| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0457% | 1,229 |
| Cost of funding earning assets | 1.5723% | 3,222 |
| Net interest margin | 4.4733% | 674 |
| Noninterest income to average assets | 0.3800% | 2,571 |
| Noninterest expense to average assets | 2.3783% | 2,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.8407% | 513 |
| Return on assets (ROA) | 1.8407% | 514 |
| Pretax return on assets | 2.3799% | 348 |
| Return on Equity (ROE) | 16.5000% | 725 |
| Retained earnings to average equity (ytd only) | 6.0828% | 1,795 |
| Net charge-offs to loans | 0.1873% | 745 |
| Credit loss provision to net charge-offs | 49.6894% | 2,338 |
| Earnings coverage of net charge-offs (x) | 19.1118% | 1,868 |
| Efficiency ratio | 49.9431% | 3,995 |
| Assets per employee ($millions) | 9.6129% | 868 |
| Cash dividends to net income (ytd only)* | 63.1313% | 1,065 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4485% | 1,155 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 62.0800% | 2,757 |
| Net loans and leases to deposits | 70.8107% | 2,891 |
| Net loans and leases to core deposits | 73.7179% | 3,171 |
| Total domestic deposits to total assets | 87.6700% | 1,644 |
| Equity capital to assets | 10.9807% | 1,594 |
| Core capital (leverage) ratio | 11.2019% | 1,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2254% | 858 |
| Memoranda: |
| Average total assets | $258,164,400 | 2,659 |
| Average earning assets | $252,809,800 | 2,577 |
| Average equity | $28,802,600 | 2,422 |
| Average total loans | $171,904,600 | 2,557 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0670% | 1,170 |
| Cost of funding earning assets | 1.6162% | 3,139 |
| Net interest margin | 4.4508% | 671 |
| Noninterest income to average assets | 0.4000% | 2,420 |
| Noninterest expense to average assets | 2.3303% | 2,708 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 1.8015% | 590 |
| Return on assets (ROA) | 1.8015% | 592 |
| Pretax return on assets | 2.4206% | 361 |
| Return on Equity (ROE) | 16.0800% | 812 |
| Retained earnings to average equity (ytd only) | 9.0908% | 1,094 |
| Net charge-offs to loans | 0.2481% | 503 |
| Credit loss provision to net charge-offs | 49.8442% | 2,052 |
| Earnings coverage of net charge-offs (x) | 14.4766% | 1,953 |
| Efficiency ratio | 48.9957% | 4,047 |
| Assets per employee ($millions) | 9.2658% | 977 |
| Cash dividends to net income (ytd only)* | 43.4657% | 1,626 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4545% | 1,172 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 64.1600% | 2,511 |
| Net loans and leases to deposits | 73.8649% | 2,682 |
| Net loans and leases to core deposits | 76.9672% | 3,013 |
| Total domestic deposits to total assets | 86.8700% | 1,639 |
| Equity capital to assets | 11.5101% | 1,478 |
| Core capital (leverage) ratio | 11.6430% | 1,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4565% | 866 |
| Memoranda: |
| Average total assets | $255,415,000 | 2,666 |
| Average earning assets | $250,134,500 | 2,591 |
| Average equity | $28,614,250 | 2,436 |
| Average total loans | $172,492,500 | 2,550 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0427% | 1,103 |
| Cost of funding earning assets | 1.6202% | 3,036 |
| Net interest margin | 4.4225% | 689 |
| Noninterest income to average assets | 0.3900% | 2,441 |
| Noninterest expense to average assets | 2.3340% | 2,696 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.7782% | 599 |
| Return on assets (ROA) | 1.7782% | 601 |
| Pretax return on assets | 2.3891% | 382 |
| Return on Equity (ROE) | 16.0200% | 833 |
| Retained earnings to average equity (ytd only) | 8.9296% | 1,116 |
| Net charge-offs to loans | 0.3754% | 309 |
| Credit loss provision to net charge-offs | 46.0123% | 1,844 |
| Earnings coverage of net charge-offs (x) | 9.3098% | 2,023 |
| Efficiency ratio | 49.4167% | 4,040 |
| Assets per employee ($millions) | 8.7593% | 1,090 |
| Cash dividends to net income (ytd only)* | 44.2674% | 1,663 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3999% | 1,381 |
| Loan loss allowance to noncurrent loans | 1,922.8346% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 3,332 |
| Noncurrent loans to loans | 0.0728% | 3,298 |
| Net loans and leases to total assets | 67.7100% | 2,159 |
| Net loans and leases to deposits | 77.9344% | 2,389 |
| Net loans and leases to core deposits | 80.8520% | 2,755 |
| Total domestic deposits to total assets | 86.8800% | 1,691 |
| Equity capital to assets | 11.3854% | 1,396 |
| Core capital (leverage) ratio | 11.3780% | 1,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8985% | 937 |
| Memoranda: |
| Average total assets | $254,072,667 | 2,672 |
| Average earning assets | $248,863,000 | 2,595 |
| Average equity | $28,198,333 | 2,425 |
| Average total loans | $173,682,000 | 2,541 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9281% | 1,157 |
| Cost of funding earning assets | 1.6419% | 2,880 |
| Net interest margin | 4.2862% | 764 |
| Noninterest income to average assets | 0.4000% | 2,294 |
| Noninterest expense to average assets | 2.3534% | 2,645 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.6734% | 691 |
| Return on assets (ROA) | 1.6734% | 699 |
| Pretax return on assets | 2.2495% | 455 |
| Return on Equity (ROE) | 15.2700% | 948 |
| Retained earnings to average equity (ytd only) | 8.0900% | 1,528 |
| Net charge-offs to loans | -0.0092% | 3,900 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 51.1286% | 3,963 |
| Assets per employee ($millions) | 8.6225% | 1,160 |
| Cash dividends to net income (ytd only)* | 47.0367% | 1,364 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5267% | 1,001 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 65.3800% | 2,320 |
| Net loans and leases to deposits | 74.7075% | 2,537 |
| Net loans and leases to core deposits | 77.1662% | 2,901 |
| Total domestic deposits to total assets | 87.5200% | 1,598 |
| Equity capital to assets | 10.8851% | 1,541 |
| Core capital (leverage) ratio | 11.3568% | 1,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4841% | 1,004 |
| Memoranda: |
| Average total assets | $254,099,500 | 2,676 |
| Average earning assets | $248,985,000 | 2,602 |
| Average equity | $27,837,000 | 2,454 |
| Average total loans | $173,303,000 | 2,548 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5634% | 1,087 |
| Cost of funding earning assets | 1.2017% | 2,798 |
| Net interest margin | 4.3617% | 743 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.3642% | 2,682 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.7218% | 701 |
| Return on assets (ROA) | 1.7218% | 672 |
| Pretax return on assets | 2.2622% | 455 |
| Return on Equity (ROE) | 16.6700% | 994 |
| Retained earnings to average equity (ytd only) | 11.3306% | 723 |
| Net charge-offs to loans | -0.2546% | 4,569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 51.1026% | 3,903 |
| Assets per employee ($millions) | 7.7977% | 1,539 |
| Cash dividends to net income (ytd only)* | 32.0293% | 2,470 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4972% | 1,060 |
| 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 | 69.0300% | 1,917 |
| Net loans and leases to deposits | 79.7500% | 2,132 |
| Net loans and leases to core deposits | 82.2155% | 2,573 |
| Total domestic deposits to total assets | 86.5600% | 1,829 |
| Equity capital to assets | 11.0278% | 1,469 |
| Core capital (leverage) ratio | 11.0768% | 1,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1812% | 1,052 |
| Memoranda: |
| Average total assets | $253,866,600 | 2,659 |
| Average earning assets | $248,481,600 | 2,584 |
| Average equity | $26,221,000 | 2,448 |
| Average total loans | $175,982,000 | 2,480 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4659% | 1,056 |
| Cost of funding earning assets | 1.0818% | 2,797 |
| Net interest margin | 4.3840% | 714 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.3188% | 2,734 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7676% | 705 |
| Return on assets (ROA) | 1.7676% | 690 |
| Pretax return on assets | 2.3246% | 467 |
| Return on Equity (ROE) | 17.4000% | 1,024 |
| Retained earnings to average equity (ytd only) | 10.1940% | 1,348 |
| Net charge-offs to loans | -0.3374% | 4,601 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.9381% | 3,915 |
| Assets per employee ($millions) | 8.1967% | 1,258 |
| Cash dividends to net income (ytd only)* | 41.4201% | 1,590 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5170% | 1,069 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 66.8400% | 2,171 |
| Net loans and leases to deposits | 77.0541% | 2,328 |
| Net loans and leases to core deposits | 80.2525% | 2,578 |
| Total domestic deposits to total assets | 86.7400% | 1,968 |
| Equity capital to assets | 10.3472% | 1,617 |
| Core capital (leverage) ratio | 10.8321% | 2,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7313% | 1,149 |
| Memoranda: |
| Average total assets | $254,952,000 | 2,659 |
| Average earning assets | $249,443,750 | 2,582 |
| Average equity | $25,897,000 | 2,456 |
| Average total loans | $176,262,000 | 2,483 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 11,365.0000% | 29 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 30,164.0000% | 26 |
| Cost of funding earning assets | 0.0000% | 4,571 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 1.8156% | 637 |
| Pretax return on assets | 2.3860% | 407 |
| Return on Equity (ROE) | 17.9900% | 958 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 2,387 |
| Efficiency ratio | 2.5587% | 4,621 |
| Assets per employee ($millions) | 0.3473% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.1151% | 2,902 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 397.0000% | 3 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0004% | 4,542 |
| Total domestic deposits to total assets | 10,114.0000% | 8 |
| Equity capital to assets | 12,012.0000% | 28 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $1,664,000 | 4,646 |
| Average earning assets | $10,513 | 4,608 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1921% | 964 |
| Cost of funding earning assets | 0.8261% | 2,624 |
| Net interest margin | 4.3660% | 723 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.2563% | 2,939 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7861% | 690 |
| Return on assets (ROA) | 1.7861% | 681 |
| Pretax return on assets | 2.3295% | 461 |
| Return on Equity (ROE) | 18.1100% | 1,014 |
| Retained earnings to average equity (ytd only) | 18.1118% | 505 |
| Net charge-offs to loans | -0.0158% | 4,024 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.2020% | 4,007 |
| Assets per employee ($millions) | 8.5717% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2498% | 2,291 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 66.8900% | 1,956 |
| Net loans and leases to deposits | 77.0422% | 2,034 |
| Net loans and leases to core deposits | 78.8815% | 2,326 |
| Total domestic deposits to total assets | 86.8300% | 2,328 |
| Equity capital to assets | 9.9996% | 1,824 |
| Core capital (leverage) ratio | 10.1703% | 2,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0927% | 1,350 |
| Memoranda: |
| Average total assets | $256,875,500 | 2,688 |
| Average earning assets | $251,305,500 | 2,611 |
| Average equity | $25,331,500 | 2,529 |
| Average total loans | $176,737,500 | 2,493 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8318% | 2,191 |
| Cost of funding earning assets | 0.3231% | 2,697 |
| Net interest margin | 3.5087% | 1,905 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.0830% | 3,345 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.2474% | 1,612 |
| Return on assets (ROA) | 1.2474% | 1,561 |
| Pretax return on assets | 1.6102% | 1,147 |
| Return on Equity (ROE) | 13.1100% | 1,771 |
| Retained earnings to average equity (ytd only) | 8.9658% | 1,488 |
| Net charge-offs to loans | 0.2187% | 371 |
| Credit loss provision to net charge-offs | 52.9101% | 1,807 |
| Earnings coverage of net charge-offs (x) | 11.3413% | 2,152 |
| Efficiency ratio | 55.2225% | 3,657 |
| Assets per employee ($millions) | 8.5534% | 1,068 |
| Cash dividends to net income (ytd only)* | 31.5856% | 2,353 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2104% | 2,335 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 69.0200% | 1,729 |
| Net loans and leases to deposits | 78.1496% | 1,932 |
| Net loans and leases to core deposits | 79.7899% | 2,149 |
| Total domestic deposits to total assets | 88.3200% | 1,961 |
| Equity capital to assets | 9.7229% | 1,873 |
| Core capital (leverage) ratio | 9.8209% | 2,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2167% | 1,887 |
| Memoranda: |
| Average total assets | $253,815,000 | 2,703 |
| Average earning assets | $248,210,600 | 2,628 |
| Average equity | $24,158,600 | 2,625 |
| Average total loans | $172,817,600 | 2,427 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5011% | 2,615 |
| Cost of funding earning assets | 0.2338% | 2,885 |
| Net interest margin | 3.2673% | 2,401 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.0738% | 3,285 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.0651% | 2,231 |
| Return on assets (ROA) | 1.0651% | 2,190 |
| Pretax return on assets | 1.3717% | 1,808 |
| Return on Equity (ROE) | 11.2500% | 2,284 |
| Retained earnings to average equity (ytd only) | 11.2513% | 985 |
| Net charge-offs to loans | -0.0156% | 3,887 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.4038% | 3,336 |
| Assets per employee ($millions) | 7.6303% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4497% | 1,453 |
| Loan loss allowance to noncurrent loans | 640.3990% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 2,468 |
| Noncurrent loans to loans | 0.2264% | 2,482 |
| Net loans and leases to total assets | 71.4900% | 1,341 |
| Net loans and leases to deposits | 81.3339% | 1,494 |
| Net loans and leases to core deposits | 82.6400% | 1,728 |
| Total domestic deposits to total assets | 87.9000% | 2,457 |
| Equity capital to assets | 10.1594% | 1,539 |
| Core capital (leverage) ratio | 9.8164% | 2,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6162% | 1,839 |
| Memoranda: |
| Average total assets | $253,118,500 | 2,732 |
| Average earning assets | $247,496,250 | 2,646 |
| Average equity | $23,961,000 | 2,690 |
| Average total loans | $171,201,500 | 2,444 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1084% | 3,282 |
| Cost of funding earning assets | 0.2403% | 2,392 |
| Net interest margin | 2.8681% | 3,248 |
| Noninterest income to average assets | 0.3624% | 2,973 |
| Noninterest expense to average assets | 2.0242% | 3,372 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8926% | 2,612 |
| Return on assets (ROA) | 0.8926% | 2,586 |
| Pretax return on assets | 1.1433% | 2,263 |
| Return on Equity (ROE) | 9.6540% | 2,471 |
| Retained earnings to average equity (ytd only) | 9.6540% | 1,108 |
| Net charge-offs to loans | -0.0177% | 3,818 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9053% | 2,781 |
| Assets per employee ($millions) | 8.0753% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3805% | 1,835 |
| Loan loss allowance to noncurrent loans | 470.7171% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 2,324 |
| Noncurrent loans to loans | 0.2933% | 2,296 |
| Net loans and leases to total assets | 67.4324% | 1,532 |
| Net loans and leases to deposits | 76.0940% | 1,680 |
| Net loans and leases to core deposits | 77.1340% | 1,911 |
| Total domestic deposits to total assets | 88.6173% | 2,330 |
| Equity capital to assets | 9.6714% | 1,898 |
| Core capital (leverage) ratio | 9.0505% | 3,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1565% | 1,995 |
| Memoranda: |
| Average total assets | $256,102,000 | 2,733 |
| Average earning assets | $250,480,333 | 2,664 |
| Average equity | $23,679,333 | 2,767 |
| Average total loans | $169,223,667 | 2,471 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9192% | 3,485 |
| Cost of funding earning assets | 0.3094% | 1,559 |
| Net interest margin | 2.6097% | 3,632 |
| Noninterest income to average assets | 0.3444% | 3,034 |
| Noninterest expense to average assets | 2.0094% | 3,404 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6950% | 3,076 |
| Return on assets (ROA) | 0.6950% | 3,065 |
| Pretax return on assets | 0.8881% | 2,818 |
| Return on Equity (ROE) | 7.6879% | 2,809 |
| Retained earnings to average equity (ytd only) | 7.6879% | 1,676 |
| Net charge-offs to loans | -0.0143% | 3,740 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3497% | 2,323 |
| Assets per employee ($millions) | 8.4238% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4483% | 1,719 |
| Loan loss allowance to noncurrent loans | 71.7027% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.2572% | 338 |
| Noncurrent loans to loans | 2.0199% | 361 |
| Net loans and leases to total assets | 61.3383% | 1,931 |
| Net loans and leases to deposits | 69.4029% | 2,021 |
| Net loans and leases to core deposits | 70.3135% | 2,265 |
| Total domestic deposits to total assets | 88.3800% | 2,339 |
| Equity capital to assets | 9.0439% | 2,674 |
| Core capital (leverage) ratio | 8.6290% | 3,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7947% | 2,308 |
| Memoranda: |
| Average total assets | $258,985,500 | 2,728 |
| Average earning assets | $253,360,000 | 2,663 |
| Average equity | $23,413,500 | 2,876 |
| Average total loans | $168,250,500 | 2,472 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8493% | 1,743 |
| Cost of funding earning assets | 0.3738% | 1,728 |
| Net interest margin | 3.4755% | 1,806 |
| Noninterest income to average assets | 0.3584% | 3,290 |
| Noninterest expense to average assets | 2.0271% | 3,592 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8760% | 3,122 |
| Return on assets (ROA) | 0.8760% | 3,182 |
| Pretax return on assets | 1.1172% | 2,910 |
| Return on Equity (ROE) | 10.2249% | 2,445 |
| Retained earnings to average equity (ytd only) | 7.9973% | 1,545 |
| Net charge-offs to loans | 0.1609% | 596 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 10.4910% | 2,206 |
| Efficiency ratio | 64.4695% | 2,486 |
| Assets per employee ($millions) | 8.2850% | 1,180 |
| Cash dividends to net income (ytd only)* | 21.7865% | 2,946 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3497% | 2,136 |
| Loan loss allowance to noncurrent loans | 71.0869% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 1.2860% | 368 |
| Noncurrent loans to loans | 1.8986% | 420 |
| Net loans and leases to total assets | 66.8221% | 1,396 |
| Net loans and leases to deposits | 78.1891% | 1,384 |
| Net loans and leases to core deposits | 79.2682% | 1,656 |
| Total domestic deposits to total assets | 85.4622% | 3,104 |
| Equity capital to assets | 9.0370% | 3,584 |
| Core capital (leverage) ratio | 8.6135% | 3,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0176% | 2,626 |
| Memoranda: |
| Average total assets | $261,998,400 | 2,651 |
| Average earning assets | $210,010,000 | 2,871 |
| Average equity | $22,445,200 | 3,021 |
| Average total loans | $173,425,800 | 2,434 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0510% | 1,422 |
| Cost of funding earning assets | 0.3871% | 1,806 |
| Net interest margin | 3.6639% | 1,421 |
| Noninterest income to average assets | 0.3550% | 3,329 |
| Noninterest expense to average assets | 2.0008% | 3,671 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8887% | 3,280 |
| Return on assets (ROA) | 0.8887% | 3,352 |
| Pretax return on assets | 1.1338% | 3,124 |
| Return on Equity (ROE) | 10.5147% | 2,552 |
| Retained earnings to average equity (ytd only) | 10.5147% | 1,170 |
| Net charge-offs to loans | 0.2154% | 384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 7.9964% | 2,118 |
| Efficiency ratio | 63.8288% | 2,411 |
| Assets per employee ($millions) | 7.9323% | 1,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3521% | 2,210 |
| Loan loss allowance to noncurrent loans | 70.8635% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.3048% | 432 |
| Noncurrent loans to loans | 1.9081% | 476 |
| Net loans and leases to total assets | 67.4568% | 1,380 |
| Net loans and leases to deposits | 78.4123% | 1,446 |
| Net loans and leases to core deposits | 79.4994% | 1,782 |
| Total domestic deposits to total assets | 86.0283% | 2,739 |
| Equity capital to assets | 9.1268% | 3,722 |
| Core capital (leverage) ratio | 8.7244% | 3,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5540% | 2,525 |
| Memoranda: |
| Average total assets | $263,289,500 | 2,670 |
| Average earning assets | $199,747,500 | 2,990 |
| Average equity | $22,254,000 | 3,066 |
| Average total loans | $173,289,750 | 2,477 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3656% | 897 |
| Cost of funding earning assets | 0.4245% | 1,704 |
| Net interest margin | 3.9412% | 905 |
| Noninterest income to average assets | 0.3573% | 3,323 |
| Noninterest expense to average assets | 1.9629% | 3,802 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8722% | 3,297 |
| Return on assets (ROA) | 0.8722% | 3,373 |
| Pretax return on assets | 1.1124% | 3,174 |
| Return on Equity (ROE) | 10.5879% | 2,560 |
| Retained earnings to average equity (ytd only) | 10.5879% | 1,221 |
| Net charge-offs to loans | -0.0035% | 3,324 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8272% | 2,454 |
| Assets per employee ($millions) | 8.0041% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5898% | 1,298 |
| Loan loss allowance to noncurrent loans | 2,156.5574% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 3,937 |
| Noncurrent loans to loans | 0.0737% | 3,816 |
| Net loans and leases to total assets | 63.5852% | 1,992 |
| Net loans and leases to deposits | 73.0483% | 2,104 |
| Net loans and leases to core deposits | 74.1505% | 2,397 |
| Total domestic deposits to total assets | 87.0454% | 2,292 |
| Equity capital to assets | 8.8033% | 3,972 |
| Core capital (leverage) ratio | 8.0666% | 4,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6732% | 2,483 |
| Memoranda: |
| Average total assets | $266,441,000 | 2,636 |
| Average earning assets | $183,753,000 | 3,112 |
| Average equity | $21,949,667 | 3,093 |
| Average total loans | $173,194,333 | 2,490 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3343% | 990 |
| Cost of funding earning assets | 0.4382% | 1,813 |
| Net interest margin | 3.8961% | 992 |
| Noninterest income to average assets | 0.3741% | 3,226 |
| Noninterest expense to average assets | 1.9220% | 3,933 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9544% | 2,955 |
| Return on assets (ROA) | 0.9544% | 3,049 |
| Pretax return on assets | 1.2150% | 2,806 |
| Return on Equity (ROE) | 11.9720% | 2,025 |
| Retained earnings to average equity (ytd only) | 11.9720% | 1,154 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2676% | 2,869 |
| Assets per employee ($millions) | 8.4427% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5237% | 1,525 |
| Loan loss allowance to noncurrent loans | 2,085.7143% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 4,029 |
| Noncurrent loans to loans | 0.0731% | 3,923 |
| Net loans and leases to total assets | 64.8948% | 1,930 |
| Net loans and leases to deposits | 75.3802% | 1,975 |
| Net loans and leases to core deposits | 76.5045% | 2,308 |
| Total domestic deposits to total assets | 86.0900% | 2,701 |
| Equity capital to assets | 8.3985% | 4,195 |
| Core capital (leverage) ratio | 7.6712% | 4,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7075% | 2,403 |
| Memoranda: |
| Average total assets | $271,595,500 | 2,586 |
| Average earning assets | $192,603,000 | 3,034 |
| Average equity | $21,650,500 | 3,108 |
| Average total loans | $177,045,000 | 2,460 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4598% | 1,411 |
| Cost of funding earning assets | 0.5688% | 2,510 |
| Net interest margin | 3.8910% | 1,242 |
| Noninterest income to average assets | 0.5032% | 2,619 |
| Noninterest expense to average assets | 2.4027% | 3,126 |
| Loan and lease loss provision to assets | 0.2820% | 1,351 |
| Net operating income to assets | 0.9106% | 2,648 |
| Return on assets (ROA) | 0.9106% | 2,784 |
| Pretax return on assets | 1.1651% | 2,458 |
| Return on Equity (ROE) | 10.1749% | 1,946 |
| Retained earnings to average equity (ytd only) | 8.3773% | 946 |
| Net charge-offs to loans | -0.0274% | 4,506 |
| Credit loss provision to net charge-offs | -1,343.7500% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4120% | 3,055 |
| Assets per employee ($millions) | 8.7958% | 797 |
| Cash dividends to net income (ytd only)* | 17.6668% | 3,336 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4465% | 1,788 |
| Loan loss allowance to noncurrent loans | 2,005.3435% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 4,112 |
| Noncurrent loans to loans | 0.0721% | 4,008 |
| Net loans and leases to total assets | 63.5917% | 2,419 |
| Net loans and leases to deposits | 73.5506% | 2,529 |
| Net loans and leases to core deposits | 74.5638% | 2,857 |
| Total domestic deposits to total assets | 86.4598% | 2,167 |
| Equity capital to assets | 7.5746% | 4,825 |
| Core capital (leverage) ratio | 7.8531% | 4,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5694% | 2,782 |
| Memoranda: |
| Average total assets | $228,744,800 | 2,727 |
| Average earning assets | $196,734,200 | 2,858 |
| Average equity | $20,472,000 | 3,142 |
| Average total loans | $175,119,000 | 2,445 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3893% | 1,878 |
| Cost of funding earning assets | 0.5864% | 2,698 |
| Net interest margin | 3.8029% | 1,612 |
| Noninterest income to average assets | 0.5158% | 2,538 |
| Noninterest expense to average assets | 2.5099% | 2,810 |
| Loan and lease loss provision to assets | 0.2134% | 1,887 |
| Net operating income to assets | 0.9884% | 2,378 |
| Return on assets (ROA) | 0.9884% | 2,515 |
| Pretax return on assets | 1.2624% | 2,184 |
| Return on Equity (ROE) | 10.5164% | 1,842 |
| Retained earnings to average equity (ytd only) | 8.0946% | 1,273 |
| Net charge-offs to loans | -0.0338% | 4,564 |
| Credit loss provision to net charge-offs | -784.0909% | 3,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9733% | 2,919 |
| Assets per employee ($millions) | 7.1466% | 1,402 |
| Cash dividends to net income (ytd only)* | 23.0288% | 2,656 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2564% | 2,370 |
| Loan loss allowance to noncurrent loans | 2,497.8495% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 4,255 |
| Noncurrent loans to loans | 0.0503% | 4,171 |
| Net loans and leases to total assets | 77.4111% | 910 |
| Net loans and leases to deposits | 92.4468% | 1,039 |
| Net loans and leases to core deposits | 94.2782% | 1,618 |
| Total domestic deposits to total assets | 83.7358% | 2,912 |
| Equity capital to assets | 8.8260% | 4,238 |
| Core capital (leverage) ratio | 8.2472% | 4,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9028% | 2,651 |
| Memoranda: |
| Average total assets | $215,564,500 | 2,811 |
| Average earning assets | $196,685,500 | 2,840 |
| Average equity | $20,260,000 | 3,155 |
| Average total loans | $173,494,750 | 2,456 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4628% | 2,023 |
| Cost of funding earning assets | 0.6331% | 2,795 |
| Net interest margin | 3.8297% | 1,741 |
| Noninterest income to average assets | 0.5067% | 2,536 |
| Noninterest expense to average assets | 2.5832% | 2,720 |
| Loan and lease loss provision to assets | 0.1293% | 2,728 |
| Net operating income to assets | 1.0364% | 2,200 |
| Return on assets (ROA) | 1.0364% | 2,335 |
| Pretax return on assets | 1.3228% | 1,955 |
| Return on Equity (ROE) | 10.7796% | 1,711 |
| Retained earnings to average equity (ytd only) | 10.7796% | 644 |
| Net charge-offs to loans | -0.0412% | 4,626 |
| Credit loss provision to net charge-offs | -385.7143% | 3,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0161% | 2,822 |
| Assets per employee ($millions) | 6.7135% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1424% | 2,814 |
| Loan loss allowance to noncurrent loans | 2,042.7184% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 4,310 |
| Noncurrent loans to loans | 0.0559% | 4,255 |
| Net loans and leases to total assets | 79.7655% | 617 |
| Net loans and leases to deposits | 95.3311% | 849 |
| Net loans and leases to core deposits | 97.2919% | 1,474 |
| Total domestic deposits to total assets | 83.6721% | 2,860 |
| Equity capital to assets | 9.0481% | 4,048 |
| Core capital (leverage) ratio | 8.2949% | 4,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0226% | 2,601 |
| Memoranda: |
| Average total assets | $208,807,000 | 2,834 |
| Average earning assets | $192,389,333 | 2,853 |
| Average equity | $20,075,000 | 3,165 |
| Average total loans | $169,697,333 | 2,471 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5447% | 2,175 |
| Cost of funding earning assets | 0.7502% | 2,667 |
| Net interest margin | 3.7945% | 1,998 |
| Noninterest income to average assets | 0.6028% | 2,028 |
| Noninterest expense to average assets | 2.8250% | 2,358 |
| Loan and lease loss provision to assets | 0.0603% | 3,018 |
| Net operating income to assets | 0.9644% | 2,302 |
| Return on assets (ROA) | 0.9644% | 2,401 |
| Pretax return on assets | 1.2337% | 2,091 |
| Return on Equity (ROE) | 9.7038% | 1,840 |
| Retained earnings to average equity (ytd only) | 9.7038% | 806 |
| Net charge-offs to loans | -0.0492% | 4,633 |
| Credit loss provision to net charge-offs | -150.0000% | 3,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5854% | 2,572 |
| Assets per employee ($millions) | 5.9679% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2337% | 2,490 |
| Loan loss allowance to noncurrent loans | 238.1753% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.4105% | 2,817 |
| Noncurrent loans to loans | 0.5180% | 2,711 |
| Net loans and leases to total assets | 78.2777% | 933 |
| Net loans and leases to deposits | 95.9652% | 914 |
| Net loans and leases to core deposits | 98.0862% | 1,617 |
| Total domestic deposits to total assets | 81.5689% | 3,531 |
| Equity capital to assets | 9.8745% | 3,902 |
| Core capital (leverage) ratio | 9.0590% | 4,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2191% | 3,035 |
| Memoranda: |
| Average total assets | $199,081,000 | 2,880 |
| Average earning assets | $184,478,500 | 2,877 |
| Average equity | $19,786,000 | 3,188 |
| Average total loans | $162,458,000 | 2,522 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8121% | 2,009 |
| Cost of funding earning assets | 0.9183% | 2,121 |
| Net interest margin | 3.8938% | 2,199 |
| Noninterest income to average assets | 0.5555% | 2,442 |
| Noninterest expense to average assets | 2.8910% | 2,318 |
| Loan and lease loss provision to assets | 0.0469% | 3,091 |
| Net operating income to assets | 0.9497% | 3,021 |
| Return on assets (ROA) | 0.9579% | 3,073 |
| Pretax return on assets | 1.2219% | 2,762 |
| Return on Equity (ROE) | 9.7306% | 2,428 |
| Retained earnings to average equity (ytd only) | 6.5576% | 1,584 |
| Net charge-offs to loans | 0.0379% | 2,630 |
| Credit loss provision to net charge-offs | 147.5410% | 1,744 |
| Earnings coverage of net charge-offs (x) | 39.6230% | 1,323 |
| Efficiency ratio | 69.6738% | 2,226 |
| Assets per employee ($millions) | 5.5787% | 1,997 |
| Cash dividends to net income (ytd only)* | 32.6087% | 2,966 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1785% | 2,556 |
| Loan loss allowance to noncurrent loans | 229.1469% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.4323% | 2,661 |
| Noncurrent loans to loans | 0.5143% | 2,644 |
| Net loans and leases to total assets | 83.0540% | 422 |
| Net loans and leases to deposits | 103.4895% | 400 |
| Net loans and leases to core deposits | 107.6592% | 996 |
| Total domestic deposits to total assets | 80.2535% | 3,925 |
| Equity capital to assets | 10.0054% | 3,910 |
| Core capital (leverage) ratio | 8.9174% | 4,584 |
| Tier 1 risk-based capital ratio | 10.6031% | 4,988 |
| Total risk-based capital ratio | 11.7943% | 4,928 |
| Memoranda: |
| Average total assets | $192,080,600 | 2,905 |
| Average earning assets | $177,282,600 | 2,913 |
| Average equity | $18,909,400 | 3,232 |
| Average total loans | $161,151,600 | 2,500 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8295% | 2,032 |
| Cost of funding earning assets | 0.9292% | 2,085 |
| Net interest margin | 3.9003% | 2,252 |
| Noninterest income to average assets | 0.5513% | 2,453 |
| Noninterest expense to average assets | 2.7567% | 2,694 |
| Loan and lease loss provision to assets | 0.0627% | 2,644 |
| Net operating income to assets | 1.0352% | 2,842 |
| Return on assets (ROA) | 1.0462% | 2,886 |
| Pretax return on assets | 1.3271% | 2,574 |
| Return on Equity (ROE) | 10.6719% | 2,147 |
| Retained earnings to average equity (ytd only) | 6.4060% | 2,171 |
| Net charge-offs to loans | 0.0515% | 2,094 |
| Credit loss provision to net charge-offs | 145.1613% | 1,673 |
| Earnings coverage of net charge-offs (x) | 31.8404% | 1,569 |
| Efficiency ratio | 66.7060% | 2,633 |
| Assets per employee ($millions) | 5.3215% | 2,192 |
| Cash dividends to net income (ytd only)* | 39.9734% | 2,163 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1568% | 2,736 |
| Loan loss allowance to noncurrent loans | 1,453.3835% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 4,367 |
| Noncurrent loans to loans | 0.0796% | 4,283 |
| Net loans and leases to total assets | 86.2152% | 177 |
| Net loans and leases to deposits | 107.6906% | 274 |
| Net loans and leases to core deposits | 112.3304% | 831 |
| Total domestic deposits to total assets | 80.0583% | 3,979 |
| Equity capital to assets | 10.0134% | 4,004 |
| Core capital (leverage) ratio | 8.9292% | 4,684 |
| Tier 1 risk-based capital ratio | 10.2723% | 5,138 |
| Total risk-based capital ratio | 11.4560% | 5,077 |
| Memoranda: |
| Average total assets | $191,287,000 | 2,938 |
| Average earning assets | $175,638,500 | 2,952 |
| Average equity | $18,752,750 | 3,277 |
| Average total loans | $160,414,250 | 2,532 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7528% | 2,212 |
| Cost of funding earning assets | 0.9224% | 2,042 |
| Net interest margin | 3.8304% | 2,478 |
| Noninterest income to average assets | 0.5419% | 2,427 |
| Noninterest expense to average assets | 2.7585% | 2,726 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0241% | 2,828 |
| Return on assets (ROA) | 1.0241% | 2,913 |
| Pretax return on assets | 1.3107% | 2,523 |
| Return on Equity (ROE) | 10.5216% | 2,166 |
| Retained earnings to average equity (ytd only) | 4.0732% | 3,210 |
| Net charge-offs to loans | 0.0809% | 1,550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 19.5781% | 1,814 |
| Efficiency ratio | 67.7892% | 2,573 |
| Assets per employee ($millions) | 5.0803% | 2,376 |
| Cash dividends to net income (ytd only)* | 61.2870% | 1,366 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1514% | 2,780 |
| Loan loss allowance to noncurrent loans | 3,917.0213% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 4,658 |
| Noncurrent loans to loans | 0.0294% | 4,573 |
| Net loans and leases to total assets | 84.0833% | 354 |
| Net loans and leases to deposits | 103.8374% | 429 |
| Net loans and leases to core deposits | 109.7255% | 991 |
| Total domestic deposits to total assets | 80.9759% | 3,821 |
| Equity capital to assets | 9.9616% | 4,003 |
| Core capital (leverage) ratio | 8.7312% | 4,818 |
| Tier 1 risk-based capital ratio | 10.1775% | 5,202 |
| Total risk-based capital ratio | 11.3350% | 5,153 |
| Memoranda: |
| Average total assets | $191,191,670 | 2,949 |
| Average earning assets | $176,064,670 | 2,960 |
| Average equity | $18,609,330 | 3,287 |
| Average total loans | $158,186,330 | 2,563 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6951% | 2,246 |
| Cost of funding earning assets | 0.9228% | 1,909 |
| Net interest margin | 3.7722% | 2,623 |
| Noninterest income to average assets | 0.4544% | 2,832 |
| Noninterest expense to average assets | 2.6826% | 2,954 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9751% | 2,948 |
| Return on assets (ROA) | 0.9751% | 2,992 |
| Pretax return on assets | 1.2490% | 2,635 |
| Return on Equity (ROE) | 10.1340% | 2,309 |
| Retained earnings to average equity (ytd only) | 10.1340% | 1,005 |
| Net charge-offs to loans | 0.1449% | 890 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 10.5614% | 1,954 |
| Efficiency ratio | 68.2322% | 2,609 |
| Assets per employee ($millions) | 5.3255% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1776% | 2,701 |
| Loan loss allowance to noncurrent loans | 4,620.0000% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 4,612 |
| Noncurrent loans to loans | 0.0255% | 4,669 |
| Net loans and leases to total assets | 80.8871% | 725 |
| Net loans and leases to deposits | 98.3573% | 756 |
| Net loans and leases to core deposits | 103.7103% | 1,335 |
| Total domestic deposits to total assets | 82.2381% | 3,666 |
| Equity capital to assets | 9.8039% | 4,007 |
| Core capital (leverage) ratio | 8.4120% | 5,056 |
| Tier 1 risk-based capital ratio | 10.4121% | 5,192 |
| Total risk-based capital ratio | 11.6057% | 5,136 |
| Memoranda: |
| Average total assets | $192,801,500 | 2,969 |
| Average earning assets | $177,719,000 | 2,975 |
| Average equity | $18,551,500 | 3,306 |
| Average total loans | $157,332,500 | 2,601 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4391% | 2,640 |
| Cost of funding earning assets | 0.7732% | 1,671 |
| Net interest margin | 3.6659% | 3,172 |
| Noninterest income to average assets | 0.5479% | 2,558 |
| Noninterest expense to average assets | 2.7242% | 2,947 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9167% | 3,378 |
| Return on assets (ROA) | 0.9167% | 3,367 |
| Pretax return on assets | 1.1766% | 2,982 |
| Return on Equity (ROE) | 9.4710% | 2,760 |
| Retained earnings to average equity (ytd only) | 6.6149% | 1,856 |
| Net charge-offs to loans | -0.0343% | 4,857 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8370% | 2,214 |
| Assets per employee ($millions) | 5.3857% | 2,071 |
| Cash dividends to net income (ytd only)* | 30.1568% | 3,033 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2077% | 2,527 |
| Loan loss allowance to noncurrent loans | 5,442.8571% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 4,797 |
| Noncurrent loans to loans | 0.0222% | 4,684 |
| Net loans and leases to total assets | 80.3759% | 885 |
| Net loans and leases to deposits | 98.0175% | 901 |
| Net loans and leases to core deposits | 108.1999% | 1,109 |
| Total domestic deposits to total assets | 82.0016% | 3,643 |
| Equity capital to assets | 9.4422% | 4,177 |
| Core capital (leverage) ratio | 8.4650% | 5,039 |
| Tier 1 risk-based capital ratio | 9.8914% | 5,334 |
| Total risk-based capital ratio | 11.1068% | 5,297 |
| Memoranda: |
| Average total assets | $180,861,400 | 3,049 |
| Average earning assets | $165,417,600 | 3,074 |
| Average equity | $17,506,000 | 3,344 |
| Average total loans | $145,847,600 | 2,696 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3933% | 2,649 |
| Cost of funding earning assets | 0.7123% | 1,785 |
| Net interest margin | 3.6810% | 3,083 |
| Noninterest income to average assets | 0.5578% | 2,532 |
| Noninterest expense to average assets | 2.7814% | 2,697 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8813% | 3,621 |
| Return on assets (ROA) | 0.8813% | 3,623 |
| Pretax return on assets | 1.1321% | 3,273 |
| Return on Equity (ROE) | 9.0449% | 3,061 |
| Retained earnings to average equity (ytd only) | 5.1927% | 3,117 |
| Net charge-offs to loans | -0.0448% | 4,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0723% | 2,028 |
| Assets per employee ($millions) | 4.7236% | 2,818 |
| Cash dividends to net income (ytd only)* | 42.5896% | 1,926 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2834% | 2,174 |
| Loan loss allowance to noncurrent loans | 5,286.1111% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 4,890 |
| Noncurrent loans to loans | 0.0243% | 4,791 |
| Net loans and leases to total assets | 83.7487% | 483 |
| Net loans and leases to deposits | 104.8285% | 498 |
| Net loans and leases to core deposits | 109.6872% | 1,057 |
| Total domestic deposits to total assets | 79.8912% | 4,146 |
| Equity capital to assets | 10.1874% | 3,463 |
| Core capital (leverage) ratio | 8.6130% | 5,022 |
| Tier 1 risk-based capital ratio | 10.2664% | 5,305 |
| Total risk-based capital ratio | 11.5169% | 5,237 |
| Memoranda: |
| Average total assets | $177,605,750 | 3,100 |
| Average earning assets | $161,909,250 | 3,145 |
| Average equity | $17,305,750 | 3,391 |
| Average total loans | $142,874,250 | 2,748 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2421% | 2,974 |
| Cost of funding earning assets | 0.6528% | 1,914 |
| Net interest margin | 3.5893% | 3,361 |
| Noninterest income to average assets | 0.5522% | 2,566 |
| Noninterest expense to average assets | 2.7847% | 2,707 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8121% | 3,817 |
| Return on assets (ROA) | 0.8121% | 3,819 |
| Pretax return on assets | 1.0440% | 3,532 |
| Return on Equity (ROE) | 8.4601% | 3,283 |
| Retained earnings to average equity (ytd only) | 2.6255% | 4,203 |
| Net charge-offs to loans | -0.1248% | 5,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7326% | 1,880 |
| Assets per employee ($millions) | 4.9529% | 2,480 |
| Cash dividends to net income (ytd only)* | 68.9655% | 1,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3608% | 1,894 |
| Loan loss allowance to noncurrent loans | 3,238.3333% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 4,856 |
| Noncurrent loans to loans | 0.0420% | 4,729 |
| Net loans and leases to total assets | 78.9891% | 1,164 |
| Net loans and leases to deposits | 95.9917% | 1,138 |
| Net loans and leases to core deposits | 101.1142% | 1,643 |
| Total domestic deposits to total assets | 82.2875% | 3,634 |
| Equity capital to assets | 9.7301% | 3,889 |
| Core capital (leverage) ratio | 8.1776% | 5,277 |
| Tier 1 risk-based capital ratio | 10.5985% | 5,230 |
| Total risk-based capital ratio | 11.8504% | 5,130 |
| Memoranda: |
| Average total assets | $178,549,670 | 3,112 |
| Average earning assets | $162,984,000 | 3,146 |
| Average equity | $17,139,330 | 3,430 |
| Average total loans | $141,074,330 | 2,783 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1880% | 2,921 |
| Cost of funding earning assets | 0.6138% | 1,953 |
| Net interest margin | 3.5742% | 3,267 |
| Noninterest income to average assets | 0.5686% | 2,428 |
| Noninterest expense to average assets | 2.8230% | 2,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7701% | 3,830 |
| Return on assets (ROA) | 0.7701% | 3,828 |
| Pretax return on assets | 0.9918% | 3,563 |
| Return on Equity (ROE) | 8.0777% | 3,338 |
| Retained earnings to average equity (ytd only) | -3.6632% | 5,125 |
| Net charge-offs to loans | -0.2453% | 5,413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0023% | 1,899 |
| Assets per employee ($millions) | 4.7961% | 2,741 |
| Cash dividends to net income (ytd only)* | 145.3488% | 326 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4039% | 1,823 |
| Loan loss allowance to noncurrent loans | 3,130.6452% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 4,936 |
| Noncurrent loans to loans | 0.0448% | 4,773 |
| Net loans and leases to total assets | 76.8154% | 1,411 |
| Net loans and leases to deposits | 89.6147% | 1,729 |
| Net loans and leases to core deposits | 94.0433% | 2,133 |
| Total domestic deposits to total assets | 85.7174% | 2,668 |
| Equity capital to assets | 9.5557% | 4,039 |
| Core capital (leverage) ratio | 7.8712% | 5,424 |
| Tier 1 risk-based capital ratio | 10.5369% | 5,340 |
| Total risk-based capital ratio | 11.7890% | 5,246 |
| Memoranda: |
| Average total assets | $178,673,000 | 3,141 |
| Average earning assets | $162,274,500 | 3,186 |
| Average equity | $17,034,500 | 3,470 |
| Average total loans | $140,220,000 | 2,812 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3600% | 2,150 |
| Cost of funding earning assets | 0.4867% | 2,447 |
| Net interest margin | 3.8733% | 2,175 |
| Noninterest income to average assets | 0.6933% | 1,994 |
| Noninterest expense to average assets | 3.0478% | 2,024 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.6286% | 5,554 |
| Return on assets (ROA) | -0.6286% | 5,552 |
| Pretax return on assets | 1.1071% | 3,161 |
| Return on Equity (ROE) | -5.6651% | 5,552 |
| Retained earnings to average equity (ytd only) | -7.8461% | 5,499 |
| Net charge-offs to loans | 0.0333% | 3,125 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 40.6667% | 1,253 |
| Efficiency ratio | 73.3547% | 2,007 |
| Assets per employee ($millions) | 4.9970% | 2,480 |
| Cash dividends to net income (ytd only)* | -38.4986% | 5,636 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3046% | 2,193 |
| Loan loss allowance to noncurrent loans | 2,768.6567% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 4,951 |
| Noncurrent loans to loans | 0.0471% | 4,784 |
| Net loans and leases to total assets | 78.0090% | 1,286 |
| Net loans and leases to deposits | 92.4405% | 1,462 |
| Net loans and leases to core deposits | 96.4826% | 1,983 |
| Total domestic deposits to total assets | 84.3884% | 3,072 |
| Equity capital to assets | 9.5124% | 4,227 |
| Core capital (leverage) ratio | 7.9905% | 5,443 |
| Tier 1 risk-based capital ratio | 10.3799% | 5,413 |
| Total risk-based capital ratio | 11.6364% | 5,325 |
| Memoranda: |
| Average total assets | $165,297,800 | 3,293 |
| Average earning assets | $147,730,800 | 3,352 |
| Average equity | $18,340,400 | 3,321 |
| Average total loans | $135,173,600 | 2,848 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3254% | 2,197 |
| Cost of funding earning assets | 0.4344% | 2,859 |
| Net interest margin | 3.8910% | 2,071 |
| Noninterest income to average assets | 0.7019% | 1,991 |
| Noninterest expense to average assets | 3.0650% | 1,907 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7110% | 3,917 |
| Return on assets (ROA) | 0.7110% | 3,983 |
| Pretax return on assets | 1.1094% | 3,266 |
| Return on Equity (ROE) | 6.1633% | 4,049 |
| Retained earnings to average equity (ytd only) | 3.3033% | 3,962 |
| Net charge-offs to loans | 0.0390% | 2,658 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 34.4863% | 1,440 |
| Efficiency ratio | 73.4242% | 1,987 |
| Assets per employee ($millions) | 4.7063% | 2,825 |
| Cash dividends to net income (ytd only)* | 46.4039% | 1,947 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3314% | 2,203 |
| Loan loss allowance to noncurrent loans | 2,621.1268% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 5,033 |
| Noncurrent loans to loans | 0.0508% | 4,883 |
| Net loans and leases to total assets | 79.2033% | 1,094 |
| Net loans and leases to deposits | 99.5331% | 781 |
| Net loans and leases to core deposits | 104.3087% | 1,372 |
| Total domestic deposits to total assets | 79.5748% | 4,417 |
| Equity capital to assets | 10.9135% | 2,948 |
| Core capital (leverage) ratio | 8.3240% | 5,355 |
| Tier 1 risk-based capital ratio | 10.1998% | 5,547 |
| Total risk-based capital ratio | 11.4607% | 5,499 |
| Memoranda: |
| Average total assets | $161,649,250 | 3,356 |
| Average earning assets | $144,259,750 | 3,422 |
| Average equity | $18,647,500 | 3,310 |
| Average total loans | $133,420,250 | 2,886 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2650% | 2,237 |
| Cost of funding earning assets | 0.3630% | 3,449 |
| Net interest margin | 3.9020% | 1,921 |
| Noninterest income to average assets | 0.7442% | 1,794 |
| Noninterest expense to average assets | 3.1202% | 1,793 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7074% | 3,818 |
| Return on assets (ROA) | 0.7074% | 3,881 |
| Pretax return on assets | 1.1048% | 3,154 |
| Return on Equity (ROE) | 6.0123% | 4,041 |
| Retained earnings to average equity (ytd only) | 1.6947% | 4,582 |
| Net charge-offs to loans | -0.0091% | 4,502 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8503% | 2,040 |
| Assets per employee ($millions) | 4.6094% | 2,927 |
| Cash dividends to net income (ytd only)* | 71.8133% | 1,068 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4174% | 1,873 |
| Loan loss allowance to noncurrent loans | 5,956.2500% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 5,209 |
| Noncurrent loans to loans | 0.0238% | 5,067 |
| Net loans and leases to total assets | 79.8855% | 974 |
| Net loans and leases to deposits | 102.4673% | 580 |
| Net loans and leases to core deposits | 105.3844% | 1,274 |
| Total domestic deposits to total assets | 77.9619% | 4,821 |
| Equity capital to assets | 11.2613% | 2,535 |
| Core capital (leverage) ratio | 8.9984% | 4,729 |
| Tier 1 risk-based capital ratio | 10.4106% | 5,502 |
| Total risk-based capital ratio | 11.6737% | 5,417 |
| Memoranda: |
| Average total assets | $157,488,000 | 3,423 |
| Average earning assets | $140,493,670 | 3,487 |
| Average equity | $18,528,670 | 3,330 |
| Average total loans | $131,300,330 | 2,928 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3528% | 1,807 |
| Cost of funding earning assets | 0.3747% | 3,254 |
| Net interest margin | 3.9781% | 1,527 |
| Noninterest income to average assets | 0.8091% | 1,518 |
| Noninterest expense to average assets | 3.2128% | 1,571 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7308% | 3,555 |
| Return on assets (ROA) | 0.7308% | 3,607 |
| Pretax return on assets | 1.1431% | 2,803 |
| Return on Equity (ROE) | 6.0706% | 3,877 |
| Retained earnings to average equity (ytd only) | 6.0706% | 2,296 |
| Net charge-offs to loans | -0.0062% | 4,244 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7567% | 2,273 |
| Assets per employee ($millions) | 4.4601% | 3,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4571% | 1,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 82.4015% | 527 |
| Net loans and leases to deposits | 99.6576% | 637 |
| Net loans and leases to core deposits | 102.8094% | 1,306 |
| Total domestic deposits to total assets | 82.6846% | 3,953 |
| Equity capital to assets | 11.7857% | 1,976 |
| Core capital (leverage) ratio | 8.8779% | 4,872 |
| Tier 1 risk-based capital ratio | 10.4776% | 5,553 |
| Total risk-based capital ratio | 11.7418% | 5,471 |
| Memoranda: |
| Average total assets | $153,262,000 | 3,510 |
| Average earning assets | $136,648,500 | 3,580 |
| Average equity | $18,449,500 | 3,352 |
| Average total loans | $129,716,500 | 2,965 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3572% | 1,963 |
| Cost of funding earning assets | 0.3599% | 3,415 |
| Net interest margin | 3.9973% | 1,636 |
| Noninterest income to average assets | 0.7773% | 1,844 |
| Noninterest expense to average assets | 3.5227% | 1,127 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5218% | 4,544 |
| Return on assets (ROA) | 0.5302% | 4,601 |
| Pretax return on assets | 0.8363% | 4,063 |
| Return on Equity (ROE) | 4.2216% | 4,763 |
| Retained earnings to average equity (ytd only) | 4.2216% | 2,902 |
| Net charge-offs to loans | 0.0082% | 3,984 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 118.6000% | 510 |
| Efficiency ratio | 81.0604% | 1,296 |
| Assets per employee ($millions) | 4.1783% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4740% | 1,785 |
| Loan loss allowance to noncurrent loans | 23,750.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 5,410 |
| Noncurrent loans to loans | 0.0062% | 5,287 |
| Net loans and leases to total assets | 84.4296% | 347 |
| Net loans and leases to deposits | 103.1791% | 456 |
| Net loans and leases to core deposits | 106.3786% | 1,108 |
| Total domestic deposits to total assets | 81.8282% | 4,120 |
| Equity capital to assets | 12.2996% | 1,632 |
| Core capital (leverage) ratio | 9.2079% | 4,469 |
| Tier 1 risk-based capital ratio | 10.5748% | 5,539 |
| Total risk-based capital ratio | 11.8504% | 5,453 |
| Memoranda: |
| Average total assets | $144,093,400 | 3,603 |
| Average earning assets | $128,638,400 | 3,678 |
| Average equity | $18,097,600 | 3,390 |
| Average total loans | $122,577,000 | 3,030 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3628% | 1,964 |
| Cost of funding earning assets | 0.3464% | 3,569 |
| Net interest margin | 4.0164% | 1,605 |
| Noninterest income to average assets | 0.7588% | 1,937 |
| Noninterest expense to average assets | 3.5776% | 1,027 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4807% | 4,763 |
| Return on assets (ROA) | 0.4921% | 4,819 |
| Pretax return on assets | 0.7784% | 4,382 |
| Return on Equity (ROE) | 3.8969% | 4,942 |
| Retained earnings to average equity (ytd only) | 3.8969% | 3,532 |
| Net charge-offs to loans | -0.0055% | 4,636 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4671% | 1,136 |
| Assets per employee ($millions) | 4.0851% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5177% | 1,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 86.9073% | 192 |
| Net loans and leases to deposits | 106.8324% | 347 |
| Net loans and leases to core deposits | 114.0795% | 717 |
| Total domestic deposits to total assets | 81.3491% | 4,155 |
| Equity capital to assets | 12.7885% | 1,599 |
| Core capital (leverage) ratio | 9.2732% | 4,497 |
| Tier 1 risk-based capital ratio | 10.3379% | 5,684 |
| Total risk-based capital ratio | 11.6144% | 5,596 |
| Memoranda: |
| Average total assets | $142,511,750 | 3,641 |
| Average earning assets | $127,011,000 | 3,721 |
| Average equity | $17,996,750 | 3,434 |
| Average total loans | $120,996,500 | 3,055 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3386% | 2,021 |
| Cost of funding earning assets | 0.3461% | 3,611 |
| Net interest margin | 3.9925% | 1,664 |
| Noninterest income to average assets | 0.6224% | 2,498 |
| Noninterest expense to average assets | 3.5053% | 1,154 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4198% | 4,975 |
| Return on assets (ROA) | 0.4369% | 5,001 |
| Pretax return on assets | 0.6926% | 4,638 |
| Return on Equity (ROE) | 3.4747% | 5,103 |
| Retained earnings to average equity (ytd only) | 3.4747% | 3,681 |
| Net charge-offs to loans | -0.0017% | 4,356 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0350% | 1,046 |
| Assets per employee ($millions) | 3.8788% | 4,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5734% | 1,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 85.6120% | 280 |
| Net loans and leases to deposits | 105.1222% | 402 |
| Net loans and leases to core deposits | 109.1186% | 972 |
| Total domestic deposits to total assets | 81.4404% | 4,152 |
| Equity capital to assets | 12.9328% | 1,545 |
| Core capital (leverage) ratio | 8.9942% | 4,838 |
| Tier 1 risk-based capital ratio | 10.3955% | 5,724 |
| Total risk-based capital ratio | 11.6746% | 5,623 |
| Memoranda: |
| Average total assets | $142,355,670 | 3,669 |
| Average earning assets | $126,538,670 | 3,751 |
| Average equity | $17,900,670 | 3,452 |
| Average total loans | $119,270,330 | 3,091 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2861% | 2,181 |
| Cost of funding earning assets | 0.3598% | 3,503 |
| Net interest margin | 3.9263% | 1,859 |
| Noninterest income to average assets | 0.5928% | 2,576 |
| Noninterest expense to average assets | 3.5042% | 1,173 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3646% | 5,095 |
| Return on assets (ROA) | 0.3646% | 5,176 |
| Pretax return on assets | 0.5817% | 4,869 |
| Return on Equity (ROE) | 2.9403% | 5,263 |
| Retained earnings to average equity (ytd only) | 2.9403% | 4,045 |
| Net charge-offs to loans | -0.0474% | 5,299 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7629% | 997 |
| Assets per employee ($millions) | 4.2126% | 3,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6069% | 1,584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 5,401 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 82.2521% | 529 |
| Net loans and leases to deposits | 104.2862% | 398 |
| Net loans and leases to core deposits | 108.2715% | 958 |
| Total domestic deposits to total assets | 78.8714% | 4,995 |
| Equity capital to assets | 12.4906% | 1,687 |
| Core capital (leverage) ratio | 8.8655% | 5,005 |
| Tier 1 risk-based capital ratio | 10.4031% | 5,791 |
| Total risk-based capital ratio | 11.6837% | 5,698 |
| Memoranda: |
| Average total assets | $143,715,000 | 3,671 |
| Average earning assets | $127,856,000 | 3,756 |
| Average equity | $17,821,500 | 3,462 |
| Average total loans | $118,177,000 | 3,113 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2089% | 2,525 |
| Cost of funding earning assets | 0.3917% | 3,246 |
| Net interest margin | 3.8172% | 2,316 |
| Noninterest income to average assets | 0.7864% | 1,841 |
| Noninterest expense to average assets | 3.5827% | 1,166 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3228% | 5,289 |
| Return on assets (ROA) | 0.3228% | 5,374 |
| Pretax return on assets | 0.5185% | 5,065 |
| Return on Equity (ROE) | 2.5531% | 5,442 |
| Retained earnings to average equity (ytd only) | 2.5531% | 4,251 |
| Net charge-offs to loans | -0.1350% | 5,863 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3569% | 883 |
| Assets per employee ($millions) | 4.1201% | 3,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6378% | 1,501 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2261% | 4,687 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 79.5495% | 914 |
| Net loans and leases to deposits | 96.0777% | 1,000 |
| Net loans and leases to core deposits | 99.7634% | 1,518 |
| Total domestic deposits to total assets | 82.7970% | 3,907 |
| Equity capital to assets | 12.3112% | 1,732 |
| Core capital (leverage) ratio | 8.8811% | 5,025 |
| Tier 1 risk-based capital ratio | 10.5830% | 5,740 |
| Total risk-based capital ratio | 11.8791% | 5,632 |
| Memoranda: |
| Average total assets | $138,470,600 | 3,745 |
| Average earning assets | $120,244,000 | 3,875 |
| Average equity | $17,507,800 | 3,456 |
| Average total loans | $108,152,000 | 3,235 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2084% | 2,549 |
| Cost of funding earning assets | 0.3983% | 3,242 |
| Net interest margin | 3.8101% | 2,345 |
| Noninterest income to average assets | 0.8212% | 1,723 |
| Noninterest expense to average assets | 3.5931% | 1,127 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3240% | 5,388 |
| Return on assets (ROA) | 0.3240% | 5,468 |
| Pretax return on assets | 0.5137% | 5,190 |
| Return on Equity (ROE) | 2.5449% | 5,541 |
| Retained earnings to average equity (ytd only) | 2.5449% | 4,605 |
| Net charge-offs to loans | -0.1874% | 5,977 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4911% | 892 |
| Assets per employee ($millions) | 3.7577% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8032% | 1,258 |
| Loan loss allowance to noncurrent loans | 9,109.5238% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.2638% | 4,714 |
| Noncurrent loans to loans | 0.0198% | 5,558 |
| Net loans and leases to total assets | 79.2085% | 925 |
| Net loans and leases to deposits | 96.2356% | 980 |
| Net loans and leases to core deposits | 100.3709% | 1,479 |
| Total domestic deposits to total assets | 82.3069% | 4,067 |
| Equity capital to assets | 13.4299% | 1,263 |
| Core capital (leverage) ratio | 9.2577% | 4,650 |
| Tier 1 risk-based capital ratio | 10.8818% | 5,717 |
| Total risk-based capital ratio | 12.1816% | 5,603 |
| Memoranda: |
| Average total assets | $137,037,750 | 3,803 |
| Average earning assets | $118,174,500 | 3,955 |
| Average equity | $17,446,500 | 3,490 |
| Average total loans | $106,034,500 | 3,303 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1894% | 2,581 |
| Cost of funding earning assets | 0.4055% | 3,219 |
| Net interest margin | 3.7839% | 2,389 |
| Noninterest income to average assets | 0.8742% | 1,528 |
| Noninterest expense to average assets | 3.6507% | 1,050 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2981% | 5,440 |
| Return on assets (ROA) | 0.2981% | 5,544 |
| Pretax return on assets | 0.4752% | 5,286 |
| Return on Equity (ROE) | 2.3828% | 5,599 |
| Retained earnings to average equity (ytd only) | 2.3828% | 4,542 |
| Net charge-offs to loans | -0.2830% | 6,106 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4817% | 878 |
| Assets per employee ($millions) | 3.7493% | 4,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8603% | 1,246 |
| Loan loss allowance to noncurrent loans | 9,114.2857% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 4,841 |
| Noncurrent loans to loans | 0.0204% | 5,679 |
| Net loans and leases to total assets | 74.8092% | 1,535 |
| Net loans and leases to deposits | 91.5581% | 1,417 |
| Net loans and leases to core deposits | 94.7356% | 1,892 |
| Total domestic deposits to total assets | 81.7068% | 4,382 |
| Equity capital to assets | 12.9492% | 1,429 |
| Core capital (leverage) ratio | 9.3063% | 4,543 |
| Tier 1 risk-based capital ratio | 10.9085% | 5,762 |
| Total risk-based capital ratio | 12.2096% | 5,646 |
| Memoranda: |
| Average total assets | $138,877,000 | 3,799 |
| Average earning assets | $119,349,000 | 3,962 |
| Average equity | $17,374,330 | 3,514 |
| Average total loans | $106,016,670 | 3,323 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1086% | 2,791 |
| Cost of funding earning assets | 0.3826% | 3,502 |
| Net interest margin | 3.7260% | 2,526 |
| Noninterest income to average assets | 0.5766% | 2,794 |
| Noninterest expense to average assets | 3.3459% | 1,607 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2556% | 5,545 |
| Return on assets (ROA) | 0.2556% | 5,640 |
| Pretax return on assets | 0.4118% | 5,401 |
| Return on Equity (ROE) | 2.0782% | 5,671 |
| Retained earnings to average equity (ytd only) | 2.0782% | 4,634 |
| Net charge-offs to loans | -0.5280% | 6,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0401% | 935 |
| Assets per employee ($millions) | 3.7906% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8491% | 1,395 |
| Loan loss allowance to noncurrent loans | 2,475.3247% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.8251% | 3,034 |
| Noncurrent loans to loans | 0.0747% | 5,474 |
| Net loans and leases to total assets | 74.1366% | 1,480 |
| Net loans and leases to deposits | 91.0596% | 1,288 |
| Net loans and leases to core deposits | 94.1904% | 1,750 |
| Total domestic deposits to total assets | 81.4155% | 4,696 |
| Equity capital to assets | 12.7580% | 1,538 |
| Core capital (leverage) ratio | 8.7005% | 5,328 |
| Tier 1 risk-based capital ratio | 10.7340% | 5,926 |
| Total risk-based capital ratio | 11.9911% | 5,849 |
| Memoranda: |
| Average total assets | $140,828,500 | 3,800 |
| Average earning assets | $120,235,500 | 3,966 |
| Average equity | $17,322,500 | 3,546 |
| Average total loans | $107,581,500 | 3,309 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1188% | 3,253 |
| Cost of funding earning assets | 0.2470% | 5,359 |
| Net interest margin | 3.8718% | 2,353 |
| Noninterest income to average assets | 0.6426% | 2,602 |
| Noninterest expense to average assets | 3.5990% | 1,308 |
| Loan and lease loss provision to assets | 0.0007% | 4,594 |
| Net operating income to assets | 5.5483% | 36 |
| Return on assets (ROA) | 5.5483% | 37 |
| Pretax return on assets | 0.5447% | 5,122 |
| Return on Equity (ROE) | 58.5185% | 11 |
| Retained earnings to average equity (ytd only) | 58.5185% | 4 |
| Net charge-offs to loans | 0.0391% | 4,042 |
| Credit loss provision to net charge-offs | 2.4390% | 4,184 |
| Earnings coverage of net charge-offs (x) | 17.8049% | 1,893 |
| Efficiency ratio | 86.8397% | 1,096 |
| Assets per employee ($millions) | 4.0332% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5738% | 2,181 |
| Loan loss allowance to noncurrent loans | 225.5754% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.8678% | 3,044 |
| Noncurrent loans to loans | 0.6977% | 3,595 |
| Net loans and leases to total assets | 75.9839% | 1,268 |
| Net loans and leases to deposits | 97.2035% | 817 |
| Net loans and leases to core deposits | 100.4955% | 1,363 |
| Total domestic deposits to total assets | 78.1699% | 5,406 |
| Equity capital to assets | 11.8703% | 2,112 |
| Core capital (leverage) ratio | 8.5550% | 5,492 |
| Tier 1 risk-based capital ratio | 9.9003% | 6,281 |
| Total risk-based capital ratio | 11.1548% | 6,241 |
| Memoranda: |
| Average total assets | $133,841,600 | 3,904 |
| Average earning assets | $121,055,400 | 3,938 |
| Average equity | $12,690,000 | 4,245 |
| Average total loans | $104,986,400 | 3,325 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1371% | 3,226 |
| Cost of funding earning assets | 0.2654% | 5,252 |
| Net interest margin | 3.8717% | 2,343 |
| Noninterest income to average assets | 0.6595% | 2,526 |
| Noninterest expense to average assets | 3.6823% | 1,147 |
| Loan and lease loss provision to assets | 0.0010% | 4,387 |
| Net operating income to assets | 0.9821% | 2,533 |
| Return on assets (ROA) | 0.9821% | 2,600 |
| Pretax return on assets | 0.5241% | 5,254 |
| Return on Equity (ROE) | 11.1360% | 1,738 |
| Retained earnings to average equity (ytd only) | 11.1360% | 494 |
| Net charge-offs to loans | 0.0271% | 3,953 |
| Credit loss provision to net charge-offs | 4.7619% | 3,759 |
| Earnings coverage of net charge-offs (x) | 24.5707% | 1,539 |
| Efficiency ratio | 87.5181% | 1,045 |
| Assets per employee ($millions) | 3.6711% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6603% | 2,098 |
| Loan loss allowance to noncurrent loans | 675.7576% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.5312% | 4,280 |
| Noncurrent loans to loans | 0.2457% | 5,162 |
| Net loans and leases to total assets | 79.9538% | 718 |
| Net loans and leases to deposits | 99.6736% | 631 |
| Net loans and leases to core deposits | 103.5362% | 1,126 |
| Total domestic deposits to total assets | 80.2156% | 5,046 |
| Equity capital to assets | 9.1730% | 5,178 |
| Core capital (leverage) ratio | 9.6410% | 4,168 |
| Tier 1 risk-based capital ratio | 11.5543% | 5,763 |
| Total risk-based capital ratio | 12.8099% | 5,685 |
| Memoranda: |
| Average total assets | $131,003,500 | 3,987 |
| Average earning assets | $120,049,000 | 3,989 |
| Average equity | $11,553,750 | 4,469 |
| Average total loans | $103,211,000 | 3,384 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1061% | 3,316 |
| Cost of funding earning assets | 0.2593% | 5,392 |
| Net interest margin | 3.8467% | 2,394 |
| Noninterest income to average assets | 0.6661% | 2,455 |
| Noninterest expense to average assets | 3.7085% | 1,122 |
| Loan and lease loss provision to assets | 0.0015% | 4,180 |
| Net operating income to assets | 0.9585% | 2,513 |
| Return on assets (ROA) | 0.9585% | 2,601 |
| Pretax return on assets | 0.4992% | 5,277 |
| Return on Equity (ROE) | 11.0172% | 1,740 |
| Retained earnings to average equity (ytd only) | 11.0172% | 539 |
| Net charge-offs to loans | 0.1415% | 2,255 |
| Credit loss provision to net charge-offs | 1.3889% | 3,393 |
| Earnings coverage of net charge-offs (x) | 4.5417% | 3,087 |
| Efficiency ratio | 88.1048% | 1,082 |
| Assets per employee ($millions) | 3.3732% | 5,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7117% | 2,096 |
| Loan loss allowance to noncurrent loans | 8,252.3810% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.5196% | 4,442 |
| Noncurrent loans to loans | 0.0207% | 6,008 |
| Net loans and leases to total assets | 77.6304% | 953 |
| Net loans and leases to deposits | 92.9426% | 1,058 |
| Net loans and leases to core deposits | 96.5067% | 1,563 |
| Total domestic deposits to total assets | 83.5251% | 4,100 |
| Equity capital to assets | 9.1915% | 5,115 |
| Core capital (leverage) ratio | 9.3653% | 4,510 |
| Tier 1 risk-based capital ratio | 11.8158% | 5,635 |
| Total risk-based capital ratio | 13.0720% | 5,565 |
| Memoranda: |
| Average total assets | $130,618,000 | 4,020 |
| Average earning assets | $120,309,670 | 4,001 |
| Average equity | $11,364,000 | 4,527 |
| Average total loans | $101,797,670 | 3,419 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9968% | 3,697 |
| Cost of funding earning assets | 0.2395% | 5,678 |
| Net interest margin | 3.7573% | 2,649 |
| Noninterest income to average assets | 0.6554% | 2,430 |
| Noninterest expense to average assets | 3.7016% | 1,128 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9315% | 2,498 |
| Return on assets (ROA) | 0.9315% | 2,569 |
| Pretax return on assets | 0.4764% | 5,239 |
| Return on Equity (ROE) | 11.0085% | 1,677 |
| Retained earnings to average equity (ytd only) | 11.0085% | 743 |
| Net charge-offs to loans | 1.7516% | 166 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.3512% | 3,365 |
| Efficiency ratio | 88.5984% | 1,166 |
| Assets per employee ($millions) | 3.2763% | 5,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3730% | 3,728 |
| Loan loss allowance to noncurrent loans | 123.8139% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 1.0878% | 3,073 |
| Noncurrent loans to loans | 1.1089% | 3,205 |
| Net loans and leases to total assets | 76.2882% | 969 |
| Net loans and leases to deposits | 88.7454% | 1,280 |
| Net loans and leases to core deposits | 92.0542% | 1,728 |
| Total domestic deposits to total assets | 85.9629% | 3,385 |
| Equity capital to assets | 8.8929% | 5,233 |
| Core capital (leverage) ratio | 8.9051% | 5,133 |
| Tier 1 risk-based capital ratio | 12.2356% | 5,483 |
| Total risk-based capital ratio | 13.4877% | 5,414 |
| Memoranda: |
| Average total assets | $131,835,500 | 4,037 |
| Average earning assets | $123,598,000 | 3,973 |
| Average equity | $11,155,000 | 4,575 |
| Average total loans | $102,075,500 | 3,424 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1274% | 3,630 |
| Cost of funding earning assets | 0.3581% | 5,065 |
| Net interest margin | 3.7693% | 2,765 |
| Noninterest income to average assets | 0.8283% | 1,944 |
| Noninterest expense to average assets | 4.0612% | 813 |
| Loan and lease loss provision to assets | 0.1617% | 2,258 |
| Net operating income to assets | 0.1617% | 5,915 |
| Return on assets (ROA) | 0.4145% | 5,209 |
| Pretax return on assets | 0.4145% | 5,463 |
| Return on Equity (ROE) | 5.0538% | 4,601 |
| Retained earnings to average equity (ytd only) | 5.0538% | 2,557 |
| Net charge-offs to loans | 0.2028% | 2,849 |
| Credit loss provision to net charge-offs | 108.1218% | 2,222 |
| Earnings coverage of net charge-offs (x) | 2.1624% | 4,308 |
| Efficiency ratio | 92.6234% | 834 |
| Assets per employee ($millions) | 3.1603% | 5,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7129% | 2,361 |
| Loan loss allowance to noncurrent loans | 157.1429% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 1.0773% | 3,255 |
| Noncurrent loans to loans | 1.0901% | 3,355 |
| Net loans and leases to total assets | 76.1706% | 1,049 |
| Net loans and leases to deposits | 84.5555% | 1,861 |
| Net loans and leases to core deposits | 87.3947% | 2,302 |
| Total domestic deposits to total assets | 90.0835% | 1,033 |
| Equity capital to assets | 8.0555% | 5,975 |
| Core capital (leverage) ratio | 8.6709% | 5,450 |
| Tier 1 risk-based capital ratio | 11.4426% | 5,936 |
| Total risk-based capital ratio | 12.7002% | 5,870 |
| Memoranda: |
| Average total assets | $131,709,800 | 4,038 |
| Average earning assets | $124,267,600 | 3,964 |
| Average equity | $10,803,800 | 4,675 |
| Average total loans | $97,119,000 | 3,529 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0148% | 4,072 |
| Cost of funding earning assets | 0.3496% | 5,298 |
| Net interest margin | 3.6653% | 3,172 |
| Noninterest income to average assets | 0.9837% | 1,500 |
| Noninterest expense to average assets | 4.0520% | 804 |
| Loan and lease loss provision to assets | 0.0020% | 4,914 |
| Net operating income to assets | 0.3959% | 5,255 |
| Return on assets (ROA) | 0.3959% | 5,396 |
| Pretax return on assets | 0.3959% | 5,634 |
| Return on Equity (ROE) | 4.8042% | 4,825 |
| Retained earnings to average equity (ytd only) | 4.8042% | 3,231 |
| Net charge-offs to loans | 0.3282% | 1,900 |
| Credit loss provision to net charge-offs | 0.8547% | 4,330 |
| Earnings coverage of net charge-offs (x) | 1.6667% | 4,285 |
| Efficiency ratio | 91.0571% | 917 |
| Assets per employee ($millions) | 3.1172% | 5,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6440% | 2,822 |
| Loan loss allowance to noncurrent loans | 390.9548% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 1.3611% | 2,920 |
| Noncurrent loans to loans | 0.4205% | 5,145 |
| Net loans and leases to total assets | 71.1023% | 1,764 |
| Net loans and leases to deposits | 82.4820% | 2,078 |
| Net loans and leases to core deposits | 85.9009% | 2,420 |
| Total domestic deposits to total assets | 86.2034% | 3,135 |
| Equity capital to assets | 8.1864% | 6,016 |
| Core capital (leverage) ratio | 8.6659% | 5,583 |
| Tier 1 risk-based capital ratio | 11.5209% | 6,050 |
| Total risk-based capital ratio | 12.7753% | 6,012 |
| Memoranda: |
| Average total assets | $130,663,500 | 4,095 |
| Average earning assets | $123,571,500 | 4,015 |
| Average equity | $10,768,000 | 4,740 |
| Average total loans | $95,069,750 | 3,599 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9350% | 4,337 |
| Cost of funding earning assets | 0.3303% | 5,564 |
| Net interest margin | 3.6047% | 3,336 |
| Noninterest income to average assets | 0.9772% | 1,588 |
| Noninterest expense to average assets | 4.0130% | 851 |
| Loan and lease loss provision to assets | 0.0015% | 4,765 |
| Net operating income to assets | 0.3722% | 5,322 |
| Return on assets (ROA) | 0.3722% | 5,493 |
| Pretax return on assets | 0.3722% | 5,701 |
| Return on Equity (ROE) | 4.5064% | 4,999 |
| Retained earnings to average equity (ytd only) | 4.5064% | 3,401 |
| Net charge-offs to loans | 0.1554% | 2,860 |
| Credit loss provision to net charge-offs | 1.3514% | 3,988 |
| Earnings coverage of net charge-offs (x) | 3.2973% | 3,435 |
| Efficiency ratio | 91.4804% | 935 |
| Assets per employee ($millions) | 3.0178% | 5,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7646% | 2,551 |
| Loan loss allowance to noncurrent loans | 49.8112% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 3.7568% | 977 |
| Noncurrent loans to loans | 3.5425% | 1,182 |
| Net loans and leases to total assets | 73.5766% | 1,317 |
| Net loans and leases to deposits | 89.0111% | 1,228 |
| Net loans and leases to core deposits | 92.8999% | 1,622 |
| Total domestic deposits to total assets | 82.6601% | 4,827 |
| Equity capital to assets | 8.2527% | 6,015 |
| Core capital (leverage) ratio | 8.4005% | 5,770 |
| Tier 1 risk-based capital ratio | 11.0737% | 6,300 |
| Total risk-based capital ratio | 12.3302% | 6,277 |
| Memoranda: |
| Average total assets | $130,576,670 | 4,128 |
| Average earning assets | $123,506,000 | 4,043 |
| Average equity | $10,784,670 | 4,768 |
| Average total loans | $95,211,000 | 3,604 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8762% | 4,565 |
| Cost of funding earning assets | 0.3241% | 5,770 |
| Net interest margin | 3.5521% | 3,468 |
| Noninterest income to average assets | 0.9100% | 1,724 |
| Noninterest expense to average assets | 3.9211% | 972 |
| Loan and lease loss provision to assets | 0.0031% | 4,384 |
| Net operating income to assets | 0.3329% | 5,432 |
| Return on assets (ROA) | 0.3329% | 5,569 |
| Pretax return on assets | 0.3329% | 5,766 |
| Return on Equity (ROE) | 4.0286% | 5,077 |
| Retained earnings to average equity (ytd only) | 4.0286% | 3,814 |
| Net charge-offs to loans | 0.2675% | 1,886 |
| Credit loss provision to net charge-offs | 1.5873% | 3,227 |
| Earnings coverage of net charge-offs (x) | 1.7460% | 3,253 |
| Efficiency ratio | 92.1090% | 968 |
| Assets per employee ($millions) | 2.9028% | 6,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8199% | 2,551 |
| Loan loss allowance to noncurrent loans | 43.4761% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 4.4095% | 850 |
| Noncurrent loans to loans | 4.1860% | 1,052 |
| Net loans and leases to total assets | 71.2837% | 1,476 |
| Net loans and leases to deposits | 85.8195% | 1,368 |
| Net loans and leases to core deposits | 89.5182% | 1,752 |
| Total domestic deposits to total assets | 83.0623% | 4,838 |
| Equity capital to assets | 8.3153% | 6,177 |
| Core capital (leverage) ratio | 8.4979% | 5,595 |
| Tier 1 risk-based capital ratio | 11.1933% | 6,316 |
| Total risk-based capital ratio | 12.4503% | 6,290 |
| Memoranda: |
| Average total assets | $130,983,000 | 4,163 |
| Average earning assets | $123,419,500 | 4,080 |
| Average equity | $10,822,500 | 4,803 |
| Average total loans | $94,221,000 | 3,645 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2241% | 4,495 |
| Cost of funding earning assets | 0.6570% | 3,857 |
| Net interest margin | 3.5671% | 4,236 |
| Noninterest income to average assets | 0.9687% | 1,637 |
| Noninterest expense to average assets | 4.4272% | 613 |
| Loan and lease loss provision to assets | 0.1807% | 3,370 |
| Net operating income to assets | -0.3159% | 6,456 |
| Return on assets (ROA) | -0.2697% | 6,475 |
| Pretax return on assets | -0.2682% | 6,461 |
| Return on Equity (ROE) | -3.4688% | 6,519 |
| Retained earnings to average equity (ytd only) | -3.4688% | 6,302 |
| Net charge-offs to loans | 0.6104% | 1,912 |
| Credit loss provision to net charge-offs | 41.3907% | 4,911 |
| Earnings coverage of net charge-offs (x) | -0.3063% | 5,616 |
| Efficiency ratio | 103.1150% | 460 |
| Assets per employee ($millions) | 2.7945% | 6,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9102% | 2,269 |
| Loan loss allowance to noncurrent loans | 34.1352% | 5,889 |
| Noncurrent assets plus other real estate owned to assets | 4.7883% | 834 |
| Noncurrent loans to loans | 5.5961% | 655 |
| Net loans and leases to total assets | 69.9048% | 1,859 |
| Net loans and leases to deposits | 85.9527% | 1,522 |
| Net loans and leases to core deposits | 89.4933% | 1,895 |
| Total domestic deposits to total assets | 81.3294% | 5,300 |
| Equity capital to assets | 8.2100% | 6,274 |
| Core capital (leverage) ratio | 8.4322% | 5,716 |
| Tier 1 risk-based capital ratio | 11.1999% | 6,274 |
| Total risk-based capital ratio | 12.4575% | 6,233 |
| Memoranda: |
| Average total assets | $138,326,400 | 3,980 |
| Average earning assets | $128,927,000 | 3,925 |
| Average equity | $10,753,000 | 4,804 |
| Average total loans | $98,945,400 | 3,550 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3048% | 4,435 |
| Cost of funding earning assets | 0.7364% | 3,468 |
| Net interest margin | 3.5684% | 4,361 |
| Noninterest income to average assets | 1.0604% | 1,342 |
| Noninterest expense to average assets | 4.4680% | 558 |
| Loan and lease loss provision to assets | 0.2380% | 2,670 |
| Net operating income to assets | -0.3312% | 6,599 |
| Return on assets (ROA) | -0.2703% | 6,617 |
| Pretax return on assets | -0.2684% | 6,583 |
| Return on Equity (ROE) | -3.5239% | 6,650 |
| Retained earnings to average equity (ytd only) | -3.5239% | 6,518 |
| Net charge-offs to loans | 0.6874% | 1,602 |
| Credit loss provision to net charge-offs | 48.3559% | 4,438 |
| Earnings coverage of net charge-offs (x) | -0.1857% | 5,405 |
| Efficiency ratio | 102.0879% | 478 |
| Assets per employee ($millions) | 2.6327% | 6,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9659% | 2,270 |
| Loan loss allowance to noncurrent loans | 28.3661% | 6,193 |
| Noncurrent assets plus other real estate owned to assets | 6.0624% | 654 |
| Noncurrent loans to loans | 6.9303% | 527 |
| Net loans and leases to total assets | 73.9915% | 1,249 |
| Net loans and leases to deposits | 90.5949% | 1,083 |
| Net loans and leases to core deposits | 94.4170% | 1,536 |
| Total domestic deposits to total assets | 81.6729% | 5,139 |
| Equity capital to assets | 8.4846% | 6,273 |
| Core capital (leverage) ratio | 8.5438% | 5,693 |
| Tier 1 risk-based capital ratio | 11.0037% | 6,480 |
| Total risk-based capital ratio | 12.2626% | 6,458 |
| Memoranda: |
| Average total assets | $140,073,000 | 3,985 |
| Average earning assets | $130,176,500 | 3,933 |
| Average equity | $10,745,500 | 4,863 |
| Average total loans | $100,281,500 | 3,548 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4051% | 4,168 |
| Cost of funding earning assets | 0.8631% | 2,704 |
| Net interest margin | 3.5420% | 4,496 |
| Noninterest income to average assets | 1.1947% | 998 |
| Noninterest expense to average assets | 4.4358% | 582 |
| Loan and lease loss provision to assets | 0.3457% | 1,900 |
| Net operating income to assets | -0.3042% | 6,619 |
| Return on assets (ROA) | -0.2544% | 6,644 |
| Pretax return on assets | -0.2517% | 6,615 |
| Return on Equity (ROE) | -3.4222% | 6,697 |
| Retained earnings to average equity (ytd only) | -3.4222% | 6,504 |
| Net charge-offs to loans | 0.2669% | 2,985 |
| Credit loss provision to net charge-offs | 183.8235% | 1,545 |
| Earnings coverage of net charge-offs (x) | 0.2353% | 4,954 |
| Efficiency ratio | 99.0123% | 593 |
| Assets per employee ($millions) | 2.6699% | 6,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3827% | 1,440 |
| Loan loss allowance to noncurrent loans | 38.9167% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 5.6083% | 786 |
| Noncurrent loans to loans | 6.1225% | 710 |
| Net loans and leases to total assets | 70.6512% | 1,795 |
| Net loans and leases to deposits | 86.0043% | 1,598 |
| Net loans and leases to core deposits | 88.8594% | 2,115 |
| Total domestic deposits to total assets | 82.1484% | 5,072 |
| Equity capital to assets | 8.2424% | 6,423 |
| Core capital (leverage) ratio | 7.3410% | 6,692 |
| Tier 1 risk-based capital ratio | 11.1050% | 6,447 |
| Total risk-based capital ratio | 12.3681% | 6,416 |
| Memoranda: |
| Average total assets | $144,640,670 | 3,927 |
| Average earning assets | $134,163,000 | 3,883 |
| Average equity | $10,753,330 | 4,868 |
| Average total loans | $101,916,000 | 3,515 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2552% | 4,908 |
| Cost of funding earning assets | 0.8094% | 3,399 |
| Net interest margin | 3.4457% | 4,928 |
| Noninterest income to average assets | 0.9212% | 1,662 |
| Noninterest expense to average assets | 4.1887% | 756 |
| Loan and lease loss provision to assets | 0.3299% | 1,898 |
| Net operating income to assets | -0.4065% | 6,776 |
| Return on assets (ROA) | -0.4065% | 6,811 |
| Pretax return on assets | -0.4065% | 6,787 |
| Return on Equity (ROE) | -5.7364% | 6,875 |
| Retained earnings to average equity (ytd only) | -5.7364% | 6,637 |
| Net charge-offs to loans | -0.2350% | 7,025 |
| Credit loss provision to net charge-offs | -201.6129% | 5,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8614% | 498 |
| Assets per employee ($millions) | 3.0920% | 5,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1876% | 1,907 |
| Loan loss allowance to noncurrent loans | 51.2431% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 3.9360% | 1,410 |
| Noncurrent loans to loans | 4.2690% | 1,403 |
| Net loans and leases to total assets | 67.3583% | 2,221 |
| Net loans and leases to deposits | 82.1424% | 1,922 |
| Net loans and leases to core deposits | 84.4903% | 2,483 |
| Total domestic deposits to total assets | 82.0019% | 5,295 |
| Equity capital to assets | 6.8648% | 6,959 |
| Core capital (leverage) ratio | 7.2164% | 6,756 |
| Tier 1 risk-based capital ratio | 9.7786% | 6,922 |
| Total risk-based capital ratio | 11.0395% | 6,922 |
| Memoranda: |
| Average total assets | $151,549,500 | 3,843 |
| Average earning assets | $140,347,500 | 3,806 |
| Average equity | $10,738,500 | 4,876 |
| Average total loans | $105,532,000 | 3,468 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8363% | 3,645 |
| Cost of funding earning assets | 1.1378% | 2,425 |
| Net interest margin | 3.6985% | 4,298 |
| Noninterest income to average assets | 0.9767% | 1,434 |
| Noninterest expense to average assets | 4.5535% | 558 |
| Loan and lease loss provision to assets | 0.6469% | 1,573 |
| Net operating income to assets | -0.8048% | 6,658 |
| Return on assets (ROA) | -0.4445% | 6,500 |
| Pretax return on assets | -0.4445% | 6,448 |
| Return on Equity (ROE) | -5.5880% | 6,559 |
| Retained earnings to average equity (ytd only) | -5.5880% | 6,485 |
| Net charge-offs to loans | 1.2145% | 1,383 |
| Credit loss provision to net charge-offs | 74.9396% | 4,675 |
| Earnings coverage of net charge-offs (x) | -0.1829% | 5,947 |
| Efficiency ratio | 103.5923% | 582 |
| Assets per employee ($millions) | 2.6052% | 6,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0478% | 2,133 |
| Loan loss allowance to noncurrent loans | 87.3573% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 2.6882% | 2,263 |
| Noncurrent loans to loans | 2.3442% | 2,801 |
| Net loans and leases to total assets | 68.9951% | 2,215 |
| Net loans and leases to deposits | 83.0539% | 2,063 |
| Net loans and leases to core deposits | 85.7180% | 2,669 |
| Total domestic deposits to total assets | 83.0726% | 4,721 |
| Equity capital to assets | 7.3159% | 6,872 |
| Core capital (leverage) ratio | 7.5684% | 6,613 |
| Tier 1 risk-based capital ratio | 10.0746% | 6,839 |
| Total risk-based capital ratio | 11.3335% | 6,820 |
| Memoranda: |
| Average total assets | $143,756,600 | 3,916 |
| Average earning assets | $132,892,200 | 3,871 |
| Average equity | $11,435,200 | 4,675 |
| Average total loans | $102,182,800 | 3,568 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8716% | 3,671 |
| Cost of funding earning assets | 1.1726% | 2,495 |
| Net interest margin | 3.6990% | 4,339 |
| Noninterest income to average assets | 1.0409% | 1,244 |
| Noninterest expense to average assets | 4.6553% | 499 |
| Loan and lease loss provision to assets | 0.3928% | 2,499 |
| Net operating income to assets | -0.5910% | 6,690 |
| Return on assets (ROA) | -0.1702% | 6,429 |
| Pretax return on assets | -0.1702% | 6,387 |
| Return on Equity (ROE) | -2.0959% | 6,488 |
| Retained earnings to average equity (ytd only) | -2.0959% | 6,310 |
| Net charge-offs to loans | 0.4699% | 2,855 |
| Credit loss provision to net charge-offs | 117.3184% | 2,781 |
| Earnings coverage of net charge-offs (x) | -0.5922% | 5,859 |
| Efficiency ratio | 104.4482% | 539 |
| Assets per employee ($millions) | 2.4811% | 6,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3526% | 1,613 |
| Loan loss allowance to noncurrent loans | 65.4437% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 3.6317% | 1,731 |
| Noncurrent loans to loans | 3.5948% | 1,911 |
| Net loans and leases to total assets | 73.8136% | 1,352 |
| Net loans and leases to deposits | 88.6432% | 1,360 |
| Net loans and leases to core deposits | 91.6150% | 2,042 |
| Total domestic deposits to total assets | 83.2705% | 4,575 |
| Equity capital to assets | 8.1013% | 6,637 |
| Core capital (leverage) ratio | 8.0346% | 6,364 |
| Tier 1 risk-based capital ratio | 10.3815% | 6,829 |
| Total risk-based capital ratio | 11.6444% | 6,804 |
| Memoranda: |
| Average total assets | $142,571,000 | 3,954 |
| Average earning assets | $131,671,500 | 3,923 |
| Average equity | $11,578,000 | 4,667 |
| Average total loans | $101,578,750 | 3,603 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8551% | 3,844 |
| Cost of funding earning assets | 1.1636% | 2,821 |
| Net interest margin | 3.6915% | 4,302 |
| Noninterest income to average assets | 1.0689% | 1,153 |
| Noninterest expense to average assets | 4.7624% | 453 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.2714% | 6,535 |
| Return on assets (ROA) | -0.1385% | 6,445 |
| Pretax return on assets | -0.1385% | 6,399 |
| Return on Equity (ROE) | -1.7042% | 6,485 |
| Retained earnings to average equity (ytd only) | -1.7042% | 6,197 |
| Net charge-offs to loans | 0.7835% | 1,934 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -0.4962% | 5,521 |
| Efficiency ratio | 106.0436% | 558 |
| Assets per employee ($millions) | 2.5609% | 6,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9811% | 2,423 |
| Loan loss allowance to noncurrent loans | 47.4459% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 3.7732% | 1,726 |
| Noncurrent loans to loans | 4.1756% | 1,634 |
| Net loans and leases to total assets | 71.1397% | 1,969 |
| Net loans and leases to deposits | 88.1139% | 1,484 |
| Net loans and leases to core deposits | 90.9034% | 2,269 |
| Total domestic deposits to total assets | 80.7361% | 5,609 |
| Equity capital to assets | 8.2339% | 6,487 |
| Core capital (leverage) ratio | 8.0759% | 6,199 |
| Tier 1 risk-based capital ratio | 10.6025% | 6,752 |
| Total risk-based capital ratio | 11.8611% | 6,740 |
| Memoranda: |
| Average total assets | $142,954,330 | 3,975 |
| Average earning assets | $132,521,330 | 3,935 |
| Average equity | $11,618,330 | 4,660 |
| Average total loans | $99,804,000 | 3,690 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8532% | 3,805 |
| Cost of funding earning assets | 1.1740% | 2,990 |
| Net interest margin | 3.6792% | 4,206 |
| Noninterest income to average assets | 1.1126% | 1,058 |
| Noninterest expense to average assets | 5.0250% | 358 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.5045% | 6,810 |
| Return on assets (ROA) | -0.5045% | 6,813 |
| Pretax return on assets | -0.5045% | 6,751 |
| Return on Equity (ROE) | -6.2481% | 6,878 |
| Retained earnings to average equity (ytd only) | -6.2481% | 6,612 |
| Net charge-offs to loans | -0.0778% | 7,013 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.1593% | 476 |
| Assets per employee ($millions) | 2.6142% | 6,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5366% | 1,410 |
| Loan loss allowance to noncurrent loans | 96.2617% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 2.6047% | 2,632 |
| Noncurrent loans to loans | 2.6351% | 2,864 |
| Net loans and leases to total assets | 68.5526% | 2,440 |
| Net loans and leases to deposits | 81.9547% | 2,374 |
| Net loans and leases to core deposits | 84.0565% | 3,151 |
| Total domestic deposits to total assets | 83.6469% | 4,643 |
| Equity capital to assets | 8.2718% | 6,196 |
| Core capital (leverage) ratio | 8.1132% | 6,109 |
| Tier 1 risk-based capital ratio | 11.1990% | 6,350 |
| Total risk-based capital ratio | 12.4634% | 6,308 |
| Memoranda: |
| Average total assets | $142,727,500 | 4,017 |
| Average earning assets | $132,201,500 | 3,973 |
| Average equity | $11,523,500 | 4,662 |
| Average total loans | $97,665,000 | 3,788 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1162% | 4,026 |
| Cost of funding earning assets | 1.5648% | 2,276 |
| Net interest margin | 3.5514% | 5,033 |
| Noninterest income to average assets | 0.4755% | 4,346 |
| Noninterest expense to average assets | 4.7994% | 498 |
| Loan and lease loss provision to assets | 0.2544% | 4,753 |
| Net operating income to assets | -1.3452% | 6,853 |
| Return on assets (ROA) | -1.3452% | 6,875 |
| Pretax return on assets | -1.3452% | 6,798 |
| Return on Equity (ROE) | -16.4824% | 6,962 |
| Retained earnings to average equity (ytd only) | -16.4824% | 6,929 |
| Net charge-offs to loans | 0.5278% | 3,514 |
| Credit loss provision to net charge-offs | 72.6744% | 5,800 |
| Earnings coverage of net charge-offs (x) | -3.1163% | 6,744 |
| Efficiency ratio | 129.4128% | 323 |
| Assets per employee ($millions) | 2.6232% | 6,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5063% | 1,402 |
| Loan loss allowance to noncurrent loans | 94.5279% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 2.6222% | 2,655 |
| Noncurrent loans to loans | 2.6513% | 2,866 |
| Net loans and leases to total assets | 64.9571% | 3,673 |
| Net loans and leases to deposits | 76.3902% | 3,783 |
| Net loans and leases to core deposits | 78.1968% | 4,439 |
| Total domestic deposits to total assets | 85.0334% | 3,835 |
| Equity capital to assets | 7.8870% | 6,597 |
| Core capital (leverage) ratio | 7.9091% | 6,306 |
| Tier 1 risk-based capital ratio | 11.3427% | 6,040 |
| Total risk-based capital ratio | 12.6068% | 6,025 |
| Memoranda: |
| Average total assets | $147,415,000 | 3,925 |
| Average earning assets | $134,201,200 | 3,924 |
| Average equity | $12,031,000 | 4,593 |
| Average total loans | $97,771,200 | 3,860 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1860% | 3,906 |
| Cost of funding earning assets | 1.6340% | 2,188 |
| Net interest margin | 3.5521% | 5,103 |
| Noninterest income to average assets | 0.9362% | 1,662 |
| Noninterest expense to average assets | 4.5310% | 567 |
| Loan and lease loss provision to assets | 0.2847% | 4,299 |
| Net operating income to assets | -0.6597% | 6,705 |
| Return on assets (ROA) | -0.6597% | 6,752 |
| Pretax return on assets | -0.6597% | 6,654 |
| Return on Equity (ROE) | -8.0159% | 6,836 |
| Retained earnings to average equity (ytd only) | -8.0159% | 6,770 |
| Net charge-offs to loans | 0.6275% | 2,864 |
| Credit loss provision to net charge-offs | 68.4783% | 5,458 |
| Earnings coverage of net charge-offs (x) | -0.9022% | 6,432 |
| Efficiency ratio | 109.0237% | 542 |
| Assets per employee ($millions) | 2.5874% | 6,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5105% | 1,311 |
| Loan loss allowance to noncurrent loans | 104.4795% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 3.3688% | 2,115 |
| Noncurrent loans to loans | 2.4029% | 3,232 |
| Net loans and leases to total assets | 66.8281% | 3,504 |
| Net loans and leases to deposits | 78.9666% | 3,641 |
| Net loans and leases to core deposits | 80.5572% | 4,434 |
| Total domestic deposits to total assets | 84.6283% | 3,813 |
| Equity capital to assets | 9.0839% | 5,468 |
| Core capital (leverage) ratio | 8.6421% | 5,281 |
| Tier 1 risk-based capital ratio | 12.0631% | 5,404 |
| Total risk-based capital ratio | 13.3269% | 5,361 |
| Memoranda: |
| Average total assets | $147,543,750 | 3,971 |
| Average earning assets | $133,740,500 | 3,993 |
| Average equity | $12,142,250 | 4,639 |
| Average total loans | $97,745,250 | 3,924 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1883% | 4,011 |
| Cost of funding earning assets | 1.7112% | 2,062 |
| Net interest margin | 3.4771% | 5,332 |
| Noninterest income to average assets | 1.1360% | 1,012 |
| Noninterest expense to average assets | 4.2294% | 783 |
| Loan and lease loss provision to assets | 0.3416% | 3,688 |
| Net operating income to assets | -0.2854% | 6,458 |
| Return on assets (ROA) | -0.2854% | 6,506 |
| Pretax return on assets | -0.2854% | 6,411 |
| Return on Equity (ROE) | -3.5857% | 6,579 |
| Retained earnings to average equity (ytd only) | -3.5857% | 6,384 |
| Net charge-offs to loans | 0.6789% | 2,519 |
| Credit loss provision to net charge-offs | 76.8072% | 4,797 |
| Earnings coverage of net charge-offs (x) | 0.1265% | 5,595 |
| Efficiency ratio | 98.6871% | 853 |
| Assets per employee ($millions) | 2.6727% | 6,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5696% | 1,225 |
| Loan loss allowance to noncurrent loans | 136.2013% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 3.5656% | 1,972 |
| Noncurrent loans to loans | 1.8866% | 3,880 |
| Net loans and leases to total assets | 66.1255% | 3,806 |
| Net loans and leases to deposits | 79.0627% | 3,785 |
| Net loans and leases to core deposits | 80.6448% | 4,609 |
| Total domestic deposits to total assets | 83.6368% | 4,274 |
| Equity capital to assets | 9.1925% | 5,155 |
| Core capital (leverage) ratio | 8.8292% | 4,865 |
| Tier 1 risk-based capital ratio | 12.4064% | 4,940 |
| Total risk-based capital ratio | 13.6707% | 4,905 |
| Memoranda: |
| Average total assets | $149,289,330 | 3,963 |
| Average earning assets | $135,227,670 | 3,996 |
| Average equity | $11,880,670 | 4,713 |
| Average total loans | $97,810,330 | 3,969 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1162% | 4,456 |
| Cost of funding earning assets | 1.7798% | 1,969 |
| Net interest margin | 3.3364% | 5,838 |
| Noninterest income to average assets | 1.3810% | 635 |
| Noninterest expense to average assets | 4.0851% | 923 |
| Loan and lease loss provision to assets | 0.5139% | 2,442 |
| Net operating income to assets | -0.1845% | 6,527 |
| Return on assets (ROA) | -0.1845% | 6,599 |
| Pretax return on assets | -0.1845% | 6,542 |
| Return on Equity (ROE) | -2.5028% | 6,694 |
| Retained earnings to average equity (ytd only) | -2.5028% | 6,292 |
| Net charge-offs to loans | 1.2891% | 1,329 |
| Credit loss provision to net charge-offs | 61.9048% | 4,265 |
| Earnings coverage of net charge-offs (x) | 0.3968% | 4,680 |
| Efficiency ratio | 92.5373% | 1,245 |
| Assets per employee ($millions) | 2.7179% | 6,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5518% | 1,231 |
| Loan loss allowance to noncurrent loans | 86.6246% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 4.2579% | 1,601 |
| Noncurrent loans to loans | 2.9458% | 2,730 |
| Net loans and leases to total assets | 64.3748% | 4,248 |
| Net loans and leases to deposits | 75.9453% | 4,427 |
| Net loans and leases to core deposits | 78.0515% | 5,015 |
| Total domestic deposits to total assets | 84.7647% | 3,774 |
| Equity capital to assets | 8.0980% | 6,542 |
| Core capital (leverage) ratio | 7.8354% | 6,456 |
| Tier 1 risk-based capital ratio | 11.4009% | 5,764 |
| Total risk-based capital ratio | 12.6656% | 5,725 |
| Memoranda: |
| Average total assets | $151,772,000 | 3,983 |
| Average earning assets | $137,992,000 | 3,998 |
| Average equity | $11,187,500 | 4,925 |
| Average total loans | $97,739,500 | 4,031 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4247% | 4,566 |
| Cost of funding earning assets | 2.6185% | 737 |
| Net interest margin | 2.8061% | 7,050 |
| Noninterest income to average assets | 0.3647% | 5,479 |
| Noninterest expense to average assets | 4.5604% | 751 |
| Loan and lease loss provision to assets | 0.7636% | 2,823 |
| Net operating income to assets | -2.5490% | 7,281 |
| Return on assets (ROA) | -3.0406% | 7,412 |
| Pretax return on assets | -2.9655% | 7,283 |
| Return on Equity (ROE) | -43.4076% | 7,615 |
| Retained earnings to average equity (ytd only) | -43.4076% | 7,600 |
| Net charge-offs to loans | 1.5917% | 1,584 |
| Credit loss provision to net charge-offs | 78.8948% | 6,311 |
| Earnings coverage of net charge-offs (x) | -1.7672% | 6,987 |
| Efficiency ratio | 160.0120% | 252 |
| Assets per employee ($millions) | 3.0150% | 6,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6328% | 1,090 |
| Loan loss allowance to noncurrent loans | 74.7550% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 4.2678% | 1,536 |
| Noncurrent loans to loans | 3.5219% | 2,157 |
| Net loans and leases to total assets | 61.1889% | 5,160 |
| Net loans and leases to deposits | 70.7672% | 5,499 |
| Net loans and leases to core deposits | 93.8192% | 4,690 |
| Total domestic deposits to total assets | 86.4651% | 2,780 |
| Equity capital to assets | 6.6909% | 7,507 |
| Core capital (leverage) ratio | 6.5853% | 7,454 |
| Tier 1 risk-based capital ratio | 10.3550% | 6,535 |
| Total risk-based capital ratio | 11.6208% | 6,488 |
| Memoranda: |
| Average total assets | $175,752,400 | 3,511 |
| Average earning assets | $155,659,800 | 3,604 |
| Average equity | $12,311,200 | 4,680 |
| Average total loans | $106,868,400 | 3,757 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4393% | 4,747 |
| Cost of funding earning assets | 2.7536% | 682 |
| Net interest margin | 2.6856% | 7,238 |
| Noninterest income to average assets | 0.8214% | 2,326 |
| Noninterest expense to average assets | 4.5717% | 680 |
| Loan and lease loss provision to assets | 0.6020% | 2,985 |
| Net operating income to assets | -2.0868% | 7,353 |
| Return on assets (ROA) | -2.3660% | 7,424 |
| Pretax return on assets | -2.2685% | 7,270 |
| Return on Equity (ROE) | -33.4513% | 7,670 |
| Retained earnings to average equity (ytd only) | -33.4513% | 7,663 |
| Net charge-offs to loans | 1.6533% | 1,228 |
| Credit loss provision to net charge-offs | 60.3257% | 6,165 |
| Earnings coverage of net charge-offs (x) | -1.3901% | 6,690 |
| Efficiency ratio | 143.5630% | 350 |
| Assets per employee ($millions) | 3.2890% | 5,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3585% | 1,224 |
| Loan loss allowance to noncurrent loans | 74.6448% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 4.4630% | 1,377 |
| Noncurrent loans to loans | 3.1596% | 2,393 |
| Net loans and leases to total assets | 58.5067% | 5,809 |
| Net loans and leases to deposits | 67.7766% | 6,144 |
| Net loans and leases to core deposits | 95.9294% | 4,825 |
| Total domestic deposits to total assets | 86.3229% | 2,526 |
| Equity capital to assets | 7.2081% | 7,484 |
| Core capital (leverage) ratio | 7.1247% | 7,339 |
| Tier 1 risk-based capital ratio | 10.8264% | 6,127 |
| Total risk-based capital ratio | 12.0859% | 6,081 |
| Memoranda: |
| Average total assets | $180,495,500 | 3,459 |
| Average earning assets | $158,816,500 | 3,566 |
| Average equity | $12,766,500 | 4,592 |
| Average total loans | $108,954,000 | 3,753 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5133% | 4,548 |
| Cost of funding earning assets | 2.8532% | 683 |
| Net interest margin | 2.6601% | 7,284 |
| Noninterest income to average assets | 0.8658% | 2,115 |
| Noninterest expense to average assets | 4.1503% | 1,129 |
| Loan and lease loss provision to assets | 0.7079% | 2,308 |
| Net operating income to assets | -1.8252% | 7,376 |
| Return on assets (ROA) | -1.6869% | 7,315 |
| Pretax return on assets | -1.5431% | 7,108 |
| Return on Equity (ROE) | -23.9919% | 7,608 |
| Retained earnings to average equity (ytd only) | -23.9919% | 7,572 |
| Net charge-offs to loans | 1.9332% | 966 |
| Credit loss provision to net charge-offs | 60.5214% | 5,580 |
| Earnings coverage of net charge-offs (x) | -0.8324% | 6,188 |
| Efficiency ratio | 130.6479% | 522 |
| Assets per employee ($millions) | 4.6064% | 2,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3642% | 1,030 |
| Loan loss allowance to noncurrent loans | 85.3815% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 4.8327% | 1,132 |
| Noncurrent loans to loans | 2.7689% | 2,601 |
| Net loans and leases to total assets | 58.1366% | 5,945 |
| Net loans and leases to deposits | 66.9146% | 6,306 |
| Net loans and leases to core deposits | 97.8242% | 4,722 |
| Total domestic deposits to total assets | 86.8818% | 2,315 |
| Equity capital to assets | 7.1711% | 7,503 |
| Core capital (leverage) ratio | 7.3553% | 7,185 |
| Tier 1 risk-based capital ratio | 11.0903% | 5,785 |
| Total risk-based capital ratio | 12.3504% | 5,693 |
| Memoranda: |
| Average total assets | $183,650,670 | 3,427 |
| Average earning assets | $159,540,670 | 3,566 |
| Average equity | $12,912,670 | 4,569 |
| Average total loans | $111,111,670 | 3,739 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6133% | 4,276 |
| Cost of funding earning assets | 2.9089% | 751 |
| Net interest margin | 2.7043% | 7,196 |
| Noninterest income to average assets | 1.0794% | 1,285 |
| Noninterest expense to average assets | 3.8847% | 1,327 |
| Loan and lease loss provision to assets | 0.2629% | 3,855 |
| Net operating income to assets | -0.7326% | 7,084 |
| Return on assets (ROA) | -0.4395% | 6,886 |
| Pretax return on assets | -0.4395% | 6,775 |
| Return on Equity (ROE) | -6.3121% | 7,090 |
| Retained earnings to average equity (ytd only) | -6.3121% | 6,722 |
| Net charge-offs to loans | 1.9544% | 739 |
| Credit loss provision to net charge-offs | 22.0615% | 5,052 |
| Earnings coverage of net charge-offs (x) | -0.3942% | 5,214 |
| Efficiency ratio | 113.7539% | 737 |
| Assets per employee ($millions) | 4.3209% | 3,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2793% | 972 |
| Loan loss allowance to noncurrent loans | 46.8948% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 5.0766% | 888 |
| Noncurrent loans to loans | 4.8604% | 1,127 |
| Net loans and leases to total assets | 59.5810% | 5,721 |
| Net loans and leases to deposits | 68.2827% | 6,155 |
| Net loans and leases to core deposits | 103.5263% | 4,186 |
| Total domestic deposits to total assets | 87.2564% | 2,089 |
| Equity capital to assets | 6.9396% | 7,709 |
| Core capital (leverage) ratio | 7.0887% | 7,569 |
| Tier 1 risk-based capital ratio | 10.5524% | 6,340 |
| Total risk-based capital ratio | 11.8120% | 6,242 |
| Memoranda: |
| Average total assets | $185,650,500 | 3,414 |
| Average earning assets | $160,334,500 | 3,562 |
| Average equity | $12,927,500 | 4,599 |
| Average total loans | $113,181,500 | 3,719 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7048% | 6,761 |
| Cost of funding earning assets | 3.1988% | 1,197 |
| Net interest margin | 2.5060% | 7,746 |
| Noninterest income to average assets | -0.2549% | 8,233 |
| Noninterest expense to average assets | 3.4130% | 2,636 |
| Loan and lease loss provision to assets | 2.3111% | 483 |
| Net operating income to assets | -3.9185% | 7,975 |
| Return on assets (ROA) | -5.8469% | 8,135 |
| Pretax return on assets | -5.7013% | 8,078 |
| Return on Equity (ROE) | -51.3346% | 8,161 |
| Retained earnings to average equity (ytd only) | -51.3346% | 8,144 |
| Net charge-offs to loans | 4.0079% | 163 |
| Credit loss provision to net charge-offs | 106.0606% | 5,050 |
| Earnings coverage of net charge-offs (x) | -0.6709% | 6,531 |
| Efficiency ratio | 174.9272% | 266 |
| Assets per employee ($millions) | 4.8105% | 2,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1225% | 1,037 |
| Loan loss allowance to noncurrent loans | 56.6689% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 2.9430% | 1,571 |
| Noncurrent loans to loans | 3.7455% | 1,336 |
| Net loans and leases to total assets | 57.3114% | 6,305 |
| Net loans and leases to deposits | 71.3975% | 6,124 |
| Net loans and leases to core deposits | 110.3290% | 3,744 |
| Total domestic deposits to total assets | 80.2708% | 4,920 |
| Equity capital to assets | 7.7479% | 7,156 |
| Core capital (leverage) ratio | 7.3783% | 7,327 |
| Tier 1 risk-based capital ratio | 12.4871% | 4,447 |
| Total risk-based capital ratio | 13.7461% | 4,342 |
| Memoranda: |
| Average total assets | $140,844,400 | 4,065 |
| Average earning assets | $123,983,000 | 4,173 |
| Average equity | $16,041,800 | 3,921 |
| Average total loans | $76,574,400 | 4,631 |
