| 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 | 5.5835% | 1,050 |
| Cost of funding earning assets | 1.5862% | 1,722 |
| Net interest margin | 3.9974% | 1,214 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 3.1053% | 951 |
| Loan and lease loss provision to assets | 0.2500% | 462 |
| Net operating income to assets | 0.5178% | 3,634 |
| Return on assets (ROA) | 0.5178% | 3,622 |
| Pretax return on assets | 0.6555% | 3,526 |
| Return on Equity (ROE) | 5.8800% | 3,542 |
| Retained earnings to average equity (ytd only) | 5.8759% | 2,297 |
| Net charge-offs to loans | 0.3637% | 296 |
| Credit loss provision to net charge-offs | 87.0728% | 1,969 |
| Earnings coverage of net charge-offs (x) | 3.1753% | 2,655 |
| Efficiency ratio | 77.4673% | 1,118 |
| Assets per employee ($millions) | 6.5155% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1919% | 2,345 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 76.5800% | 1,037 |
| Net loans and leases to deposits | 86.9691% | 1,536 |
| Net loans and leases to core deposits | 94.2347% | 1,756 |
| Total domestic deposits to total assets | 88.0600% | 1,335 |
| Equity capital to assets | 9.1400% | 2,580 |
| Core capital (leverage) ratio | 10.3192% | 2,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $236,598,400 | 2,756 |
| Average earning assets | $228,349,600 | 2,694 |
| Average equity | $20,847,800 | 2,787 |
| Average total loans | $185,047,200 | 2,396 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4762% | 1,044 |
| Cost of funding earning assets | 1.4890% | 1,640 |
| Net interest margin | 3.9872% | 1,242 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 3.0932% | 940 |
| Loan and lease loss provision to assets | 0.2900% | 324 |
| Net operating income to assets | 0.4886% | 3,789 |
| Return on assets (ROA) | 0.4886% | 3,788 |
| Pretax return on assets | 0.6194% | 3,709 |
| Return on Equity (ROE) | 5.6000% | 3,710 |
| Retained earnings to average equity (ytd only) | 5.5989% | 2,747 |
| Net charge-offs to loans | 0.0426% | 1,275 |
| Credit loss provision to net charge-offs | 855.9322% | 442 |
| Earnings coverage of net charge-offs (x) | 27.1017% | 1,650 |
| Efficiency ratio | 77.3577% | 1,063 |
| Assets per employee ($millions) | 6.2669% | 2,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4480% | 1,263 |
| Loan loss allowance to noncurrent loans | 319.0751% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.3632% | 1,580 |
| Noncurrent loans to loans | 0.4538% | 1,690 |
| Net loans and leases to total assets | 78.8800% | 771 |
| Net loans and leases to deposits | 89.1421% | 1,296 |
| Net loans and leases to core deposits | 98.9074% | 1,386 |
| Total domestic deposits to total assets | 88.4900% | 1,413 |
| Equity capital to assets | 8.5987% | 2,664 |
| Core capital (leverage) ratio | 10.0628% | 2,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $235,480,000 | 2,774 |
| Average earning assets | $226,988,750 | 2,706 |
| Average equity | $20,551,250 | 2,799 |
| Average total loans | $184,597,750 | 2,403 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3354% | 1,033 |
| Cost of funding earning assets | 1.3007% | 1,709 |
| Net interest margin | 4.0347% | 1,187 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 3.0717% | 932 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.6769% | 3,395 |
| Return on assets (ROA) | 0.6769% | 3,396 |
| Pretax return on assets | 0.8577% | 3,270 |
| Return on Equity (ROE) | 7.7200% | 3,308 |
| Retained earnings to average equity (ytd only) | 7.7177% | 2,062 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.0447% | 1,174 |
| Assets per employee ($millions) | 6.0615% | 2,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2685% | 2,078 |
| Loan loss allowance to noncurrent loans | 939.6154% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.1072% | 2,791 |
| Noncurrent loans to loans | 0.1350% | 2,796 |
| Net loans and leases to total assets | 78.4200% | 791 |
| Net loans and leases to deposits | 88.6149% | 1,291 |
| Net loans and leases to core deposits | 101.5277% | 1,156 |
| Total domestic deposits to total assets | 88.5000% | 1,427 |
| Equity capital to assets | 8.6654% | 2,735 |
| Core capital (leverage) ratio | 10.1798% | 2,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $234,592,667 | 2,787 |
| Average earning assets | $226,186,000 | 2,727 |
| Average equity | $20,576,000 | 2,811 |
| Average total loans | $182,596,333 | 2,416 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1959% | 955 |
| Cost of funding earning assets | 0.8089% | 2,699 |
| Net interest margin | 4.3871% | 705 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 3.1284% | 897 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 0.8983% | 2,861 |
| Return on assets (ROA) | 0.8983% | 2,820 |
| Pretax return on assets | 1.1359% | 2,607 |
| Return on Equity (ROE) | 10.1800% | 2,732 |
| Retained earnings to average equity (ytd only) | 10.1773% | 1,656 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.9398% | 1,647 |
| Assets per employee ($millions) | 5.7156% | 3,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3039% | 2,014 |
| Loan loss allowance to noncurrent loans | 888.1481% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 2,659 |
| Noncurrent loans to loans | 0.1468% | 2,762 |
| Net loans and leases to total assets | 81.4300% | 423 |
| Net loans and leases to deposits | 93.7166% | 806 |
| Net loans and leases to core deposits | 94.7240% | 1,346 |
| Total domestic deposits to total assets | 86.8900% | 2,308 |
| Equity capital to assets | 9.3558% | 2,254 |
| Core capital (leverage) ratio | 10.8199% | 1,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $230,659,500 | 2,839 |
| Average earning assets | $223,020,000 | 2,781 |
| Average equity | $20,359,000 | 2,851 |
| Average total loans | $177,602,500 | 2,485 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1604% | 1,328 |
| Cost of funding earning assets | 0.1988% | 3,766 |
| Net interest margin | 3.9616% | 837 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.9777% | 1,000 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7846% | 3,380 |
| Return on assets (ROA) | 0.7846% | 3,316 |
| Pretax return on assets | 0.9912% | 3,096 |
| Return on Equity (ROE) | 9.6500% | 2,919 |
| Retained earnings to average equity (ytd only) | 9.6503% | 1,256 |
| Net charge-offs to loans | -0.0094% | 3,805 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.0268% | 1,115 |
| Assets per employee ($millions) | 6.2739% | 2,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4169% | 1,445 |
| Loan loss allowance to noncurrent loans | 803.6424% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 2,642 |
| Noncurrent loans to loans | 0.1763% | 2,602 |
| Net loans and leases to total assets | 70.8300% | 1,543 |
| Net loans and leases to deposits | 77.9506% | 1,953 |
| Net loans and leases to core deposits | 78.2454% | 2,255 |
| Total domestic deposits to total assets | 90.8700% | 1,005 |
| Equity capital to assets | 8.3315% | 2,829 |
| Core capital (leverage) ratio | 10.7387% | 1,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $211,569,400 | 2,967 |
| Average earning assets | $204,187,200 | 2,901 |
| Average equity | $17,201,600 | 3,190 |
| Average total loans | $149,689,000 | 2,637 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9933% | 947 |
| Cost of funding earning assets | 0.1207% | 3,953 |
| Net interest margin | 3.8727% | 649 |
| Noninterest income to average assets | 0.0437% | 4,649 |
| Noninterest expense to average assets | 3.0415% | 805 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5832% | 3,672 |
| Return on assets (ROA) | 0.5832% | 3,621 |
| Pretax return on assets | 0.7380% | 3,483 |
| Return on Equity (ROE) | 7.1116% | 3,286 |
| Retained earnings to average equity (ytd only) | 7.1116% | 1,952 |
| Net charge-offs to loans | -0.0197% | 3,866 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4730% | 908 |
| Assets per employee ($millions) | 5.7718% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6692% | 1,014 |
| Loan loss allowance to noncurrent loans | 7,354.5455% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 3,859 |
| Noncurrent loans to loans | 0.0227% | 3,792 |
| Net loans and leases to total assets | 68.8077% | 1,413 |
| Net loans and leases to deposits | 74.8686% | 1,770 |
| Net loans and leases to core deposits | 75.2884% | 2,065 |
| Total domestic deposits to total assets | 91.9046% | 878 |
| Equity capital to assets | 7.2512% | 3,630 |
| Core capital (leverage) ratio | 9.1777% | 3,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $192,402,667 | 3,145 |
| Average earning assets | $185,608,667 | 3,097 |
| Average equity | $15,777,000 | 3,424 |
| Average total loans | $142,051,667 | 2,731 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9764% | 803 |
| Cost of funding earning assets | 0.1100% | 4,012 |
| Net interest margin | 3.8664% | 546 |
| Noninterest income to average assets | 0.0411% | 4,679 |
| Noninterest expense to average assets | 3.0751% | 717 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6085% | 3,369 |
| Return on assets (ROA) | 0.6085% | 3,347 |
| Pretax return on assets | 0.6973% | 3,405 |
| Return on Equity (ROE) | 6.9675% | 3,046 |
| Retained earnings to average equity (ytd only) | 6.9675% | 1,900 |
| Net charge-offs to loans | -0.0399% | 4,185 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5155% | 1,023 |
| Assets per employee ($millions) | 5.1506% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6787% | 1,089 |
| Loan loss allowance to noncurrent loans | 6,223.0769% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 3,834 |
| Noncurrent loans to loans | 0.0270% | 3,801 |
| Net loans and leases to total assets | 76.6607% | 463 |
| Net loans and leases to deposits | 86.1694% | 725 |
| Net loans and leases to core deposits | 86.7293% | 1,094 |
| Total domestic deposits to total assets | 88.9651% | 2,100 |
| Equity capital to assets | 8.3917% | 3,248 |
| Core capital (leverage) ratio | 9.4486% | 2,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $184,711,500 | 3,205 |
| Average earning assets | $178,251,500 | 3,155 |
| Average equity | $16,132,000 | 3,460 |
| Average total loans | $140,378,000 | 2,748 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1740% | 1,040 |
| Cost of funding earning assets | 0.1705% | 3,771 |
| Net interest margin | 4.0035% | 707 |
| Noninterest income to average assets | 0.1701% | 4,307 |
| Noninterest expense to average assets | 3.1696% | 757 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0343% | 2,541 |
| Return on assets (ROA) | 1.0343% | 2,610 |
| Pretax return on assets | 0.8934% | 3,525 |
| Return on Equity (ROE) | 12.0551% | 1,799 |
| Retained earnings to average equity (ytd only) | 10.9690% | 707 |
| Net charge-offs to loans | -0.4972% | 4,782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0104% | 945 |
| Assets per employee ($millions) | 5.1112% | 3,638 |
| Cash dividends to net income (ytd only)* | 9.0100% | 3,390 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7719% | 915 |
| Loan loss allowance to noncurrent loans | 2,298.0952% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 3,585 |
| Noncurrent loans to loans | 0.0771% | 3,546 |
| Net loans and leases to total assets | 72.7008% | 787 |
| Net loans and leases to deposits | 80.4865% | 1,170 |
| Net loans and leases to core deposits | 81.0051% | 1,519 |
| Total domestic deposits to total assets | 90.3267% | 797 |
| Equity capital to assets | 9.0782% | 3,539 |
| Core capital (leverage) ratio | 8.9858% | 3,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $184,565,800 | 3,172 |
| Average earning assets | $179,467,000 | 3,098 |
| Average equity | $15,835,600 | 3,556 |
| Average total loans | $129,111,600 | 2,865 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0608% | 1,399 |
| Cost of funding earning assets | 0.1894% | 3,721 |
| Net interest margin | 3.8714% | 989 |
| Noninterest income to average assets | 0.2144% | 4,115 |
| Noninterest expense to average assets | 3.0845% | 841 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1766% | 2,242 |
| Return on assets (ROA) | 1.1766% | 2,302 |
| Pretax return on assets | 0.8929% | 3,709 |
| Return on Equity (ROE) | 13.9148% | 1,417 |
| Retained earnings to average equity (ytd only) | 12.4465% | 736 |
| Net charge-offs to loans | -0.5874% | 4,852 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5499% | 912 |
| Assets per employee ($millions) | 5.1958% | 3,509 |
| Cash dividends to net income (ytd only)* | 10.5521% | 2,952 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7179% | 1,078 |
| Loan loss allowance to noncurrent loans | 252.3810% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.4680% | 1,621 |
| Noncurrent loans to loans | 0.6807% | 1,616 |
| Net loans and leases to total assets | 67.5709% | 1,368 |
| Net loans and leases to deposits | 76.3244% | 1,640 |
| Net loans and leases to core deposits | 76.8175% | 1,974 |
| Total domestic deposits to total assets | 88.5312% | 1,553 |
| Equity capital to assets | 8.2628% | 4,377 |
| Core capital (leverage) ratio | 9.1976% | 3,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $184,706,750 | 3,207 |
| Average earning assets | $179,535,000 | 3,137 |
| Average equity | $15,618,500 | 3,616 |
| Average total loans | $127,343,500 | 2,919 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9494% | 1,677 |
| Cost of funding earning assets | 0.2140% | 3,614 |
| Net interest margin | 3.7355% | 1,253 |
| Noninterest income to average assets | 0.2959% | 3,655 |
| Noninterest expense to average assets | 3.1408% | 795 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7924% | 3,534 |
| Return on assets (ROA) | 0.7924% | 3,603 |
| Pretax return on assets | 0.7924% | 3,879 |
| Return on Equity (ROE) | 9.2938% | 3,013 |
| Retained earnings to average equity (ytd only) | 7.0581% | 2,409 |
| Net charge-offs to loans | -0.8672% | 4,894 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8535% | 797 |
| Assets per employee ($millions) | 5.0722% | 3,594 |
| Cash dividends to net income (ytd only)* | 24.0559% | 2,345 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7420% | 983 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 67.6000% | 1,502 |
| Net loans and leases to deposits | 81.5230% | 1,269 |
| Net loans and leases to core deposits | 83.5916% | 1,599 |
| Total domestic deposits to total assets | 82.9214% | 3,724 |
| Equity capital to assets | 8.0853% | 4,485 |
| Core capital (leverage) ratio | 9.1547% | 3,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $180,462,333 | 3,247 |
| Average earning assets | $175,721,000 | 3,168 |
| Average equity | $15,386,667 | 3,645 |
| Average total loans | $124,543,333 | 2,964 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3344% | 989 |
| Cost of funding earning assets | 0.2519% | 3,457 |
| Net interest margin | 4.0825% | 741 |
| Noninterest income to average assets | 0.0436% | 4,864 |
| Noninterest expense to average assets | 3.1551% | 770 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8674% | 3,216 |
| Return on assets (ROA) | 0.8674% | 3,301 |
| Pretax return on assets | 0.8674% | 3,678 |
| Return on Equity (ROE) | 9.8901% | 2,733 |
| Retained earnings to average equity (ytd only) | 9.8901% | 1,683 |
| Net charge-offs to loans | -1.4206% | 4,923 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4370% | 925 |
| Assets per employee ($millions) | 4.8863% | 3,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7846% | 899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 65.1775% | 1,902 |
| Net loans and leases to deposits | 82.0732% | 1,329 |
| Net loans and leases to core deposits | 85.7721% | 1,541 |
| Total domestic deposits to total assets | 79.4139% | 4,280 |
| Equity capital to assets | 8.2158% | 4,351 |
| Core capital (leverage) ratio | 9.6366% | 2,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $174,321,500 | 3,294 |
| Average earning assets | $169,897,500 | 3,214 |
| Average equity | $15,288,000 | 3,659 |
| Average total loans | $120,512,500 | 3,011 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4078% | 1,569 |
| Cost of funding earning assets | 0.5483% | 2,621 |
| Net interest margin | 3.8595% | 1,333 |
| Noninterest income to average assets | 0.0357% | 4,886 |
| Noninterest expense to average assets | 3.4201% | 771 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3457% | 4,360 |
| Return on assets (ROA) | 0.3457% | 4,427 |
| Pretax return on assets | 0.3457% | 4,496 |
| Return on Equity (ROE) | 3.7458% | 4,211 |
| Retained earnings to average equity (ytd only) | 2.6041% | 3,549 |
| Net charge-offs to loans | 0.0889% | 1,568 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 5.2430% | 2,880 |
| Efficiency ratio | 90.8198% | 347 |
| Assets per employee ($millions) | 4.2885% | 4,131 |
| Cash dividends to net income (ytd only)* | 30.4813% | 2,818 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5033% | 1,575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 71.2022% | 1,401 |
| Net loans and leases to deposits | 86.1413% | 1,244 |
| Net loans and leases to core deposits | 91.1515% | 1,448 |
| Total domestic deposits to total assets | 82.6575% | 3,503 |
| Equity capital to assets | 9.4015% | 3,700 |
| Core capital (leverage) ratio | 9.3631% | 3,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $162,274,200 | 3,268 |
| Average earning assets | $156,835,200 | 3,198 |
| Average equity | $14,976,600 | 3,655 |
| Average total loans | $120,399,600 | 2,976 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2858% | 2,143 |
| Cost of funding earning assets | 0.6138% | 2,522 |
| Net interest margin | 3.6720% | 2,029 |
| Noninterest income to average assets | 0.0304% | 4,931 |
| Noninterest expense to average assets | 3.3098% | 895 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2632% | 4,500 |
| Return on assets (ROA) | 0.2632% | 4,545 |
| Pretax return on assets | 0.2632% | 4,594 |
| Return on Equity (ROE) | 2.8653% | 4,412 |
| Retained earnings to average equity (ytd only) | 1.3342% | 4,139 |
| Net charge-offs to loans | 0.0022% | 3,108 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 160.0000% | 575 |
| Efficiency ratio | 92.6335% | 292 |
| Assets per employee ($millions) | 4.5908% | 3,731 |
| Cash dividends to net income (ytd only)* | 53.4375% | 1,341 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4293% | 1,609 |
| Loan loss allowance to noncurrent loans | 2,316.0494% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 4,223 |
| Noncurrent loans to loans | 0.0617% | 4,124 |
| Net loans and leases to total assets | 72.2617% | 1,626 |
| Net loans and leases to deposits | 90.7247% | 1,196 |
| Net loans and leases to core deposits | 96.5940% | 1,408 |
| Total domestic deposits to total assets | 79.6494% | 3,939 |
| Equity capital to assets | 8.4042% | 4,516 |
| Core capital (leverage) ratio | 9.3792% | 3,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $162,101,750 | 3,254 |
| Average earning assets | $156,387,250 | 3,185 |
| Average equity | $14,890,500 | 3,668 |
| Average total loans | $121,048,250 | 2,983 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4266% | 2,136 |
| Cost of funding earning assets | 0.7258% | 2,264 |
| Net interest margin | 3.7008% | 2,160 |
| Noninterest income to average assets | 0.0562% | 4,897 |
| Noninterest expense to average assets | 3.4208% | 829 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1879% | 4,587 |
| Return on assets (ROA) | 0.1879% | 4,628 |
| Pretax return on assets | 0.1879% | 4,644 |
| Return on Equity (ROE) | 1.9814% | 4,537 |
| Retained earnings to average equity (ytd only) | -0.3235% | 4,365 |
| Net charge-offs to loans | 0.0034% | 2,865 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 73.5000% | 852 |
| Efficiency ratio | 94.7928% | 275 |
| Assets per employee ($millions) | 4.6658% | 3,573 |
| Cash dividends to net income (ytd only)* | 116.3265% | 342 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4155% | 1,534 |
| Loan loss allowance to noncurrent loans | 2,316.0494% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.3649% | 2,838 |
| Noncurrent loans to loans | 0.0611% | 4,234 |
| Net loans and leases to total assets | 73.6911% | 1,455 |
| Net loans and leases to deposits | 92.6303% | 1,083 |
| Net loans and leases to core deposits | 105.3245% | 922 |
| Total domestic deposits to total assets | 79.5540% | 3,927 |
| Equity capital to assets | 8.3925% | 4,536 |
| Core capital (leverage) ratio | 9.5684% | 3,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $156,455,333 | 3,289 |
| Average earning assets | $150,184,000 | 3,216 |
| Average equity | $14,838,333 | 3,673 |
| Average total loans | $117,646,333 | 3,006 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7574% | 1,537 |
| Cost of funding earning assets | 0.8551% | 2,089 |
| Net interest margin | 3.9024% | 1,666 |
| Noninterest income to average assets | 0.0657% | 4,935 |
| Noninterest expense to average assets | 3.6485% | 753 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1424% | 4,606 |
| Return on assets (ROA) | 0.1424% | 4,612 |
| Pretax return on assets | 0.1424% | 4,631 |
| Return on Equity (ROE) | 1.4037% | 4,568 |
| Retained earnings to average equity (ytd only) | -3.2124% | 4,376 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2428% | 321 |
| Assets per employee ($millions) | 3.7120% | 4,262 |
| Cash dividends to net income (ytd only)* | 328.8462% | 117 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6925% | 889 |
| Loan loss allowance to noncurrent loans | 1,390.3704% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.4842% | 2,549 |
| Noncurrent loans to loans | 0.1217% | 4,033 |
| Net loans and leases to total assets | 75.3076% | 1,417 |
| Net loans and leases to deposits | 88.2776% | 1,726 |
| Net loans and leases to core deposits | 102.5906% | 1,274 |
| Total domestic deposits to total assets | 85.3076% | 2,287 |
| Equity capital to assets | 10.2197% | 3,583 |
| Core capital (leverage) ratio | 10.2139% | 3,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $146,032,500 | 3,378 |
| Average earning assets | $139,403,000 | 3,315 |
| Average equity | $14,817,500 | 3,681 |
| Average total loans | $110,204,000 | 3,076 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4382% | 622 |
| Cost of funding earning assets | 0.9905% | 1,765 |
| Net interest margin | 4.4476% | 804 |
| Noninterest income to average assets | -0.1033% | 5,156 |
| Noninterest expense to average assets | 3.5589% | 893 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5897% | 4,193 |
| Return on assets (ROA) | 0.5897% | 4,249 |
| Pretax return on assets | 0.5897% | 4,428 |
| Return on Equity (ROE) | 5.6908% | 4,009 |
| Retained earnings to average equity (ytd only) | 5.6908% | 2,034 |
| Net charge-offs to loans | -0.0120% | 4,516 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7859% | 551 |
| Assets per employee ($millions) | 3.8762% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7140% | 771 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 2,872 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 73.0719% | 1,912 |
| Net loans and leases to deposits | 85.5003% | 2,153 |
| Net loans and leases to core deposits | 99.8525% | 1,575 |
| Total domestic deposits to total assets | 85.4640% | 2,310 |
| Equity capital to assets | 10.0750% | 3,855 |
| Core capital (leverage) ratio | 10.2497% | 3,248 |
| Tier 1 risk-based capital ratio | 13.0112% | 3,786 |
| Total risk-based capital ratio | 14.2674% | 3,657 |
| Memoranda: |
| Average total assets | $139,397,200 | 3,445 |
| Average earning assets | $133,262,200 | 3,381 |
| Average equity | $14,444,400 | 3,692 |
| Average total loans | $108,289,800 | 3,112 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3864% | 724 |
| Cost of funding earning assets | 0.9867% | 1,819 |
| Net interest margin | 4.3997% | 945 |
| Noninterest income to average assets | 0.0737% | 5,063 |
| Noninterest expense to average assets | 3.7043% | 747 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5831% | 4,333 |
| Return on assets (ROA) | 0.5831% | 4,382 |
| Pretax return on assets | 0.5831% | 4,571 |
| Return on Equity (ROE) | 5.5858% | 4,173 |
| Retained earnings to average equity (ytd only) | 5.5858% | 2,581 |
| Net charge-offs to loans | 0.0185% | 2,759 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 40.0655% | 1,377 |
| Efficiency ratio | 86.3996% | 479 |
| Assets per employee ($millions) | 3.9404% | 3,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6554% | 889 |
| Loan loss allowance to noncurrent loans | 1,200.6494% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.5773% | 2,275 |
| Noncurrent loans to loans | 0.1379% | 4,042 |
| Net loans and leases to total assets | 77.4342% | 1,234 |
| Net loans and leases to deposits | 91.2425% | 1,538 |
| Net loans and leases to core deposits | 106.6498% | 1,136 |
| Total domestic deposits to total assets | 84.8663% | 2,470 |
| Equity capital to assets | 10.3055% | 3,723 |
| Core capital (leverage) ratio | 10.1490% | 3,478 |
| Tier 1 risk-based capital ratio | 12.5582% | 4,109 |
| Total risk-based capital ratio | 13.8130% | 3,980 |
| Memoranda: |
| Average total assets | $137,422,500 | 3,503 |
| Average earning assets | $131,611,250 | 3,433 |
| Average equity | $14,345,500 | 3,736 |
| Average total loans | $107,985,000 | 3,153 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3317% | 758 |
| Cost of funding earning assets | 0.9659% | 1,839 |
| Net interest margin | 4.3658% | 1,006 |
| Noninterest income to average assets | 0.0736% | 5,112 |
| Noninterest expense to average assets | 3.5941% | 852 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6620% | 4,123 |
| Return on assets (ROA) | 0.6620% | 4,178 |
| Pretax return on assets | 0.6620% | 4,418 |
| Return on Equity (ROE) | 6.3139% | 3,939 |
| Retained earnings to average equity (ytd only) | 6.3139% | 2,134 |
| Net charge-offs to loans | 0.0281% | 2,294 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,457 |
| Efficiency ratio | 84.4452% | 623 |
| Assets per employee ($millions) | 4.3249% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6644% | 885 |
| Loan loss allowance to noncurrent loans | 1,553.7815% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.6713% | 2,044 |
| Noncurrent loans to loans | 0.1071% | 4,193 |
| Net loans and leases to total assets | 78.9339% | 1,051 |
| Net loans and leases to deposits | 94.1069% | 1,249 |
| Net loans and leases to core deposits | 108.6768% | 1,051 |
| Total domestic deposits to total assets | 83.8769% | 2,917 |
| Equity capital to assets | 10.4691% | 3,541 |
| Core capital (leverage) ratio | 10.5157% | 3,070 |
| Tier 1 risk-based capital ratio | 12.8459% | 3,916 |
| Total risk-based capital ratio | 14.1011% | 3,821 |
| Memoranda: |
| Average total assets | $135,944,670 | 3,543 |
| Average earning assets | $130,240,000 | 3,475 |
| Average equity | $14,254,330 | 3,758 |
| Average total loans | $106,748,670 | 3,187 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3020% | 756 |
| Cost of funding earning assets | 0.9209% | 1,916 |
| Net interest margin | 4.3811% | 940 |
| Noninterest income to average assets | 0.0683% | 5,168 |
| Noninterest expense to average assets | 3.6580% | 793 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6057% | 4,224 |
| Return on assets (ROA) | 0.6057% | 4,264 |
| Pretax return on assets | 0.6057% | 4,504 |
| Return on Equity (ROE) | 5.7721% | 4,089 |
| Retained earnings to average equity (ytd only) | 5.7721% | 2,558 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7939% | 595 |
| Assets per employee ($millions) | 3.8326% | 4,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8360% | 660 |
| Loan loss allowance to noncurrent loans | 1,882.8283% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.6976% | 2,011 |
| Noncurrent loans to loans | 0.0975% | 4,306 |
| Net loans and leases to total assets | 76.4821% | 1,397 |
| Net loans and leases to deposits | 88.4462% | 1,814 |
| Net loans and leases to core deposits | 102.0719% | 1,458 |
| Total domestic deposits to total assets | 86.4729% | 2,088 |
| Equity capital to assets | 10.9294% | 2,918 |
| Core capital (leverage) ratio | 10.5583% | 2,985 |
| Tier 1 risk-based capital ratio | 13.6184% | 3,541 |
| Total risk-based capital ratio | 14.8755% | 3,451 |
| Memoranda: |
| Average total assets | $134,718,000 | 3,599 |
| Average earning assets | $129,008,500 | 3,533 |
| Average equity | $14,137,000 | 3,779 |
| Average total loans | $104,577,000 | 3,245 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1173% | 817 |
| Cost of funding earning assets | 0.7373% | 1,862 |
| Net interest margin | 4.3799% | 984 |
| Noninterest income to average assets | 0.0007% | 5,348 |
| Noninterest expense to average assets | 3.5632% | 913 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6241% | 4,348 |
| Return on assets (ROA) | 0.6241% | 4,360 |
| Pretax return on assets | 0.6241% | 4,590 |
| Return on Equity (ROE) | 6.1929% | 4,114 |
| Retained earnings to average equity (ytd only) | 6.1929% | 2,097 |
| Net charge-offs to loans | 0.0760% | 2,037 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 10.4074% | 2,722 |
| Efficiency ratio | 85.0955% | 575 |
| Assets per employee ($millions) | 4.2160% | 3,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7319% | 784 |
| Loan loss allowance to noncurrent loans | 470.7071% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.8668% | 1,610 |
| Noncurrent loans to loans | 0.3679% | 3,220 |
| Net loans and leases to total assets | 76.0190% | 1,608 |
| Net loans and leases to deposits | 91.5380% | 1,600 |
| Net loans and leases to core deposits | 107.0010% | 1,196 |
| Total domestic deposits to total assets | 83.0464% | 3,313 |
| Equity capital to assets | 10.0857% | 3,588 |
| Core capital (leverage) ratio | 10.0238% | 3,549 |
| Tier 1 risk-based capital ratio | 12.7314% | 3,998 |
| Total risk-based capital ratio | 13.9873% | 3,878 |
| Memoranda: |
| Average total assets | $135,073,600 | 3,576 |
| Average earning assets | $129,112,000 | 3,504 |
| Average equity | $13,612,400 | 3,797 |
| Average total loans | $106,543,400 | 3,194 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0018% | 938 |
| Cost of funding earning assets | 0.7156% | 1,770 |
| Net interest margin | 4.2862% | 1,149 |
| Noninterest income to average assets | 0.0109% | 5,406 |
| Noninterest expense to average assets | 3.4988% | 982 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6047% | 4,486 |
| Return on assets (ROA) | 0.6047% | 4,497 |
| Pretax return on assets | 0.6047% | 4,721 |
| Return on Equity (ROE) | 6.0015% | 4,266 |
| Retained earnings to average equity (ytd only) | 6.0015% | 2,657 |
| Net charge-offs to loans | 0.1029% | 1,459 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 7.4147% | 2,813 |
| Efficiency ratio | 85.2642% | 560 |
| Assets per employee ($millions) | 4.1538% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8001% | 727 |
| Loan loss allowance to noncurrent loans | 470.7071% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 1.0834% | 1,331 |
| Noncurrent loans to loans | 0.3824% | 3,283 |
| Net loans and leases to total assets | 74.1818% | 1,950 |
| Net loans and leases to deposits | 86.2291% | 2,343 |
| Net loans and leases to core deposits | 101.9194% | 1,620 |
| Total domestic deposits to total assets | 86.0287% | 2,178 |
| Equity capital to assets | 10.0522% | 3,585 |
| Core capital (leverage) ratio | 10.0139% | 3,621 |
| Tier 1 risk-based capital ratio | 12.6785% | 4,094 |
| Total risk-based capital ratio | 13.9349% | 3,990 |
| Memoranda: |
| Average total assets | $134,060,250 | 3,620 |
| Average earning assets | $128,004,250 | 3,560 |
| Average equity | $13,507,500 | 3,843 |
| Average total loans | $106,272,500 | 3,226 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9184% | 975 |
| Cost of funding earning assets | 0.6626% | 1,853 |
| Net interest margin | 4.2558% | 1,142 |
| Noninterest income to average assets | 0.0992% | 5,273 |
| Noninterest expense to average assets | 3.4737% | 1,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6899% | 4,222 |
| Return on assets (ROA) | 0.6899% | 4,226 |
| Pretax return on assets | 0.6899% | 4,539 |
| Return on Equity (ROE) | 6.8421% | 3,946 |
| Retained earnings to average equity (ytd only) | 6.8421% | 2,147 |
| Net charge-offs to loans | 0.1549% | 999 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 5.5301% | 2,700 |
| Efficiency ratio | 83.4296% | 729 |
| Assets per employee ($millions) | 4.1292% | 3,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7153% | 882 |
| Loan loss allowance to noncurrent loans | 470.7071% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 1.1522% | 1,265 |
| Noncurrent loans to loans | 0.3644% | 3,390 |
| Net loans and leases to total assets | 78.3811% | 1,255 |
| Net loans and leases to deposits | 94.3358% | 1,317 |
| Net loans and leases to core deposits | 111.2284% | 922 |
| Total domestic deposits to total assets | 83.0874% | 3,388 |
| Equity capital to assets | 10.0062% | 3,613 |
| Core capital (leverage) ratio | 10.3268% | 3,214 |
| Tier 1 risk-based capital ratio | 12.2392% | 4,347 |
| Total risk-based capital ratio | 13.4950% | 4,224 |
| Memoranda: |
| Average total assets | $133,055,670 | 3,663 |
| Average earning assets | $127,074,000 | 3,602 |
| Average equity | $13,417,000 | 3,879 |
| Average total loans | $107,180,670 | 3,219 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9231% | 827 |
| Cost of funding earning assets | 0.6460% | 1,740 |
| Net interest margin | 4.2771% | 987 |
| Noninterest income to average assets | 0.1187% | 5,258 |
| Noninterest expense to average assets | 3.4142% | 1,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7942% | 3,728 |
| Return on assets (ROA) | 0.7942% | 3,733 |
| Pretax return on assets | 0.7942% | 4,163 |
| Return on Equity (ROE) | 7.8449% | 3,447 |
| Retained earnings to average equity (ytd only) | 7.8449% | 1,901 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1280% | 1,034 |
| Assets per employee ($millions) | 4.1417% | 3,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8298% | 736 |
| Loan loss allowance to noncurrent loans | 406.4718% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 1.2525% | 1,191 |
| Noncurrent loans to loans | 0.4502% | 3,188 |
| Net loans and leases to total assets | 78.8154% | 1,114 |
| Net loans and leases to deposits | 91.7997% | 1,473 |
| Net loans and leases to core deposits | 108.4354% | 1,092 |
| Total domestic deposits to total assets | 85.8558% | 2,609 |
| Equity capital to assets | 10.1392% | 3,463 |
| Core capital (leverage) ratio | 10.1525% | 3,354 |
| Tier 1 risk-based capital ratio | 12.1412% | 4,464 |
| Total risk-based capital ratio | 13.3980% | 4,359 |
| Memoranda: |
| Average total assets | $131,451,000 | 3,725 |
| Average earning assets | $125,693,000 | 3,650 |
| Average equity | $13,308,000 | 3,929 |
| Average total loans | $106,436,000 | 3,254 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7465% | 1,083 |
| Cost of funding earning assets | 0.4913% | 2,415 |
| Net interest margin | 4.2552% | 1,071 |
| Noninterest income to average assets | 0.0986% | 5,418 |
| Noninterest expense to average assets | 3.5643% | 937 |
| Loan and lease loss provision to assets | 0.0368% | 3,533 |
| Net operating income to assets | 0.5651% | 4,168 |
| Return on assets (ROA) | 0.5651% | 4,196 |
| Pretax return on assets | 0.5651% | 4,813 |
| Return on Equity (ROE) | 5.6665% | 3,886 |
| Retained earnings to average equity (ytd only) | 5.6665% | 1,728 |
| Net charge-offs to loans | -0.0107% | 4,800 |
| Credit loss provision to net charge-offs | -427.2727% | 4,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5533% | 669 |
| Assets per employee ($millions) | 4.0740% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8278% | 740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9059% | 1,714 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 80.1744% | 935 |
| Net loans and leases to deposits | 98.8416% | 834 |
| Net loans and leases to core deposits | 114.1184% | 792 |
| Total domestic deposits to total assets | 81.1141% | 4,095 |
| Equity capital to assets | 10.1084% | 3,589 |
| Core capital (leverage) ratio | 10.0610% | 3,377 |
| Tier 1 risk-based capital ratio | 11.8452% | 4,628 |
| Total risk-based capital ratio | 13.1018% | 4,516 |
| Memoranda: |
| Average total assets | $127,768,800 | 3,780 |
| Average earning assets | $122,132,000 | 3,709 |
| Average equity | $12,741,600 | 4,024 |
| Average total loans | $102,940,800 | 3,298 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6384% | 1,278 |
| Cost of funding earning assets | 0.4687% | 2,533 |
| Net interest margin | 4.1697% | 1,231 |
| Noninterest income to average assets | 0.0965% | 5,486 |
| Noninterest expense to average assets | 3.5430% | 930 |
| Loan and lease loss provision to assets | 0.0493% | 3,108 |
| Net operating income to assets | 0.4888% | 4,763 |
| Return on assets (ROA) | 0.4888% | 4,801 |
| Pretax return on assets | 0.4888% | 5,050 |
| Return on Equity (ROE) | 4.9184% | 4,555 |
| Retained earnings to average equity (ytd only) | 4.9184% | 2,943 |
| Net charge-offs to loans | -0.0013% | 4,289 |
| Credit loss provision to net charge-offs | -4,700.0000% | 5,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8157% | 581 |
| Assets per employee ($millions) | 4.2763% | 3,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8306% | 803 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8909% | 1,928 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 78.3587% | 1,219 |
| Net loans and leases to deposits | 90.1123% | 1,794 |
| Net loans and leases to core deposits | 104.1520% | 1,381 |
| Total domestic deposits to total assets | 86.9567% | 1,886 |
| Equity capital to assets | 9.7468% | 4,199 |
| Core capital (leverage) ratio | 9.8973% | 3,700 |
| Tier 1 risk-based capital ratio | 11.5386% | 4,938 |
| Total risk-based capital ratio | 12.7950% | 4,818 |
| Memoranda: |
| Average total assets | $127,119,250 | 3,827 |
| Average earning assets | $121,476,250 | 3,760 |
| Average equity | $12,632,500 | 4,080 |
| Average total loans | $102,059,250 | 3,347 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4904% | 1,539 |
| Cost of funding earning assets | 0.4348% | 2,756 |
| Net interest margin | 4.0555% | 1,447 |
| Noninterest income to average assets | 0.0958% | 5,537 |
| Noninterest expense to average assets | 3.6136% | 853 |
| Loan and lease loss provision to assets | 0.0750% | 2,468 |
| Net operating income to assets | 0.2777% | 5,276 |
| Return on assets (ROA) | 0.2777% | 5,292 |
| Pretax return on assets | 0.2777% | 5,363 |
| Return on Equity (ROE) | 2.7759% | 5,174 |
| Retained earnings to average equity (ytd only) | 2.7759% | 4,046 |
| Net charge-offs to loans | -0.0020% | 4,183 |
| Credit loss provision to net charge-offs | -4,700.0000% | 5,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1066% | 396 |
| Assets per employee ($millions) | 3.9495% | 4,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8323% | 828 |
| Loan loss allowance to noncurrent loans | 1,698.2456% | 382 |
| Noncurrent assets plus other real estate owned to assets | 1.1243% | 1,544 |
| Noncurrent loans to loans | 0.1079% | 4,691 |
| Net loans and leases to total assets | 82.0675% | 656 |
| Net loans and leases to deposits | 95.2548% | 1,147 |
| Net loans and leases to core deposits | 109.6903% | 1,019 |
| Total domestic deposits to total assets | 86.1558% | 2,310 |
| Equity capital to assets | 9.9933% | 3,916 |
| Core capital (leverage) ratio | 10.1857% | 3,296 |
| Tier 1 risk-based capital ratio | 11.5386% | 4,935 |
| Total risk-based capital ratio | 12.7957% | 4,821 |
| Memoranda: |
| Average total assets | $125,303,670 | 3,875 |
| Average earning assets | $119,589,330 | 3,814 |
| Average equity | $12,536,330 | 4,104 |
| Average total loans | $100,807,670 | 3,385 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4005% | 1,646 |
| Cost of funding earning assets | 0.4132% | 2,873 |
| Net interest margin | 3.9873% | 1,499 |
| Noninterest income to average assets | 0.1026% | 5,581 |
| Noninterest expense to average assets | 3.6100% | 890 |
| Loan and lease loss provision to assets | 0.0769% | 2,275 |
| Net operating income to assets | 0.2212% | 5,364 |
| Return on assets (ROA) | 0.2212% | 5,375 |
| Pretax return on assets | 0.2212% | 5,414 |
| Return on Equity (ROE) | 2.2099% | 5,303 |
| Retained earnings to average equity (ytd only) | 2.2099% | 4,262 |
| Net charge-offs to loans | -0.0041% | 4,127 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3708% | 435 |
| Assets per employee ($millions) | 3.9046% | 4,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9145% | 768 |
| Loan loss allowance to noncurrent loans | 1,678.0702% | 396 |
| Noncurrent assets plus other real estate owned to assets | 1.1373% | 1,555 |
| Noncurrent loans to loans | 0.1141% | 4,738 |
| Net loans and leases to total assets | 78.4406% | 1,068 |
| Net loans and leases to deposits | 90.7618% | 1,454 |
| Net loans and leases to core deposits | 105.9419% | 1,103 |
| Total domestic deposits to total assets | 86.4248% | 2,481 |
| Equity capital to assets | 10.0234% | 3,724 |
| Core capital (leverage) ratio | 10.1240% | 3,347 |
| Tier 1 risk-based capital ratio | 11.7972% | 4,853 |
| Total risk-based capital ratio | 13.0547% | 4,753 |
| Memoranda: |
| Average total assets | $124,763,000 | 3,922 |
| Average earning assets | $119,077,000 | 3,849 |
| Average equity | $12,489,500 | 4,138 |
| Average total loans | $98,383,000 | 3,450 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4062% | 1,801 |
| Cost of funding earning assets | 0.4528% | 2,515 |
| Net interest margin | 3.9535% | 1,778 |
| Noninterest income to average assets | 0.0717% | 5,719 |
| Noninterest expense to average assets | 3.7086% | 871 |
| Loan and lease loss provision to assets | 0.0208% | 3,955 |
| Net operating income to assets | 0.1333% | 5,522 |
| Return on assets (ROA) | 0.1333% | 5,552 |
| Pretax return on assets | 0.1333% | 5,559 |
| Return on Equity (ROE) | 1.2942% | 5,519 |
| Retained earnings to average equity (ytd only) | 1.2942% | 4,766 |
| Net charge-offs to loans | -0.0583% | 5,436 |
| Credit loss provision to net charge-offs | -45.4545% | 4,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0086% | 313 |
| Assets per employee ($millions) | 3.8931% | 4,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9506% | 726 |
| Loan loss allowance to noncurrent loans | 1,657.0175% | 387 |
| Noncurrent assets plus other real estate owned to assets | 1.1407% | 1,620 |
| Noncurrent loans to loans | 0.1177% | 4,765 |
| Net loans and leases to total assets | 76.2205% | 1,479 |
| Net loans and leases to deposits | 86.5816% | 2,096 |
| Net loans and leases to core deposits | 100.0421% | 1,617 |
| Total domestic deposits to total assets | 88.0332% | 1,612 |
| Equity capital to assets | 9.9978% | 3,731 |
| Core capital (leverage) ratio | 10.0733% | 3,402 |
| Tier 1 risk-based capital ratio | 12.1573% | 4,610 |
| Total risk-based capital ratio | 13.4155% | 4,482 |
| Memoranda: |
| Average total assets | $119,991,600 | 3,997 |
| Average earning assets | $115,064,000 | 3,909 |
| Average equity | $12,362,400 | 4,197 |
| Average total loans | $94,325,200 | 3,493 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3170% | 2,114 |
| Cost of funding earning assets | 0.4711% | 2,355 |
| Net interest margin | 3.8459% | 2,174 |
| Noninterest income to average assets | 0.2771% | 4,785 |
| Noninterest expense to average assets | 3.7549% | 787 |
| Loan and lease loss provision to assets | 0.0112% | 4,019 |
| Net operating income to assets | 0.2019% | 5,460 |
| Return on assets (ROA) | 0.2019% | 5,524 |
| Pretax return on assets | 0.2019% | 5,565 |
| Return on Equity (ROE) | 1.9449% | 5,480 |
| Retained earnings to average equity (ytd only) | 1.9449% | 4,712 |
| Net charge-offs to loans | -0.0057% | 4,645 |
| Credit loss provision to net charge-offs | -250.0000% | 4,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6282% | 365 |
| Assets per employee ($millions) | 3.8537% | 4,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8876% | 871 |
| Loan loss allowance to noncurrent loans | 298.5270% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 1.6497% | 1,050 |
| Noncurrent loans to loans | 0.6323% | 3,119 |
| Net loans and leases to total assets | 74.5504% | 1,781 |
| Net loans and leases to deposits | 82.8676% | 2,623 |
| Net loans and leases to core deposits | 95.7192% | 2,024 |
| Total domestic deposits to total assets | 89.9633% | 494 |
| Equity capital to assets | 9.8103% | 4,353 |
| Core capital (leverage) ratio | 10.0010% | 3,567 |
| Tier 1 risk-based capital ratio | 12.7275% | 4,326 |
| Total risk-based capital ratio | 13.9854% | 4,229 |
| Memoranda: |
| Average total assets | $118,845,000 | 4,043 |
| Average earning assets | $114,057,000 | 3,950 |
| Average equity | $12,339,250 | 4,240 |
| Average total loans | $93,695,750 | 3,521 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3465% | 1,995 |
| Cost of funding earning assets | 0.4957% | 2,136 |
| Net interest margin | 3.8508% | 2,134 |
| Noninterest income to average assets | 0.1206% | 5,707 |
| Noninterest expense to average assets | 3.8253% | 748 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.0103% | 5,773 |
| Return on assets (ROA) | -0.0103% | 5,800 |
| Pretax return on assets | -0.0103% | 5,795 |
| Return on Equity (ROE) | -0.0976% | 5,799 |
| Retained earnings to average equity (ytd only) | -0.0976% | 5,304 |
| Net charge-offs to loans | -0.1100% | 5,656 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2710% | 238 |
| Assets per employee ($millions) | 3.8460% | 4,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9455% | 827 |
| Loan loss allowance to noncurrent loans | 138.2615% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 2.2294% | 680 |
| Noncurrent loans to loans | 1.4071% | 1,583 |
| Net loans and leases to total assets | 78.6731% | 1,115 |
| Net loans and leases to deposits | 87.9263% | 2,008 |
| Net loans and leases to core deposits | 99.9073% | 1,642 |
| Total domestic deposits to total assets | 89.4762% | 698 |
| Equity capital to assets | 10.3074% | 3,848 |
| Core capital (leverage) ratio | 9.9763% | 3,590 |
| Tier 1 risk-based capital ratio | 12.6024% | 4,446 |
| Total risk-based capital ratio | 13.8607% | 4,346 |
| Memoranda: |
| Average total assets | $116,069,000 | 4,121 |
| Average earning assets | $111,353,000 | 4,034 |
| Average equity | $12,293,670 | 4,268 |
| Average total loans | $92,717,000 | 3,553 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4339% | 1,701 |
| Cost of funding earning assets | 0.5137% | 1,995 |
| Net interest margin | 3.9202% | 1,883 |
| Noninterest income to average assets | 0.1188% | 5,745 |
| Noninterest expense to average assets | 3.8745% | 707 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0035% | 5,781 |
| Return on assets (ROA) | 0.0035% | 5,808 |
| Pretax return on assets | 0.0035% | 5,807 |
| Return on Equity (ROE) | 0.0325% | 5,809 |
| Retained earnings to average equity (ytd only) | 0.0325% | 5,097 |
| Net charge-offs to loans | -0.0088% | 4,468 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9099% | 292 |
| Assets per employee ($millions) | 3.6507% | 4,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9816% | 842 |
| Loan loss allowance to noncurrent loans | 216.8862% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 1.8971% | 946 |
| Noncurrent loans to loans | 0.9137% | 2,567 |
| Net loans and leases to total assets | 79.1528% | 928 |
| Net loans and leases to deposits | 89.1190% | 1,689 |
| Net loans and leases to core deposits | 104.6680% | 1,153 |
| Total domestic deposits to total assets | 88.8169% | 1,194 |
| Equity capital to assets | 10.8659% | 3,090 |
| Core capital (leverage) ratio | 10.4912% | 2,977 |
| Tier 1 risk-based capital ratio | 13.0775% | 4,213 |
| Total risk-based capital ratio | 14.3366% | 4,127 |
| Memoranda: |
| Average total assets | $114,491,000 | 4,172 |
| Average earning assets | $109,791,500 | 4,093 |
| Average equity | $12,296,000 | 4,285 |
| Average total loans | $91,246,000 | 3,592 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2251% | 2,474 |
| Cost of funding earning assets | 0.5629% | 1,651 |
| Net interest margin | 3.6622% | 2,896 |
| Noninterest income to average assets | 0.0308% | 6,045 |
| Noninterest expense to average assets | 3.4973% | 1,293 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0400% | 5,831 |
| Return on assets (ROA) | 0.0400% | 5,861 |
| Pretax return on assets | 0.0400% | 5,857 |
| Return on Equity (ROE) | 0.3905% | 5,853 |
| Retained earnings to average equity (ytd only) | 0.3905% | 5,358 |
| Net charge-offs to loans | -0.0212% | 5,286 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8695% | 311 |
| Assets per employee ($millions) | 3.9935% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9857% | 828 |
| Loan loss allowance to noncurrent loans | 207.4541% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 2.1086% | 815 |
| Noncurrent loans to loans | 0.9572% | 2,415 |
| Net loans and leases to total assets | 77.1032% | 1,238 |
| Net loans and leases to deposits | 86.5218% | 2,057 |
| Net loans and leases to core deposits | 106.0637% | 1,095 |
| Total domestic deposits to total assets | 89.1142% | 1,065 |
| Equity capital to assets | 10.6164% | 3,226 |
| Core capital (leverage) ratio | 9.8961% | 3,650 |
| Tier 1 risk-based capital ratio | 13.0100% | 4,309 |
| Total risk-based capital ratio | 14.2682% | 4,211 |
| Memoranda: |
| Average total assets | $120,036,600 | 4,066 |
| Average earning assets | $114,931,600 | 3,983 |
| Average equity | $12,290,600 | 4,246 |
| Average total loans | $94,187,600 | 3,497 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1613% | 2,713 |
| Cost of funding earning assets | 0.5680% | 1,647 |
| Net interest margin | 3.5933% | 3,192 |
| Noninterest income to average assets | 0.1431% | 5,765 |
| Noninterest expense to average assets | 3.4628% | 1,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1211% | 5,819 |
| Return on assets (ROA) | 0.1211% | 5,860 |
| Pretax return on assets | 0.1211% | 5,876 |
| Return on Equity (ROE) | 1.1934% | 5,829 |
| Retained earnings to average equity (ytd only) | 1.1934% | 5,244 |
| Net charge-offs to loans | -0.0253% | 5,280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6206% | 399 |
| Assets per employee ($millions) | 4.4286% | 3,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9331% | 1,007 |
| Loan loss allowance to noncurrent loans | 107.5595% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 2.4822% | 703 |
| Noncurrent loans to loans | 1.7972% | 1,321 |
| Net loans and leases to total assets | 73.9284% | 1,743 |
| Net loans and leases to deposits | 82.3256% | 2,606 |
| Net loans and leases to core deposits | 105.1996% | 1,158 |
| Total domestic deposits to total assets | 89.8001% | 652 |
| Equity capital to assets | 9.9652% | 4,193 |
| Core capital (leverage) ratio | 9.8849% | 3,788 |
| Tier 1 risk-based capital ratio | 12.5415% | 4,729 |
| Total risk-based capital ratio | 13.7990% | 4,624 |
| Memoranda: |
| Average total assets | $121,093,000 | 4,099 |
| Average earning assets | $115,954,000 | 4,008 |
| Average equity | $12,289,500 | 4,302 |
| Average total loans | $94,958,750 | 3,511 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2327% | 2,420 |
| Cost of funding earning assets | 0.5734% | 1,620 |
| Net interest margin | 3.6593% | 2,875 |
| Noninterest income to average assets | 0.1432% | 5,848 |
| Noninterest expense to average assets | 3.5830% | 1,160 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0666% | 5,913 |
| Return on assets (ROA) | 0.0666% | 5,956 |
| Pretax return on assets | 0.0666% | 5,964 |
| Return on Equity (ROE) | 0.6522% | 5,946 |
| Retained earnings to average equity (ytd only) | 0.6522% | 5,302 |
| Net charge-offs to loans | -0.0272% | 5,287 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1752% | 372 |
| Assets per employee ($millions) | 4.4066% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9083% | 1,146 |
| Loan loss allowance to noncurrent loans | 138.7221% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 2.1859% | 964 |
| Noncurrent loans to loans | 1.3756% | 1,967 |
| Net loans and leases to total assets | 75.0721% | 1,493 |
| Net loans and leases to deposits | 83.5629% | 2,375 |
| Net loans and leases to core deposits | 105.0788% | 1,123 |
| Total domestic deposits to total assets | 89.8390% | 733 |
| Equity capital to assets | 9.9583% | 4,085 |
| Core capital (leverage) ratio | 10.0172% | 3,568 |
| Tier 1 risk-based capital ratio | 12.3917% | 4,883 |
| Total risk-based capital ratio | 13.6483% | 4,787 |
| Memoranda: |
| Average total assets | $120,123,670 | 4,152 |
| Average earning assets | $115,103,330 | 4,048 |
| Average equity | $12,267,000 | 4,329 |
| Average total loans | $95,452,000 | 3,526 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3455% | 1,956 |
| Cost of funding earning assets | 0.5714% | 1,649 |
| Net interest margin | 3.7741% | 2,333 |
| Noninterest income to average assets | 0.0878% | 6,131 |
| Noninterest expense to average assets | 3.6356% | 1,086 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0641% | 5,938 |
| Return on assets (ROA) | 0.0641% | 5,986 |
| Pretax return on assets | 0.0641% | 5,985 |
| Return on Equity (ROE) | 0.6201% | 5,972 |
| Retained earnings to average equity (ytd only) | 0.6201% | 5,190 |
| Net charge-offs to loans | -0.0250% | 5,150 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2664% | 425 |
| Assets per employee ($millions) | 4.1276% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8825% | 1,317 |
| Loan loss allowance to noncurrent loans | 239.3333% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 1.9422% | 1,237 |
| Noncurrent loans to loans | 0.7866% | 3,289 |
| Net loans and leases to total assets | 75.5554% | 1,273 |
| Net loans and leases to deposits | 85.5959% | 1,887 |
| Net loans and leases to core deposits | 106.9564% | 878 |
| Total domestic deposits to total assets | 88.2699% | 1,677 |
| Equity capital to assets | 9.9058% | 4,262 |
| Core capital (leverage) ratio | 10.2635% | 3,262 |
| Tier 1 risk-based capital ratio | 12.1982% | 5,108 |
| Total risk-based capital ratio | 13.4552% | 5,018 |
| Memoranda: |
| Average total assets | $118,493,500 | 4,211 |
| Average earning assets | $113,405,000 | 4,111 |
| Average equity | $12,257,000 | 4,369 |
| Average total loans | $95,963,500 | 3,526 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2491% | 2,783 |
| Cost of funding earning assets | 0.5841% | 1,911 |
| Net interest margin | 3.6650% | 3,147 |
| Noninterest income to average assets | -0.1473% | 6,467 |
| Noninterest expense to average assets | 3.9150% | 840 |
| Loan and lease loss provision to assets | 0.8616% | 142 |
| Net operating income to assets | -1.4392% | 6,424 |
| Return on assets (ROA) | -1.4392% | 6,423 |
| Pretax return on assets | -1.4392% | 6,415 |
| Return on Equity (ROE) | -13.2701% | 6,397 |
| Retained earnings to average equity (ytd only) | -13.2701% | 6,364 |
| Net charge-offs to loans | 0.8140% | 429 |
| Credit loss provision to net charge-offs | 136.6856% | 1,732 |
| Earnings coverage of net charge-offs (x) | -0.9164% | 4,790 |
| Efficiency ratio | 117.3087% | 143 |
| Assets per employee ($millions) | 3.7720% | 4,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8525% | 1,417 |
| Loan loss allowance to noncurrent loans | 203.5267% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 2.2994% | 1,040 |
| Noncurrent loans to loans | 0.9102% | 3,042 |
| Net loans and leases to total assets | 83.7619% | 359 |
| Net loans and leases to deposits | 94.1785% | 1,064 |
| Net loans and leases to core deposits | 116.0131% | 526 |
| Total domestic deposits to total assets | 88.9396% | 1,269 |
| Equity capital to assets | 10.8236% | 3,095 |
| Core capital (leverage) ratio | 10.2001% | 3,308 |
| Tier 1 risk-based capital ratio | 12.3717% | 5,111 |
| Total risk-based capital ratio | 13.6212% | 5,037 |
| Memoranda: |
| Average total assets | $112,004,600 | 4,345 |
| Average earning assets | $106,493,800 | 4,255 |
| Average equity | $12,147,600 | 4,327 |
| Average total loans | $86,734,000 | 3,704 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0989% | 3,381 |
| Cost of funding earning assets | 0.5733% | 2,077 |
| Net interest margin | 3.5256% | 3,733 |
| Noninterest income to average assets | 0.1253% | 6,138 |
| Noninterest expense to average assets | 3.8860% | 864 |
| Loan and lease loss provision to assets | 0.5848% | 232 |
| Net operating income to assets | -0.9989% | 6,461 |
| Return on assets (ROA) | -0.9989% | 6,460 |
| Pretax return on assets | -0.9989% | 6,446 |
| Return on Equity (ROE) | -9.2058% | 6,431 |
| Retained earnings to average equity (ytd only) | -9.2058% | 6,361 |
| Net charge-offs to loans | 0.4019% | 985 |
| Credit loss provision to net charge-offs | 192.9134% | 1,303 |
| Earnings coverage of net charge-offs (x) | -1.3661% | 4,540 |
| Efficiency ratio | 111.9285% | 199 |
| Assets per employee ($millions) | 3.9462% | 3,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9648% | 1,321 |
| Loan loss allowance to noncurrent loans | 178.7449% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 2.5391% | 1,026 |
| Noncurrent loans to loans | 1.0992% | 2,868 |
| Net loans and leases to total assets | 74.4305% | 1,451 |
| Net loans and leases to deposits | 83.8226% | 2,179 |
| Net loans and leases to core deposits | 101.4063% | 1,256 |
| Total domestic deposits to total assets | 88.7952% | 1,356 |
| Equity capital to assets | 11.0004% | 2,957 |
| Core capital (leverage) ratio | 10.9953% | 2,489 |
| Tier 1 risk-based capital ratio | 14.1457% | 4,106 |
| Total risk-based capital ratio | 15.3960% | 4,044 |
| Memoranda: |
| Average total assets | $111,715,750 | 4,386 |
| Average earning assets | $106,041,750 | 4,304 |
| Average equity | $12,122,500 | 4,363 |
| Average total loans | $84,274,000 | 3,792 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0450% | 3,569 |
| Cost of funding earning assets | 0.5792% | 2,076 |
| Net interest margin | 3.4658% | 3,916 |
| Noninterest income to average assets | 0.1808% | 5,864 |
| Noninterest expense to average assets | 3.9327% | 825 |
| Loan and lease loss provision to assets | 0.0457% | 3,402 |
| Net operating income to assets | -0.5078% | 6,440 |
| Return on assets (ROA) | -0.5078% | 6,440 |
| Pretax return on assets | -0.5078% | 6,423 |
| Return on Equity (ROE) | -4.7030% | 6,425 |
| Retained earnings to average equity (ytd only) | -4.7030% | 6,215 |
| Net charge-offs to loans | -0.1335% | 6,229 |
| Credit loss provision to net charge-offs | -45.4545% | 5,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.3158% | 197 |
| Assets per employee ($millions) | 3.8400% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9205% | 1,528 |
| Loan loss allowance to noncurrent loans | 131.8591% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 2.8907% | 894 |
| Noncurrent loans to loans | 1.4565% | 2,371 |
| Net loans and leases to total assets | 71.3739% | 1,847 |
| Net loans and leases to deposits | 81.1268% | 2,370 |
| Net loans and leases to core deposits | 98.7877% | 1,388 |
| Total domestic deposits to total assets | 87.9782% | 1,908 |
| Equity capital to assets | 11.7892% | 2,169 |
| Core capital (leverage) ratio | 12.2471% | 1,527 |
| Tier 1 risk-based capital ratio | 15.8588% | 3,167 |
| Total risk-based capital ratio | 17.1083% | 3,104 |
| Memoranda: |
| Average total assets | $109,492,000 | 4,456 |
| Average earning assets | $103,930,000 | 4,366 |
| Average equity | $11,822,330 | 4,433 |
| Average total loans | $82,404,670 | 3,847 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1334% | 3,155 |
| Cost of funding earning assets | 0.5888% | 2,079 |
| Net interest margin | 3.5446% | 3,504 |
| Noninterest income to average assets | 0.2626% | 5,264 |
| Noninterest expense to average assets | 3.7885% | 1,005 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1613% | 6,331 |
| Return on assets (ROA) | -0.1613% | 6,335 |
| Pretax return on assets | -0.1613% | 6,322 |
| Return on Equity (ROE) | -1.5718% | 6,335 |
| Retained earnings to average equity (ytd only) | -1.5718% | 5,808 |
| Net charge-offs to loans | -0.0049% | 4,815 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4467% | 360 |
| Assets per employee ($millions) | 3.9217% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8515% | 1,896 |
| Loan loss allowance to noncurrent loans | 80.9625% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 3.5663% | 730 |
| Noncurrent loans to loans | 2.2869% | 1,562 |
| Net loans and leases to total assets | 73.9097% | 1,284 |
| Net loans and leases to deposits | 82.2786% | 2,020 |
| Net loans and leases to core deposits | 105.0072% | 797 |
| Total domestic deposits to total assets | 89.8285% | 1,167 |
| Equity capital to assets | 9.9438% | 3,911 |
| Core capital (leverage) ratio | 10.5711% | 2,847 |
| Tier 1 risk-based capital ratio | 12.8992% | 5,062 |
| Total risk-based capital ratio | 14.1493% | 5,003 |
| Memoranda: |
| Average total assets | $106,638,500 | 4,567 |
| Average earning assets | $101,223,000 | 4,477 |
| Average equity | $10,943,000 | 4,633 |
| Average total loans | $81,691,000 | 3,892 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5409% | 2,057 |
| Cost of funding earning assets | 0.6335% | 2,348 |
| Net interest margin | 3.9073% | 2,259 |
| Noninterest income to average assets | 0.1107% | 6,349 |
| Noninterest expense to average assets | 3.5446% | 1,558 |
| Loan and lease loss provision to assets | 0.1274% | 2,715 |
| Net operating income to assets | 0.0976% | 6,050 |
| Return on assets (ROA) | 0.0976% | 6,103 |
| Pretax return on assets | 0.0976% | 6,098 |
| Return on Equity (ROE) | 1.0130% | 6,078 |
| Retained earnings to average equity (ytd only) | 1.0130% | 5,386 |
| Net charge-offs to loans | 0.8793% | 698 |
| Credit loss provision to net charge-offs | 18.4949% | 4,475 |
| Earnings coverage of net charge-offs (x) | 0.3265% | 4,975 |
| Efficiency ratio | 94.0312% | 748 |
| Assets per employee ($millions) | 3.6954% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8961% | 1,792 |
| Loan loss allowance to noncurrent loans | 83.9276% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 3.7190% | 754 |
| Noncurrent loans to loans | 2.2592% | 1,716 |
| Net loans and leases to total assets | 76.5082% | 1,002 |
| Net loans and leases to deposits | 85.8657% | 1,703 |
| Net loans and leases to core deposits | 102.2078% | 1,011 |
| Total domestic deposits to total assets | 89.1022% | 1,554 |
| Equity capital to assets | 10.5992% | 3,048 |
| Core capital (leverage) ratio | 10.5046% | 2,915 |
| Tier 1 risk-based capital ratio | 13.2741% | 4,806 |
| Total risk-based capital ratio | 14.5240% | 4,743 |
| Memoranda: |
| Average total assets | $113,779,600 | 4,416 |
| Average earning assets | $106,543,200 | 4,350 |
| Average equity | $10,957,400 | 4,644 |
| Average total loans | $89,166,600 | 3,706 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6331% | 1,790 |
| Cost of funding earning assets | 0.6373% | 2,478 |
| Net interest margin | 3.9958% | 1,960 |
| Noninterest income to average assets | 0.1134% | 6,439 |
| Noninterest expense to average assets | 3.4456% | 1,723 |
| Loan and lease loss provision to assets | 0.1662% | 2,181 |
| Net operating income to assets | 0.2303% | 5,836 |
| Return on assets (ROA) | 0.2303% | 5,920 |
| Pretax return on assets | 0.2303% | 5,993 |
| Return on Equity (ROE) | 2.4463% | 5,808 |
| Retained earnings to average equity (ytd only) | 2.4463% | 4,864 |
| Net charge-offs to loans | 1.1422% | 485 |
| Credit loss provision to net charge-offs | 18.5422% | 4,096 |
| Earnings coverage of net charge-offs (x) | 0.4425% | 4,716 |
| Efficiency ratio | 89.6809% | 1,026 |
| Assets per employee ($millions) | 3.8739% | 4,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9193% | 1,945 |
| Loan loss allowance to noncurrent loans | 79.0098% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 4.2077% | 735 |
| Noncurrent loans to loans | 2.4292% | 1,801 |
| Net loans and leases to total assets | 74.8506% | 1,150 |
| Net loans and leases to deposits | 83.9652% | 1,880 |
| Net loans and leases to core deposits | 101.8433% | 1,001 |
| Total domestic deposits to total assets | 89.1448% | 1,484 |
| Equity capital to assets | 10.5770% | 3,189 |
| Core capital (leverage) ratio | 10.2398% | 3,343 |
| Tier 1 risk-based capital ratio | 13.4584% | 4,785 |
| Total risk-based capital ratio | 14.7080% | 4,734 |
| Memoranda: |
| Average total assets | $116,357,000 | 4,396 |
| Average earning assets | $108,578,750 | 4,343 |
| Average equity | $10,955,000 | 4,693 |
| Average total loans | $91,285,000 | 3,685 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6199% | 1,785 |
| Cost of funding earning assets | 0.6255% | 2,731 |
| Net interest margin | 3.9943% | 1,878 |
| Noninterest income to average assets | -0.0333% | 6,832 |
| Noninterest expense to average assets | 3.2907% | 2,099 |
| Loan and lease loss provision to assets | 0.2245% | 1,685 |
| Net operating income to assets | 0.1679% | 5,982 |
| Return on assets (ROA) | 0.1679% | 6,098 |
| Pretax return on assets | 0.1679% | 6,132 |
| Return on Equity (ROE) | 1.8500% | 6,003 |
| Retained earnings to average equity (ytd only) | 1.8500% | 5,093 |
| Net charge-offs to loans | 1.4805% | 361 |
| Credit loss provision to net charge-offs | 19.1761% | 3,745 |
| Earnings coverage of net charge-offs (x) | 0.3352% | 4,430 |
| Efficiency ratio | 89.3454% | 1,098 |
| Assets per employee ($millions) | 4.6174% | 2,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7992% | 2,435 |
| Loan loss allowance to noncurrent loans | 61.4675% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 4.5879% | 708 |
| Noncurrent loans to loans | 2.9271% | 1,529 |
| Net loans and leases to total assets | 75.6510% | 1,022 |
| Net loans and leases to deposits | 83.7757% | 1,828 |
| Net loans and leases to core deposits | 99.8342% | 1,087 |
| Total domestic deposits to total assets | 90.3018% | 859 |
| Equity capital to assets | 9.4972% | 4,582 |
| Core capital (leverage) ratio | 9.5403% | 4,180 |
| Tier 1 risk-based capital ratio | 12.0013% | 5,790 |
| Total risk-based capital ratio | 13.2519% | 5,740 |
| Memoranda: |
| Average total assets | $120,277,670 | 4,340 |
| Average earning assets | $111,908,330 | 4,293 |
| Average equity | $10,919,000 | 4,741 |
| Average total loans | $95,106,000 | 3,607 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7504% | 1,405 |
| Cost of funding earning assets | 0.6510% | 2,651 |
| Net interest margin | 4.0994% | 1,465 |
| Noninterest income to average assets | -0.0522% | 6,902 |
| Noninterest expense to average assets | 3.4132% | 1,803 |
| Loan and lease loss provision to assets | 0.2119% | 1,751 |
| Net operating income to assets | 0.1206% | 6,111 |
| Return on assets (ROA) | 0.1206% | 6,201 |
| Pretax return on assets | 0.1206% | 6,221 |
| Return on Equity (ROE) | 1.3582% | 6,129 |
| Retained earnings to average equity (ytd only) | 1.3582% | 5,303 |
| Net charge-offs to loans | 2.8392% | 131 |
| Credit loss provision to net charge-offs | 9.3257% | 3,150 |
| Earnings coverage of net charge-offs (x) | 0.1463% | 3,770 |
| Efficiency ratio | 91.1227% | 1,059 |
| Assets per employee ($millions) | 4.3032% | 3,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6032% | 3,384 |
| Loan loss allowance to noncurrent loans | 106.8846% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 5.0109% | 732 |
| Noncurrent loans to loans | 1.4999% | 3,305 |
| Net loans and leases to total assets | 81.1922% | 337 |
| Net loans and leases to deposits | 89.7855% | 991 |
| Net loans and leases to core deposits | 112.6551% | 421 |
| Total domestic deposits to total assets | 90.4291% | 804 |
| Equity capital to assets | 9.3953% | 5,006 |
| Core capital (leverage) ratio | 8.8241% | 5,146 |
| Tier 1 risk-based capital ratio | 10.9332% | 6,437 |
| Total risk-based capital ratio | 12.1833% | 6,408 |
| Memoranda: |
| Average total assets | $122,699,500 | 4,334 |
| Average earning assets | $113,675,000 | 4,292 |
| Average equity | $10,897,000 | 4,789 |
| Average total loans | $98,195,500 | 3,555 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8604% | 1,983 |
| Cost of funding earning assets | 0.8137% | 2,555 |
| Net interest margin | 4.0467% | 2,214 |
| Noninterest income to average assets | -1.2281% | 7,062 |
| Noninterest expense to average assets | 3.4523% | 1,942 |
| Loan and lease loss provision to assets | 2.1346% | 82 |
| Net operating income to assets | -3.0141% | 7,006 |
| Return on assets (ROA) | -2.9727% | 7,010 |
| Pretax return on assets | -2.9727% | 7,013 |
| Return on Equity (ROE) | -29.9877% | 6,953 |
| Retained earnings to average equity (ytd only) | -29.9877% | 6,935 |
| Net charge-offs to loans | 2.8600% | 191 |
| Credit loss provision to net charge-offs | 92.3453% | 3,375 |
| Earnings coverage of net charge-offs (x) | -0.3805% | 5,641 |
| Efficiency ratio | 134.1820% | 136 |
| Assets per employee ($millions) | 3.9155% | 4,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1578% | 1,633 |
| Loan loss allowance to noncurrent loans | 56.3230% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 6.4134% | 517 |
| Noncurrent loans to loans | 3.8311% | 1,262 |
| Net loans and leases to total assets | 76.1154% | 897 |
| Net loans and leases to deposits | 83.2756% | 1,841 |
| Net loans and leases to core deposits | 103.6037% | 806 |
| Total domestic deposits to total assets | 91.4018% | 366 |
| Equity capital to assets | 8.4187% | 6,112 |
| Core capital (leverage) ratio | 8.3283% | 5,853 |
| Tier 1 risk-based capital ratio | 10.2120% | 6,644 |
| Total risk-based capital ratio | 11.4621% | 6,611 |
| Memoranda: |
| Average total assets | $132,809,000 | 4,088 |
| Average earning assets | $124,743,200 | 4,004 |
| Average equity | $13,165,400 | 4,323 |
| Average total loans | $107,342,400 | 3,348 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9559% | 1,814 |
| Cost of funding earning assets | 0.8428% | 2,607 |
| Net interest margin | 4.1132% | 2,043 |
| Noninterest income to average assets | -1.6673% | 7,170 |
| Noninterest expense to average assets | 3.4512% | 1,881 |
| Loan and lease loss provision to assets | 2.6276% | 57 |
| Net operating income to assets | -3.8720% | 7,136 |
| Return on assets (ROA) | -3.8720% | 7,139 |
| Pretax return on assets | -3.8720% | 7,136 |
| Return on Equity (ROE) | -37.6873% | 7,094 |
| Retained earnings to average equity (ytd only) | -37.6873% | 7,087 |
| Net charge-offs to loans | 3.3428% | 145 |
| Credit loss provision to net charge-offs | 96.3789% | 3,096 |
| Earnings coverage of net charge-offs (x) | -0.4565% | 5,486 |
| Efficiency ratio | 156.3940% | 77 |
| Assets per employee ($millions) | 3.8551% | 4,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2463% | 1,616 |
| Loan loss allowance to noncurrent loans | 35.5162% | 5,868 |
| Noncurrent assets plus other real estate owned to assets | 7.3637% | 463 |
| Noncurrent loans to loans | 6.3247% | 617 |
| Net loans and leases to total assets | 78.8481% | 629 |
| Net loans and leases to deposits | 86.5255% | 1,543 |
| Net loans and leases to core deposits | 108.7514% | 616 |
| Total domestic deposits to total assets | 91.1270% | 380 |
| Equity capital to assets | 8.5916% | 6,179 |
| Core capital (leverage) ratio | 8.2990% | 6,010 |
| Tier 1 risk-based capital ratio | 10.2404% | 6,742 |
| Total risk-based capital ratio | 11.4905% | 6,718 |
| Memoranda: |
| Average total assets | $133,708,000 | 4,100 |
| Average earning assets | $125,933,750 | 4,016 |
| Average equity | $13,737,250 | 4,256 |
| Average total loans | $109,048,000 | 3,343 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9289% | 1,993 |
| Cost of funding earning assets | 0.8842% | 2,527 |
| Net interest margin | 4.0447% | 2,319 |
| Noninterest income to average assets | 0.1825% | 6,260 |
| Noninterest expense to average assets | 3.2119% | 2,552 |
| Loan and lease loss provision to assets | 1.5529% | 224 |
| Net operating income to assets | -0.7507% | 6,840 |
| Return on assets (ROA) | -0.7507% | 6,866 |
| Pretax return on assets | -0.7507% | 6,831 |
| Return on Equity (ROE) | -6.9515% | 6,828 |
| Retained earnings to average equity (ytd only) | -6.9515% | 6,717 |
| Net charge-offs to loans | 1.5667% | 609 |
| Credit loss provision to net charge-offs | 121.1251% | 2,265 |
| Earnings coverage of net charge-offs (x) | 0.6257% | 4,751 |
| Efficiency ratio | 80.0147% | 2,173 |
| Assets per employee ($millions) | 4.0830% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3276% | 1,540 |
| Loan loss allowance to noncurrent loans | 32.2452% | 6,053 |
| Noncurrent assets plus other real estate owned to assets | 9.1370% | 327 |
| Noncurrent loans to loans | 7.2185% | 526 |
| Net loans and leases to total assets | 83.1181% | 261 |
| Net loans and leases to deposits | 93.6117% | 808 |
| Net loans and leases to core deposits | 117.8134% | 350 |
| Total domestic deposits to total assets | 88.7903% | 1,643 |
| Equity capital to assets | 10.9479% | 3,172 |
| Core capital (leverage) ratio | 10.6856% | 2,615 |
| Tier 1 risk-based capital ratio | 12.4438% | 5,610 |
| Total risk-based capital ratio | 13.6941% | 5,588 |
| Memoranda: |
| Average total assets | $135,871,330 | 4,076 |
| Average earning assets | $128,710,670 | 3,985 |
| Average equity | $14,673,000 | 4,054 |
| Average total loans | $111,192,670 | 3,306 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9611% | 2,029 |
| Cost of funding earning assets | 0.9571% | 2,253 |
| Net interest margin | 4.0040% | 2,488 |
| Noninterest income to average assets | 0.1011% | 6,744 |
| Noninterest expense to average assets | 3.1311% | 2,814 |
| Loan and lease loss provision to assets | 0.5199% | 1,159 |
| Net operating income to assets | 0.2686% | 5,753 |
| Return on assets (ROA) | 0.2686% | 5,918 |
| Pretax return on assets | 0.2686% | 6,040 |
| Return on Equity (ROE) | 2.5038% | 5,904 |
| Retained earnings to average equity (ytd only) | 2.5038% | 5,007 |
| Net charge-offs to loans | 0.3957% | 2,115 |
| Credit loss provision to net charge-offs | 163.6364% | 1,553 |
| Earnings coverage of net charge-offs (x) | 2.4818% | 3,176 |
| Efficiency ratio | 79.8821% | 2,220 |
| Assets per employee ($millions) | 4.5940% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2745% | 1,726 |
| Loan loss allowance to noncurrent loans | 32.0425% | 6,065 |
| Noncurrent assets plus other real estate owned to assets | 7.4351% | 546 |
| Noncurrent loans to loans | 7.0985% | 620 |
| Net loans and leases to total assets | 77.1272% | 689 |
| Net loans and leases to deposits | 86.7078% | 1,325 |
| Net loans and leases to core deposits | 109.4459% | 550 |
| Total domestic deposits to total assets | 88.9507% | 1,724 |
| Equity capital to assets | 10.8091% | 3,135 |
| Core capital (leverage) ratio | 10.7161% | 2,532 |
| Tier 1 risk-based capital ratio | 13.6577% | 4,711 |
| Total risk-based capital ratio | 14.9077% | 4,696 |
| Memoranda: |
| Average total assets | $138,479,500 | 4,062 |
| Average earning assets | $132,067,000 | 3,939 |
| Average equity | $14,857,500 | 4,022 |
| Average total loans | $111,196,000 | 3,322 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3329% | 1,614 |
| Cost of funding earning assets | 1.1391% | 2,417 |
| Net interest margin | 4.1938% | 2,083 |
| Noninterest income to average assets | -0.0287% | 7,043 |
| Noninterest expense to average assets | 3.3425% | 2,383 |
| Loan and lease loss provision to assets | 1.1186% | 811 |
| Net operating income to assets | -0.4796% | 6,473 |
| Return on assets (ROA) | -0.4796% | 6,528 |
| Pretax return on assets | -0.4796% | 6,484 |
| Return on Equity (ROE) | -5.9831% | 6,579 |
| Retained earnings to average equity (ytd only) | -5.9831% | 6,505 |
| Net charge-offs to loans | 3.5916% | 202 |
| Credit loss provision to net charge-offs | 37.9687% | 5,664 |
| Earnings coverage of net charge-offs (x) | 0.2169% | 5,666 |
| Efficiency ratio | 83.9508% | 1,768 |
| Assets per employee ($millions) | 4.4884% | 2,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1158% | 1,959 |
| Loan loss allowance to noncurrent loans | 29.3171% | 6,237 |
| Noncurrent assets plus other real estate owned to assets | 5.8933% | 839 |
| Noncurrent loans to loans | 7.2169% | 605 |
| Net loans and leases to total assets | 79.9324% | 499 |
| Net loans and leases to deposits | 89.7448% | 1,189 |
| Net loans and leases to core deposits | 117.1110% | 417 |
| Total domestic deposits to total assets | 89.0664% | 1,494 |
| Equity capital to assets | 10.6497% | 3,362 |
| Core capital (leverage) ratio | 10.3615% | 2,894 |
| Tier 1 risk-based capital ratio | 13.3466% | 4,808 |
| Total risk-based capital ratio | 14.5967% | 4,781 |
| Memoranda: |
| Average total assets | $143,035,400 | 3,929 |
| Average earning assets | $136,774,800 | 3,806 |
| Average equity | $11,465,600 | 4,668 |
| Average total loans | $117,328,400 | 3,231 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3903% | 1,543 |
| Cost of funding earning assets | 1.1657% | 2,527 |
| Net interest margin | 4.2247% | 2,004 |
| Noninterest income to average assets | -0.0870% | 7,200 |
| Noninterest expense to average assets | 3.2960% | 2,508 |
| Loan and lease loss provision to assets | 0.9258% | 953 |
| Net operating income to assets | -0.2722% | 6,458 |
| Return on assets (ROA) | -0.2722% | 6,525 |
| Pretax return on assets | -0.2722% | 6,470 |
| Return on Equity (ROE) | -3.6884% | 6,609 |
| Retained earnings to average equity (ytd only) | -3.6884% | 6,488 |
| Net charge-offs to loans | 3.9631% | 172 |
| Credit loss provision to net charge-offs | 28.4495% | 5,434 |
| Earnings coverage of net charge-offs (x) | 0.2009% | 5,447 |
| Efficiency ratio | 83.4505% | 1,796 |
| Assets per employee ($millions) | 5.0387% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1753% | 1,910 |
| Loan loss allowance to noncurrent loans | 36.8793% | 5,828 |
| Noncurrent assets plus other real estate owned to assets | 4.5627% | 1,308 |
| Noncurrent loans to loans | 5.8984% | 954 |
| Net loans and leases to total assets | 74.4651% | 1,240 |
| Net loans and leases to deposits | 80.2199% | 2,623 |
| Net loans and leases to core deposits | 101.6884% | 1,108 |
| Total domestic deposits to total assets | 92.8262% | 142 |
| Equity capital to assets | 6.8549% | 7,078 |
| Core capital (leverage) ratio | 6.7433% | 7,024 |
| Tier 1 risk-based capital ratio | 9.1328% | 7,098 |
| Total risk-based capital ratio | 10.3825% | 7,097 |
| Memoranda: |
| Average total assets | $144,009,250 | 3,923 |
| Average earning assets | $137,601,000 | 3,809 |
| Average equity | $10,627,500 | 4,888 |
| Average total loans | $118,255,000 | 3,240 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5758% | 1,120 |
| Cost of funding earning assets | 1.2040% | 2,554 |
| Net interest margin | 4.3718% | 1,458 |
| Noninterest income to average assets | -0.1779% | 7,331 |
| Noninterest expense to average assets | 3.4245% | 2,195 |
| Loan and lease loss provision to assets | 0.6355% | 1,508 |
| Net operating income to assets | -0.0692% | 6,314 |
| Return on assets (ROA) | -0.0692% | 6,373 |
| Pretax return on assets | -0.0692% | 6,333 |
| Return on Equity (ROE) | -0.9145% | 6,392 |
| Retained earnings to average equity (ytd only) | -0.9145% | 6,032 |
| Net charge-offs to loans | 3.9491% | 207 |
| Credit loss provision to net charge-offs | 19.1002% | 5,143 |
| Earnings coverage of net charge-offs (x) | 0.1702% | 5,176 |
| Efficiency ratio | 85.8103% | 1,623 |
| Assets per employee ($millions) | 4.9711% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6076% | 1,304 |
| Loan loss allowance to noncurrent loans | 53.8315% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 3.9502% | 1,630 |
| Noncurrent loans to loans | 4.8441% | 1,364 |
| Net loans and leases to total assets | 77.9377% | 790 |
| Net loans and leases to deposits | 84.2949% | 2,064 |
| Net loans and leases to core deposits | 104.0741% | 1,041 |
| Total domestic deposits to total assets | 92.4584% | 166 |
| Equity capital to assets | 7.1132% | 7,077 |
| Core capital (leverage) ratio | 7.4418% | 6,783 |
| Tier 1 risk-based capital ratio | 8.9513% | 7,180 |
| Total risk-based capital ratio | 10.2004% | 7,182 |
| Memoranda: |
| Average total assets | $141,625,000 | 4,000 |
| Average earning assets | $135,047,000 | 3,885 |
| Average equity | $10,716,000 | 4,866 |
| Average total loans | $119,318,000 | 3,245 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8484% | 670 |
| Cost of funding earning assets | 1.2932% | 2,220 |
| Net interest margin | 4.5552% | 950 |
| Noninterest income to average assets | -0.1538% | 7,412 |
| Noninterest expense to average assets | 3.5685% | 1,830 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6209% | 3,920 |
| Return on assets (ROA) | 0.6209% | 3,988 |
| Pretax return on assets | 0.6209% | 4,601 |
| Return on Equity (ROE) | 7.9480% | 2,934 |
| Retained earnings to average equity (ytd only) | 7.9480% | 1,750 |
| Net charge-offs to loans | 7.5101% | 64 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.0955% | 4,527 |
| Efficiency ratio | 85.1801% | 1,815 |
| Assets per employee ($millions) | 4.5824% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3454% | 1,692 |
| Loan loss allowance to noncurrent loans | 77.5112% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 3.9587% | 1,682 |
| Noncurrent loans to loans | 3.0258% | 2,488 |
| Net loans and leases to total assets | 84.1407% | 220 |
| Net loans and leases to deposits | 91.6480% | 1,049 |
| Net loans and leases to core deposits | 110.0247% | 720 |
| Total domestic deposits to total assets | 91.8085% | 338 |
| Equity capital to assets | 7.9086% | 6,585 |
| Core capital (leverage) ratio | 7.5954% | 6,664 |
| Tier 1 risk-based capital ratio | 9.1006% | 7,210 |
| Total risk-based capital ratio | 10.3505% | 7,217 |
| Memoranda: |
| Average total assets | $137,871,500 | 4,100 |
| Average earning assets | $131,455,500 | 3,988 |
| Average equity | $10,770,000 | 4,853 |
| Average total loans | $119,306,000 | 3,274 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0912% | 712 |
| Cost of funding earning assets | 1.6122% | 1,999 |
| Net interest margin | 4.4790% | 1,278 |
| Noninterest income to average assets | -0.1569% | 7,443 |
| Noninterest expense to average assets | 3.0247% | 3,756 |
| Loan and lease loss provision to assets | 2.9790% | 324 |
| Net operating income to assets | -1.9050% | 7,035 |
| Return on assets (ROA) | -1.9050% | 7,044 |
| Pretax return on assets | -1.9050% | 6,995 |
| Return on Equity (ROE) | -21.3123% | 7,063 |
| Retained earnings to average equity (ytd only) | -21.3123% | 7,040 |
| Net charge-offs to loans | 1.2872% | 1,737 |
| Credit loss provision to net charge-offs | 271.8555% | 1,009 |
| Earnings coverage of net charge-offs (x) | 0.9801% | 5,126 |
| Efficiency ratio | 73.7972% | 3,442 |
| Assets per employee ($millions) | 4.6091% | 2,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1759% | 345 |
| Loan loss allowance to noncurrent loans | 108.2866% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 4.7551% | 1,374 |
| Noncurrent loans to loans | 3.8564% | 1,904 |
| Net loans and leases to total assets | 83.2757% | 359 |
| Net loans and leases to deposits | 90.5315% | 1,458 |
| Net loans and leases to core deposits | 110.3173% | 901 |
| Total domestic deposits to total assets | 91.9854% | 289 |
| Equity capital to assets | 7.7152% | 6,739 |
| Core capital (leverage) ratio | 7.3068% | 6,838 |
| Tier 1 risk-based capital ratio | 8.8855% | 7,263 |
| Total risk-based capital ratio | 10.1356% | 7,272 |
| Memoranda: |
| Average total assets | $146,559,400 | 3,934 |
| Average earning assets | $139,250,200 | 3,834 |
| Average equity | $13,100,400 | 4,348 |
| Average total loans | $124,765,600 | 3,218 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1976% | 621 |
| Cost of funding earning assets | 1.6811% | 1,960 |
| Net interest margin | 4.5166% | 1,221 |
| Noninterest income to average assets | -0.0161% | 7,469 |
| Noninterest expense to average assets | 2.9414% | 3,941 |
| Loan and lease loss provision to assets | 0.8612% | 1,767 |
| Net operating income to assets | 0.4665% | 4,457 |
| Return on assets (ROA) | 0.4665% | 4,650 |
| Pretax return on assets | 0.4665% | 5,023 |
| Return on Equity (ROE) | 5.0576% | 4,257 |
| Retained earnings to average equity (ytd only) | 5.0576% | 2,948 |
| Net charge-offs to loans | 0.4956% | 3,294 |
| Credit loss provision to net charge-offs | 205.1282% | 1,725 |
| Earnings coverage of net charge-offs (x) | 3.1624% | 3,559 |
| Efficiency ratio | 68.9010% | 4,288 |
| Assets per employee ($millions) | 4.8927% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2735% | 1,661 |
| Loan loss allowance to noncurrent loans | 103.4612% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 3.2572% | 2,191 |
| Noncurrent loans to loans | 2.1975% | 3,451 |
| Net loans and leases to total assets | 80.5324% | 660 |
| Net loans and leases to deposits | 89.3234% | 1,819 |
| Net loans and leases to core deposits | 108.6352% | 1,118 |
| Total domestic deposits to total assets | 90.1582% | 799 |
| Equity capital to assets | 9.5318% | 4,791 |
| Core capital (leverage) ratio | 9.4635% | 3,956 |
| Tier 1 risk-based capital ratio | 11.1131% | 6,266 |
| Total risk-based capital ratio | 12.3629% | 6,267 |
| Memoranda: |
| Average total assets | $148,631,250 | 3,943 |
| Average earning assets | $141,017,750 | 3,851 |
| Average equity | $13,708,500 | 4,271 |
| Average total loans | $125,915,750 | 3,249 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2516% | 562 |
| Cost of funding earning assets | 1.7558% | 1,838 |
| Net interest margin | 4.4959% | 1,219 |
| Noninterest income to average assets | 0.1528% | 6,797 |
| Noninterest expense to average assets | 2.9736% | 3,816 |
| Loan and lease loss provision to assets | 1.1256% | 1,277 |
| Net operating income to assets | 0.3256% | 5,088 |
| Return on assets (ROA) | 0.3256% | 5,251 |
| Pretax return on assets | 0.3256% | 5,432 |
| Return on Equity (ROE) | 3.5698% | 4,982 |
| Retained earnings to average equity (ytd only) | 3.5698% | 3,831 |
| Net charge-offs to loans | 0.7400% | 2,383 |
| Credit loss provision to net charge-offs | 177.9661% | 2,201 |
| Earnings coverage of net charge-offs (x) | 2.2945% | 3,855 |
| Efficiency ratio | 67.2017% | 4,725 |
| Assets per employee ($millions) | 4.8580% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1042% | 1,953 |
| Loan loss allowance to noncurrent loans | 103.6715% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 3.6394% | 1,928 |
| Noncurrent loans to loans | 2.0297% | 3,682 |
| Net loans and leases to total assets | 83.8287% | 370 |
| Net loans and leases to deposits | 92.8535% | 1,412 |
| Net loans and leases to core deposits | 114.1165% | 917 |
| Total domestic deposits to total assets | 90.2806% | 779 |
| Equity capital to assets | 9.4051% | 4,857 |
| Core capital (leverage) ratio | 9.1231% | 4,423 |
| Tier 1 risk-based capital ratio | 10.5544% | 6,644 |
| Total risk-based capital ratio | 11.8041% | 6,640 |
| Memoranda: |
| Average total assets | $149,247,670 | 3,965 |
| Average earning assets | $141,819,000 | 3,869 |
| Average equity | $13,614,330 | 4,289 |
| Average total loans | $127,568,670 | 3,246 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2115% | 629 |
| Cost of funding earning assets | 1.8232% | 1,782 |
| Net interest margin | 4.3884% | 1,421 |
| Noninterest income to average assets | 0.2225% | 6,374 |
| Noninterest expense to average assets | 2.8741% | 4,170 |
| Loan and lease loss provision to assets | 0.9563% | 1,314 |
| Net operating income to assets | 0.5748% | 4,008 |
| Return on assets (ROA) | 0.5748% | 4,150 |
| Pretax return on assets | 0.5748% | 4,700 |
| Return on Equity (ROE) | 6.3974% | 3,673 |
| Retained earnings to average equity (ytd only) | 6.3974% | 2,417 |
| Net charge-offs to loans | 0.1923% | 3,767 |
| Credit loss provision to net charge-offs | 582.2581% | 747 |
| Earnings coverage of net charge-offs (x) | 9.3226% | 1,871 |
| Efficiency ratio | 65.2435% | 5,266 |
| Assets per employee ($millions) | 5.1354% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9808% | 2,242 |
| Loan loss allowance to noncurrent loans | 96.3089% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 3.6461% | 1,923 |
| Noncurrent loans to loans | 2.0567% | 3,713 |
| Net loans and leases to total assets | 84.9618% | 296 |
| Net loans and leases to deposits | 93.8783% | 1,361 |
| Net loans and leases to core deposits | 116.5926% | 925 |
| Total domestic deposits to total assets | 90.5021% | 736 |
| Equity capital to assets | 9.1790% | 5,018 |
| Core capital (leverage) ratio | 9.1804% | 4,258 |
| Tier 1 risk-based capital ratio | 10.1802% | 6,900 |
| Total risk-based capital ratio | 11.4306% | 6,887 |
| Memoranda: |
| Average total assets | $151,001,500 | 3,995 |
| Average earning assets | $143,925,500 | 3,870 |
| Average equity | $13,568,000 | 4,338 |
| Average total loans | $128,954,000 | 3,274 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5323% | 623 |
| Cost of funding earning assets | 2.3878% | 1,340 |
| Net interest margin | 4.1445% | 2,268 |
| Noninterest income to average assets | -0.0276% | 7,745 |
| Noninterest expense to average assets | 3.0184% | 4,078 |
| Loan and lease loss provision to assets | 0.5190% | 3,775 |
| Net operating income to assets | 0.4192% | 4,051 |
| Return on assets (ROA) | 0.4192% | 4,154 |
| Pretax return on assets | 0.4192% | 4,441 |
| Return on Equity (ROE) | 4.5211% | 3,875 |
| Retained earnings to average equity (ytd only) | 4.5211% | 2,088 |
| Net charge-offs to loans | 0.0878% | 6,244 |
| Credit loss provision to net charge-offs | 678.7037% | 428 |
| Earnings coverage of net charge-offs (x) | 12.2685% | 1,523 |
| Efficiency ratio | 76.2885% | 3,479 |
| Assets per employee ($millions) | 5.2785% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7528% | 2,697 |
| Loan loss allowance to noncurrent loans | 195.1599% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 1.2334% | 4,633 |
| Noncurrent loans to loans | 0.8982% | 5,514 |
| Net loans and leases to total assets | 82.6792% | 579 |
| Net loans and leases to deposits | 90.9177% | 2,061 |
| Net loans and leases to core deposits | 128.1160% | 1,389 |
| Total domestic deposits to total assets | 90.9385% | 556 |
| Equity capital to assets | 8.7969% | 5,444 |
| Core capital (leverage) ratio | 9.0934% | 4,271 |
| Tier 1 risk-based capital ratio | 10.0303% | 6,846 |
| Total risk-based capital ratio | 11.2801% | 6,815 |
| Memoranda: |
| Average total assets | $141,232,400 | 4,096 |
| Average earning assets | $135,771,400 | 3,985 |
| Average equity | $13,094,200 | 4,489 |
| Average total loans | $123,023,200 | 3,418 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6097% | 605 |
| Cost of funding earning assets | 2.5156% | 1,246 |
| Net interest margin | 4.0940% | 2,423 |
| Noninterest income to average assets | 0.0405% | 7,690 |
| Noninterest expense to average assets | 3.0355% | 3,901 |
| Loan and lease loss provision to assets | 0.5959% | 3,007 |
| Net operating income to assets | 0.3433% | 4,628 |
| Return on assets (ROA) | 0.3433% | 4,723 |
| Pretax return on assets | 0.3433% | 4,947 |
| Return on Equity (ROE) | 3.6508% | 4,520 |
| Retained earnings to average equity (ytd only) | 3.6508% | 3,245 |
| Net charge-offs to loans | 0.0559% | 6,147 |
| Credit loss provision to net charge-offs | 1,211.7647% | 313 |
| Earnings coverage of net charge-offs (x) | 19.0975% | 1,312 |
| Efficiency ratio | 76.3707% | 3,440 |
| Assets per employee ($millions) | 4.7345% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7534% | 2,433 |
| Loan loss allowance to noncurrent loans | 199.0950% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 1.5813% | 3,983 |
| Noncurrent loans to loans | 0.8807% | 5,531 |
| Net loans and leases to total assets | 86.7870% | 288 |
| Net loans and leases to deposits | 96.0584% | 1,565 |
| Net loans and leases to core deposits | 137.2134% | 1,045 |
| Total domestic deposits to total assets | 90.3481% | 644 |
| Equity capital to assets | 9.3126% | 5,015 |
| Core capital (leverage) ratio | 9.2787% | 4,221 |
| Tier 1 risk-based capital ratio | 10.1207% | 6,859 |
| Total risk-based capital ratio | 11.3705% | 6,807 |
| Memoranda: |
| Average total assets | $138,271,500 | 4,180 |
| Average earning assets | $132,872,500 | 4,057 |
| Average equity | $13,001,250 | 4,534 |
| Average total loans | $121,574,000 | 3,482 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6454% | 607 |
| Cost of funding earning assets | 2.6115% | 1,254 |
| Net interest margin | 4.0338% | 2,567 |
| Noninterest income to average assets | 0.1533% | 7,173 |
| Noninterest expense to average assets | 3.3193% | 2,883 |
| Loan and lease loss provision to assets | 0.6160% | 2,589 |
| Net operating income to assets | 0.0847% | 5,607 |
| Return on assets (ROA) | 0.0847% | 5,705 |
| Pretax return on assets | 0.0847% | 5,709 |
| Return on Equity (ROE) | 0.8974% | 5,661 |
| Retained earnings to average equity (ytd only) | 0.8974% | 4,820 |
| Net charge-offs to loans | 0.0865% | 5,342 |
| Credit loss provision to net charge-offs | 811.5385% | 579 |
| Earnings coverage of net charge-offs (x) | 9.2308% | 2,160 |
| Efficiency ratio | 82.5708% | 2,657 |
| Assets per employee ($millions) | 4.9002% | 2,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6530% | 2,514 |
| Loan loss allowance to noncurrent loans | 181.2670% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 1.6966% | 3,634 |
| Noncurrent loans to loans | 0.9119% | 5,393 |
| Net loans and leases to total assets | 83.8592% | 658 |
| Net loans and leases to deposits | 92.6326% | 2,339 |
| Net loans and leases to core deposits | 124.0129% | 2,025 |
| Total domestic deposits to total assets | 90.5289% | 618 |
| Equity capital to assets | 9.0855% | 5,189 |
| Core capital (leverage) ratio | 9.3146% | 4,147 |
| Tier 1 risk-based capital ratio | 10.0188% | 6,898 |
| Total risk-based capital ratio | 11.2693% | 6,832 |
| Memoranda: |
| Average total assets | $137,017,330 | 4,235 |
| Average earning assets | $131,339,670 | 4,113 |
| Average equity | $12,926,000 | 4,564 |
| Average total loans | $120,276,330 | 3,527 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7527% | 527 |
| Cost of funding earning assets | 2.7381% | 1,148 |
| Net interest margin | 4.0146% | 2,589 |
| Noninterest income to average assets | 0.0446% | 7,859 |
| Noninterest expense to average assets | 3.0430% | 3,582 |
| Loan and lease loss provision to assets | 0.4640% | 2,616 |
| Net operating income to assets | 0.4105% | 4,819 |
| Return on assets (ROA) | 0.4105% | 4,995 |
| Pretax return on assets | 0.4105% | 5,363 |
| Return on Equity (ROE) | 4.2680% | 4,809 |
| Retained earnings to average equity (ytd only) | 4.2680% | 3,535 |
| Net charge-offs to loans | 0.0100% | 5,501 |
| Credit loss provision to net charge-offs | 5,200.0000% | 140 |
| Earnings coverage of net charge-offs (x) | 98.0000% | 439 |
| Efficiency ratio | 77.6765% | 3,225 |
| Assets per employee ($millions) | 4.5141% | 2,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5023% | 2,975 |
| Loan loss allowance to noncurrent loans | 267.3653% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 1.2937% | 4,093 |
| Noncurrent loans to loans | 0.5619% | 6,008 |
| Net loans and leases to total assets | 86.4698% | 389 |
| Net loans and leases to deposits | 96.0356% | 1,939 |
| Net loans and leases to core deposits | 127.5363% | 1,820 |
| Total domestic deposits to total assets | 90.0394% | 785 |
| Equity capital to assets | 9.6003% | 4,525 |
| Core capital (leverage) ratio | 9.4601% | 4,037 |
| Tier 1 risk-based capital ratio | 10.2302% | 6,680 |
| Total risk-based capital ratio | 11.4801% | 6,594 |
| Memoranda: |
| Average total assets | $134,473,000 | 4,317 |
| Average earning assets | $129,726,500 | 4,162 |
| Average equity | $12,933,500 | 4,597 |
| Average total loans | $119,828,500 | 3,562 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2085% | 727 |
| Cost of funding earning assets | 3.3516% | 804 |
| Net interest margin | 3.8569% | 3,762 |
| Noninterest income to average assets | 0.1925% | 7,079 |
| Noninterest expense to average assets | 3.5101% | 2,369 |
| Loan and lease loss provision to assets | 0.6446% | 2,256 |
| Net operating income to assets | -0.2456% | 6,675 |
| Return on assets (ROA) | -0.2340% | 6,504 |
| Pretax return on assets | -0.2340% | 6,398 |
| Return on Equity (ROE) | -2.1701% | 6,531 |
| Retained earnings to average equity (ytd only) | -2.5548% | 6,006 |
| Net charge-offs to loans | 0.3152% | 3,282 |
| Credit loss provision to net charge-offs | 233.3333% | 2,035 |
| Earnings coverage of net charge-offs (x) | 1.4444% | 5,391 |
| Efficiency ratio | 89.7920% | 1,529 |
| Assets per employee ($millions) | 4.4508% | 2,697 |
| Cash dividends to net income (ytd only)* | -17.7305% | 7,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3521% | 3,468 |
| Loan loss allowance to noncurrent loans | 139.4535% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 1.3294% | 3,555 |
| Noncurrent loans to loans | 0.9696% | 4,656 |
| Net loans and leases to total assets | 89.2266% | 259 |
| Net loans and leases to deposits | 99.1660% | 1,966 |
| Net loans and leases to core deposits | 127.5950% | 2,031 |
| Total domestic deposits to total assets | 89.9770% | 649 |
| Equity capital to assets | 9.6358% | 4,503 |
| Core capital (leverage) ratio | 9.6523% | 3,827 |
| Tier 1 risk-based capital ratio | 9.9578% | 6,785 |
| Total risk-based capital ratio | 11.2081% | 6,672 |
| Memoranda: |
| Average total assets | $120,537,200 | 4,504 |
| Average earning assets | $116,154,800 | 4,360 |
| Average equity | $12,995,000 | 4,579 |
| Average total loans | $105,649,400 | 3,806 |
