| 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 | 5.3366% | 1,421 |
| Cost of funding earning assets | 2.3501% | 495 |
| Net interest margin | 2.9865% | 3,312 |
| Noninterest income to average assets | 0.7900% | 968 |
| Noninterest expense to average assets | 2.4223% | 2,522 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 0.7045% | 3,186 |
| Return on assets (ROA) | 0.7045% | 3,158 |
| Pretax return on assets | 0.9175% | 2,917 |
| Return on Equity (ROE) | 9.0300% | 2,748 |
| Retained earnings to average equity (ytd only) | 9.0292% | 1,247 |
| Net charge-offs to loans | 0.0306% | 1,691 |
| Credit loss provision to net charge-offs | 643.4783% | 562 |
| Earnings coverage of net charge-offs (x) | 47.1594% | 1,332 |
| Efficiency ratio | 67.7054% | 2,141 |
| Assets per employee ($millions) | 9.2135% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0094% | 3,257 |
| Loan loss allowance to noncurrent loans | 47.4263% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 2.1561% | 120 |
| Noncurrent loans to loans | 2.1284% | 254 |
| Net loans and leases to total assets | 81.8300% | 449 |
| Net loans and leases to deposits | 98.2620% | 635 |
| Net loans and leases to core deposits | 110.5740% | 940 |
| Total domestic deposits to total assets | 83.2700% | 2,821 |
| Equity capital to assets | 7.8011% | 3,543 |
| Core capital (leverage) ratio | 7.9646% | 4,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8495% | 2,835 |
| Memoranda: |
| Average total assets | $281,636,800 | 2,518 |
| Average earning assets | $263,051,200 | 2,506 |
| Average equity | $21,973,200 | 2,699 |
| Average total loans | $225,846,400 | 2,128 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2334% | 1,391 |
| Cost of funding earning assets | 2.2871% | 420 |
| Net interest margin | 2.9463% | 3,438 |
| Noninterest income to average assets | 0.7600% | 1,028 |
| Noninterest expense to average assets | 2.3371% | 2,685 |
| Loan and lease loss provision to assets | 0.2100% | 519 |
| Net operating income to assets | 0.7597% | 3,133 |
| Return on assets (ROA) | 0.7597% | 3,132 |
| Pretax return on assets | 0.9691% | 2,935 |
| Return on Equity (ROE) | 9.7400% | 2,719 |
| Retained earnings to average equity (ytd only) | 9.7374% | 1,476 |
| Net charge-offs to loans | -0.0259% | 4,200 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.4986% | 2,219 |
| Assets per employee ($millions) | 9.6899% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0178% | 3,268 |
| Loan loss allowance to noncurrent loans | 44.8427% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 2.2068% | 111 |
| Noncurrent loans to loans | 2.2696% | 232 |
| Net loans and leases to total assets | 78.6900% | 796 |
| Net loans and leases to deposits | 93.2298% | 953 |
| Net loans and leases to core deposits | 104.4713% | 1,096 |
| Total domestic deposits to total assets | 84.4000% | 2,668 |
| Equity capital to assets | 7.7324% | 3,222 |
| Core capital (leverage) ratio | 7.6923% | 4,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7113% | 2,867 |
| Memoranda: |
| Average total assets | $278,338,000 | 2,537 |
| Average earning assets | $260,293,750 | 2,522 |
| Average equity | $21,716,500 | 2,707 |
| Average total loans | $221,381,250 | 2,149 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0168% | 1,535 |
| Cost of funding earning assets | 2.2082% | 333 |
| Net interest margin | 2.8086% | 3,806 |
| Noninterest income to average assets | 0.7600% | 956 |
| Noninterest expense to average assets | 2.2836% | 2,860 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 0.6900% | 3,365 |
| Return on assets (ROA) | 0.6900% | 3,365 |
| Pretax return on assets | 0.9102% | 3,140 |
| Return on Equity (ROE) | 8.8200% | 3,030 |
| Retained earnings to average equity (ytd only) | 8.8153% | 1,729 |
| Net charge-offs to loans | -0.0688% | 4,450 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.6388% | 2,024 |
| Assets per employee ($millions) | 9.4927% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9712% | 3,526 |
| Loan loss allowance to noncurrent loans | 34.9214% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 2.3889% | 104 |
| Noncurrent loans to loans | 2.7812% | 161 |
| Net loans and leases to total assets | 76.1900% | 1,030 |
| Net loans and leases to deposits | 91.2917% | 1,081 |
| Net loans and leases to core deposits | 99.6427% | 1,257 |
| Total domestic deposits to total assets | 83.4600% | 2,944 |
| Equity capital to assets | 7.4505% | 3,551 |
| Core capital (leverage) ratio | 7.9563% | 4,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5327% | 2,756 |
| Memoranda: |
| Average total assets | $274,218,333 | 2,563 |
| Average earning assets | $255,860,000 | 2,549 |
| Average equity | $21,462,667 | 2,741 |
| Average total loans | $218,143,333 | 2,165 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9412% | 1,343 |
| Cost of funding earning assets | 2.1041% | 232 |
| Net interest margin | 2.8371% | 3,885 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 2.3226% | 2,758 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 0.6541% | 3,572 |
| Return on assets (ROA) | 0.6541% | 3,529 |
| Pretax return on assets | 0.8524% | 3,338 |
| Return on Equity (ROE) | 8.1400% | 3,252 |
| Retained earnings to average equity (ytd only) | 8.1389% | 2,179 |
| Net charge-offs to loans | 0.0019% | 1,969 |
| Credit loss provision to net charge-offs | 12,500.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 688.0000% | 168 |
| Efficiency ratio | 69.0369% | 1,857 |
| Assets per employee ($millions) | 9.5606% | 788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0228% | 3,418 |
| Loan loss allowance to noncurrent loans | 38.8089% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 2.3101% | 91 |
| Noncurrent loans to loans | 2.6355% | 178 |
| Net loans and leases to total assets | 77.1000% | 866 |
| Net loans and leases to deposits | 93.3129% | 826 |
| Net loans and leases to core deposits | 102.7188% | 977 |
| Total domestic deposits to total assets | 82.6200% | 3,375 |
| Equity capital to assets | 7.7307% | 3,423 |
| Core capital (leverage) ratio | 8.3418% | 4,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9637% | 2,737 |
| Memoranda: |
| Average total assets | $264,190,000 | 2,645 |
| Average earning assets | $245,041,000 | 2,643 |
| Average equity | $21,231,500 | 2,777 |
| Average total loans | $214,007,000 | 2,216 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4022% | 880 |
| Cost of funding earning assets | 1.2523% | 60 |
| Net interest margin | 3.1499% | 3,021 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.6345% | 1,715 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.5779% | 3,929 |
| Return on assets (ROA) | 0.5779% | 3,894 |
| Pretax return on assets | 0.7568% | 3,727 |
| Return on Equity (ROE) | 6.8900% | 3,659 |
| Retained earnings to average equity (ytd only) | 6.8921% | 2,287 |
| Net charge-offs to loans | 0.0676% | 970 |
| Credit loss provision to net charge-offs | 200.7353% | 1,115 |
| Earnings coverage of net charge-offs (x) | 15.5368% | 2,005 |
| Efficiency ratio | 75.1937% | 1,102 |
| Assets per employee ($millions) | 7.8476% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9654% | 3,537 |
| Loan loss allowance to noncurrent loans | 39.7707% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 2.3061% | 98 |
| Noncurrent loans to loans | 2.4274% | 193 |
| Net loans and leases to total assets | 83.6200% | 288 |
| Net loans and leases to deposits | 100.9941% | 401 |
| Net loans and leases to core deposits | 108.8910% | 643 |
| Total domestic deposits to total assets | 82.8000% | 3,462 |
| Equity capital to assets | 8.3740% | 2,788 |
| Core capital (leverage) ratio | 8.5947% | 4,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7308% | 2,805 |
| Memoranda: |
| Average total assets | $243,119,600 | 2,766 |
| Average earning assets | $225,022,200 | 2,772 |
| Average equity | $20,385,600 | 2,921 |
| Average total loans | $201,244,600 | 2,220 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2292% | 840 |
| Cost of funding earning assets | 1.0891% | 40 |
| Net interest margin | 3.1402% | 2,801 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.6680% | 1,539 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.5181% | 4,034 |
| Return on assets (ROA) | 0.5181% | 3,982 |
| Pretax return on assets | 0.6757% | 3,843 |
| Return on Equity (ROE) | 6.1800% | 3,766 |
| Retained earnings to average equity (ytd only) | 6.1771% | 2,690 |
| Net charge-offs to loans | 0.0517% | 968 |
| Credit loss provision to net charge-offs | 279.2208% | 846 |
| Earnings coverage of net charge-offs (x) | 18.6623% | 1,749 |
| Efficiency ratio | 77.0521% | 995 |
| Assets per employee ($millions) | 7.9544% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0155% | 3,398 |
| Loan loss allowance to noncurrent loans | 26.7110% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 3.1109% | 47 |
| Noncurrent loans to loans | 3.8019% | 106 |
| Net loans and leases to total assets | 80.9900% | 448 |
| Net loans and leases to deposits | 98.0712% | 455 |
| Net loans and leases to core deposits | 105.7526% | 594 |
| Total domestic deposits to total assets | 82.5900% | 3,742 |
| Equity capital to assets | 8.3351% | 2,651 |
| Core capital (leverage) ratio | 8.6816% | 3,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0601% | 2,797 |
| Memoranda: |
| Average total assets | $241,119,000 | 2,800 |
| Average earning assets | $223,549,000 | 2,800 |
| Average equity | $20,224,750 | 2,977 |
| Average total loans | $198,545,750 | 2,238 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1268% | 733 |
| Cost of funding earning assets | 0.9742% | 38 |
| Net interest margin | 3.1526% | 2,355 |
| Noninterest income to average assets | 0.5374% | 2,005 |
| Noninterest expense to average assets | 2.6319% | 1,553 |
| Loan and lease loss provision to assets | 0.1020% | 977 |
| Net operating income to assets | 0.5608% | 3,731 |
| Return on assets (ROA) | 0.5608% | 3,683 |
| Pretax return on assets | 0.7246% | 3,519 |
| Return on Equity (ROE) | 6.6708% | 3,404 |
| Retained earnings to average equity (ytd only) | 6.6708% | 2,101 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0996% | 1,269 |
| Assets per employee ($millions) | 7.2633% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0301% | 3,468 |
| Loan loss allowance to noncurrent loans | 31.3089% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 2.6997% | 79 |
| Noncurrent loans to loans | 3.2902% | 147 |
| Net loans and leases to total assets | 81.2095% | 332 |
| Net loans and leases to deposits | 99.2773% | 301 |
| Net loans and leases to core deposits | 105.6617% | 465 |
| Total domestic deposits to total assets | 81.8007% | 4,033 |
| Equity capital to assets | 8.4768% | 2,784 |
| Core capital (leverage) ratio | 8.7447% | 3,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7829% | 2,578 |
| Memoranda: |
| Average total assets | $239,299,333 | 2,834 |
| Average earning assets | $221,721,000 | 2,840 |
| Average equity | $20,117,667 | 3,059 |
| Average total loans | $197,472,333 | 2,251 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0698% | 669 |
| Cost of funding earning assets | 0.9263% | 49 |
| Net interest margin | 3.1436% | 2,044 |
| Noninterest income to average assets | 0.5169% | 2,059 |
| Noninterest expense to average assets | 2.7151% | 1,324 |
| Loan and lease loss provision to assets | 0.1472% | 540 |
| Net operating income to assets | 0.4216% | 3,910 |
| Return on assets (ROA) | 0.4216% | 3,873 |
| Pretax return on assets | 0.5671% | 3,713 |
| Return on Equity (ROE) | 5.0356% | 3,614 |
| Retained earnings to average equity (ytd only) | 5.0356% | 2,585 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1707% | 1,215 |
| Assets per employee ($millions) | 8.1091% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0117% | 3,671 |
| Loan loss allowance to noncurrent loans | 32.2518% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 2.5465% | 90 |
| Noncurrent loans to loans | 3.1369% | 163 |
| Net loans and leases to total assets | 80.3582% | 228 |
| Net loans and leases to deposits | 99.2668% | 193 |
| Net loans and leases to core deposits | 106.1892% | 348 |
| Total domestic deposits to total assets | 80.9518% | 4,201 |
| Equity capital to assets | 8.2591% | 3,359 |
| Core capital (leverage) ratio | 8.5727% | 3,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4186% | 2,802 |
| Memoranda: |
| Average total assets | $239,104,000 | 2,850 |
| Average earning assets | $221,532,000 | 2,856 |
| Average equity | $20,017,500 | 3,147 |
| Average total loans | $197,870,000 | 2,242 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9386% | 1,521 |
| Cost of funding earning assets | 1.0908% | 48 |
| Net interest margin | 2.8478% | 3,563 |
| Noninterest income to average assets | 0.6627% | 1,894 |
| Noninterest expense to average assets | 2.4719% | 2,267 |
| Loan and lease loss provision to assets | 0.1994% | 544 |
| Net operating income to assets | 0.4847% | 4,126 |
| Return on assets (ROA) | 0.4963% | 4,138 |
| Pretax return on assets | 0.6401% | 4,051 |
| Return on Equity (ROE) | 6.1393% | 3,744 |
| Retained earnings to average equity (ytd only) | 6.1393% | 2,300 |
| Net charge-offs to loans | 0.1108% | 799 |
| Credit loss provision to net charge-offs | 227.1429% | 1,227 |
| Earnings coverage of net charge-offs (x) | 9.3952% | 2,262 |
| Efficiency ratio | 74.9778% | 1,210 |
| Assets per employee ($millions) | 8.3885% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9639% | 3,896 |
| Loan loss allowance to noncurrent loans | 34.2228% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 2.3774% | 116 |
| Noncurrent loans to loans | 2.8166% | 219 |
| Net loans and leases to total assets | 83.5932% | 125 |
| Net loans and leases to deposits | 105.1430% | 116 |
| Net loans and leases to core deposits | 114.5379% | 222 |
| Total domestic deposits to total assets | 79.5043% | 4,265 |
| Equity capital to assets | 8.4985% | 4,050 |
| Core capital (leverage) ratio | 8.7708% | 3,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1028% | 2,865 |
| Memoranda: |
| Average total assets | $239,165,600 | 2,801 |
| Average earning assets | $221,221,400 | 2,805 |
| Average equity | $19,334,600 | 3,273 |
| Average total loans | $189,562,600 | 2,307 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8639% | 1,880 |
| Cost of funding earning assets | 1.1248% | 50 |
| Net interest margin | 2.7391% | 3,902 |
| Noninterest income to average assets | 0.6438% | 2,034 |
| Noninterest expense to average assets | 2.4425% | 2,296 |
| Loan and lease loss provision to assets | 0.1719% | 630 |
| Net operating income to assets | 0.4342% | 4,322 |
| Return on assets (ROA) | 0.4495% | 4,334 |
| Pretax return on assets | 0.5827% | 4,256 |
| Return on Equity (ROE) | 5.6313% | 3,996 |
| Retained earnings to average equity (ytd only) | 5.6313% | 2,986 |
| Net charge-offs to loans | 0.1494% | 552 |
| Credit loss provision to net charge-offs | 147.6190% | 1,366 |
| Earnings coverage of net charge-offs (x) | 6.3095% | 2,185 |
| Efficiency ratio | 76.8599% | 970 |
| Assets per employee ($millions) | 7.7489% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8840% | 4,193 |
| Loan loss allowance to noncurrent loans | 39.8676% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 2.1697% | 158 |
| Noncurrent loans to loans | 2.2173% | 374 |
| Net loans and leases to total assets | 81.5434% | 215 |
| Net loans and leases to deposits | 102.6808% | 177 |
| Net loans and leases to core deposits | 113.7956% | 258 |
| Total domestic deposits to total assets | 79.4144% | 4,306 |
| Equity capital to assets | 8.1659% | 4,430 |
| Core capital (leverage) ratio | 8.5145% | 4,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2934% | 2,906 |
| Memoranda: |
| Average total assets | $240,237,500 | 2,812 |
| Average earning assets | $222,257,500 | 2,824 |
| Average equity | $19,178,000 | 3,325 |
| Average total loans | $187,390,000 | 2,361 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6028% | 2,611 |
| Cost of funding earning assets | 1.1733% | 48 |
| Net interest margin | 2.4295% | 4,392 |
| Noninterest income to average assets | 0.6743% | 1,911 |
| Noninterest expense to average assets | 2.4026% | 2,456 |
| Loan and lease loss provision to assets | 0.1099% | 1,153 |
| Net operating income to assets | 0.3263% | 4,494 |
| Return on assets (ROA) | 0.3496% | 4,497 |
| Pretax return on assets | 0.4387% | 4,463 |
| Return on Equity (ROE) | 4.4136% | 4,248 |
| Retained earnings to average equity (ytd only) | 4.4136% | 3,393 |
| Net charge-offs to loans | 0.2283% | 380 |
| Credit loss provision to net charge-offs | 62.8571% | 1,547 |
| Earnings coverage of net charge-offs (x) | 2.9714% | 2,098 |
| Efficiency ratio | 82.2222% | 657 |
| Assets per employee ($millions) | 8.4535% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7972% | 4,369 |
| Loan loss allowance to noncurrent loans | 35.0536% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 2.1640% | 186 |
| Noncurrent loans to loans | 2.2742% | 385 |
| Net loans and leases to total assets | 79.6428% | 335 |
| Net loans and leases to deposits | 105.3459% | 168 |
| Net loans and leases to core deposits | 119.7983% | 219 |
| Total domestic deposits to total assets | 75.6013% | 4,583 |
| Equity capital to assets | 7.8449% | 4,609 |
| Core capital (leverage) ratio | 8.2548% | 4,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7266% | 2,800 |
| Memoranda: |
| Average total assets | $240,244,333 | 2,811 |
| Average earning assets | $222,271,333 | 2,817 |
| Average equity | $19,032,000 | 3,337 |
| Average total loans | $183,977,333 | 2,406 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6139% | 2,595 |
| Cost of funding earning assets | 1.2435% | 46 |
| Net interest margin | 2.3705% | 4,445 |
| Noninterest income to average assets | 0.7031% | 1,860 |
| Noninterest expense to average assets | 2.4156% | 2,452 |
| Loan and lease loss provision to assets | 0.0875% | 1,508 |
| Net operating income to assets | 0.2826% | 4,541 |
| Return on assets (ROA) | 0.2826% | 4,572 |
| Pretax return on assets | 0.3903% | 4,495 |
| Return on Equity (ROE) | 3.5495% | 4,365 |
| Retained earnings to average equity (ytd only) | 3.5495% | 3,620 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4884% | 624 |
| Assets per employee ($millions) | 8.0540% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8991% | 4,158 |
| Loan loss allowance to noncurrent loans | 49.3322% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 1.7689% | 319 |
| Noncurrent loans to loans | 1.8225% | 629 |
| Net loans and leases to total assets | 77.5076% | 496 |
| Net loans and leases to deposits | 99.5270% | 300 |
| Net loans and leases to core deposits | 112.7750% | 348 |
| Total domestic deposits to total assets | 77.8759% | 4,450 |
| Equity capital to assets | 7.8578% | 4,569 |
| Core capital (leverage) ratio | 8.4155% | 4,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7380% | 2,755 |
| Memoranda: |
| Average total assets | $237,790,500 | 2,814 |
| Average earning assets | $219,705,000 | 2,822 |
| Average equity | $18,932,000 | 3,337 |
| Average total loans | $177,558,500 | 2,452 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9685% | 2,826 |
| Cost of funding earning assets | 1.5985% | 50 |
| Net interest margin | 2.3700% | 4,677 |
| Noninterest income to average assets | 1.0678% | 933 |
| Noninterest expense to average assets | 2.1764% | 3,732 |
| Loan and lease loss provision to assets | 0.2377% | 1,636 |
| Net operating income to assets | 0.6178% | 3,685 |
| Return on assets (ROA) | 0.6575% | 3,694 |
| Pretax return on assets | 0.8781% | 3,430 |
| Return on Equity (ROE) | 8.1303% | 2,763 |
| Retained earnings to average equity (ytd only) | 8.1303% | 1,015 |
| Net charge-offs to loans | 0.0409% | 2,238 |
| Credit loss provision to net charge-offs | 791.0448% | 910 |
| Earnings coverage of net charge-offs (x) | 35.4627% | 1,478 |
| Efficiency ratio | 67.1324% | 2,343 |
| Assets per employee ($millions) | 9.3585% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9913% | 3,902 |
| Loan loss allowance to noncurrent loans | 39.8596% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 2.1337% | 254 |
| Noncurrent loans to loans | 2.4870% | 406 |
| Net loans and leases to total assets | 70.3097% | 1,517 |
| Net loans and leases to deposits | 93.4786% | 689 |
| Net loans and leases to core deposits | 107.2431% | 597 |
| Total domestic deposits to total assets | 75.2148% | 4,565 |
| Equity capital to assets | 8.0688% | 4,679 |
| Core capital (leverage) ratio | 8.7248% | 3,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4103% | 2,485 |
| Memoranda: |
| Average total assets | $222,977,800 | 2,774 |
| Average earning assets | $204,560,400 | 2,790 |
| Average equity | $18,031,400 | 3,362 |
| Average total loans | $163,714,200 | 2,537 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0868% | 2,710 |
| Cost of funding earning assets | 1.7031% | 47 |
| Net interest margin | 2.3838% | 4,737 |
| Noninterest income to average assets | 1.0268% | 987 |
| Noninterest expense to average assets | 2.1135% | 3,913 |
| Loan and lease loss provision to assets | 0.2057% | 1,949 |
| Net operating income to assets | 0.6475% | 3,635 |
| Return on assets (ROA) | 0.6647% | 3,686 |
| Pretax return on assets | 0.8960% | 3,394 |
| Return on Equity (ROE) | 8.2154% | 2,724 |
| Retained earnings to average equity (ytd only) | 8.2154% | 1,232 |
| Net charge-offs to loans | 0.0025% | 3,095 |
| Credit loss provision to net charge-offs | 11,333.3333% | 108 |
| Earnings coverage of net charge-offs (x) | 594.6667% | 204 |
| Efficiency ratio | 66.1801% | 2,447 |
| Assets per employee ($millions) | 9.8847% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9104% | 4,036 |
| Loan loss allowance to noncurrent loans | 50.9036% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.3143% | 709 |
| Noncurrent loans to loans | 1.7886% | 741 |
| Net loans and leases to total assets | 72.8139% | 1,536 |
| Net loans and leases to deposits | 99.3292% | 563 |
| Net loans and leases to core deposits | 115.6861% | 510 |
| Total domestic deposits to total assets | 73.3057% | 4,615 |
| Equity capital to assets | 8.1593% | 4,653 |
| Core capital (leverage) ratio | 8.5510% | 4,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0757% | 2,584 |
| Memoranda: |
| Average total assets | $220,231,750 | 2,780 |
| Average earning assets | $200,182,500 | 2,807 |
| Average equity | $17,819,750 | 3,382 |
| Average total loans | $163,106,500 | 2,547 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1364% | 2,949 |
| Cost of funding earning assets | 1.7820% | 52 |
| Net interest margin | 2.3544% | 4,815 |
| Noninterest income to average assets | 0.8740% | 1,227 |
| Noninterest expense to average assets | 2.0729% | 4,095 |
| Loan and lease loss provision to assets | 0.2203% | 1,895 |
| Net operating income to assets | 0.5385% | 3,910 |
| Return on assets (ROA) | 0.5646% | 3,929 |
| Pretax return on assets | 0.7583% | 3,714 |
| Return on Equity (ROE) | 6.9980% | 3,132 |
| Retained earnings to average equity (ytd only) | 6.9980% | 1,662 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6740% | 2,148 |
| Assets per employee ($millions) | 10.5366% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8453% | 4,204 |
| Loan loss allowance to noncurrent loans | 41.7106% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 1.4088% | 690 |
| Noncurrent loans to loans | 2.0266% | 661 |
| Net loans and leases to total assets | 68.9245% | 2,197 |
| Net loans and leases to deposits | 95.4060% | 844 |
| Net loans and leases to core deposits | 114.3897% | 584 |
| Total domestic deposits to total assets | 72.2434% | 4,696 |
| Equity capital to assets | 7.4424% | 4,893 |
| Core capital (leverage) ratio | 8.0319% | 4,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5442% | 2,796 |
| Memoranda: |
| Average total assets | $217,859,667 | 2,775 |
| Average earning assets | $198,433,333 | 2,794 |
| Average equity | $17,576,333 | 3,407 |
| Average total loans | $161,788,000 | 2,550 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5148% | 2,274 |
| Cost of funding earning assets | 1.9926% | 33 |
| Net interest margin | 2.5222% | 4,811 |
| Noninterest income to average assets | 0.3988% | 3,116 |
| Noninterest expense to average assets | 2.1905% | 4,026 |
| Loan and lease loss provision to assets | 0.0253% | 3,480 |
| Net operating income to assets | 0.3415% | 4,256 |
| Return on assets (ROA) | 0.3969% | 4,179 |
| Pretax return on assets | 0.5136% | 4,102 |
| Return on Equity (ROE) | 4.7041% | 3,739 |
| Retained earnings to average equity (ytd only) | 4.7041% | 2,412 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3702% | 950 |
| Assets per employee ($millions) | 9.9338% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7491% | 4,523 |
| Loan loss allowance to noncurrent loans | 34.7864% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.6495% | 612 |
| Noncurrent loans to loans | 2.1534% | 626 |
| Net loans and leases to total assets | 76.0264% | 1,299 |
| Net loans and leases to deposits | 99.5437% | 590 |
| Net loans and leases to core deposits | 119.9120% | 468 |
| Total domestic deposits to total assets | 76.3749% | 4,433 |
| Equity capital to assets | 8.3467% | 4,881 |
| Core capital (leverage) ratio | 8.4173% | 4,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1169% | 3,063 |
| Memoranda: |
| Average total assets | $205,618,500 | 2,827 |
| Average earning assets | $184,283,000 | 2,880 |
| Average equity | $17,346,500 | 3,437 |
| Average total loans | $158,453,500 | 2,557 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5885% | 2,657 |
| Cost of funding earning assets | 2.1088% | 35 |
| Net interest margin | 2.4797% | 4,977 |
| Noninterest income to average assets | 0.3150% | 3,809 |
| Noninterest expense to average assets | 2.2500% | 4,063 |
| Loan and lease loss provision to assets | 0.0884% | 2,250 |
| Net operating income to assets | 0.2084% | 4,833 |
| Return on assets (ROA) | 0.2287% | 4,841 |
| Pretax return on assets | 0.2739% | 4,838 |
| Return on Equity (ROE) | 2.6347% | 4,723 |
| Retained earnings to average equity (ytd only) | 2.6347% | 3,719 |
| Net charge-offs to loans | 0.0734% | 2,041 |
| Credit loss provision to net charge-offs | 150.0000% | 1,705 |
| Earnings coverage of net charge-offs (x) | 5.7328% | 3,049 |
| Efficiency ratio | 86.9429% | 489 |
| Assets per employee ($millions) | 9.2097% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7530% | 4,443 |
| Loan loss allowance to noncurrent loans | 31.7840% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 1.8592% | 453 |
| Noncurrent loans to loans | 2.3690% | 486 |
| Net loans and leases to total assets | 76.9587% | 1,263 |
| Net loans and leases to deposits | 101.5626% | 496 |
| Net loans and leases to core deposits | 126.0032% | 346 |
| Total domestic deposits to total assets | 75.7746% | 4,624 |
| Equity capital to assets | 8.5374% | 4,898 |
| Core capital (leverage) ratio | 8.6097% | 4,778 |
| Tier 1 risk-based capital ratio | 10.7923% | 4,929 |
| Total risk-based capital ratio | 11.5301% | 5,017 |
| Memoranda: |
| Average total assets | $196,802,800 | 2,868 |
| Average earning assets | $180,387,200 | 2,882 |
| Average equity | $17,079,600 | 3,424 |
| Average total loans | $158,107,800 | 2,532 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5498% | 2,892 |
| Cost of funding earning assets | 2.0693% | 48 |
| Net interest margin | 2.4805% | 5,071 |
| Noninterest income to average assets | 0.2832% | 4,047 |
| Noninterest expense to average assets | 2.2455% | 4,082 |
| Loan and lease loss provision to assets | 0.1017% | 1,889 |
| Net operating income to assets | 0.1909% | 4,957 |
| Return on assets (ROA) | 0.2198% | 4,949 |
| Pretax return on assets | 0.2641% | 4,934 |
| Return on Equity (ROE) | 2.5217% | 4,836 |
| Retained earnings to average equity (ytd only) | 2.5217% | 4,083 |
| Net charge-offs to loans | 0.0977% | 1,494 |
| Credit loss provision to net charge-offs | 128.4483% | 1,843 |
| Earnings coverage of net charge-offs (x) | 4.1811% | 3,036 |
| Efficiency ratio | 87.1523% | 445 |
| Assets per employee ($millions) | 9.5802% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7238% | 4,601 |
| Loan loss allowance to noncurrent loans | 18.9844% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 3.0594% | 180 |
| Noncurrent loans to loans | 3.8128% | 192 |
| Net loans and leases to total assets | 79.0113% | 988 |
| Net loans and leases to deposits | 104.5508% | 385 |
| Net loans and leases to core deposits | 132.5291% | 264 |
| Total domestic deposits to total assets | 75.5721% | 4,687 |
| Equity capital to assets | 8.5434% | 4,983 |
| Core capital (leverage) ratio | 8.8667% | 4,734 |
| Tier 1 risk-based capital ratio | 11.9095% | 4,458 |
| Total risk-based capital ratio | 12.7132% | 4,586 |
| Memoranda: |
| Average total assets | $195,350,000 | 2,904 |
| Average earning assets | $180,604,500 | 2,902 |
| Average equity | $17,025,000 | 3,453 |
| Average total loans | $158,356,750 | 2,553 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5283% | 2,925 |
| Cost of funding earning assets | 2.0531% | 44 |
| Net interest margin | 2.4752% | 5,141 |
| Noninterest income to average assets | 0.2740% | 4,105 |
| Noninterest expense to average assets | 2.2533% | 4,115 |
| Loan and lease loss provision to assets | 0.0993% | 1,881 |
| Net operating income to assets | 0.1873% | 5,009 |
| Return on assets (ROA) | 0.2337% | 4,972 |
| Pretax return on assets | 0.2668% | 4,967 |
| Return on Equity (ROE) | 2.6634% | 4,846 |
| Retained earnings to average equity (ytd only) | 2.6634% | 3,869 |
| Net charge-offs to loans | 0.0811% | 1,546 |
| Credit loss provision to net charge-offs | 150.0000% | 1,483 |
| Earnings coverage of net charge-offs (x) | 4.7344% | 2,715 |
| Efficiency ratio | 87.7921% | 450 |
| Assets per employee ($millions) | 9.7932% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7269% | 4,652 |
| Loan loss allowance to noncurrent loans | 40.9123% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 1.4689% | 773 |
| Noncurrent loans to loans | 1.7767% | 851 |
| Net loans and leases to total assets | 80.6763% | 778 |
| Net loans and leases to deposits | 107.6279% | 285 |
| Net loans and leases to core deposits | 139.5522% | 198 |
| Total domestic deposits to total assets | 74.9585% | 4,769 |
| Equity capital to assets | 8.7469% | 4,924 |
| Core capital (leverage) ratio | 8.7015% | 4,840 |
| Tier 1 risk-based capital ratio | 11.9680% | 4,436 |
| Total risk-based capital ratio | 12.7787% | 4,562 |
| Memoranda: |
| Average total assets | $193,405,330 | 2,929 |
| Average earning assets | $179,139,670 | 2,926 |
| Average equity | $16,970,670 | 3,468 |
| Average total loans | $157,770,000 | 2,573 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6689% | 2,320 |
| Cost of funding earning assets | 2.0786% | 37 |
| Net interest margin | 2.5903% | 5,143 |
| Noninterest income to average assets | 0.2747% | 4,045 |
| Noninterest expense to average assets | 2.2833% | 4,067 |
| Loan and lease loss provision to assets | 0.0957% | 1,829 |
| Net operating income to assets | 0.2295% | 4,986 |
| Return on assets (ROA) | 0.2394% | 4,981 |
| Pretax return on assets | 0.3101% | 4,951 |
| Return on Equity (ROE) | 2.7235% | 4,846 |
| Retained earnings to average equity (ytd only) | 2.7235% | 3,849 |
| Net charge-offs to loans | 0.0840% | 1,258 |
| Credit loss provision to net charge-offs | 139.3939% | 1,300 |
| Earnings coverage of net charge-offs (x) | 5.7273% | 2,242 |
| Efficiency ratio | 85.3033% | 624 |
| Assets per employee ($millions) | 10.2941% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7230% | 4,730 |
| Loan loss allowance to noncurrent loans | 38.4801% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 1.5430% | 762 |
| Noncurrent loans to loans | 1.8788% | 812 |
| Net loans and leases to total assets | 78.5640% | 1,064 |
| Net loans and leases to deposits | 104.6423% | 374 |
| Net loans and leases to core deposits | 137.9251% | 208 |
| Total domestic deposits to total assets | 75.0786% | 4,848 |
| Equity capital to assets | 8.6928% | 4,883 |
| Core capital (leverage) ratio | 8.8324% | 4,770 |
| Tier 1 risk-based capital ratio | 11.4602% | 4,763 |
| Total risk-based capital ratio | 12.2160% | 4,898 |
| Memoranda: |
| Average total assets | $192,176,500 | 2,974 |
| Average earning assets | $178,200,500 | 2,969 |
| Average equity | $16,890,000 | 3,485 |
| Average total loans | $157,069,000 | 2,606 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5574% | 2,267 |
| Cost of funding earning assets | 1.7696% | 33 |
| Net interest margin | 2.7877% | 5,029 |
| Noninterest income to average assets | 0.2010% | 4,705 |
| Noninterest expense to average assets | 2.3847% | 3,922 |
| Loan and lease loss provision to assets | 0.0849% | 2,434 |
| Net operating income to assets | 0.2520% | 5,058 |
| Return on assets (ROA) | 0.2520% | 5,053 |
| Pretax return on assets | 0.3024% | 5,041 |
| Return on Equity (ROE) | 2.8222% | 4,932 |
| Retained earnings to average equity (ytd only) | 2.8222% | 3,990 |
| Net charge-offs to loans | 0.0431% | 2,551 |
| Credit loss provision to net charge-offs | 230.7692% | 1,277 |
| Earnings coverage of net charge-offs (x) | 10.5231% | 2,711 |
| Efficiency ratio | 86.0266% | 526 |
| Assets per employee ($millions) | 9.4383% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7060% | 4,795 |
| Loan loss allowance to noncurrent loans | 35.2113% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 1.7657% | 590 |
| Noncurrent loans to loans | 2.0049% | 674 |
| Net loans and leases to total assets | 83.8249% | 429 |
| Net loans and leases to deposits | 112.7795% | 188 |
| Net loans and leases to core deposits | 148.3611% | 142 |
| Total domestic deposits to total assets | 74.3264% | 4,923 |
| Equity capital to assets | 8.8883% | 4,669 |
| Core capital (leverage) ratio | 9.0864% | 4,570 |
| Tier 1 risk-based capital ratio | 11.7513% | 4,592 |
| Total risk-based capital ratio | 12.5357% | 4,734 |
| Memoranda: |
| Average total assets | $176,581,400 | 3,090 |
| Average earning assets | $162,857,800 | 3,111 |
| Average equity | $15,767,600 | 3,537 |
| Average total loans | $150,769,400 | 2,631 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6500% | 1,833 |
| Cost of funding earning assets | 1.6995% | 32 |
| Net interest margin | 2.9504% | 4,916 |
| Noninterest income to average assets | 0.2651% | 4,380 |
| Noninterest expense to average assets | 2.4041% | 3,845 |
| Loan and lease loss provision to assets | 0.0884% | 2,207 |
| Net operating income to assets | 0.3803% | 4,989 |
| Return on assets (ROA) | 0.3803% | 4,987 |
| Pretax return on assets | 0.4910% | 4,913 |
| Return on Equity (ROE) | 4.2538% | 4,765 |
| Retained earnings to average equity (ytd only) | 4.2538% | 3,646 |
| Net charge-offs to loans | 0.0144% | 2,911 |
| Credit loss provision to net charge-offs | 718.7500% | 521 |
| Earnings coverage of net charge-offs (x) | 47.1313% | 1,221 |
| Efficiency ratio | 80.5820% | 894 |
| Assets per employee ($millions) | 10.2084% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7001% | 4,878 |
| Loan loss allowance to noncurrent loans | 31.7671% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 1.9205% | 572 |
| Noncurrent loans to loans | 2.2038% | 638 |
| Net loans and leases to total assets | 85.0641% | 355 |
| Net loans and leases to deposits | 115.6023% | 153 |
| Net loans and leases to core deposits | 129.8285% | 333 |
| Total domestic deposits to total assets | 73.5834% | 5,014 |
| Equity capital to assets | 9.1428% | 4,426 |
| Core capital (leverage) ratio | 9.4436% | 4,239 |
| Tier 1 risk-based capital ratio | 11.8209% | 4,590 |
| Total risk-based capital ratio | 12.5916% | 4,770 |
| Memoranda: |
| Average total assets | $173,535,250 | 3,153 |
| Average earning assets | $159,882,500 | 3,169 |
| Average equity | $15,515,000 | 3,595 |
| Average total loans | $148,622,250 | 2,675 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4356% | 2,300 |
| Cost of funding earning assets | 1.6387% | 26 |
| Net interest margin | 2.7968% | 5,122 |
| Noninterest income to average assets | 0.3115% | 4,090 |
| Noninterest expense to average assets | 2.3512% | 4,020 |
| Loan and lease loss provision to assets | 0.0764% | 2,371 |
| Net operating income to assets | 0.3762% | 5,011 |
| Return on assets (ROA) | 0.3762% | 5,012 |
| Pretax return on assets | 0.4561% | 4,979 |
| Return on Equity (ROE) | 4.2337% | 4,761 |
| Retained earnings to average equity (ytd only) | 4.2337% | 3,487 |
| Net charge-offs to loans | 0.0220% | 2,439 |
| Credit loss provision to net charge-offs | 406.2500% | 810 |
| Earnings coverage of net charge-offs (x) | 28.3125% | 1,561 |
| Efficiency ratio | 81.5328% | 868 |
| Assets per employee ($millions) | 8.6291% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7204% | 4,895 |
| Loan loss allowance to noncurrent loans | 31.2679% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 2.0547% | 514 |
| Noncurrent loans to loans | 2.3041% | 591 |
| Net loans and leases to total assets | 87.0351% | 198 |
| Net loans and leases to deposits | 119.2971% | 116 |
| Net loans and leases to core deposits | 155.2030% | 98 |
| Total domestic deposits to total assets | 72.9566% | 5,121 |
| Equity capital to assets | 9.6661% | 3,946 |
| Core capital (leverage) ratio | 9.8171% | 3,768 |
| Tier 1 risk-based capital ratio | 11.6079% | 4,739 |
| Total risk-based capital ratio | 12.3643% | 4,892 |
| Memoranda: |
| Average total assets | $170,125,670 | 3,213 |
| Average earning assets | $156,463,000 | 3,217 |
| Average equity | $15,116,670 | 3,665 |
| Average total loans | $145,693,330 | 2,720 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4269% | 2,105 |
| Cost of funding earning assets | 1.5967% | 24 |
| Net interest margin | 2.8302% | 5,124 |
| Noninterest income to average assets | 0.3126% | 4,062 |
| Noninterest expense to average assets | 2.1998% | 4,421 |
| Loan and lease loss provision to assets | 0.0947% | 1,930 |
| Net operating income to assets | 0.4902% | 4,718 |
| Return on assets (ROA) | 0.4902% | 4,726 |
| Pretax return on assets | 0.6204% | 4,638 |
| Return on Equity (ROE) | 5.7560% | 4,233 |
| Retained earnings to average equity (ytd only) | 5.7560% | 2,828 |
| Net charge-offs to loans | 0.0476% | 1,640 |
| Credit loss provision to net charge-offs | 235.2941% | 948 |
| Earnings coverage of net charge-offs (x) | 17.7647% | 1,565 |
| Efficiency ratio | 75.4671% | 1,674 |
| Assets per employee ($millions) | 7.5400% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7296% | 4,966 |
| Loan loss allowance to noncurrent loans | 31.0895% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 2.0780% | 531 |
| Noncurrent loans to loans | 2.3467% | 609 |
| Net loans and leases to total assets | 86.3752% | 234 |
| Net loans and leases to deposits | 116.7802% | 144 |
| Net loans and leases to core deposits | 147.7662% | 144 |
| Total domestic deposits to total assets | 73.9639% | 5,158 |
| Equity capital to assets | 9.9879% | 3,604 |
| Core capital (leverage) ratio | 9.8957% | 3,654 |
| Tier 1 risk-based capital ratio | 13.1939% | 3,853 |
| Total risk-based capital ratio | 14.0301% | 3,961 |
| Memoranda: |
| Average total assets | $168,927,500 | 3,257 |
| Average earning assets | $155,323,000 | 3,261 |
| Average equity | $14,385,000 | 3,789 |
| Average total loans | $142,891,500 | 2,778 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4963% | 1,715 |
| Cost of funding earning assets | 1.6028% | 15 |
| Net interest margin | 2.8936% | 5,052 |
| Noninterest income to average assets | 0.3386% | 4,047 |
| Noninterest expense to average assets | 2.0607% | 4,860 |
| Loan and lease loss provision to assets | 0.1590% | 1,414 |
| Net operating income to assets | 0.3974% | 4,697 |
| Return on assets (ROA) | 0.3978% | 4,716 |
| Pretax return on assets | 0.8124% | 4,212 |
| Return on Equity (ROE) | 5.1409% | 4,106 |
| Retained earnings to average equity (ytd only) | 5.1409% | 2,036 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9762% | 2,900 |
| Assets per employee ($millions) | 8.1892% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7444% | 4,967 |
| Loan loss allowance to noncurrent loans | 34.3220% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 1.8189% | 676 |
| Noncurrent loans to loans | 2.1690% | 679 |
| Net loans and leases to total assets | 81.6385% | 736 |
| Net loans and leases to deposits | 105.4689% | 425 |
| Net loans and leases to core deposits | 129.1850% | 359 |
| Total domestic deposits to total assets | 77.4053% | 4,809 |
| Equity capital to assets | 7.0953% | 5,580 |
| Core capital (leverage) ratio | 7.5328% | 5,555 |
| Tier 1 risk-based capital ratio | 9.1777% | 5,627 |
| Total risk-based capital ratio | 9.9682% | 5,640 |
| Memoranda: |
| Average total assets | $155,336,600 | 3,410 |
| Average earning assets | $144,562,800 | 3,394 |
| Average equity | $12,021,200 | 4,133 |
| Average total loans | $133,768,000 | 2,862 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6433% | 1,264 |
| Cost of funding earning assets | 1.5849% | 12 |
| Net interest margin | 3.0584% | 4,799 |
| Noninterest income to average assets | 0.3475% | 4,051 |
| Noninterest expense to average assets | 2.1043% | 4,726 |
| Loan and lease loss provision to assets | 0.1596% | 1,289 |
| Net operating income to assets | 0.6015% | 4,388 |
| Return on assets (ROA) | 0.6015% | 4,427 |
| Pretax return on assets | 0.9393% | 3,901 |
| Return on Equity (ROE) | 7.5929% | 3,347 |
| Retained earnings to average equity (ytd only) | 7.5929% | 1,390 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6938% | 3,264 |
| Assets per employee ($millions) | 8.3323% | 560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7233% | 5,088 |
| Loan loss allowance to noncurrent loans | 75.3383% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 0.8780% | 1,960 |
| Noncurrent loans to loans | 0.9601% | 2,006 |
| Net loans and leases to total assets | 86.8703% | 209 |
| Net loans and leases to deposits | 115.2599% | 164 |
| Net loans and leases to core deposits | 138.8082% | 215 |
| Total domestic deposits to total assets | 75.3690% | 5,088 |
| Equity capital to assets | 7.7536% | 5,588 |
| Core capital (leverage) ratio | 7.9182% | 5,539 |
| Tier 1 risk-based capital ratio | 9.8811% | 5,619 |
| Total risk-based capital ratio | 10.6877% | 5,654 |
| Memoranda: |
| Average total assets | $151,177,250 | 3,483 |
| Average earning assets | $141,160,750 | 3,461 |
| Average equity | $11,975,750 | 4,184 |
| Average total loans | $131,844,500 | 2,915 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6034% | 1,244 |
| Cost of funding earning assets | 1.5789% | 11 |
| Net interest margin | 3.0245% | 4,856 |
| Noninterest income to average assets | 0.3534% | 4,028 |
| Noninterest expense to average assets | 1.8637% | 5,236 |
| Loan and lease loss provision to assets | 0.0336% | 3,318 |
| Net operating income to assets | 0.7862% | 3,457 |
| Return on assets (ROA) | 0.7887% | 3,503 |
| Pretax return on assets | 1.2940% | 2,409 |
| Return on Equity (ROE) | 9.8484% | 2,101 |
| Retained earnings to average equity (ytd only) | 9.8484% | 615 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4739% | 4,533 |
| Assets per employee ($millions) | 10.2473% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6442% | 5,313 |
| Loan loss allowance to noncurrent loans | 49.8527% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 1.1424% | 1,507 |
| Noncurrent loans to loans | 1.2923% | 1,486 |
| Net loans and leases to total assets | 84.8844% | 355 |
| Net loans and leases to deposits | 112.6066% | 215 |
| Net loans and leases to core deposits | 122.5428% | 477 |
| Total domestic deposits to total assets | 75.3814% | 5,156 |
| Equity capital to assets | 7.9254% | 5,566 |
| Core capital (leverage) ratio | 7.8493% | 5,576 |
| Tier 1 risk-based capital ratio | 11.1748% | 5,164 |
| Total risk-based capital ratio | 11.9509% | 5,314 |
| Memoranda: |
| Average total assets | $148,846,330 | 3,537 |
| Average earning assets | $139,461,000 | 3,504 |
| Average equity | $11,920,670 | 4,203 |
| Average total loans | $129,741,330 | 2,952 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7505% | 846 |
| Cost of funding earning assets | 1.5554% | 13 |
| Net interest margin | 3.1952% | 4,359 |
| Noninterest income to average assets | 0.2268% | 4,915 |
| Noninterest expense to average assets | 1.7020% | 5,475 |
| Loan and lease loss provision to assets | 0.0683% | 2,443 |
| Net operating income to assets | 0.8663% | 2,919 |
| Return on assets (ROA) | 0.8715% | 2,949 |
| Pretax return on assets | 1.4616% | 1,658 |
| Return on Equity (ROE) | 10.8227% | 1,630 |
| Retained earnings to average equity (ytd only) | 10.8227% | 638 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7966% | 5,223 |
| Assets per employee ($millions) | 10.0967% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8469% | 4,933 |
| Loan loss allowance to noncurrent loans | 70.3611% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 1.1000% | 1,619 |
| Noncurrent loans to loans | 1.2036% | 1,680 |
| Net loans and leases to total assets | 87.3537% | 138 |
| Net loans and leases to deposits | 115.3356% | 133 |
| Net loans and leases to core deposits | 125.3249% | 336 |
| Total domestic deposits to total assets | 75.7387% | 5,257 |
| Equity capital to assets | 7.8923% | 5,570 |
| Core capital (leverage) ratio | 8.0456% | 5,544 |
| Tier 1 risk-based capital ratio | 12.2935% | 4,509 |
| Total risk-based capital ratio | 13.4517% | 4,478 |
| Memoranda: |
| Average total assets | $146,415,000 | 3,599 |
| Average earning assets | $137,331,500 | 3,569 |
| Average equity | $11,790,000 | 4,252 |
| Average total loans | $128,951,500 | 2,978 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2634% | 2,263 |
| Cost of funding earning assets | 1.5517% | 12 |
| Net interest margin | 2.7117% | 5,404 |
| Noninterest income to average assets | 0.2447% | 4,959 |
| Noninterest expense to average assets | 1.7921% | 5,478 |
| Loan and lease loss provision to assets | 0.0951% | 2,462 |
| Net operating income to assets | 0.5974% | 4,213 |
| Return on assets (ROA) | 0.5979% | 4,326 |
| Pretax return on assets | 0.9156% | 3,794 |
| Return on Equity (ROE) | 7.2031% | 3,369 |
| Retained earnings to average equity (ytd only) | 7.2031% | 1,150 |
| Net charge-offs to loans | 0.0428% | 3,178 |
| Credit loss provision to net charge-offs | 263.2653% | 1,095 |
| Earnings coverage of net charge-offs (x) | 27.9592% | 1,491 |
| Efficiency ratio | 63.9569% | 3,948 |
| Assets per employee ($millions) | 9.4253% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8877% | 4,824 |
| Loan loss allowance to noncurrent loans | 71.2444% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 1.1416% | 1,618 |
| Noncurrent loans to loans | 1.2460% | 1,648 |
| Net loans and leases to total assets | 87.2619% | 164 |
| Net loans and leases to deposits | 111.8059% | 190 |
| Net loans and leases to core deposits | 120.9866% | 457 |
| Total domestic deposits to total assets | 78.0477% | 4,973 |
| Equity capital to assets | 8.2410% | 5,451 |
| Core capital (leverage) ratio | 8.2652% | 5,458 |
| Tier 1 risk-based capital ratio | 11.4362% | 5,095 |
| Total risk-based capital ratio | 12.5165% | 5,087 |
| Memoranda: |
| Average total assets | $135,648,800 | 3,738 |
| Average earning assets | $127,925,000 | 3,687 |
| Average equity | $11,259,000 | 4,387 |
| Average total loans | $114,544,800 | 3,148 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1373% | 2,733 |
| Cost of funding earning assets | 1.5370% | 13 |
| Net interest margin | 2.6003% | 5,586 |
| Noninterest income to average assets | 0.2364% | 5,056 |
| Noninterest expense to average assets | 1.7802% | 5,536 |
| Loan and lease loss provision to assets | 0.0457% | 3,329 |
| Net operating income to assets | 0.5477% | 4,505 |
| Return on assets (ROA) | 0.5484% | 4,610 |
| Pretax return on assets | 0.8652% | 4,099 |
| Return on Equity (ROE) | 6.5942% | 3,777 |
| Retained earnings to average equity (ytd only) | 6.5942% | 1,849 |
| Net charge-offs to loans | 0.0357% | 2,914 |
| Credit loss provision to net charge-offs | 153.3333% | 1,743 |
| Earnings coverage of net charge-offs (x) | 30.5325% | 1,472 |
| Efficiency ratio | 66.1743% | 3,562 |
| Assets per employee ($millions) | 10.6805% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8760% | 4,953 |
| Loan loss allowance to noncurrent loans | 62.4250% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.2402% | 1,589 |
| Noncurrent loans to loans | 1.4033% | 1,568 |
| Net loans and leases to total assets | 84.7529% | 347 |
| Net loans and leases to deposits | 109.0825% | 280 |
| Net loans and leases to core deposits | 119.4620% | 522 |
| Total domestic deposits to total assets | 77.6962% | 4,963 |
| Equity capital to assets | 8.2494% | 5,650 |
| Core capital (leverage) ratio | 8.2227% | 5,557 |
| Tier 1 risk-based capital ratio | 12.9929% | 4,167 |
| Total risk-based capital ratio | 14.1726% | 4,121 |
| Memoranda: |
| Average total assets | $134,216,250 | 3,787 |
| Average earning assets | $126,650,500 | 3,729 |
| Average equity | $11,161,000 | 4,442 |
| Average total loans | $112,062,250 | 3,194 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1109% | 2,812 |
| Cost of funding earning assets | 1.5160% | 15 |
| Net interest margin | 2.5949% | 5,669 |
| Noninterest income to average assets | 0.2201% | 5,171 |
| Noninterest expense to average assets | 1.8286% | 5,562 |
| Loan and lease loss provision to assets | 0.0422% | 3,303 |
| Net operating income to assets | 0.5055% | 4,656 |
| Return on assets (ROA) | 0.5065% | 4,765 |
| Pretax return on assets | 0.7944% | 4,301 |
| Return on Equity (ROE) | 6.0741% | 4,013 |
| Retained earnings to average equity (ytd only) | 6.0741% | 2,078 |
| Net charge-offs to loans | 0.0546% | 2,421 |
| Credit loss provision to net charge-offs | 93.3333% | 2,202 |
| Earnings coverage of net charge-offs (x) | 18.4667% | 1,821 |
| Efficiency ratio | 68.6474% | 3,217 |
| Assets per employee ($millions) | 11.6873% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9000% | 4,959 |
| Loan loss allowance to noncurrent loans | 61.6405% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 1.2271% | 1,674 |
| Noncurrent loans to loans | 1.4600% | 1,512 |
| Net loans and leases to total assets | 80.2407% | 859 |
| Net loans and leases to deposits | 102.7229% | 523 |
| Net loans and leases to core deposits | 109.4847% | 955 |
| Total domestic deposits to total assets | 78.1138% | 4,976 |
| Equity capital to assets | 8.0236% | 5,802 |
| Core capital (leverage) ratio | 8.4500% | 5,404 |
| Tier 1 risk-based capital ratio | 13.4143% | 3,958 |
| Total risk-based capital ratio | 14.6326% | 3,879 |
| Memoranda: |
| Average total assets | $132,673,000 | 3,834 |
| Average earning assets | $124,935,000 | 3,779 |
| Average equity | $11,063,330 | 4,484 |
| Average total loans | $109,844,330 | 3,235 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0656% | 2,982 |
| Cost of funding earning assets | 1.5416% | 14 |
| Net interest margin | 2.5240% | 5,784 |
| Noninterest income to average assets | 0.2576% | 4,891 |
| Noninterest expense to average assets | 1.9149% | 5,503 |
| Loan and lease loss provision to assets | 0.0403% | 3,110 |
| Net operating income to assets | 0.4387% | 4,869 |
| Return on assets (ROA) | 0.4407% | 4,943 |
| Pretax return on assets | 0.6735% | 4,613 |
| Return on Equity (ROE) | 5.1785% | 4,411 |
| Retained earnings to average equity (ytd only) | 5.1785% | 2,831 |
| Net charge-offs to loans | 0.1111% | 1,461 |
| Credit loss provision to net charge-offs | 43.3333% | 2,117 |
| Earnings coverage of net charge-offs (x) | 7.6333% | 2,135 |
| Efficiency ratio | 72.9314% | 2,655 |
| Assets per employee ($millions) | 10.8310% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9042% | 5,048 |
| Loan loss allowance to noncurrent loans | 63.4131% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 1.2957% | 1,661 |
| Noncurrent loans to loans | 1.4259% | 1,670 |
| Net loans and leases to total assets | 84.9121% | 301 |
| Net loans and leases to deposits | 110.9210% | 205 |
| Net loans and leases to core deposits | 119.0143% | 496 |
| Total domestic deposits to total assets | 76.5519% | 5,355 |
| Equity capital to assets | 8.4957% | 5,567 |
| Core capital (leverage) ratio | 8.5697% | 5,324 |
| Tier 1 risk-based capital ratio | 13.8949% | 3,760 |
| Total risk-based capital ratio | 15.1482% | 3,690 |
| Memoranda: |
| Average total assets | $128,885,500 | 3,929 |
| Average earning assets | $120,917,000 | 3,887 |
| Average equity | $10,968,500 | 4,515 |
| Average total loans | $107,987,500 | 3,276 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3767% | 1,979 |
| Cost of funding earning assets | 1.4399% | 19 |
| Net interest margin | 2.9368% | 5,278 |
| Noninterest income to average assets | 0.2579% | 5,049 |
| Noninterest expense to average assets | 1.9177% | 5,593 |
| Loan and lease loss provision to assets | 0.0685% | 2,925 |
| Net operating income to assets | 0.6989% | 3,812 |
| Return on assets (ROA) | 0.6989% | 3,922 |
| Pretax return on assets | 1.0947% | 3,086 |
| Return on Equity (ROE) | 8.2694% | 2,812 |
| Retained earnings to average equity (ytd only) | 8.2694% | 831 |
| Net charge-offs to loans | -0.0084% | 5,069 |
| Credit loss provision to net charge-offs | -944.4444% | 5,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2449% | 4,562 |
| Assets per employee ($millions) | 11.6181% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9789% | 4,720 |
| Loan loss allowance to noncurrent loans | 53.3056% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 1.5548% | 1,278 |
| Noncurrent loans to loans | 1.8364% | 1,180 |
| Net loans and leases to total assets | 81.0507% | 703 |
| Net loans and leases to deposits | 106.1291% | 357 |
| Net loans and leases to core deposits | 114.3516% | 668 |
| Total domestic deposits to total assets | 76.3699% | 5,406 |
| Equity capital to assets | 8.5251% | 5,547 |
| Core capital (leverage) ratio | 8.6012% | 5,331 |
| Tier 1 risk-based capital ratio | 14.2580% | 3,574 |
| Total risk-based capital ratio | 15.5078% | 3,486 |
| Memoranda: |
| Average total assets | $124,057,200 | 4,007 |
| Average earning assets | $119,245,800 | 3,899 |
| Average equity | $10,484,400 | 4,570 |
| Average total loans | $106,883,200 | 3,263 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4119% | 1,890 |
| Cost of funding earning assets | 1.4067% | 25 |
| Net interest margin | 3.0052% | 5,176 |
| Noninterest income to average assets | 0.3000% | 4,788 |
| Noninterest expense to average assets | 1.8691% | 5,684 |
| Loan and lease loss provision to assets | 0.0920% | 2,327 |
| Net operating income to assets | 0.7732% | 3,565 |
| Return on assets (ROA) | 0.7732% | 3,655 |
| Pretax return on assets | 1.2399% | 2,653 |
| Return on Equity (ROE) | 9.1697% | 2,484 |
| Retained earnings to average equity (ytd only) | 9.1697% | 844 |
| Net charge-offs to loans | -0.0347% | 5,416 |
| Credit loss provision to net charge-offs | -303.5714% | 5,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3897% | 5,072 |
| Assets per employee ($millions) | 11.5683% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9982% | 4,756 |
| Loan loss allowance to noncurrent loans | 51.3035% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 1.5976% | 1,394 |
| Noncurrent loans to loans | 1.9457% | 1,192 |
| Net loans and leases to total assets | 81.2913% | 665 |
| Net loans and leases to deposits | 106.5906% | 347 |
| Net loans and leases to core deposits | 109.2311% | 919 |
| Total domestic deposits to total assets | 76.2650% | 5,449 |
| Equity capital to assets | 8.4447% | 5,738 |
| Core capital (leverage) ratio | 8.4781% | 5,566 |
| Tier 1 risk-based capital ratio | 14.7904% | 3,391 |
| Total risk-based capital ratio | 16.0429% | 3,344 |
| Memoranda: |
| Average total assets | $123,121,750 | 4,064 |
| Average earning assets | $118,857,500 | 3,938 |
| Average equity | $10,381,750 | 4,638 |
| Average total loans | $107,452,500 | 3,273 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4301% | 1,747 |
| Cost of funding earning assets | 1.3606% | 31 |
| Net interest margin | 3.0695% | 5,048 |
| Noninterest income to average assets | 0.2053% | 5,454 |
| Noninterest expense to average assets | 1.8793% | 5,744 |
| Loan and lease loss provision to assets | 0.0986% | 2,176 |
| Net operating income to assets | 0.7360% | 3,708 |
| Return on assets (ROA) | 0.7360% | 3,820 |
| Pretax return on assets | 1.1959% | 2,796 |
| Return on Equity (ROE) | 8.7327% | 2,685 |
| Retained earnings to average equity (ytd only) | 8.7327% | 1,016 |
| Net charge-offs to loans | -0.0516% | 5,560 |
| Credit loss provision to net charge-offs | -214.2857% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2133% | 5,088 |
| Assets per employee ($millions) | 12.2537% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9091% | 5,270 |
| Loan loss allowance to noncurrent loans | 49.3217% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 1.6844% | 1,412 |
| Noncurrent loans to loans | 1.8431% | 1,377 |
| Net loans and leases to total assets | 90.5580% | 52 |
| Net loans and leases to deposits | 111.2016% | 234 |
| Net loans and leases to core deposits | 114.6211% | 643 |
| Total domestic deposits to total assets | 81.4358% | 4,468 |
| Equity capital to assets | 8.5468% | 5,646 |
| Core capital (leverage) ratio | 8.5159% | 5,516 |
| Tier 1 risk-based capital ratio | 13.6312% | 4,145 |
| Total risk-based capital ratio | 14.8820% | 4,069 |
| Memoranda: |
| Average total assets | $121,745,330 | 4,125 |
| Average earning assets | $117,739,670 | 3,993 |
| Average equity | $10,260,330 | 4,691 |
| Average total loans | $108,441,000 | 3,280 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4743% | 1,536 |
| Cost of funding earning assets | 1.3607% | 34 |
| Net interest margin | 3.1136% | 4,908 |
| Noninterest income to average assets | 0.2077% | 5,470 |
| Noninterest expense to average assets | 1.9118% | 5,743 |
| Loan and lease loss provision to assets | 0.0560% | 2,814 |
| Net operating income to assets | 0.7878% | 3,325 |
| Return on assets (ROA) | 0.7878% | 3,458 |
| Pretax return on assets | 1.2493% | 2,468 |
| Return on Equity (ROE) | 9.4150% | 2,257 |
| Retained earnings to average equity (ytd only) | 9.4150% | 1,066 |
| Net charge-offs to loans | -0.1050% | 5,872 |
| Credit loss provision to net charge-offs | -60.7143% | 4,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4262% | 5,165 |
| Assets per employee ($millions) | 12.2765% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9368% | 5,307 |
| Loan loss allowance to noncurrent loans | 43.8005% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 1.8132% | 1,350 |
| Noncurrent loans to loans | 2.1388% | 1,197 |
| Net loans and leases to total assets | 83.9824% | 308 |
| Net loans and leases to deposits | 102.8018% | 426 |
| Net loans and leases to core deposits | 111.8900% | 662 |
| Total domestic deposits to total assets | 81.6935% | 4,610 |
| Equity capital to assets | 8.3705% | 5,826 |
| Core capital (leverage) ratio | 8.3808% | 5,656 |
| Tier 1 risk-based capital ratio | 15.2543% | 3,290 |
| Total risk-based capital ratio | 16.5066% | 3,214 |
| Memoranda: |
| Average total assets | $121,349,500 | 4,161 |
| Average earning assets | $117,292,000 | 4,032 |
| Average equity | $10,154,000 | 4,748 |
| Average total loans | $106,669,000 | 3,324 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2749% | 2,695 |
| Cost of funding earning assets | 1.3403% | 45 |
| Net interest margin | 2.9346% | 5,576 |
| Noninterest income to average assets | 0.0734% | 6,232 |
| Noninterest expense to average assets | 1.9463% | 5,866 |
| Loan and lease loss provision to assets | 0.1677% | 1,559 |
| Net operating income to assets | 0.4873% | 4,861 |
| Return on assets (ROA) | 0.4901% | 4,935 |
| Pretax return on assets | 0.8002% | 4,261 |
| Return on Equity (ROE) | 5.7410% | 4,291 |
| Retained earnings to average equity (ytd only) | 5.7410% | 2,106 |
| Net charge-offs to loans | 0.0776% | 3,380 |
| Credit loss provision to net charge-offs | 243.0380% | 1,050 |
| Earnings coverage of net charge-offs (x) | 13.9620% | 2,219 |
| Efficiency ratio | 66.8868% | 4,079 |
| Assets per employee ($millions) | 13.3260% | 105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8512% | 5,632 |
| Loan loss allowance to noncurrent loans | 38.5253% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 2.0386% | 1,238 |
| Noncurrent loans to loans | 2.2094% | 1,205 |
| Net loans and leases to total assets | 90.3263% | 60 |
| Net loans and leases to deposits | 111.2021% | 212 |
| Net loans and leases to core deposits | 117.5809% | 487 |
| Total domestic deposits to total assets | 81.2272% | 4,670 |
| Equity capital to assets | 8.3646% | 5,852 |
| Core capital (leverage) ratio | 8.3756% | 5,696 |
| Tier 1 risk-based capital ratio | 13.7548% | 4,263 |
| Total risk-based capital ratio | 15.0069% | 4,200 |
| Memoranda: |
| Average total assets | $114,471,000 | 4,287 |
| Average earning assets | $110,646,000 | 4,167 |
| Average equity | $9,771,800 | 4,795 |
| Average total loans | $101,769,400 | 3,384 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2764% | 2,722 |
| Cost of funding earning assets | 1.3307% | 49 |
| Net interest margin | 2.9457% | 5,610 |
| Noninterest income to average assets | 0.0660% | 6,340 |
| Noninterest expense to average assets | 1.8908% | 5,964 |
| Loan and lease loss provision to assets | 0.1780% | 1,383 |
| Net operating income to assets | 0.5853% | 4,506 |
| Return on assets (ROA) | 0.5894% | 4,578 |
| Pretax return on assets | 0.8499% | 4,178 |
| Return on Equity (ROE) | 6.8679% | 3,777 |
| Retained earnings to average equity (ytd only) | 6.8679% | 1,892 |
| Net charge-offs to loans | 0.1041% | 2,756 |
| Credit loss provision to net charge-offs | 193.5897% | 1,299 |
| Earnings coverage of net charge-offs (x) | 11.1151% | 2,468 |
| Efficiency ratio | 64.9130% | 4,389 |
| Assets per employee ($millions) | 13.3397% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8266% | 5,805 |
| Loan loss allowance to noncurrent loans | 22.8674% | 5,893 |
| Noncurrent assets plus other real estate owned to assets | 3.2718% | 680 |
| Noncurrent loans to loans | 3.6147% | 649 |
| Net loans and leases to total assets | 88.9428% | 78 |
| Net loans and leases to deposits | 109.1238% | 240 |
| Net loans and leases to core deposits | 114.7318% | 562 |
| Total domestic deposits to total assets | 81.5063% | 4,656 |
| Equity capital to assets | 8.2977% | 5,943 |
| Core capital (leverage) ratio | 8.4603% | 5,700 |
| Tier 1 risk-based capital ratio | 13.1790% | 4,745 |
| Total risk-based capital ratio | 14.3568% | 4,724 |
| Memoranda: |
| Average total assets | $113,105,250 | 4,353 |
| Average earning assets | $109,310,750 | 4,238 |
| Average equity | $9,706,750 | 4,846 |
| Average total loans | $99,896,250 | 3,449 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2617% | 2,728 |
| Cost of funding earning assets | 1.3166% | 50 |
| Net interest margin | 2.9451% | 5,644 |
| Noninterest income to average assets | 0.0397% | 6,468 |
| Noninterest expense to average assets | 1.9641% | 5,888 |
| Loan and lease loss provision to assets | 0.1155% | 2,110 |
| Net operating income to assets | 0.5891% | 4,409 |
| Return on assets (ROA) | 0.5957% | 4,472 |
| Pretax return on assets | 0.8160% | 4,211 |
| Return on Equity (ROE) | 6.8595% | 3,693 |
| Retained earnings to average equity (ytd only) | 6.8595% | 1,836 |
| Net charge-offs to loans | 0.1028% | 2,655 |
| Credit loss provision to net charge-offs | 128.0000% | 1,627 |
| Earnings coverage of net charge-offs (x) | 10.2200% | 2,272 |
| Efficiency ratio | 68.0425% | 4,000 |
| Assets per employee ($millions) | 11.4967% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8142% | 5,939 |
| Loan loss allowance to noncurrent loans | 20.7533% | 5,984 |
| Noncurrent assets plus other real estate owned to assets | 3.5610% | 639 |
| Noncurrent loans to loans | 3.9234% | 614 |
| Net loans and leases to total assets | 88.1557% | 93 |
| Net loans and leases to deposits | 106.6876% | 278 |
| Net loans and leases to core deposits | 113.3897% | 560 |
| Total domestic deposits to total assets | 82.6298% | 4,437 |
| Equity capital to assets | 8.5164% | 5,788 |
| Core capital (leverage) ratio | 8.6933% | 5,403 |
| Tier 1 risk-based capital ratio | 14.7928% | 3,758 |
| Total risk-based capital ratio | 16.0424% | 3,703 |
| Memoranda: |
| Average total assets | $110,788,000 | 4,430 |
| Average earning assets | $107,094,330 | 4,304 |
| Average equity | $9,621,670 | 4,885 |
| Average total loans | $97,304,330 | 3,506 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2340% | 2,748 |
| Cost of funding earning assets | 1.3122% | 58 |
| Net interest margin | 2.9219% | 5,707 |
| Noninterest income to average assets | 0.0221% | 6,562 |
| Noninterest expense to average assets | 1.9908% | 5,903 |
| Loan and lease loss provision to assets | 0.0920% | 2,383 |
| Net operating income to assets | 0.5457% | 4,476 |
| Return on assets (ROA) | 0.5483% | 4,535 |
| Pretax return on assets | 0.7617% | 4,265 |
| Return on Equity (ROE) | 6.2493% | 3,882 |
| Retained earnings to average equity (ytd only) | 6.2493% | 2,406 |
| Net charge-offs to loans | 0.2066% | 1,511 |
| Credit loss provision to net charge-offs | 51.0204% | 2,189 |
| Earnings coverage of net charge-offs (x) | 4.7143% | 2,488 |
| Efficiency ratio | 70.0777% | 3,826 |
| Assets per employee ($millions) | 10.9009% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8231% | 6,051 |
| Loan loss allowance to noncurrent loans | 19.5368% | 6,088 |
| Noncurrent assets plus other real estate owned to assets | 3.8254% | 647 |
| Noncurrent loans to loans | 4.2129% | 616 |
| Net loans and leases to total assets | 87.6579% | 92 |
| Net loans and leases to deposits | 107.0512% | 210 |
| Net loans and leases to core deposits | 114.8539% | 433 |
| Total domestic deposits to total assets | 81.8841% | 4,974 |
| Equity capital to assets | 8.8130% | 5,316 |
| Core capital (leverage) ratio | 8.8685% | 5,175 |
| Tier 1 risk-based capital ratio | 15.7678% | 3,288 |
| Total risk-based capital ratio | 17.0184% | 3,253 |
| Memoranda: |
| Average total assets | $108,698,500 | 4,515 |
| Average earning assets | $104,865,000 | 4,386 |
| Average equity | $9,537,000 | 4,928 |
| Average total loans | $94,865,500 | 3,588 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4955% | 2,226 |
| Cost of funding earning assets | 1.4519% | 58 |
| Net interest margin | 3.0436% | 5,464 |
| Noninterest income to average assets | -0.0467% | 6,690 |
| Noninterest expense to average assets | 2.0429% | 5,936 |
| Loan and lease loss provision to assets | 0.0995% | 3,144 |
| Net operating income to assets | 0.5092% | 4,692 |
| Return on assets (ROA) | 0.5128% | 4,807 |
| Pretax return on assets | 0.7341% | 4,403 |
| Return on Equity (ROE) | 5.4644% | 4,416 |
| Retained earnings to average equity (ytd only) | 5.4644% | 2,299 |
| Net charge-offs to loans | 0.0316% | 4,801 |
| Credit loss provision to net charge-offs | 376.9231% | 603 |
| Earnings coverage of net charge-offs (x) | 31.3846% | 1,139 |
| Efficiency ratio | 71.1457% | 3,640 |
| Assets per employee ($millions) | 10.8388% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8749% | 5,993 |
| Loan loss allowance to noncurrent loans | 21.4943% | 6,147 |
| Noncurrent assets plus other real estate owned to assets | 3.6554% | 771 |
| Noncurrent loans to loans | 4.0703% | 707 |
| Net loans and leases to total assets | 85.4024% | 184 |
| Net loans and leases to deposits | 104.3538% | 312 |
| Net loans and leases to core deposits | 111.9881% | 540 |
| Total domestic deposits to total assets | 81.8393% | 4,930 |
| Equity capital to assets | 8.7344% | 5,328 |
| Core capital (leverage) ratio | 8.7617% | 5,348 |
| Tier 1 risk-based capital ratio | 15.9052% | 3,144 |
| Total risk-based capital ratio | 17.1575% | 3,100 |
| Memoranda: |
| Average total assets | $98,485,400 | 4,783 |
| Average earning assets | $94,427,000 | 4,672 |
| Average equity | $9,241,600 | 5,034 |
| Average total loans | $82,331,800 | 3,873 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5611% | 2,007 |
| Cost of funding earning assets | 1.4691% | 57 |
| Net interest margin | 3.0920% | 5,338 |
| Noninterest income to average assets | 0.0028% | 6,734 |
| Noninterest expense to average assets | 2.0081% | 5,998 |
| Loan and lease loss provision to assets | 0.1153% | 2,847 |
| Net operating income to assets | 0.5816% | 4,421 |
| Return on assets (ROA) | 0.5749% | 4,581 |
| Pretax return on assets | 0.8305% | 4,180 |
| Return on Equity (ROE) | 6.0095% | 4,180 |
| Retained earnings to average equity (ytd only) | 6.0095% | 2,398 |
| Net charge-offs to loans | 0.0352% | 4,436 |
| Credit loss provision to net charge-offs | 395.2381% | 676 |
| Earnings coverage of net charge-offs (x) | 32.7611% | 1,158 |
| Efficiency ratio | 67.7601% | 4,138 |
| Assets per employee ($millions) | 13.2505% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8444% | 6,192 |
| Loan loss allowance to noncurrent loans | 18.3713% | 6,282 |
| Noncurrent assets plus other real estate owned to assets | 4.0848% | 761 |
| Noncurrent loans to loans | 4.5962% | 696 |
| Net loans and leases to total assets | 83.9695% | 252 |
| Net loans and leases to deposits | 102.9922% | 331 |
| Net loans and leases to core deposits | 106.2856% | 745 |
| Total domestic deposits to total assets | 81.5299% | 5,073 |
| Equity capital to assets | 8.8270% | 5,390 |
| Core capital (leverage) ratio | 9.2527% | 4,753 |
| Tier 1 risk-based capital ratio | 16.3815% | 2,998 |
| Total risk-based capital ratio | 17.6324% | 2,964 |
| Memoranda: |
| Average total assets | $96,009,750 | 4,883 |
| Average earning assets | $91,934,000 | 4,769 |
| Average equity | $9,185,250 | 5,092 |
| Average total loans | $79,569,000 | 3,981 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4663% | 2,328 |
| Cost of funding earning assets | 1.4865% | 56 |
| Net interest margin | 2.9798% | 5,613 |
| Noninterest income to average assets | 0.0043% | 6,779 |
| Noninterest expense to average assets | 2.0630% | 5,936 |
| Loan and lease loss provision to assets | 0.0950% | 3,206 |
| Net operating income to assets | 0.4676% | 4,937 |
| Return on assets (ROA) | 0.4704% | 5,101 |
| Pretax return on assets | 0.6970% | 4,689 |
| Return on Equity (ROE) | 4.7765% | 4,843 |
| Retained earnings to average equity (ytd only) | 4.7765% | 3,202 |
| Net charge-offs to loans | 0.0158% | 4,523 |
| Credit loss provision to net charge-offs | 733.3333% | 411 |
| Earnings coverage of net charge-offs (x) | 60.8333% | 694 |
| Efficiency ratio | 72.3694% | 3,409 |
| Assets per employee ($millions) | 13.5040% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9241% | 6,067 |
| Loan loss allowance to noncurrent loans | 19.8539% | 6,311 |
| Noncurrent assets plus other real estate owned to assets | 4.2305% | 800 |
| Noncurrent loans to loans | 4.6545% | 738 |
| Net loans and leases to total assets | 83.2505% | 281 |
| Net loans and leases to deposits | 92.4660% | 919 |
| Net loans and leases to core deposits | 96.0761% | 1,350 |
| Total domestic deposits to total assets | 90.0336% | 1,004 |
| Equity capital to assets | 9.7357% | 4,253 |
| Core capital (leverage) ratio | 9.8040% | 3,786 |
| Tier 1 risk-based capital ratio | 18.1717% | 2,260 |
| Total risk-based capital ratio | 19.4247% | 2,220 |
| Memoranda: |
| Average total assets | $92,678,330 | 4,993 |
| Average earning assets | $88,529,670 | 4,884 |
| Average equity | $9,128,000 | 5,144 |
| Average total loans | $76,169,000 | 4,097 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4599% | 2,318 |
| Cost of funding earning assets | 1.4166% | 84 |
| Net interest margin | 3.0433% | 5,458 |
| Noninterest income to average assets | 0.0044% | 6,842 |
| Noninterest expense to average assets | 2.1362% | 5,830 |
| Loan and lease loss provision to assets | 0.1090% | 2,881 |
| Net operating income to assets | 0.4360% | 4,975 |
| Return on assets (ROA) | 0.4360% | 5,137 |
| Pretax return on assets | 0.6626% | 4,738 |
| Return on Equity (ROE) | 4.4002% | 4,894 |
| Retained earnings to average equity (ytd only) | 4.4002% | 3,596 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4633% | 3,358 |
| Assets per employee ($millions) | 11.6055% | 154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9769% | 6,058 |
| Loan loss allowance to noncurrent loans | 16.8497% | 6,414 |
| Noncurrent assets plus other real estate owned to assets | 4.8770% | 750 |
| Noncurrent loans to loans | 5.7976% | 589 |
| Net loans and leases to total assets | 78.7181% | 539 |
| Net loans and leases to deposits | 87.4693% | 1,195 |
| Net loans and leases to core deposits | 90.9470% | 1,613 |
| Total domestic deposits to total assets | 89.9950% | 1,061 |
| Equity capital to assets | 9.8391% | 4,369 |
| Core capital (leverage) ratio | 9.8323% | 3,621 |
| Tier 1 risk-based capital ratio | 18.8337% | 2,086 |
| Total risk-based capital ratio | 20.0878% | 2,061 |
| Memoranda: |
| Average total assets | $91,753,500 | 5,059 |
| Average earning assets | $87,535,500 | 4,945 |
| Average equity | $9,090,500 | 5,206 |
| Average total loans | $74,539,000 | 4,183 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8222% | 2,112 |
| Cost of funding earning assets | 1.7620% | 61 |
| Net interest margin | 3.0602% | 5,905 |
| Noninterest income to average assets | 0.0033% | 6,812 |
| Noninterest expense to average assets | 2.0532% | 6,229 |
| Loan and lease loss provision to assets | 0.2752% | 2,444 |
| Net operating income to assets | 0.3908% | 5,135 |
| Return on assets (ROA) | 0.4254% | 5,240 |
| Pretax return on assets | 0.6675% | 4,765 |
| Return on Equity (ROE) | 4.3751% | 4,985 |
| Retained earnings to average equity (ytd only) | 4.3751% | 3,149 |
| Net charge-offs to loans | 0.1462% | 4,233 |
| Credit loss provision to net charge-offs | 228.4404% | 1,081 |
| Earnings coverage of net charge-offs (x) | 7.3761% | 2,620 |
| Efficiency ratio | 69.7971% | 3,860 |
| Assets per employee ($millions) | 11.3329% | 165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9246% | 6,211 |
| Loan loss allowance to noncurrent loans | 20.7947% | 6,367 |
| Noncurrent assets plus other real estate owned to assets | 3.7546% | 1,183 |
| Noncurrent loans to loans | 4.4465% | 967 |
| Net loans and leases to total assets | 82.2563% | 314 |
| Net loans and leases to deposits | 91.8412% | 923 |
| Net loans and leases to core deposits | 95.2379% | 1,366 |
| Total domestic deposits to total assets | 89.5635% | 1,212 |
| Equity capital to assets | 9.9776% | 4,202 |
| Core capital (leverage) ratio | 9.6875% | 3,829 |
| Tier 1 risk-based capital ratio | 19.7648% | 1,735 |
| Total risk-based capital ratio | 21.0181% | 1,705 |
| Memoranda: |
| Average total assets | $90,493,600 | 5,070 |
| Average earning assets | $86,890,600 | 4,942 |
| Average equity | $8,799,800 | 5,271 |
| Average total loans | $74,541,600 | 4,191 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8061% | 2,374 |
| Cost of funding earning assets | 1.7722% | 63 |
| Net interest margin | 3.0339% | 6,098 |
| Noninterest income to average assets | 0.0030% | 6,927 |
| Noninterest expense to average assets | 2.0165% | 6,327 |
| Loan and lease loss provision to assets | 0.3523% | 1,849 |
| Net operating income to assets | 0.3651% | 5,391 |
| Return on assets (ROA) | 0.4127% | 5,425 |
| Pretax return on assets | 0.6235% | 5,096 |
| Return on Equity (ROE) | 4.2723% | 5,164 |
| Retained earnings to average equity (ytd only) | 4.2723% | 3,889 |
| Net charge-offs to loans | 0.1757% | 3,706 |
| Credit loss provision to net charge-offs | 243.8776% | 1,135 |
| Earnings coverage of net charge-offs (x) | 6.2552% | 2,825 |
| Efficiency ratio | 69.0560% | 3,869 |
| Assets per employee ($millions) | 10.3257% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9155% | 6,340 |
| Loan loss allowance to noncurrent loans | 21.1965% | 6,461 |
| Noncurrent assets plus other real estate owned to assets | 3.6263% | 1,375 |
| Noncurrent loans to loans | 4.3193% | 1,125 |
| Net loans and leases to total assets | 81.2883% | 404 |
| Net loans and leases to deposits | 90.4251% | 1,104 |
| Net loans and leases to core deposits | 94.5291% | 1,530 |
| Total domestic deposits to total assets | 89.8957% | 895 |
| Equity capital to assets | 9.6200% | 5,035 |
| Core capital (leverage) ratio | 9.7115% | 3,941 |
| Tier 1 risk-based capital ratio | 18.4194% | 2,192 |
| Total risk-based capital ratio | 19.6721% | 2,163 |
| Memoranda: |
| Average total assets | $90,451,250 | 5,126 |
| Average earning assets | $86,971,250 | 4,988 |
| Average equity | $8,738,250 | 5,342 |
| Average total loans | $74,359,000 | 4,248 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6670% | 3,066 |
| Cost of funding earning assets | 1.8064% | 67 |
| Net interest margin | 2.8606% | 6,477 |
| Noninterest income to average assets | 0.0000% | 6,985 |
| Noninterest expense to average assets | 2.0508% | 6,333 |
| Loan and lease loss provision to assets | 0.4039% | 1,624 |
| Net operating income to assets | 0.1301% | 6,091 |
| Return on assets (ROA) | 0.1986% | 6,105 |
| Pretax return on assets | 0.4017% | 5,706 |
| Return on Equity (ROE) | 2.0528% | 6,029 |
| Retained earnings to average equity (ytd only) | 2.0528% | 5,173 |
| Net charge-offs to loans | 0.2658% | 2,988 |
| Credit loss provision to net charge-offs | 184.6939% | 1,534 |
| Earnings coverage of net charge-offs (x) | 3.1939% | 3,461 |
| Efficiency ratio | 74.5942% | 2,969 |
| Assets per employee ($millions) | 9.9290% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8604% | 6,548 |
| Loan loss allowance to noncurrent loans | 15.4311% | 6,634 |
| Noncurrent assets plus other real estate owned to assets | 4.7202% | 1,024 |
| Noncurrent loans to loans | 5.5759% | 834 |
| Net loans and leases to total assets | 82.3928% | 313 |
| Net loans and leases to deposits | 91.8237% | 969 |
| Net loans and leases to core deposits | 95.1868% | 1,495 |
| Total domestic deposits to total assets | 89.7293% | 1,090 |
| Equity capital to assets | 9.7626% | 4,681 |
| Core capital (leverage) ratio | 9.6088% | 3,984 |
| Tier 1 risk-based capital ratio | 18.7081% | 2,067 |
| Total risk-based capital ratio | 19.9590% | 2,026 |
| Memoranda: |
| Average total assets | $89,624,670 | 5,182 |
| Average earning assets | $86,136,670 | 5,041 |
| Average equity | $8,671,000 | 5,365 |
| Average total loans | $73,732,000 | 4,290 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7539% | 2,835 |
| Cost of funding earning assets | 1.8477% | 70 |
| Net interest margin | 2.9062% | 6,478 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 2.1480% | 6,155 |
| Loan and lease loss provision to assets | 0.6239% | 897 |
| Net operating income to assets | -0.2419% | 6,666 |
| Return on assets (ROA) | -0.2362% | 6,712 |
| Pretax return on assets | 0.0267% | 6,492 |
| Return on Equity (ROE) | -2.4524% | 6,719 |
| Retained earnings to average equity (ytd only) | -2.4524% | 6,330 |
| Net charge-offs to loans | 0.5336% | 1,752 |
| Credit loss provision to net charge-offs | 142.8571% | 1,723 |
| Earnings coverage of net charge-offs (x) | 1.4694% | 3,590 |
| Efficiency ratio | 76.9968% | 2,648 |
| Assets per employee ($millions) | 11.1400% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8081% | 6,723 |
| Loan loss allowance to noncurrent loans | 14.8820% | 6,690 |
| Noncurrent assets plus other real estate owned to assets | 4.6028% | 1,158 |
| Noncurrent loans to loans | 5.4299% | 988 |
| Net loans and leases to total assets | 82.5045% | 248 |
| Net loans and leases to deposits | 91.9066% | 803 |
| Net loans and leases to core deposits | 94.9496% | 1,378 |
| Total domestic deposits to total assets | 89.7700% | 1,210 |
| Equity capital to assets | 9.6634% | 4,571 |
| Core capital (leverage) ratio | 9.4015% | 4,193 |
| Tier 1 risk-based capital ratio | 19.2496% | 1,921 |
| Total risk-based capital ratio | 20.5018% | 1,889 |
| Memoranda: |
| Average total assets | $89,756,500 | 5,214 |
| Average earning assets | $86,160,000 | 5,074 |
| Average equity | $8,644,500 | 5,384 |
| Average total loans | $73,465,000 | 4,332 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9287% | 3,212 |
| Cost of funding earning assets | 1.9686% | 111 |
| Net interest margin | 2.9601% | 6,587 |
| Noninterest income to average assets | 0.0057% | 6,968 |
| Noninterest expense to average assets | 1.9396% | 6,779 |
| Loan and lease loss provision to assets | 0.1706% | 4,506 |
| Net operating income to assets | 0.4614% | 4,585 |
| Return on assets (ROA) | 0.4614% | 4,788 |
| Pretax return on assets | 0.7362% | 4,205 |
| Return on Equity (ROE) | 4.7251% | 4,517 |
| Retained earnings to average equity (ytd only) | 4.7251% | 2,835 |
| Net charge-offs to loans | 0.0437% | 5,866 |
| Credit loss provision to net charge-offs | 496.6667% | 462 |
| Earnings coverage of net charge-offs (x) | 26.4000% | 942 |
| Efficiency ratio | 68.1416% | 4,331 |
| Assets per employee ($millions) | 11.2991% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7651% | 6,812 |
| Loan loss allowance to noncurrent loans | 15.3825% | 6,736 |
| Noncurrent assets plus other real estate owned to assets | 4.1430% | 1,375 |
| Noncurrent loans to loans | 4.9737% | 1,137 |
| Net loans and leases to total assets | 79.9243% | 501 |
| Net loans and leases to deposits | 89.5264% | 1,205 |
| Net loans and leases to core deposits | 92.4453% | 1,846 |
| Total domestic deposits to total assets | 89.2746% | 1,383 |
| Equity capital to assets | 9.5992% | 4,747 |
| Core capital (leverage) ratio | 9.4355% | 4,133 |
| Tier 1 risk-based capital ratio | 18.6334% | 2,014 |
| Total risk-based capital ratio | 19.8443% | 1,983 |
| Memoranda: |
| Average total assets | $87,336,400 | 5,252 |
| Average earning assets | $83,815,200 | 5,126 |
| Average equity | $8,529,000 | 5,397 |
| Average total loans | $68,690,000 | 4,540 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9608% | 3,284 |
| Cost of funding earning assets | 1.9670% | 134 |
| Net interest margin | 2.9938% | 6,593 |
| Noninterest income to average assets | 0.0062% | 7,090 |
| Noninterest expense to average assets | 1.9005% | 6,848 |
| Loan and lease loss provision to assets | 0.1956% | 4,067 |
| Net operating income to assets | 0.4928% | 4,574 |
| Return on assets (ROA) | 0.4928% | 4,764 |
| Pretax return on assets | 0.7839% | 4,190 |
| Return on Equity (ROE) | 5.0243% | 4,519 |
| Retained earnings to average equity (ytd only) | 5.0243% | 3,157 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9893% | 4,720 |
| Assets per employee ($millions) | 11.3565% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7961% | 6,827 |
| Loan loss allowance to noncurrent loans | 15.5819% | 6,800 |
| Noncurrent assets plus other real estate owned to assets | 4.0351% | 1,522 |
| Noncurrent loans to loans | 5.1093% | 1,202 |
| Net loans and leases to total assets | 77.4931% | 769 |
| Net loans and leases to deposits | 88.9804% | 1,323 |
| Net loans and leases to core deposits | 91.9328% | 2,002 |
| Total domestic deposits to total assets | 87.0900% | 2,600 |
| Equity capital to assets | 9.5881% | 4,949 |
| Core capital (leverage) ratio | 9.6605% | 3,901 |
| Tier 1 risk-based capital ratio | 14.5183% | 3,966 |
| Total risk-based capital ratio | 15.4726% | 4,149 |
| Memoranda: |
| Average total assets | $86,572,250 | 5,311 |
| Average earning assets | $83,102,250 | 5,185 |
| Average equity | $8,492,000 | 5,437 |
| Average total loans | $67,661,750 | 4,607 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0757% | 2,794 |
| Cost of funding earning assets | 1.9853% | 149 |
| Net interest margin | 3.0904% | 6,427 |
| Noninterest income to average assets | 0.0047% | 7,177 |
| Noninterest expense to average assets | 1.8627% | 6,990 |
| Loan and lease loss provision to assets | 0.2607% | 3,315 |
| Net operating income to assets | 0.5966% | 4,079 |
| Return on assets (ROA) | 0.5966% | 4,216 |
| Pretax return on assets | 0.8503% | 3,829 |
| Return on Equity (ROE) | 6.0340% | 3,951 |
| Retained earnings to average equity (ytd only) | 6.0340% | 2,410 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6382% | 5,473 |
| Assets per employee ($millions) | 9.6949% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7948% | 6,878 |
| Loan loss allowance to noncurrent loans | 14.8098% | 6,870 |
| Noncurrent assets plus other real estate owned to assets | 4.2863% | 1,481 |
| Noncurrent loans to loans | 5.3666% | 1,186 |
| Net loans and leases to total assets | 78.5362% | 702 |
| Net loans and leases to deposits | 91.7657% | 1,082 |
| Net loans and leases to core deposits | 94.9784% | 1,800 |
| Total domestic deposits to total assets | 85.5835% | 3,573 |
| Equity capital to assets | 9.8414% | 4,342 |
| Core capital (leverage) ratio | 9.7423% | 3,613 |
| Tier 1 risk-based capital ratio | 15.1766% | 3,408 |
| Total risk-based capital ratio | 16.1534% | 3,519 |
| Memoranda: |
| Average total assets | $85,145,670 | 5,391 |
| Average earning assets | $81,802,330 | 5,268 |
| Average equity | $8,419,000 | 5,485 |
| Average total loans | $66,559,330 | 4,700 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0300% | 2,959 |
| Cost of funding earning assets | 1.9872% | 175 |
| Net interest margin | 3.0428% | 6,479 |
| Noninterest income to average assets | 0.0048% | 7,284 |
| Noninterest expense to average assets | 1.8979% | 6,988 |
| Loan and lease loss provision to assets | 0.1903% | 3,725 |
| Net operating income to assets | 0.5708% | 4,175 |
| Return on assets (ROA) | 0.5708% | 4,253 |
| Pretax return on assets | 0.8372% | 3,753 |
| Return on Equity (ROE) | 5.7588% | 4,040 |
| Retained earnings to average equity (ytd only) | 5.7588% | 2,773 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8780% | 5,208 |
| Assets per employee ($millions) | 12.1007% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7226% | 7,050 |
| Loan loss allowance to noncurrent loans | 17.8092% | 6,843 |
| Noncurrent assets plus other real estate owned to assets | 3.2076% | 2,147 |
| Noncurrent loans to loans | 4.0574% | 1,782 |
| Net loans and leases to total assets | 77.5314% | 800 |
| Net loans and leases to deposits | 90.8127% | 1,142 |
| Net loans and leases to core deposits | 94.0887% | 1,871 |
| Total domestic deposits to total assets | 85.3751% | 3,850 |
| Equity capital to assets | 9.9203% | 3,874 |
| Core capital (leverage) ratio | 10.0119% | 3,130 |
| Tier 1 risk-based capital ratio | 12.1425% | 5,559 |
| Total risk-based capital ratio | 12.8337% | 6,026 |
| Memoranda: |
| Average total assets | $84,091,500 | 5,467 |
| Average earning assets | $80,715,500 | 5,337 |
| Average equity | $8,335,000 | 5,507 |
| Average total loans | $65,301,500 | 4,795 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2301% | 3,460 |
| Cost of funding earning assets | 2.5522% | 91 |
| Net interest margin | 2.6779% | 7,138 |
| Noninterest income to average assets | 0.0012% | 7,276 |
| Noninterest expense to average assets | 1.7421% | 7,315 |
| Loan and lease loss provision to assets | 0.3218% | 4,242 |
| Net operating income to assets | 0.2728% | 5,026 |
| Return on assets (ROA) | 0.5193% | 4,160 |
| Pretax return on assets | 0.8412% | 3,496 |
| Return on Equity (ROE) | 5.1768% | 3,994 |
| Retained earnings to average equity (ytd only) | 5.1768% | 2,323 |
| Net charge-offs to loans | 0.1103% | 5,770 |
| Credit loss provision to net charge-offs | 412.5000% | 587 |
| Earnings coverage of net charge-offs (x) | 9.9688% | 1,771 |
| Efficiency ratio | 69.1340% | 4,349 |
| Assets per employee ($millions) | 11.9254% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6796% | 7,163 |
| Loan loss allowance to noncurrent loans | 22.7888% | 6,705 |
| Noncurrent assets plus other real estate owned to assets | 2.3419% | 2,927 |
| Noncurrent loans to loans | 2.9821% | 2,563 |
| Net loans and leases to total assets | 76.6837% | 1,144 |
| Net loans and leases to deposits | 90.0528% | 1,514 |
| Net loans and leases to core deposits | 92.6624% | 2,425 |
| Total domestic deposits to total assets | 85.1542% | 3,776 |
| Equity capital to assets | 9.9032% | 3,874 |
| Core capital (leverage) ratio | 9.6189% | 3,525 |
| Tier 1 risk-based capital ratio | 18.9557% | 1,734 |
| Total risk-based capital ratio | 19.9588% | 1,757 |
| Memoranda: |
| Average total assets | $82,026,600 | 5,531 |
| Average earning assets | $77,149,600 | 5,442 |
| Average equity | $8,229,000 | 5,649 |
| Average total loans | $58,009,800 | 5,154 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3670% | 3,044 |
| Cost of funding earning assets | 2.6102% | 93 |
| Net interest margin | 2.7568% | 7,172 |
| Noninterest income to average assets | 0.0016% | 7,432 |
| Noninterest expense to average assets | 1.5739% | 7,517 |
| Loan and lease loss provision to assets | 0.2204% | 4,857 |
| Net operating income to assets | 0.6226% | 3,782 |
| Return on assets (ROA) | 1.0302% | 2,243 |
| Pretax return on assets | 1.3029% | 2,160 |
| Return on Equity (ROE) | 10.2355% | 2,034 |
| Retained earnings to average equity (ytd only) | 10.2355% | 745 |
| Net charge-offs to loans | 0.0284% | 6,279 |
| Credit loss provision to net charge-offs | 1,125.0000% | 258 |
| Earnings coverage of net charge-offs (x) | 51.4156% | 558 |
| Efficiency ratio | 60.9741% | 5,802 |
| Assets per employee ($millions) | 17.6072% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5633% | 7,397 |
| Loan loss allowance to noncurrent loans | 18.7891% | 6,951 |
| Noncurrent assets plus other real estate owned to assets | 2.1764% | 3,239 |
| Noncurrent loans to loans | 2.9982% | 2,658 |
| Net loans and leases to total assets | 72.1796% | 2,215 |
| Net loans and leases to deposits | 91.0816% | 1,563 |
| Net loans and leases to core deposits | 92.8110% | 2,683 |
| Total domestic deposits to total assets | 79.2471% | 5,956 |
| Equity capital to assets | 9.7403% | 4,483 |
| Core capital (leverage) ratio | 10.1837% | 3,057 |
| Tier 1 risk-based capital ratio | 20.9260% | 1,371 |
| Total risk-based capital ratio | 21.8098% | 1,417 |
| Memoranda: |
| Average total assets | $81,663,750 | 5,614 |
| Average earning assets | $76,415,000 | 5,533 |
| Average equity | $8,219,500 | 5,724 |
| Average total loans | $56,399,250 | 5,295 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2612% | 3,644 |
| Cost of funding earning assets | 2.6199% | 120 |
| Net interest margin | 2.6413% | 7,312 |
| Noninterest income to average assets | 0.0025% | 7,518 |
| Noninterest expense to average assets | 1.5162% | 7,608 |
| Loan and lease loss provision to assets | 0.1634% | 5,254 |
| Net operating income to assets | 0.5566% | 4,049 |
| Return on assets (ROA) | 0.6387% | 3,833 |
| Pretax return on assets | 0.9354% | 3,359 |
| Return on Equity (ROE) | 6.2708% | 3,663 |
| Retained earnings to average equity (ytd only) | 6.2708% | 2,187 |
| Net charge-offs to loans | 0.1113% | 5,045 |
| Credit loss provision to net charge-offs | 216.6667% | 1,803 |
| Earnings coverage of net charge-offs (x) | 12.9667% | 1,626 |
| Efficiency ratio | 60.7863% | 5,900 |
| Assets per employee ($millions) | 16.4372% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4772% | 7,531 |
| Loan loss allowance to noncurrent loans | 13.9059% | 7,174 |
| Noncurrent assets plus other real estate owned to assets | 2.3800% | 3,030 |
| Noncurrent loans to loans | 3.4314% | 2,316 |
| Net loans and leases to total assets | 69.0276% | 3,127 |
| Net loans and leases to deposits | 88.7046% | 2,052 |
| Net loans and leases to core deposits | 89.8282% | 3,297 |
| Total domestic deposits to total assets | 77.8174% | 6,306 |
| Equity capital to assets | 10.0942% | 3,896 |
| Core capital (leverage) ratio | 10.1308% | 3,021 |
| Tier 1 risk-based capital ratio | 13.3009% | 4,208 |
| Total risk-based capital ratio | 13.7449% | 4,844 |
| Memoranda: |
| Average total assets | $79,539,670 | 5,713 |
| Average earning assets | $75,040,000 | 5,603 |
| Average equity | $8,101,000 | 5,761 |
| Average total loans | $53,897,670 | 5,429 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2759% | 3,660 |
| Cost of funding earning assets | 2.6541% | 141 |
| Net interest margin | 2.6217% | 7,368 |
| Noninterest income to average assets | 0.0153% | 7,609 |
| Noninterest expense to average assets | 1.2785% | 7,811 |
| Loan and lease loss provision to assets | 0.2046% | 4,454 |
| Net operating income to assets | 0.7268% | 3,326 |
| Return on assets (ROA) | 0.8285% | 2,937 |
| Pretax return on assets | 1.1609% | 2,510 |
| Return on Equity (ROE) | 8.0965% | 2,839 |
| Retained earnings to average equity (ytd only) | 8.0965% | 1,668 |
| Net charge-offs to loans | 0.2292% | 3,546 |
| Credit loss provision to net charge-offs | 133.3333% | 2,648 |
| Earnings coverage of net charge-offs (x) | 7.9667% | 2,010 |
| Efficiency ratio | 51.1247% | 7,230 |
| Assets per employee ($millions) | 15.9642% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4653% | 7,622 |
| Loan loss allowance to noncurrent loans | 18.8982% | 7,066 |
| Noncurrent assets plus other real estate owned to assets | 1.6374% | 4,027 |
| Noncurrent loans to loans | 2.4623% | 3,205 |
| Net loans and leases to total assets | 66.1906% | 3,806 |
| Net loans and leases to deposits | 85.5127% | 2,676 |
| Net loans and leases to core deposits | 86.6344% | 3,808 |
| Total domestic deposits to total assets | 77.4044% | 6,469 |
| Equity capital to assets | 10.1214% | 3,717 |
| Core capital (leverage) ratio | 10.2781% | 2,831 |
| Tier 1 risk-based capital ratio | 13.8807% | 3,740 |
| Total risk-based capital ratio | 14.3064% | 4,263 |
| Memoranda: |
| Average total assets | $78,216,500 | 5,818 |
| Average earning assets | $74,149,000 | 5,701 |
| Average equity | $8,003,500 | 5,844 |
| Average total loans | $52,345,000 | 5,566 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8078% | 2,626 |
| Cost of funding earning assets | 3.1146% | 163 |
| Net interest margin | 2.6932% | 7,217 |
| Noninterest income to average assets | 0.0015% | 7,690 |
| Noninterest expense to average assets | 1.6072% | 7,763 |
| Loan and lease loss provision to assets | 0.0356% | 7,181 |
| Net operating income to assets | 0.7313% | 2,806 |
| Return on assets (ROA) | 0.7473% | 2,826 |
| Pretax return on assets | 0.9667% | 2,706 |
| Return on Equity (ROE) | 6.6640% | 2,923 |
| Retained earnings to average equity (ytd only) | 6.6640% | 1,089 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0848% | 6,140 |
| Assets per employee ($millions) | 19.1530% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4592% | 7,704 |
| Loan loss allowance to noncurrent loans | 17.2867% | 7,173 |
| Noncurrent assets plus other real estate owned to assets | 1.7895% | 3,684 |
| Noncurrent loans to loans | 2.6565% | 2,889 |
| Net loans and leases to total assets | 67.0548% | 3,913 |
| Net loans and leases to deposits | 87.5818% | 2,631 |
| Net loans and leases to core deposits | 130.3924% | 1,257 |
| Total domestic deposits to total assets | 76.5624% | 6,574 |
| Equity capital to assets | 10.3482% | 3,343 |
| Core capital (leverage) ratio | 10.3329% | 2,757 |
| Tier 1 risk-based capital ratio | 14.0695% | 3,457 |
| Total risk-based capital ratio | 14.4920% | 3,932 |
| Memoranda: |
| Average total assets | $67,446,200 | 6,095 |
| Average earning assets | $64,791,800 | 5,965 |
| Average equity | $7,563,000 | 6,066 |
| Average total loans | $44,371,400 | 5,911 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2881% | 5,496 |
| Cost of funding earning assets | 3.2018% | 187 |
| Net interest margin | 2.0864% | 7,779 |
| Noninterest income to average assets | 0.0020% | 7,826 |
| Noninterest expense to average assets | 1.2319% | 7,984 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5934% | 3,624 |
| Return on assets (ROA) | 0.5996% | 3,659 |
| Pretax return on assets | 0.7878% | 3,580 |
| Return on Equity (ROE) | 5.2285% | 3,867 |
| Retained earnings to average equity (ytd only) | 5.2285% | 2,356 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2411% | 6,233 |
| Assets per employee ($millions) | 15.4792% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4391% | 7,785 |
| Loan loss allowance to noncurrent loans | 22.8388% | 6,921 |
| Noncurrent assets plus other real estate owned to assets | 1.2107% | 4,651 |
| Noncurrent loans to loans | 1.9224% | 3,742 |
| Net loans and leases to total assets | 62.6996% | 5,119 |
| Net loans and leases to deposits | 82.0850% | 4,006 |
| Net loans and leases to core deposits | 122.3791% | 2,039 |
| Total domestic deposits to total assets | 76.3838% | 6,501 |
| Equity capital to assets | 9.9075% | 4,206 |
| Core capital (leverage) ratio | 9.9335% | 3,361 |
| Tier 1 risk-based capital ratio | 13.9147% | 3,600 |
| Total risk-based capital ratio | 14.3069% | 4,087 |
| Memoranda: |
| Average total assets | $65,154,750 | 6,204 |
| Average earning assets | $62,755,500 | 6,078 |
| Average equity | $7,471,750 | 6,164 |
| Average total loans | $42,562,000 | 6,041 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4397% | 4,943 |
| Cost of funding earning assets | 3.2863% | 214 |
| Net interest margin | 2.1534% | 7,773 |
| Noninterest income to average assets | 0.0196% | 7,869 |
| Noninterest expense to average assets | 1.2215% | 8,081 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6668% | 3,405 |
| Return on assets (ROA) | 0.6517% | 3,568 |
| Pretax return on assets | 0.8514% | 3,504 |
| Return on Equity (ROE) | 5.3738% | 3,921 |
| Retained earnings to average equity (ytd only) | 5.3738% | 2,305 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3725% | 6,800 |
| Assets per employee ($millions) | 14.5964% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5053% | 7,780 |
| Loan loss allowance to noncurrent loans | 39.4107% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 0.7440% | 5,546 |
| Noncurrent loans to loans | 1.2821% | 4,637 |
| Net loans and leases to total assets | 57.7362% | 6,001 |
| Net loans and leases to deposits | 74.6647% | 5,355 |
| Net loans and leases to core deposits | 107.5555% | 3,656 |
| Total domestic deposits to total assets | 77.3273% | 6,246 |
| Equity capital to assets | 10.2943% | 3,624 |
| Core capital (leverage) ratio | 11.2459% | 2,232 |
| Tier 1 risk-based capital ratio | 20.2775% | 1,520 |
| Total risk-based capital ratio | 20.8562% | 1,611 |
| Memoranda: |
| Average total assets | $61,074,330 | 6,408 |
| Average earning assets | $58,789,670 | 6,278 |
| Average equity | $7,406,330 | 6,217 |
| Average total loans | $40,502,330 | 6,181 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6601% | 3,994 |
| Cost of funding earning assets | 3.4407% | 170 |
| Net interest margin | 2.2193% | 7,778 |
| Noninterest income to average assets | 0.0145% | 8,001 |
| Noninterest expense to average assets | 1.1176% | 8,142 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7983% | 3,140 |
| Return on assets (ROA) | 0.7983% | 3,299 |
| Pretax return on assets | 1.0595% | 3,147 |
| Return on Equity (ROE) | 5.9840% | 4,047 |
| Retained earnings to average equity (ytd only) | 5.9840% | 2,634 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3333% | 7,481 |
| Assets per employee ($millions) | 12.1334% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5415% | 7,768 |
| Loan loss allowance to noncurrent loans | 33.9144% | 6,273 |
| Noncurrent assets plus other real estate owned to assets | 1.0401% | 4,612 |
| Noncurrent loans to loans | 1.5967% | 3,886 |
| Net loans and leases to total assets | 64.7881% | 4,847 |
| Net loans and leases to deposits | 83.0095% | 4,129 |
| Net loans and leases to core deposits | 103.5214% | 4,188 |
| Total domestic deposits to total assets | 78.0490% | 5,999 |
| Equity capital to assets | 12.2109% | 2,130 |
| Core capital (leverage) ratio | 13.4828% | 1,324 |
| Tier 1 risk-based capital ratio | 17.4561% | 2,198 |
| Total risk-based capital ratio | 17.9603% | 2,372 |
| Memoranda: |
| Average total assets | $55,120,500 | 6,667 |
| Average earning assets | $53,709,500 | 6,513 |
| Average equity | $7,353,000 | 6,274 |
| Average total loans | $39,578,000 | 6,254 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2535% | 4,221 |
| Cost of funding earning assets | 3.6396% | 329 |
| Net interest margin | 2.6138% | 7,628 |
| Noninterest income to average assets | 0.0187% | 8,036 |
| Noninterest expense to average assets | 1.6351% | 7,929 |
| Loan and lease loss provision to assets | 0.2223% | 4,665 |
| Net operating income to assets | 0.2452% | 5,723 |
| Return on assets (ROA) | 0.2452% | 5,534 |
| Pretax return on assets | 0.6919% | 4,427 |
| Return on Equity (ROE) | 1.6111% | 5,736 |
| Retained earnings to average equity (ytd only) | 1.6111% | 4,246 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1402% | 5,528 |
| Assets per employee ($millions) | 12.3935% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5399% | 7,778 |
| Loan loss allowance to noncurrent loans | 31.8927% | 6,602 |
| Noncurrent assets plus other real estate owned to assets | 1.3535% | 3,497 |
| Noncurrent loans to loans | 1.6929% | 3,230 |
| Net loans and leases to total assets | 79.5235% | 1,770 |
| Net loans and leases to deposits | 108.3615% | 948 |
| Net loans and leases to core deposits | 129.9160% | 1,858 |
| Total domestic deposits to total assets | 73.3873% | 6,756 |
| Equity capital to assets | 14.7214% | 1,243 |
| Core capital (leverage) ratio | 15.3720% | 948 |
| Tier 1 risk-based capital ratio | 18.1529% | 2,005 |
| Total risk-based capital ratio | 18.6852% | 2,142 |
| Memoranda: |
| Average total assets | $48,130,400 | 6,854 |
| Average earning assets | $46,598,200 | 6,736 |
| Average equity | $7,324,000 | 6,344 |
| Average total loans | $39,736,400 | 6,171 |
