| 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 | 5.8218% | 805 |
| Cost of funding earning assets | 1.0241% | 3,242 |
| Net interest margin | 4.7977% | 418 |
| Noninterest income to average assets | 3.7400% | 157 |
| Noninterest expense to average assets | 5.2773% | 210 |
| Loan and lease loss provision to assets | 0.4400% | 217 |
| Net operating income to assets | 1.8472% | 570 |
| Return on assets (ROA) | 1.8472% | 553 |
| Pretax return on assets | 2.4257% | 365 |
| Return on Equity (ROE) | 8.7300% | 2,821 |
| Retained earnings to average equity (ytd only) | 8.7277% | 1,323 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.8462% | 2,626 |
| Assets per employee ($millions) | 4.1350% | 4,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2937% | 1,795 |
| Loan loss allowance to noncurrent loans | 1,922.2222% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 3,255 |
| Noncurrent loans to loans | 0.0673% | 3,231 |
| Net loans and leases to total assets | 73.6700% | 1,403 |
| Net loans and leases to deposits | 106.1707% | 286 |
| Net loans and leases to core deposits | 126.3086% | 478 |
| Total domestic deposits to total assets | 69.3800% | 4,311 |
| Equity capital to assets | 18.2093% | 341 |
| Core capital (leverage) ratio | 20.4576% | 256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $87,809,800 | 3,938 |
| Average earning assets | $80,559,000 | 3,925 |
| Average equity | $18,584,600 | 2,970 |
| Average total loans | $70,144,200 | 3,545 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7372% | 748 |
| Cost of funding earning assets | 0.8252% | 3,463 |
| Net interest margin | 4.9120% | 349 |
| Noninterest income to average assets | 4.4900% | 139 |
| Noninterest expense to average assets | 5.2007% | 216 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 3.5502% | 131 |
| Return on assets (ROA) | 3.5502% | 131 |
| Pretax return on assets | 3.5422% | 157 |
| Return on Equity (ROE) | 16.0500% | 1,250 |
| Retained earnings to average equity (ytd only) | 16.0477% | 452 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.0685% | 3,307 |
| Assets per employee ($millions) | 3.4735% | 4,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1023% | 2,859 |
| Loan loss allowance to noncurrent loans | 532.0513% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.2336% | 2,086 |
| Noncurrent loans to loans | 0.2072% | 2,525 |
| Net loans and leases to total assets | 82.4600% | 404 |
| Net loans and leases to deposits | 114.7334% | 125 |
| Net loans and leases to core deposits | 120.1575% | 543 |
| Total domestic deposits to total assets | 71.8700% | 4,258 |
| Equity capital to assets | 22.2013% | 234 |
| Core capital (leverage) ratio | 22.8843% | 194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $82,884,500 | 4,008 |
| Average earning assets | $75,459,000 | 3,993 |
| Average equity | $18,336,500 | 2,977 |
| Average total loans | $67,621,250 | 3,595 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3428% | 1,027 |
| Cost of funding earning assets | 0.6794% | 3,544 |
| Net interest margin | 4.6635% | 490 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 5.4353% | 195 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.6272% | 4,576 |
| Return on assets (ROA) | -0.6272% | 4,572 |
| Pretax return on assets | -0.6396% | 4,565 |
| Return on Equity (ROE) | -2.8400% | 4,509 |
| Retained earnings to average equity (ytd only) | -2.8377% | 4,336 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 111.5724% | 93 |
| Assets per employee ($millions) | 2.7479% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1714% | 2,585 |
| Loan loss allowance to noncurrent loans | 76.6829% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 1.2434% | 318 |
| Noncurrent loans to loans | 1.5276% | 429 |
| Net loans and leases to total assets | 80.4400% | 589 |
| Net loans and leases to deposits | 102.8078% | 406 |
| Net loans and leases to core deposits | 106.9653% | 950 |
| Total domestic deposits to total assets | 78.2400% | 3,819 |
| Equity capital to assets | 21.3642% | 247 |
| Core capital (leverage) ratio | 21.3132% | 215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $80,363,000 | 4,043 |
| Average earning assets | $73,893,667 | 4,028 |
| Average equity | $17,761,000 | 3,041 |
| Average total loans | $65,061,667 | 3,637 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0980% | 1,091 |
| Cost of funding earning assets | 0.4762% | 3,766 |
| Net interest margin | 4.6217% | 492 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 5.0526% | 226 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.2673% | 4,565 |
| Return on assets (ROA) | -0.2673% | 4,552 |
| Pretax return on assets | -0.2874% | 4,545 |
| Return on Equity (ROE) | -1.1900% | 4,489 |
| Retained earnings to average equity (ytd only) | -1.1886% | 4,147 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 104.2328% | 136 |
| Assets per employee ($millions) | 3.2806% | 4,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2049% | 2,527 |
| Loan loss allowance to noncurrent loans | 95.6204% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.0440% | 386 |
| Noncurrent loans to loans | 1.2601% | 542 |
| Net loans and leases to total assets | 81.8500% | 386 |
| Net loans and leases to deposits | 106.7410% | 234 |
| Net loans and leases to core deposits | 111.3363% | 659 |
| Total domestic deposits to total assets | 76.6800% | 4,107 |
| Equity capital to assets | 22.6510% | 182 |
| Core capital (leverage) ratio | 21.7870% | 213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $79,326,000 | 4,104 |
| Average earning assets | $73,912,000 | 4,082 |
| Average equity | $17,835,500 | 3,059 |
| Average total loans | $64,044,000 | 3,696 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4165% | 851 |
| Cost of funding earning assets | 0.3123% | 2,778 |
| Net interest margin | 4.1042% | 650 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 5.1716% | 204 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.5688% | 4,648 |
| Return on assets (ROA) | -0.5688% | 4,638 |
| Pretax return on assets | -0.6350% | 4,637 |
| Return on Equity (ROE) | -3.2500% | 4,604 |
| Retained earnings to average equity (ytd only) | -3.2533% | 4,526 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 112.1319% | 84 |
| Assets per employee ($millions) | 2.9599% | 4,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2505% | 2,142 |
| Loan loss allowance to noncurrent loans | 89.0147% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.1049% | 375 |
| Noncurrent loans to loans | 1.4048% | 473 |
| Net loans and leases to total assets | 77.6700% | 835 |
| Net loans and leases to deposits | 100.5752% | 419 |
| Net loans and leases to core deposits | 104.7914% | 795 |
| Total domestic deposits to total assets | 77.2200% | 4,152 |
| Equity capital to assets | 22.3191% | 185 |
| Core capital (leverage) ratio | 20.8679% | 229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $81,580,800 | 4,110 |
| Average earning assets | $76,214,600 | 4,084 |
| Average equity | $14,262,600 | 3,432 |
| Average total loans | $57,858,200 | 3,772 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2136% | 865 |
| Cost of funding earning assets | 0.3153% | 2,011 |
| Net interest margin | 3.8983% | 808 |
| Noninterest income to average assets | 0.7800% | 1,070 |
| Noninterest expense to average assets | 4.4667% | 259 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.1545% | 4,638 |
| Return on assets (ROA) | -0.1545% | 4,617 |
| Pretax return on assets | -0.0439% | 4,582 |
| Return on Equity (ROE) | -0.9500% | 4,589 |
| Retained earnings to average equity (ytd only) | -0.9474% | 4,419 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 99.0809% | 168 |
| Assets per employee ($millions) | 3.5257% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3055% | 2,001 |
| Loan loss allowance to noncurrent loans | 383.4146% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.2423% | 2,012 |
| Noncurrent loans to loans | 0.3405% | 2,011 |
| Net loans and leases to total assets | 70.2200% | 1,462 |
| Net loans and leases to deposits | 90.0044% | 888 |
| Net loans and leases to core deposits | 96.2517% | 986 |
| Total domestic deposits to total assets | 78.0200% | 4,256 |
| Equity capital to assets | 21.4380% | 190 |
| Core capital (leverage) ratio | 20.0251% | 237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $81,996,500 | 4,127 |
| Average earning assets | $76,543,500 | 4,108 |
| Average equity | $13,369,000 | 3,576 |
| Average total loans | $56,609,000 | 3,813 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9985% | 938 |
| Cost of funding earning assets | 0.3240% | 1,494 |
| Net interest margin | 3.6745% | 956 |
| Noninterest income to average assets | 0.9245% | 796 |
| Noninterest expense to average assets | 4.7631% | 186 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.3254% | 4,660 |
| Return on assets (ROA) | -0.3254% | 4,636 |
| Pretax return on assets | -0.3994% | 4,636 |
| Return on Equity (ROE) | -2.2413% | 4,623 |
| Retained earnings to average equity (ytd only) | -2.2413% | 4,400 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2316% | 128 |
| Assets per employee ($millions) | 3.8873% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4371% | 1,608 |
| Loan loss allowance to noncurrent loans | 456.3953% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 2,381 |
| Noncurrent loans to loans | 0.3149% | 2,216 |
| Net loans and leases to total assets | 60.2177% | 2,300 |
| Net loans and leases to deposits | 76.1581% | 1,679 |
| Net loans and leases to core deposits | 81.3736% | 1,633 |
| Total domestic deposits to total assets | 79.0692% | 4,295 |
| Equity capital to assets | 20.4152% | 161 |
| Core capital (leverage) ratio | 21.8899% | 146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $81,123,333 | 4,188 |
| Average earning assets | $75,927,667 | 4,171 |
| Average equity | $11,778,667 | 3,803 |
| Average total loans | $55,410,000 | 3,872 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2016% | 514 |
| Cost of funding earning assets | 0.3501% | 1,198 |
| Net interest margin | 3.8514% | 567 |
| Noninterest income to average assets | 0.4936% | 2,175 |
| Noninterest expense to average assets | 4.4946% | 207 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.3170% | 4,667 |
| Return on assets (ROA) | -0.3170% | 4,653 |
| Pretax return on assets | -0.4001% | 4,664 |
| Return on Equity (ROE) | -2.8566% | 4,658 |
| Retained earnings to average equity (ytd only) | -2.8566% | 4,302 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6142% | 149 |
| Assets per employee ($millions) | 3.3757% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3877% | 1,956 |
| Loan loss allowance to noncurrent loans | 1,311.6667% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 3,296 |
| Noncurrent loans to loans | 0.1058% | 3,308 |
| Net loans and leases to total assets | 72.0337% | 830 |
| Net loans and leases to deposits | 81.3673% | 1,052 |
| Net loans and leases to core deposits | 86.7556% | 1,092 |
| Total domestic deposits to total assets | 88.5291% | 2,284 |
| Equity capital to assets | 10.8037% | 1,437 |
| Core capital (leverage) ratio | 9.4318% | 2,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $76,980,500 | 4,258 |
| Average earning assets | $71,973,000 | 4,240 |
| Average equity | $8,541,500 | 4,205 |
| Average total loans | $55,802,500 | 3,869 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4369% | 138 |
| Cost of funding earning assets | 0.4018% | 1,532 |
| Net interest margin | 5.0351% | 136 |
| Noninterest income to average assets | 2.8559% | 198 |
| Noninterest expense to average assets | 5.1469% | 171 |
| Loan and lease loss provision to assets | 0.4590% | 130 |
| Net operating income to assets | 1.5313% | 953 |
| Return on assets (ROA) | 1.5313% | 990 |
| Pretax return on assets | 1.9259% | 687 |
| Return on Equity (ROE) | 13.7437% | 1,258 |
| Retained earnings to average equity (ytd only) | 13.7437% | 328 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1062% | 2,110 |
| Assets per employee ($millions) | 3.3183% | 4,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4338% | 1,793 |
| Loan loss allowance to noncurrent loans | 434.8066% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.2948% | 2,068 |
| Noncurrent loans to loans | 0.3297% | 2,408 |
| Net loans and leases to total assets | 70.8901% | 935 |
| Net loans and leases to deposits | 80.7510% | 1,155 |
| Net loans and leases to core deposits | 85.8944% | 1,207 |
| Total domestic deposits to total assets | 87.7884% | 2,157 |
| Equity capital to assets | 11.3927% | 1,559 |
| Core capital (leverage) ratio | 9.5548% | 2,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $74,511,200 | 4,282 |
| Average earning assets | $69,193,600 | 4,272 |
| Average equity | $8,302,000 | 4,310 |
| Average total loans | $53,385,200 | 3,943 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7657% | 110 |
| Cost of funding earning assets | 0.4304% | 1,483 |
| Net interest margin | 5.3353% | 103 |
| Noninterest income to average assets | 3.6709% | 159 |
| Noninterest expense to average assets | 5.4406% | 147 |
| Loan and lease loss provision to assets | 0.6157% | 80 |
| Net operating income to assets | 2.0470% | 427 |
| Return on assets (ROA) | 2.0470% | 454 |
| Pretax return on assets | 2.5691% | 295 |
| Return on Equity (ROE) | 18.4789% | 571 |
| Retained earnings to average equity (ytd only) | 18.4789% | 182 |
| Net charge-offs to loans | 0.0126% | 1,866 |
| Credit loss provision to net charge-offs | 6,840.0000% | 116 |
| Earnings coverage of net charge-offs (x) | 353.8000% | 394 |
| Efficiency ratio | 61.9912% | 2,702 |
| Assets per employee ($millions) | 3.5893% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4301% | 1,892 |
| Loan loss allowance to noncurrent loans | 210.5121% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.5506% | 1,393 |
| Noncurrent loans to loans | 0.6794% | 1,620 |
| Net loans and leases to total assets | 71.4140% | 936 |
| Net loans and leases to deposits | 81.8132% | 1,127 |
| Net loans and leases to core deposits | 85.8558% | 1,303 |
| Total domestic deposits to total assets | 87.2891% | 2,221 |
| Equity capital to assets | 11.5992% | 1,604 |
| Core capital (leverage) ratio | 9.7391% | 2,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $74,058,750 | 4,345 |
| Average earning assets | $68,772,500 | 4,329 |
| Average equity | $8,203,750 | 4,375 |
| Average total loans | $53,008,750 | 3,998 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3390% | 65 |
| Cost of funding earning assets | 0.4509% | 1,509 |
| Net interest margin | 5.8881% | 68 |
| Noninterest income to average assets | 5.2812% | 109 |
| Noninterest expense to average assets | 5.9794% | 126 |
| Loan and lease loss provision to assets | 0.9291% | 43 |
| Net operating income to assets | 3.0590% | 121 |
| Return on assets (ROA) | 3.0590% | 127 |
| Pretax return on assets | 3.8359% | 97 |
| Return on Equity (ROE) | 28.0658% | 126 |
| Retained earnings to average equity (ytd only) | 28.0658% | 51 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7914% | 3,702 |
| Assets per employee ($millions) | 2.9403% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4036% | 1,969 |
| Loan loss allowance to noncurrent loans | 210.7239% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.5455% | 1,525 |
| Noncurrent loans to loans | 0.6661% | 1,758 |
| Net loans and leases to total assets | 72.2233% | 936 |
| Net loans and leases to deposits | 82.7077% | 1,150 |
| Net loans and leases to core deposits | 86.7558% | 1,366 |
| Total domestic deposits to total assets | 87.3236% | 2,161 |
| Equity capital to assets | 11.4338% | 1,668 |
| Core capital (leverage) ratio | 9.8389% | 2,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $73,619,667 | 4,374 |
| Average earning assets | $68,307,000 | 4,363 |
| Average equity | $8,024,000 | 4,410 |
| Average total loans | $52,475,000 | 4,034 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8721% | 129 |
| Cost of funding earning assets | 0.5016% | 1,387 |
| Net interest margin | 5.3705% | 121 |
| Noninterest income to average assets | 0.3822% | 3,186 |
| Noninterest expense to average assets | 4.6645% | 193 |
| Loan and lease loss provision to assets | 0.3379% | 249 |
| Net operating income to assets | 0.3324% | 4,475 |
| Return on assets (ROA) | 0.3324% | 4,510 |
| Pretax return on assets | 0.4210% | 4,461 |
| Return on Equity (ROE) | 3.1309% | 4,450 |
| Retained earnings to average equity (ytd only) | 3.1309% | 3,740 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2697% | 583 |
| Assets per employee ($millions) | 2.7377% | 4,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9991% | 3,839 |
| Loan loss allowance to noncurrent loans | 118.8235% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.5750% | 1,650 |
| Noncurrent loans to loans | 0.8408% | 1,590 |
| Net loans and leases to total assets | 67.6998% | 1,565 |
| Net loans and leases to deposits | 75.8388% | 1,928 |
| Net loans and leases to core deposits | 79.5887% | 2,043 |
| Total domestic deposits to total assets | 89.2680% | 1,191 |
| Equity capital to assets | 10.3952% | 2,361 |
| Core capital (leverage) ratio | 8.8752% | 3,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3337% | 1,803 |
| Memoranda: |
| Average total assets | $72,205,000 | 4,409 |
| Average earning assets | $67,778,000 | 4,387 |
| Average equity | $7,665,500 | 4,465 |
| Average total loans | $50,712,500 | 4,084 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7682% | 123 |
| Cost of funding earning assets | 0.7379% | 1,518 |
| Net interest margin | 5.0302% | 118 |
| Noninterest income to average assets | 0.5885% | 2,263 |
| Noninterest expense to average assets | 4.9889% | 196 |
| Loan and lease loss provision to assets | 0.5148% | 461 |
| Net operating income to assets | -0.1815% | 4,814 |
| Return on assets (ROA) | -0.1815% | 4,830 |
| Pretax return on assets | -0.2269% | 4,829 |
| Return on Equity (ROE) | -1.6558% | 4,835 |
| Retained earnings to average equity (ytd only) | -1.6558% | 4,681 |
| Net charge-offs to loans | 0.0167% | 2,760 |
| Credit loss provision to net charge-offs | 4,033.3333% | 259 |
| Earnings coverage of net charge-offs (x) | 22.5556% | 1,846 |
| Efficiency ratio | 92.6901% | 300 |
| Assets per employee ($millions) | 2.5175% | 4,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8727% | 4,262 |
| Loan loss allowance to noncurrent loans | 99.7753% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.6313% | 1,667 |
| Noncurrent loans to loans | 0.8747% | 1,620 |
| Net loans and leases to total assets | 71.5453% | 1,356 |
| Net loans and leases to deposits | 80.8286% | 1,783 |
| Net loans and leases to core deposits | 85.7034% | 1,897 |
| Total domestic deposits to total assets | 88.5148% | 1,219 |
| Equity capital to assets | 10.8482% | 2,386 |
| Core capital (leverage) ratio | 8.8121% | 3,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0996% | 1,821 |
| Memoranda: |
| Average total assets | $70,516,000 | 4,379 |
| Average earning assets | $65,722,800 | 4,359 |
| Average equity | $7,730,400 | 4,450 |
| Average total loans | $53,861,800 | 4,023 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9804% | 115 |
| Cost of funding earning assets | 0.8201% | 1,396 |
| Net interest margin | 5.1603% | 111 |
| Noninterest income to average assets | 0.4897% | 2,652 |
| Noninterest expense to average assets | 4.5469% | 245 |
| Loan and lease loss provision to assets | 0.4977% | 589 |
| Net operating income to assets | 0.1947% | 4,603 |
| Return on assets (ROA) | 0.1947% | 4,643 |
| Pretax return on assets | 0.2515% | 4,605 |
| Return on Equity (ROE) | 1.7717% | 4,588 |
| Retained earnings to average equity (ytd only) | 1.7717% | 4,008 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0057% | 598 |
| Assets per employee ($millions) | 2.2501% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6534% | 4,659 |
| Loan loss allowance to noncurrent loans | 73.0849% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 0.6708% | 1,718 |
| Noncurrent loans to loans | 0.8940% | 1,673 |
| Net loans and leases to total assets | 74.5389% | 1,302 |
| Net loans and leases to deposits | 84.5852% | 1,848 |
| Net loans and leases to core deposits | 90.0762% | 1,960 |
| Total domestic deposits to total assets | 88.1229% | 1,163 |
| Equity capital to assets | 10.9494% | 2,430 |
| Core capital (leverage) ratio | 8.6194% | 4,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3030% | 2,065 |
| Memoranda: |
| Average total assets | $70,522,250 | 4,383 |
| Average earning assets | $65,679,750 | 4,370 |
| Average equity | $7,751,250 | 4,471 |
| Average total loans | $54,608,000 | 4,031 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1286% | 127 |
| Cost of funding earning assets | 0.7956% | 1,849 |
| Net interest margin | 5.3330% | 111 |
| Noninterest income to average assets | 0.3342% | 3,469 |
| Noninterest expense to average assets | 4.7324% | 221 |
| Loan and lease loss provision to assets | 0.4655% | 813 |
| Net operating income to assets | 0.0743% | 4,712 |
| Return on assets (ROA) | 0.0743% | 4,740 |
| Pretax return on assets | 0.0942% | 4,730 |
| Return on Equity (ROE) | 0.6747% | 4,726 |
| Retained earnings to average equity (ytd only) | 0.6747% | 4,168 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5877% | 471 |
| Assets per employee ($millions) | 2.4331% | 4,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4559% | 4,873 |
| Loan loss allowance to noncurrent loans | 55.9735% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 0.5993% | 2,008 |
| Noncurrent loans to loans | 0.8145% | 1,865 |
| Net loans and leases to total assets | 73.2423% | 1,518 |
| Net loans and leases to deposits | 83.2889% | 2,065 |
| Net loans and leases to core deposits | 91.1195% | 1,979 |
| Total domestic deposits to total assets | 87.9377% | 1,214 |
| Equity capital to assets | 10.3560% | 2,881 |
| Core capital (leverage) ratio | 8.6801% | 4,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $70,028,333 | 4,398 |
| Average earning assets | $65,104,333 | 4,388 |
| Average equity | $7,707,000 | 4,495 |
| Average total loans | $54,802,667 | 4,040 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3683% | 98 |
| Cost of funding earning assets | 0.8048% | 2,363 |
| Net interest margin | 5.5635% | 81 |
| Noninterest income to average assets | 0.3683% | 3,311 |
| Noninterest expense to average assets | 5.1032% | 213 |
| Loan and lease loss provision to assets | 0.4990% | 589 |
| Net operating income to assets | -0.0475% | 4,773 |
| Return on assets (ROA) | -0.0475% | 4,762 |
| Pretax return on assets | -0.0594% | 4,759 |
| Return on Equity (ROE) | -0.4180% | 4,769 |
| Retained earnings to average equity (ytd only) | -0.4180% | 4,059 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2465% | 488 |
| Assets per employee ($millions) | 2.2283% | 5,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3195% | 4,983 |
| Loan loss allowance to noncurrent loans | 62.3656% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 2,838 |
| Noncurrent loans to loans | 0.5123% | 2,733 |
| Net loans and leases to total assets | 78.5862% | 891 |
| Net loans and leases to deposits | 90.5746% | 1,445 |
| Net loans and leases to core deposits | 100.0608% | 1,464 |
| Total domestic deposits to total assets | 86.7640% | 1,664 |
| Equity capital to assets | 11.3323% | 2,560 |
| Core capital (leverage) ratio | 9.1972% | 4,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $67,330,000 | 4,451 |
| Average earning assets | $62,622,500 | 4,441 |
| Average equity | $7,655,000 | 4,531 |
| Average total loans | $54,456,000 | 4,061 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5249% | 4,841 |
| Cost of funding earning assets | 0.4172% | 4,385 |
| Net interest margin | 3.1077% | 4,348 |
| Noninterest income to average assets | 0.2514% | 4,174 |
| Noninterest expense to average assets | 2.7378% | 2,780 |
| Loan and lease loss provision to assets | 0.1331% | 1,600 |
| Net operating income to assets | 0.2278% | 4,822 |
| Return on assets (ROA) | 0.2278% | 4,842 |
| Pretax return on assets | 0.3003% | 4,816 |
| Return on Equity (ROE) | 1.7431% | 4,827 |
| Retained earnings to average equity (ytd only) | 1.7431% | 4,105 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4683% | 630 |
| Assets per employee ($millions) | 2.1156% | 5,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.1653% | 5,095 |
| Loan loss allowance to noncurrent loans | 32.2581% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 2,692 |
| Noncurrent loans to loans | 0.5124% | 2,653 |
| Net loans and leases to total assets | 82.8919% | 441 |
| Net loans and leases to deposits | 95.6708% | 977 |
| Net loans and leases to core deposits | 104.9844% | 1,167 |
| Total domestic deposits to total assets | 86.6429% | 1,785 |
| Equity capital to assets | 11.4084% | 2,611 |
| Core capital (leverage) ratio | 9.4009% | 4,169 |
| Tier 1 risk-based capital ratio | 12.6132% | 4,003 |
| Total risk-based capital ratio | 12.8010% | 4,484 |
| Memoranda: |
| Average total assets | $67,610,200 | 4,471 |
| Average earning assets | $63,519,800 | 4,444 |
| Average equity | $8,834,800 | 4,401 |
| Average total loans | $54,569,000 | 4,087 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.3975% | 5,219 |
| Cost of funding earning assets | 0.3398% | 4,690 |
| Net interest margin | 2.0577% | 5,175 |
| Noninterest income to average assets | 0.4032% | 3,297 |
| Noninterest expense to average assets | 2.0552% | 4,443 |
| Loan and lease loss provision to assets | 0.0254% | 3,386 |
| Net operating income to assets | 0.2016% | 4,948 |
| Return on assets (ROA) | 0.2016% | 4,965 |
| Pretax return on assets | 0.2545% | 4,946 |
| Return on Equity (ROE) | 1.4971% | 4,970 |
| Retained earnings to average equity (ytd only) | 1.4971% | 4,438 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5884% | 469 |
| Assets per employee ($millions) | 2.1085% | 5,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0241% | 5,200 |
| Loan loss allowance to noncurrent loans | 2.6694% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 0.7451% | 1,844 |
| Noncurrent loans to loans | 0.9031% | 1,771 |
| Net loans and leases to total assets | 82.4822% | 506 |
| Net loans and leases to deposits | 98.7454% | 745 |
| Net loans and leases to core deposits | 102.8718% | 1,424 |
| Total domestic deposits to total assets | 83.5302% | 2,983 |
| Equity capital to assets | 11.3629% | 2,786 |
| Core capital (leverage) ratio | 8.9429% | 4,677 |
| Tier 1 risk-based capital ratio | 13.0177% | 3,838 |
| Total risk-based capital ratio | 13.0460% | 4,412 |
| Memoranda: |
| Average total assets | $68,117,000 | 4,508 |
| Average earning assets | $63,954,750 | 4,491 |
| Average equity | $9,173,000 | 4,397 |
| Average total loans | $54,598,000 | 4,134 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.8353% | 5,295 |
| Cost of funding earning assets | 0.1541% | 5,155 |
| Net interest margin | 0.6812% | 5,295 |
| Noninterest income to average assets | 0.0579% | 5,143 |
| Noninterest expense to average assets | 0.6229% | 5,286 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.0579% | 5,078 |
| Return on assets (ROA) | 0.0579% | 5,085 |
| Pretax return on assets | 0.0753% | 5,082 |
| Return on Equity (ROE) | 0.4100% | 5,090 |
| Retained earnings to average equity (ytd only) | 0.4100% | 4,588 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2116% | 381 |
| Assets per employee ($millions) | 2.2712% | 5,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0000% | 5,251 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 0.6292% | 2,149 |
| Noncurrent loans to loans | 0.8267% | 1,938 |
| Net loans and leases to total assets | 76.1071% | 1,527 |
| Net loans and leases to deposits | 91.1091% | 1,609 |
| Net loans and leases to core deposits | 94.5544% | 2,199 |
| Total domestic deposits to total assets | 83.5341% | 3,039 |
| Equity capital to assets | 10.3997% | 3,605 |
| Core capital (leverage) ratio | 8.6102% | 4,904 |
| Tier 1 risk-based capital ratio | 13.2574% | 3,708 |
| Total risk-based capital ratio | 13.2574% | 4,300 |
| Memoranda: |
| Average total assets | $69,035,330 | 4,535 |
| Average earning assets | $64,889,330 | 4,512 |
| Average equity | $9,755,000 | 4,335 |
| Average total loans | $54,822,330 | 4,150 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9540% | 1,465 |
| Cost of funding earning assets | 0.7789% | 2,642 |
| Net interest margin | 4.1751% | 1,362 |
| Noninterest income to average assets | 0.3745% | 3,352 |
| Noninterest expense to average assets | 3.7571% | 692 |
| Loan and lease loss provision to assets | 0.0585% | 2,480 |
| Net operating income to assets | 0.3804% | 4,767 |
| Return on assets (ROA) | 0.3804% | 4,779 |
| Pretax return on assets | 0.4799% | 4,728 |
| Return on Equity (ROE) | 2.3698% | 4,915 |
| Retained earnings to average equity (ytd only) | 2.3698% | 3,962 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4659% | 509 |
| Assets per employee ($millions) | 2.2203% | 5,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0167% | 3,596 |
| Loan loss allowance to noncurrent loans | 38.9156% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 2.1168% | 431 |
| Noncurrent loans to loans | 2.6127% | 490 |
| Net loans and leases to total assets | 80.1973% | 810 |
| Net loans and leases to deposits | 103.0794% | 444 |
| Net loans and leases to core deposits | 107.3702% | 1,080 |
| Total domestic deposits to total assets | 77.8015% | 4,549 |
| Equity capital to assets | 16.0543% | 562 |
| Core capital (leverage) ratio | 16.3600% | 486 |
| Tier 1 risk-based capital ratio | 22.5280% | 986 |
| Total risk-based capital ratio | 23.6719% | 976 |
| Memoranda: |
| Average total assets | $68,350,000 | 4,596 |
| Average earning assets | $64,190,500 | 4,578 |
| Average equity | $10,971,500 | 4,191 |
| Average total loans | $55,441,500 | 4,178 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8518% | 1,420 |
| Cost of funding earning assets | 0.5985% | 2,734 |
| Net interest margin | 4.2532% | 1,270 |
| Noninterest income to average assets | 0.3900% | 3,494 |
| Noninterest expense to average assets | 3.7135% | 757 |
| Loan and lease loss provision to assets | 0.0607% | 2,946 |
| Net operating income to assets | 0.4613% | 4,745 |
| Return on assets (ROA) | 0.4613% | 4,743 |
| Pretax return on assets | 0.5843% | 4,660 |
| Return on Equity (ROE) | 2.8379% | 4,928 |
| Retained earnings to average equity (ytd only) | 2.8379% | 3,981 |
| Net charge-offs to loans | 0.0228% | 2,960 |
| Credit loss provision to net charge-offs | 333.3333% | 932 |
| Earnings coverage of net charge-offs (x) | 35.4167% | 1,438 |
| Efficiency ratio | 85.2019% | 569 |
| Assets per employee ($millions) | 2.3404% | 5,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0106% | 3,614 |
| Loan loss allowance to noncurrent loans | 40.0719% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 2.0480% | 460 |
| Noncurrent loans to loans | 2.5219% | 481 |
| Net loans and leases to total assets | 80.3878% | 881 |
| Net loans and leases to deposits | 103.3372% | 521 |
| Net loans and leases to core deposits | 110.1332% | 990 |
| Total domestic deposits to total assets | 77.7917% | 4,525 |
| Equity capital to assets | 16.0496% | 527 |
| Core capital (leverage) ratio | 16.2473% | 487 |
| Tier 1 risk-based capital ratio | 22.9255% | 929 |
| Total risk-based capital ratio | 24.0758% | 904 |
| Memoranda: |
| Average total assets | $65,895,000 | 4,658 |
| Average earning assets | $61,482,800 | 4,639 |
| Average equity | $10,712,000 | 4,204 |
| Average total loans | $52,701,400 | 4,250 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7611% | 1,518 |
| Cost of funding earning assets | 0.5604% | 2,786 |
| Net interest margin | 4.2007% | 1,356 |
| Noninterest income to average assets | 0.4077% | 3,435 |
| Noninterest expense to average assets | 3.8123% | 661 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4036% | 4,949 |
| Return on assets (ROA) | 0.4036% | 4,951 |
| Pretax return on assets | 0.5076% | 4,895 |
| Return on Equity (ROE) | 2.4749% | 5,074 |
| Retained earnings to average equity (ytd only) | 2.4749% | 4,413 |
| Net charge-offs to loans | -0.0973% | 5,155 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2492% | 395 |
| Assets per employee ($millions) | 2.3037% | 5,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0470% | 3,484 |
| Loan loss allowance to noncurrent loans | 40.1274% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 2.1600% | 464 |
| Noncurrent loans to loans | 2.6093% | 487 |
| Net loans and leases to total assets | 80.2102% | 986 |
| Net loans and leases to deposits | 103.3222% | 580 |
| Net loans and leases to core deposits | 109.0942% | 1,094 |
| Total domestic deposits to total assets | 77.6311% | 4,543 |
| Equity capital to assets | 16.0702% | 528 |
| Core capital (leverage) ratio | 16.3034% | 479 |
| Tier 1 risk-based capital ratio | 22.7538% | 966 |
| Total risk-based capital ratio | 23.9271% | 952 |
| Memoranda: |
| Average total assets | $65,401,000 | 4,715 |
| Average earning assets | $60,909,250 | 4,702 |
| Average equity | $10,666,750 | 4,245 |
| Average total loans | $52,097,500 | 4,306 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5787% | 1,846 |
| Cost of funding earning assets | 0.5356% | 2,729 |
| Net interest margin | 4.0432% | 1,715 |
| Noninterest income to average assets | 0.4035% | 3,457 |
| Noninterest expense to average assets | 3.8286% | 651 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2711% | 5,157 |
| Return on assets (ROA) | 0.2711% | 5,149 |
| Pretax return on assets | 0.3419% | 5,117 |
| Return on Equity (ROE) | 1.6536% | 5,209 |
| Retained earnings to average equity (ytd only) | 1.6536% | 4,583 |
| Net charge-offs to loans | -0.1478% | 5,268 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8021% | 317 |
| Assets per employee ($millions) | 2.3233% | 5,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0589% | 3,484 |
| Loan loss allowance to noncurrent loans | 35.4819% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 2.4163% | 371 |
| Noncurrent loans to loans | 2.9843% | 383 |
| Net loans and leases to total assets | 78.6330% | 1,225 |
| Net loans and leases to deposits | 100.8432% | 753 |
| Net loans and leases to core deposits | 105.3009% | 1,295 |
| Total domestic deposits to total assets | 77.9755% | 4,590 |
| Equity capital to assets | 15.8041% | 535 |
| Core capital (leverage) ratio | 16.3419% | 459 |
| Tier 1 risk-based capital ratio | 22.6485% | 967 |
| Total risk-based capital ratio | 23.8281% | 959 |
| Memoranda: |
| Average total assets | $64,932,330 | 4,772 |
| Average earning assets | $60,497,330 | 4,760 |
| Average equity | $10,643,670 | 4,286 |
| Average total loans | $51,412,330 | 4,363 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6038% | 1,554 |
| Cost of funding earning assets | 0.4981% | 2,809 |
| Net interest margin | 4.1057% | 1,424 |
| Noninterest income to average assets | 0.4081% | 3,405 |
| Noninterest expense to average assets | 3.9993% | 533 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1884% | 5,252 |
| Return on assets (ROA) | 0.1884% | 5,250 |
| Pretax return on assets | 0.2386% | 5,228 |
| Return on Equity (ROE) | 1.1277% | 5,294 |
| Retained earnings to average equity (ytd only) | 1.1277% | 4,596 |
| Net charge-offs to loans | -0.3019% | 5,446 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7778% | 3,211 |
| Assets per employee ($millions) | 2.1524% | 5,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1139% | 3,297 |
| Loan loss allowance to noncurrent loans | 53.0402% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 1.7794% | 686 |
| Noncurrent loans to loans | 2.1001% | 742 |
| Net loans and leases to total assets | 77.9530% | 1,246 |
| Net loans and leases to deposits | 99.3938% | 755 |
| Net loans and leases to core deposits | 104.6335% | 1,335 |
| Total domestic deposits to total assets | 78.4284% | 4,662 |
| Equity capital to assets | 16.4331% | 445 |
| Core capital (leverage) ratio | 16.7502% | 410 |
| Tier 1 risk-based capital ratio | 23.5995% | 884 |
| Total risk-based capital ratio | 24.8354% | 863 |
| Memoranda: |
| Average total assets | $63,711,000 | 4,853 |
| Average earning assets | $59,429,500 | 4,841 |
| Average equity | $10,641,500 | 4,327 |
| Average total loans | $50,345,500 | 4,437 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2455% | 2,517 |
| Cost of funding earning assets | 0.4126% | 3,129 |
| Net interest margin | 3.8328% | 2,307 |
| Noninterest income to average assets | 0.4004% | 3,636 |
| Noninterest expense to average assets | 3.5495% | 959 |
| Loan and lease loss provision to assets | 0.0450% | 3,341 |
| Net operating income to assets | 0.3434% | 4,844 |
| Return on assets (ROA) | 0.3539% | 4,841 |
| Pretax return on assets | 0.3404% | 5,168 |
| Return on Equity (ROE) | 2.2396% | 5,011 |
| Retained earnings to average equity (ytd only) | 2.2396% | 3,978 |
| Net charge-offs to loans | 0.1856% | 1,361 |
| Credit loss provision to net charge-offs | 34.4828% | 3,496 |
| Earnings coverage of net charge-offs (x) | 2.8736% | 3,684 |
| Efficiency ratio | 90.4471% | 412 |
| Assets per employee ($millions) | 2.1673% | 5,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0625% | 3,531 |
| Loan loss allowance to noncurrent loans | 49.4855% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 1.7804% | 702 |
| Noncurrent loans to loans | 2.1471% | 692 |
| Net loans and leases to total assets | 78.3758% | 1,232 |
| Net loans and leases to deposits | 99.6379% | 757 |
| Net loans and leases to core deposits | 104.2429% | 1,399 |
| Total domestic deposits to total assets | 78.6606% | 4,614 |
| Equity capital to assets | 16.9798% | 402 |
| Core capital (leverage) ratio | 16.9346% | 373 |
| Tier 1 risk-based capital ratio | 23.8894% | 824 |
| Total risk-based capital ratio | 25.0597% | 816 |
| Memoranda: |
| Average total assets | $66,685,400 | 4,832 |
| Average earning assets | $61,312,600 | 4,832 |
| Average equity | $10,537,800 | 4,373 |
| Average total loans | $46,869,800 | 4,539 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1402% | 2,834 |
| Cost of funding earning assets | 0.3953% | 3,247 |
| Net interest margin | 3.7449% | 2,595 |
| Noninterest income to average assets | 0.3784% | 3,822 |
| Noninterest expense to average assets | 3.5696% | 902 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1624% | 5,389 |
| Return on assets (ROA) | 0.1715% | 5,388 |
| Pretax return on assets | 0.2582% | 5,334 |
| Return on Equity (ROE) | 1.1043% | 5,419 |
| Retained earnings to average equity (ytd only) | 1.1043% | 4,946 |
| Net charge-offs to loans | 0.0087% | 3,417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 41.3325% | 1,268 |
| Efficiency ratio | 93.5917% | 299 |
| Assets per employee ($millions) | 2.0911% | 5,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1963% | 2,952 |
| Loan loss allowance to noncurrent loans | 28.0829% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 3.5118% | 217 |
| Noncurrent loans to loans | 4.2598% | 221 |
| Net loans and leases to total assets | 76.7583% | 1,457 |
| Net loans and leases to deposits | 94.5065% | 1,241 |
| Net loans and leases to core deposits | 98.7369% | 1,825 |
| Total domestic deposits to total assets | 81.2201% | 3,990 |
| Equity capital to assets | 16.8813% | 443 |
| Core capital (leverage) ratio | 17.1874% | 367 |
| Tier 1 risk-based capital ratio | 23.5140% | 894 |
| Total risk-based capital ratio | 24.7641% | 881 |
| Memoranda: |
| Average total assets | $67,644,000 | 4,868 |
| Average earning assets | $62,056,500 | 4,866 |
| Average equity | $10,504,250 | 4,419 |
| Average total loans | $46,140,000 | 4,605 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0024% | 3,198 |
| Cost of funding earning assets | 0.3990% | 3,085 |
| Net interest margin | 3.6034% | 3,021 |
| Noninterest income to average assets | 0.3897% | 3,751 |
| Noninterest expense to average assets | 3.4266% | 1,118 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1645% | 5,439 |
| Return on assets (ROA) | 0.1645% | 5,442 |
| Pretax return on assets | 0.2483% | 5,391 |
| Return on Equity (ROE) | 1.0882% | 5,461 |
| Retained earnings to average equity (ytd only) | 1.0882% | 4,810 |
| Net charge-offs to loans | -0.0133% | 4,628 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2443% | 325 |
| Assets per employee ($millions) | 2.4115% | 5,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2366% | 2,780 |
| Loan loss allowance to noncurrent loans | 22.7589% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 3.8536% | 184 |
| Noncurrent loans to loans | 5.4334% | 124 |
| Net loans and leases to total assets | 69.6702% | 2,573 |
| Net loans and leases to deposits | 84.3288% | 2,428 |
| Net loans and leases to core deposits | 86.8350% | 2,808 |
| Total domestic deposits to total assets | 82.6173% | 3,678 |
| Equity capital to assets | 15.6559% | 582 |
| Core capital (leverage) ratio | 15.9296% | 488 |
| Tier 1 risk-based capital ratio | 23.3323% | 909 |
| Total risk-based capital ratio | 24.5825% | 896 |
| Memoranda: |
| Average total assets | $69,281,330 | 4,874 |
| Average earning assets | $63,162,670 | 4,886 |
| Average equity | $10,475,670 | 4,441 |
| Average total loans | $45,275,000 | 4,656 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8758% | 3,484 |
| Cost of funding earning assets | 0.3857% | 3,132 |
| Net interest margin | 3.4901% | 3,308 |
| Noninterest income to average assets | 0.4162% | 3,555 |
| Noninterest expense to average assets | 3.4264% | 1,144 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1254% | 5,485 |
| Return on assets (ROA) | 0.1254% | 5,494 |
| Pretax return on assets | 0.1881% | 5,446 |
| Return on Equity (ROE) | 0.8439% | 5,522 |
| Retained earnings to average equity (ytd only) | 0.8439% | 4,709 |
| Net charge-offs to loans | -0.0272% | 4,886 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7950% | 352 |
| Assets per employee ($millions) | 2.2950% | 5,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3228% | 2,429 |
| Loan loss allowance to noncurrent loans | 27.4209% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 3.2484% | 285 |
| Noncurrent loans to loans | 4.8240% | 176 |
| Net loans and leases to total assets | 66.0176% | 2,967 |
| Net loans and leases to deposits | 80.0795% | 2,743 |
| Net loans and leases to core deposits | 83.5832% | 2,937 |
| Total domestic deposits to total assets | 82.4401% | 4,045 |
| Equity capital to assets | 15.7314% | 536 |
| Core capital (leverage) ratio | 15.1135% | 588 |
| Tier 1 risk-based capital ratio | 24.5819% | 812 |
| Total risk-based capital ratio | 25.8338% | 791 |
| Memoranda: |
| Average total assets | $70,161,500 | 4,913 |
| Average earning assets | $64,297,000 | 4,911 |
| Average equity | $10,428,000 | 4,476 |
| Average total loans | $44,097,000 | 4,724 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1656% | 2,604 |
| Cost of funding earning assets | 0.3777% | 3,228 |
| Net interest margin | 3.7878% | 2,361 |
| Noninterest income to average assets | 0.2783% | 4,753 |
| Noninterest expense to average assets | 3.3575% | 1,446 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3022% | 5,214 |
| Return on assets (ROA) | 0.3022% | 5,279 |
| Pretax return on assets | 0.4301% | 5,159 |
| Return on Equity (ROE) | 2.0560% | 5,395 |
| Retained earnings to average equity (ytd only) | 2.0560% | 4,371 |
| Net charge-offs to loans | 0.0434% | 3,166 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 15.3000% | 2,216 |
| Efficiency ratio | 88.6456% | 630 |
| Assets per employee ($millions) | 2.6346% | 5,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3420% | 2,332 |
| Loan loss allowance to noncurrent loans | 28.0383% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 2.8522% | 376 |
| Noncurrent loans to loans | 4.7862% | 176 |
| Net loans and leases to total assets | 58.4007% | 4,028 |
| Net loans and leases to deposits | 69.2365% | 3,982 |
| Net loans and leases to core deposits | 72.6517% | 4,040 |
| Total domestic deposits to total assets | 84.3496% | 3,291 |
| Equity capital to assets | 14.0793% | 861 |
| Core capital (leverage) ratio | 15.4957% | 529 |
| Tier 1 risk-based capital ratio | 25.2819% | 745 |
| Total risk-based capital ratio | 26.5337% | 734 |
| Memoranda: |
| Average total assets | $71,153,800 | 4,909 |
| Average earning assets | $65,921,600 | 4,895 |
| Average equity | $10,457,400 | 4,502 |
| Average total loans | $46,126,200 | 4,685 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2886% | 2,197 |
| Cost of funding earning assets | 0.3837% | 3,193 |
| Net interest margin | 3.9049% | 1,962 |
| Noninterest income to average assets | 0.2572% | 4,923 |
| Noninterest expense to average assets | 3.4571% | 1,230 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2704% | 5,347 |
| Return on assets (ROA) | 0.2704% | 5,424 |
| Pretax return on assets | 0.4180% | 5,272 |
| Return on Equity (ROE) | 1.8201% | 5,506 |
| Retained earnings to average equity (ytd only) | 1.8201% | 4,773 |
| Net charge-offs to loans | 0.0628% | 2,454 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 10.0464% | 2,616 |
| Efficiency ratio | 89.2143% | 603 |
| Assets per employee ($millions) | 2.3081% | 5,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2527% | 2,941 |
| Loan loss allowance to noncurrent loans | 27.9292% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 3.1598% | 352 |
| Noncurrent loans to loans | 4.4854% | 214 |
| Net loans and leases to total assets | 68.7742% | 2,690 |
| Net loans and leases to deposits | 83.7104% | 2,519 |
| Net loans and leases to core deposits | 88.4130% | 2,723 |
| Total domestic deposits to total assets | 82.1573% | 3,897 |
| Equity capital to assets | 15.8034% | 584 |
| Core capital (leverage) ratio | 15.5188% | 554 |
| Tier 1 risk-based capital ratio | 24.0730% | 896 |
| Total risk-based capital ratio | 25.3235% | 876 |
| Memoranda: |
| Average total assets | $70,500,250 | 4,965 |
| Average earning assets | $65,318,750 | 4,951 |
| Average equity | $10,475,250 | 4,545 |
| Average total loans | $46,741,000 | 4,711 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2866% | 2,190 |
| Cost of funding earning assets | 0.3872% | 3,180 |
| Net interest margin | 3.8993% | 1,980 |
| Noninterest income to average assets | 0.2064% | 5,261 |
| Noninterest expense to average assets | 3.3924% | 1,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2790% | 5,374 |
| Return on assets (ROA) | 0.2790% | 5,454 |
| Pretax return on assets | 0.4380% | 5,266 |
| Return on Equity (ROE) | 1.9155% | 5,525 |
| Retained earnings to average equity (ytd only) | 1.9155% | 4,599 |
| Net charge-offs to loans | 0.0855% | 1,991 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 7.8500% | 2,583 |
| Efficiency ratio | 88.5652% | 682 |
| Assets per employee ($millions) | 2.3673% | 5,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2859% | 2,865 |
| Loan loss allowance to noncurrent loans | 1,953.3333% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.2185% | 4,621 |
| Noncurrent loans to loans | 0.0658% | 5,189 |
| Net loans and leases to total assets | 65.5276% | 3,149 |
| Net loans and leases to deposits | 79.1728% | 3,036 |
| Net loans and leases to core deposits | 83.8587% | 3,098 |
| Total domestic deposits to total assets | 82.7653% | 3,739 |
| Equity capital to assets | 15.3266% | 661 |
| Core capital (leverage) ratio | 15.0963% | 594 |
| Tier 1 risk-based capital ratio | 24.5812% | 845 |
| Total risk-based capital ratio | 25.8329% | 836 |
| Memoranda: |
| Average total assets | $71,688,670 | 4,988 |
| Average earning assets | $66,627,000 | 4,962 |
| Average equity | $10,441,000 | 4,578 |
| Average total loans | $46,782,000 | 4,747 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1739% | 2,568 |
| Cost of funding earning assets | 0.3981% | 3,091 |
| Net interest margin | 3.7758% | 2,384 |
| Noninterest income to average assets | 0.1366% | 5,665 |
| Noninterest expense to average assets | 3.1363% | 2,001 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3278% | 5,219 |
| Return on assets (ROA) | 0.3278% | 5,305 |
| Pretax return on assets | 0.5245% | 5,018 |
| Return on Equity (ROE) | 2.3076% | 5,426 |
| Retained earnings to average equity (ytd only) | 2.3076% | 4,330 |
| Net charge-offs to loans | 0.0422% | 2,162 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 19.2000% | 1,517 |
| Efficiency ratio | 85.6716% | 1,005 |
| Assets per employee ($millions) | 2.5102% | 5,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2592% | 3,120 |
| Loan loss allowance to noncurrent loans | 282.1596% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 4,212 |
| Noncurrent loans to loans | 0.4463% | 3,840 |
| Net loans and leases to total assets | 67.0513% | 2,801 |
| Net loans and leases to deposits | 80.4929% | 2,732 |
| Net loans and leases to core deposits | 84.7242% | 2,871 |
| Total domestic deposits to total assets | 83.3008% | 3,789 |
| Equity capital to assets | 14.8723% | 721 |
| Core capital (leverage) ratio | 14.2283% | 753 |
| Tier 1 risk-based capital ratio | 24.0452% | 913 |
| Total risk-based capital ratio | 25.2975% | 899 |
| Memoranda: |
| Average total assets | $73,207,000 | 4,996 |
| Average earning assets | $68,329,000 | 4,971 |
| Average equity | $10,400,500 | 4,597 |
| Average total loans | $47,387,000 | 4,751 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4265% | 1,814 |
| Cost of funding earning assets | 0.4379% | 2,759 |
| Net interest margin | 3.9886% | 1,753 |
| Noninterest income to average assets | 0.7611% | 1,929 |
| Noninterest expense to average assets | 3.4032% | 1,481 |
| Loan and lease loss provision to assets | 0.1688% | 1,357 |
| Net operating income to assets | 0.5459% | 4,518 |
| Return on assets (ROA) | 0.5459% | 4,610 |
| Pretax return on assets | 0.8413% | 4,057 |
| Return on Equity (ROE) | 3.8341% | 5,016 |
| Retained earnings to average equity (ytd only) | 3.8341% | 3,308 |
| Net charge-offs to loans | 0.0918% | 2,518 |
| Credit loss provision to net charge-offs | 285.7143% | 1,024 |
| Earnings coverage of net charge-offs (x) | 17.0952% | 2,093 |
| Efficiency ratio | 77.1119% | 2,103 |
| Assets per employee ($millions) | 2.5376% | 5,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2881% | 2,975 |
| Loan loss allowance to noncurrent loans | 15,150.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 5,158 |
| Noncurrent loans to loans | 0.0085% | 5,505 |
| Net loans and leases to total assets | 61.0017% | 3,693 |
| Net loans and leases to deposits | 71.9766% | 3,721 |
| Net loans and leases to core deposits | 74.6372% | 3,879 |
| Total domestic deposits to total assets | 84.7522% | 3,193 |
| Equity capital to assets | 13.5927% | 1,093 |
| Core capital (leverage) ratio | 15.1883% | 583 |
| Tier 1 risk-based capital ratio | 24.2523% | 893 |
| Total risk-based capital ratio | 25.5039% | 876 |
| Memoranda: |
| Average total assets | $71,081,000 | 5,065 |
| Average earning assets | $65,085,600 | 5,060 |
| Average equity | $10,119,600 | 4,643 |
| Average total loans | $45,752,200 | 4,805 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4619% | 1,722 |
| Cost of funding earning assets | 0.4625% | 2,558 |
| Net interest margin | 3.9994% | 1,708 |
| Noninterest income to average assets | 0.3437% | 4,473 |
| Noninterest expense to average assets | 3.4717% | 1,340 |
| Loan and lease loss provision to assets | 0.0477% | 3,248 |
| Net operating income to assets | 0.2941% | 5,469 |
| Return on assets (ROA) | 0.2941% | 5,548 |
| Pretax return on assets | 0.4736% | 5,285 |
| Return on Equity (ROE) | 2.0405% | 5,658 |
| Retained earnings to average equity (ytd only) | 2.0405% | 4,855 |
| Net charge-offs to loans | 0.0059% | 3,971 |
| Credit loss provision to net charge-offs | 1,250.0000% | 292 |
| Earnings coverage of net charge-offs (x) | 136.3258% | 500 |
| Efficiency ratio | 86.9440% | 940 |
| Assets per employee ($millions) | 2.2109% | 6,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1230% | 4,096 |
| Loan loss allowance to noncurrent loans | 346.5409% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 4,562 |
| Noncurrent loans to loans | 0.3241% | 4,444 |
| Net loans and leases to total assets | 73.1448% | 1,881 |
| Net loans and leases to deposits | 88.7966% | 1,797 |
| Net loans and leases to core deposits | 93.8684% | 2,087 |
| Total domestic deposits to total assets | 82.3734% | 4,036 |
| Equity capital to assets | 15.3228% | 676 |
| Core capital (leverage) ratio | 14.9168% | 651 |
| Tier 1 risk-based capital ratio | 23.0029% | 1,052 |
| Total risk-based capital ratio | 24.2539% | 1,035 |
| Memoranda: |
| Average total assets | $69,819,000 | 5,163 |
| Average earning assets | $63,707,750 | 5,155 |
| Average equity | $10,062,500 | 4,710 |
| Average total loans | $45,428,750 | 4,861 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2927% | 2,190 |
| Cost of funding earning assets | 0.4657% | 2,554 |
| Net interest margin | 3.8271% | 2,214 |
| Noninterest income to average assets | 0.3409% | 4,514 |
| Noninterest expense to average assets | 3.4233% | 1,432 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2592% | 5,551 |
| Return on assets (ROA) | 0.2592% | 5,636 |
| Pretax return on assets | 0.4142% | 5,438 |
| Return on Equity (ROE) | 1.8348% | 5,719 |
| Retained earnings to average equity (ytd only) | 1.7351% | 4,826 |
| Net charge-offs to loans | 0.0045% | 3,743 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 147.0000% | 435 |
| Efficiency ratio | 89.2070% | 809 |
| Assets per employee ($millions) | 2.3927% | 6,087 |
| Cash dividends to net income (ytd only)* | 5.4348% | 3,548 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1484% | 4,088 |
| Loan loss allowance to noncurrent loans | 592.1348% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 5,116 |
| Noncurrent loans to loans | 0.1939% | 5,001 |
| Net loans and leases to total assets | 65.3782% | 3,072 |
| Net loans and leases to deposits | 78.3922% | 2,982 |
| Net loans and leases to core deposits | 82.6062% | 3,117 |
| Total domestic deposits to total assets | 83.3989% | 3,792 |
| Equity capital to assets | 14.5013% | 815 |
| Core capital (leverage) ratio | 14.2628% | 772 |
| Tier 1 risk-based capital ratio | 23.7539% | 985 |
| Total risk-based capital ratio | 25.0000% | 967 |
| Memoranda: |
| Average total assets | $70,983,330 | 5,184 |
| Average earning assets | $64,853,670 | 5,181 |
| Average equity | $10,028,330 | 4,744 |
| Average total loans | $44,216,670 | 4,942 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2139% | 2,399 |
| Cost of funding earning assets | 0.4784% | 2,466 |
| Net interest margin | 3.7355% | 2,491 |
| Noninterest income to average assets | 0.3845% | 4,124 |
| Noninterest expense to average assets | 3.2710% | 1,791 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3288% | 5,313 |
| Return on assets (ROA) | 0.3288% | 5,422 |
| Pretax return on assets | 0.5071% | 5,166 |
| Return on Equity (ROE) | 2.3573% | 5,588 |
| Retained earnings to average equity (ytd only) | 2.3573% | 4,512 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5782% | 1,128 |
| Assets per employee ($millions) | 2.1843% | 6,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1772% | 4,102 |
| Loan loss allowance to noncurrent loans | 593.2584% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.2218% | 5,052 |
| Noncurrent loans to loans | 0.1984% | 5,067 |
| Net loans and leases to total assets | 63.4110% | 3,176 |
| Net loans and leases to deposits | 75.9059% | 3,069 |
| Net loans and leases to core deposits | 79.9462% | 3,168 |
| Total domestic deposits to total assets | 83.5389% | 3,998 |
| Equity capital to assets | 14.4081% | 857 |
| Core capital (leverage) ratio | 13.8974% | 854 |
| Tier 1 risk-based capital ratio | 24.2040% | 974 |
| Total risk-based capital ratio | 25.4539% | 959 |
| Memoranda: |
| Average total assets | $71,781,500 | 5,204 |
| Average earning assets | $65,212,500 | 5,227 |
| Average equity | $10,011,500 | 4,782 |
| Average total loans | $43,379,500 | 5,003 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1414% | 3,162 |
| Cost of funding earning assets | 0.5173% | 2,515 |
| Net interest margin | 3.6241% | 3,321 |
| Noninterest income to average assets | 0.3704% | 4,424 |
| Noninterest expense to average assets | 3.8664% | 894 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.0933% | 6,151 |
| Return on assets (ROA) | -0.0933% | 6,157 |
| Pretax return on assets | -0.1866% | 6,183 |
| Return on Equity (ROE) | -0.6541% | 6,145 |
| Retained earnings to average equity (ytd only) | -0.7045% | 5,879 |
| Net charge-offs to loans | -0.0122% | 5,597 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0722% | 274 |
| Assets per employee ($millions) | 2.3020% | 6,272 |
| Cash dividends to net income (ytd only)* | -7.6923% | 6,477 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2599% | 3,668 |
| Loan loss allowance to noncurrent loans | 613.9535% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 5,144 |
| Noncurrent loans to loans | 0.2052% | 5,081 |
| Net loans and leases to total assets | 56.1732% | 4,313 |
| Net loans and leases to deposits | 66.7021% | 4,245 |
| Net loans and leases to core deposits | 70.0323% | 4,325 |
| Total domestic deposits to total assets | 84.2150% | 3,621 |
| Equity capital to assets | 13.5098% | 1,157 |
| Core capital (leverage) ratio | 14.6553% | 672 |
| Tier 1 risk-based capital ratio | 21.4888% | 1,314 |
| Total risk-based capital ratio | 22.6281% | 1,304 |
| Memoranda: |
| Average total assets | $69,651,600 | 5,308 |
| Average earning assets | $63,601,400 | 5,294 |
| Average equity | $9,936,600 | 4,763 |
| Average total loans | $40,951,200 | 5,148 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1660% | 3,104 |
| Cost of funding earning assets | 0.5306% | 2,460 |
| Net interest margin | 3.6354% | 3,288 |
| Noninterest income to average assets | 0.3399% | 4,719 |
| Noninterest expense to average assets | 3.9893% | 763 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.2098% | 6,270 |
| Return on assets (ROA) | -0.2098% | 6,274 |
| Pretax return on assets | -0.3224% | 6,305 |
| Return on Equity (ROE) | -1.4497% | 6,261 |
| Retained earnings to average equity (ytd only) | -1.5168% | 6,032 |
| Net charge-offs to loans | -0.0098% | 5,422 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.7924% | 235 |
| Assets per employee ($millions) | 2.0361% | 6,439 |
| Cash dividends to net income (ytd only)* | -4.6319% | 6,556 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3111% | 3,593 |
| Loan loss allowance to noncurrent loans | 604.5977% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 5,381 |
| Noncurrent loans to loans | 0.2168% | 5,251 |
| Net loans and leases to total assets | 60.7680% | 3,661 |
| Net loans and leases to deposits | 73.7456% | 3,464 |
| Net loans and leases to core deposits | 77.0461% | 3,629 |
| Total domestic deposits to total assets | 82.4022% | 4,336 |
| Equity capital to assets | 15.1544% | 705 |
| Core capital (leverage) ratio | 14.9797% | 624 |
| Tier 1 risk-based capital ratio | 27.1416% | 697 |
| Total risk-based capital ratio | 28.3951% | 684 |
| Memoranda: |
| Average total assets | $68,648,250 | 5,387 |
| Average earning assets | $62,825,000 | 5,373 |
| Average equity | $9,932,750 | 4,803 |
| Average total loans | $40,712,000 | 5,203 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0525% | 3,530 |
| Cost of funding earning assets | 0.5248% | 2,589 |
| Net interest margin | 3.5277% | 3,665 |
| Noninterest income to average assets | 0.3466% | 4,659 |
| Noninterest expense to average assets | 3.4378% | 1,597 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1003% | 6,046 |
| Return on assets (ROA) | 0.1003% | 6,079 |
| Pretax return on assets | 0.1633% | 6,002 |
| Return on Equity (ROE) | 0.7034% | 6,105 |
| Retained earnings to average equity (ytd only) | 0.6029% | 5,495 |
| Net charge-offs to loans | -0.0098% | 5,315 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4654% | 584 |
| Assets per employee ($millions) | 2.0851% | 6,479 |
| Cash dividends to net income (ytd only)* | 14.2857% | 3,349 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2799% | 3,965 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0824% | 5,922 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 60.6891% | 3,605 |
| Net loans and leases to deposits | 72.9604% | 3,454 |
| Net loans and leases to core deposits | 76.1147% | 3,620 |
| Total domestic deposits to total assets | 83.1810% | 4,229 |
| Equity capital to assets | 15.0175% | 695 |
| Core capital (leverage) ratio | 14.8819% | 626 |
| Tier 1 risk-based capital ratio | 27.7410% | 660 |
| Total risk-based capital ratio | 28.9929% | 645 |
| Memoranda: |
| Average total assets | $69,812,330 | 5,393 |
| Average earning assets | $64,405,000 | 5,373 |
| Average equity | $9,952,330 | 4,818 |
| Average total loans | $40,909,330 | 5,234 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9398% | 3,930 |
| Cost of funding earning assets | 0.5281% | 2,628 |
| Net interest margin | 3.4117% | 4,067 |
| Noninterest income to average assets | 0.3475% | 4,593 |
| Noninterest expense to average assets | 3.2064% | 2,217 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1850% | 5,842 |
| Return on assets (ROA) | 0.1850% | 5,885 |
| Pretax return on assets | 0.2915% | 5,737 |
| Return on Equity (ROE) | 1.3308% | 5,968 |
| Retained earnings to average equity (ytd only) | 1.3308% | 5,083 |
| Net charge-offs to loans | -0.0196% | 5,342 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6667% | 900 |
| Assets per employee ($millions) | 2.0829% | 6,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2980% | 4,134 |
| Loan loss allowance to noncurrent loans | 525.0000% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.2255% | 5,526 |
| Noncurrent loans to loans | 0.2472% | 5,363 |
| Net loans and leases to total assets | 58.0816% | 3,827 |
| Net loans and leases to deposits | 69.4313% | 3,671 |
| Net loans and leases to core deposits | 72.3243% | 3,843 |
| Total domestic deposits to total assets | 83.6534% | 4,400 |
| Equity capital to assets | 14.4859% | 793 |
| Core capital (leverage) ratio | 14.1511% | 775 |
| Tier 1 risk-based capital ratio | 27.6632% | 664 |
| Total risk-based capital ratio | 28.9171% | 652 |
| Memoranda: |
| Average total assets | $71,357,500 | 5,401 |
| Average earning assets | $65,891,500 | 5,378 |
| Average equity | $9,918,500 | 4,837 |
| Average total loans | $40,855,000 | 5,282 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4202% | 2,512 |
| Cost of funding earning assets | 0.6627% | 2,096 |
| Net interest margin | 3.7575% | 2,813 |
| Noninterest income to average assets | 0.4299% | 4,235 |
| Noninterest expense to average assets | 3.4660% | 1,739 |
| Loan and lease loss provision to assets | 0.0749% | 3,614 |
| Net operating income to assets | 0.2067% | 5,805 |
| Return on assets (ROA) | 0.2067% | 5,875 |
| Pretax return on assets | 0.3115% | 5,701 |
| Return on Equity (ROE) | 1.3940% | 6,010 |
| Retained earnings to average equity (ytd only) | 1.2930% | 5,247 |
| Net charge-offs to loans | 0.0361% | 4,724 |
| Credit loss provision to net charge-offs | 333.3333% | 683 |
| Earnings coverage of net charge-offs (x) | 17.2000% | 1,733 |
| Efficiency ratio | 89.9689% | 1,024 |
| Assets per employee ($millions) | 2.2418% | 6,548 |
| Cash dividends to net income (ytd only)* | 7.2464% | 4,106 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2699% | 4,295 |
| Loan loss allowance to noncurrent loans | 524.0000% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 5,558 |
| Noncurrent loans to loans | 0.2424% | 5,452 |
| Net loans and leases to total assets | 55.0670% | 4,452 |
| Net loans and leases to deposits | 64.8261% | 4,432 |
| Net loans and leases to core deposits | 67.2888% | 4,585 |
| Total domestic deposits to total assets | 84.9457% | 3,777 |
| Equity capital to assets | 13.3551% | 1,121 |
| Core capital (leverage) ratio | 15.6473% | 521 |
| Tier 1 risk-based capital ratio | 26.2450% | 755 |
| Total risk-based capital ratio | 27.4985% | 729 |
| Memoranda: |
| Average total assets | $66,763,400 | 5,571 |
| Average earning assets | $60,812,200 | 5,567 |
| Average equity | $9,899,800 | 4,873 |
| Average total loans | $41,536,800 | 5,284 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4837% | 2,295 |
| Cost of funding earning assets | 0.7148% | 1,853 |
| Net interest margin | 3.7688% | 2,766 |
| Noninterest income to average assets | 0.4680% | 4,013 |
| Noninterest expense to average assets | 3.4872% | 1,635 |
| Loan and lease loss provision to assets | 0.1026% | 3,053 |
| Net operating income to assets | 0.1868% | 5,942 |
| Return on assets (ROA) | 0.1868% | 6,015 |
| Pretax return on assets | 0.2976% | 5,883 |
| Return on Equity (ROE) | 1.2250% | 6,136 |
| Retained earnings to average equity (ytd only) | 1.0904% | 5,542 |
| Net charge-offs to loans | 0.0481% | 4,220 |
| Credit loss provision to net charge-offs | 333.3333% | 770 |
| Earnings coverage of net charge-offs (x) | 12.9995% | 2,077 |
| Efficiency ratio | 89.7043% | 1,024 |
| Assets per employee ($millions) | 1.8341% | 6,747 |
| Cash dividends to net income (ytd only)* | 10.9866% | 3,449 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1807% | 4,965 |
| Loan loss allowance to noncurrent loans | 259.4059% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.4411% | 5,105 |
| Noncurrent loans to loans | 0.4552% | 5,053 |
| Net loans and leases to total assets | 72.4581% | 1,535 |
| Net loans and leases to deposits | 88.7935% | 1,286 |
| Net loans and leases to core deposits | 93.1303% | 1,653 |
| Total domestic deposits to total assets | 81.6029% | 5,056 |
| Equity capital to assets | 16.2575% | 506 |
| Core capital (leverage) ratio | 16.0940% | 480 |
| Tier 1 risk-based capital ratio | 24.0322% | 1,001 |
| Total risk-based capital ratio | 25.2817% | 984 |
| Memoranda: |
| Average total assets | $64,959,500 | 5,689 |
| Average earning assets | $58,938,500 | 5,685 |
| Average equity | $9,904,750 | 4,921 |
| Average total loans | $41,605,500 | 5,331 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3521% | 2,753 |
| Cost of funding earning assets | 0.7637% | 1,629 |
| Net interest margin | 3.5884% | 3,411 |
| Noninterest income to average assets | 0.4726% | 4,011 |
| Noninterest expense to average assets | 3.4378% | 1,744 |
| Loan and lease loss provision to assets | 0.1505% | 2,440 |
| Net operating income to assets | 0.0753% | 6,184 |
| Return on assets (ROA) | 0.0753% | 6,269 |
| Pretax return on assets | 0.1234% | 6,196 |
| Return on Equity (ROE) | 0.5037% | 6,309 |
| Retained earnings to average equity (ytd only) | 0.3022% | 5,773 |
| Net charge-offs to loans | 0.0049% | 4,806 |
| Credit loss provision to net charge-offs | 5,000.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 504 |
| Efficiency ratio | 92.6196% | 850 |
| Assets per employee ($millions) | 1.9790% | 6,760 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,251 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2492% | 4,736 |
| Loan loss allowance to noncurrent loans | 363.5135% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.6127% | 4,712 |
| Noncurrent loans to loans | 0.3437% | 5,439 |
| Net loans and leases to total assets | 67.1551% | 2,388 |
| Net loans and leases to deposits | 81.4136% | 2,128 |
| Net loans and leases to core deposits | 85.6504% | 2,366 |
| Total domestic deposits to total assets | 82.4864% | 4,887 |
| Equity capital to assets | 15.5492% | 611 |
| Core capital (leverage) ratio | 15.5911% | 506 |
| Tier 1 risk-based capital ratio | 23.8389% | 1,015 |
| Total risk-based capital ratio | 25.0889% | 1,003 |
| Memoranda: |
| Average total assets | $66,437,330 | 5,672 |
| Average earning assets | $59,971,000 | 5,696 |
| Average equity | $9,926,330 | 4,964 |
| Average total loans | $40,680,670 | 5,395 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1833% | 3,366 |
| Cost of funding earning assets | 0.8223% | 1,410 |
| Net interest margin | 3.3610% | 4,268 |
| Noninterest income to average assets | 0.5354% | 3,529 |
| Noninterest expense to average assets | 3.3357% | 1,995 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1588% | 6,010 |
| Return on assets (ROA) | 0.1588% | 6,108 |
| Pretax return on assets | 0.2294% | 6,021 |
| Return on Equity (ROE) | 1.0837% | 6,202 |
| Retained earnings to average equity (ytd only) | 1.0837% | 5,418 |
| Net charge-offs to loans | 0.0101% | 3,947 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 806 |
| Efficiency ratio | 93.5644% | 864 |
| Assets per employee ($millions) | 2.0430% | 6,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1566% | 5,376 |
| Loan loss allowance to noncurrent loans | 146.1078% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.9927% | 3,941 |
| Noncurrent loans to loans | 0.7916% | 4,538 |
| Net loans and leases to total assets | 63.7935% | 2,747 |
| Net loans and leases to deposits | 80.2066% | 2,049 |
| Net loans and leases to core deposits | 84.3940% | 2,281 |
| Total domestic deposits to total assets | 79.5365% | 5,862 |
| Equity capital to assets | 15.2673% | 696 |
| Core capital (leverage) ratio | 14.3857% | 697 |
| Tier 1 risk-based capital ratio | 23.8093% | 1,044 |
| Total risk-based capital ratio | 24.9796% | 1,034 |
| Memoranda: |
| Average total assets | $67,992,000 | 5,687 |
| Average earning assets | $61,291,000 | 5,701 |
| Average equity | $9,966,000 | 4,992 |
| Average total loans | $39,488,000 | 5,487 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1951% | 4,609 |
| Cost of funding earning assets | 0.8754% | 2,093 |
| Net interest margin | 3.3197% | 5,183 |
| Noninterest income to average assets | 0.3015% | 5,300 |
| Noninterest expense to average assets | 3.3101% | 2,305 |
| Loan and lease loss provision to assets | 0.0030% | 5,883 |
| Net operating income to assets | -0.0259% | 6,208 |
| Return on assets (ROA) | -0.0259% | 6,330 |
| Pretax return on assets | -0.0670% | 6,339 |
| Return on Equity (ROE) | -0.1706% | 6,324 |
| Retained earnings to average equity (ytd only) | -0.1706% | 5,881 |
| Net charge-offs to loans | 0.1211% | 4,478 |
| Credit loss provision to net charge-offs | 4.5455% | 5,453 |
| Earnings coverage of net charge-offs (x) | -0.9545% | 5,754 |
| Efficiency ratio | 101.9700% | 493 |
| Assets per employee ($millions) | 2.3536% | 6,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3294% | 4,500 |
| Loan loss allowance to noncurrent loans | 95.3216% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 0.7889% | 4,491 |
| Noncurrent loans to loans | 1.3947% | 3,513 |
| Net loans and leases to total assets | 51.4014% | 4,987 |
| Net loans and leases to deposits | 63.3835% | 4,618 |
| Net loans and leases to core deposits | 66.3704% | 4,703 |
| Total domestic deposits to total assets | 81.0959% | 5,376 |
| Equity capital to assets | 14.0931% | 1,010 |
| Core capital (leverage) ratio | 15.5159% | 505 |
| Tier 1 risk-based capital ratio | 25.9222% | 778 |
| Total risk-based capital ratio | 27.1737% | 768 |
| Memoranda: |
| Average total assets | $65,677,200 | 5,758 |
| Average earning assets | $58,257,800 | 5,807 |
| Average equity | $9,966,800 | 4,988 |
| Average total loans | $36,339,800 | 5,668 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2694% | 4,579 |
| Cost of funding earning assets | 0.9075% | 2,125 |
| Net interest margin | 3.3619% | 5,174 |
| Noninterest income to average assets | 0.3062% | 5,333 |
| Noninterest expense to average assets | 3.3330% | 2,175 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.0476% | 6,335 |
| Return on assets (ROA) | -0.0476% | 6,456 |
| Pretax return on assets | -0.0683% | 6,460 |
| Return on Equity (ROE) | -0.3076% | 6,441 |
| Retained earnings to average equity (ytd only) | -0.3076% | 6,141 |
| Net charge-offs to loans | 0.1030% | 4,363 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -1.1787% | 5,592 |
| Efficiency ratio | 102.0913% | 477 |
| Assets per employee ($millions) | 1.9852% | 7,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4080% | 4,340 |
| Loan loss allowance to noncurrent loans | 130.9896% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 1.5941% | 3,207 |
| Noncurrent loans to loans | 1.0749% | 4,291 |
| Net loans and leases to total assets | 57.2327% | 4,256 |
| Net loans and leases to deposits | 73.2535% | 3,400 |
| Net loans and leases to core deposits | 77.3969% | 3,549 |
| Total domestic deposits to total assets | 78.1297% | 6,047 |
| Equity capital to assets | 16.2285% | 567 |
| Core capital (leverage) ratio | 15.8911% | 489 |
| Tier 1 risk-based capital ratio | 26.2737% | 802 |
| Total risk-based capital ratio | 27.5242% | 783 |
| Memoranda: |
| Average total assets | $64,444,250 | 5,867 |
| Average earning assets | $56,712,500 | 5,916 |
| Average equity | $9,970,750 | 5,029 |
| Average total loans | $36,229,000 | 5,740 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3000% | 4,578 |
| Cost of funding earning assets | 0.9202% | 2,259 |
| Net interest margin | 3.3798% | 5,166 |
| Noninterest income to average assets | 0.3424% | 5,097 |
| Noninterest expense to average assets | 3.2654% | 2,397 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0153% | 6,300 |
| Return on assets (ROA) | 0.0153% | 6,438 |
| Pretax return on assets | 0.0306% | 6,410 |
| Return on Equity (ROE) | 0.1003% | 6,445 |
| Retained earnings to average equity (ytd only) | 0.1003% | 6,009 |
| Net charge-offs to loans | 0.0110% | 5,300 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,934 |
| Efficiency ratio | 99.0724% | 592 |
| Assets per employee ($millions) | 2.1691% | 6,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5281% | 3,885 |
| Loan loss allowance to noncurrent loans | 302.2857% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 1.0874% | 4,205 |
| Noncurrent loans to loans | 0.5055% | 5,522 |
| Net loans and leases to total assets | 54.1946% | 4,765 |
| Net loans and leases to deposits | 68.8965% | 4,059 |
| Net loans and leases to core deposits | 72.6711% | 4,217 |
| Total domestic deposits to total assets | 78.6608% | 6,028 |
| Equity capital to assets | 15.8800% | 606 |
| Core capital (leverage) ratio | 15.6782% | 504 |
| Tier 1 risk-based capital ratio | 26.9264% | 730 |
| Total risk-based capital ratio | 28.1799% | 718 |
| Memoranda: |
| Average total assets | $65,412,330 | 5,868 |
| Average earning assets | $57,163,000 | 5,937 |
| Average equity | $9,965,330 | 5,040 |
| Average total loans | $36,397,330 | 5,768 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5164% | 3,849 |
| Cost of funding earning assets | 0.9101% | 2,609 |
| Net interest margin | 3.6063% | 4,240 |
| Noninterest income to average assets | 0.1320% | 6,587 |
| Noninterest expense to average assets | 3.1740% | 2,682 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0840% | 6,269 |
| Return on assets (ROA) | 0.0840% | 6,389 |
| Pretax return on assets | 0.1440% | 6,309 |
| Return on Equity (ROE) | 0.5626% | 6,427 |
| Retained earnings to average equity (ytd only) | 0.5626% | 5,823 |
| Net charge-offs to loans | 0.0536% | 3,964 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 4.8000% | 2,501 |
| Efficiency ratio | 95.6600% | 738 |
| Assets per employee ($millions) | 2.1946% | 7,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4168% | 4,531 |
| Loan loss allowance to noncurrent loans | 389.6296% | 868 |
| Noncurrent assets plus other real estate owned to assets | 1.1612% | 4,185 |
| Noncurrent loans to loans | 0.3636% | 5,946 |
| Net loans and leases to total assets | 57.5108% | 4,129 |
| Net loans and leases to deposits | 72.9438% | 3,277 |
| Net loans and leases to core deposits | 76.8767% | 3,491 |
| Total domestic deposits to total assets | 78.8426% | 6,109 |
| Equity capital to assets | 15.6359% | 633 |
| Core capital (leverage) ratio | 15.3044% | 556 |
| Tier 1 risk-based capital ratio | 25.2941% | 875 |
| Total risk-based capital ratio | 26.5444% | 856 |
| Memoranda: |
| Average total assets | $66,667,000 | 5,863 |
| Average earning assets | $58,897,000 | 5,910 |
| Average equity | $9,953,500 | 5,056 |
| Average total loans | $37,286,500 | 5,766 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5479% | 4,883 |
| Cost of funding earning assets | 1.0557% | 2,980 |
| Net interest margin | 3.4922% | 5,171 |
| Noninterest income to average assets | 0.3491% | 5,013 |
| Noninterest expense to average assets | 3.4479% | 2,125 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.0076% | 6,023 |
| Return on assets (ROA) | 0.0076% | 6,147 |
| Pretax return on assets | -0.0030% | 6,132 |
| Return on Equity (ROE) | 0.0505% | 6,151 |
| Retained earnings to average equity (ytd only) | 0.0505% | 5,814 |
| Net charge-offs to loans | 1.8229% | 802 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -0.0030% | 5,827 |
| Efficiency ratio | 100.0885% | 669 |
| Assets per employee ($millions) | 2.3231% | 6,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4180% | 4,379 |
| Loan loss allowance to noncurrent loans | 792.5373% | 475 |
| Noncurrent assets plus other real estate owned to assets | 1.1637% | 4,288 |
| Noncurrent loans to loans | 0.1789% | 6,388 |
| Net loans and leases to total assets | 52.9688% | 5,173 |
| Net loans and leases to deposits | 65.6734% | 4,779 |
| Net loans and leases to core deposits | 68.1768% | 5,004 |
| Total domestic deposits to total assets | 80.6549% | 5,550 |
| Equity capital to assets | 14.2857% | 974 |
| Core capital (leverage) ratio | 15.4668% | 534 |
| Tier 1 risk-based capital ratio | 24.6962% | 904 |
| Total risk-based capital ratio | 25.9461% | 892 |
| Memoranda: |
| Average total assets | $65,604,400 | 5,876 |
| Average earning assets | $58,159,000 | 5,928 |
| Average equity | $9,898,200 | 5,051 |
| Average total loans | $37,139,400 | 5,825 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5730% | 4,989 |
| Cost of funding earning assets | 1.0925% | 3,031 |
| Net interest margin | 3.4806% | 5,265 |
| Noninterest income to average assets | 0.3510% | 5,048 |
| Noninterest expense to average assets | 3.5220% | 1,887 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.0413% | 6,207 |
| Return on assets (ROA) | -0.0413% | 6,303 |
| Pretax return on assets | -0.0599% | 6,290 |
| Return on Equity (ROE) | -0.2698% | 6,298 |
| Retained earnings to average equity (ytd only) | -0.2698% | 6,026 |
| Net charge-offs to loans | 1.6332% | 857 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -0.0639% | 5,640 |
| Efficiency ratio | 101.7293% | 611 |
| Assets per employee ($millions) | 2.1151% | 7,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0412% | 2,228 |
| Loan loss allowance to noncurrent loans | 353.9906% | 902 |
| Noncurrent assets plus other real estate owned to assets | 1.9431% | 3,214 |
| Noncurrent loans to loans | 0.5766% | 5,723 |
| Net loans and leases to total assets | 57.0256% | 4,679 |
| Net loans and leases to deposits | 72.5921% | 3,874 |
| Net loans and leases to core deposits | 76.9861% | 4,055 |
| Total domestic deposits to total assets | 78.5561% | 6,086 |
| Equity capital to assets | 15.7137% | 683 |
| Core capital (leverage) ratio | 15.7463% | 538 |
| Tier 1 risk-based capital ratio | 24.6524% | 948 |
| Total risk-based capital ratio | 25.9107% | 930 |
| Memoranda: |
| Average total assets | $64,582,500 | 5,955 |
| Average earning assets | $57,728,000 | 5,987 |
| Average equity | $9,883,750 | 5,066 |
| Average total loans | $37,062,750 | 5,875 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5458% | 5,188 |
| Cost of funding earning assets | 1.1075% | 3,185 |
| Net interest margin | 3.4383% | 5,416 |
| Noninterest income to average assets | 0.2617% | 5,773 |
| Noninterest expense to average assets | 3.4730% | 2,056 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.0739% | 6,319 |
| Return on assets (ROA) | -0.0739% | 6,376 |
| Pretax return on assets | -0.1047% | 6,368 |
| Return on Equity (ROE) | -0.4871% | 6,357 |
| Retained earnings to average equity (ytd only) | -0.4871% | 5,961 |
| Net charge-offs to loans | 1.7842% | 791 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -0.1027% | 5,351 |
| Efficiency ratio | 103.1079% | 629 |
| Assets per employee ($millions) | 2.0026% | 7,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4178% | 1,559 |
| Loan loss allowance to noncurrent loans | 149.6587% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 2.5032% | 2,663 |
| Noncurrent loans to loans | 1.6155% | 3,973 |
| Net loans and leases to total assets | 57.0158% | 4,818 |
| Net loans and leases to deposits | 72.8373% | 3,977 |
| Net loans and leases to core deposits | 76.9662% | 4,195 |
| Total domestic deposits to total assets | 78.2784% | 6,235 |
| Equity capital to assets | 15.9550% | 611 |
| Core capital (leverage) ratio | 15.5957% | 560 |
| Tier 1 risk-based capital ratio | 25.1654% | 893 |
| Total risk-based capital ratio | 26.4275% | 873 |
| Memoranda: |
| Average total assets | $64,958,670 | 5,983 |
| Average earning assets | $58,692,000 | 6,002 |
| Average equity | $9,854,670 | 5,088 |
| Average total loans | $37,104,000 | 5,931 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4267% | 5,595 |
| Cost of funding earning assets | 1.1100% | 3,459 |
| Net interest margin | 3.3167% | 5,718 |
| Noninterest income to average assets | 0.1687% | 6,520 |
| Noninterest expense to average assets | 3.3917% | 2,303 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.1325% | 6,493 |
| Return on assets (ROA) | -0.1325% | 6,511 |
| Pretax return on assets | -0.1988% | 6,538 |
| Return on Equity (ROE) | -0.8953% | 6,471 |
| Retained earnings to average equity (ytd only) | -0.8953% | 5,960 |
| Net charge-offs to loans | -0.1173% | 7,128 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.2264% | 569 |
| Assets per employee ($millions) | 2.0624% | 7,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2099% | 768 |
| Loan loss allowance to noncurrent loans | 112.9870% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 1.8817% | 3,456 |
| Noncurrent loans to loans | 2.8410% | 2,659 |
| Net loans and leases to total assets | 57.4461% | 4,730 |
| Net loans and leases to deposits | 72.7844% | 3,948 |
| Net loans and leases to core deposits | 76.7416% | 4,202 |
| Total domestic deposits to total assets | 78.9264% | 6,209 |
| Equity capital to assets | 15.3551% | 693 |
| Core capital (leverage) ratio | 14.9974% | 671 |
| Tier 1 risk-based capital ratio | 25.6995% | 813 |
| Total risk-based capital ratio | 26.9725% | 790 |
| Memoranda: |
| Average total assets | $66,397,500 | 5,977 |
| Average earning assets | $60,542,000 | 5,978 |
| Average equity | $9,829,500 | 5,087 |
| Average total loans | $37,519,500 | 5,964 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8899% | 5,085 |
| Cost of funding earning assets | 1.2794% | 4,020 |
| Net interest margin | 3.6105% | 4,766 |
| Noninterest income to average assets | 0.2424% | 6,064 |
| Noninterest expense to average assets | 3.5040% | 2,161 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.0045% | 5,841 |
| Return on assets (ROA) | -0.0045% | 5,966 |
| Pretax return on assets | -0.0424% | 5,948 |
| Return on Equity (ROE) | -0.0302% | 5,965 |
| Retained earnings to average equity (ytd only) | -0.0302% | 5,592 |
| Net charge-offs to loans | 0.0243% | 6,569 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | -3.1111% | 6,743 |
| Efficiency ratio | 101.2254% | 739 |
| Assets per employee ($millions) | 2.2214% | 7,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2539% | 704 |
| Loan loss allowance to noncurrent loans | 1,311.9565% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.3209% | 6,443 |
| Noncurrent loans to loans | 0.2480% | 6,569 |
| Net loans and leases to total assets | 52.1144% | 5,892 |
| Net loans and leases to deposits | 64.7967% | 5,538 |
| Net loans and leases to core deposits | 68.6360% | 5,593 |
| Total domestic deposits to total assets | 80.4275% | 5,713 |
| Equity capital to assets | 14.2924% | 954 |
| Core capital (leverage) ratio | 15.6404% | 555 |
| Tier 1 risk-based capital ratio | 25.1210% | 831 |
| Total risk-based capital ratio | 26.3930% | 813 |
| Memoranda: |
| Average total assets | $66,010,600 | 6,001 |
| Average earning assets | $58,856,400 | 6,034 |
| Average equity | $9,930,400 | 5,156 |
| Average total loans | $36,970,000 | 6,068 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0353% | 4,650 |
| Cost of funding earning assets | 1.3360% | 4,003 |
| Net interest margin | 3.6993% | 4,401 |
| Noninterest income to average assets | 0.2471% | 6,126 |
| Noninterest expense to average assets | 3.5957% | 1,806 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.0613% | 6,124 |
| Return on assets (ROA) | -0.0613% | 6,231 |
| Pretax return on assets | -0.0694% | 6,185 |
| Return on Equity (ROE) | -0.4019% | 6,200 |
| Retained earnings to average equity (ytd only) | -0.4019% | 5,889 |
| Net charge-offs to loans | 0.0036% | 6,632 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -34.0827% | 6,656 |
| Efficiency ratio | 101.9687% | 688 |
| Assets per employee ($millions) | 1.9222% | 7,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2371% | 676 |
| Loan loss allowance to noncurrent loans | 524.1379% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 5,971 |
| Noncurrent loans to loans | 0.6176% | 5,970 |
| Net loans and leases to total assets | 59.0919% | 5,086 |
| Net loans and leases to deposits | 75.2453% | 4,305 |
| Net loans and leases to core deposits | 79.9542% | 4,526 |
| Total domestic deposits to total assets | 78.5323% | 6,139 |
| Equity capital to assets | 16.2475% | 631 |
| Core capital (leverage) ratio | 15.8557% | 580 |
| Tier 1 risk-based capital ratio | 25.2129% | 847 |
| Total risk-based capital ratio | 26.4854% | 824 |
| Memoranda: |
| Average total assets | $65,297,750 | 6,089 |
| Average earning assets | $57,882,750 | 6,131 |
| Average equity | $9,952,500 | 5,208 |
| Average total loans | $36,939,000 | 6,150 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0544% | 4,679 |
| Cost of funding earning assets | 1.3386% | 4,267 |
| Net interest margin | 3.7158% | 4,290 |
| Noninterest income to average assets | 0.1623% | 6,733 |
| Noninterest expense to average assets | 3.4405% | 2,164 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.0180% | 6,054 |
| Return on assets (ROA) | 0.0180% | 6,157 |
| Pretax return on assets | 0.0331% | 6,097 |
| Return on Equity (ROE) | 0.1207% | 6,162 |
| Retained earnings to average equity (ytd only) | 0.1207% | 5,695 |
| Net charge-offs to loans | 0.0054% | 6,298 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 1,813 |
| Efficiency ratio | 99.0484% | 842 |
| Assets per employee ($millions) | 1.9704% | 7,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2712% | 661 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2284% | 6,823 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 57.0257% | 5,561 |
| Net loans and leases to deposits | 72.1058% | 4,971 |
| Net loans and leases to core deposits | 75.6607% | 5,233 |
| Total domestic deposits to total assets | 79.0862% | 6,014 |
| Equity capital to assets | 15.8642% | 695 |
| Core capital (leverage) ratio | 15.5640% | 628 |
| Tier 1 risk-based capital ratio | 27.2865% | 679 |
| Total risk-based capital ratio | 28.5624% | 666 |
| Memoranda: |
| Average total assets | $66,560,000 | 6,084 |
| Average earning assets | $59,315,000 | 6,123 |
| Average equity | $9,938,670 | 5,218 |
| Average total loans | $36,730,670 | 6,209 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8091% | 5,863 |
| Cost of funding earning assets | 1.3445% | 4,532 |
| Net interest margin | 3.4646% | 5,311 |
| Noninterest income to average assets | 0.2518% | 6,139 |
| Noninterest expense to average assets | 3.4078% | 2,209 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.0117% | 6,319 |
| Return on assets (ROA) | -0.0117% | 6,415 |
| Pretax return on assets | -0.0176% | 6,381 |
| Return on Equity (ROE) | -0.0808% | 6,417 |
| Retained earnings to average equity (ytd only) | -0.0808% | 5,852 |
| Net charge-offs to loans | 0.0219% | 5,269 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -1.5000% | 5,433 |
| Efficiency ratio | 100.5181% | 819 |
| Assets per employee ($millions) | 2.0297% | 7,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2795% | 647 |
| Loan loss allowance to noncurrent loans | 3,197.3684% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 6,645 |
| Noncurrent loans to loans | 0.1026% | 7,137 |
| Net loans and leases to total assets | 55.1701% | 5,865 |
| Net loans and leases to deposits | 68.9176% | 5,480 |
| Net loans and leases to core deposits | 72.1654% | 5,697 |
| Total domestic deposits to total assets | 80.0523% | 5,762 |
| Equity capital to assets | 15.3564% | 792 |
| Core capital (leverage) ratio | 15.0987% | 736 |
| Tier 1 risk-based capital ratio | 25.4917% | 813 |
| Total risk-based capital ratio | 26.7644% | 791 |
| Memoranda: |
| Average total assets | $68,313,000 | 6,097 |
| Average earning assets | $61,883,000 | 6,095 |
| Average equity | $9,906,500 | 5,264 |
| Average total loans | $36,509,500 | 6,280 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1731% | 5,774 |
| Cost of funding earning assets | 1.8138% | 3,919 |
| Net interest margin | 3.3593% | 5,525 |
| Noninterest income to average assets | 0.2383% | 6,386 |
| Noninterest expense to average assets | 3.3811% | 2,739 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.0824% | 5,645 |
| Return on assets (ROA) | -0.0824% | 5,661 |
| Pretax return on assets | -0.0839% | 5,578 |
| Return on Equity (ROE) | -0.5839% | 5,636 |
| Retained earnings to average equity (ytd only) | -0.5839% | 5,134 |
| Net charge-offs to loans | -0.0532% | 7,847 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5455% | 993 |
| Assets per employee ($millions) | 2.0479% | 7,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3833% | 582 |
| Loan loss allowance to noncurrent loans | 1,931.7460% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.3376% | 6,599 |
| Noncurrent loans to loans | 0.1751% | 6,983 |
| Net loans and leases to total assets | 48.4876% | 6,771 |
| Net loans and leases to deposits | 58.9630% | 6,707 |
| Net loans and leases to core deposits | 70.8499% | 6,720 |
| Total domestic deposits to total assets | 82.2339% | 4,847 |
| Equity capital to assets | 13.7270% | 1,245 |
| Core capital (leverage) ratio | 15.2543% | 732 |
| Tier 1 risk-based capital ratio | 26.4066% | 735 |
| Total risk-based capital ratio | 27.6821% | 724 |
| Memoranda: |
| Average total assets | $66,724,800 | 6,122 |
| Average earning assets | $60,756,200 | 6,099 |
| Average equity | $9,420,200 | 5,473 |
| Average total loans | $35,729,800 | 6,320 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3347% | 5,248 |
| Cost of funding earning assets | 1.9129% | 3,810 |
| Net interest margin | 3.4218% | 5,177 |
| Noninterest income to average assets | 0.2382% | 6,525 |
| Noninterest expense to average assets | 3.4815% | 2,326 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.0794% | 5,858 |
| Return on assets (ROA) | -0.0794% | 5,894 |
| Pretax return on assets | -0.1222% | 5,872 |
| Return on Equity (ROE) | -0.5582% | 5,862 |
| Retained earnings to average equity (ytd only) | -0.5582% | 5,365 |
| Net charge-offs to loans | -0.0262% | 7,786 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.6364% | 932 |
| Assets per employee ($millions) | 1.9335% | 7,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5347% | 403 |
| Loan loss allowance to noncurrent loans | 1,912.6984% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.3793% | 6,524 |
| Noncurrent loans to loans | 0.1848% | 7,031 |
| Net loans and leases to total assets | 51.5398% | 6,651 |
| Net loans and leases to deposits | 64.6751% | 6,430 |
| Net loans and leases to core deposits | 80.4885% | 6,307 |
| Total domestic deposits to total assets | 79.6903% | 5,563 |
| Equity capital to assets | 15.5798% | 871 |
| Core capital (leverage) ratio | 15.4048% | 786 |
| Tier 1 risk-based capital ratio | 27.8430% | 691 |
| Total risk-based capital ratio | 29.1184% | 679 |
| Memoranda: |
| Average total assets | $65,487,000 | 6,193 |
| Average earning assets | $59,733,500 | 6,178 |
| Average equity | $9,315,500 | 5,552 |
| Average total loans | $35,669,500 | 6,367 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3884% | 5,213 |
| Cost of funding earning assets | 1.9654% | 3,941 |
| Net interest margin | 3.4230% | 5,088 |
| Noninterest income to average assets | 0.2180% | 6,743 |
| Noninterest expense to average assets | 3.4339% | 2,525 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.0485% | 5,920 |
| Return on assets (ROA) | -0.0485% | 5,988 |
| Pretax return on assets | -0.0727% | 5,966 |
| Return on Equity (ROE) | -0.3514% | 5,974 |
| Retained earnings to average equity (ytd only) | -0.3514% | 5,309 |
| Net charge-offs to loans | -0.0332% | 7,790 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1622% | 1,089 |
| Assets per employee ($millions) | 1.9692% | 7,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4224% | 406 |
| Loan loss allowance to noncurrent loans | 483.5341% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.6586% | 5,768 |
| Noncurrent loans to loans | 0.7078% | 5,828 |
| Net loans and leases to total assets | 52.2828% | 6,644 |
| Net loans and leases to deposits | 64.9103% | 6,481 |
| Net loans and leases to core deposits | 80.1831% | 6,391 |
| Total domestic deposits to total assets | 80.5463% | 5,250 |
| Equity capital to assets | 14.7019% | 1,106 |
| Core capital (leverage) ratio | 15.2828% | 860 |
| Tier 1 risk-based capital ratio | 25.9399% | 868 |
| Total risk-based capital ratio | 27.2114% | 839 |
| Memoranda: |
| Average total assets | $66,047,000 | 6,221 |
| Average earning assets | $60,649,000 | 6,195 |
| Average equity | $9,107,000 | 5,649 |
| Average total loans | $36,195,670 | 6,393 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5793% | 4,471 |
| Cost of funding earning assets | 2.0348% | 3,957 |
| Net interest margin | 3.5445% | 4,547 |
| Noninterest income to average assets | 0.1262% | 7,389 |
| Noninterest expense to average assets | 3.2683% | 2,744 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0601% | 6,096 |
| Return on assets (ROA) | 0.0601% | 6,253 |
| Pretax return on assets | 0.1021% | 6,164 |
| Return on Equity (ROE) | 0.4503% | 6,289 |
| Retained earnings to average equity (ytd only) | 0.4503% | 5,474 |
| Net charge-offs to loans | -0.0545% | 7,720 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9697% | 1,268 |
| Assets per employee ($millions) | 2.0862% | 7,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2813% | 382 |
| Loan loss allowance to noncurrent loans | 1,321.9780% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.4175% | 6,251 |
| Noncurrent loans to loans | 0.2482% | 6,830 |
| Net loans and leases to total assets | 54.8281% | 6,382 |
| Net loans and leases to deposits | 68.8431% | 6,097 |
| Net loans and leases to core deposits | 84.7430% | 6,000 |
| Total domestic deposits to total assets | 79.6422% | 5,491 |
| Equity capital to assets | 15.3356% | 1,005 |
| Core capital (leverage) ratio | 15.1938% | 924 |
| Tier 1 risk-based capital ratio | 25.2760% | 957 |
| Total risk-based capital ratio | 26.5471% | 925 |
| Memoranda: |
| Average total assets | $66,578,000 | 6,227 |
| Average earning assets | $60,940,000 | 6,216 |
| Average equity | $8,883,500 | 5,743 |
| Average total loans | $36,703,500 | 6,403 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1338% | 4,873 |
| Cost of funding earning assets | 2.6568% | 3,386 |
| Net interest margin | 3.4770% | 5,376 |
| Noninterest income to average assets | 0.2448% | 6,693 |
| Noninterest expense to average assets | 3.4691% | 2,477 |
| Loan and lease loss provision to assets | 0.2720% | 4,219 |
| Net operating income to assets | -0.2201% | 6,641 |
| Return on assets (ROA) | -0.1994% | 6,469 |
| Pretax return on assets | -0.2780% | 6,442 |
| Return on Equity (ROE) | -1.6777% | 6,461 |
| Retained earnings to average equity (ytd only) | -1.6777% | 5,786 |
| Net charge-offs to loans | 1.5080% | 770 |
| Credit loss provision to net charge-offs | 32.7869% | 6,501 |
| Earnings coverage of net charge-offs (x) | -0.0419% | 6,274 |
| Efficiency ratio | 101.0119% | 943 |
| Assets per employee ($millions) | 2.1401% | 7,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2603% | 348 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6264% | 5,323 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 51.9063% | 6,855 |
| Net loans and leases to deposits | 61.9005% | 6,952 |
| Net loans and leases to core deposits | 74.4377% | 6,945 |
| Total domestic deposits to total assets | 83.8544% | 3,392 |
| Equity capital to assets | 11.4612% | 2,662 |
| Core capital (leverage) ratio | 12.5188% | 1,743 |
| Tier 1 risk-based capital ratio | 19.5397% | 1,699 |
| Total risk-based capital ratio | 20.8093% | 1,649 |
| Memoranda: |
| Average total assets | $66,184,400 | 6,152 |
| Average earning assets | $60,712,800 | 6,146 |
| Average equity | $7,868,000 | 6,141 |
| Average total loans | $36,406,000 | 6,346 |
