% | 1,377 |
| Cost of funding earning assets | 0.2916% | 2,484 |
| Net interest margin | 3.6992% | 1,214 |
| Noninterest income to average assets | 0.9945% | 1,013 |
| Noninterest expense to average assets | 3.3466% | 586 |
| Loan and lease loss provision to assets | 0.0510% | 2,041 |
| Net operating income to assets | 0.7856% | 3,376 |
| Return on assets (ROA) | 0.7887% | 3,437 |
| Pretax return on assets | 0.9614% | 3,359 |
| Return on Equity (ROE) | 7.3127% | 3,437 |
| Retained earnings to average equity (ytd only) | 2.4308% | 3,846 |
| Net charge-offs to loans | 0.0383% | 1,488 |
| Credit loss provision to net charge-offs | 200.0000% | 1,300 |
| Earnings coverage of net charge-offs (x) | 39.5319% | 1,448 |
| Efficiency ratio | 75.2586% | 1,179 |
| Assets per employee ($millions) | 4.5374% | 4,087 |
| Cash dividends to net income (ytd only)* | 66.7584% | 837 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5449% | 1,408 |
| Loan loss allowance to noncurrent loans | 332.1131% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.3231% | 1,948 |
| Noncurrent loans to loans | 0.4652% | 1,970 |
| Net loans and leases to total assets | 68.3750% | 1,225 |
| Net loans and leases to deposits | 78.4865% | 1,356 |
| Net loans and leases to core deposits | 80.5497% | 1,551 |
| Total domestic deposits to total assets | 87.1168% | 2,467 |
| Equity capital to assets | 10.7465% | 1,981 |
| Core capital (leverage) ratio | 10.1624% | 2,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7034% | 2,360 |
| Memoranda: |
| Average total assets | $184,218,200 | 3,175 |
| Average earning assets | $167,361,400 | 3,213 |
| Average equity | $19,869,600 | 3,228 |
| Average total loans | $122,844,000 | 2,923 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9727% | 1,606 |
| Cost of funding earning assets | 0.3018% | 2,575 |
| Net interest margin | 3.6709% | 1,403 |
| Noninterest income to average assets | 0.9628% | 1,131 |
| Noninterest expense to average assets | 3.2737% | 625 |
| Loan and lease loss provision to assets | 0.0397% | 2,202 |
| Net operating income to assets | 0.8034% | 3,517 |
| Return on assets (ROA) | 0.8075% | 3,582 |
| Pretax return on assets | 0.9904% | 3,491 |
| Return on Equity (ROE) | 7.4800% | 3,539 |
| Retained earnings to average equity (ytd only) | 1.0955% | 4,399 |
| Net charge-offs to loans | 0.0363% | 1,355 |
| Credit loss provision to net charge-offs | 166.6667% | 1,292 |
| Earnings coverage of net charge-offs (x) | 42.8182% | 1,325 |
| Efficiency ratio | 74.5316% | 1,170 |
| Assets per employee ($millions) | 4.4492% | 4,160 |
| Cash dividends to net income (ytd only)* | 85.3549% | 323 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6281% | 1,265 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 63.7304% | 1,805 |
| Net loans and leases to deposits | 73.0463% | 1,954 |
| Net loans and leases to core deposits | 74.9122% | 2,147 |
| Total domestic deposits to total assets | 87.2465% | 2,245 |
| Equity capital to assets | 10.5851% | 2,385 |
| Core capital (leverage) ratio | 10.1238% | 2,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3635% | 2,225 |
| Memoranda: |
| Average total assets | $183,764,500 | 3,216 |
| Average earning assets | $167,002,250 | 3,245 |
| Average equity | $19,839,000 | 3,270 |
| Average total loans | $121,256,000 | 2,980 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8729% | 1,892 |
| Cost of funding earning assets | 0.3117% | 2,663 |
| Net interest margin | 3.5611% | 1,683 |
| Noninterest income to average assets | 1.1175% | 908 |
| Noninterest expense to average assets | 3.2200% | 694 |
| Loan and lease loss provision to assets | 0.0296% | 2,386 |
| Net operating income to assets | 0.8986% | 3,228 |
| Return on assets (ROA) | 0.8986% | 3,310 |
| Pretax return on assets | 1.1065% | 3,191 |
| Return on Equity (ROE) | 8.2684% | 3,328 |
| Retained earnings to average equity (ytd only) | 3.7364% | 3,607 |
| Net charge-offs to loans | 0.0280% | 1,389 |
| Credit loss provision to net charge-offs | 158.8235% | 1,140 |
| Earnings coverage of net charge-offs (x) | 61.0588% | 963 |
| Efficiency ratio | 72.2864% | 1,403 |
| Assets per employee ($millions) | 4.7011% | 3,929 |
| Cash dividends to net income (ytd only)* | 54.8112% | 1,086 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5844% | 1,315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 64.7088% | 1,867 |
| Net loans and leases to deposits | 74.3126% | 1,973 |
| Net loans and leases to core deposits | 76.1878% | 2,221 |
| Total domestic deposits to total assets | 87.0764% | 2,274 |
| Equity capital to assets | 10.6512% | 2,268 |
| Core capital (leverage) ratio | 10.0454% | 2,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1722% | 1,915 |
| Memoranda: |
| Average total assets | $182,730,333 | 3,228 |
| Average earning assets | $166,182,333 | 3,261 |
| Average equity | $19,858,667 | 3,262 |
| Average total loans | $121,320,667 | 2,994 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8754% | 1,892 |
| Cost of funding earning assets | 0.3289% | 2,717 |
| Net interest margin | 3.5466% | 1,708 |
| Noninterest income to average assets | 1.4372% | 650 |
| Noninterest expense to average assets | 3.2298% | 683 |
| Loan and lease loss provision to assets | 0.0444% | 2,181 |
| Net operating income to assets | 1.1084% | 2,444 |
| Return on assets (ROA) | 1.1084% | 2,526 |
| Pretax return on assets | 1.3728% | 2,358 |
| Return on Equity (ROE) | 10.0943% | 2,659 |
| Retained earnings to average equity (ytd only) | 0.9912% | 4,220 |
| Net charge-offs to loans | 0.0632% | 902 |
| Credit loss provision to net charge-offs | 105.2632% | 1,087 |
| Earnings coverage of net charge-offs (x) | 33.5789% | 1,053 |
| Efficiency ratio | 67.9254% | 1,943 |
| Assets per employee ($millions) | 4.5873% | 4,024 |
| Cash dividends to net income (ytd only)* | 90.1804% | 499 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6310% | 1,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 61.0121% | 2,403 |
| Net loans and leases to deposits | 69.7120% | 2,537 |
| Net loans and leases to core deposits | 71.0687% | 2,777 |
| Total domestic deposits to total assets | 87.5203% | 2,078 |
| Equity capital to assets | 10.2375% | 2,489 |
| Core capital (leverage) ratio | 10.7741% | 1,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2907% | 1,818 |
| Memoranda: |
| Average total assets | $180,073,500 | 3,250 |
| Average earning assets | $162,975,000 | 3,284 |
| Average equity | $19,773,500 | 3,261 |
| Average total loans | $120,161,000 | 3,016 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6602% | 964 |
| Cost of funding earning assets | 0.4926% | 2,995 |
| Net interest margin | 4.1676% | 693 |
| Noninterest income to average assets | 1.2102% | 765 |
| Noninterest expense to average assets | 3.5627% | 634 |
| Loan and lease loss provision to assets | 0.1066% | 3,007 |
| Net operating income to assets | 1.0615% | 2,058 |
| Return on assets (ROA) | 1.0671% | 2,181 |
| Pretax return on assets | 1.3055% | 1,955 |
| Return on Equity (ROE) | 8.8618% | 2,451 |
| Retained earnings to average equity (ytd only) | 3.9125% | 2,865 |
| Net charge-offs to loans | -0.0273% | 4,503 |
| Credit loss provision to net charge-offs | -515.1515% | 3,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0088% | 1,948 |
| Assets per employee ($millions) | 4.0849% | 4,309 |
| Cash dividends to net income (ytd only)* | 55.8495% | 1,547 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6131% | 1,258 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 70.9778% | 1,426 |
| Net loans and leases to deposits | 83.2913% | 1,513 |
| Net loans and leases to core deposits | 85.2071% | 1,933 |
| Total domestic deposits to total assets | 85.2163% | 2,678 |
| Equity capital to assets | 11.8359% | 1,659 |
| Core capital (leverage) ratio | 11.2199% | 1,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2109% | 1,775 |
| Memoranda: |
| Average total assets | $159,400,200 | 3,291 |
| Average earning assets | $143,728,000 | 3,338 |
| Average equity | $19,194,800 | 3,259 |
| Average total loans | $121,008,600 | 2,969 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6624% | 1,154 |
| Cost of funding earning assets | 0.5180% | 3,122 |
| Net interest margin | 4.1443% | 818 |
| Noninterest income to average assets | 1.1005% | 857 |
| Noninterest expense to average assets | 3.4929% | 716 |
| Loan and lease loss provision to assets | 0.0934% | 3,147 |
| Net operating income to assets | 1.0217% | 2,250 |
| Return on assets (ROA) | 1.0293% | 2,355 |
| Pretax return on assets | 1.2513% | 2,218 |
| Return on Equity (ROE) | 8.5092% | 2,595 |
| Retained earnings to average equity (ytd only) | 1.8559% | 3,981 |
| Net charge-offs to loans | -0.0562% | 4,701 |
| Credit loss provision to net charge-offs | -215.6863% | 3,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5562% | 1,812 |
| Assets per employee ($millions) | 4.1346% | 4,210 |
| Cash dividends to net income (ytd only)* | 78.1893% | 631 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5165% | 1,337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 73.0583% | 1,494 |
| Net loans and leases to deposits | 86.7015% | 1,620 |
| Net loans and leases to core deposits | 88.0227% | 2,143 |
| Total domestic deposits to total assets | 84.2642% | 2,725 |
| Equity capital to assets | 11.4047% | 2,078 |
| Core capital (leverage) ratio | 10.8080% | 2,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7683% | 1,905 |
| Memoranda: |
| Average total assets | $157,379,750 | 3,297 |
| Average earning assets | $141,555,500 | 3,354 |
| Average equity | $19,037,750 | 3,271 |
| Average total loans | $121,054,750 | 2,982 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7837% | 1,210 |
| Cost of funding earning assets | 0.5370% | 3,306 |
| Net interest margin | 4.2467% | 833 |
| Noninterest income to average assets | 0.8439% | 1,309 |
| Noninterest expense to average assets | 3.5126% | 739 |
| Loan and lease loss provision to assets | 0.1043% | 2,969 |
| Net operating income to assets | 0.8881% | 2,739 |
| Return on assets (ROA) | 0.9000% | 2,812 |
| Pretax return on assets | 1.0891% | 2,743 |
| Return on Equity (ROE) | 7.2864% | 3,018 |
| Retained earnings to average equity (ytd only) | 2.0064% | 3,749 |
| Net charge-offs to loans | -0.0971% | 4,838 |
| Credit loss provision to net charge-offs | -137.9310% | 3,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9497% | 1,573 |
| Assets per employee ($millions) | 4.3117% | 3,985 |
| Cash dividends to net income (ytd only)* | 72.4638% | 876 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4423% | 1,442 |
| Loan loss allowance to noncurrent loans | 6,977.7778% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 4,483 |
| Noncurrent loans to loans | 0.0207% | 4,409 |
| Net loans and leases to total assets | 74.6495% | 1,322 |
| Net loans and leases to deposits | 89.8355% | 1,369 |
| Net loans and leases to core deposits | 91.1792% | 1,972 |
| Total domestic deposits to total assets | 83.0958% | 3,056 |
| Equity capital to assets | 11.1303% | 2,226 |
| Core capital (leverage) ratio | 10.8858% | 2,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4475% | 2,020 |
| Memoranda: |
| Average total assets | $153,333,667 | 3,317 |
| Average earning assets | $138,931,000 | 3,361 |
| Average equity | $18,939,333 | 3,278 |
| Average total loans | $119,488,333 | 2,987 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0317% | 907 |
| Cost of funding earning assets | 0.5645% | 3,618 |
| Net interest margin | 4.4672% | 547 |
| Noninterest income to average assets | 1.0183% | 824 |
| Noninterest expense to average assets | 3.6058% | 807 |
| Loan and lease loss provision to assets | 0.1113% | 2,293 |
| Net operating income to assets | 1.1240% | 1,771 |
| Return on assets (ROA) | 1.1240% | 1,869 |
| Pretax return on assets | 1.3744% | 1,641 |
| Return on Equity (ROE) | 8.5907% | 2,280 |
| Retained earnings to average equity (ytd only) | -2.0414% | 4,260 |
| Net charge-offs to loans | -0.0808% | 4,771 |
| Credit loss provision to net charge-offs | -173.9130% | 3,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9071% | 2,518 |
| Assets per employee ($millions) | 3.7039% | 4,275 |
| Cash dividends to net income (ytd only)* | 123.7624% | 591 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6277% | 999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3332% | 3,107 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 77.6774% | 1,028 |
| Net loans and leases to deposits | 94.7951% | 1,011 |
| Net loans and leases to core deposits | 96.5532% | 1,747 |
| Total domestic deposits to total assets | 81.9425% | 3,440 |
| Equity capital to assets | 13.3712% | 1,274 |
| Core capital (leverage) ratio | 12.4423% | 1,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4970% | 2,076 |
| Memoranda: |
| Average total assets | $143,767,500 | 3,414 |
| Average earning assets | $131,088,500 | 3,433 |
| Average equity | $18,811,000 | 3,289 |
| Average total loans | $113,918,000 | 3,030 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1420% | 1,127 |
| Cost of funding earning assets | 0.5827% | 3,709 |
| Net interest margin | 4.5592% | 627 |
| Noninterest income to average assets | 0.9237% | 1,133 |
| Noninterest expense to average assets | 3.5066% | 956 |
| Loan and lease loss provision to assets | 0.5446% | 229 |
| Net operating income to assets | 0.8697% | 3,319 |
| Return on assets (ROA) | 0.8770% | 3,380 |
| Pretax return on assets | 1.0255% | 3,401 |
| Return on Equity (ROE) | 6.8680% | 3,597 |
| Retained earnings to average equity (ytd only) | 6.3141% | 1,711 |
| Net charge-offs to loans | 0.3523% | 568 |
| Credit loss provision to net charge-offs | 198.4536% | 1,338 |
| Earnings coverage of net charge-offs (x) | 5.6907% | 3,054 |
| Efficiency ratio | 67.2063% | 2,579 |
| Assets per employee ($millions) | 3.8628% | 4,080 |
| Cash dividends to net income (ytd only)* | 8.0645% | 3,799 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4962% | 1,240 |
| Loan loss allowance to noncurrent loans | 4,718.9189% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.3447% | 3,029 |
| Noncurrent loans to loans | 0.0317% | 4,438 |
| Net loans and leases to total assets | 78.3118% | 1,029 |
| Net loans and leases to deposits | 91.6586% | 1,411 |
| Net loans and leases to core deposits | 93.0227% | 2,157 |
| Total domestic deposits to total assets | 85.4386% | 2,326 |
| Equity capital to assets | 12.8092% | 1,635 |
| Core capital (leverage) ratio | 12.4040% | 1,535 |
| Tier 1 risk-based capital ratio | 12.8851% | 3,852 |
| Total risk-based capital ratio | 14.1353% | 3,731 |
| Memoranda: |
| Average total assets | $141,390,000 | 3,418 |
| Average earning assets | $128,530,000 | 3,452 |
| Average equity | $18,054,800 | 3,332 |
| Average total loans | $110,143,600 | 3,086 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1636% | 1,120 |
| Cost of funding earning assets | 0.5940% | 3,728 |
| Net interest margin | 4.5696% | 659 |
| Noninterest income to average assets | 0.9235% | 1,096 |
| Noninterest expense to average assets | 3.5008% | 948 |
| Loan and lease loss provision to assets | 0.6093% | 188 |
| Net operating income to assets | 0.8213% | 3,602 |
| Return on assets (ROA) | 0.8312% | 3,654 |
| Pretax return on assets | 0.9702% | 3,686 |
| Return on Equity (ROE) | 6.5143% | 3,874 |
| Retained earnings to average equity (ytd only) | 6.5143% | 2,111 |
| Net charge-offs to loans | 0.4362% | 383 |
| Credit loss provision to net charge-offs | 180.2817% | 1,425 |
| Earnings coverage of net charge-offs (x) | 4.6395% | 2,991 |
| Efficiency ratio | 67.0548% | 2,579 |
| Assets per employee ($millions) | 3.8381% | 4,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4805% | 1,302 |
| Loan loss allowance to noncurrent loans | 3,508.5106% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 4,534 |
| Noncurrent loans to loans | 0.0422% | 4,462 |
| Net loans and leases to total assets | 75.2372% | 1,610 |
| Net loans and leases to deposits | 92.6188% | 1,357 |
| Net loans and leases to core deposits | 94.6757% | 2,113 |
| Total domestic deposits to total assets | 81.2332% | 3,683 |
| Equity capital to assets | 12.6913% | 1,785 |
| Core capital (leverage) ratio | 12.3988% | 1,626 |
| Tier 1 risk-based capital ratio | 13.3744% | 3,646 |
| Total risk-based capital ratio | 14.6241% | 3,543 |
| Memoranda: |
| Average total assets | $140,041,250 | 3,474 |
| Average earning assets | $127,039,000 | 3,506 |
| Average equity | $17,868,000 | 3,377 |
| Average total loans | $108,505,500 | 3,142 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1831% | 1,012 |
| Cost of funding earning assets | 0.5807% | 3,753 |
| Net interest margin | 4.6024% | 611 |
| Noninterest income to average assets | 0.8935% | 1,087 |
| Noninterest expense to average assets | 3.4901% | 973 |
| Loan and lease loss provision to assets | 0.6300% | 172 |
| Net operating income to assets | 0.8286% | 3,548 |
| Return on assets (ROA) | 0.8298% | 3,608 |
| Pretax return on assets | 0.9645% | 3,669 |
| Return on Equity (ROE) | 6.4914% | 3,880 |
| Retained earnings to average equity (ytd only) | 6.4914% | 2,058 |
| Net charge-offs to loans | 0.4649% | 346 |
| Credit loss provision to net charge-offs | 174.0000% | 1,342 |
| Earnings coverage of net charge-offs (x) | 4.4000% | 2,739 |
| Efficiency ratio | 66.5812% | 2,739 |
| Assets per employee ($millions) | 3.6622% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4166% | 1,539 |
| Loan loss allowance to noncurrent loans | 443.8395% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 3,572 |
| Noncurrent loans to loans | 0.3192% | 3,386 |
| Net loans and leases to total assets | 77.4591% | 1,321 |
| Net loans and leases to deposits | 92.7222% | 1,411 |
| Net loans and leases to core deposits | 94.5861% | 2,194 |
| Total domestic deposits to total assets | 83.5390% | 3,034 |
| Equity capital to assets | 12.9882% | 1,594 |
| Core capital (leverage) ratio | 12.3940% | 1,591 |
| Tier 1 risk-based capital ratio | 13.3219% | 3,684 |
| Total risk-based capital ratio | 14.5250% | 3,607 |
| Memoranda: |
| Average total assets | $138,105,670 | 3,514 |
| Average earning assets | $125,717,330 | 3,539 |
| Average equity | $17,654,000 | 3,398 |
| Average total loans | $107,547,000 | 3,172 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1553% | 992 |
| Cost of funding earning assets | 0.5915% | 3,622 |
| Net interest margin | 4.5637% | 658 |
| Noninterest income to average assets | 0.7792% | 1,336 |
| Noninterest expense to average assets | 3.4396% | 1,053 |
| Loan and lease loss provision to assets | 0.5088% | 211 |
| Net operating income to assets | 0.8597% | 3,404 |
| Return on assets (ROA) | 0.8722% | 3,386 |
| Pretax return on assets | 1.0176% | 3,388 |
| Return on Equity (ROE) | 6.8794% | 3,721 |
| Retained earnings to average equity (ytd only) | 6.8794% | 2,088 |
| Net charge-offs to loans | 0.1875% | 742 |
| Credit loss provision to net charge-offs | 350.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 10.4000% | 1,964 |
| Efficiency ratio | 67.2930% | 2,744 |
| Assets per employee ($millions) | 3.7593% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3811% | 1,749 |
| Loan loss allowance to noncurrent loans | 421.8130% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2538% | 3,601 |
| Noncurrent loans to loans | 0.3274% | 3,393 |
| Net loans and leases to total assets | 76.4417% | 1,406 |
| Net loans and leases to deposits | 90.3195% | 1,587 |
| Net loans and leases to core deposits | 97.0367% | 1,851 |
| Total domestic deposits to total assets | 84.6347% | 2,806 |
| Equity capital to assets | 12.7203% | 1,615 |
| Core capital (leverage) ratio | 12.3036% | 1,603 |
| Tier 1 risk-based capital ratio | 13.4057% | 3,663 |
| Total risk-based capital ratio | 14.5908% | 3,606 |
| Memoranda: |
| Average total assets | $137,576,000 | 3,562 |
| Average earning assets | $125,774,000 | 3,576 |
| Average equity | $17,443,500 | 3,427 |
| Average total loans | $106,648,000 | 3,217 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8308% | 1,466 |
| Cost of funding earning assets | 0.2681% | 4,720 |
| Net interest margin | 4.5627% | 670 |
| Noninterest income to average assets | 0.9311% | 1,103 |
| Noninterest expense to average assets | 3.4312% | 1,102 |
| Loan and lease loss provision to assets | 1.5600% | 44 |
| Net operating income to assets | 0.1899% | 5,118 |
| Return on assets (ROA) | 0.1899% | 5,112 |
| Pretax return on assets | 0.1221% | 5,165 |
| Return on Equity (ROE) | 1.5924% | 5,096 |
| Retained earnings to average equity (ytd only) | -0.2710% | 5,017 |
| Net charge-offs to loans | 1.7759% | 60 |
| Credit loss provision to net charge-offs | 125.0000% | 2,099 |
| Earnings coverage of net charge-offs (x) | 1.3478% | 3,634 |
| Efficiency ratio | 64.6696% | 3,089 |
| Assets per employee ($millions) | 3.7794% | 4,212 |
| Cash dividends to net income (ytd only)* | 117.0213% | 162 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2931% | 2,077 |
| Loan loss allowance to noncurrent loans | 383.1461% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 3,536 |
| Noncurrent loans to loans | 0.3375% | 3,342 |
| Net loans and leases to total assets | 76.5242% | 1,517 |
| Net loans and leases to deposits | 92.5148% | 1,469 |
| Net loans and leases to core deposits | 97.9722% | 1,866 |
| Total domestic deposits to total assets | 82.7156% | 3,421 |
| Equity capital to assets | 12.6372% | 1,519 |
| Core capital (leverage) ratio | 13.0495% | 1,226 |
| Tier 1 risk-based capital ratio | 13.5662% | 3,511 |
| Total risk-based capital ratio | 14.6881% | 3,487 |
| Memoranda: |
| Average total assets | $123,718,200 | 3,735 |
| Average earning assets | $113,396,800 | 3,751 |
| Average equity | $14,758,000 | 3,664 |
| Average total loans | $86,942,200 | 3,533 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7086% | 1,648 |
| Cost of funding earning assets | 0.2327% | 4,872 |
| Net interest margin | 4.4760% | 782 |
| Noninterest income to average assets | 0.7693% | 1,583 |
| Noninterest expense to average assets | 3.3987% | 1,118 |
| Loan and lease loss provision to assets | 1.6358% | 40 |
| Net operating income to assets | -0.0365% | 5,313 |
| Return on assets (ROA) | -0.0365% | 5,308 |
| Pretax return on assets | -0.1614% | 5,338 |
| Return on Equity (ROE) | -0.3110% | 5,310 |
| Retained earnings to average equity (ytd only) | -2.9024% | 5,245 |
| Net charge-offs to loans | 1.9909% | 47 |
| Credit loss provision to net charge-offs | 120.4231% | 1,983 |
| Earnings coverage of net charge-offs (x) | 1.0854% | 3,375 |
| Efficiency ratio | 67.1354% | 2,693 |
| Assets per employee ($millions) | 3.7963% | 4,173 |
| Cash dividends to net income (ytd only)* | -833.3182% | 5,475 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3625% | 1,840 |
| Loan loss allowance to noncurrent loans | 232.7652% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.4215% | 3,006 |
| Noncurrent loans to loans | 0.5853% | 2,622 |
| Net loans and leases to total assets | 71.0218% | 2,487 |
| Net loans and leases to deposits | 82.1430% | 2,801 |
| Net loans and leases to core deposits | 83.6953% | 3,178 |
| Total domestic deposits to total assets | 86.4612% | 1,986 |
| Equity capital to assets | 13.3879% | 1,175 |
| Core capital (leverage) ratio | 13.0580% | 1,254 |
| Tier 1 risk-based capital ratio | 15.3157% | 2,733 |
| Total risk-based capital ratio | 16.4787% | 2,695 |
| Memoranda: |
| Average total assets | $120,633,000 | 3,818 |
| Average earning assets | $110,602,500 | 3,833 |
| Average equity | $14,149,000 | 3,759 |
| Average total loans | $82,307,250 | 3,649 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5823% | 1,833 |
| Cost of funding earning assets | 0.2193% | 4,924 |
| Net interest margin | 4.3630% | 922 |
| Noninterest income to average assets | 0.7507% | 1,645 |
| Noninterest expense to average assets | 3.3657% | 1,189 |
| Loan and lease loss provision to assets | 0.5626% | 187 |
| Net operating income to assets | 0.7440% | 4,054 |
| Return on assets (ROA) | 0.7440% | 4,056 |
| Pretax return on assets | 0.8313% | 4,157 |
| Return on Equity (ROE) | 6.6744% | 4,002 |
| Retained earnings to average equity (ytd only) | 2.5311% | 4,246 |
| Net charge-offs to loans | 0.7807% | 177 |
| Credit loss provision to net charge-offs | 107.7170% | 1,918 |
| Earnings coverage of net charge-offs (x) | 2.6688% | 2,955 |
| Efficiency ratio | 68.0311% | 2,638 |
| Assets per employee ($millions) | 3.7117% | 4,334 |
| Cash dividends to net income (ytd only)* | 62.0767% | 1,244 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2015% | 2,704 |
| Loan loss allowance to noncurrent loans | 72.1902% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.1332% | 1,294 |
| Noncurrent loans to loans | 1.6644% | 958 |
| Net loans and leases to total assets | 67.2667% | 2,982 |
| Net loans and leases to deposits | 75.6114% | 3,376 |
| Net loans and leases to core deposits | 76.8362% | 3,674 |
| Total domestic deposits to total assets | 88.9637% | 951 |
| Equity capital to assets | 10.8885% | 2,741 |
| Core capital (leverage) ratio | 10.4219% | 3,112 |
| Tier 1 risk-based capital ratio | 12.7588% | 4,034 |
| Total risk-based capital ratio | 13.7703% | 4,070 |
| Memoranda: |
| Average total assets | $119,085,000 | 3,878 |
| Average earning assets | $109,421,330 | 3,884 |
| Average equity | $13,274,670 | 3,900 |
| Average total loans | $79,675,330 | 3,718 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4084% | 2,169 |
| Cost of funding earning assets | 0.1896% | 5,081 |
| Net interest margin | 4.2188% | 1,136 |
| Noninterest income to average assets | 0.6304% | 2,128 |
| Noninterest expense to average assets | 3.2918% | 1,363 |
| Loan and lease loss provision to assets | 0.3748% | 315 |
| Net operating income to assets | 0.7531% | 3,898 |
| Return on assets (ROA) | 0.7531% | 3,899 |
| Pretax return on assets | 0.8315% | 4,081 |
| Return on Equity (ROE) | 6.6750% | 3,918 |
| Retained earnings to average equity (ytd only) | -1.6310% | 4,977 |
| Net charge-offs to loans | 0.8482% | 171 |
| Credit loss provision to net charge-offs | 66.6667% | 1,852 |
| Earnings coverage of net charge-offs (x) | 2.1455% | 2,488 |
| Efficiency ratio | 70.3030% | 2,439 |
| Assets per employee ($millions) | 3.7098% | 4,407 |
| Cash dividends to net income (ytd only)* | 124.4344% | 419 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1801% | 2,935 |
| Loan loss allowance to noncurrent loans | 66.5465% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.1684% | 1,311 |
| Noncurrent loans to loans | 1.7733% | 958 |
| Net loans and leases to total assets | 65.1088% | 3,161 |
| Net loans and leases to deposits | 73.2528% | 3,489 |
| Net loans and leases to core deposits | 82.7573% | 3,085 |
| Total domestic deposits to total assets | 88.8823% | 1,156 |
| Equity capital to assets | 11.0680% | 2,515 |
| Core capital (leverage) ratio | 11.0171% | 2,419 |
| Tier 1 risk-based capital ratio | 14.1262% | 3,315 |
| Total risk-based capital ratio | 15.1788% | 3,335 |
| Memoranda: |
| Average total assets | $117,384,000 | 3,943 |
| Average earning assets | $107,612,500 | 3,956 |
| Average equity | $13,243,500 | 3,937 |
| Average total loans | $77,815,500 | 3,783 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3349% | 2,222 |
| Cost of funding earning assets | 0.1743% | 5,130 |
| Net interest margin | 4.1606% | 1,275 |
| Noninterest income to average assets | 0.8641% | 1,369 |
| Noninterest expense to average assets | 3.4005% | 1,194 |
| Loan and lease loss provision to assets | 0.6040% | 209 |
| Net operating income to assets | 0.6878% | 3,650 |
| Return on assets (ROA) | 0.6878% | 3,704 |
| Pretax return on assets | 0.7140% | 4,477 |
| Return on Equity (ROE) | 6.0034% | 3,759 |
| Retained earnings to average equity (ytd only) | 4.8607% | 2,214 |
| Net charge-offs to loans | 0.9798% | 188 |
| Credit loss provision to net charge-offs | 89.4057% | 2,799 |
| Earnings coverage of net charge-offs (x) | 1.9509% | 3,827 |
| Efficiency ratio | 65.6123% | 3,325 |
| Assets per employee ($millions) | 3.6268% | 4,534 |
| Cash dividends to net income (ytd only)* | 19.0355% | 3,705 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2633% | 2,408 |
| Loan loss allowance to noncurrent loans | 75.2887% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 1.1193% | 1,339 |
| Noncurrent loans to loans | 1.6779% | 978 |
| Net loans and leases to total assets | 65.8630% | 3,121 |
| Net loans and leases to deposits | 74.6713% | 3,458 |
| Net loans and leases to core deposits | 82.6929% | 3,180 |
| Total domestic deposits to total assets | 88.2040% | 1,395 |
| Equity capital to assets | 11.5013% | 2,199 |
| Core capital (leverage) ratio | 10.8748% | 2,447 |
| Tier 1 risk-based capital ratio | 14.4588% | 3,110 |
| Total risk-based capital ratio | 15.5840% | 3,086 |
| Memoranda: |
| Average total assets | $114,571,000 | 3,988 |
| Average earning assets | $106,138,600 | 3,985 |
| Average equity | $13,125,800 | 3,966 |
| Average total loans | $78,994,600 | 3,770 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2819% | 2,316 |
| Cost of funding earning assets | 0.1583% | 5,265 |
| Net interest margin | 4.1237% | 1,330 |
| Noninterest income to average assets | 0.7566% | 1,749 |
| Noninterest expense to average assets | 3.3006% | 1,345 |
| Loan and lease loss provision to assets | 0.2125% | 890 |
| Net operating income to assets | 0.7834% | 3,589 |
| Return on assets (ROA) | 0.7834% | 3,645 |
| Pretax return on assets | 1.0764% | 3,396 |
| Return on Equity (ROE) | 6.8449% | 3,750 |
| Retained earnings to average equity (ytd only) | 5.3147% | 2,670 |
| Net charge-offs to loans | 0.5156% | 398 |
| Credit loss provision to net charge-offs | 59.2834% | 2,813 |
| Earnings coverage of net charge-offs (x) | 3.5961% | 3,319 |
| Efficiency ratio | 68.1252% | 2,855 |
| Assets per employee ($millions) | 3.6100% | 4,576 |
| Cash dividends to net income (ytd only)* | 22.3554% | 3,048 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1899% | 2,990 |
| Loan loss allowance to noncurrent loans | 56.0888% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 1.4430% | 1,064 |
| Noncurrent loans to loans | 2.1215% | 776 |
| Net loans and leases to total assets | 67.2112% | 2,955 |
| Net loans and leases to deposits | 76.4933% | 3,323 |
| Net loans and leases to core deposits | 84.9765% | 3,046 |
| Total domestic deposits to total assets | 87.8654% | 1,438 |
| Equity capital to assets | 11.6845% | 2,203 |
| Core capital (leverage) ratio | 10.8241% | 2,618 |
| Tier 1 risk-based capital ratio | 14.3740% | 3,254 |
| Total risk-based capital ratio | 15.4566% | 3,250 |
| Memoranda: |
| Average total assets | $114,199,750 | 4,029 |
| Average earning assets | $106,148,750 | 4,021 |
| Average equity | $13,070,250 | 4,016 |
| Average total loans | $79,389,250 | 3,792 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2366% | 2,336 |
| Cost of funding earning assets | 0.1570% | 5,291 |
| Net interest margin | 4.0796% | 1,386 |
| Noninterest income to average assets | 0.7419% | 1,803 |
| Noninterest expense to average assets | 3.3175% | 1,339 |
| Loan and lease loss provision to assets | 0.1793% | 1,061 |
| Net operating income to assets | 0.7542% | 3,617 |
| Return on assets (ROA) | 0.7542% | 3,670 |
| Pretax return on assets | 1.0373% | 3,416 |
| Return on Equity (ROE) | 6.6369% | 3,761 |
| Retained earnings to average equity (ytd only) | 6.6369% | 1,778 |
| Net charge-offs to loans | 0.2335% | 872 |
| Credit loss provision to net charge-offs | 109.6774% | 1,895 |
| Earnings coverage of net charge-offs (x) | 7.4409% | 2,602 |
| Efficiency ratio | 69.4067% | 2,785 |
| Assets per employee ($millions) | 3.4377% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3360% | 2,248 |
| Loan loss allowance to noncurrent loans | 58.4472% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 1.6122% | 918 |
| Noncurrent loans to loans | 2.2859% | 700 |
| Net loans and leases to total assets | 69.5870% | 2,585 |
| Net loans and leases to deposits | 79.1401% | 3,008 |
| Net loans and leases to core deposits | 89.5868% | 2,564 |
| Total domestic deposits to total assets | 87.9290% | 1,491 |
| Equity capital to assets | 11.6656% | 2,178 |
| Core capital (leverage) ratio | 10.9412% | 2,468 |
| Tier 1 risk-based capital ratio | 14.1013% | 3,374 |
| Total risk-based capital ratio | 15.3278% | 3,308 |
| Memoranda: |
| Average total assets | $113,759,330 | 4,065 |
| Average earning assets | $105,745,330 | 4,053 |
| Average equity | $12,927,670 | 4,045 |
| Average total loans | $79,659,670 | 3,798 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1787% | 2,345 |
| Cost of funding earning assets | 0.1549% | 5,337 |
| Net interest margin | 4.0238% | 1,405 |
| Noninterest income to average assets | 0.5091% | 2,913 |
| Noninterest expense to average assets | 3.2972% | 1,395 |
| Loan and lease loss provision to assets | 0.0983% | 1,923 |
| Net operating income to assets | 0.6356% | 4,000 |
| Return on assets (ROA) | 0.6356% | 4,046 |
| Pretax return on assets | 0.8533% | 3,928 |
| Return on Equity (ROE) | 5.6675% | 4,054 |
| Retained earnings to average equity (ytd only) | 5.6675% | 2,509 |
| Net charge-offs to loans | 0.0554% | 1,778 |
| Credit loss provision to net charge-offs | 254.5455% | 874 |
| Earnings coverage of net charge-offs (x) | 24.6364% | 1,350 |
| Efficiency ratio | 73.8017% | 2,262 |
| Assets per employee ($millions) | 3.7250% | 4,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3550% | 2,288 |
| Loan loss allowance to noncurrent loans | 59.9332% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 1.6081% | 968 |
| Noncurrent loans to loans | 2.2608% | 738 |
| Net loans and leases to total assets | 70.1638% | 2,350 |
| Net loans and leases to deposits | 79.7032% | 2,786 |
| Net loans and leases to core deposits | 87.9043% | 2,559 |
| Total domestic deposits to total assets | 88.0313% | 1,696 |
| Equity capital to assets | 11.5293% | 2,160 |
| Core capital (leverage) ratio | 10.7292% | 2,662 |
| Tier 1 risk-based capital ratio | 13.8199% | 3,590 |
| Total risk-based capital ratio | 15.0594% | 3,507 |
| Memoranda: |
| Average total assets | $113,916,500 | 4,095 |
| Average earning assets | $105,869,500 | 4,086 |
| Average equity | $12,774,500 | 4,093 |
| Average total loans | $79,483,500 | 3,821 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5072% | 1,512 |
| Cost of funding earning assets | 0.1672% | 5,303 |
| Net interest margin | 4.3400% | 869 |
| Noninterest income to average assets | 1.3835% | 600 |
| Noninterest expense to average assets | 3.5639% | 1,058 |
| Loan and lease loss provision to assets | 0.1883% | 1,248 |
| Net operating income to assets | 1.1754% | 1,589 |
| Return on assets (ROA) | 1.1754% | 1,686 |
| Pretax return on assets | 1.6710% | 1,078 |
| Return on Equity (ROE) | 9.6804% | 2,115 |
| Retained earnings to average equity (ytd only) | 9.6804% | 466 |
| Net charge-offs to loans | 0.1661% | 1,627 |
| Credit loss provision to net charge-offs | 148.4375% | 1,848 |
| Earnings coverage of net charge-offs (x) | 14.6563% | 2,273 |
| Efficiency ratio | 64.7661% | 3,807 |
| Assets per employee ($millions) | 3.5177% | 4,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3336% | 2,368 |
| Loan loss allowance to noncurrent loans | 59.2510% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 1.5411% | 1,058 |
| Noncurrent loans to loans | 2.2508% | 751 |
| Net loans and leases to total assets | 67.5568% | 2,843 |
| Net loans and leases to deposits | 76.1164% | 3,303 |
| Net loans and leases to core deposits | 83.9007% | 3,032 |
| Total domestic deposits to total assets | 88.7546% | 1,232 |
| Equity capital to assets | 10.9103% | 2,703 |
| Core capital (leverage) ratio | 10.9661% | 2,375 |
| Tier 1 risk-based capital ratio | 12.4271% | 4,427 |
| Total risk-based capital ratio | 13.4936% | 4,420 |
| Memoranda: |
| Average total assets | $100,900,400 | 4,339 |
| Average earning assets | $93,916,000 | 4,311 |
| Average equity | $12,251,600 | 4,212 |
| Average total loans | $77,049,600 | 3,877 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6625% | 1,156 |
| Cost of funding earning assets | 0.1680% | 5,362 |
| Net interest margin | 4.4945% | 641 |
| Noninterest income to average assets | 1.3936% | 610 |
| Noninterest expense to average assets | 3.6345% | 940 |
| Loan and lease loss provision to assets | 0.1785% | 1,250 |
| Net operating income to assets | 1.2330% | 1,507 |
| Return on assets (ROA) | 1.2330% | 1,612 |
| Pretax return on assets | 1.7671% | 960 |
| Return on Equity (ROE) | 9.8557% | 2,115 |
| Retained earnings to average equity (ytd only) | 9.8557% | 600 |
| Net charge-offs to loans | 0.2076% | 1,128 |
| Credit loss provision to net charge-offs | 109.2437% | 2,233 |
| Earnings coverage of net charge-offs (x) | 11.9078% | 2,436 |
| Efficiency ratio | 64.3455% | 3,881 |
| Assets per employee ($millions) | 3.3843% | 4,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2512% | 2,948 |
| Loan loss allowance to noncurrent loans | 359.0747% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.2516% | 4,432 |
| Noncurrent loans to loans | 0.3485% | 4,002 |
| Net loans and leases to total assets | 71.3009% | 2,297 |
| Net loans and leases to deposits | 80.8067% | 2,876 |
| Net loans and leases to core deposits | 90.8864% | 2,489 |
| Total domestic deposits to total assets | 88.2363% | 1,276 |
| Equity capital to assets | 11.3088% | 2,692 |
| Core capital (leverage) ratio | 10.7977% | 2,688 |
| Tier 1 risk-based capital ratio | 10.8641% | 5,445 |
| Total risk-based capital ratio | 11.7738% | 5,529 |
| Memoranda: |
| Average total assets | $97,104,750 | 4,439 |
| Average earning assets | $90,449,750 | 4,410 |
| Average equity | $12,148,250 | 4,262 |
| Average total loans | $76,441,500 | 3,921 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7081% | 1,035 |
| Cost of funding earning assets | 0.1604% | 5,479 |
| Net interest margin | 4.5476% | 558 |
| Noninterest income to average assets | 1.2142% | 763 |
| Noninterest expense to average assets | 3.5926% | 1,018 |
| Loan and lease loss provision to assets | 0.1301% | 1,760 |
| Net operating income to assets | 1.2098% | 1,563 |
| Return on assets (ROA) | 1.2098% | 1,663 |
| Pretax return on assets | 1.7323% | 1,022 |
| Return on Equity (ROE) | 9.3096% | 2,356 |
| Retained earnings to average equity (ytd only) | 9.3096% | 769 |
| Net charge-offs to loans | 0.2319% | 1,015 |
| Credit loss provision to net charge-offs | 68.9655% | 2,487 |
| Earnings coverage of net charge-offs (x) | 9.8736% | 2,372 |
| Efficiency ratio | 65.3418% | 3,786 |
| Assets per employee ($millions) | 3.4655% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2269% | 3,206 |
| Loan loss allowance to noncurrent loans | 758.5938% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.6907% | 2,913 |
| Noncurrent loans to loans | 0.1617% | 4,795 |
| Net loans and leases to total assets | 70.4919% | 2,404 |
| Net loans and leases to deposits | 79.5903% | 2,984 |
| Net loans and leases to core deposits | 89.8477% | 2,546 |
| Total domestic deposits to total assets | 88.5685% | 1,132 |
| Equity capital to assets | 11.0627% | 2,987 |
| Core capital (leverage) ratio | 11.3045% | 2,146 |
| Tier 1 risk-based capital ratio | 10.7459% | 5,556 |
| Total risk-based capital ratio | 11.6378% | 5,643 |
| Memoranda: |
| Average total assets | $92,245,330 | 4,573 |
| Average earning assets | $86,022,670 | 4,542 |
| Average equity | $11,987,670 | 4,319 |
| Average total loans | $75,042,000 | 3,977 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8290% | 800 |
| Cost of funding earning assets | 0.1540% | 5,582 |
| Net interest margin | 4.6750% | 441 |
| Noninterest income to average assets | 1.3169% | 632 |
| Noninterest expense to average assets | 3.6179% | 994 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4520% | 938 |
| Return on assets (ROA) | 1.4520% | 981 |
| Pretax return on assets | 2.0936% | 471 |
| Return on Equity (ROE) | 10.1625% | 1,919 |
| Retained earnings to average equity (ytd only) | 10.1625% | 815 |
| Net charge-offs to loans | -0.0603% | 5,416 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3446% | 4,245 |
| Assets per employee ($millions) | 3.0703% | 5,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3866% | 2,489 |
| Loan loss allowance to noncurrent loans | 135.4362% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.8987% | 2,437 |
| Noncurrent loans to loans | 1.0238% | 2,337 |
| Net loans and leases to total assets | 86.5665% | 187 |
| Net loans and leases to deposits | 106.3520% | 325 |
| Net loans and leases to core deposits | 129.8184% | 275 |
| Total domestic deposits to total assets | 81.3962% | 4,380 |
| Equity capital to assets | 14.4734% | 841 |
| Core capital (leverage) ratio | 14.3508% | 726 |
| Tier 1 risk-based capital ratio | 12.1043% | 4,852 |
| Total risk-based capital ratio | 13.1254% | 4,901 |
| Memoranda: |
| Average total assets | $82,920,500 | 4,788 |
| Average earning assets | $77,946,000 | 4,747 |
| Average equity | $11,847,500 | 4,355 |
| Average total loans | $72,991,500 | 4,047 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7404% | 1,024 |
| Cost of funding earning assets | 0.1422% | 5,735 |
| Net interest margin | 4.5982% | 548 |
| Noninterest income to average assets | 1.4173% | 602 |
| Noninterest expense to average assets | 3.5814% | 1,167 |
| Loan and lease loss provision to assets | 0.3232% | 505 |
| Net operating income to assets | 1.3060% | 1,254 |
| Return on assets (ROA) | 1.3060% | 1,303 |
| Pretax return on assets | 1.8567% | 714 |
| Return on Equity (ROE) | 9.6801% | 2,144 |
| Retained earnings to average equity (ytd only) | 9.6801% | 509 |
| Net charge-offs to loans | 0.0292% | 3,636 |
| Credit loss provision to net charge-offs | 1,335.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 90.0500% | 633 |
| Efficiency ratio | 62.1639% | 4,580 |
| Assets per employee ($millions) | 3.0720% | 5,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3631% | 2,596 |
| Loan loss allowance to noncurrent loans | 150.5279% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.7993% | 2,675 |
| Noncurrent loans to loans | 0.9056% | 2,526 |
| Net loans and leases to total assets | 87.0648% | 165 |
| Net loans and leases to deposits | 110.1124% | 237 |
| Net loans and leases to core deposits | 128.1135% | 300 |
| Total domestic deposits to total assets | 79.0690% | 4,963 |
| Equity capital to assets | 14.1023% | 898 |
| Core capital (leverage) ratio | 13.6090% | 934 |
| Tier 1 risk-based capital ratio | 11.7129% | 5,125 |
| Total risk-based capital ratio | 12.7154% | 5,180 |
| Memoranda: |
| Average total assets | $82,621,200 | 4,815 |
| Average earning assets | $78,052,000 | 4,761 |
| Average equity | $11,146,600 | 4,446 |
| Average total loans | $68,595,200 | 4,131 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6507% | 1,208 |
| Cost of funding earning assets | 0.1383% | 5,864 |
| Net interest margin | 4.5123% | 634 |
| Noninterest income to average assets | 1.1727% | 875 |
| Noninterest expense to average assets | 3.4584% | 1,364 |
| Loan and lease loss provision to assets | 0.1567% | 1,382 |
| Net operating income to assets | 1.2810% | 1,390 |
| Return on assets (ROA) | 1.2810% | 1,446 |
| Pretax return on assets | 1.8253% | 849 |
| Return on Equity (ROE) | 9.6041% | 2,264 |
| Retained earnings to average equity (ytd only) | 9.6041% | 712 |
| Net charge-offs to loans | 0.0040% | 4,045 |
| Credit loss provision to net charge-offs | 4,850.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 612.7191% | 120 |
| Efficiency ratio | 63.5689% | 4,323 |
| Assets per employee ($millions) | 3.4520% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1621% | 3,860 |
| Loan loss allowance to noncurrent loans | 126.8366% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.7729% | 2,961 |
| Noncurrent loans to loans | 0.9162% | 2,689 |
| Net loans and leases to total assets | 83.3766% | 435 |
| Net loans and leases to deposits | 100.7040% | 629 |
| Net loans and leases to core deposits | 118.4779% | 515 |
| Total domestic deposits to total assets | 82.7937% | 3,882 |
| Equity capital to assets | 13.2155% | 1,342 |
| Core capital (leverage) ratio | 13.4272% | 1,045 |
| Tier 1 risk-based capital ratio | 11.7603% | 5,231 |
| Total risk-based capital ratio | 12.6352% | 5,347 |
| Memoranda: |
| Average total assets | $82,540,500 | 4,876 |
| Average earning assets | $78,066,000 | 4,816 |
| Average equity | $11,009,000 | 4,529 |
| Average total loans | $67,440,750 | 4,191 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5388% | 1,427 |
| Cost of funding earning assets | 0.1355% | 5,947 |
| Net interest margin | 4.4033% | 757 |
| Noninterest income to average assets | 1.2400% | 790 |
| Noninterest expense to average assets | 3.4593% | 1,365 |
| Loan and lease loss provision to assets | 0.1599% | 1,326 |
| Net operating income to assets | 1.2523% | 1,456 |
| Return on assets (ROA) | 1.2523% | 1,515 |
| Pretax return on assets | 1.7789% | 927 |
| Return on Equity (ROE) | 9.3592% | 2,359 |
| Retained earnings to average equity (ytd only) | 9.3592% | 814 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0839% | 4,349 |
| Assets per employee ($millions) | 3.2466% | 5,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1863% | 3,872 |
| Loan loss allowance to noncurrent loans | 122.3388% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.7902% | 3,015 |
| Noncurrent loans to loans | 0.9697% | 2,709 |
| Net loans and leases to total assets | 80.5229% | 734 |
| Net loans and leases to deposits | 97.1556% | 864 |
| Net loans and leases to core deposits | 115.5576% | 607 |
| Total domestic deposits to total assets | 82.8804% | 3,993 |
| Equity capital to assets | 13.1581% | 1,321 |
| Core capital (leverage) ratio | 13.4619% | 996 |
| Tier 1 risk-based capital ratio | 12.0924% | 5,081 |
| Total risk-based capital ratio | 12.9822% | 5,236 |
| Memoranda: |
| Average total assets | $81,287,330 | 4,947 |
| Average earning assets | $76,760,670 | 4,896 |
| Average equity | $10,877,000 | 4,587 |
| Average total loans | $65,654,330 | 4,286 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5057% | 1,441 |
| Cost of funding earning assets | 0.1380% | 6,010 |
| Net interest margin | 4.3677% | 781 |
| Noninterest income to average assets | 1.4249% | 578 |
| Noninterest expense to average assets | 3.5422% | 1,225 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4048% | 1,023 |
| Return on assets (ROA) | 1.4048% | 1,077 |
| Pretax return on assets | 2.0119% | 574 |
| Return on Equity (ROE) | 10.4070% | 1,827 |
| Retained earnings to average equity (ytd only) | 10.4070% | 826 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7760% | 4,513 |
| Assets per employee ($millions) | 2.9710% | 5,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1455% | 4,286 |
| Loan loss allowance to noncurrent loans | 112.5937% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.8315% | 3,009 |
| Noncurrent loans to loans | 1.0174% | 2,728 |
| Net loans and leases to total assets | 80.7936% | 591 |
| Net loans and leases to deposits | 98.1836% | 668 |
| Net loans and leases to core deposits | 114.2890% | 572 |
| Total domestic deposits to total assets | 82.2883% | 4,418 |
| Equity capital to assets | 13.6067% | 1,127 |
| Core capital (leverage) ratio | 13.6606% | 916 |
| Tier 1 risk-based capital ratio | 12.5085% | 4,898 |
| Total risk-based capital ratio | 13.3736% | 5,071 |
| Memoranda: |
| Average total assets | $79,725,000 | 5,029 |
| Average earning assets | $75,372,000 | 4,981 |
| Average equity | $10,762,000 | 4,651 |
| Average total loans | $64,088,000 | 4,362 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3986% | 2,228 |
| Cost of funding earning assets | 0.2493% | 5,327 |
| Net interest margin | 4.1493% | 1,435 |
| Noninterest income to average assets | 1.2936% | 728 |
| Noninterest expense to average assets | 3.7474% | 1,069 |
| Loan and lease loss provision to assets | 0.1112% | 2,310 |
| Net operating income to assets | 0.9365% | 2,691 |
| Return on assets (ROA) | 0.9365% | 2,784 |
| Pretax return on assets | 1.2662% | 2,365 |
| Return on Equity (ROE) | 8.4522% | 2,877 |
| Retained earnings to average equity (ytd only) | 6.8585% | 1,469 |
| Net charge-offs to loans | -0.0870% | 6,080 |
| Credit loss provision to net charge-offs | -180.8511% | 5,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1240% | 3,002 |
| Assets per employee ($millions) | 3.0474% | 5,638 |
| Cash dividends to net income (ytd only)* | 18.8547% | 3,860 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1994% | 4,002 |
| Loan loss allowance to noncurrent loans | 109.1570% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.8683% | 3,041 |
| Noncurrent loans to loans | 1.0988% | 2,635 |
| Net loans and leases to total assets | 78.0783% | 987 |
| Net loans and leases to deposits | 95.0729% | 985 |
| Net loans and leases to core deposits | 109.4610% | 802 |
| Total domestic deposits to total assets | 82.1246% | 4,372 |
| Equity capital to assets | 13.3898% | 1,201 |
| Core capital (leverage) ratio | 13.5014% | 967 |
| Tier 1 risk-based capital ratio | 13.7513% | 4,267 |
| Total risk-based capital ratio | 14.7329% | 4,362 |
| Memoranda: |
| Average total assets | $76,452,200 | 5,142 |
| Average earning assets | $70,590,200 | 5,108 |
| Average equity | $8,471,200 | 5,091 |
| Average total loans | $54,048,800 | 4,692 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3040% | 2,615 |
| Cost of funding earning assets | 0.2820% | 5,076 |
| Net interest margin | 4.0220% | 1,816 |
| Noninterest income to average assets | 1.0507% | 1,111 |
| Noninterest expense to average assets | 3.7505% | 1,036 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7445% | 3,699 |
| Return on assets (ROA) | 0.7445% | 3,797 |
| Pretax return on assets | 0.9909% | 3,629 |
| Return on Equity (ROE) | 7.1061% | 3,656 |
| Retained earnings to average equity (ytd only) | 4.8381% | 3,191 |
| Net charge-offs to loans | -0.0565% | 5,957 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1017% | 2,040 |
| Assets per employee ($millions) | 2.9470% | 5,787 |
| Cash dividends to net income (ytd only)* | 31.9155% | 2,712 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1156% | 4,680 |
| Loan loss allowance to noncurrent loans | 93.1686% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 2.6493% | 967 |
| Noncurrent loans to loans | 1.1974% | 2,654 |
| Net loans and leases to total assets | 74.1527% | 1,503 |
| Net loans and leases to deposits | 86.2460% | 1,880 |
| Net loans and leases to core deposits | 106.2853% | 942 |
| Total domestic deposits to total assets | 85.9781% | 2,853 |
| Equity capital to assets | 13.4646% | 1,198 |
| Core capital (leverage) ratio | 13.0780% | 1,145 |
| Tier 1 risk-based capital ratio | 14.3175% | 4,016 |
| Total risk-based capital ratio | 15.2138% | 4,182 |
| Memoranda: |
| Average total assets | $75,757,250 | 5,214 |
| Average earning assets | $69,515,250 | 5,186 |
| Average equity | $7,936,750 | 5,254 |
| Average total loans | $51,907,500 | 4,800 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1956% | 2,968 |
| Cost of funding earning assets | 0.3036% | 4,937 |
| Net interest margin | 3.8920% | 2,205 |
| Noninterest income to average assets | 1.0759% | 1,029 |
| Noninterest expense to average assets | 3.7817% | 993 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6678% | 4,005 |
| Return on assets (ROA) | 0.6678% | 4,104 |
| Pretax return on assets | 0.8613% | 4,035 |
| Return on Equity (ROE) | 7.0555% | 3,599 |
| Retained earnings to average equity (ytd only) | 3.2758% | 4,121 |
| Net charge-offs to loans | -0.0839% | 6,088 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4498% | 1,810 |
| Assets per employee ($millions) | 2.9021% | 5,884 |
| Cash dividends to net income (ytd only)* | 53.5714% | 1,774 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2163% | 4,352 |
| Loan loss allowance to noncurrent loans | 62.0155% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 1.8594% | 1,752 |
| Noncurrent loans to loans | 1.9613% | 1,725 |
| Net loans and leases to total assets | 66.3353% | 2,704 |
| Net loans and leases to deposits | 74.9701% | 3,197 |
| Net loans and leases to core deposits | 92.1238% | 1,931 |
| Total domestic deposits to total assets | 88.4824% | 1,648 |
| Equity capital to assets | 11.0340% | 2,838 |
| Core capital (leverage) ratio | 10.9881% | 2,440 |
| Tier 1 risk-based capital ratio | 12.8948% | 4,979 |
| Total risk-based capital ratio | 13.8597% | 5,083 |
| Memoranda: |
| Average total assets | $75,468,670 | 5,261 |
| Average earning assets | $69,168,000 | 5,235 |
| Average equity | $7,143,330 | 5,454 |
| Average total loans | $50,057,000 | 4,893 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1208% | 3,202 |
| Cost of funding earning assets | 0.3211% | 4,849 |
| Net interest margin | 3.7997% | 2,471 |
| Noninterest income to average assets | 0.8646% | 1,504 |
| Noninterest expense to average assets | 3.8096% | 968 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4377% | 4,986 |
| Return on assets (ROA) | 0.4377% | 5,044 |
| Pretax return on assets | 0.5079% | 5,146 |
| Return on Equity (ROE) | 5.0688% | 4,518 |
| Retained earnings to average equity (ytd only) | -3.3792% | 6,004 |
| Net charge-offs to loans | -0.0082% | 4,971 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2353% | 1,204 |
| Assets per employee ($millions) | 2.7836% | 6,119 |
| Cash dividends to net income (ytd only)* | 166.6667% | 333 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2711% | 4,273 |
| Loan loss allowance to noncurrent loans | 60.4878% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 1.9293% | 1,783 |
| Noncurrent loans to loans | 2.1014% | 1,752 |
| Net loans and leases to total assets | 64.0747% | 2,876 |
| Net loans and leases to deposits | 70.3069% | 3,560 |
| Net loans and leases to core deposits | 84.4146% | 2,470 |
| Total domestic deposits to total assets | 91.1358% | 514 |
| Equity capital to assets | 8.4810% | 5,672 |
| Core capital (leverage) ratio | 8.5041% | 5,635 |
| Tier 1 risk-based capital ratio | 10.0560% | 6,463 |
| Total risk-based capital ratio | 11.0458% | 6,493 |
| Memoranda: |
| Average total assets | $74,024,000 | 5,339 |
| Average earning assets | $67,269,000 | 5,342 |
| Average equity | $6,392,000 | 5,666 |
| Average total loans | $48,776,000 | 4,976 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0256% | 4,000 |
| Cost of funding earning assets | 0.4242% | 4,386 |
| Net interest margin | 3.6013% | 3,463 |
| Noninterest income to average assets | 1.6285% | 538 |
| Noninterest expense to average assets | 3.9229% | 954 |
| Loan and lease loss provision to assets | 0.1809% | 2,036 |
| Net operating income to assets | 0.6529% | 4,017 |
| Return on assets (ROA) | 0.6529% | 4,119 |
| Pretax return on assets | 0.8425% | 3,988 |
| Return on Equity (ROE) | 7.0830% | 3,523 |
| Retained earnings to average equity (ytd only) | -4.9000% | 6,362 |
| Net charge-offs to loans | 0.3551% | 1,903 |
| Credit loss provision to net charge-offs | 81.1688% | 3,017 |
| Earnings coverage of net charge-offs (x) | 4.5909% | 3,525 |
| Efficiency ratio | 79.3093% | 2,266 |
| Assets per employee ($millions) | 2.6033% | 6,313 |
| Cash dividends to net income (ytd only)* | 169.1796% | 125 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2691% | 4,300 |
| Loan loss allowance to noncurrent loans | 44.1827% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 1.9220% | 1,882 |
| Noncurrent loans to loans | 2.8723% | 1,227 |
| Net loans and leases to total assets | 66.0662% | 2,681 |
| Net loans and leases to deposits | 72.9530% | 3,403 |
| Net loans and leases to core deposits | 85.9931% | 2,448 |
| Total domestic deposits to total assets | 90.5600% | 779 |
| Equity capital to assets | 8.7938% | 5,265 |
| Core capital (leverage) ratio | 8.7403% | 5,372 |
| Tier 1 risk-based capital ratio | 10.3470% | 6,414 |
| Total risk-based capital ratio | 11.3555% | 6,449 |
| Memoranda: |
| Average total assets | $69,081,000 | 5,504 |
| Average earning assets | $63,643,400 | 5,481 |
| Average equity | $6,367,400 | 5,725 |
| Average total loans | $43,370,600 | 5,222 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9902% | 4,166 |
| Cost of funding earning assets | 0.4389% | 4,397 |
| Net interest margin | 3.5514% | 3,652 |
| Noninterest income to average assets | 1.1586% | 1,091 |
| Noninterest expense to average assets | 3.9239% | 935 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4403% | 5,072 |
| Return on assets (ROA) | 0.4403% | 5,214 |
| Pretax return on assets | 0.5127% | 5,315 |
| Return on Equity (ROE) | 4.7192% | 4,865 |
| Retained earnings to average equity (ytd only) | -11.2844% | 6,663 |
| Net charge-offs to loans | -0.0095% | 5,880 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4429% | 1,124 |
| Assets per employee ($millions) | 2.5907% | 6,390 |
| Cash dividends to net income (ytd only)* | 339.1146% | 25 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4515% | 3,681 |
| Loan loss allowance to noncurrent loans | 51.3002% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 1.7494% | 2,343 |
| Noncurrent loans to loans | 2.8294% | 1,469 |
| Net loans and leases to total assets | 60.9319% | 3,536 |
| Net loans and leases to deposits | 66.9768% | 4,186 |
| Net loans and leases to core deposits | 81.7943% | 2,891 |
| Total domestic deposits to total assets | 90.9746% | 545 |
| Equity capital to assets | 8.5208% | 5,717 |
| Core capital (leverage) ratio | 8.6846% | 5,560 |
| Tier 1 risk-based capital ratio | 10.9715% | 6,298 |
| Total risk-based capital ratio | 12.1332% | 6,297 |
| Memoranda: |
| Average total assets | $68,128,250 | 5,593 |
| Average earning assets | $62,885,250 | 5,568 |
| Average equity | $6,356,750 | 5,793 |
| Average total loans | $42,019,250 | 5,312 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9574% | 4,272 |
| Cost of funding earning assets | 0.4560% | 4,360 |
| Net interest margin | 3.5014% | 3,779 |
| Noninterest income to average assets | 1.4252% | 778 |
| Noninterest expense to average assets | 3.9875% | 878 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5341% | 4,648 |
| Return on assets (ROA) | 0.5341% | 4,812 |
| Pretax return on assets | 0.6631% | 4,807 |
| Return on Equity (ROE) | 5.5492% | 4,426 |
| Retained earnings to average equity (ytd only) | -14.0289% | 6,742 |
| Net charge-offs to loans | -0.0049% | 5,631 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7419% | 1,440 |
| Assets per employee ($millions) | 2.5793% | 6,416 |
| Cash dividends to net income (ytd only)* | 352.8090% | 31 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5692% | 3,278 |
| Loan loss allowance to noncurrent loans | 50.8621% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 1.8323% | 2,367 |
| Noncurrent loans to loans | 3.0853% | 1,434 |
| Net loans and leases to total assets | 58.4555% | 3,915 |
| Net loans and leases to deposits | 64.6739% | 4,413 |
| Net loans and leases to core deposits | 73.8673% | 3,833 |
| Total domestic deposits to total assets | 90.3850% | 815 |
| Equity capital to assets | 9.0220% | 5,194 |
| Core capital (leverage) ratio | 9.0558% | 4,903 |
| Tier 1 risk-based capital ratio | 12.1141% | 5,729 |
| Total risk-based capital ratio | 13.3657% | 5,670 |
| Memoranda: |
| Average total assets | $66,657,670 | 5,665 |
| Average earning assets | $61,404,000 | 5,654 |
| Average equity | $6,415,330 | 5,825 |
| Average total loans | $41,075,330 | 5,372 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9861% | 4,177 |
| Cost of funding earning assets | 0.4757% | 4,322 |
| Net interest margin | 3.5104% | 3,655 |
| Noninterest income to average assets | 1.4302% | 745 |
| Noninterest expense to average assets | 4.0635% | 825 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4849% | 4,752 |
| Return on assets (ROA) | 0.4849% | 4,907 |
| Pretax return on assets | 0.5831% | 5,014 |
| Return on Equity (ROE) | 4.8754% | 4,647 |
| Retained earnings to average equity (ytd only) | -33.8810% | 6,913 |
| Net charge-offs to loans | -0.0098% | 5,430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4505% | 1,381 |
| Assets per employee ($millions) | 2.4832% | 6,600 |
| Cash dividends to net income (ytd only)* | 794.9367% | 9 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6324% | 3,265 |
| Loan loss allowance to noncurrent loans | 94.1945% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.1834% | 3,592 |
| Noncurrent loans to loans | 1.7330% | 2,952 |
| Net loans and leases to total assets | 60.5743% | 3,332 |
| Net loans and leases to deposits | 67.4276% | 3,846 |
| Net loans and leases to core deposits | 74.2609% | 3,546 |
| Total domestic deposits to total assets | 89.8361% | 1,144 |
| Equity capital to assets | 9.6094% | 4,697 |
| Core capital (leverage) ratio | 9.3226% | 4,360 |
| Tier 1 risk-based capital ratio | 12.5575% | 5,551 |
| Total risk-based capital ratio | 13.8108% | 5,489 |
| Memoranda: |
| Average total assets | $65,166,000 | 5,772 |
| Average earning assets | $59,707,500 | 5,754 |
| Average equity | $6,481,500 | 5,870 |
| Average total loans | $40,934,000 | 5,421 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6928% | 2,630 |
| Cost of funding earning assets | 0.5361% | 4,944 |
| Net interest margin | 4.1567% | 1,791 |
| Noninterest income to average assets | 2.9450% | 264 |
| Noninterest expense to average assets | 4.2478% | 720 |
| Loan and lease loss provision to assets | 0.1153% | 4,188 |
| Net operating income to assets | 1.6502% | 685 |
| Return on assets (ROA) | 1.6502% | 763 |
| Pretax return on assets | 2.3529% | 308 |
| Return on Equity (ROE) | 16.6688% | 574 |
| Retained earnings to average equity (ytd only) | 15.7117% | 133 |
| Net charge-offs to loans | 0.4242% | 2,540 |
| Credit loss provision to net charge-offs | 45.3416% | 4,805 |
| Earnings coverage of net charge-offs (x) | 9.7081% | 2,236 |
| Efficiency ratio | 63.2495% | 5,028 |
| Assets per employee ($millions) | 2.4359% | 6,672 |
| Cash dividends to net income (ytd only)* | 5.7416% | 4,185 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5388% | 3,576 |
| Loan loss allowance to noncurrent loans | 93.5065% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.2012% | 3,656 |
| Noncurrent loans to loans | 1.6457% | 3,153 |
| Net loans and leases to total assets | 63.0424% | 3,048 |
| Net loans and leases to deposits | 70.8612% | 3,582 |
| Net loans and leases to core deposits | 77.7874% | 3,290 |
| Total domestic deposits to total assets | 88.9661% | 1,584 |
| Equity capital to assets | 10.2767% | 3,791 |
| Core capital (leverage) ratio | 10.0658% | 3,316 |
| Tier 1 risk-based capital ratio | 13.6277% | 4,654 |
| Total risk-based capital ratio | 14.8806% | 4,600 |
| Memoranda: |
| Average total assets | $63,327,000 | 5,845 |
| Average earning assets | $57,449,600 | 5,827 |
| Average equity | $6,269,200 | 5,946 |
| Average total loans | $37,950,200 | 5,591 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7762% | 2,472 |
| Cost of funding earning assets | 0.5469% | 5,110 |
| Net interest margin | 4.2294% | 1,644 |
| Noninterest income to average assets | 2.4384% | 321 |
| Noninterest expense to average assets | 4.1647% | 762 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4860% | 1,044 |
| Return on assets (ROA) | 1.4860% | 1,159 |
| Pretax return on assets | 2.1047% | 568 |
| Return on Equity (ROE) | 15.1622% | 873 |
| Retained earnings to average equity (ytd only) | 14.7283% | 251 |
| Net charge-offs to loans | 0.3179% | 2,854 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 11.2501% | 2,091 |
| Efficiency ratio | 66.4293% | 4,371 |
| Assets per employee ($millions) | 2.4976% | 6,694 |
| Cash dividends to net income (ytd only)* | 2.8616% | 3,662 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7063% | 3,129 |
| Loan loss allowance to noncurrent loans | 1,620.0000% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 6,260 |
| Noncurrent loans to loans | 0.1053% | 6,355 |
| Net loans and leases to total assets | 57.4865% | 4,207 |
| Net loans and leases to deposits | 64.5703% | 4,650 |
| Net loans and leases to core deposits | 72.8959% | 4,136 |
| Total domestic deposits to total assets | 89.0294% | 1,411 |
| Equity capital to assets | 9.9512% | 4,567 |
| Core capital (leverage) ratio | 9.7294% | 3,905 |
| Tier 1 risk-based capital ratio | 14.1719% | 4,397 |
| Total risk-based capital ratio | 15.4267% | 4,360 |
| Memoranda: |
| Average total assets | $62,716,250 | 5,926 |
| Average earning assets | $56,808,000 | 5,912 |
| Average equity | $6,146,750 | 6,053 |
| Average total loans | $36,910,000 | 5,711 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8990% | 2,116 |
| Cost of funding earning assets | 0.5539% | 5,280 |
| Net interest margin | 4.3451% | 1,352 |
| Noninterest income to average assets | 2.2234% | 345 |
| Noninterest expense to average assets | 3.9467% | 1,009 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5587% | 901 |
| Return on assets (ROA) | 1.5587% | 1,005 |
| Pretax return on assets | 2.2009% | 483 |
| Return on Equity (ROE) | 15.9890% | 771 |
| Retained earnings to average equity (ytd only) | 15.9890% | 225 |
| Net charge-offs to loans | 0.3666% | 2,549 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 10.1791% | 2,086 |
| Efficiency ratio | 64.1995% | 4,865 |
| Assets per employee ($millions) | 2.5964% | 6,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8911% | 2,587 |
| Loan loss allowance to noncurrent loans | 1,631.7073% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 6,346 |
| Noncurrent loans to loans | 0.1159% | 6,370 |
| Net loans and leases to total assets | 53.4701% | 4,883 |
| Net loans and leases to deposits | 59.6839% | 5,266 |
| Net loans and leases to core deposits | 68.3457% | 4,749 |
| Total domestic deposits to total assets | 89.5888% | 1,167 |
| Equity capital to assets | 9.6594% | 4,811 |
| Core capital (leverage) ratio | 9.6763% | 3,877 |
| Tier 1 risk-based capital ratio | 14.6993% | 3,968 |
| Total risk-based capital ratio | 15.9564% | 3,920 |
| Memoranda: |
| Average total assets | $61,976,000 | 5,980 |
| Average earning assets | $55,971,000 | 5,968 |
| Average equity | $6,041,670 | 6,108 |
| Average total loans | $36,554,000 | 5,756 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1911% | 1,337 |
| Cost of funding earning assets | 0.5760% | 5,308 |
| Net interest margin | 4.6151% | 804 |
| Noninterest income to average assets | 2.2212% | 347 |
| Noninterest expense to average assets | 3.8143% | 1,196 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7849% | 613 |
| Return on assets (ROA) | 1.7849% | 688 |
| Pretax return on assets | 2.5385% | 318 |
| Return on Equity (ROE) | 18.2202% | 524 |
| Retained earnings to average equity (ytd only) | 18.2202% | 242 |
| Net charge-offs to loans | 1.0339% | 1,006 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,694 |
| Efficiency ratio | 60.0416% | 5,602 |
| Assets per employee ($millions) | 2.6087% | 6,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7508% | 3,159 |
| Loan loss allowance to noncurrent loans | 1,422.2222% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 6,405 |
| Noncurrent loans to loans | 0.1231% | 6,440 |
| Net loans and leases to total assets | 57.3624% | 4,153 |
| Net loans and leases to deposits | 63.8664% | 4,657 |
| Net loans and leases to core deposits | 68.5552% | 4,619 |
| Total domestic deposits to total assets | 89.8162% | 1,179 |
| Equity capital to assets | 9.6823% | 4,546 |
| Core capital (leverage) ratio | 9.7996% | 3,643 |
| Tier 1 risk-based capital ratio | 14.5059% | 4,102 |
| Total risk-based capital ratio | 15.7620% | 4,056 |
| Memoranda: |
| Average total assets | $60,508,500 | 6,047 |
| Average earning assets | $54,170,000 | 6,060 |
| Average equity | $5,927,500 | 6,164 |
| Average total loans | $37,142,500 | 5,771 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0646% | 2,583 |
| Cost of funding earning assets | 0.7151% | 5,434 |
| Net interest margin | 4.3495% | 1,541 |
| Noninterest income to average assets | 1.4955% | 583 |
| Noninterest expense to average assets | 3.9031% | 1,175 |
| Loan and lease loss provision to assets | -0.2805% | 7,314 |
| Net operating income to assets | 1.2775% | 1,298 |
| Return on assets (ROA) | 1.2775% | 1,402 |
| Pretax return on assets | 1.7824% | 836 |
| Return on Equity (ROE) | 13.8816% | 962 |
| Retained earnings to average equity (ytd only) | 3.9886% | 3,355 |
| Net charge-offs to loans | -0.1762% | 7,201 |
| Credit loss provision to net charge-offs | 253.6232% | 952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2123% | 3,530 |
| Assets per employee ($millions) | 2.4337% | 6,888 |
| Cash dividends to net income (ytd only)* | 71.2673% | 1,090 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9507% | 2,418 |
| Loan loss allowance to noncurrent loans | 112.5382% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 1.1197% | 4,366 |
| Noncurrent loans to loans | 1.7333% | 3,568 |
| Net loans and leases to total assets | 63.3389% | 3,325 |
| Net loans and leases to deposits | 70.6551% | 3,997 |
| Net loans and leases to core deposits | 75.7830% | 4,012 |
| Total domestic deposits to total assets | 89.6453% | 1,179 |
| Equity capital to assets | 9.9182% | 4,276 |
| Core capital (leverage) ratio | 9.4318% | 4,141 |
| Tier 1 risk-based capital ratio | 13.6165% | 4,611 |
| Total risk-based capital ratio | 14.8751% | 4,570 |
| Memoranda: |
| Average total assets | $62,386,600 | 5,974 |
| Average earning assets | $56,075,600 | 5,978 |
| Average equity | $5,741,400 | 6,220 |
| Average total loans | $39,154,000 | 5,736 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0504% | 2,839 |
| Cost of funding earning assets | 0.7446% | 5,495 |
| Net interest margin | 4.3058% | 1,692 |
| Noninterest income to average assets | 0.9487% | 1,488 |
| Noninterest expense to average assets | 3.7529% | 1,392 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8036% | 3,139 |
| Return on assets (ROA) | 0.8036% | 3,308 |
| Pretax return on assets | 1.0644% | 3,151 |
| Return on Equity (ROE) | 8.8910% | 2,650 |
| Retained earnings to average equity (ytd only) | 8.8910% | 1,185 |
| Net charge-offs to loans | -0.1957% | 7,259 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9039% | 2,560 |
| Assets per employee ($millions) | 2.4490% | 6,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4809% | 1,423 |
| Loan loss allowance to noncurrent loans | 275.2294% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5341% | 5,758 |
| Noncurrent loans to loans | 0.9014% | 5,062 |
| Net loans and leases to total assets | 57.7820% | 4,546 |
| Net loans and leases to deposits | 64.4730% | 5,107 |
| Net loans and leases to core deposits | 69.1876% | 5,043 |
| Total domestic deposits to total assets | 89.6219% | 1,081 |
| Equity capital to assets | 9.7297% | 4,732 |
| Core capital (leverage) ratio | 9.4029% | 4,302 |
| Tier 1 risk-based capital ratio | 14.7409% | 3,811 |
| Total risk-based capital ratio | 16.0056% | 3,778 |
| Memoranda: |
| Average total assets | $63,381,250 | 5,984 |
| Average earning assets | $56,944,500 | 6,003 |
| Average equity | $5,728,500 | 6,270 |
| Average total loans | $39,509,750 | 5,766 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1335% | 2,534 |
| Cost of funding earning assets | 0.7850% | 5,477 |
| Net interest margin | 4.3485% | 1,516 |
| Noninterest income to average assets | 0.6739% | 2,688 |
| Noninterest expense to average assets | 3.5725% | 1,805 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7301% | 3,385 |
| Return on assets (ROA) | 0.7301% | 3,502 |
| Pretax return on assets | 1.0078% | 3,212 |
| Return on Equity (ROE) | 8.2798% | 2,817 |
| Retained earnings to average equity (ytd only) | 8.2798% | 1,349 |
| Net charge-offs to loans | -0.2513% | 7,325 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9973% | 2,711 |
| Assets per employee ($millions) | 2.5832% | 6,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4404% | 1,534 |
| Loan loss allowance to noncurrent loans | 334.4569% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.4134% | 6,116 |
| Noncurrent loans to loans | 0.7296% | 5,453 |
| Net loans and leases to total assets | 55.2811% | 5,106 |
| Net loans and leases to deposits | 61.1312% | 5,603 |
| Net loans and leases to core deposits | 63.6216% | 5,766 |
| Total domestic deposits to total assets | 90.4303% | 746 |
| Equity capital to assets | 9.0014% | 5,579 |
| Core capital (leverage) ratio | 8.7623% | 5,110 |
| Tier 1 risk-based capital ratio | 14.5570% | 3,750 |
| Total risk-based capital ratio | 15.8231% | 3,715 |
| Memoranda: |
| Average total assets | $64,100,000 | 6,011 |
| Average earning assets | $57,583,000 | 6,036 |
| Average equity | $5,652,330 | 6,334 |
| Average total loans | $40,587,330 | 5,775 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0921% | 2,677 |
| Cost of funding earning assets | 0.8195% | 5,467 |
| Net interest margin | 4.2726% | 1,658 |
| Noninterest income to average assets | 0.7203% | 2,448 |
| Noninterest expense to average assets | 4.1779% | 837 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3633% | 5,109 |
| Return on assets (ROA) | 0.3633% | 5,193 |
| Pretax return on assets | 0.3633% | 5,460 |
| Return on Equity (ROE) | 4.1637% | 4,823 |
| Retained earnings to average equity (ytd only) | 4.1637% | 3,675 |
| Net charge-offs to loans | -0.5072% | 7,412 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0000% | 1,166 |
| Assets per employee ($millions) | 2.6640% | 6,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0806% | 2,222 |
| Loan loss allowance to noncurrent loans | 30.0671% | 6,296 |
| Noncurrent assets plus other real estate owned to assets | 4.9759% | 1,267 |
| Noncurrent loans to loans | 6.9199% | 810 |
| Net loans and leases to total assets | 63.3144% | 3,583 |
| Net loans and leases to deposits | 69.7165% | 4,391 |
| Net loans and leases to core deposits | 76.8479% | 4,183 |
| Total domestic deposits to total assets | 90.8170% | 713 |
| Equity capital to assets | 8.4083% | 6,037 |
| Core capital (leverage) ratio | 8.8111% | 4,908 |
| Tier 1 risk-based capital ratio | 11.9953% | 5,694 |
| Total risk-based capital ratio | 13.2566% | 5,673 |
| Memoranda: |
| Average total assets | $63,860,500 | 6,064 |
| Average earning assets | $57,108,500 | 6,099 |
| Average equity | $5,572,000 | 6,376 |
| Average total loans | $42,584,500 | 5,724 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9057% | 1,031 |
| Cost of funding earning assets | 0.9908% | 5,735 |
| Net interest margin | 4.9149% | 526 |
| Noninterest income to average assets | 1.3482% | 808 |
| Noninterest expense to average assets | 4.7609% | 521 |
| Loan and lease loss provision to assets | 3.4437% | 235 |
| Net operating income to assets | -1.5462% | 6,921 |
| Return on assets (ROA) | -1.5462% | 6,946 |
| Pretax return on assets | -2.5087% | 7,166 |
| Return on Equity (ROE) | -15.3646% | 6,928 |
| Retained earnings to average equity (ytd only) | -15.3646% | 6,893 |
| Net charge-offs to loans | 4.2342% | 274 |
| Credit loss provision to net charge-offs | 111.5449% | 3,931 |
| Earnings coverage of net charge-offs (x) | 0.3028% | 5,806 |
| Efficiency ratio | 83.5852% | 1,969 |
| Assets per employee ($millions) | 2.5467% | 6,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9998% | 2,308 |
| Loan loss allowance to noncurrent loans | 39.2907% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 3.5062% | 1,975 |
| Noncurrent loans to loans | 5.0897% | 1,313 |
| Net loans and leases to total assets | 67.5115% | 3,101 |
| Net loans and leases to deposits | 74.5924% | 4,099 |
| Net loans and leases to core deposits | 78.0713% | 4,456 |
| Total domestic deposits to total assets | 90.5072% | 829 |
| Equity capital to assets | 9.0707% | 5,046 |
| Core capital (leverage) ratio | 9.1189% | 4,318 |
| Tier 1 risk-based capital ratio | 12.7756% | 4,792 |
| Total risk-based capital ratio | 14.0356% | 4,748 |
| Memoranda: |
| Average total assets | $58,077,000 | 6,273 |
| Average earning assets | $51,374,400 | 6,313 |
| Average equity | $5,844,600 | 6,414 |
| Average total loans | $42,345,400 | 5,817 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8975% | 1,136 |
| Cost of funding earning assets | 0.9988% | 5,940 |
| Net interest margin | 4.8988% | 555 |
| Noninterest income to average assets | 1.3073% | 807 |
| Noninterest expense to average assets | 4.8269% | 436 |
| Loan and lease loss provision to assets | 4.7688% | 105 |
| Net operating income to assets | -2.5286% | 7,356 |
| Return on assets (ROA) | -2.5286% | 7,367 |
| Pretax return on assets | -3.9755% | 7,561 |
| Return on Equity (ROE) | -24.4825% | 7,309 |
| Retained earnings to average equity (ytd only) | -24.4825% | 7,297 |
| Net charge-offs to loans | 5.9582% | 104 |
| Credit loss provision to net charge-offs | 108.1794% | 3,940 |
| Earnings coverage of net charge-offs (x) | 0.1799% | 5,832 |
| Efficiency ratio | 85.8858% | 1,643 |
| Assets per employee ($millions) | 2.7016% | 6,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8165% | 2,733 |
| Loan loss allowance to noncurrent loans | 63.5048% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 2.0930% | 3,347 |
| Noncurrent loans to loans | 2.8604% | 2,789 |
| Net loans and leases to total assets | 71.8420% | 2,288 |
| Net loans and leases to deposits | 79.4478% | 3,552 |
| Net loans and leases to core deposits | 82.6990% | 4,130 |
| Total domestic deposits to total assets | 90.4267% | 671 |
| Equity capital to assets | 9.0938% | 5,452 |
| Core capital (leverage) ratio | 9.1564% | 4,446 |
| Tier 1 risk-based capital ratio | 12.3114% | 5,167 |
| Total risk-based capital ratio | 13.5709% | 5,133 |
| Memoranda: |
| Average total assets | $57,316,250 | 6,377 |
| Average earning assets | $50,460,500 | 6,421 |
| Average equity | $5,919,750 | 6,472 |
| Average total loans | $42,405,500 | 5,899 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9125% | 1,155 |
| Cost of funding earning assets | 0.9908% | 6,190 |
| Net interest margin | 4.9217% | 514 |
| Noninterest income to average assets | 1.0140% | 1,342 |
| Noninterest expense to average assets | 4.9603% | 388 |
| Loan and lease loss provision to assets | 7.2426% | 42 |
| Net operating income to assets | -4.5646% | 7,669 |
| Return on assets (ROA) | -4.5646% | 7,675 |
| Pretax return on assets | -6.8716% | 7,754 |
| Return on Equity (ROE) | -42.4209% | 7,548 |
| Retained earnings to average equity (ytd only) | -42.4209% | 7,540 |
| Net charge-offs to loans | 9.0286% | 45 |
| Credit loss provision to net charge-offs | 108.0084% | 3,772 |
| Earnings coverage of net charge-offs (x) | 0.0553% | 5,664 |
| Efficiency ratio | 93.0417% | 1,123 |
| Assets per employee ($millions) | 2.4784% | 7,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9223% | 2,364 |
| Loan loss allowance to noncurrent loans | 265.8784% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.5193% | 6,163 |
| Noncurrent loans to loans | 0.7230% | 5,809 |
| Net loans and leases to total assets | 70.4407% | 2,809 |
| Net loans and leases to deposits | 78.0371% | 3,959 |
| Net loans and leases to core deposits | 80.5480% | 4,622 |
| Total domestic deposits to total assets | 90.2656% | 786 |
| Equity capital to assets | 9.1327% | 5,245 |
| Core capital (leverage) ratio | 8.4341% | 5,524 |
| Tier 1 risk-based capital ratio | 12.5804% | 4,784 |
| Total risk-based capital ratio | 13.8404% | 4,752 |
| Memoranda: |
| Average total assets | $56,609,670 | 6,442 |
| Average earning assets | $49,657,670 | 6,487 |
| Average equity | $6,091,330 | 6,440 |
| Average total loans | $42,044,000 | 5,952 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1987% | 644 |
| Cost of funding earning assets | 0.9617% | 6,537 |
| Net interest margin | 5.2370% | 267 |
| Noninterest income to average assets | 0.5389% | 3,741 |
| Noninterest expense to average assets | 4.4813% | 591 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3900% | 4,879 |
| Return on assets (ROA) | 0.3900% | 5,020 |
| Pretax return on assets | 0.6523% | 4,402 |
| Return on Equity (ROE) | 3.3670% | 5,180 |
| Retained earnings to average equity (ytd only) | 3.3670% | 4,139 |
| Net charge-offs to loans | -0.0188% | 7,061 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2928% | 1,656 |
| Assets per employee ($millions) | 2.7117% | 6,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4466% | 4,180 |
| Loan loss allowance to noncurrent loans | 40.0881% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 4.3465% | 1,564 |
| Noncurrent loans to loans | 3.6086% | 2,203 |
| Net loans and leases to total assets | 72.7442% | 2,274 |
| Net loans and leases to deposits | 82.3113% | 3,234 |
| Net loans and leases to core deposits | 90.8914% | 3,246 |
| Total domestic deposits to total assets | 88.3769% | 1,864 |
| Equity capital to assets | 10.9962% | 2,768 |
| Core capital (leverage) ratio | 11.3691% | 1,988 |
| Tier 1 risk-based capital ratio | 13.9050% | 3,721 |
| Total risk-based capital ratio | 15.1581% | 3,679 |
| Memoranda: |
| Average total assets | $56,412,500 | 6,519 |
| Average earning assets | $49,494,000 | 6,571 |
| Average equity | $6,534,000 | 6,336 |
| Average total loans | $42,595,500 | 6,002 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6413% | 521 |
| Cost of funding earning assets | 1.0372% | 7,132 |
| Net interest margin | 5.6040% | 169 |
| Noninterest income to average assets | 0.6076% | 3,570 |
| Noninterest expense to average assets | 4.1661% | 1,139 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0045% | 1,824 |
| Return on assets (ROA) | 1.0045% | 1,873 |
| Pretax return on assets | 1.4583% | 1,293 |
| Return on Equity (ROE) | 8.4284% | 2,226 |
| Retained earnings to average equity (ytd only) | 8.4284% | 604 |
| Net charge-offs to loans | 0.0517% | 6,582 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 36.5714% | 646 |
| Efficiency ratio | 74.0716% | 3,883 |
| Assets per employee ($millions) | 2.5318% | 7,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5429% | 3,512 |
| Loan loss allowance to noncurrent loans | 92.5656% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 3.1730% | 2,179 |
| Noncurrent loans to loans | 1.6668% | 4,150 |
| Net loans and leases to total assets | 76.2150% | 1,745 |
| Net loans and leases to deposits | 87.5489% | 2,636 |
| Net loans and leases to core deposits | 95.9464% | 4,476 |
| Total domestic deposits to total assets | 87.0542% | 2,470 |
| Equity capital to assets | 12.2404% | 1,884 |
| Core capital (leverage) ratio | 11.7829% | 1,766 |
| Tier 1 risk-based capital ratio | 14.9003% | 3,007 |
| Total risk-based capital ratio | 16.1548% | 2,944 |
| Memoranda: |
| Average total assets | $52,662,800 | 6,609 |
| Average earning assets | $47,144,600 | 6,633 |
| Average equity | $6,276,400 | 6,508 |
| Average total loans | $40,603,200 | 6,071 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6291% | 585 |
| Cost of funding earning assets | 1.0611% | 7,264 |
| Net interest margin | 5.5680% | 171 |
| Noninterest income to average assets | 0.6192% | 3,551 |
| Noninterest expense to average assets | 4.0758% | 1,176 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0202% | 1,989 |
| Return on assets (ROA) | 1.0202% | 2,060 |
| Pretax return on assets | 1.5506% | 1,278 |
| Return on Equity (ROE) | 8.6193% | 2,402 |
| Retained earnings to average equity (ytd only) | 8.6193% | 937 |
| Net charge-offs to loans | 0.0725% | 5,961 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 27.7753% | 981 |
| Efficiency ratio | 72.4402% | 4,165 |
| Assets per employee ($millions) | 2.6614% | 6,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5676% | 3,130 |
| Loan loss allowance to noncurrent loans | 34.6259% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 3.4399% | 1,943 |
| Noncurrent loans to loans | 4.5272% | 1,536 |
| Net loans and leases to total assets | 74.7915% | 2,294 |
| Net loans and leases to deposits | 85.8714% | 3,340 |
| Net loans and leases to core deposits | 92.8665% | 5,147 |
| Total domestic deposits to total assets | 87.0970% | 2,131 |
| Equity capital to assets | 12.0369% | 2,222 |
| Core capital (leverage) ratio | 11.5924% | 2,018 |
| Tier 1 risk-based capital ratio | 15.0274% | 3,026 |
| Total risk-based capital ratio | 16.2822% | 2,965 |
| Memoranda: |
| Average total assets | $52,536,500 | 6,659 |
| Average earning assets | $47,244,750 | 6,678 |
| Average equity | $6,218,500 | 6,585 |
| Average total loans | $40,464,750 | 6,132 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7434% | 498 |
| Cost of funding earning assets | 1.1218% | 7,322 |
| Net interest margin | 5.6216% | 159 |
| Noninterest income to average assets | 0.6730% | 3,175 |
| Noninterest expense to average assets | 4.1104% | 1,176 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0592% | 1,917 |
| Return on assets (ROA) | 1.0592% | 1,993 |
| Pretax return on assets | 1.6212% | 1,167 |
| Return on Equity (ROE) | 8.9998% | 2,360 |
| Retained earnings to average equity (ytd only) | 8.9998% | 936 |
| Net charge-offs to loans | 0.1235% | 4,927 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 16.9600% | 1,507 |
| Efficiency ratio | 71.7145% | 4,472 |
| Assets per employee ($millions) | 2.6613% | 6,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5524% | 2,941 |
| Loan loss allowance to noncurrent loans | 72.6959% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.6308% | 3,766 |
| Noncurrent loans to loans | 2.1354% | 3,326 |
| Net loans and leases to total assets | 75.1832% | 2,395 |
| Net loans and leases to deposits | 86.0877% | 3,540 |
| Net loans and leases to core deposits | 93.0650% | 5,232 |
| Total domestic deposits to total assets | 87.3333% | 2,079 |
| Equity capital to assets | 11.8100% | 2,320 |
| Core capital (leverage) ratio | 11.4342% | 2,115 |
| Tier 1 risk-based capital ratio | 14.6767% | 3,159 |
| Total risk-based capital ratio | 15.9319% | 3,096 |
| Memoranda: |
| Average total assets | $52,306,000 | 6,735 |
| Average earning assets | $47,068,330 | 6,749 |
| Average equity | $6,155,670 | 6,664 |
| Average total loans | $40,471,670 | 6,182 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8421% | 449 |
| Cost of funding earning assets | 1.2347% | 7,216 |
| Net interest margin | 5.6074% | 155 |
| Noninterest income to average assets | 0.6789% | 3,012 |
| Noninterest expense to average assets | 3.9733% | 1,214 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1496% | 1,804 |
| Return on assets (ROA) | 1.1496% | 1,928 |
| Pretax return on assets | 1.7513% | 1,075 |
| Return on Equity (ROE) | 9.7857% | 2,410 |
| Retained earnings to average equity (ytd only) | 9.7857% | 1,257 |
| Net charge-offs to loans | 0.1288% | 3,932 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 17.4615% | 1,509 |
| Efficiency ratio | 69.4070% | 4,697 |
| Assets per employee ($millions) | 2.5666% | 7,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6381% | 2,365 |
| Loan loss allowance to noncurrent loans | 63.4122% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 1.9754% | 2,942 |
| Noncurrent loans to loans | 2.5832% | 2,553 |
| Net loans and leases to total assets | 75.2177% | 2,450 |
| Net loans and leases to deposits | 86.2389% | 3,586 |
| Net loans and leases to core deposits | 93.0877% | 5,246 |
| Total domestic deposits to total assets | 87.2202% | 2,113 |
| Equity capital to assets | 12.0298% | 2,239 |
| Core capital (leverage) ratio | 11.3083% | 2,271 |
| Tier 1 risk-based capital ratio | 15.1860% | 2,976 |
| Total risk-based capital ratio | 16.4418% | 2,932 |
| Memoranda: |
| Average total assets | $51,846,000 | 6,790 |
| Average earning assets | $46,652,500 | 6,813 |
| Average equity | $6,090,500 | 6,730 |
| Average total loans | $40,383,500 | 6,218 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1740% | 786 |
| Cost of funding earning assets | 2.2091% | 5,558 |
| Net interest margin | 4.9650% | 552 |
| Noninterest income to average assets | 0.4250% | 5,261 |
| Noninterest expense to average assets | 3.8517% | 1,658 |
| Loan and lease loss provision to assets | 0.9553% | 1,544 |
| Net operating income to assets | 0.0518% | 6,225 |
| Return on assets (ROA) | 0.0518% | 6,083 |
| Pretax return on assets | 0.0446% | 6,064 |
| Return on Equity (ROE) | 0.4979% | 6,077 |
| Retained earnings to average equity (ytd only) | 0.4979% | 4,938 |
| Net charge-offs to loans | 1.1149% | 1,085 |
| Credit loss provision to net charge-offs | 115.8009% | 4,662 |
| Earnings coverage of net charge-offs (x) | 1.2121% | 5,523 |
| Efficiency ratio | 79.3890% | 2,685 |
| Assets per employee ($millions) | 2.6181% | 6,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5802% | 2,330 |
| Loan loss allowance to noncurrent loans | 412.5786% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.3037% | 6,385 |
| Noncurrent loans to loans | 0.3830% | 6,196 |
| Net loans and leases to total assets | 78.0314% | 2,126 |
| Net loans and leases to deposits | 93.7003% | 2,821 |
| Net loans and leases to core deposits | 101.9386% | 4,621 |
| Total domestic deposits to total assets | 83.2776% | 3,662 |
| Equity capital to assets | 11.4704% | 2,653 |
| Core capital (leverage) ratio | 11.2275% | 2,412 |
| Tier 1 risk-based capital ratio | 14.0773% | 3,512 |
| Total risk-based capital ratio | 15.3331% | 3,425 |
| Memoranda: |
| Average total assets | $56,001,000 | 6,531 |
| Average earning assets | $49,930,000 | 6,590 |
| Average equity | $5,825,000 | 6,868 |
| Average total loans | $41,437,200 | 6,102 |
