Home > Bank of Franklin > Performance and Condition Ratios
Bank of Franklin, Performance and Condition Ratios
| 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 | 5.6603% | 973 |
| Cost of funding earning assets | 1.4878% | 1,973 |
| Net interest margin | 4.1725% | 975 |
| Noninterest income to average assets | 2.1900% | 244 |
| Noninterest expense to average assets | 3.1871% | 838 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 2.2691% | 311 |
| Return on assets (ROA) | 1.4578% | 1,070 |
| Pretax return on assets | 1.8358% | 850 |
| Return on Equity (ROE) | 16.0500% | 1,089 |
| Retained earnings to average equity (ytd only) | 16.0501% | 266 |
| Net charge-offs to loans | 0.0081% | 2,369 |
| Credit loss provision to net charge-offs | 300.0000% | 959 |
| Earnings coverage of net charge-offs (x) | 522.5000% | 280 |
| Efficiency ratio | 52.3194% | 3,802 |
| Assets per employee ($millions) | 4.5343% | 3,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 1,640 |
| Loan loss allowance to noncurrent loans | 1,147.8022% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.6823% | 773 |
| Noncurrent loans to loans | 0.1161% | 2,941 |
| Net loans and leases to total assets | 69.6300% | 1,850 |
| Net loans and leases to deposits | 77.8275% | 2,279 |
| Net loans and leases to core deposits | 83.7655% | 2,470 |
| Total domestic deposits to total assets | 89.4700% | 914 |
| Equity capital to assets | 10.2773% | 1,855 |
| Core capital (leverage) ratio | 10.8511% | 2,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $215,872,200 | 2,868 |
| Average earning assets | $201,845,000 | 2,846 |
| Average equity | $19,607,400 | 2,893 |
| Average total loans | $148,255,600 | 2,690 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 34,174.0000% | 23 |
| Cost of funding earning assets | 54.0000% | 26 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0017% | 4,553 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 2.3021% | 321 |
| Pretax return on assets | 3.0169% | 230 |
| Return on Equity (ROE) | 26.2400% | 343 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 0.0000% | 4,602 |
| Assets per employee ($millions) | 0.2183% | 4,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0017% | 3,814 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 105.0000% | 18 |
| Equity capital to assets | 3,814.0000% | 33 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $4,527,000 | 4,609 |
| Average earning assets | $8,809 | 4,593 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2832% | 1,102 |
| Cost of funding earning assets | 1.2190% | 1,931 |
| Net interest margin | 4.0641% | 1,140 |
| Noninterest income to average assets | 0.8300% | 808 |
| Noninterest expense to average assets | 3.0812% | 924 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.2110% | 1,804 |
| Return on assets (ROA) | 1.2110% | 1,789 |
| Pretax return on assets | 1.5387% | 1,521 |
| Return on Equity (ROE) | 14.0100% | 1,681 |
| Retained earnings to average equity (ytd only) | 14.0071% | 676 |
| Net charge-offs to loans | -0.0292% | 4,235 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.4618% | 2,179 |
| Assets per employee ($millions) | 4.4403% | 3,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 1,487 |
| Loan loss allowance to noncurrent loans | 1,887.3874% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.6489% | 822 |
| Noncurrent loans to loans | 0.0748% | 3,149 |
| Net loans and leases to total assets | 68.6600% | 1,888 |
| Net loans and leases to deposits | 78.0746% | 2,126 |
| Net loans and leases to core deposits | 83.3912% | 2,243 |
| Total domestic deposits to total assets | 87.9400% | 1,623 |
| Equity capital to assets | 8.7583% | 2,686 |
| Core capital (leverage) ratio | 10.7501% | 2,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $210,569,667 | 2,933 |
| Average earning assets | $197,041,333 | 2,913 |
| Average equity | $18,205,000 | 3,006 |
| Average total loans | $144,079,000 | 2,726 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0655% | 1,117 |
| Cost of funding earning assets | 1.0890% | 1,782 |
| Net interest margin | 3.9766% | 1,312 |
| Noninterest income to average assets | 0.8100% | 834 |
| Noninterest expense to average assets | 3.1784% | 829 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.0722% | 2,313 |
| Return on assets (ROA) | 1.0722% | 2,284 |
| Pretax return on assets | 1.3398% | 2,058 |
| Return on Equity (ROE) | 12.4800% | 2,100 |
| Retained earnings to average equity (ytd only) | 12.4847% | 1,179 |
| Net charge-offs to loans | 0.0282% | 1,131 |
| Credit loss provision to net charge-offs | 90.0000% | 1,177 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 944 |
| Efficiency ratio | 70.0801% | 1,741 |
| Assets per employee ($millions) | 4.3887% | 4,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 1,442 |
| Loan loss allowance to noncurrent loans | 8,600.0000% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.5701% | 905 |
| Noncurrent loans to loans | 0.0168% | 3,677 |
| Net loans and leases to total assets | 66.7100% | 1,986 |
| Net loans and leases to deposits | 73.5337% | 2,333 |
| Net loans and leases to core deposits | 78.0160% | 2,388 |
| Total domestic deposits to total assets | 90.7200% | 901 |
| Equity capital to assets | 8.7013% | 2,736 |
| Core capital (leverage) ratio | 10.6881% | 2,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $209,287,000 | 2,976 |
| Average earning assets | $196,149,500 | 2,951 |
| Average equity | $17,974,000 | 3,049 |
| Average total loans | $141,906,500 | 2,783 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8034% | 428 |
| Cost of funding earning assets | 0.3915% | 2,164 |
| Net interest margin | 4.4119% | 342 |
| Noninterest income to average assets | 0.9600% | 695 |
| Noninterest expense to average assets | 3.2156% | 702 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.3647% | 1,229 |
| Return on assets (ROA) | 1.3727% | 1,161 |
| Pretax return on assets | 1.7640% | 794 |
| Return on Equity (ROE) | 15.6900% | 1,105 |
| Retained earnings to average equity (ytd only) | 15.6861% | 240 |
| Net charge-offs to loans | -0.0478% | 4,339 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.1009% | 2,618 |
| Assets per employee ($millions) | 4.3316% | 4,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 1,304 |
| Loan loss allowance to noncurrent loans | 4,591.1111% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.6050% | 826 |
| Noncurrent loans to loans | 0.0319% | 3,552 |
| Net loans and leases to total assets | 66.9300% | 1,937 |
| Net loans and leases to deposits | 77.5250% | 1,996 |
| Net loans and leases to core deposits | 81.1462% | 2,062 |
| Total domestic deposits to total assets | 86.3300% | 2,633 |
| Equity capital to assets | 8.4736% | 2,723 |
| Core capital (leverage) ratio | 10.7051% | 2,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $197,566,000 | 3,056 |
| Average earning assets | $185,203,800 | 3,036 |
| Average equity | $17,289,200 | 3,185 |
| Average total loans | $127,495,400 | 2,854 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7262% | 336 |
| Cost of funding earning assets | 0.3108% | 2,050 |
| Net interest margin | 4.4154% | 270 |
| Noninterest income to average assets | 0.9800% | 698 |
| Noninterest expense to average assets | 3.2187% | 672 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.3948% | 1,108 |
| Return on assets (ROA) | 1.4094% | 1,036 |
| Pretax return on assets | 1.8114% | 715 |
| Return on Equity (ROE) | 15.9700% | 985 |
| Retained earnings to average equity (ytd only) | 15.9698% | 279 |
| Net charge-offs to loans | -0.0064% | 3,558 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.8774% | 2,705 |
| Assets per employee ($millions) | 4.1849% | 4,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 1,599 |
| Loan loss allowance to noncurrent loans | 3,195.0000% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.6432% | 821 |
| Noncurrent loans to loans | 0.0439% | 3,574 |
| Net loans and leases to total assets | 67.1500% | 1,768 |
| Net loans and leases to deposits | 77.6508% | 1,748 |
| Net loans and leases to core deposits | 80.6615% | 1,857 |
| Total domestic deposits to total assets | 86.4800% | 2,929 |
| Equity capital to assets | 8.2902% | 2,687 |
| Core capital (leverage) ratio | 10.7070% | 1,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $194,978,250 | 3,097 |
| Average earning assets | $182,720,500 | 3,073 |
| Average equity | $17,207,000 | 3,223 |
| Average total loans | $124,064,750 | 2,889 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5943% | 312 |
| Cost of funding earning assets | 0.3073% | 1,662 |
| Net interest margin | 4.2869% | 280 |
| Noninterest income to average assets | 1.0486% | 603 |
| Noninterest expense to average assets | 3.1998% | 631 |
| Loan and lease loss provision to assets | 0.0580% | 1,544 |
| Net operating income to assets | 1.4151% | 873 |
| Return on assets (ROA) | 1.4372% | 802 |
| Pretax return on assets | 1.8372% | 546 |
| Return on Equity (ROE) | 15.9502% | 711 |
| Retained earnings to average equity (ytd only) | 15.9502% | 194 |
| Net charge-offs to loans | 0.0768% | 696 |
| Credit loss provision to net charge-offs | 121.7391% | 1,178 |
| Earnings coverage of net charge-offs (x) | 39.1739% | 1,269 |
| Efficiency ratio | 63.1493% | 2,891 |
| Assets per employee ($millions) | 4.1906% | 4,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3995% | 1,749 |
| Loan loss allowance to noncurrent loans | 6,300.0000% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.6344% | 870 |
| Noncurrent loans to loans | 0.0222% | 3,796 |
| Net loans and leases to total assets | 61.7857% | 2,143 |
| Net loans and leases to deposits | 67.5435% | 2,431 |
| Net loans and leases to core deposits | 69.7109% | 2,506 |
| Total domestic deposits to total assets | 91.4755% | 1,037 |
| Equity capital to assets | 8.1298% | 3,022 |
| Core capital (leverage) ratio | 10.2609% | 2,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,012,333 | 3,139 |
| Average earning assets | $180,921,667 | 3,123 |
| Average equity | $17,391,667 | 3,285 |
| Average total loans | $119,815,667 | 2,947 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6964% | 227 |
| Cost of funding earning assets | 0.3090% | 1,564 |
| Net interest margin | 4.3873% | 204 |
| Noninterest income to average assets | 0.8701% | 889 |
| Noninterest expense to average assets | 3.2941% | 534 |
| Loan and lease loss provision to assets | 0.0508% | 1,461 |
| Net operating income to assets | 1.3041% | 997 |
| Return on assets (ROA) | 1.3041% | 990 |
| Pretax return on assets | 1.6428% | 768 |
| Return on Equity (ROE) | 13.7569% | 881 |
| Retained earnings to average equity (ytd only) | 13.7569% | 399 |
| Net charge-offs to loans | 0.1234% | 449 |
| Credit loss provision to net charge-offs | 66.6667% | 1,145 |
| Earnings coverage of net charge-offs (x) | 22.2222% | 1,242 |
| Efficiency ratio | 66.0441% | 2,768 |
| Assets per employee ($millions) | 3.9141% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 1,631 |
| Loan loss allowance to noncurrent loans | 867.1642% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.8314% | 656 |
| Noncurrent loans to loans | 0.1702% | 2,963 |
| Net loans and leases to total assets | 61.9395% | 1,866 |
| Net loans and leases to deposits | 68.6342% | 2,084 |
| Net loans and leases to core deposits | 71.0244% | 2,209 |
| Total domestic deposits to total assets | 90.2457% | 1,418 |
| Equity capital to assets | 9.2907% | 2,451 |
| Core capital (leverage) ratio | 10.1492% | 2,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,943,500 | 3,182 |
| Average earning assets | $177,328,500 | 3,165 |
| Average equity | $17,911,000 | 3,335 |
| Average total loans | $116,700,500 | 2,973 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5503% | 552 |
| Cost of funding earning assets | 0.3859% | 1,644 |
| Net interest margin | 4.1644% | 519 |
| Noninterest income to average assets | 1.8364% | 358 |
| Noninterest expense to average assets | 3.1971% | 733 |
| Loan and lease loss provision to assets | 0.1404% | 861 |
| Net operating income to assets | 1.8582% | 450 |
| Return on assets (ROA) | 1.8582% | 475 |
| Pretax return on assets | 2.4049% | 295 |
| Return on Equity (ROE) | 17.8825% | 476 |
| Retained earnings to average equity (ytd only) | 0.0565% | 4,470 |
| Net charge-offs to loans | -0.0819% | 4,516 |
| Credit loss provision to net charge-offs | -285.8696% | 3,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6754% | 3,738 |
| Assets per employee ($millions) | 3.9585% | 4,439 |
| Cash dividends to net income (ytd only)* | 99.6840% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5214% | 1,480 |
| Loan loss allowance to noncurrent loans | 656.9288% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.9942% | 568 |
| Noncurrent loans to loans | 0.2316% | 2,800 |
| Net loans and leases to total assets | 59.7516% | 2,182 |
| Net loans and leases to deposits | 66.4198% | 2,470 |
| Net loans and leases to core deposits | 68.8573% | 2,567 |
| Total domestic deposits to total assets | 89.9605% | 984 |
| Equity capital to assets | 9.6663% | 2,979 |
| Core capital (leverage) ratio | 9.4754% | 2,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,327,000 | 3,151 |
| Average earning assets | $175,703,600 | 3,128 |
| Average equity | $19,466,000 | 3,256 |
| Average total loans | $112,318,400 | 3,039 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4833% | 692 |
| Cost of funding earning assets | 0.4054% | 1,662 |
| Net interest margin | 4.0779% | 681 |
| Noninterest income to average assets | 2.1486% | 313 |
| Noninterest expense to average assets | 3.2087% | 701 |
| Loan and lease loss provision to assets | 0.1500% | 754 |
| Net operating income to assets | 2.0136% | 446 |
| Return on assets (ROA) | 2.0136% | 470 |
| Pretax return on assets | 2.6129% | 281 |
| Return on Equity (ROE) | 19.0397% | 514 |
| Retained earnings to average equity (ytd only) | 16.7095% | 257 |
| Net charge-offs to loans | 0.0645% | 1,000 |
| Credit loss provision to net charge-offs | 388.8889% | 871 |
| Earnings coverage of net charge-offs (x) | 71.6296% | 1,051 |
| Efficiency ratio | 53.7321% | 3,842 |
| Assets per employee ($millions) | 3.9855% | 4,461 |
| Cash dividends to net income (ytd only)* | 12.2384% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3866% | 2,073 |
| Loan loss allowance to noncurrent loans | 356.6514% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 1.1897% | 496 |
| Noncurrent loans to loans | 0.3888% | 2,399 |
| Net loans and leases to total assets | 57.8083% | 2,519 |
| Net loans and leases to deposits | 66.7196% | 2,566 |
| Net loans and leases to core deposits | 69.2393% | 2,661 |
| Total domestic deposits to total assets | 86.6437% | 2,490 |
| Equity capital to assets | 11.2685% | 1,838 |
| Core capital (leverage) ratio | 10.8540% | 1,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,656,250 | 3,191 |
| Average earning assets | $174,986,750 | 3,168 |
| Average equity | $19,740,750 | 3,278 |
| Average total loans | $111,576,000 | 3,094 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2472% | 1,097 |
| Cost of funding earning assets | 0.4307% | 1,654 |
| Net interest margin | 3.8165% | 1,118 |
| Noninterest income to average assets | 0.8374% | 1,435 |
| Noninterest expense to average assets | 3.2478% | 667 |
| Loan and lease loss provision to assets | 0.1415% | 859 |
| Net operating income to assets | 0.8276% | 3,431 |
| Return on assets (ROA) | 0.8276% | 3,503 |
| Pretax return on assets | 1.0189% | 3,397 |
| Return on Equity (ROE) | 8.0061% | 3,408 |
| Retained earnings to average equity (ytd only) | 5.6022% | 2,958 |
| Net charge-offs to loans | 0.1526% | 542 |
| Credit loss provision to net charge-offs | 154.1176% | 1,154 |
| Earnings coverage of net charge-offs (x) | 12.6353% | 1,717 |
| Efficiency ratio | 73.6765% | 1,269 |
| Assets per employee ($millions) | 3.9516% | 4,478 |
| Cash dividends to net income (ytd only)* | 30.0261% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 2,598 |
| Loan loss allowance to noncurrent loans | 418.8406% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.9970% | 756 |
| Noncurrent loans to loans | 0.3024% | 2,843 |
| Net loans and leases to total assets | 59.3789% | 2,498 |
| Net loans and leases to deposits | 66.4764% | 2,783 |
| Net loans and leases to core deposits | 69.0345% | 2,858 |
| Total domestic deposits to total assets | 89.3233% | 1,128 |
| Equity capital to assets | 10.2307% | 2,636 |
| Core capital (leverage) ratio | 9.7611% | 2,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,107,333 | 3,210 |
| Average earning assets | $173,195,000 | 3,190 |
| Average equity | $19,135,333 | 3,326 |
| Average total loans | $111,386,667 | 3,109 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3203% | 1,017 |
| Cost of funding earning assets | 0.4628% | 1,633 |
| Net interest margin | 3.8575% | 1,049 |
| Noninterest income to average assets | 0.8511% | 1,456 |
| Noninterest expense to average assets | 3.2512% | 648 |
| Loan and lease loss provision to assets | 0.1335% | 1,019 |
| Net operating income to assets | 0.8467% | 3,282 |
| Return on assets (ROA) | 0.8467% | 3,360 |
| Pretax return on assets | 1.0589% | 3,217 |
| Return on Equity (ROE) | 8.1472% | 3,280 |
| Retained earnings to average equity (ytd only) | 8.1472% | 2,191 |
| Net charge-offs to loans | -0.1490% | 4,727 |
| Credit loss provision to net charge-offs | -148.7805% | 2,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1659% | 1,389 |
| Assets per employee ($millions) | 3.9263% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3599% | 2,150 |
| Loan loss allowance to noncurrent loans | 262.4126% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 1.1424% | 672 |
| Noncurrent loans to loans | 0.5182% | 2,298 |
| Net loans and leases to total assets | 57.7698% | 2,818 |
| Net loans and leases to deposits | 64.7144% | 3,060 |
| Net loans and leases to core deposits | 67.4111% | 3,118 |
| Total domestic deposits to total assets | 89.2688% | 1,190 |
| Equity capital to assets | 10.1024% | 2,611 |
| Core capital (leverage) ratio | 10.2881% | 2,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,823,500 | 3,225 |
| Average earning assets | $170,265,500 | 3,212 |
| Average equity | $19,000,500 | 3,331 |
| Average total loans | $110,044,000 | 3,128 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7729% | 769 |
| Cost of funding earning assets | 0.6722% | 1,867 |
| Net interest margin | 4.1007% | 783 |
| Noninterest income to average assets | 0.9425% | 1,168 |
| Noninterest expense to average assets | 3.4113% | 784 |
| Loan and lease loss provision to assets | 0.1597% | 2,374 |
| Net operating income to assets | 0.9425% | 2,513 |
| Return on assets (ROA) | 0.9425% | 2,661 |
| Pretax return on assets | 1.1983% | 2,330 |
| Return on Equity (ROE) | 8.5780% | 2,564 |
| Retained earnings to average equity (ytd only) | 2.1222% | 3,773 |
| Net charge-offs to loans | 0.0873% | 1,591 |
| Credit loss provision to net charge-offs | 290.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 24.6556% | 1,769 |
| Efficiency ratio | 71.5257% | 1,743 |
| Assets per employee ($millions) | 3.6914% | 4,569 |
| Cash dividends to net income (ytd only)* | 75.2597% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2751% | 2,543 |
| Loan loss allowance to noncurrent loans | 213.9144% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 1.2546% | 657 |
| Noncurrent loans to loans | 0.5961% | 2,207 |
| Net loans and leases to total assets | 61.1303% | 2,713 |
| Net loans and leases to deposits | 68.8878% | 2,994 |
| Net loans and leases to core deposits | 71.9085% | 3,083 |
| Total domestic deposits to total assets | 88.7390% | 1,099 |
| Equity capital to assets | 10.7017% | 2,521 |
| Core capital (leverage) ratio | 10.3774% | 2,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,398,400 | 3,256 |
| Average earning assets | $152,487,200 | 3,240 |
| Average equity | $17,952,800 | 3,369 |
| Average total loans | $103,146,600 | 3,193 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7150% | 1,029 |
| Cost of funding earning assets | 0.7154% | 1,930 |
| Net interest margin | 3.9996% | 1,119 |
| Noninterest income to average assets | 0.9619% | 1,095 |
| Noninterest expense to average assets | 3.4501% | 756 |
| Loan and lease loss provision to assets | 0.1500% | 2,521 |
| Net operating income to assets | 0.8544% | 2,890 |
| Return on assets (ROA) | 0.8544% | 3,018 |
| Pretax return on assets | 1.0853% | 2,795 |
| Return on Equity (ROE) | 7.7209% | 2,914 |
| Retained earnings to average equity (ytd only) | 3.5780% | 3,267 |
| Net charge-offs to loans | 0.0709% | 1,605 |
| Credit loss provision to net charge-offs | 333.3333% | 1,654 |
| Earnings coverage of net charge-offs (x) | 27.4444% | 1,667 |
| Efficiency ratio | 73.6346% | 1,448 |
| Assets per employee ($millions) | 3.5117% | 4,656 |
| Cash dividends to net income (ytd only)* | 53.6585% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 2,232 |
| Loan loss allowance to noncurrent loans | 371.9780% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 1.1450% | 906 |
| Noncurrent loans to loans | 0.3451% | 3,049 |
| Net loans and leases to total assets | 61.7798% | 3,034 |
| Net loans and leases to deposits | 69.7995% | 3,327 |
| Net loans and leases to core deposits | 73.0195% | 3,396 |
| Total domestic deposits to total assets | 88.5103% | 971 |
| Equity capital to assets | 10.9219% | 2,451 |
| Core capital (leverage) ratio | 10.2033% | 2,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,951,250 | 3,275 |
| Average earning assets | $148,911,000 | 3,256 |
| Average equity | $17,700,500 | 3,396 |
| Average total loans | $101,504,750 | 3,212 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7916% | 1,190 |
| Cost of funding earning assets | 0.7499% | 2,123 |
| Net interest margin | 4.0417% | 1,239 |
| Noninterest income to average assets | 1.0173% | 952 |
| Noninterest expense to average assets | 3.4861% | 759 |
| Loan and lease loss provision to assets | 0.1260% | 2,768 |
| Net operating income to assets | 0.9091% | 2,656 |
| Return on assets (ROA) | 0.9091% | 2,776 |
| Pretax return on assets | 1.1586% | 2,505 |
| Return on Equity (ROE) | 8.1768% | 2,674 |
| Retained earnings to average equity (ytd only) | 1.8781% | 3,805 |
| Net charge-offs to loans | 0.1078% | 1,216 |
| Credit loss provision to net charge-offs | 183.3333% | 1,985 |
| Earnings coverage of net charge-offs (x) | 18.6852% | 1,756 |
| Efficiency ratio | 73.0718% | 1,558 |
| Assets per employee ($millions) | 3.5385% | 4,639 |
| Cash dividends to net income (ytd only)* | 77.0308% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 2,372 |
| Loan loss allowance to noncurrent loans | 312.7764% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 1.0681% | 1,083 |
| Noncurrent loans to loans | 0.3921% | 2,996 |
| Net loans and leases to total assets | 59.1247% | 3,418 |
| Net loans and leases to deposits | 66.3036% | 3,694 |
| Net loans and leases to core deposits | 69.0047% | 3,786 |
| Total domestic deposits to total assets | 89.1727% | 677 |
| Equity capital to assets | 10.3411% | 2,893 |
| Core capital (leverage) ratio | 10.4922% | 2,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,081,667 | 3,279 |
| Average earning assets | $145,880,667 | 3,266 |
| Average equity | $17,464,000 | 3,423 |
| Average total loans | $100,176,333 | 3,229 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0991% | 796 |
| Cost of funding earning assets | 0.7860% | 2,473 |
| Net interest margin | 4.3131% | 741 |
| Noninterest income to average assets | 1.2301% | 582 |
| Noninterest expense to average assets | 3.7414% | 671 |
| Loan and lease loss provision to assets | 0.0779% | 2,746 |
| Net operating income to assets | 1.0797% | 1,904 |
| Return on assets (ROA) | 1.0797% | 2,009 |
| Pretax return on assets | 1.4047% | 1,550 |
| Return on Equity (ROE) | 9.3320% | 1,986 |
| Retained earnings to average equity (ytd only) | 9.3320% | 889 |
| Net charge-offs to loans | 0.0325% | 1,740 |
| Credit loss provision to net charge-offs | 362.5000% | 1,060 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 734 |
| Efficiency ratio | 71.6195% | 2,136 |
| Assets per employee ($millions) | 3.1602% | 4,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 2,210 |
| Loan loss allowance to noncurrent loans | 242.0543% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 1.1853% | 1,054 |
| Noncurrent loans to loans | 0.5309% | 2,672 |
| Net loans and leases to total assets | 63.2496% | 3,162 |
| Net loans and leases to deposits | 71.7070% | 3,457 |
| Net loans and leases to core deposits | 75.0859% | 3,563 |
| Total domestic deposits to total assets | 88.2056% | 1,016 |
| Equity capital to assets | 11.3290% | 2,565 |
| Core capital (leverage) ratio | 11.6239% | 1,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,929,500 | 3,336 |
| Average earning assets | $137,905,500 | 3,341 |
| Average equity | $17,231,000 | 3,447 |
| Average total loans | $98,371,000 | 3,244 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3062% | 810 |
| Cost of funding earning assets | 0.6908% | 3,202 |
| Net interest margin | 4.6154% | 554 |
| Noninterest income to average assets | 1.4129% | 476 |
| Noninterest expense to average assets | 3.7632% | 705 |
| Loan and lease loss provision to assets | 0.2291% | 840 |
| Net operating income to assets | 1.2864% | 1,742 |
| Return on assets (ROA) | 1.2935% | 1,794 |
| Pretax return on assets | 1.6740% | 1,260 |
| Return on Equity (ROE) | 11.3056% | 1,767 |
| Retained earnings to average equity (ytd only) | 7.6038% | 1,116 |
| Net charge-offs to loans | 0.1777% | 1,135 |
| Credit loss provision to net charge-offs | 196.4286% | 1,350 |
| Earnings coverage of net charge-offs (x) | 16.2381% | 2,186 |
| Efficiency ratio | 66.5194% | 2,689 |
| Assets per employee ($millions) | 3.0452% | 4,804 |
| Cash dividends to net income (ytd only)* | 32.7429% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 2,268 |
| Loan loss allowance to noncurrent loans | 260.7219% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 1.3272% | 820 |
| Noncurrent loans to loans | 0.4731% | 2,768 |
| Net loans and leases to total assets | 67.2657% | 2,792 |
| Net loans and leases to deposits | 76.5901% | 3,122 |
| Net loans and leases to core deposits | 79.3039% | 3,356 |
| Total domestic deposits to total assets | 87.8257% | 1,214 |
| Equity capital to assets | 11.8200% | 2,261 |
| Core capital (leverage) ratio | 11.5837% | 2,049 |
| Tier 1 risk-based capital ratio | 16.1989% | 2,330 |
| Total risk-based capital ratio | 17.3699% | 2,310 |
| Memoranda: | ||
| Average total assets | $144,028,200 | 3,376 |
| Average earning assets | $132,448,400 | 3,387 |
| Average equity | $16,478,600 | 3,499 |
| Average total loans | $94,531,800 | 3,304 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2947% | 871 |
| Cost of funding earning assets | 0.6773% | 3,325 |
| Net interest margin | 4.6174% | 597 |
| Noninterest income to average assets | 1.3807% | 482 |
| Noninterest expense to average assets | 3.6842% | 766 |
| Loan and lease loss provision to assets | 0.1533% | 1,225 |
| Net operating income to assets | 1.3755% | 1,545 |
| Return on assets (ROA) | 1.3873% | 1,574 |
| Pretax return on assets | 1.7961% | 1,101 |
| Return on Equity (ROE) | 12.2281% | 1,539 |
| Retained earnings to average equity (ytd only) | 10.3034% | 683 |
| Net charge-offs to loans | 0.1215% | 1,285 |
| Credit loss provision to net charge-offs | 194.1176% | 1,348 |
| Earnings coverage of net charge-offs (x) | 24.4942% | 1,796 |
| Efficiency ratio | 65.5697% | 2,787 |
| Assets per employee ($millions) | 3.0431% | 4,867 |
| Cash dividends to net income (ytd only)* | 15.7403% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 2,636 |
| Loan loss allowance to noncurrent loans | 247.3002% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 1.2652% | 971 |
| Noncurrent loans to loans | 0.4753% | 2,868 |
| Net loans and leases to total assets | 65.9058% | 3,061 |
| Net loans and leases to deposits | 75.0464% | 3,379 |
| Net loans and leases to core deposits | 78.0111% | 3,549 |
| Total domestic deposits to total assets | 87.8201% | 1,124 |
| Equity capital to assets | 11.7670% | 2,439 |
| Core capital (leverage) ratio | 11.6288% | 2,124 |
| Tier 1 risk-based capital ratio | 16.9720% | 2,094 |
| Total risk-based capital ratio | 18.1162% | 2,072 |
| Memoranda: | ||
| Average total assets | $143,493,250 | 3,421 |
| Average earning assets | $131,700,500 | 3,431 |
| Average equity | $16,279,000 | 3,549 |
| Average total loans | $93,277,500 | 3,370 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2448% | 907 |
| Cost of funding earning assets | 0.6598% | 3,358 |
| Net interest margin | 4.5850% | 639 |
| Noninterest income to average assets | 1.5648% | 376 |
| Noninterest expense to average assets | 3.7270% | 725 |
| Loan and lease loss provision to assets | 0.1010% | 1,855 |
| Net operating income to assets | 1.4924% | 1,169 |
| Return on assets (ROA) | 1.5102% | 1,172 |
| Pretax return on assets | 1.9589% | 739 |
| Return on Equity (ROE) | 13.4827% | 1,103 |
| Retained earnings to average equity (ytd only) | 10.5408% | 629 |
| Net charge-offs to loans | 0.1545% | 1,020 |
| Credit loss provision to net charge-offs | 101.4085% | 1,939 |
| Earnings coverage of net charge-offs (x) | 20.4648% | 1,775 |
| Efficiency ratio | 64.6558% | 3,025 |
| Assets per employee ($millions) | 3.0318% | 4,884 |
| Cash dividends to net income (ytd only)* | 21.8199% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 2,881 |
| Loan loss allowance to noncurrent loans | 236.3636% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 1.4492% | 789 |
| Noncurrent loans to loans | 0.4798% | 2,838 |
| Net loans and leases to total assets | 63.8633% | 3,356 |
| Net loans and leases to deposits | 72.4902% | 3,641 |
| Net loans and leases to core deposits | 74.8880% | 3,824 |
| Total domestic deposits to total assets | 88.0992% | 1,057 |
| Equity capital to assets | 11.5215% | 2,591 |
| Core capital (leverage) ratio | 11.2771% | 2,347 |
| Tier 1 risk-based capital ratio | 16.3273% | 2,293 |
| Total risk-based capital ratio | 17.3800% | 2,304 |
| Memoranda: | ||
| Average total assets | $142,634,670 | 3,449 |
| Average earning assets | $130,644,000 | 3,465 |
| Average equity | $15,976,000 | 3,580 |
| Average total loans | $91,899,000 | 3,414 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1533% | 995 |
| Cost of funding earning assets | 0.6303% | 3,405 |
| Net interest margin | 4.5231% | 706 |
| Noninterest income to average assets | 0.9406% | 944 |
| Noninterest expense to average assets | 3.7879% | 661 |
| Loan and lease loss provision to assets | 0.0935% | 1,862 |
| Net operating income to assets | 0.9558% | 3,025 |
| Return on assets (ROA) | 0.9916% | 2,913 |
| Pretax return on assets | 1.2522% | 2,616 |
| Return on Equity (ROE) | 8.9856% | 2,819 |
| Retained earnings to average equity (ytd only) | 8.9856% | 1,326 |
| Net charge-offs to loans | 0.1761% | 779 |
| Credit loss provision to net charge-offs | 82.5000% | 1,768 |
| Earnings coverage of net charge-offs (x) | 11.4750% | 1,907 |
| Efficiency ratio | 74.4432% | 1,690 |
| Assets per employee ($millions) | 2.8750% | 5,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 2,791 |
| Loan loss allowance to noncurrent loans | 165.5712% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 1.4810% | 816 |
| Noncurrent loans to loans | 0.7008% | 2,271 |
| Net loans and leases to total assets | 62.6903% | 3,435 |
| Net loans and leases to deposits | 70.7657% | 3,713 |
| Net loans and leases to core deposits | 72.4969% | 3,910 |
| Total domestic deposits to total assets | 88.5886% | 1,039 |
| Equity capital to assets | 11.0580% | 2,793 |
| Core capital (leverage) ratio | 11.1429% | 2,435 |
| Tier 1 risk-based capital ratio | 16.1957% | 2,364 |
| Total risk-based capital ratio | 17.2685% | 2,378 |
| Memoranda: | ||
| Average total assets | $141,188,000 | 3,517 |
| Average earning assets | $129,470,000 | 3,521 |
| Average equity | $15,580,500 | 3,635 |
| Average total loans | $90,846,000 | 3,472 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1198% | 813 |
| Cost of funding earning assets | 0.4686% | 3,559 |
| Net interest margin | 4.6512% | 541 |
| Noninterest income to average assets | 1.2049% | 633 |
| Noninterest expense to average assets | 4.0371% | 507 |
| Loan and lease loss provision to assets | 0.0998% | 2,188 |
| Net operating income to assets | 1.0656% | 2,734 |
| Return on assets (ROA) | 0.9962% | 3,016 |
| Pretax return on assets | 1.2347% | 2,758 |
| Return on Equity (ROE) | 9.0675% | 2,961 |
| Retained earnings to average equity (ytd only) | 5.5748% | 2,432 |
| Net charge-offs to loans | 0.0823% | 1,961 |
| Credit loss provision to net charge-offs | 183.5616% | 1,542 |
| Earnings coverage of net charge-offs (x) | 26.1096% | 1,741 |
| Efficiency ratio | 73.9760% | 1,630 |
| Assets per employee ($millions) | 2.7725% | 5,108 |
| Cash dividends to net income (ytd only)* | 38.5191% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1766% | 2,684 |
| Loan loss allowance to noncurrent loans | 107.5758% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.6880% | 637 |
| Noncurrent loans to loans | 1.0937% | 1,485 |
| Net loans and leases to total assets | 64.5273% | 3,299 |
| Net loans and leases to deposits | 72.7421% | 3,604 |
| Net loans and leases to core deposits | 74.3436% | 3,826 |
| Total domestic deposits to total assets | 88.7069% | 977 |
| Equity capital to assets | 11.0117% | 2,679 |
| Core capital (leverage) ratio | 11.1633% | 2,385 |
| Tier 1 risk-based capital ratio | 15.9210% | 2,435 |
| Total risk-based capital ratio | 17.0154% | 2,430 |
| Memoranda: | ||
| Average total assets | $134,206,600 | 3,592 |
| Average earning assets | $122,700,800 | 3,606 |
| Average equity | $14,745,000 | 3,666 |
| Average total loans | $88,717,000 | 3,502 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0830% | 791 |
| Cost of funding earning assets | 0.4353% | 3,628 |
| Net interest margin | 4.6477% | 530 |
| Noninterest income to average assets | 1.2602% | 606 |
| Noninterest expense to average assets | 4.0519% | 492 |
| Loan and lease loss provision to assets | 0.1172% | 1,733 |
| Net operating income to assets | 1.0887% | 2,715 |
| Return on assets (ROA) | 1.0839% | 2,745 |
| Pretax return on assets | 1.3313% | 2,500 |
| Return on Equity (ROE) | 9.8709% | 2,681 |
| Retained earnings to average equity (ytd only) | 7.2252% | 2,011 |
| Net charge-offs to loans | 0.0982% | 1,514 |
| Credit loss provision to net charge-offs | 180.0000% | 1,496 |
| Earnings coverage of net charge-offs (x) | 22.3396% | 1,881 |
| Efficiency ratio | 73.5856% | 1,655 |
| Assets per employee ($millions) | 2.6478% | 5,233 |
| Cash dividends to net income (ytd only)* | 26.8024% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 2,613 |
| Loan loss allowance to noncurrent loans | 338.4615% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 1.5296% | 832 |
| Noncurrent loans to loans | 0.3551% | 3,380 |
| Net loans and leases to total assets | 65.5772% | 3,232 |
| Net loans and leases to deposits | 74.2546% | 3,570 |
| Net loans and leases to core deposits | 75.8035% | 3,818 |
| Total domestic deposits to total assets | 88.3140% | 1,112 |
| Equity capital to assets | 11.2608% | 2,422 |
| Core capital (leverage) ratio | 10.7336% | 2,855 |
| Tier 1 risk-based capital ratio | 15.0137% | 2,877 |
| Total risk-based capital ratio | 16.1140% | 2,859 |
| Memoranda: | ||
| Average total assets | $133,102,000 | 3,637 |
| Average earning assets | $121,605,500 | 3,654 |
| Average equity | $14,615,000 | 3,710 |
| Average total loans | $88,267,250 | 3,542 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0508% | 727 |
| Cost of funding earning assets | 0.4024% | 3,703 |
| Net interest margin | 4.6484% | 499 |
| Noninterest income to average assets | 1.0140% | 929 |
| Noninterest expense to average assets | 4.0588% | 490 |
| Loan and lease loss provision to assets | 0.1245% | 1,589 |
| Net operating income to assets | 0.8818% | 3,540 |
| Return on assets (ROA) | 0.8745% | 3,570 |
| Pretax return on assets | 1.0664% | 3,447 |
| Return on Equity (ROE) | 8.0318% | 3,495 |
| Retained earnings to average equity (ytd only) | 6.1031% | 2,495 |
| Net charge-offs to loans | 0.1176% | 1,224 |
| Credit loss provision to net charge-offs | 159.6154% | 1,515 |
| Earnings coverage of net charge-offs (x) | 15.3846% | 2,043 |
| Efficiency ratio | 77.1820% | 1,286 |
| Assets per employee ($millions) | 2.6732% | 5,273 |
| Cash dividends to net income (ytd only)* | 24.0137% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 2,909 |
| Loan loss allowance to noncurrent loans | 429.8755% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 1.8540% | 607 |
| Noncurrent loans to loans | 0.2707% | 3,745 |
| Net loans and leases to total assets | 65.8449% | 3,173 |
| Net loans and leases to deposits | 74.1861% | 3,514 |
| Net loans and leases to core deposits | 75.3814% | 3,786 |
| Total domestic deposits to total assets | 88.7564% | 1,035 |
| Equity capital to assets | 10.9399% | 2,691 |
| Core capital (leverage) ratio | 10.5120% | 3,018 |
| Tier 1 risk-based capital ratio | 14.4191% | 3,150 |
| Total risk-based capital ratio | 15.4841% | 3,164 |
| Memoranda: | ||
| Average total assets | $133,339,670 | 3,655 |
| Average earning assets | $121,763,330 | 3,672 |
| Average equity | $14,517,330 | 3,745 |
| Average total loans | $88,398,670 | 3,555 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0341% | 650 |
| Cost of funding earning assets | 0.3908% | 3,656 |
| Net interest margin | 4.6434% | 453 |
| Noninterest income to average assets | 0.9671% | 985 |
| Noninterest expense to average assets | 3.9195% | 575 |
| Loan and lease loss provision to assets | 0.1502% | 1,209 |
| Net operating income to assets | 0.9398% | 3,109 |
| Return on assets (ROA) | 0.9251% | 3,200 |
| Pretax return on assets | 1.1263% | 3,063 |
| Return on Equity (ROE) | 8.5171% | 3,146 |
| Retained earnings to average equity (ytd only) | 8.5171% | 1,658 |
| Net charge-offs to loans | 0.2044% | 721 |
| Credit loss provision to net charge-offs | 111.1111% | 1,444 |
| Earnings coverage of net charge-offs (x) | 9.5778% | 1,955 |
| Efficiency ratio | 75.1728% | 1,722 |
| Assets per employee ($millions) | 2.6748% | 5,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 3,146 |
| Loan loss allowance to noncurrent loans | 349.1349% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 2.0061% | 570 |
| Noncurrent loans to loans | 0.3264% | 3,597 |
| Net loans and leases to total assets | 65.4534% | 3,118 |
| Net loans and leases to deposits | 73.7560% | 3,435 |
| Net loans and leases to core deposits | 75.3728% | 3,717 |
| Total domestic deposits to total assets | 88.7432% | 1,240 |
| Equity capital to assets | 10.7955% | 2,771 |
| Core capital (leverage) ratio | 10.3803% | 3,080 |
| Tier 1 risk-based capital ratio | 14.6226% | 3,062 |
| Total risk-based capital ratio | 15.6909% | 3,064 |
| Memoranda: | ||
| Average total assets | $133,180,500 | 3,693 |
| Average earning assets | $121,808,500 | 3,718 |
| Average equity | $14,465,000 | 3,780 |
| Average total loans | $88,076,500 | 3,588 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8289% | 925 |
| Cost of funding earning assets | 0.3899% | 3,335 |
| Net interest margin | 4.4390% | 702 |
| Noninterest income to average assets | 0.9673% | 1,101 |
| Noninterest expense to average assets | 3.8995% | 616 |
| Loan and lease loss provision to assets | 0.1018% | 2,187 |
| Net operating income to assets | 0.7254% | 3,493 |
| Return on assets (ROA) | 0.7201% | 3,560 |
| Pretax return on assets | 1.0079% | 3,536 |
| Return on Equity (ROE) | 6.9641% | 3,297 |
| Retained earnings to average equity (ytd only) | 6.4289% | 1,318 |
| Net charge-offs to loans | 0.0505% | 2,781 |
| Credit loss provision to net charge-offs | 328.5714% | 875 |
| Earnings coverage of net charge-offs (x) | 36.0476% | 1,352 |
| Efficiency ratio | 77.7320% | 1,390 |
| Assets per employee ($millions) | 2.6524% | 5,401 |
| Cash dividends to net income (ytd only)* | 7.6844% | 3,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 3,080 |
| Loan loss allowance to noncurrent loans | 250.3741% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 1.9967% | 563 |
| Noncurrent loans to loans | 0.4577% | 3,138 |
| Net loans and leases to total assets | 65.3009% | 3,182 |
| Net loans and leases to deposits | 74.5630% | 3,468 |
| Net loans and leases to core deposits | 76.0274% | 3,744 |
| Total domestic deposits to total assets | 87.5780% | 1,718 |
| Equity capital to assets | 10.9275% | 2,706 |
| Core capital (leverage) ratio | 10.0050% | 3,452 |
| Tier 1 risk-based capital ratio | 14.3537% | 3,167 |
| Total risk-based capital ratio | 15.4233% | 3,171 |
| Memoranda: | ||
| Average total assets | $135,531,600 | 3,672 |
| Average earning assets | $123,631,000 | 3,690 |
| Average equity | $14,014,800 | 3,844 |
| Average total loans | $83,148,800 | 3,678 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7687% | 988 |
| Cost of funding earning assets | 0.3842% | 3,341 |
| Net interest margin | 4.3845% | 751 |
| Noninterest income to average assets | 0.9345% | 1,179 |
| Noninterest expense to average assets | 3.9434% | 559 |
| Loan and lease loss provision to assets | 0.0264% | 3,603 |
| Net operating income to assets | 0.6889% | 4,032 |
| Return on assets (ROA) | 0.6889% | 4,101 |
| Pretax return on assets | 0.9619% | 3,829 |
| Return on Equity (ROE) | 6.7550% | 3,788 |
| Retained earnings to average equity (ytd only) | 6.7550% | 1,821 |
| Net charge-offs to loans | 0.0504% | 2,422 |
| Credit loss provision to net charge-offs | 87.0968% | 2,494 |
| Earnings coverage of net charge-offs (x) | 32.5824% | 1,479 |
| Efficiency ratio | 79.9603% | 1,111 |
| Assets per employee ($millions) | 2.7503% | 5,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0602% | 3,733 |
| Loan loss allowance to noncurrent loans | 123.6662% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 2.2943% | 511 |
| Noncurrent loans to loans | 0.8573% | 2,223 |
| Net loans and leases to total assets | 61.3470% | 3,737 |
| Net loans and leases to deposits | 70.8710% | 3,889 |
| Net loans and leases to core deposits | 72.0322% | 4,124 |
| Total domestic deposits to total assets | 86.5616% | 2,067 |
| Equity capital to assets | 10.5275% | 3,346 |
| Core capital (leverage) ratio | 9.7750% | 3,851 |
| Tier 1 risk-based capital ratio | 14.1820% | 3,362 |
| Total risk-based capital ratio | 15.1498% | 3,422 |
| Memoranda: | ||
| Average total assets | $136,259,500 | 3,704 |
| Average earning assets | $124,222,500 | 3,709 |
| Average equity | $13,895,500 | 3,898 |
| Average total loans | $82,034,500 | 3,729 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6827% | 1,092 |
| Cost of funding earning assets | 0.3807% | 3,282 |
| Net interest margin | 4.3020% | 855 |
| Noninterest income to average assets | 0.9246% | 1,200 |
| Noninterest expense to average assets | 4.0297% | 508 |
| Loan and lease loss provision to assets | 0.0221% | 3,544 |
| Net operating income to assets | 0.5830% | 4,376 |
| Return on assets (ROA) | 0.5830% | 4,432 |
| Pretax return on assets | 0.7995% | 4,280 |
| Return on Equity (ROE) | 5.7803% | 4,140 |
| Retained earnings to average equity (ytd only) | 5.7803% | 2,242 |
| Net charge-offs to loans | 0.0642% | 2,015 |
| Credit loss provision to net charge-offs | 57.6923% | 2,484 |
| Earnings coverage of net charge-offs (x) | 21.4615% | 1,749 |
| Efficiency ratio | 83.0653% | 916 |
| Assets per employee ($millions) | 2.6889% | 5,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0975% | 3,595 |
| Loan loss allowance to noncurrent loans | 131.1404% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 2.0060% | 636 |
| Noncurrent loans to loans | 0.8369% | 2,312 |
| Net loans and leases to total assets | 60.1261% | 3,833 |
| Net loans and leases to deposits | 68.1396% | 4,061 |
| Net loans and leases to core deposits | 69.2575% | 4,272 |
| Total domestic deposits to total assets | 88.2397% | 1,338 |
| Equity capital to assets | 10.5315% | 3,299 |
| Core capital (leverage) ratio | 9.4234% | 4,208 |
| Tier 1 risk-based capital ratio | 14.1680% | 3,329 |
| Total risk-based capital ratio | 15.1524% | 3,397 |
| Memoranda: | ||
| Average total assets | $135,840,670 | 3,726 |
| Average earning assets | $123,988,330 | 3,738 |
| Average equity | $13,701,670 | 3,931 |
| Average total loans | $80,957,330 | 3,772 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6980% | 941 |
| Cost of funding earning assets | 0.3757% | 3,243 |
| Net interest margin | 4.3223% | 742 |
| Noninterest income to average assets | 0.8701% | 1,336 |
| Noninterest expense to average assets | 4.1541% | 446 |
| Loan and lease loss provision to assets | 0.0176% | 3,345 |
| Net operating income to assets | 0.4775% | 4,680 |
| Return on assets (ROA) | 0.4775% | 4,705 |
| Pretax return on assets | 0.6416% | 4,624 |
| Return on Equity (ROE) | 4.8393% | 4,464 |
| Retained earnings to average equity (ytd only) | 4.8393% | 2,991 |
| Net charge-offs to loans | 0.1291% | 1,146 |
| Credit loss provision to net charge-offs | 23.0769% | 2,153 |
| Earnings coverage of net charge-offs (x) | 8.6538% | 2,042 |
| Efficiency ratio | 86.3055% | 784 |
| Assets per employee ($millions) | 2.7663% | 5,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 3,681 |
| Loan loss allowance to noncurrent loans | 384.8485% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 1.6484% | 931 |
| Noncurrent loans to loans | 0.2876% | 4,087 |
| Net loans and leases to total assets | 57.4308% | 4,019 |
| Net loans and leases to deposits | 63.9355% | 4,316 |
| Net loans and leases to core deposits | 64.9348% | 4,492 |
| Total domestic deposits to total assets | 89.8262% | 737 |
| Equity capital to assets | 9.8824% | 3,893 |
| Core capital (leverage) ratio | 9.2733% | 4,377 |
| Tier 1 risk-based capital ratio | 14.4708% | 3,220 |
| Total risk-based capital ratio | 15.4906% | 3,257 |
| Memoranda: | ||
| Average total assets | $136,539,000 | 3,745 |
| Average earning assets | $124,564,500 | 3,760 |
| Average equity | $13,473,000 | 3,992 |
| Average total loans | $80,569,500 | 3,801 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8886% | 756 |
| Cost of funding earning assets | 0.3979% | 3,019 |
| Net interest margin | 4.4907% | 640 |
| Noninterest income to average assets | 0.8997% | 1,417 |
| Noninterest expense to average assets | 4.0938% | 535 |
| Loan and lease loss provision to assets | 0.0863% | 2,639 |
| Net operating income to assets | 0.5686% | 4,353 |
| Return on assets (ROA) | 0.5686% | 4,456 |
| Pretax return on assets | 0.7851% | 4,229 |
| Return on Equity (ROE) | 5.6791% | 4,127 |
| Retained earnings to average equity (ytd only) | 5.6791% | 1,897 |
| Net charge-offs to loans | 0.3159% | 868 |
| Credit loss provision to net charge-offs | 45.3125% | 3,436 |
| Earnings coverage of net charge-offs (x) | 4.5742% | 3,475 |
| Efficiency ratio | 82.4490% | 1,151 |
| Assets per employee ($millions) | 2.6952% | 5,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 3,574 |
| Loan loss allowance to noncurrent loans | 92.4720% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 2.3441% | 527 |
| Noncurrent loans to loans | 1.2164% | 1,687 |
| Net loans and leases to total assets | 59.2934% | 3,926 |
| Net loans and leases to deposits | 65.9386% | 4,243 |
| Net loans and leases to core deposits | 66.9939% | 4,469 |
| Total domestic deposits to total assets | 89.9222% | 668 |
| Equity capital to assets | 9.8522% | 3,878 |
| Core capital (leverage) ratio | 9.5079% | 4,072 |
| Tier 1 risk-based capital ratio | 13.8977% | 3,520 |
| Total risk-based capital ratio | 14.8783% | 3,592 |
| Memoranda: | ||
| Average total assets | $134,375,000 | 3,761 |
| Average earning assets | $121,650,200 | 3,798 |
| Average equity | $13,452,800 | 4,034 |
| Average total loans | $81,030,000 | 3,781 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8727% | 773 |
| Cost of funding earning assets | 0.3997% | 3,025 |
| Net interest margin | 4.4731% | 671 |
| Noninterest income to average assets | 0.8500% | 1,576 |
| Noninterest expense to average assets | 4.0035% | 583 |
| Loan and lease loss provision to assets | 0.0397% | 3,447 |
| Net operating income to assets | 0.6097% | 4,251 |
| Return on assets (ROA) | 0.6097% | 4,365 |
| Pretax return on assets | 0.8519% | 4,147 |
| Return on Equity (ROE) | 6.0655% | 4,043 |
| Retained earnings to average equity (ytd only) | 6.0655% | 2,152 |
| Net charge-offs to loans | 0.3766% | 586 |
| Credit loss provision to net charge-offs | 17.4672% | 3,313 |
| Earnings coverage of net charge-offs (x) | 3.9213% | 3,338 |
| Efficiency ratio | 81.7850% | 1,222 |
| Assets per employee ($millions) | 2.7067% | 5,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 4,003 |
| Loan loss allowance to noncurrent loans | 74.3945% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 2.4791% | 551 |
| Noncurrent loans to loans | 1.4418% | 1,502 |
| Net loans and leases to total assets | 58.6088% | 4,036 |
| Net loans and leases to deposits | 65.5252% | 4,385 |
| Net loans and leases to core deposits | 66.3924% | 4,582 |
| Total domestic deposits to total assets | 89.4446% | 703 |
| Equity capital to assets | 10.1697% | 3,959 |
| Core capital (leverage) ratio | 9.1664% | 4,639 |
| Tier 1 risk-based capital ratio | 13.8202% | 3,655 |
| Total risk-based capital ratio | 14.7543% | 3,766 |
| Memoranda: | ||
| Average total assets | $134,278,250 | 3,786 |
| Average earning assets | $121,435,000 | 3,822 |
| Average equity | $13,496,750 | 4,059 |
| Average total loans | $81,084,000 | 3,799 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9080% | 710 |
| Cost of funding earning assets | 0.4010% | 3,035 |
| Net interest margin | 4.5071% | 611 |
| Noninterest income to average assets | 0.9319% | 1,284 |
| Noninterest expense to average assets | 3.8991% | 679 |
| Loan and lease loss provision to assets | 0.0209% | 3,719 |
| Net operating income to assets | 0.7512% | 3,542 |
| Return on assets (ROA) | 0.7512% | 3,696 |
| Pretax return on assets | 1.0737% | 3,311 |
| Return on Equity (ROE) | 7.5030% | 3,260 |
| Retained earnings to average equity (ytd only) | 7.5030% | 1,379 |
| Net charge-offs to loans | 0.1597% | 1,374 |
| Credit loss provision to net charge-offs | 21.5385% | 2,919 |
| Earnings coverage of net charge-offs (x) | 11.2769% | 2,272 |
| Efficiency ratio | 78.0801% | 1,777 |
| Assets per employee ($millions) | 2.7273% | 5,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 3,260 |
| Loan loss allowance to noncurrent loans | 129.1074% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 2.2147% | 693 |
| Noncurrent loans to loans | 0.9427% | 2,394 |
| Net loans and leases to total assets | 59.4006% | 3,964 |
| Net loans and leases to deposits | 66.3404% | 4,321 |
| Net loans and leases to core deposits | 67.1455% | 4,535 |
| Total domestic deposits to total assets | 89.5390% | 659 |
| Equity capital to assets | 10.0686% | 4,139 |
| Core capital (leverage) ratio | 9.1599% | 4,645 |
| Tier 1 risk-based capital ratio | 13.5149% | 3,892 |
| Total risk-based capital ratio | 14.5848% | 3,910 |
| Memoranda: | ||
| Average total assets | $133,926,670 | 3,812 |
| Average earning assets | $120,699,670 | 3,864 |
| Average equity | $13,408,000 | 4,090 |
| Average total loans | $81,386,330 | 3,811 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8889% | 710 |
| Cost of funding earning assets | 0.4046% | 3,015 |
| Net interest margin | 4.4843% | 624 |
| Noninterest income to average assets | 0.9163% | 1,275 |
| Noninterest expense to average assets | 3.8129% | 760 |
| Loan and lease loss provision to assets | 0.0422% | 3,080 |
| Net operating income to assets | 0.7807% | 3,354 |
| Return on assets (ROA) | 0.7807% | 3,454 |
| Pretax return on assets | 1.1032% | 3,083 |
| Return on Equity (ROE) | 7.8206% | 3,017 |
| Retained earnings to average equity (ytd only) | 7.8206% | 1,534 |
| Net charge-offs to loans | 0.2269% | 902 |
| Credit loss provision to net charge-offs | 30.4348% | 2,221 |
| Earnings coverage of net charge-offs (x) | 8.2609% | 2,070 |
| Efficiency ratio | 76.8997% | 2,059 |
| Assets per employee ($millions) | 2.6896% | 5,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 3,179 |
| Loan loss allowance to noncurrent loans | 234.3318% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 1.9944% | 869 |
| Noncurrent loans to loans | 0.5337% | 3,589 |
| Net loans and leases to total assets | 59.7127% | 3,815 |
| Net loans and leases to deposits | 66.6913% | 4,185 |
| Net loans and leases to core deposits | 67.5110% | 4,434 |
| Total domestic deposits to total assets | 89.5359% | 819 |
| Equity capital to assets | 9.9696% | 4,117 |
| Core capital (leverage) ratio | 9.1713% | 4,629 |
| Tier 1 risk-based capital ratio | 13.4350% | 4,020 |
| Total risk-based capital ratio | 14.5416% | 4,026 |
| Memoranda: | ||
| Average total assets | $132,708,000 | 3,867 |
| Average earning assets | $119,617,000 | 3,916 |
| Average equity | $13,247,000 | 4,124 |
| Average total loans | $81,080,000 | 3,831 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8444% | 859 |
| Cost of funding earning assets | 0.4350% | 2,786 |
| Net interest margin | 4.4094% | 779 |
| Noninterest income to average assets | 0.9740% | 1,249 |
| Noninterest expense to average assets | 3.7565% | 911 |
| Loan and lease loss provision to assets | 0.0159% | 4,091 |
| Net operating income to assets | 0.8035% | 3,317 |
| Return on assets (ROA) | 0.8056% | 3,395 |
| Pretax return on assets | 1.1644% | 2,795 |
| Return on Equity (ROE) | 8.4062% | 2,759 |
| Retained earnings to average equity (ytd only) | 7.2188% | 1,192 |
| Net charge-offs to loans | 0.1050% | 2,344 |
| Credit loss provision to net charge-offs | 25.0000% | 3,707 |
| Earnings coverage of net charge-offs (x) | 18.4762% | 2,008 |
| Efficiency ratio | 76.1378% | 2,245 |
| Assets per employee ($millions) | 2.6722% | 5,794 |
| Cash dividends to net income (ytd only)* | 14.1243% | 3,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 2,919 |
| Loan loss allowance to noncurrent loans | 373.3096% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 1.9078% | 952 |
| Noncurrent loans to loans | 0.3476% | 4,223 |
| Net loans and leases to total assets | 60.9400% | 3,704 |
| Net loans and leases to deposits | 68.0723% | 4,123 |
| Net loans and leases to core deposits | 69.0872% | 4,369 |
| Total domestic deposits to total assets | 89.5224% | 841 |
| Equity capital to assets | 9.9949% | 3,960 |
| Core capital (leverage) ratio | 9.4385% | 4,267 |
| Tier 1 risk-based capital ratio | 13.6186% | 3,937 |
| Total risk-based capital ratio | 14.7624% | 3,935 |
| Memoranda: | ||
| Average total assets | $131,824,800 | 3,853 |
| Average earning assets | $118,384,400 | 3,915 |
| Average equity | $12,633,600 | 4,199 |
| Average total loans | $80,002,200 | 3,828 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8415% | 869 |
| Cost of funding earning assets | 0.4393% | 2,807 |
| Net interest margin | 4.4022% | 792 |
| Noninterest income to average assets | 0.9663% | 1,274 |
| Noninterest expense to average assets | 3.6925% | 987 |
| Loan and lease loss provision to assets | 0.0131% | 4,011 |
| Net operating income to assets | 0.8323% | 3,273 |
| Return on assets (ROA) | 0.8350% | 3,335 |
| Pretax return on assets | 1.2107% | 2,782 |
| Return on Equity (ROE) | 8.8069% | 2,674 |
| Retained earnings to average equity (ytd only) | 7.2094% | 1,595 |
| Net charge-offs to loans | -0.4194% | 6,133 |
| Credit loss provision to net charge-offs | -5.1793% | 4,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1696% | 2,375 |
| Assets per employee ($millions) | 2.6801% | 5,848 |
| Cash dividends to net income (ytd only)* | 18.1383% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6974% | 1,472 |
| Loan loss allowance to noncurrent loans | 142.5907% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 2.2090% | 859 |
| Noncurrent loans to loans | 1.1904% | 2,146 |
| Net loans and leases to total assets | 60.6827% | 3,779 |
| Net loans and leases to deposits | 67.6385% | 4,225 |
| Net loans and leases to core deposits | 68.8511% | 4,468 |
| Total domestic deposits to total assets | 89.7163% | 687 |
| Equity capital to assets | 9.7850% | 4,408 |
| Core capital (leverage) ratio | 9.1658% | 4,778 |
| Tier 1 risk-based capital ratio | 13.2947% | 4,258 |
| Total risk-based capital ratio | 14.5477% | 4,180 |
| Memoranda: | ||
| Average total assets | $132,046,750 | 3,892 |
| Average earning assets | $118,363,250 | 3,952 |
| Average equity | $12,520,250 | 4,261 |
| Average total loans | $79,792,250 | 3,866 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8137% | 868 |
| Cost of funding earning assets | 0.4418% | 2,819 |
| Net interest margin | 4.3720% | 802 |
| Noninterest income to average assets | 0.9510% | 1,298 |
| Noninterest expense to average assets | 3.6632% | 1,034 |
| Loan and lease loss provision to assets | 0.0106% | 3,897 |
| Net operating income to assets | 0.8228% | 3,260 |
| Return on assets (ROA) | 0.8270% | 3,346 |
| Pretax return on assets | 1.2034% | 2,764 |
| Return on Equity (ROE) | 8.8152% | 2,644 |
| Retained earnings to average equity (ytd only) | 6.3979% | 2,005 |
| Net charge-offs to loans | 0.0529% | 2,661 |
| Credit loss provision to net charge-offs | 33.3333% | 2,886 |
| Earnings coverage of net charge-offs (x) | 38.0476% | 1,168 |
| Efficiency ratio | 75.2017% | 2,514 |
| Assets per employee ($millions) | 2.7531% | 5,863 |
| Cash dividends to net income (ytd only)* | 27.4223% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3751% | 2,871 |
| Loan loss allowance to noncurrent loans | 85.5807% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 2.4262% | 796 |
| Noncurrent loans to loans | 1.6068% | 1,632 |
| Net loans and leases to total assets | 58.3758% | 4,057 |
| Net loans and leases to deposits | 64.6745% | 4,471 |
| Net loans and leases to core deposits | 66.1034% | 4,641 |
| Total domestic deposits to total assets | 90.2609% | 555 |
| Equity capital to assets | 9.3121% | 4,883 |
| Core capital (leverage) ratio | 9.6036% | 4,134 |
| Tier 1 risk-based capital ratio | 14.0540% | 3,895 |
| Total risk-based capital ratio | 15.2580% | 3,855 |
| Memoranda: | ||
| Average total assets | $132,287,670 | 3,922 |
| Average earning assets | $118,619,000 | 3,976 |
| Average equity | $12,410,330 | 4,301 |
| Average total loans | $79,367,330 | 3,905 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8212% | 824 |
| Cost of funding earning assets | 0.4404% | 2,875 |
| Net interest margin | 4.3808% | 762 |
| Noninterest income to average assets | 0.8734% | 1,488 |
| Noninterest expense to average assets | 3.6677% | 1,043 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7940% | 3,299 |
| Return on assets (ROA) | 0.7940% | 3,430 |
| Pretax return on assets | 1.1544% | 2,852 |
| Return on Equity (ROE) | 8.4316% | 2,734 |
| Retained earnings to average equity (ytd only) | 8.4316% | 1,400 |
| Net charge-offs to loans | -0.0354% | 5,342 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0608% | 2,505 |
| Assets per employee ($millions) | 2.6963% | 5,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 2,853 |
| Loan loss allowance to noncurrent loans | 154.5580% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 2.0655% | 1,132 |
| Noncurrent loans to loans | 0.9147% | 2,954 |
| Net loans and leases to total assets | 59.0603% | 3,786 |
| Net loans and leases to deposits | 65.4952% | 4,199 |
| Net loans and leases to core deposits | 67.1148% | 4,414 |
| Total domestic deposits to total assets | 90.1749% | 663 |
| Equity capital to assets | 9.4527% | 4,800 |
| Core capital (leverage) ratio | 9.0773% | 4,868 |
| Tier 1 risk-based capital ratio | 12.7861% | 4,737 |
| Total risk-based capital ratio | 13.9985% | 4,675 |
| Memoranda: | ||
| Average total assets | $130,981,500 | 3,971 |
| Average earning assets | $118,061,500 | 4,015 |
| Average equity | $12,334,500 | 4,351 |
| Average total loans | $79,127,500 | 3,925 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7719% | 1,166 |
| Cost of funding earning assets | 0.4785% | 2,894 |
| Net interest margin | 4.2934% | 1,071 |
| Noninterest income to average assets | 0.9363% | 1,394 |
| Noninterest expense to average assets | 3.5221% | 1,438 |
| Loan and lease loss provision to assets | 0.0227% | 4,157 |
| Net operating income to assets | 0.8496% | 3,119 |
| Return on assets (ROA) | 0.8502% | 3,213 |
| Pretax return on assets | 1.2451% | 2,466 |
| Return on Equity (ROE) | 9.2160% | 2,476 |
| Retained earnings to average equity (ytd only) | 6.2431% | 1,784 |
| Net charge-offs to loans | 0.1186% | 2,854 |
| Credit loss provision to net charge-offs | 32.9545% | 3,794 |
| Earnings coverage of net charge-offs (x) | 18.3750% | 1,851 |
| Efficiency ratio | 73.5438% | 2,918 |
| Assets per employee ($millions) | 2.6498% | 6,062 |
| Cash dividends to net income (ytd only)* | 32.2581% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4057% | 2,923 |
| Loan loss allowance to noncurrent loans | 115.9541% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 2.3975% | 973 |
| Noncurrent loans to loans | 1.2123% | 2,425 |
| Net loans and leases to total assets | 60.0676% | 3,784 |
| Net loans and leases to deposits | 66.4964% | 4,272 |
| Net loans and leases to core deposits | 68.1596% | 4,488 |
| Total domestic deposits to total assets | 90.3321% | 599 |
| Equity capital to assets | 9.3806% | 4,870 |
| Core capital (leverage) ratio | 9.4858% | 4,262 |
| Tier 1 risk-based capital ratio | 13.9052% | 4,162 |
| Total risk-based capital ratio | 15.1502% | 4,100 |
| Memoranda: | ||
| Average total assets | $127,624,400 | 4,023 |
| Average earning assets | $114,525,200 | 4,083 |
| Average equity | $11,773,000 | 4,404 |
| Average total loans | $74,174,400 | 4,052 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7074% | 1,291 |
| Cost of funding earning assets | 0.4818% | 2,938 |
| Net interest margin | 4.2256% | 1,207 |
| Noninterest income to average assets | 0.9129% | 1,485 |
| Noninterest expense to average assets | 3.4615% | 1,548 |
| Loan and lease loss provision to assets | 0.0168% | 4,079 |
| Net operating income to assets | 0.8314% | 3,281 |
| Return on assets (ROA) | 0.8321% | 3,361 |
| Pretax return on assets | 1.2182% | 2,708 |
| Return on Equity (ROE) | 9.0591% | 2,651 |
| Retained earnings to average equity (ytd only) | 9.0591% | 980 |
| Net charge-offs to loans | 0.1243% | 2,566 |
| Credit loss provision to net charge-offs | 23.5294% | 3,542 |
| Earnings coverage of net charge-offs (x) | 17.2949% | 1,914 |
| Efficiency ratio | 73.7207% | 2,861 |
| Assets per employee ($millions) | 2.6297% | 6,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4679% | 2,865 |
| Loan loss allowance to noncurrent loans | 131.8021% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 2.3910% | 1,131 |
| Noncurrent loans to loans | 1.1137% | 2,838 |
| Net loans and leases to total assets | 58.2917% | 4,031 |
| Net loans and leases to deposits | 64.6400% | 4,469 |
| Net loans and leases to core deposits | 66.2682% | 4,680 |
| Total domestic deposits to total assets | 90.1790% | 649 |
| Equity capital to assets | 9.4500% | 4,858 |
| Core capital (leverage) ratio | 9.6572% | 4,141 |
| Tier 1 risk-based capital ratio | 14.2044% | 4,078 |
| Total risk-based capital ratio | 15.4545% | 4,009 |
| Memoranda: | ||
| Average total assets | $127,070,000 | 4,064 |
| Average earning assets | $113,747,250 | 4,133 |
| Average equity | $11,671,250 | 4,453 |
| Average total loans | $72,941,750 | 4,122 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6887% | 1,305 |
| Cost of funding earning assets | 0.4784% | 3,041 |
| Net interest margin | 4.2103% | 1,216 |
| Noninterest income to average assets | 0.8824% | 1,551 |
| Noninterest expense to average assets | 3.4141% | 1,647 |
| Loan and lease loss provision to assets | 0.0158% | 3,942 |
| Net operating income to assets | 0.8318% | 3,171 |
| Return on assets (ROA) | 0.8318% | 3,263 |
| Pretax return on assets | 1.2097% | 2,630 |
| Return on Equity (ROE) | 9.1457% | 2,528 |
| Retained earnings to average equity (ytd only) | 9.1457% | 942 |
| Net charge-offs to loans | 0.2422% | 1,590 |
| Credit loss provision to net charge-offs | 11.4943% | 3,289 |
| Earnings coverage of net charge-offs (x) | 8.9080% | 2,430 |
| Efficiency ratio | 73.5855% | 3,044 |
| Assets per employee ($millions) | 2.7910% | 6,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 2,676 |
| Loan loss allowance to noncurrent loans | 102.0522% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 2.5618% | 1,085 |
| Noncurrent loans to loans | 1.5166% | 2,295 |
| Net loans and leases to total assets | 54.2029% | 4,517 |
| Net loans and leases to deposits | 60.0380% | 4,863 |
| Net loans and leases to core deposits | 61.9608% | 4,969 |
| Total domestic deposits to total assets | 90.2810% | 669 |
| Equity capital to assets | 9.2711% | 5,010 |
| Core capital (leverage) ratio | 9.4730% | 4,367 |
| Tier 1 risk-based capital ratio | 14.0048% | 4,256 |
| Total risk-based capital ratio | 15.2552% | 4,194 |
| Memoranda: | ||
| Average total assets | $126,474,330 | 4,106 |
| Average earning assets | $112,866,000 | 4,167 |
| Average equity | $11,502,670 | 4,497 |
| Average total loans | $71,845,000 | 4,166 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6488% | 1,380 |
| Cost of funding earning assets | 0.4717% | 3,215 |
| Net interest margin | 4.1771% | 1,276 |
| Noninterest income to average assets | 0.8955% | 1,403 |
| Noninterest expense to average assets | 3.3557% | 1,812 |
| Loan and lease loss provision to assets | 0.0223% | 3,539 |
| Net operating income to assets | 0.8509% | 2,891 |
| Return on assets (ROA) | 0.8509% | 2,964 |
| Pretax return on assets | 1.2429% | 2,304 |
| Return on Equity (ROE) | 9.4492% | 2,273 |
| Retained earnings to average equity (ytd only) | 9.4492% | 1,125 |
| Net charge-offs to loans | 0.4860% | 755 |
| Credit loss provision to net charge-offs | 7.9545% | 2,624 |
| Earnings coverage of net charge-offs (x) | 4.5114% | 2,516 |
| Efficiency ratio | 72.6207% | 3,374 |
| Assets per employee ($millions) | 2.7986% | 6,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5020% | 3,139 |
| Loan loss allowance to noncurrent loans | 138.5496% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 2.2348% | 1,478 |
| Noncurrent loans to loans | 1.0841% | 3,251 |
| Net loans and leases to total assets | 55.4733% | 4,212 |
| Net loans and leases to deposits | 61.2036% | 4,640 |
| Net loans and leases to core deposits | 62.4507% | 4,834 |
| Total domestic deposits to total assets | 90.6373% | 720 |
| Equity capital to assets | 8.9130% | 5,215 |
| Core capital (leverage) ratio | 9.5700% | 4,177 |
| Tier 1 risk-based capital ratio | 13.5354% | 4,658 |
| Total risk-based capital ratio | 14.7689% | 4,607 |
| Memoranda: | ||
| Average total assets | $125,517,500 | 4,154 |
| Average earning assets | $111,942,500 | 4,218 |
| Average equity | $11,302,500 | 4,544 |
| Average total loans | $72,425,500 | 4,184 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8774% | 1,137 |
| Cost of funding earning assets | 0.4705% | 3,903 |
| Net interest margin | 4.4069% | 899 |
| Noninterest income to average assets | 0.9174% | 1,621 |
| Noninterest expense to average assets | 3.4469% | 1,773 |
| Loan and lease loss provision to assets | 0.0261% | 4,603 |
| Net operating income to assets | 0.9415% | 2,599 |
| Return on assets (ROA) | 0.9427% | 2,671 |
| Pretax return on assets | 1.3870% | 1,835 |
| Return on Equity (ROE) | 10.3228% | 1,982 |
| Retained earnings to average equity (ytd only) | 7.0912% | 1,405 |
| Net charge-offs to loans | -0.6843% | 6,745 |
| Credit loss provision to net charge-offs | -6.6810% | 5,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9476% | 3,678 |
| Assets per employee ($millions) | 2.7796% | 6,137 |
| Cash dividends to net income (ytd only)* | 31.3059% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6185% | 2,687 |
| Loan loss allowance to noncurrent loans | 134.1352% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 2.4701% | 1,396 |
| Noncurrent loans to loans | 1.2067% | 3,132 |
| Net loans and leases to total assets | 58.1990% | 4,007 |
| Net loans and leases to deposits | 64.2615% | 4,480 |
| Net loans and leases to core deposits | 65.8799% | 4,705 |
| Total domestic deposits to total assets | 90.5659% | 776 |
| Equity capital to assets | 9.1013% | 4,921 |
| Core capital (leverage) ratio | 9.5178% | 4,234 |
| Tier 1 risk-based capital ratio | 13.6428% | 4,555 |
| Total risk-based capital ratio | 14.8946% | 4,499 |
| Memoranda: | ||
| Average total assets | $118,598,000 | 4,302 |
| Average earning assets | $106,060,200 | 4,361 |
| Average equity | $10,830,400 | 4,670 |
| Average total loans | $67,805,400 | 4,347 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8536% | 1,228 |
| Cost of funding earning assets | 0.4625% | 4,141 |
| Net interest margin | 4.3911% | 912 |
| Noninterest income to average assets | 0.8804% | 1,821 |
| Noninterest expense to average assets | 3.3686% | 1,898 |
| Loan and lease loss provision to assets | 0.1462% | 2,452 |
| Net operating income to assets | 0.8895% | 2,888 |
| Return on assets (ROA) | 0.8895% | 3,003 |
| Pretax return on assets | 1.3030% | 2,318 |
| Return on Equity (ROE) | 9.7314% | 2,291 |
| Retained earnings to average equity (ytd only) | 9.7314% | 846 |
| Net charge-offs to loans | -0.9239% | 6,826 |
| Credit loss provision to net charge-offs | -27.9221% | 5,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9200% | 3,771 |
| Assets per employee ($millions) | 2.7440% | 6,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8360% | 2,189 |
| Loan loss allowance to noncurrent loans | 121.1483% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 2.5801% | 1,475 |
| Noncurrent loans to loans | 1.5155% | 2,895 |
| Net loans and leases to total assets | 56.0654% | 4,314 |
| Net loans and leases to deposits | 62.0224% | 4,763 |
| Net loans and leases to core deposits | 63.3683% | 4,969 |
| Total domestic deposits to total assets | 90.3954% | 789 |
| Equity capital to assets | 9.1590% | 4,985 |
| Core capital (leverage) ratio | 9.6506% | 4,169 |
| Tier 1 risk-based capital ratio | 14.2428% | 4,258 |
| Total risk-based capital ratio | 15.4966% | 4,198 |
| Memoranda: | ||
| Average total assets | $117,672,250 | 4,366 |
| Average earning assets | $105,514,500 | 4,414 |
| Average equity | $10,755,250 | 4,746 |
| Average total loans | $66,669,500 | 4,422 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7217% | 1,512 |
| Cost of funding earning assets | 0.4563% | 4,357 |
| Net interest margin | 4.2654% | 1,106 |
| Noninterest income to average assets | 0.8607% | 1,962 |
| Noninterest expense to average assets | 3.3519% | 1,929 |
| Loan and lease loss provision to assets | 0.1800% | 2,110 |
| Net operating income to assets | 0.7972% | 3,309 |
| Return on assets (ROA) | 0.7972% | 3,465 |
| Pretax return on assets | 1.1590% | 2,847 |
| Return on Equity (ROE) | 8.7288% | 2,747 |
| Retained earnings to average equity (ytd only) | 8.7288% | 1,213 |
| Net charge-offs to loans | 0.0698% | 3,712 |
| Credit loss provision to net charge-offs | 456.5217% | 598 |
| Earnings coverage of net charge-offs (x) | 33.9565% | 1,045 |
| Efficiency ratio | 71.4547% | 3,564 |
| Assets per employee ($millions) | 2.8919% | 6,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 5,326 |
| Loan loss allowance to noncurrent loans | 60.2707% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 2.9705% | 1,373 |
| Noncurrent loans to loans | 1.8723% | 2,529 |
| Net loans and leases to total assets | 55.9418% | 4,302 |
| Net loans and leases to deposits | 61.8178% | 4,763 |
| Net loans and leases to core deposits | 63.1785% | 4,978 |
| Total domestic deposits to total assets | 90.4947% | 760 |
| Equity capital to assets | 9.1848% | 5,012 |
| Core capital (leverage) ratio | 9.4906% | 4,260 |
| Tier 1 risk-based capital ratio | 14.3269% | 4,208 |
| Total risk-based capital ratio | 15.2799% | 4,362 |
| Memoranda: | ||
| Average total assets | $116,651,670 | 4,427 |
| Average earning assets | $104,750,670 | 4,462 |
| Average equity | $10,654,330 | 4,799 |
| Average total loans | $65,907,330 | 4,468 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6482% | 1,681 |
| Cost of funding earning assets | 0.4575% | 4,509 |
| Net interest margin | 4.1907% | 1,216 |
| Noninterest income to average assets | 0.8263% | 2,015 |
| Noninterest expense to average assets | 3.3537% | 1,945 |
| Loan and lease loss provision to assets | 0.1867% | 1,972 |
| Net operating income to assets | 0.7364% | 3,502 |
| Return on assets (ROA) | 0.7364% | 3,638 |
| Pretax return on assets | 1.0545% | 3,127 |
| Return on Equity (ROE) | 8.0862% | 2,930 |
| Retained earnings to average equity (ytd only) | 8.0862% | 1,722 |
| Net charge-offs to loans | 0.0367% | 3,510 |
| Credit loss provision to net charge-offs | 900.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 59.8333% | 597 |
| Efficiency ratio | 72.9872% | 3,445 |
| Assets per employee ($millions) | 2.7985% | 6,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 5,624 |
| Loan loss allowance to noncurrent loans | 54.0763% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 2.8034% | 1,616 |
| Noncurrent loans to loans | 2.0276% | 2,592 |
| Net loans and leases to total assets | 55.4877% | 4,172 |
| Net loans and leases to deposits | 61.4025% | 4,632 |
| Net loans and leases to core deposits | 62.7639% | 4,876 |
| Total domestic deposits to total assets | 90.3672% | 837 |
| Equity capital to assets | 9.0781% | 5,391 |
| Core capital (leverage) ratio | 9.5141% | 4,057 |
| Tier 1 risk-based capital ratio | 14.1461% | 4,399 |
| Total risk-based capital ratio | 15.0651% | 4,605 |
| Memoranda: | ||
| Average total assets | $115,694,500 | 4,490 |
| Average earning assets | $104,039,500 | 4,515 |
| Average equity | $10,536,500 | 4,877 |
| Average total loans | $65,318,500 | 4,513 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1708% | 1,167 |
| Cost of funding earning assets | 0.6297% | 4,102 |
| Net interest margin | 4.5412% | 874 |
| Noninterest income to average assets | 0.9708% | 1,630 |
| Noninterest expense to average assets | 3.6871% | 1,438 |
| Loan and lease loss provision to assets | 0.4354% | 1,462 |
| Net operating income to assets | 0.6420% | 4,027 |
| Return on assets (ROA) | 0.6447% | 4,278 |
| Pretax return on assets | 0.9237% | 3,836 |
| Return on Equity (ROE) | 7.2741% | 3,481 |
| Retained earnings to average equity (ytd only) | 7.2741% | 1,437 |
| Net charge-offs to loans | 2.1637% | 317 |
| Credit loss provision to net charge-offs | 34.5034% | 5,030 |
| Earnings coverage of net charge-offs (x) | 1.0739% | 4,925 |
| Efficiency ratio | 73.1215% | 3,220 |
| Assets per employee ($millions) | 2.7108% | 6,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0433% | 5,791 |
| Loan loss allowance to noncurrent loans | 49.1983% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 2.8932% | 1,644 |
| Noncurrent loans to loans | 2.1207% | 2,560 |
| Net loans and leases to total assets | 56.2313% | 4,249 |
| Net loans and leases to deposits | 62.2161% | 4,765 |
| Net loans and leases to core deposits | 63.6373% | 5,000 |
| Total domestic deposits to total assets | 90.3806% | 760 |
| Equity capital to assets | 9.1372% | 5,353 |
| Core capital (leverage) ratio | 9.7860% | 3,677 |
| Tier 1 risk-based capital ratio | 13.8957% | 4,451 |
| Total risk-based capital ratio | 14.7592% | 4,696 |
| Memoranda: | ||
| Average total assets | $106,098,400 | 4,677 |
| Average earning assets | $95,129,800 | 4,719 |
| Average equity | $9,403,200 | 5,130 |
| Average total loans | $61,885,200 | 4,641 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2191% | 1,156 |
| Cost of funding earning assets | 0.6774% | 3,958 |
| Net interest margin | 4.5417% | 917 |
| Noninterest income to average assets | 0.9434% | 1,693 |
| Noninterest expense to average assets | 3.7019% | 1,359 |
| Loan and lease loss provision to assets | 0.5210% | 1,154 |
| Net operating income to assets | 0.5568% | 4,593 |
| Return on assets (ROA) | 0.5568% | 4,851 |
| Pretax return on assets | 0.7885% | 4,538 |
| Return on Equity (ROE) | 6.3364% | 4,151 |
| Retained earnings to average equity (ytd only) | 6.3364% | 2,466 |
| Net charge-offs to loans | 2.7611% | 208 |
| Credit loss provision to net charge-offs | 32.1231% | 4,768 |
| Earnings coverage of net charge-offs (x) | 0.8074% | 4,926 |
| Efficiency ratio | 73.8697% | 3,007 |
| Assets per employee ($millions) | 2.5472% | 6,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 5,780 |
| Loan loss allowance to noncurrent loans | 40.2218% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 3.3323% | 1,524 |
| Noncurrent loans to loans | 2.6997% | 2,100 |
| Net loans and leases to total assets | 58.6648% | 4,012 |
| Net loans and leases to deposits | 65.2140% | 4,567 |
| Net loans and leases to core deposits | 66.8050% | 4,865 |
| Total domestic deposits to total assets | 89.9574% | 871 |
| Equity capital to assets | 9.6201% | 5,034 |
| Core capital (leverage) ratio | 9.8172% | 3,793 |
| Tier 1 risk-based capital ratio | 13.5987% | 4,822 |
| Total risk-based capital ratio | 14.4858% | 5,035 |
| Memoranda: | ||
| Average total assets | $104,159,750 | 4,770 |
| Average earning assets | $93,295,750 | 4,818 |
| Average equity | $9,153,250 | 5,229 |
| Average total loans | $61,182,500 | 4,718 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2609% | 1,121 |
| Cost of funding earning assets | 0.7351% | 3,724 |
| Net interest margin | 4.5258% | 949 |
| Noninterest income to average assets | 0.9281% | 1,678 |
| Noninterest expense to average assets | 3.7203% | 1,335 |
| Loan and lease loss provision to assets | 0.1880% | 3,222 |
| Net operating income to assets | 0.7363% | 3,673 |
| Return on assets (ROA) | 0.7363% | 3,941 |
| Pretax return on assets | 1.0521% | 3,505 |
| Return on Equity (ROE) | 8.6623% | 2,961 |
| Retained earnings to average equity (ytd only) | 8.6623% | 1,393 |
| Net charge-offs to loans | 1.9296% | 444 |
| Credit loss provision to net charge-offs | 16.6381% | 4,662 |
| Earnings coverage of net charge-offs (x) | 1.0978% | 4,465 |
| Efficiency ratio | 75.0000% | 2,893 |
| Assets per employee ($millions) | 2.4545% | 6,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7163% | 3,156 |
| Loan loss allowance to noncurrent loans | 52.5824% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 3.4517% | 1,547 |
| Noncurrent loans to loans | 3.2640% | 1,783 |
| Net loans and leases to total assets | 58.0016% | 4,159 |
| Net loans and leases to deposits | 63.6871% | 4,809 |
| Net loans and leases to core deposits | 65.2386% | 5,085 |
| Total domestic deposits to total assets | 91.0727% | 422 |
| Equity capital to assets | 8.5454% | 6,163 |
| Core capital (leverage) ratio | 8.8861% | 5,071 |
| Tier 1 risk-based capital ratio | 12.7974% | 5,341 |
| Total risk-based capital ratio | 14.0502% | 5,312 |
| Memoranda: | ||
| Average total assets | $103,218,330 | 4,822 |
| Average earning assets | $91,962,000 | 4,874 |
| Average equity | $8,773,670 | 5,330 |
| Average total loans | $60,426,330 | 4,775 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3018% | 1,093 |
| Cost of funding earning assets | 0.7783% | 3,638 |
| Net interest margin | 4.5236% | 968 |
| Noninterest income to average assets | 0.7917% | 2,202 |
| Noninterest expense to average assets | 3.7783% | 1,243 |
| Loan and lease loss provision to assets | 0.0196% | 5,096 |
| Net operating income to assets | 0.7094% | 3,841 |
| Return on assets (ROA) | 0.7094% | 4,061 |
| Pretax return on assets | 1.0034% | 3,665 |
| Return on Equity (ROE) | 8.3690% | 3,113 |
| Retained earnings to average equity (ytd only) | 8.3690% | 1,829 |
| Net charge-offs to loans | 0.7731% | 1,329 |
| Credit loss provision to net charge-offs | 4.3478% | 3,963 |
| Earnings coverage of net charge-offs (x) | 2.2696% | 3,263 |
| Efficiency ratio | 78.6939% | 2,401 |
| Assets per employee ($millions) | 2.5040% | 6,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3841% | 1,534 |
| Loan loss allowance to noncurrent loans | 136.5784% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 2.5027% | 2,364 |
| Noncurrent loans to loans | 1.7456% | 3,494 |
| Net loans and leases to total assets | 56.2576% | 4,336 |
| Net loans and leases to deposits | 61.5898% | 4,974 |
| Net loans and leases to core deposits | 63.0865% | 5,212 |
| Total domestic deposits to total assets | 91.3424% | 427 |
| Equity capital to assets | 8.3305% | 6,244 |
| Core capital (leverage) ratio | 8.8330% | 5,094 |
| Tier 1 risk-based capital ratio | 12.4524% | 5,643 |
| Total risk-based capital ratio | 13.7116% | 5,601 |
| Memoranda: | ||
| Average total assets | $102,056,500 | 4,890 |
| Average earning assets | $90,459,000 | 4,947 |
| Average equity | $8,651,000 | 5,379 |
| Average total loans | $59,497,000 | 4,838 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2809% | 1,767 |
| Cost of funding earning assets | 0.9275% | 3,903 |
| Net interest margin | 4.3534% | 1,533 |
| Noninterest income to average assets | 1.0467% | 1,231 |
| Noninterest expense to average assets | 4.0495% | 961 |
| Loan and lease loss provision to assets | 0.1016% | 5,318 |
| Net operating income to assets | 0.8079% | 3,002 |
| Return on assets (ROA) | 0.0600% | 6,059 |
| Pretax return on assets | 0.0254% | 6,078 |
| Return on Equity (ROE) | 0.7046% | 6,020 |
| Retained earnings to average equity (ytd only) | 0.7046% | 5,518 |
| Net charge-offs to loans | 0.3833% | 3,493 |
| Credit loss provision to net charge-offs | 46.2963% | 5,507 |
| Earnings coverage of net charge-offs (x) | 3.9861% | 3,309 |
| Efficiency ratio | 82.2328% | 1,986 |
| Assets per employee ($millions) | 2.3558% | 6,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6634% | 1,123 |
| Loan loss allowance to noncurrent loans | 120.5426% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 3.0037% | 2,006 |
| Noncurrent loans to loans | 2.2095% | 2,938 |
| Net loans and leases to total assets | 57.4349% | 4,476 |
| Net loans and leases to deposits | 63.0334% | 5,116 |
| Net loans and leases to core deposits | 64.8844% | 5,374 |
| Total domestic deposits to total assets | 91.1183% | 457 |
| Equity capital to assets | 8.6321% | 5,978 |
| Core capital (leverage) ratio | 8.8970% | 4,946 |
| Tier 1 risk-based capital ratio | 12.3643% | 5,566 |
| Total risk-based capital ratio | 13.6253% | 5,529 |
| Memoranda: | ||
| Average total assets | $98,406,800 | 4,935 |
| Average earning assets | $87,656,200 | 4,998 |
| Average equity | $8,373,200 | 5,454 |
| Average total loans | $56,352,000 | 5,012 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2182% | 2,139 |
| Cost of funding earning assets | 0.9525% | 4,023 |
| Net interest margin | 4.2657% | 1,848 |
| Noninterest income to average assets | 1.0338% | 1,263 |
| Noninterest expense to average assets | 4.1204% | 870 |
| Loan and lease loss provision to assets | 0.0434% | 5,893 |
| Net operating income to assets | 0.4627% | 4,710 |
| Return on assets (ROA) | -0.1764% | 6,440 |
| Pretax return on assets | -0.3188% | 6,510 |
| Return on Equity (ROE) | -2.0805% | 6,487 |
| Retained earnings to average equity (ytd only) | -2.0805% | 6,308 |
| Net charge-offs to loans | 0.4178% | 3,050 |
| Credit loss provision to net charge-offs | 18.2857% | 5,582 |
| Earnings coverage of net charge-offs (x) | 3.0457% | 3,615 |
| Efficiency ratio | 85.0700% | 1,633 |
| Assets per employee ($millions) | 2.4082% | 6,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7771% | 1,052 |
| Loan loss allowance to noncurrent loans | 111.4515% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 2.9148% | 2,218 |
| Noncurrent loans to loans | 2.4917% | 2,780 |
| Net loans and leases to total assets | 54.1777% | 5,139 |
| Net loans and leases to deposits | 59.3178% | 5,716 |
| Net loans and leases to core deposits | 61.0551% | 5,905 |
| Total domestic deposits to total assets | 91.3346% | 336 |
| Equity capital to assets | 8.4669% | 6,332 |
| Core capital (leverage) ratio | 8.6729% | 5,451 |
| Tier 1 risk-based capital ratio | 12.8093% | 5,238 |
| Total risk-based capital ratio | 14.0711% | 5,212 |
| Memoranda: | ||
| Average total assets | $98,272,250 | 4,974 |
| Average earning assets | $87,768,250 | 5,038 |
| Average equity | $8,331,250 | 5,502 |
| Average total loans | $55,844,000 | 5,082 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1951% | 2,276 |
| Cost of funding earning assets | 0.9584% | 4,259 |
| Net interest margin | 4.2368% | 1,890 |
| Noninterest income to average assets | 0.9988% | 1,321 |
| Noninterest expense to average assets | 4.2052% | 827 |
| Loan and lease loss provision to assets | 0.0326% | 5,905 |
| Net operating income to assets | 0.4003% | 4,940 |
| Return on assets (ROA) | -0.2976% | 6,582 |
| Pretax return on assets | -0.5177% | 6,671 |
| Return on Equity (ROE) | -3.5089% | 6,623 |
| Retained earnings to average equity (ytd only) | -3.5089% | 6,422 |
| Net charge-offs to loans | 0.5524% | 2,447 |
| Credit loss provision to net charge-offs | 10.3226% | 5,244 |
| Earnings coverage of net charge-offs (x) | 1.9161% | 3,904 |
| Efficiency ratio | 87.4153% | 1,468 |
| Assets per employee ($millions) | 2.3188% | 7,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7218% | 1,158 |
| Loan loss allowance to noncurrent loans | 105.1476% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 3.5524% | 1,845 |
| Noncurrent loans to loans | 2.5885% | 2,788 |
| Net loans and leases to total assets | 54.9154% | 5,158 |
| Net loans and leases to deposits | 60.2551% | 5,701 |
| Net loans and leases to core deposits | 61.6527% | 5,928 |
| Total domestic deposits to total assets | 91.1381% | 451 |
| Equity capital to assets | 8.6884% | 5,954 |
| Core capital (leverage) ratio | 8.7655% | 5,098 |
| Tier 1 risk-based capital ratio | 12.5598% | 5,281 |
| Total risk-based capital ratio | 13.8217% | 5,244 |
| Memoranda: | ||
| Average total assets | $98,117,000 | 5,022 |
| Average earning assets | $88,275,000 | 5,047 |
| Average equity | $8,321,670 | 5,510 |
| Average total loans | $56,118,000 | 5,115 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2407% | 2,089 |
| Cost of funding earning assets | 0.9649% | 4,462 |
| Net interest margin | 4.2758% | 1,643 |
| Noninterest income to average assets | 0.9659% | 1,418 |
| Noninterest expense to average assets | 4.3238% | 705 |
| Loan and lease loss provision to assets | 0.0411% | 5,477 |
| Net operating income to assets | 0.2877% | 5,469 |
| Return on assets (ROA) | -1.0275% | 7,058 |
| Pretax return on assets | -1.6112% | 7,195 |
| Return on Equity (ROE) | -12.2684% | 7,083 |
| Retained earnings to average equity (ytd only) | -12.2684% | 6,953 |
| Net charge-offs to loans | 0.3712% | 2,579 |
| Credit loss provision to net charge-offs | 19.2308% | 4,261 |
| Earnings coverage of net charge-offs (x) | 2.2692% | 3,179 |
| Efficiency ratio | 89.9145% | 1,337 |
| Assets per employee ($millions) | 2.3818% | 7,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9452% | 962 |
| Loan loss allowance to noncurrent loans | 88.4845% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 3.6447% | 1,864 |
| Noncurrent loans to loans | 3.3285% | 2,255 |
| Net loans and leases to total assets | 53.6617% | 5,355 |
| Net loans and leases to deposits | 58.4881% | 5,882 |
| Net loans and leases to core deposits | 59.5628% | 6,132 |
| Total domestic deposits to total assets | 91.7480% | 354 |
| Equity capital to assets | 8.1631% | 6,325 |
| Core capital (leverage) ratio | 8.8955% | 4,780 |
| Tier 1 risk-based capital ratio | 12.0605% | 5,634 |
| Total risk-based capital ratio | 13.3222% | 5,620 |
| Memoranda: | ||
| Average total assets | $97,321,500 | 5,073 |
| Average earning assets | $87,470,000 | 5,112 |
| Average equity | $8,151,000 | 5,565 |
| Average total loans | $56,033,500 | 5,176 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8494% | 1,151 |
| Cost of funding earning assets | 1.1951% | 4,590 |
| Net interest margin | 4.6543% | 899 |
| Noninterest income to average assets | 0.9575% | 1,645 |
| Noninterest expense to average assets | 4.7833% | 508 |
| Loan and lease loss provision to assets | 0.0421% | 6,742 |
| Net operating income to assets | 0.2992% | 4,943 |
| Return on assets (ROA) | 0.1096% | 5,711 |
| Pretax return on assets | 0.1022% | 5,697 |
| Return on Equity (ROE) | 1.2903% | 5,625 |
| Retained earnings to average equity (ytd only) | 1.2903% | 4,905 |
| Net charge-offs to loans | 0.4717% | 3,735 |
| Credit loss provision to net charge-offs | 14.5455% | 6,592 |
| Earnings coverage of net charge-offs (x) | 1.1527% | 4,958 |
| Efficiency ratio | 93.4747% | 1,090 |
| Assets per employee ($millions) | 2.1502% | 7,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9424% | 913 |
| Loan loss allowance to noncurrent loans | 299.2832% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 2.2482% | 3,031 |
| Noncurrent loans to loans | 0.9831% | 5,090 |
| Net loans and leases to total assets | 58.2272% | 4,989 |
| Net loans and leases to deposits | 63.8897% | 5,641 |
| Net loans and leases to core deposits | 65.1378% | 5,961 |
| Total domestic deposits to total assets | 91.1370% | 538 |
| Equity capital to assets | 8.5998% | 5,727 |
| Core capital (leverage) ratio | 9.2248% | 4,127 |
| Tier 1 risk-based capital ratio | 11.6001% | 5,821 |
| Total risk-based capital ratio | 12.8609% | 5,816 |
| Memoranda: | ||
| Average total assets | $94,933,800 | 5,130 |
| Average earning assets | $84,846,600 | 5,184 |
| Average equity | $8,060,000 | 5,695 |
| Average total loans | $58,295,000 | 5,140 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8428% | 1,276 |
| Cost of funding earning assets | 1.2406% | 4,623 |
| Net interest margin | 4.6023% | 1,039 |
| Noninterest income to average assets | 0.9304% | 1,685 |
| Noninterest expense to average assets | 4.5577% | 555 |
| Loan and lease loss provision to assets | 0.0463% | 6,623 |
| Net operating income to assets | 0.3629% | 4,918 |
| Return on assets (ROA) | 0.2863% | 5,383 |
| Pretax return on assets | 0.3424% | 5,395 |
| Return on Equity (ROE) | 3.3825% | 5,058 |
| Retained earnings to average equity (ytd only) | 3.3825% | 4,068 |
| Net charge-offs to loans | 0.5794% | 3,002 |
| Credit loss provision to net charge-offs | 12.9412% | 6,310 |
| Earnings coverage of net charge-offs (x) | 1.3412% | 4,739 |
| Efficiency ratio | 90.4735% | 1,244 |
| Assets per employee ($millions) | 2.2987% | 7,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9102% | 894 |
| Loan loss allowance to noncurrent loans | 129.9614% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 3.2410% | 2,203 |
| Noncurrent loans to loans | 2.2392% | 3,403 |
| Net loans and leases to total assets | 58.1590% | 5,239 |
| Net loans and leases to deposits | 63.7282% | 5,945 |
| Net loans and leases to core deposits | 64.7557% | 6,236 |
| Total domestic deposits to total assets | 91.2610% | 364 |
| Equity capital to assets | 8.5391% | 6,232 |
| Core capital (leverage) ratio | 9.4507% | 3,986 |
| Tier 1 risk-based capital ratio | 11.4802% | 5,956 |
| Total risk-based capital ratio | 12.7407% | 5,931 |
| Memoranda: | ||
| Average total assets | $95,015,500 | 5,189 |
| Average earning assets | $84,796,750 | 5,245 |
| Average equity | $8,041,000 | 5,774 |
| Average total loans | $58,679,500 | 5,196 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9982% | 954 |
| Cost of funding earning assets | 1.2880% | 4,608 |
| Net interest margin | 4.7102% | 803 |
| Noninterest income to average assets | 0.8952% | 1,705 |
| Noninterest expense to average assets | 4.6664% | 487 |
| Loan and lease loss provision to assets | 0.0720% | 6,225 |
| Net operating income to assets | 0.3513% | 4,967 |
| Return on assets (ROA) | 0.2137% | 5,644 |
| Pretax return on assets | 0.2137% | 5,741 |
| Return on Equity (ROE) | 2.5334% | 5,447 |
| Retained earnings to average equity (ytd only) | 2.5334% | 4,542 |
| Net charge-offs to loans | 0.7836% | 2,287 |
| Credit loss provision to net charge-offs | 14.7186% | 5,900 |
| Earnings coverage of net charge-offs (x) | 0.8658% | 4,898 |
| Efficiency ratio | 91.6840% | 1,208 |
| Assets per employee ($millions) | 2.0640% | 7,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9414% | 875 |
| Loan loss allowance to noncurrent loans | 53.3750% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 5.8710% | 1,017 |
| Noncurrent loans to loans | 5.5108% | 1,199 |
| Net loans and leases to total assets | 59.3626% | 5,184 |
| Net loans and leases to deposits | 65.2058% | 5,899 |
| Net loans and leases to core deposits | 66.2763% | 6,222 |
| Total domestic deposits to total assets | 91.0387% | 470 |
| Equity capital to assets | 8.7632% | 5,795 |
| Core capital (leverage) ratio | 9.5687% | 3,718 |
| Tier 1 risk-based capital ratio | 11.4574% | 5,811 |
| Total risk-based capital ratio | 12.7182% | 5,777 |
| Memoranda: | ||
| Average total assets | $94,506,000 | 5,234 |
| Average earning assets | $84,158,330 | 5,288 |
| Average equity | $7,973,330 | 5,816 |
| Average total loans | $58,962,000 | 5,227 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0951% | 782 |
| Cost of funding earning assets | 1.3364% | 4,585 |
| Net interest margin | 4.7587% | 695 |
| Noninterest income to average assets | 0.8315% | 1,879 |
| Noninterest expense to average assets | 4.7132% | 471 |
| Loan and lease loss provision to assets | 0.1400% | 5,149 |
| Net operating income to assets | 0.2079% | 5,657 |
| Return on assets (ROA) | 0.0085% | 6,380 |
| Pretax return on assets | 0.0085% | 6,336 |
| Return on Equity (ROE) | 0.1026% | 6,376 |
| Retained earnings to average equity (ytd only) | 0.1026% | 5,780 |
| Net charge-offs to loans | 1.2389% | 1,371 |
| Credit loss provision to net charge-offs | 17.9348% | 4,968 |
| Earnings coverage of net charge-offs (x) | 0.4457% | 4,627 |
| Efficiency ratio | 93.1266% | 1,192 |
| Assets per employee ($millions) | 1.9731% | 7,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9802% | 837 |
| Loan loss allowance to noncurrent loans | 80.6066% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 2.8942% | 2,478 |
| Noncurrent loans to loans | 3.6972% | 2,155 |
| Net loans and leases to total assets | 60.2927% | 5,074 |
| Net loans and leases to deposits | 66.0345% | 5,816 |
| Net loans and leases to core deposits | 67.0975% | 6,195 |
| Total domestic deposits to total assets | 91.3049% | 439 |
| Equity capital to assets | 8.4681% | 6,047 |
| Core capital (leverage) ratio | 9.2077% | 4,209 |
| Tier 1 risk-based capital ratio | 10.8266% | 6,319 |
| Total risk-based capital ratio | 12.0873% | 6,287 |
| Memoranda: | ||
| Average total assets | $94,288,000 | 5,306 |
| Average earning assets | $83,804,500 | 5,370 |
| Average equity | $7,800,000 | 5,909 |
| Average total loans | $59,409,000 | 5,273 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3553% | 922 |
| Cost of funding earning assets | 1.9333% | 3,281 |
| Net interest margin | 4.4220% | 1,371 |
| Noninterest income to average assets | 0.7929% | 2,439 |
| Noninterest expense to average assets | 4.5165% | 787 |
| Loan and lease loss provision to assets | 2.2437% | 923 |
| Net operating income to assets | -1.2503% | 6,737 |
| Return on assets (ROA) | -1.2775% | 6,753 |
| Pretax return on assets | -2.0196% | 6,950 |
| Return on Equity (ROE) | -14.6050% | 6,916 |
| Retained earnings to average equity (ytd only) | -14.6050% | 6,863 |
| Net charge-offs to loans | 2.0401% | 1,203 |
| Credit loss provision to net charge-offs | 178.8255% | 2,331 |
| Earnings coverage of net charge-offs (x) | 0.2126% | 5,921 |
| Efficiency ratio | 94.4240% | 1,385 |
| Assets per employee ($millions) | 1.9157% | 7,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1770% | 664 |
| Loan loss allowance to noncurrent loans | 76.0479% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 3.3238% | 2,058 |
| Noncurrent loans to loans | 4.1776% | 1,747 |
| Net loans and leases to total assets | 61.8496% | 5,022 |
| Net loans and leases to deposits | 69.0325% | 5,721 |
| Net loans and leases to core deposits | 82.6846% | 5,852 |
| Total domestic deposits to total assets | 89.5950% | 1,162 |
| Equity capital to assets | 8.0752% | 6,499 |
| Core capital (leverage) ratio | 8.2207% | 5,776 |
| Tier 1 risk-based capital ratio | 10.4080% | 6,491 |
| Total risk-based capital ratio | 11.6712% | 6,452 |
| Memoranda: | ||
| Average total assets | $96,357,400 | 5,191 |
| Average earning assets | $86,951,400 | 5,230 |
| Average equity | $8,428,600 | 5,790 |
| Average total loans | $59,262,800 | 5,285 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3005% | 1,137 |
| Cost of funding earning assets | 2.0106% | 3,300 |
| Net interest margin | 4.2898% | 1,760 |
| Noninterest income to average assets | 0.7768% | 2,566 |
| Noninterest expense to average assets | 4.3472% | 857 |
| Loan and lease loss provision to assets | 1.4339% | 1,336 |
| Net operating income to assets | -0.6902% | 6,595 |
| Return on assets (ROA) | -0.7025% | 6,619 |
| Pretax return on assets | -1.1370% | 6,783 |
| Return on Equity (ROE) | -7.8850% | 6,718 |
| Retained earnings to average equity (ytd only) | -7.8850% | 6,588 |
| Net charge-offs to loans | 2.3806% | 774 |
| Credit loss provision to net charge-offs | 98.8626% | 5,177 |
| Earnings coverage of net charge-offs (x) | 0.2180% | 5,801 |
| Efficiency ratio | 93.2193% | 1,455 |
| Assets per employee ($millions) | 2.0357% | 7,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5495% | 3,196 |
| Loan loss allowance to noncurrent loans | 80.8950% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 1.7163% | 3,799 |
| Noncurrent loans to loans | 1.9154% | 3,751 |
| Net loans and leases to total assets | 59.8759% | 5,603 |
| Net loans and leases to deposits | 65.4930% | 6,356 |
| Net loans and leases to core deposits | 82.2726% | 6,165 |
| Total domestic deposits to total assets | 91.4234% | 276 |
| Equity capital to assets | 8.4683% | 6,285 |
| Core capital (leverage) ratio | 9.1154% | 4,464 |
| Tier 1 risk-based capital ratio | 10.8697% | 6,089 |
| Total risk-based capital ratio | 11.9696% | 6,200 |
| Memoranda: | ||
| Average total assets | $96,979,750 | 5,214 |
| Average earning assets | $87,864,250 | 5,237 |
| Average equity | $8,640,750 | 5,776 |
| Average total loans | $59,088,000 | 5,331 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2960% | 1,216 |
| Cost of funding earning assets | 2.0781% | 3,378 |
| Net interest margin | 4.2180% | 1,928 |
| Noninterest income to average assets | 0.7412% | 2,750 |
| Noninterest expense to average assets | 4.3204% | 926 |
| Loan and lease loss provision to assets | 2.1487% | 744 |
| Net operating income to assets | -1.2043% | 7,111 |
| Return on assets (ROA) | -1.2243% | 7,132 |
| Pretax return on assets | -1.9259% | 7,265 |
| Return on Equity (ROE) | -13.5090% | 7,253 |
| Retained earnings to average equity (ytd only) | -13.5090% | 7,154 |
| Net charge-offs to loans | 3.4801% | 450 |
| Credit loss provision to net charge-offs | 101.2758% | 4,511 |
| Earnings coverage of net charge-offs (x) | 0.1197% | 5,545 |
| Efficiency ratio | 94.4470% | 1,469 |
| Assets per employee ($millions) | 2.0376% | 7,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 2,779 |
| Loan loss allowance to noncurrent loans | 105.4645% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 1.4673% | 4,040 |
| Noncurrent loans to loans | 1.5100% | 4,229 |
| Net loans and leases to total assets | 59.7264% | 5,726 |
| Net loans and leases to deposits | 65.2615% | 6,456 |
| Net loans and leases to core deposits | 81.5536% | 6,276 |
| Total domestic deposits to total assets | 91.5186% | 321 |
| Equity capital to assets | 8.3512% | 6,265 |
| Core capital (leverage) ratio | 9.0449% | 4,560 |
| Tier 1 risk-based capital ratio | 10.7291% | 6,163 |
| Total risk-based capital ratio | 11.8530% | 6,228 |
| Memoranda: | ||
| Average total assets | $96,057,000 | 5,282 |
| Average earning assets | $87,293,000 | 5,288 |
| Average equity | $8,705,330 | 5,775 |
| Average total loans | $58,562,330 | 5,400 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3626% | 1,153 |
| Cost of funding earning assets | 2.0867% | 3,711 |
| Net interest margin | 4.2759% | 1,657 |
| Noninterest income to average assets | 0.7349% | 2,683 |
| Noninterest expense to average assets | 4.2097% | 931 |
| Loan and lease loss provision to assets | 4.3583% | 206 |
| Net operating income to assets | -2.5402% | 7,773 |
| Return on assets (ROA) | -2.5402% | 7,774 |
| Pretax return on assets | -3.9335% | 7,893 |
| Return on Equity (ROE) | -26.9097% | 7,872 |
| Retained earnings to average equity (ytd only) | -26.9097% | 7,813 |
| Net charge-offs to loans | 6.1100% | 155 |
| Credit loss provision to net charge-offs | 116.7235% | 3,342 |
| Earnings coverage of net charge-offs (x) | 0.1138% | 4,891 |
| Efficiency ratio | 90.8341% | 1,661 |
| Assets per employee ($millions) | 1.8993% | 7,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9485% | 1,529 |
| Loan loss allowance to noncurrent loans | 108.7043% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 1.5599% | 3,596 |
| Noncurrent loans to loans | 1.7925% | 3,572 |
| Net loans and leases to total assets | 57.0945% | 6,081 |
| Net loans and leases to deposits | 62.7421% | 6,671 |
| Net loans and leases to core deposits | 78.8177% | 6,475 |
| Total domestic deposits to total assets | 90.9987% | 413 |
| Equity capital to assets | 8.8650% | 5,530 |
| Core capital (leverage) ratio | 9.6665% | 3,796 |
| Tier 1 risk-based capital ratio | 11.8345% | 5,090 |
| Total risk-based capital ratio | 13.0860% | 4,999 |
| Memoranda: | ||
| Average total assets | $94,164,500 | 5,371 |
| Average earning assets | $85,876,500 | 5,362 |
| Average equity | $8,889,000 | 5,740 |
| Average total loans | $57,545,000 | 5,475 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1297% | 863 |
| Cost of funding earning assets | 2.2779% | 5,254 |
| Net interest margin | 4.8518% | 704 |
| Noninterest income to average assets | 0.8796% | 2,059 |
| Noninterest expense to average assets | 4.4150% | 937 |
| Loan and lease loss provision to assets | 0.0090% | 7,258 |
| Net operating income to assets | 0.6606% | 4,064 |
| Return on assets (ROA) | 0.6606% | 3,912 |
| Pretax return on assets | 0.9146% | 3,676 |
| Return on Equity (ROE) | 5.9396% | 3,968 |
| Retained earnings to average equity (ytd only) | -18.5294% | 7,641 |
| Net charge-offs to loans | 0.0348% | 6,323 |
| Credit loss provision to net charge-offs | 42.1053% | 6,432 |
| Earnings coverage of net charge-offs (x) | 43.0526% | 857 |
| Efficiency ratio | 82.6988% | 2,216 |
| Assets per employee ($millions) | 1.7589% | 8,066 |
| Cash dividends to net income (ytd only)* | 411.9658% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6222% | 2,150 |
| Loan loss allowance to noncurrent loans | 212.5000% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.4898% | 5,738 |
| Noncurrent loans to loans | 0.7634% | 5,121 |
| Net loans and leases to total assets | 63.1225% | 5,431 |
| Net loans and leases to deposits | 72.6400% | 5,988 |
| Net loans and leases to core deposits | 92.1078% | 5,629 |
| Total domestic deposits to total assets | 86.8977% | 1,983 |
| Equity capital to assets | 10.0487% | 3,976 |
| Core capital (leverage) ratio | 10.6649% | 2,852 |
| Tier 1 risk-based capital ratio | 11.4028% | 5,331 |
| Total risk-based capital ratio | 12.5105% | 5,361 |
| Memoranda: | ||
| Average total assets | $88,561,200 | 5,403 |
| Average earning assets | $81,392,400 | 5,389 |
| Average equity | $9,849,200 | 5,452 |
| Average total loans | $54,662,400 | 5,503 |