| 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 | 4.5797% | 1,633 |
| Cost of funding earning assets | 1.3028% | 84 |
| Net interest margin | 3.2769% | 4,246 |
| Noninterest income to average assets | 0.4393% | 3,188 |
| Noninterest expense to average assets | 2.6096% | 3,311 |
| Loan and lease loss provision to assets | 0.0038% | 3,464 |
| Net operating income to assets | 0.9950% | 2,874 |
| Return on assets (ROA) | 0.9950% | 2,897 |
| Pretax return on assets | 0.9049% | 3,833 |
| Return on Equity (ROE) | 9.7592% | 2,559 |
| Retained earnings to average equity (ytd only) | 9.7592% | 1,237 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1729% | 1,875 |
| Assets per employee ($millions) | 5.4092% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5051% | 1,448 |
| Loan loss allowance to noncurrent loans | 3,030.0000% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 4,925 |
| Noncurrent loans to loans | 0.0497% | 4,757 |
| Net loans and leases to total assets | 73.3131% | 1,980 |
| Net loans and leases to deposits | 100.9097% | 645 |
| Net loans and leases to core deposits | 107.3161% | 1,163 |
| Total domestic deposits to total assets | 72.6521% | 5,241 |
| Equity capital to assets | 10.1623% | 3,435 |
| Core capital (leverage) ratio | 10.1761% | 3,332 |
| Tier 1 risk-based capital ratio | 13.5688% | 3,620 |
| Total risk-based capital ratio | 14.8215% | 3,525 |
| Memoranda: |
| Average total assets | $106,528,000 | 4,114 |
| Average earning assets | $100,093,500 | 4,098 |
| Average equity | $10,861,500 | 4,295 |
| Average total loans | $82,188,500 | 3,710 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8617% | 868 |
| Cost of funding earning assets | 1.1884% | 77 |
| Net interest margin | 3.6733% | 2,900 |
| Noninterest income to average assets | 0.5403% | 2,773 |
| Noninterest expense to average assets | 2.8693% | 2,554 |
| Loan and lease loss provision to assets | 0.2310% | 841 |
| Net operating income to assets | 0.8537% | 2,940 |
| Return on assets (ROA) | 0.8537% | 2,962 |
| Pretax return on assets | 0.8618% | 4,043 |
| Return on Equity (ROE) | 8.5798% | 2,506 |
| Retained earnings to average equity (ytd only) | 8.5798% | 595 |
| Net charge-offs to loans | 0.0170% | 3,529 |
| Credit loss provision to net charge-offs | 1,746.1538% | 217 |
| Earnings coverage of net charge-offs (x) | 82.6154% | 751 |
| Efficiency ratio | 72.4191% | 2,160 |
| Assets per employee ($millions) | 5.5196% | 1,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4442% | 1,602 |
| Loan loss allowance to noncurrent loans | 1,985.2459% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 4,840 |
| Noncurrent loans to loans | 0.0727% | 4,674 |
| Net loans and leases to total assets | 78.8018% | 1,158 |
| Net loans and leases to deposits | 110.7669% | 248 |
| Net loans and leases to core deposits | 118.1886% | 646 |
| Total domestic deposits to total assets | 71.1420% | 5,355 |
| Equity capital to assets | 10.2306% | 3,458 |
| Core capital (leverage) ratio | 10.2583% | 3,119 |
| Tier 1 risk-based capital ratio | 13.1985% | 3,792 |
| Total risk-based capital ratio | 14.4513% | 3,713 |
| Memoranda: |
| Average total assets | $98,281,400 | 4,269 |
| Average earning assets | $91,552,800 | 4,256 |
| Average equity | $9,778,800 | 4,489 |
| Average total loans | $76,512,400 | 3,808 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8216% | 887 |
| Cost of funding earning assets | 1.1561% | 82 |
| Net interest margin | 3.6656% | 2,889 |
| Noninterest income to average assets | 0.5464% | 2,744 |
| Noninterest expense to average assets | 2.8768% | 2,487 |
| Loan and lease loss provision to assets | 0.2704% | 608 |
| Net operating income to assets | 0.7961% | 3,536 |
| Return on assets (ROA) | 0.7961% | 3,584 |
| Pretax return on assets | 0.8072% | 4,331 |
| Return on Equity (ROE) | 8.0630% | 3,094 |
| Retained earnings to average equity (ytd only) | 8.0630% | 1,193 |
| Net charge-offs to loans | 0.0214% | 3,047 |
| Credit loss provision to net charge-offs | 1,633.3333% | 235 |
| Earnings coverage of net charge-offs (x) | 65.0819% | 946 |
| Efficiency ratio | 72.7495% | 2,084 |
| Assets per employee ($millions) | 5.4151% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4822% | 1,600 |
| Loan loss allowance to noncurrent loans | 2,880.4878% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 5,034 |
| Noncurrent loans to loans | 0.0515% | 4,880 |
| Net loans and leases to total assets | 76.2971% | 1,538 |
| Net loans and leases to deposits | 106.3715% | 401 |
| Net loans and leases to core deposits | 113.1240% | 885 |
| Total domestic deposits to total assets | 71.7270% | 5,394 |
| Equity capital to assets | 10.1734% | 3,722 |
| Core capital (leverage) ratio | 10.0200% | 3,544 |
| Tier 1 risk-based capital ratio | 13.7943% | 3,530 |
| Total risk-based capital ratio | 15.0480% | 3,463 |
| Memoranda: |
| Average total assets | $96,633,750 | 4,338 |
| Average earning assets | $89,842,750 | 4,337 |
| Average equity | $9,541,250 | 4,566 |
| Average total loans | $74,677,500 | 3,884 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7009% | 1,057 |
| Cost of funding earning assets | 1.0824% | 108 |
| Net interest margin | 3.6186% | 2,958 |
| Noninterest income to average assets | 0.5267% | 2,850 |
| Noninterest expense to average assets | 2.8049% | 2,740 |
| Loan and lease loss provision to assets | 0.2115% | 843 |
| Net operating income to assets | 0.8525% | 3,145 |
| Return on assets (ROA) | 0.8525% | 3,195 |
| Pretax return on assets | 0.8694% | 4,040 |
| Return on Equity (ROE) | 8.7299% | 2,647 |
| Retained earnings to average equity (ytd only) | 8.7299% | 926 |
| Net charge-offs to loans | 0.0329% | 2,539 |
| Credit loss provision to net charge-offs | 833.3333% | 441 |
| Earnings coverage of net charge-offs (x) | 42.5833% | 1,203 |
| Efficiency ratio | 72.1829% | 2,305 |
| Assets per employee ($millions) | 5.1287% | 2,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3888% | 1,995 |
| Loan loss allowance to noncurrent loans | 2,855.2632% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 5,110 |
| Noncurrent loans to loans | 0.0486% | 4,950 |
| Net loans and leases to total assets | 75.1055% | 1,683 |
| Net loans and leases to deposits | 107.9568% | 319 |
| Net loans and leases to core deposits | 114.3676% | 784 |
| Total domestic deposits to total assets | 69.5700% | 5,552 |
| Equity capital to assets | 9.4499% | 4,454 |
| Core capital (leverage) ratio | 10.0596% | 3,456 |
| Tier 1 risk-based capital ratio | 12.9554% | 4,027 |
| Total risk-based capital ratio | 14.2084% | 3,944 |
| Memoranda: |
| Average total assets | $94,549,670 | 4,402 |
| Average earning assets | $87,769,670 | 4,404 |
| Average equity | $9,232,670 | 4,641 |
| Average total loans | $73,010,000 | 3,948 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6792% | 970 |
| Cost of funding earning assets | 1.0494% | 131 |
| Net interest margin | 3.6299% | 2,780 |
| Noninterest income to average assets | 0.5567% | 2,628 |
| Noninterest expense to average assets | 2.8761% | 2,530 |
| Loan and lease loss provision to assets | 0.1237% | 1,554 |
| Net operating income to assets | 0.8836% | 2,845 |
| Return on assets (ROA) | 0.8836% | 2,896 |
| Pretax return on assets | 0.9190% | 3,695 |
| Return on Equity (ROE) | 8.8864% | 2,468 |
| Retained earnings to average equity (ytd only) | 8.8864% | 1,119 |
| Net charge-offs to loans | 0.0681% | 1,648 |
| Credit loss provision to net charge-offs | 233.3333% | 925 |
| Earnings coverage of net charge-offs (x) | 19.6667% | 1,517 |
| Efficiency ratio | 73.3935% | 2,343 |
| Assets per employee ($millions) | 4.9048% | 2,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3810% | 2,160 |
| Loan loss allowance to noncurrent loans | 2,302.2727% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 4,850 |
| Noncurrent loans to loans | 0.0600% | 4,960 |
| Net loans and leases to total assets | 77.6225% | 1,177 |
| Net loans and leases to deposits | 108.3975% | 253 |
| Net loans and leases to core deposits | 113.4999% | 702 |
| Total domestic deposits to total assets | 71.6092% | 5,564 |
| Equity capital to assets | 9.8614% | 3,916 |
| Core capital (leverage) ratio | 10.1261% | 3,342 |
| Tier 1 risk-based capital ratio | 13.0699% | 4,041 |
| Total risk-based capital ratio | 14.3220% | 3,940 |
| Memoranda: |
| Average total assets | $90,538,000 | 4,531 |
| Average earning assets | $83,860,000 | 4,509 |
| Average equity | $9,002,500 | 4,718 |
| Average total loans | $70,453,500 | 4,039 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6874% | 1,081 |
| Cost of funding earning assets | 1.0794% | 109 |
| Net interest margin | 3.6081% | 3,046 |
| Noninterest income to average assets | 0.7204% | 2,076 |
| Noninterest expense to average assets | 2.9832% | 2,395 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0751% | 2,011 |
| Return on assets (ROA) | 1.0751% | 2,111 |
| Pretax return on assets | 1.0654% | 3,240 |
| Return on Equity (ROE) | 10.4283% | 1,794 |
| Retained earnings to average equity (ytd only) | 10.4283% | 360 |
| Net charge-offs to loans | 0.0112% | 3,895 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 124.4286% | 489 |
| Efficiency ratio | 73.6858% | 2,325 |
| Assets per employee ($millions) | 4.3942% | 3,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4758% | 1,773 |
| Loan loss allowance to noncurrent loans | 882.3009% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.3903% | 3,708 |
| Noncurrent loans to loans | 0.1673% | 4,562 |
| Net loans and leases to total assets | 75.7351% | 1,553 |
| Net loans and leases to deposits | 105.8592% | 347 |
| Net loans and leases to core deposits | 109.8442% | 913 |
| Total domestic deposits to total assets | 71.5432% | 5,591 |
| Equity capital to assets | 10.0303% | 3,692 |
| Core capital (leverage) ratio | 10.4831% | 2,892 |
| Tier 1 risk-based capital ratio | 13.4317% | 3,813 |
| Total risk-based capital ratio | 14.6860% | 3,710 |
| Memoranda: |
| Average total assets | $81,757,000 | 4,702 |
| Average earning assets | $75,414,200 | 4,691 |
| Average equity | $8,429,000 | 4,860 |
| Average total loans | $62,241,400 | 4,220 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7403% | 997 |
| Cost of funding earning assets | 1.0913% | 101 |
| Net interest margin | 3.6490% | 2,893 |
| Noninterest income to average assets | 0.7662% | 1,911 |
| Noninterest expense to average assets | 2.8802% | 2,703 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2614% | 1,415 |
| Return on assets (ROA) | 1.2614% | 1,514 |
| Pretax return on assets | 1.2481% | 2,626 |
| Return on Equity (ROE) | 12.1449% | 1,274 |
| Retained earnings to average equity (ytd only) | 12.1449% | 286 |
| Net charge-offs to loans | -0.0044% | 4,595 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7665% | 2,919 |
| Assets per employee ($millions) | 4.5909% | 2,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6021% | 1,460 |
| Loan loss allowance to noncurrent loans | 986.2745% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.3642% | 3,960 |
| Noncurrent loans to loans | 0.1624% | 4,704 |
| Net loans and leases to total assets | 74.7677% | 1,745 |
| Net loans and leases to deposits | 106.6472% | 356 |
| Net loans and leases to core deposits | 111.0762% | 861 |
| Total domestic deposits to total assets | 70.1075% | 5,687 |
| Equity capital to assets | 10.5220% | 3,540 |
| Core capital (leverage) ratio | 10.5489% | 2,938 |
| Tier 1 risk-based capital ratio | 13.7039% | 3,739 |
| Total risk-based capital ratio | 14.9586% | 3,652 |
| Memoranda: |
| Average total assets | $80,225,250 | 4,772 |
| Average earning assets | $73,917,750 | 4,759 |
| Average equity | $8,332,500 | 4,931 |
| Average total loans | $60,912,750 | 4,296 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7219% | 1,003 |
| Cost of funding earning assets | 1.0752% | 101 |
| Net interest margin | 3.6468% | 2,908 |
| Noninterest income to average assets | 0.7152% | 2,068 |
| Noninterest expense to average assets | 2.7448% | 3,218 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3472% | 1,174 |
| Return on assets (ROA) | 1.3472% | 1,243 |
| Pretax return on assets | 1.3271% | 2,298 |
| Return on Equity (ROE) | 13.0302% | 1,021 |
| Retained earnings to average equity (ytd only) | 13.0302% | 235 |
| Net charge-offs to loans | -0.0066% | 4,593 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4088% | 3,467 |
| Assets per employee ($millions) | 5.3344% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6730% | 1,334 |
| Loan loss allowance to noncurrent loans | 958.0952% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.3924% | 3,923 |
| Noncurrent loans to loans | 0.1746% | 4,736 |
| Net loans and leases to total assets | 73.8940% | 1,863 |
| Net loans and leases to deposits | 108.2001% | 296 |
| Net loans and leases to core deposits | 112.9736% | 772 |
| Total domestic deposits to total assets | 68.2938% | 5,835 |
| Equity capital to assets | 10.5866% | 3,544 |
| Core capital (leverage) ratio | 10.5703% | 2,883 |
| Tier 1 risk-based capital ratio | 14.5005% | 3,319 |
| Total risk-based capital ratio | 15.7569% | 3,243 |
| Memoranda: |
| Average total assets | $79,421,670 | 4,830 |
| Average earning assets | $73,105,670 | 4,817 |
| Average equity | $8,211,670 | 4,992 |
| Average total loans | $60,286,670 | 4,336 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8730% | 729 |
| Cost of funding earning assets | 1.0615% | 111 |
| Net interest margin | 3.8115% | 2,253 |
| Noninterest income to average assets | 0.6167% | 2,431 |
| Noninterest expense to average assets | 2.6844% | 3,477 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4762% | 897 |
| Return on assets (ROA) | 1.4762% | 940 |
| Pretax return on assets | 1.4357% | 1,790 |
| Return on Equity (ROE) | 14.4519% | 755 |
| Retained earnings to average equity (ytd only) | 14.4519% | 286 |
| Net charge-offs to loans | -0.0066% | 4,379 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1534% | 3,949 |
| Assets per employee ($millions) | 5.8225% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6561% | 1,465 |
| Loan loss allowance to noncurrent loans | 948.1132% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.3962% | 4,007 |
| Noncurrent loans to loans | 0.1747% | 4,786 |
| Net loans and leases to total assets | 73.2123% | 1,851 |
| Net loans and leases to deposits | 104.9559% | 370 |
| Net loans and leases to core deposits | 109.3964% | 882 |
| Total domestic deposits to total assets | 69.7553% | 5,876 |
| Equity capital to assets | 10.0938% | 3,958 |
| Core capital (leverage) ratio | 10.3894% | 3,086 |
| Tier 1 risk-based capital ratio | 14.2109% | 3,560 |
| Total risk-based capital ratio | 15.4665% | 3,487 |
| Memoranda: |
| Average total assets | $79,124,500 | 4,875 |
| Average earning assets | $72,727,500 | 4,865 |
| Average equity | $8,082,000 | 5,045 |
| Average total loans | $60,363,500 | 4,357 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7626% | 987 |
| Cost of funding earning assets | 1.1209% | 87 |
| Net interest margin | 3.6417% | 2,974 |
| Noninterest income to average assets | 0.7894% | 1,829 |
| Noninterest expense to average assets | 2.7424% | 3,437 |
| Loan and lease loss provision to assets | -1.1002% | 6,176 |
| Net operating income to assets | 2.4756% | 157 |
| Return on assets (ROA) | 2.4756% | 161 |
| Pretax return on assets | 2.4673% | 218 |
| Return on Equity (ROE) | 24.4925% | 113 |
| Retained earnings to average equity (ytd only) | 15.8657% | 118 |
| Net charge-offs to loans | -1.1571% | 6,131 |
| Credit loss provision to net charge-offs | 122.3242% | 2,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7336% | 3,790 |
| Assets per employee ($millions) | 5.9026% | 1,457 |
| Cash dividends to net income (ytd only)* | 35.2222% | 3,090 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6721% | 1,412 |
| Loan loss allowance to noncurrent loans | 1,455.0725% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.3844% | 4,057 |
| Noncurrent loans to loans | 0.1149% | 5,038 |
| Net loans and leases to total assets | 76.9398% | 1,262 |
| Net loans and leases to deposits | 107.4198% | 314 |
| Net loans and leases to core deposits | 112.2329% | 757 |
| Total domestic deposits to total assets | 71.6254% | 5,817 |
| Equity capital to assets | 10.3422% | 3,576 |
| Core capital (leverage) ratio | 10.3303% | 3,125 |
| Tier 1 risk-based capital ratio | 14.2546% | 3,577 |
| Total risk-based capital ratio | 15.5124% | 3,484 |
| Memoranda: |
| Average total assets | $72,711,000 | 5,023 |
| Average earning assets | $66,287,400 | 5,034 |
| Average equity | $7,349,200 | 5,180 |
| Average total loans | $56,521,400 | 4,484 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6494% | 1,211 |
| Cost of funding earning assets | 1.1276% | 85 |
| Net interest margin | 3.5218% | 3,457 |
| Noninterest income to average assets | 0.6192% | 2,638 |
| Noninterest expense to average assets | 2.6590% | 3,688 |
| Loan and lease loss provision to assets | -1.4875% | 6,264 |
| Net operating income to assets | 2.6645% | 129 |
| Return on assets (ROA) | 2.6645% | 132 |
| Pretax return on assets | 2.6534% | 190 |
| Return on Equity (ROE) | 26.5272% | 89 |
| Retained earnings to average equity (ytd only) | 14.7908% | 174 |
| Net charge-offs to loans | -1.5887% | 6,220 |
| Credit loss provision to net charge-offs | 120.6637% | 1,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5187% | 3,289 |
| Assets per employee ($millions) | 6.9094% | 901 |
| Cash dividends to net income (ytd only)* | 44.2427% | 2,126 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7222% | 1,420 |
| Loan loss allowance to noncurrent loans | 1,607.9365% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.4158% | 4,113 |
| Noncurrent loans to loans | 0.1071% | 5,206 |
| Net loans and leases to total assets | 76.0588% | 1,382 |
| Net loans and leases to deposits | 110.0185% | 254 |
| Net loans and leases to core deposits | 115.1373% | 630 |
| Total domestic deposits to total assets | 69.1328% | 6,002 |
| Equity capital to assets | 9.9588% | 4,208 |
| Core capital (leverage) ratio | 10.2393% | 3,319 |
| Tier 1 risk-based capital ratio | 13.9100% | 3,900 |
| Total risk-based capital ratio | 15.1677% | 3,837 |
| Memoranda: |
| Average total assets | $71,705,250 | 5,112 |
| Average earning assets | $65,268,500 | 5,115 |
| Average equity | $7,202,500 | 5,279 |
| Average total loans | $55,641,000 | 4,550 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6363% | 1,199 |
| Cost of funding earning assets | 1.1152% | 88 |
| Net interest margin | 3.5211% | 3,410 |
| Noninterest income to average assets | 0.6233% | 2,610 |
| Noninterest expense to average assets | 2.6639% | 3,710 |
| Loan and lease loss provision to assets | -2.2768% | 6,345 |
| Net operating income to assets | 3.4523% | 73 |
| Return on assets (ROA) | 3.4523% | 74 |
| Pretax return on assets | 3.4352% | 99 |
| Return on Equity (ROE) | 34.2639% | 42 |
| Retained earnings to average equity (ytd only) | 16.3552% | 144 |
| Net charge-offs to loans | -2.4294% | 6,298 |
| Credit loss provision to net charge-offs | 120.6637% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6947% | 3,387 |
| Assets per employee ($millions) | 6.0799% | 1,293 |
| Cash dividends to net income (ytd only)* | 52.2671% | 1,842 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8090% | 1,352 |
| Loan loss allowance to noncurrent loans | 1,558.4615% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.4674% | 4,064 |
| Noncurrent loans to loans | 0.1161% | 5,295 |
| Net loans and leases to total assets | 75.3629% | 1,459 |
| Net loans and leases to deposits | 115.0437% | 161 |
| Net loans and leases to core deposits | 115.0437% | 624 |
| Total domestic deposits to total assets | 65.5080% | 6,181 |
| Equity capital to assets | 10.0728% | 3,955 |
| Core capital (leverage) ratio | 10.4961% | 2,958 |
| Tier 1 risk-based capital ratio | 14.2131% | 3,807 |
| Total risk-based capital ratio | 15.4729% | 3,732 |
| Memoranda: |
| Average total assets | $70,272,670 | 5,205 |
| Average earning assets | $63,844,330 | 5,203 |
| Average equity | $7,080,330 | 5,340 |
| Average total loans | $54,581,330 | 4,625 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6244% | 1,173 |
| Cost of funding earning assets | 1.1017% | 95 |
| Net interest margin | 3.5228% | 3,332 |
| Noninterest income to average assets | 0.6615% | 2,355 |
| Noninterest expense to average assets | 2.8087% | 3,223 |
| Loan and lease loss provision to assets | -4.6424% | 6,419 |
| Net operating income to assets | 5.7218% | 43 |
| Return on assets (ROA) | 5.7218% | 44 |
| Pretax return on assets | 5.6870% | 53 |
| Return on Equity (ROE) | 56.7809% | 17 |
| Retained earnings to average equity (ytd only) | 20.2707% | 100 |
| Net charge-offs to loans | -4.9226% | 6,373 |
| Credit loss provision to net charge-offs | 120.6637% | 1,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8916% | 3,009 |
| Assets per employee ($millions) | 5.7742% | 1,571 |
| Cash dividends to net income (ytd only)* | 64.3002% | 1,309 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8820% | 1,318 |
| Loan loss allowance to noncurrent loans | 1,447.1429% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.5268% | 3,914 |
| Noncurrent loans to loans | 0.1300% | 5,311 |
| Net loans and leases to total assets | 76.2202% | 1,180 |
| Net loans and leases to deposits | 119.0984% | 93 |
| Net loans and leases to core deposits | 119.0984% | 431 |
| Total domestic deposits to total assets | 63.9977% | 6,279 |
| Equity capital to assets | 10.2785% | 3,795 |
| Core capital (leverage) ratio | 10.3899% | 3,109 |
| Tier 1 risk-based capital ratio | 14.7078% | 3,605 |
| Total risk-based capital ratio | 15.9683% | 3,523 |
| Memoranda: |
| Average total assets | $68,929,500 | 5,285 |
| Average earning assets | $62,451,000 | 5,295 |
| Average equity | $6,946,000 | 5,415 |
| Average total loans | $53,873,500 | 4,678 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7014% | 1,307 |
| Cost of funding earning assets | 1.2416% | 68 |
| Net interest margin | 3.4598% | 3,941 |
| Noninterest income to average assets | 0.6774% | 2,418 |
| Noninterest expense to average assets | 2.9877% | 2,880 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8126% | 3,311 |
| Return on assets (ROA) | 0.8126% | 3,397 |
| Pretax return on assets | 0.8050% | 4,240 |
| Return on Equity (ROE) | 8.2323% | 3,003 |
| Retained earnings to average equity (ytd only) | 8.2323% | 938 |
| Net charge-offs to loans | 0.0118% | 4,664 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 88.3333% | 582 |
| Efficiency ratio | 78.7745% | 2,095 |
| Assets per employee ($millions) | 6.2335% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1327% | 904 |
| Loan loss allowance to noncurrent loans | 1,575.3425% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.5090% | 4,100 |
| Noncurrent loans to loans | 0.1354% | 5,351 |
| Net loans and leases to total assets | 76.9604% | 1,134 |
| Net loans and leases to deposits | 119.7354% | 101 |
| Net loans and leases to core deposits | 119.7354% | 416 |
| Total domestic deposits to total assets | 64.2754% | 6,353 |
| Equity capital to assets | 9.8733% | 4,267 |
| Core capital (leverage) ratio | 10.1479% | 3,371 |
| Tier 1 risk-based capital ratio | 13.9070% | 4,161 |
| Total risk-based capital ratio | 15.1709% | 4,089 |
| Memoranda: |
| Average total assets | $65,837,600 | 5,400 |
| Average earning assets | $59,280,200 | 5,410 |
| Average equity | $6,498,800 | 5,525 |
| Average total loans | $50,840,200 | 4,789 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7207% | 1,263 |
| Cost of funding earning assets | 1.2736% | 65 |
| Net interest margin | 3.4471% | 4,027 |
| Noninterest income to average assets | 0.6835% | 2,411 |
| Noninterest expense to average assets | 2.9611% | 2,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8288% | 3,293 |
| Return on assets (ROA) | 0.8288% | 3,380 |
| Pretax return on assets | 0.8185% | 4,295 |
| Return on Equity (ROE) | 8.3967% | 2,989 |
| Retained earnings to average equity (ytd only) | 8.3967% | 1,191 |
| Net charge-offs to loans | 0.1651% | 2,143 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.4520% | 3,083 |
| Efficiency ratio | 78.3433% | 2,130 |
| Assets per employee ($millions) | 5.8466% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1606% | 1,005 |
| Loan loss allowance to noncurrent loans | 1,420.7792% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.6126% | 4,000 |
| Noncurrent loans to loans | 0.1521% | 5,454 |
| Net loans and leases to total assets | 77.0280% | 1,088 |
| Net loans and leases to deposits | 121.1371% | 84 |
| Net loans and leases to core deposits | 121.1371% | 373 |
| Total domestic deposits to total assets | 63.5875% | 6,443 |
| Equity capital to assets | 10.3245% | 3,765 |
| Core capital (leverage) ratio | 10.3207% | 3,267 |
| Tier 1 risk-based capital ratio | 14.6481% | 3,789 |
| Total risk-based capital ratio | 15.9131% | 3,722 |
| Memoranda: |
| Average total assets | $65,154,750 | 5,479 |
| Average earning assets | $58,521,250 | 5,499 |
| Average equity | $6,431,000 | 5,598 |
| Average total loans | $50,070,000 | 4,860 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6630% | 1,365 |
| Cost of funding earning assets | 1.2816% | 64 |
| Net interest margin | 3.3813% | 4,252 |
| Noninterest income to average assets | 0.7244% | 2,167 |
| Noninterest expense to average assets | 2.9128% | 3,118 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8589% | 3,020 |
| Return on assets (ROA) | 0.8589% | 3,123 |
| Pretax return on assets | 0.8436% | 4,108 |
| Return on Equity (ROE) | 8.8346% | 2,677 |
| Retained earnings to average equity (ytd only) | 8.8346% | 1,040 |
| Net charge-offs to loans | 0.3288% | 1,243 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.3659% | 3,324 |
| Efficiency ratio | 77.5427% | 2,366 |
| Assets per employee ($millions) | 4.7584% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1905% | 1,042 |
| Loan loss allowance to noncurrent loans | 1,342.5000% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.5959% | 4,191 |
| Noncurrent loans to loans | 0.1632% | 5,521 |
| Net loans and leases to total assets | 71.9876% | 1,747 |
| Net loans and leases to deposits | 110.4112% | 199 |
| Net loans and leases to core deposits | 110.4112% | 681 |
| Total domestic deposits to total assets | 65.1996% | 6,495 |
| Equity capital to assets | 9.7813% | 4,386 |
| Core capital (leverage) ratio | 10.1864% | 3,365 |
| Tier 1 risk-based capital ratio | 14.8244% | 3,740 |
| Total risk-based capital ratio | 16.0883% | 3,665 |
| Memoranda: |
| Average total assets | $65,435,330 | 5,520 |
| Average earning assets | $58,675,000 | 5,541 |
| Average equity | $6,361,330 | 5,643 |
| Average total loans | $49,882,330 | 4,902 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6354% | 1,410 |
| Cost of funding earning assets | 1.3057% | 59 |
| Net interest margin | 3.3298% | 4,426 |
| Noninterest income to average assets | 0.5860% | 2,816 |
| Noninterest expense to average assets | 2.9856% | 2,914 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6045% | 4,181 |
| Return on assets (ROA) | 0.6045% | 4,256 |
| Pretax return on assets | 0.5737% | 4,921 |
| Return on Equity (ROE) | 6.2381% | 3,890 |
| Retained earnings to average equity (ytd only) | 6.2381% | 2,415 |
| Net charge-offs to loans | 0.6520% | 566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.1341% | 3,169 |
| Efficiency ratio | 83.8821% | 1,687 |
| Assets per employee ($millions) | 4.5696% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1126% | 1,300 |
| Loan loss allowance to noncurrent loans | 1,342.5000% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.6206% | 4,264 |
| Noncurrent loans to loans | 0.1574% | 5,609 |
| Net loans and leases to total assets | 77.7879% | 785 |
| Net loans and leases to deposits | 121.1569% | 65 |
| Net loans and leases to core deposits | 121.1569% | 302 |
| Total domestic deposits to total assets | 64.2042% | 6,583 |
| Equity capital to assets | 9.8993% | 3,962 |
| Core capital (leverage) ratio | 9.9292% | 3,663 |
| Tier 1 risk-based capital ratio | 14.2263% | 4,178 |
| Total risk-based capital ratio | 15.4903% | 4,119 |
| Memoranda: |
| Average total assets | $64,844,500 | 5,595 |
| Average earning assets | $57,902,000 | 5,612 |
| Average equity | $6,284,000 | 5,693 |
| Average total loans | $50,308,500 | 4,920 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7481% | 1,450 |
| Cost of funding earning assets | 1.3949% | 74 |
| Net interest margin | 3.3531% | 4,472 |
| Noninterest income to average assets | 1.4407% | 668 |
| Noninterest expense to average assets | 4.2412% | 671 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1513% | 5,941 |
| Return on assets (ROA) | 0.1513% | 6,004 |
| Pretax return on assets | 0.1375% | 6,034 |
| Return on Equity (ROE) | 1.6303% | 5,952 |
| Retained earnings to average equity (ytd only) | 1.6303% | 5,056 |
| Net charge-offs to loans | -0.0078% | 5,991 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8597% | 593 |
| Assets per employee ($millions) | 4.3810% | 3,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3223% | 1,019 |
| Loan loss allowance to noncurrent loans | 713.5802% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.7289% | 4,060 |
| Noncurrent loans to loans | 0.3254% | 5,209 |
| Net loans and leases to total assets | 73.9907% | 1,350 |
| Net loans and leases to deposits | 113.1373% | 122 |
| Net loans and leases to core deposits | 113.1373% | 491 |
| Total domestic deposits to total assets | 65.3991% | 6,640 |
| Equity capital to assets | 9.4879% | 4,443 |
| Core capital (leverage) ratio | 9.5170% | 4,237 |
| Tier 1 risk-based capital ratio | 14.6075% | 3,896 |
| Total risk-based capital ratio | 15.8747% | 3,831 |
| Memoranda: |
| Average total assets | $65,452,800 | 5,609 |
| Average earning assets | $57,349,800 | 5,671 |
| Average equity | $6,072,600 | 5,806 |
| Average total loans | $51,104,800 | 4,927 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8005% | 1,341 |
| Cost of funding earning assets | 1.4114% | 73 |
| Net interest margin | 3.3891% | 4,323 |
| Noninterest income to average assets | 0.9522% | 1,597 |
| Noninterest expense to average assets | 4.5737% | 478 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.6505% | 6,641 |
| Return on assets (ROA) | -0.6505% | 6,648 |
| Pretax return on assets | -0.6688% | 6,636 |
| Return on Equity (ROE) | -7.0511% | 6,650 |
| Retained earnings to average equity (ytd only) | -7.0511% | 6,576 |
| Net charge-offs to loans | 0.3292% | 1,896 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -2.5826% | 5,095 |
| Efficiency ratio | 117.1279% | 197 |
| Assets per employee ($millions) | 4.0738% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0766% | 1,556 |
| Loan loss allowance to noncurrent loans | 632.7160% | 720 |
| Noncurrent assets plus other real estate owned to assets | 3.1543% | 1,148 |
| Noncurrent loans to loans | 0.3282% | 5,397 |
| Net loans and leases to total assets | 74.1550% | 1,276 |
| Net loans and leases to deposits | 112.7347% | 125 |
| Net loans and leases to core deposits | 112.7347% | 483 |
| Total domestic deposits to total assets | 65.7784% | 6,712 |
| Equity capital to assets | 8.9244% | 5,274 |
| Core capital (leverage) ratio | 8.9495% | 5,206 |
| Tier 1 risk-based capital ratio | 13.2371% | 4,957 |
| Total risk-based capital ratio | 14.5004% | 4,884 |
| Memoranda: |
| Average total assets | $65,387,250 | 5,671 |
| Average earning assets | $56,965,000 | 5,741 |
| Average equity | $6,032,000 | 5,887 |
| Average total loans | $51,436,250 | 4,950 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8348% | 1,257 |
| Cost of funding earning assets | 1.4214% | 72 |
| Net interest margin | 3.4134% | 4,145 |
| Noninterest income to average assets | 0.9655% | 1,614 |
| Noninterest expense to average assets | 4.2227% | 678 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.2505% | 6,517 |
| Return on assets (ROA) | -0.2505% | 6,549 |
| Pretax return on assets | -0.2780% | 6,540 |
| Return on Equity (ROE) | -2.6869% | 6,560 |
| Retained earnings to average equity (ytd only) | -2.6869% | 6,271 |
| Net charge-offs to loans | -0.1151% | 6,534 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0488% | 327 |
| Assets per employee ($millions) | 4.1077% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2542% | 1,329 |
| Loan loss allowance to noncurrent loans | 62.0798% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 5.0682% | 606 |
| Noncurrent loans to loans | 3.6312% | 1,132 |
| Net loans and leases to total assets | 77.9834% | 750 |
| Net loans and leases to deposits | 118.3891% | 75 |
| Net loans and leases to core deposits | 118.3891% | 340 |
| Total domestic deposits to total assets | 65.8704% | 6,762 |
| Equity capital to assets | 9.2114% | 4,977 |
| Core capital (leverage) ratio | 9.2010% | 4,696 |
| Tier 1 risk-based capital ratio | 13.0658% | 5,092 |
| Total risk-based capital ratio | 14.3315% | 5,028 |
| Memoranda: |
| Average total assets | $65,456,000 | 5,712 |
| Average earning assets | $57,127,330 | 5,775 |
| Average equity | $6,103,670 | 5,902 |
| Average total loans | $52,128,330 | 4,948 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8117% | 1,263 |
| Cost of funding earning assets | 1.4189% | 82 |
| Net interest margin | 3.3927% | 4,143 |
| Noninterest income to average assets | 0.8267% | 2,011 |
| Noninterest expense to average assets | 3.9313% | 963 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0919% | 6,435 |
| Return on assets (ROA) | -0.0919% | 6,488 |
| Pretax return on assets | -0.1470% | 6,518 |
| Return on Equity (ROE) | -0.9790% | 6,502 |
| Retained earnings to average equity (ytd only) | -0.9790% | 5,950 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8835% | 443 |
| Assets per employee ($millions) | 4.3740% | 3,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1917% | 1,599 |
| Loan loss allowance to noncurrent loans | 66.1689% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 5.0328% | 728 |
| Noncurrent loans to loans | 3.3122% | 1,464 |
| Net loans and leases to total assets | 78.3585% | 576 |
| Net loans and leases to deposits | 118.9904% | 72 |
| Net loans and leases to core deposits | 118.9904% | 298 |
| Total domestic deposits to total assets | 65.8528% | 6,845 |
| Equity capital to assets | 9.3294% | 5,095 |
| Core capital (leverage) ratio | 9.3836% | 4,269 |
| Tier 1 risk-based capital ratio | 13.6314% | 4,769 |
| Total risk-based capital ratio | 14.8976% | 4,724 |
| Memoranda: |
| Average total assets | $65,322,500 | 5,760 |
| Average earning assets | $56,945,000 | 5,825 |
| Average equity | $6,128,500 | 5,952 |
| Average total loans | $51,975,000 | 4,988 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2213% | 1,079 |
| Cost of funding earning assets | 1.5671% | 119 |
| Net interest margin | 3.6542% | 3,857 |
| Noninterest income to average assets | 1.1917% | 1,101 |
| Noninterest expense to average assets | 3.6129% | 1,580 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6576% | 3,952 |
| Return on assets (ROA) | 0.6576% | 4,219 |
| Pretax return on assets | 0.7087% | 4,642 |
| Return on Equity (ROE) | 7.3728% | 3,420 |
| Retained earnings to average equity (ytd only) | 7.3728% | 1,384 |
| Net charge-offs to loans | 0.3735% | 2,766 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 2.4921% | 4,169 |
| Efficiency ratio | 83.6003% | 1,677 |
| Assets per employee ($millions) | 4.3357% | 3,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2418% | 1,474 |
| Loan loss allowance to noncurrent loans | 65.9794% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 5.0926% | 751 |
| Noncurrent loans to loans | 3.3977% | 1,484 |
| Net loans and leases to total assets | 77.2430% | 767 |
| Net loans and leases to deposits | 117.7015% | 84 |
| Net loans and leases to core deposits | 117.7015% | 322 |
| Total domestic deposits to total assets | 65.6262% | 6,906 |
| Equity capital to assets | 9.4349% | 4,956 |
| Core capital (leverage) ratio | 9.3117% | 4,399 |
| Tier 1 risk-based capital ratio | 13.7133% | 4,594 |
| Total risk-based capital ratio | 14.9802% | 4,532 |
| Memoranda: |
| Average total assets | $66,457,200 | 5,726 |
| Average earning assets | $56,920,200 | 5,840 |
| Average equity | $5,927,200 | 6,038 |
| Average total loans | $50,607,400 | 5,085 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3083% | 997 |
| Cost of funding earning assets | 1.5932% | 131 |
| Net interest margin | 3.7151% | 3,728 |
| Noninterest income to average assets | 1.2532% | 955 |
| Noninterest expense to average assets | 3.6040% | 1,552 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7703% | 3,601 |
| Return on assets (ROA) | 0.7703% | 3,858 |
| Pretax return on assets | 0.8182% | 4,419 |
| Return on Equity (ROE) | 8.7600% | 2,922 |
| Retained earnings to average equity (ytd only) | 8.7600% | 1,322 |
| Net charge-offs to loans | 0.4999% | 2,119 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 2.1693% | 4,176 |
| Efficiency ratio | 81.4982% | 1,866 |
| Assets per employee ($millions) | 4.1543% | 3,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2418% | 1,624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6780% | 1,964 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 75.5792% | 1,032 |
| Net loans and leases to deposits | 113.7076% | 114 |
| Net loans and leases to core deposits | 113.7076% | 441 |
| Total domestic deposits to total assets | 66.4681% | 6,967 |
| Equity capital to assets | 9.1548% | 5,644 |
| Core capital (leverage) ratio | 9.2189% | 4,726 |
| Tier 1 risk-based capital ratio | 13.3537% | 4,984 |
| Total risk-based capital ratio | 14.6158% | 4,936 |
| Memoranda: |
| Average total assets | $66,812,750 | 5,783 |
| Average earning assets | $56,990,750 | 5,904 |
| Average equity | $5,875,000 | 6,124 |
| Average total loans | $50,412,500 | 5,151 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3966% | 873 |
| Cost of funding earning assets | 1.6063% | 151 |
| Net interest margin | 3.7903% | 3,406 |
| Noninterest income to average assets | 0.9144% | 1,731 |
| Noninterest expense to average assets | 3.3559% | 2,137 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7321% | 3,699 |
| Return on assets (ROA) | 0.7321% | 3,968 |
| Pretax return on assets | 0.7740% | 4,564 |
| Return on Equity (ROE) | 8.4410% | 3,049 |
| Retained earnings to average equity (ytd only) | 8.4410% | 1,467 |
| Net charge-offs to loans | 0.6069% | 1,801 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.7039% | 4,131 |
| Efficiency ratio | 81.2590% | 1,994 |
| Assets per employee ($millions) | 4.3583% | 3,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3742% | 1,454 |
| Loan loss allowance to noncurrent loans | 1,213.2653% | 356 |
| Noncurrent assets plus other real estate owned to assets | 6.0023% | 707 |
| Noncurrent loans to loans | 0.1957% | 6,191 |
| Net loans and leases to total assets | 74.7839% | 1,132 |
| Net loans and leases to deposits | 112.8656% | 118 |
| Net loans and leases to core deposits | 112.8656% | 484 |
| Total domestic deposits to total assets | 66.2593% | 7,039 |
| Equity capital to assets | 9.0922% | 5,589 |
| Core capital (leverage) ratio | 9.0047% | 4,909 |
| Tier 1 risk-based capital ratio | 12.7879% | 5,350 |
| Total risk-based capital ratio | 14.0539% | 5,308 |
| Memoranda: |
| Average total assets | $66,927,670 | 5,811 |
| Average earning assets | $56,776,670 | 5,951 |
| Average equity | $5,805,000 | 6,172 |
| Average total loans | $50,087,330 | 5,197 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1502% | 1,430 |
| Cost of funding earning assets | 1.5969% | 190 |
| Net interest margin | 3.5533% | 4,474 |
| Noninterest income to average assets | 0.7149% | 2,582 |
| Noninterest expense to average assets | 3.3026% | 2,278 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4313% | 5,121 |
| Return on assets (ROA) | 0.4313% | 5,307 |
| Pretax return on assets | 0.4490% | 5,586 |
| Return on Equity (ROE) | 5.0911% | 4,742 |
| Retained earnings to average equity (ytd only) | 5.0911% | 3,499 |
| Net charge-offs to loans | 0.3753% | 2,180 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.6170% | 3,512 |
| Efficiency ratio | 88.0315% | 1,280 |
| Assets per employee ($millions) | 4.2181% | 3,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5907% | 1,238 |
| Loan loss allowance to noncurrent loans | 230.6595% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 5.9669% | 792 |
| Noncurrent loans to loans | 1.1232% | 4,456 |
| Net loans and leases to total assets | 72.0903% | 1,387 |
| Net loans and leases to deposits | 106.5293% | 195 |
| Net loans and leases to core deposits | 106.5293% | 656 |
| Total domestic deposits to total assets | 67.6718% | 7,059 |
| Equity capital to assets | 8.5525% | 6,039 |
| Core capital (leverage) ratio | 8.4509% | 5,676 |
| Tier 1 risk-based capital ratio | 12.1538% | 5,860 |
| Total risk-based capital ratio | 13.4212% | 5,824 |
| Memoranda: |
| Average total assets | $67,704,000 | 5,836 |
| Average earning assets | $57,861,500 | 5,945 |
| Average equity | $5,735,500 | 6,215 |
| Average total loans | $50,091,500 | 5,227 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5346% | 1,085 |
| Cost of funding earning assets | 1.7585% | 252 |
| Net interest margin | 3.7761% | 3,942 |
| Noninterest income to average assets | 0.7734% | 2,217 |
| Noninterest expense to average assets | 3.6190% | 1,705 |
| Loan and lease loss provision to assets | 0.0312% | 6,176 |
| Net operating income to assets | 0.4589% | 4,597 |
| Return on assets (ROA) | 0.4589% | 4,808 |
| Pretax return on assets | 0.4051% | 5,283 |
| Return on Equity (ROE) | 5.7973% | 3,973 |
| Retained earnings to average equity (ytd only) | 5.7973% | 2,127 |
| Net charge-offs to loans | 1.0508% | 1,654 |
| Credit loss provision to net charge-offs | 3.7288% | 6,050 |
| Earnings coverage of net charge-offs (x) | 0.5220% | 5,434 |
| Efficiency ratio | 89.2421% | 1,247 |
| Assets per employee ($millions) | 3.9952% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6694% | 1,108 |
| Loan loss allowance to noncurrent loans | 71.5582% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 5.8246% | 860 |
| Noncurrent loans to loans | 3.7304% | 1,687 |
| Net loans and leases to total assets | 71.9902% | 1,647 |
| Net loans and leases to deposits | 105.8104% | 254 |
| Net loans and leases to core deposits | 105.8104% | 798 |
| Total domestic deposits to total assets | 68.0369% | 7,070 |
| Equity capital to assets | 8.3909% | 6,256 |
| Core capital (leverage) ratio | 8.1967% | 6,006 |
| Tier 1 risk-based capital ratio | 12.0791% | 5,776 |
| Total risk-based capital ratio | 13.3386% | 5,752 |
| Memoranda: |
| Average total assets | $70,600,400 | 5,724 |
| Average earning assets | $61,360,000 | 5,824 |
| Average equity | $5,588,800 | 6,261 |
| Average total loans | $56,145,200 | 5,023 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6029% | 1,027 |
| Cost of funding earning assets | 1.7995% | 258 |
| Net interest margin | 3.8034% | 3,866 |
| Noninterest income to average assets | 0.7259% | 2,447 |
| Noninterest expense to average assets | 3.5395% | 1,832 |
| Loan and lease loss provision to assets | 0.0412% | 5,923 |
| Net operating income to assets | 0.5257% | 4,425 |
| Return on assets (ROA) | 0.5257% | 4,607 |
| Pretax return on assets | 0.4546% | 5,305 |
| Return on Equity (ROE) | 6.7370% | 3,646 |
| Retained earnings to average equity (ytd only) | 6.7370% | 2,118 |
| Net charge-offs to loans | 0.3263% | 3,466 |
| Credit loss provision to net charge-offs | 15.6028% | 5,613 |
| Earnings coverage of net charge-offs (x) | 1.8794% | 4,252 |
| Efficiency ratio | 87.7144% | 1,370 |
| Assets per employee ($millions) | 4.3049% | 3,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2318% | 701 |
| Loan loss allowance to noncurrent loans | 76.7581% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 6.5376% | 789 |
| Noncurrent loans to loans | 4.2104% | 1,558 |
| Net loans and leases to total assets | 77.8133% | 725 |
| Net loans and leases to deposits | 113.3896% | 140 |
| Net loans and leases to core deposits | 113.3896% | 570 |
| Total domestic deposits to total assets | 68.6247% | 7,110 |
| Equity capital to assets | 8.2115% | 6,553 |
| Core capital (leverage) ratio | 8.0420% | 6,354 |
| Tier 1 risk-based capital ratio | 11.1175% | 6,469 |
| Total risk-based capital ratio | 12.3890% | 6,447 |
| Memoranda: |
| Average total assets | $71,270,750 | 5,753 |
| Average earning assets | $62,014,000 | 5,843 |
| Average equity | $5,561,250 | 6,313 |
| Average total loans | $57,622,500 | 5,012 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6555% | 954 |
| Cost of funding earning assets | 1.8427% | 268 |
| Net interest margin | 3.8128% | 3,718 |
| Noninterest income to average assets | 0.7465% | 2,274 |
| Noninterest expense to average assets | 3.3496% | 2,403 |
| Loan and lease loss provision to assets | 0.0638% | 5,506 |
| Net operating income to assets | 0.7632% | 3,232 |
| Return on assets (ROA) | 0.7632% | 3,363 |
| Pretax return on assets | 0.6577% | 4,544 |
| Return on Equity (ROE) | 9.9463% | 2,136 |
| Retained earnings to average equity (ytd only) | 9.9463% | 854 |
| Net charge-offs to loans | 0.1576% | 4,235 |
| Credit loss provision to net charge-offs | 50.0000% | 4,583 |
| Earnings coverage of net charge-offs (x) | 5.6522% | 2,565 |
| Efficiency ratio | 82.2768% | 2,064 |
| Assets per employee ($millions) | 4.1277% | 3,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3753% | 659 |
| Loan loss allowance to noncurrent loans | 87.0328% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 5.8600% | 965 |
| Noncurrent loans to loans | 3.8782% | 1,792 |
| Net loans and leases to total assets | 76.9420% | 923 |
| Net loans and leases to deposits | 112.7773% | 145 |
| Net loans and leases to core deposits | 112.7773% | 625 |
| Total domestic deposits to total assets | 68.2248% | 7,182 |
| Equity capital to assets | 8.0518% | 6,642 |
| Core capital (leverage) ratio | 7.9996% | 6,296 |
| Tier 1 risk-based capital ratio | 11.0061% | 6,528 |
| Total risk-based capital ratio | 12.2846% | 6,484 |
| Memoranda: |
| Average total assets | $72,068,000 | 5,778 |
| Average earning assets | $62,841,330 | 5,862 |
| Average equity | $5,529,670 | 6,360 |
| Average total loans | $58,367,670 | 5,037 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8017% | 736 |
| Cost of funding earning assets | 1.8984% | 251 |
| Net interest margin | 3.9033% | 3,123 |
| Noninterest income to average assets | 0.6903% | 2,627 |
| Noninterest expense to average assets | 3.1555% | 3,048 |
| Loan and lease loss provision to assets | 0.1205% | 4,506 |
| Net operating income to assets | 1.0354% | 2,050 |
| Return on assets (ROA) | 1.0354% | 2,101 |
| Pretax return on assets | 0.8272% | 3,801 |
| Return on Equity (ROE) | 13.8221% | 1,024 |
| Retained earnings to average equity (ytd only) | 13.8221% | 491 |
| Net charge-offs to loans | 1.0400% | 1,314 |
| Credit loss provision to net charge-offs | 14.1935% | 4,345 |
| Earnings coverage of net charge-offs (x) | 1.1161% | 3,832 |
| Efficiency ratio | 76.9025% | 2,997 |
| Assets per employee ($millions) | 4.4721% | 2,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1760% | 782 |
| Loan loss allowance to noncurrent loans | 297.9866% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 3.5582% | 1,909 |
| Noncurrent loans to loans | 1.0658% | 4,922 |
| Net loans and leases to total assets | 75.6687% | 1,077 |
| Net loans and leases to deposits | 109.6454% | 187 |
| Net loans and leases to core deposits | 109.6454% | 745 |
| Total domestic deposits to total assets | 69.0122% | 7,227 |
| Equity capital to assets | 7.7759% | 6,694 |
| Core capital (leverage) ratio | 7.4774% | 6,743 |
| Tier 1 risk-based capital ratio | 10.6237% | 6,737 |
| Total risk-based capital ratio | 11.9007% | 6,709 |
| Memoranda: |
| Average total assets | $73,016,500 | 5,784 |
| Average earning assets | $63,843,000 | 5,867 |
| Average equity | $5,469,500 | 6,398 |
| Average total loans | $59,613,000 | 5,019 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5709% | 2,005 |
| Cost of funding earning assets | 2.4465% | 130 |
| Net interest margin | 3.1243% | 6,453 |
| Noninterest income to average assets | 0.7049% | 2,815 |
| Noninterest expense to average assets | 3.2437% | 2,941 |
| Loan and lease loss provision to assets | 2.0890% | 616 |
| Net operating income to assets | -1.8451% | 7,013 |
| Return on assets (ROA) | -1.8451% | 7,034 |
| Pretax return on assets | -1.8406% | 6,978 |
| Return on Equity (ROE) | -26.7103% | 7,171 |
| Retained earnings to average equity (ytd only) | -26.7103% | 7,157 |
| Net charge-offs to loans | 2.0984% | 949 |
| Credit loss provision to net charge-offs | 125.9060% | 3,227 |
| Earnings coverage of net charge-offs (x) | 0.1497% | 5,965 |
| Efficiency ratio | 82.8444% | 2,066 |
| Assets per employee ($millions) | 4.9653% | 2,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0155% | 855 |
| Loan loss allowance to noncurrent loans | 77.6016% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 3.3701% | 2,079 |
| Noncurrent loans to loans | 3.8859% | 1,887 |
| Net loans and leases to total assets | 82.4353% | 412 |
| Net loans and leases to deposits | 119.8014% | 119 |
| Net loans and leases to core deposits | 120.4122% | 518 |
| Total domestic deposits to total assets | 68.8100% | 7,293 |
| Equity capital to assets | 7.2168% | 7,030 |
| Core capital (leverage) ratio | 6.9496% | 7,045 |
| Tier 1 risk-based capital ratio | 9.3405% | 7,175 |
| Total risk-based capital ratio | 10.6157% | 7,172 |
| Memoranda: |
| Average total assets | $89,805,400 | 5,296 |
| Average earning assets | $80,113,200 | 5,343 |
| Average equity | $6,203,600 | 6,306 |
| Average total loans | $71,005,800 | 4,647 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5888% | 2,103 |
| Cost of funding earning assets | 2.5993% | 99 |
| Net interest margin | 2.9895% | 6,857 |
| Noninterest income to average assets | 0.6863% | 2,899 |
| Noninterest expense to average assets | 3.1625% | 3,057 |
| Loan and lease loss provision to assets | 2.1871% | 515 |
| Net operating income to assets | -1.9963% | 7,239 |
| Return on assets (ROA) | -1.9963% | 7,253 |
| Pretax return on assets | -1.9906% | 7,196 |
| Return on Equity (ROE) | -29.1587% | 7,372 |
| Retained earnings to average equity (ytd only) | -29.1587% | 7,362 |
| Net charge-offs to loans | 2.1810% | 834 |
| Credit loss provision to net charge-offs | 128.7510% | 3,154 |
| Earnings coverage of net charge-offs (x) | 0.1157% | 5,907 |
| Efficiency ratio | 80.7969% | 2,249 |
| Assets per employee ($millions) | 4.9293% | 2,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8865% | 922 |
| Loan loss allowance to noncurrent loans | 78.2718% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 3.0228% | 2,403 |
| Noncurrent loans to loans | 3.6878% | 2,113 |
| Net loans and leases to total assets | 79.6001% | 804 |
| Net loans and leases to deposits | 113.3891% | 197 |
| Net loans and leases to core deposits | 115.0620% | 789 |
| Total domestic deposits to total assets | 70.2008% | 7,263 |
| Equity capital to assets | 7.1385% | 7,295 |
| Core capital (leverage) ratio | 6.5364% | 7,325 |
| Tier 1 risk-based capital ratio | 9.5313% | 7,248 |
| Total risk-based capital ratio | 10.7927% | 7,241 |
| Memoranda: |
| Average total assets | $93,637,000 | 5,228 |
| Average earning assets | $83,713,250 | 5,285 |
| Average equity | $6,410,750 | 6,318 |
| Average total loans | $72,930,750 | 4,641 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5955% | 2,151 |
| Cost of funding earning assets | 2.6668% | 104 |
| Net interest margin | 2.9287% | 6,968 |
| Noninterest income to average assets | 0.6088% | 3,273 |
| Noninterest expense to average assets | 3.1392% | 3,150 |
| Loan and lease loss provision to assets | 2.3113% | 504 |
| Net operating income to assets | -2.2403% | 7,363 |
| Return on assets (ROA) | -2.2403% | 7,372 |
| Pretax return on assets | -2.2321% | 7,305 |
| Return on Equity (ROE) | -33.0985% | 7,471 |
| Retained earnings to average equity (ytd only) | -33.0985% | 7,462 |
| Net charge-offs to loans | 3.0730% | 508 |
| Credit loss provision to net charge-offs | 97.9364% | 4,184 |
| Earnings coverage of net charge-offs (x) | 0.0335% | 5,680 |
| Efficiency ratio | 77.6797% | 2,776 |
| Assets per employee ($millions) | 5.4706% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1089% | 1,950 |
| Loan loss allowance to noncurrent loans | 49.9334% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 3.2280% | 2,182 |
| Noncurrent loans to loans | 4.2234% | 1,764 |
| Net loans and leases to total assets | 74.8183% | 1,732 |
| Net loans and leases to deposits | 100.5012% | 679 |
| Net loans and leases to core deposits | 102.5225% | 1,779 |
| Total domestic deposits to total assets | 74.4452% | 6,919 |
| Equity capital to assets | 6.3742% | 7,488 |
| Core capital (leverage) ratio | 6.1034% | 7,466 |
| Tier 1 risk-based capital ratio | 8.8257% | 7,444 |
| Total risk-based capital ratio | 10.0884% | 7,457 |
| Memoranda: |
| Average total assets | $98,560,000 | 5,123 |
| Average earning assets | $87,820,000 | 5,185 |
| Average equity | $6,671,000 | 6,246 |
| Average total loans | $75,692,670 | 4,578 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6366% | 2,000 |
| Cost of funding earning assets | 2.7623% | 101 |
| Net interest margin | 2.8744% | 7,066 |
| Noninterest income to average assets | 0.4776% | 4,222 |
| Noninterest expense to average assets | 2.2262% | 6,616 |
| Loan and lease loss provision to assets | 0.6828% | 1,868 |
| Net operating income to assets | 0.0829% | 6,068 |
| Return on assets (ROA) | 0.0829% | 6,176 |
| Pretax return on assets | 0.0987% | 6,134 |
| Return on Equity (ROE) | 1.1928% | 6,066 |
| Retained earnings to average equity (ytd only) | 1.1928% | 5,341 |
| Net charge-offs to loans | 0.0513% | 4,892 |
| Credit loss provision to net charge-offs | 1,730.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 19.8000% | 1,182 |
| Efficiency ratio | 74.0157% | 3,574 |
| Assets per employee ($millions) | 4.9073% | 2,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2155% | 1,720 |
| Loan loss allowance to noncurrent loans | 51.1840% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 3.3563% | 2,122 |
| Noncurrent loans to loans | 4.3286% | 1,749 |
| Net loans and leases to total assets | 75.8195% | 1,582 |
| Net loans and leases to deposits | 101.5877% | 662 |
| Net loans and leases to core deposits | 103.8722% | 1,750 |
| Total domestic deposits to total assets | 74.6345% | 6,966 |
| Equity capital to assets | 7.1863% | 7,293 |
| Core capital (leverage) ratio | 6.6110% | 7,427 |
| Tier 1 risk-based capital ratio | 9.1942% | 7,430 |
| Total risk-based capital ratio | 10.4568% | 7,428 |
| Memoranda: |
| Average total assets | $101,340,000 | 5,108 |
| Average earning assets | $89,202,500 | 5,188 |
| Average equity | $7,042,500 | 6,177 |
| Average total loans | $77,999,000 | 4,581 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2220% | 1,188 |
| Cost of funding earning assets | 2.9186% | 291 |
| Net interest margin | 3.3034% | 5,728 |
| Noninterest income to average assets | 0.5282% | 4,194 |
| Noninterest expense to average assets | 2.5466% | 5,966 |
| Loan and lease loss provision to assets | 4.6730% | 241 |
| Net operating income to assets | -3.7698% | 7,567 |
| Return on assets (ROA) | -3.7698% | 7,569 |
| Pretax return on assets | -3.7621% | 7,478 |
| Return on Equity (ROE) | -41.8638% | 7,595 |
| Retained earnings to average equity (ytd only) | -41.8638% | 7,583 |
| Net charge-offs to loans | 5.3603% | 218 |
| Credit loss provision to net charge-offs | 105.4601% | 5,250 |
| Earnings coverage of net charge-offs (x) | 0.2056% | 5,931 |
| Efficiency ratio | 73.6549% | 3,966 |
| Assets per employee ($millions) | 5.2268% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9062% | 2,245 |
| Loan loss allowance to noncurrent loans | 133.1294% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 1.2608% | 4,564 |
| Noncurrent loans to loans | 1.4318% | 4,526 |
| Net loans and leases to total assets | 74.9758% | 2,038 |
| Net loans and leases to deposits | 103.9332% | 651 |
| Net loans and leases to core deposits | 134.6690% | 1,016 |
| Total domestic deposits to total assets | 72.1385% | 7,229 |
| Equity capital to assets | 6.7269% | 7,489 |
| Core capital (leverage) ratio | 6.2391% | 7,577 |
| Tier 1 risk-based capital ratio | 8.5067% | 7,586 |
| Total risk-based capital ratio | 9.7649% | 7,613 |
| Memoranda: |
| Average total assets | $103,746,000 | 4,988 |
| Average earning assets | $91,995,600 | 5,058 |
| Average equity | $9,342,200 | 5,491 |
| Average total loans | $85,760,400 | 4,339 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2865% | 1,167 |
| Cost of funding earning assets | 2.8884% | 482 |
| Net interest margin | 3.3981% | 5,273 |
| Noninterest income to average assets | 0.5305% | 4,233 |
| Noninterest expense to average assets | 2.3937% | 6,433 |
| Loan and lease loss provision to assets | 2.2984% | 740 |
| Net operating income to assets | -1.1202% | 6,915 |
| Return on assets (ROA) | -1.1202% | 6,915 |
| Pretax return on assets | -1.1138% | 6,768 |
| Return on Equity (ROE) | -11.6935% | 7,002 |
| Retained earnings to average equity (ytd only) | -11.6935% | 6,930 |
| Net charge-offs to loans | -0.0122% | 7,711 |
| Credit loss provision to net charge-offs | -22,312.5000% | 7,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8946% | 5,210 |
| Assets per employee ($millions) | 5.3583% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5365% | 402 |
| Loan loss allowance to noncurrent loans | 53.9423% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 5.4644% | 1,049 |
| Noncurrent loans to loans | 6.5561% | 874 |
| Net loans and leases to total assets | 78.0117% | 1,566 |
| Net loans and leases to deposits | 114.6316% | 303 |
| Net loans and leases to core deposits | 152.3554% | 529 |
| Total domestic deposits to total assets | 68.0542% | 7,566 |
| Equity capital to assets | 8.4663% | 6,291 |
| Core capital (leverage) ratio | 8.1602% | 6,084 |
| Tier 1 risk-based capital ratio | 10.4994% | 6,472 |
| Total risk-based capital ratio | 11.7789% | 6,396 |
| Memoranda: |
| Average total assets | $103,548,750 | 5,029 |
| Average earning assets | $92,873,500 | 5,075 |
| Average equity | $9,919,750 | 5,355 |
| Average total loans | $87,225,750 | 4,332 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3323% | 1,136 |
| Cost of funding earning assets | 2.9039% | 603 |
| Net interest margin | 3.4284% | 5,068 |
| Noninterest income to average assets | 0.4964% | 4,479 |
| Noninterest expense to average assets | 2.4467% | 6,309 |
| Loan and lease loss provision to assets | 0.2638% | 4,469 |
| Net operating income to assets | 0.8911% | 2,488 |
| Return on assets (ROA) | 0.8911% | 2,603 |
| Pretax return on assets | 0.8774% | 3,413 |
| Return on Equity (ROE) | 8.9394% | 2,376 |
| Retained earnings to average equity (ytd only) | 8.9394% | 957 |
| Net charge-offs to loans | -0.0183% | 7,682 |
| Credit loss provision to net charge-offs | -1,687.5000% | 7,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1917% | 5,122 |
| Assets per employee ($millions) | 5.1969% | 1,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6426% | 2,556 |
| Loan loss allowance to noncurrent loans | 24.9691% | 6,846 |
| Noncurrent assets plus other real estate owned to assets | 5.6198% | 887 |
| Noncurrent loans to loans | 6.5785% | 790 |
| Net loans and leases to total assets | 81.5196% | 1,047 |
| Net loans and leases to deposits | 124.0088% | 177 |
| Net loans and leases to core deposits | 165.9758% | 370 |
| Total domestic deposits to total assets | 65.7369% | 7,754 |
| Equity capital to assets | 10.0051% | 3,932 |
| Core capital (leverage) ratio | 9.6808% | 3,656 |
| Tier 1 risk-based capital ratio | 11.7533% | 5,143 |
| Total risk-based capital ratio | 13.0083% | 5,060 |
| Memoranda: |
| Average total assets | $102,343,000 | 5,090 |
| Average earning assets | $92,289,000 | 5,112 |
| Average equity | $10,202,000 | 5,303 |
| Average total loans | $87,412,000 | 4,344 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2867% | 1,334 |
| Cost of funding earning assets | 2.9165% | 737 |
| Net interest margin | 3.3702% | 5,253 |
| Noninterest income to average assets | 0.5081% | 4,248 |
| Noninterest expense to average assets | 2.2295% | 6,762 |
| Loan and lease loss provision to assets | 0.1379% | 5,201 |
| Net operating income to assets | 1.2645% | 1,467 |
| Return on assets (ROA) | 1.2645% | 1,568 |
| Pretax return on assets | 1.2132% | 2,580 |
| Return on Equity (ROE) | 12.7085% | 1,463 |
| Retained earnings to average equity (ytd only) | 12.7085% | 682 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2662% | 6,006 |
| Assets per employee ($millions) | 5.4925% | 1,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4928% | 3,037 |
| Loan loss allowance to noncurrent loans | 79.5981% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.7402% | 3,305 |
| Noncurrent loans to loans | 1.8754% | 3,449 |
| Net loans and leases to total assets | 82.6452% | 908 |
| Net loans and leases to deposits | 125.2847% | 195 |
| Net loans and leases to core deposits | 170.1239% | 339 |
| Total domestic deposits to total assets | 65.9659% | 7,733 |
| Equity capital to assets | 9.8355% | 4,202 |
| Core capital (leverage) ratio | 9.8583% | 3,576 |
| Tier 1 risk-based capital ratio | 11.3026% | 5,598 |
| Total risk-based capital ratio | 12.5552% | 5,506 |
| Memoranda: |
| Average total assets | $101,546,000 | 5,132 |
| Average earning assets | $92,576,000 | 5,129 |
| Average equity | $10,103,500 | 5,355 |
| Average total loans | $88,046,000 | 4,356 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9241% | 1,333 |
| Cost of funding earning assets | 3.3882% | 727 |
| Net interest margin | 3.5360% | 5,166 |
| Noninterest income to average assets | 0.5414% | 4,307 |
| Noninterest expense to average assets | 2.7331% | 5,124 |
| Loan and lease loss provision to assets | 0.9498% | 1,558 |
| Net operating income to assets | 0.2108% | 5,814 |
| Return on assets (ROA) | 0.2108% | 5,634 |
| Pretax return on assets | 0.1944% | 5,746 |
| Return on Equity (ROE) | 1.9586% | 5,632 |
| Retained earnings to average equity (ytd only) | 0.6529% | 4,848 |
| Net charge-offs to loans | 0.4533% | 2,571 |
| Credit loss provision to net charge-offs | 233.1536% | 2,037 |
| Earnings coverage of net charge-offs (x) | 2.8086% | 4,678 |
| Efficiency ratio | 70.4899% | 4,249 |
| Assets per employee ($millions) | 4.9368% | 2,013 |
| Cash dividends to net income (ytd only)* | 66.6667% | 2,338 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4367% | 2,993 |
| Loan loss allowance to noncurrent loans | 56.2334% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 2.4672% | 1,968 |
| Noncurrent loans to loans | 2.5548% | 2,131 |
| Net loans and leases to total assets | 88.3851% | 335 |
| Net loans and leases to deposits | 137.9585% | 119 |
| Net loans and leases to core deposits | 184.3448% | 248 |
| Total domestic deposits to total assets | 64.0664% | 7,792 |
| Equity capital to assets | 10.0704% | 3,953 |
| Core capital (leverage) ratio | 10.4550% | 3,015 |
| Tier 1 risk-based capital ratio | 10.1062% | 6,621 |
| Total risk-based capital ratio | 11.3571% | 6,487 |
| Memoranda: |
| Average total assets | $91,068,600 | 5,318 |
| Average earning assets | $85,917,000 | 5,237 |
| Average equity | $9,802,800 | 5,475 |
| Average total loans | $81,851,800 | 4,456 |
