| 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 | 5.0330% | 2,010 |
| Cost of funding earning assets | 2.4556% | 406 |
| Net interest margin | 2.5774% | 3,997 |
| Noninterest income to average assets | 0.9100% | 750 |
| Noninterest expense to average assets | 2.4117% | 2,554 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 0.5790% | 3,497 |
| Return on assets (ROA) | 0.5790% | 3,486 |
| Pretax return on assets | 0.7559% | 3,324 |
| Return on Equity (ROE) | 5.9800% | 3,522 |
| Retained earnings to average equity (ytd only) | 5.6623% | 2,366 |
| Net charge-offs to loans | -0.0069% | 3,915 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.7473% | 1,683 |
| Assets per employee ($millions) | 8.3801% | 1,233 |
| Cash dividends to net income (ytd only)* | 5.3509% | 3,328 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1905% | 2,352 |
| Loan loss allowance to noncurrent loans | 21,750.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 3,782 |
| Noncurrent loans to loans | 0.0055% | 3,736 |
| Net loans and leases to total assets | 82.8600% | 358 |
| Net loans and leases to deposits | 96.4390% | 748 |
| Net loans and leases to core deposits | 112.9702% | 847 |
| Total domestic deposits to total assets | 85.9100% | 2,050 |
| Equity capital to assets | 11.3396% | 1,355 |
| Core capital (leverage) ratio | 11.7158% | 1,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8828% | 1,904 |
| Memoranda: |
| Average total assets | $445,408,000 | 1,875 |
| Average earning assets | $423,726,200 | 1,823 |
| Average equity | $43,109,600 | 1,785 |
| Average total loans | $364,548,400 | 1,562 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9645% | 1,905 |
| Cost of funding earning assets | 2.3299% | 382 |
| Net interest margin | 2.6345% | 3,974 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 2.3789% | 2,583 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | 0.6782% | 3,370 |
| Return on assets (ROA) | 0.6782% | 3,359 |
| Pretax return on assets | 0.8908% | 3,122 |
| Return on Equity (ROE) | 7.3100% | 3,346 |
| Retained earnings to average equity (ytd only) | 7.0175% | 2,282 |
| Net charge-offs to loans | -0.0091% | 3,905 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.7406% | 2,043 |
| Assets per employee ($millions) | 8.8579% | 982 |
| Cash dividends to net income (ytd only)* | 4.0386% | 2,931 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1997% | 2,365 |
| 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 | 78.3200% | 845 |
| Net loans and leases to deposits | 88.3071% | 1,358 |
| Net loans and leases to core deposits | 104.5564% | 1,089 |
| Total domestic deposits to total assets | 88.6900% | 1,347 |
| Equity capital to assets | 10.7200% | 1,468 |
| Core capital (leverage) ratio | 11.3019% | 1,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0157% | 1,892 |
| Memoranda: |
| Average total assets | $447,819,000 | 1,860 |
| Average earning assets | $425,922,500 | 1,822 |
| Average equity | $41,533,500 | 1,814 |
| Average total loans | $364,334,500 | 1,558 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8533% | 1,877 |
| Cost of funding earning assets | 2.1478% | 376 |
| Net interest margin | 2.7055% | 3,965 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.3054% | 2,790 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.3570% | 4,079 |
| Return on assets (ROA) | 0.3570% | 4,100 |
| Pretax return on assets | 0.4564% | 4,033 |
| Return on Equity (ROE) | 4.0600% | 4,022 |
| Retained earnings to average equity (ytd only) | 3.8282% | 3,244 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.6077% | 735 |
| Assets per employee ($millions) | 8.8363% | 960 |
| Cash dividends to net income (ytd only)* | 5.7716% | 2,805 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9090% | 3,751 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 81.7100% | 456 |
| Net loans and leases to deposits | 92.5945% | 979 |
| Net loans and leases to core deposits | 114.1987% | 679 |
| Total domestic deposits to total assets | 88.2500% | 1,514 |
| Equity capital to assets | 9.0198% | 2,507 |
| Core capital (leverage) ratio | 9.6400% | 3,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5124% | 2,762 |
| Memoranda: |
| Average total assets | $446,507,333 | 1,868 |
| Average earning assets | $423,879,333 | 1,831 |
| Average equity | $39,235,333 | 1,905 |
| Average total loans | $366,414,333 | 1,545 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6988% | 1,853 |
| Cost of funding earning assets | 1.9592% | 325 |
| Net interest margin | 2.7396% | 4,025 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.3418% | 2,695 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.3267% | 4,212 |
| Return on assets (ROA) | 0.3267% | 4,170 |
| Pretax return on assets | 0.4185% | 4,106 |
| Return on Equity (ROE) | 3.7700% | 4,078 |
| Retained earnings to average equity (ytd only) | 3.7686% | 3,332 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.0514% | 642 |
| Assets per employee ($millions) | 8.3870% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8661% | 3,945 |
| 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 | 82.2200% | 354 |
| Net loans and leases to deposits | 90.5784% | 1,007 |
| Net loans and leases to core deposits | 115.0723% | 559 |
| Total domestic deposits to total assets | 90.7700% | 878 |
| Equity capital to assets | 8.7203% | 2,725 |
| Core capital (leverage) ratio | 9.3788% | 3,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8281% | 2,966 |
| Memoranda: |
| Average total assets | $444,435,000 | 1,893 |
| Average earning assets | $420,789,500 | 1,862 |
| Average equity | $38,529,000 | 1,944 |
| Average total loans | $363,818,500 | 1,567 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9077% | 1,964 |
| Cost of funding earning assets | 0.7823% | 416 |
| Net interest margin | 3.1254% | 3,098 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.4040% | 2,413 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.6468% | 3,767 |
| Return on assets (ROA) | 0.6468% | 3,716 |
| Pretax return on assets | 0.8584% | 3,464 |
| Return on Equity (ROE) | 7.1700% | 3,599 |
| Retained earnings to average equity (ytd only) | 6.7931% | 2,325 |
| Net charge-offs to loans | 0.0140% | 1,857 |
| Credit loss provision to net charge-offs | 410.6383% | 765 |
| Earnings coverage of net charge-offs (x) | 80.5106% | 1,084 |
| Efficiency ratio | 72.6609% | 1,368 |
| Assets per employee ($millions) | 8.2288% | 1,220 |
| Cash dividends to net income (ytd only)* | 5.2106% | 3,365 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0145% | 3,284 |
| Loan loss allowance to noncurrent loans | 60,700.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 3,940 |
| Noncurrent loans to loans | 0.0017% | 3,885 |
| Net loans and leases to total assets | 79.9700% | 593 |
| Net loans and leases to deposits | 91.9376% | 918 |
| Net loans and leases to core deposits | 115.2535% | 459 |
| Total domestic deposits to total assets | 86.9800% | 2,398 |
| Equity capital to assets | 8.6181% | 2,619 |
| Core capital (leverage) ratio | 9.2040% | 3,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6677% | 3,014 |
| Memoranda: |
| Average total assets | $418,338,600 | 1,965 |
| Average earning assets | $392,945,400 | 1,937 |
| Average equity | $37,758,800 | 2,008 |
| Average total loans | $334,967,000 | 1,590 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6590% | 2,168 |
| Cost of funding earning assets | 0.5448% | 592 |
| Net interest margin | 3.1142% | 2,890 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.4084% | 2,291 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.6795% | 3,622 |
| Return on assets (ROA) | 0.6795% | 3,583 |
| Pretax return on assets | 0.8945% | 3,335 |
| Return on Equity (ROE) | 7.4400% | 3,478 |
| Retained earnings to average equity (ytd only) | 6.9385% | 2,381 |
| Net charge-offs to loans | 0.0190% | 1,459 |
| Credit loss provision to net charge-offs | 317.0213% | 787 |
| Earnings coverage of net charge-offs (x) | 61.9574% | 1,159 |
| Efficiency ratio | 71.8675% | 1,534 |
| Assets per employee ($millions) | 7.7836% | 1,432 |
| Cash dividends to net income (ytd only)* | 6.7175% | 2,938 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0134% | 3,408 |
| Loan loss allowance to noncurrent loans | 32,709.0909% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,000 |
| Noncurrent loans to loans | 0.0031% | 3,944 |
| Net loans and leases to total assets | 80.6300% | 479 |
| Net loans and leases to deposits | 91.8420% | 772 |
| Net loans and leases to core deposits | 119.2977% | 269 |
| Total domestic deposits to total assets | 87.7900% | 2,489 |
| Equity capital to assets | 8.5856% | 2,488 |
| Core capital (leverage) ratio | 9.4194% | 3,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4289% | 3,101 |
| Memoranda: |
| Average total assets | $411,834,000 | 1,998 |
| Average earning assets | $386,688,000 | 1,974 |
| Average equity | $37,624,750 | 2,036 |
| Average total loans | $328,963,750 | 1,605 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4429% | 2,316 |
| Cost of funding earning assets | 0.4578% | 668 |
| Net interest margin | 2.9851% | 2,927 |
| Noninterest income to average assets | 0.5037% | 2,180 |
| Noninterest expense to average assets | 2.4724% | 2,019 |
| Loan and lease loss provision to assets | -0.0015% | 4,364 |
| Net operating income to assets | 0.6280% | 3,547 |
| Return on assets (ROA) | 0.6280% | 3,495 |
| Pretax return on assets | 0.8326% | 3,247 |
| Return on Equity (ROE) | 6.7282% | 3,382 |
| Retained earnings to average equity (ytd only) | 6.2241% | 2,268 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8426% | 1,409 |
| Assets per employee ($millions) | 7.4832% | 1,617 |
| Cash dividends to net income (ytd only)* | 7.4921% | 2,814 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0340% | 3,449 |
| Loan loss allowance to noncurrent loans | 258.5492% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 1,717 |
| Noncurrent loans to loans | 0.3999% | 1,934 |
| Net loans and leases to total assets | 79.7765% | 426 |
| Net loans and leases to deposits | 88.0261% | 826 |
| Net loans and leases to core deposits | 110.1378% | 349 |
| Total domestic deposits to total assets | 90.6282% | 1,408 |
| Equity capital to assets | 8.9744% | 2,400 |
| Core capital (leverage) ratio | 9.5324% | 2,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9706% | 3,018 |
| Memoranda: |
| Average total assets | $403,818,667 | 2,038 |
| Average earning assets | $378,753,333 | 2,027 |
| Average equity | $37,692,000 | 2,087 |
| Average total loans | $320,273,000 | 1,631 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3580% | 2,217 |
| Cost of funding earning assets | 0.4465% | 670 |
| Net interest margin | 2.9115% | 2,798 |
| Noninterest income to average assets | 0.4695% | 2,300 |
| Noninterest expense to average assets | 2.5755% | 1,671 |
| Loan and lease loss provision to assets | -0.0545% | 4,522 |
| Net operating income to assets | 0.5159% | 3,666 |
| Return on assets (ROA) | 0.5159% | 3,636 |
| Pretax return on assets | 0.6805% | 3,444 |
| Return on Equity (ROE) | 5.4169% | 3,506 |
| Retained earnings to average equity (ytd only) | 4.8974% | 2,626 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4478% | 1,116 |
| Assets per employee ($millions) | 6.3376% | 2,516 |
| Cash dividends to net income (ytd only)* | 9.5890% | 2,159 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0703% | 3,456 |
| Loan loss allowance to noncurrent loans | 254.7742% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.3331% | 1,778 |
| Noncurrent loans to loans | 0.4201% | 1,981 |
| Net loans and leases to total assets | 78.4364% | 344 |
| Net loans and leases to deposits | 86.9088% | 681 |
| Net loans and leases to core deposits | 110.7089% | 244 |
| Total domestic deposits to total assets | 90.2514% | 1,413 |
| Equity capital to assets | 9.2812% | 2,459 |
| Core capital (leverage) ratio | 9.5859% | 2,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2820% | 3,013 |
| Memoranda: |
| Average total assets | $396,199,500 | 2,068 |
| Average earning assets | $371,766,500 | 2,064 |
| Average equity | $37,734,000 | 2,142 |
| Average total loans | $311,508,500 | 1,655 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6906% | 2,137 |
| Cost of funding earning assets | 0.5209% | 841 |
| Net interest margin | 3.1697% | 2,684 |
| Noninterest income to average assets | 0.5739% | 2,262 |
| Noninterest expense to average assets | 2.5766% | 1,931 |
| Loan and lease loss provision to assets | 0.1094% | 1,155 |
| Net operating income to assets | 0.6644% | 3,709 |
| Return on assets (ROA) | 0.6683% | 3,756 |
| Pretax return on assets | 0.8843% | 3,544 |
| Return on Equity (ROE) | 6.9519% | 3,527 |
| Retained earnings to average equity (ytd only) | 5.7454% | 2,459 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1766% | 1,497 |
| Assets per employee ($millions) | 6.4466% | 2,376 |
| Cash dividends to net income (ytd only)* | 17.3554% | 3,112 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1598% | 3,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 77.0273% | 442 |
| Net loans and leases to deposits | 85.8042% | 797 |
| Net loans and leases to core deposits | 111.0545% | 268 |
| Total domestic deposits to total assets | 89.7710% | 1,075 |
| Equity capital to assets | 9.7786% | 2,872 |
| Core capital (leverage) ratio | 9.8118% | 2,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8896% | 2,914 |
| Memoranda: |
| Average total assets | $362,102,200 | 2,142 |
| Average earning assets | $341,732,800 | 2,119 |
| Average equity | $34,810,600 | 2,300 |
| Average total loans | $284,373,200 | 1,769 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6923% | 2,294 |
| Cost of funding earning assets | 0.5433% | 859 |
| Net interest margin | 3.1490% | 2,900 |
| Noninterest income to average assets | 0.5694% | 2,338 |
| Noninterest expense to average assets | 2.5184% | 2,065 |
| Loan and lease loss provision to assets | 0.0753% | 1,544 |
| Net operating income to assets | 0.7259% | 3,704 |
| Return on assets (ROA) | 0.7312% | 3,753 |
| Pretax return on assets | 0.9571% | 3,571 |
| Return on Equity (ROE) | 7.6418% | 3,495 |
| Retained earnings to average equity (ytd only) | 6.4086% | 2,644 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9333% | 1,496 |
| Assets per employee ($millions) | 6.8502% | 1,978 |
| Cash dividends to net income (ytd only)* | 16.1373% | 2,727 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1433% | 3,238 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 75.7593% | 566 |
| Net loans and leases to deposits | 85.0523% | 885 |
| Net loans and leases to core deposits | 111.9218% | 289 |
| Total domestic deposits to total assets | 89.0738% | 1,237 |
| Equity capital to assets | 10.4644% | 2,476 |
| Core capital (leverage) ratio | 10.7109% | 1,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4597% | 2,562 |
| Memoranda: |
| Average total assets | $355,929,250 | 2,185 |
| Average earning assets | $336,224,750 | 2,173 |
| Average equity | $34,057,500 | 2,364 |
| Average total loans | $280,108,250 | 1,823 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5405% | 2,798 |
| Cost of funding earning assets | 0.5724% | 859 |
| Net interest margin | 2.9681% | 3,398 |
| Noninterest income to average assets | 0.6109% | 2,166 |
| Noninterest expense to average assets | 2.4437% | 2,332 |
| Loan and lease loss provision to assets | 0.0006% | 2,854 |
| Net operating income to assets | 0.7397% | 3,660 |
| Return on assets (ROA) | 0.7479% | 3,714 |
| Pretax return on assets | 0.9794% | 3,486 |
| Return on Equity (ROE) | 8.0885% | 3,388 |
| Retained earnings to average equity (ytd only) | 6.7869% | 2,507 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3902% | 1,488 |
| Assets per employee ($millions) | 7.0994% | 1,728 |
| Cash dividends to net income (ytd only)* | 16.0920% | 2,668 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0734% | 3,529 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 78.9366% | 383 |
| Net loans and leases to deposits | 87.3655% | 822 |
| Net loans and leases to core deposits | 109.6383% | 368 |
| Total domestic deposits to total assets | 90.3521% | 622 |
| Equity capital to assets | 9.1803% | 3,625 |
| Core capital (leverage) ratio | 9.2218% | 3,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0887% | 2,943 |
| Memoranda: |
| Average total assets | $348,984,667 | 2,206 |
| Average earning assets | $329,498,333 | 2,193 |
| Average equity | $32,268,000 | 2,439 |
| Average total loans | $277,233,000 | 1,848 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3435% | 3,355 |
| Cost of funding earning assets | 0.6271% | 770 |
| Net interest margin | 2.7164% | 3,929 |
| Noninterest income to average assets | 0.7487% | 1,718 |
| Noninterest expense to average assets | 2.5289% | 2,091 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5990% | 3,947 |
| Return on assets (ROA) | 0.6156% | 3,967 |
| Pretax return on assets | 0.8013% | 3,811 |
| Return on Equity (ROE) | 6.6326% | 3,695 |
| Retained earnings to average equity (ytd only) | 5.3111% | 3,121 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2090% | 1,115 |
| Assets per employee ($millions) | 7.1064% | 1,722 |
| Cash dividends to net income (ytd only)* | 19.9241% | 2,007 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0999% | 3,430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 80.0484% | 331 |
| Net loans and leases to deposits | 88.7342% | 781 |
| Net loans and leases to core deposits | 112.6610% | 350 |
| Total domestic deposits to total assets | 90.2115% | 720 |
| Equity capital to assets | 9.2808% | 3,418 |
| Core capital (leverage) ratio | 9.1766% | 3,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $342,442,500 | 2,226 |
| Average earning assets | $322,775,500 | 2,208 |
| Average equity | $31,782,500 | 2,447 |
| Average total loans | $271,396,500 | 1,872 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0378% | 2,614 |
| Cost of funding earning assets | 0.9141% | 818 |
| Net interest margin | 3.1237% | 3,575 |
| Noninterest income to average assets | 0.4552% | 2,846 |
| Noninterest expense to average assets | 2.7243% | 2,160 |
| Loan and lease loss provision to assets | 0.3644% | 919 |
| Net operating income to assets | 0.5652% | 3,857 |
| Return on assets (ROA) | 0.6146% | 3,823 |
| Pretax return on assets | 0.3757% | 4,451 |
| Return on Equity (ROE) | 5.8256% | 3,630 |
| Retained earnings to average equity (ytd only) | 4.4610% | 2,558 |
| Net charge-offs to loans | 0.0009% | 3,398 |
| Credit loss provision to net charge-offs | 53,150.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 1,007.5000% | 115 |
| Efficiency ratio | 79.5242% | 922 |
| Assets per employee ($millions) | 7.0140% | 1,580 |
| Cash dividends to net income (ytd only)* | 23.4244% | 3,109 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1879% | 3,011 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 76.5891% | 727 |
| Net loans and leases to deposits | 87.8501% | 1,101 |
| Net loans and leases to core deposits | 115.9311% | 368 |
| Total domestic deposits to total assets | 87.1816% | 1,852 |
| Equity capital to assets | 9.2814% | 3,806 |
| Core capital (leverage) ratio | 9.0610% | 3,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $291,744,400 | 2,336 |
| Average earning assets | $276,437,200 | 2,309 |
| Average equity | $30,777,800 | 2,445 |
| Average total loans | $224,959,600 | 2,072 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3312% | 2,014 |
| Cost of funding earning assets | 0.9901% | 792 |
| Net interest margin | 3.3411% | 3,071 |
| Noninterest income to average assets | 0.3441% | 3,413 |
| Noninterest expense to average assets | 2.6798% | 2,310 |
| Loan and lease loss provision to assets | 0.4139% | 827 |
| Net operating income to assets | 0.7548% | 3,269 |
| Return on assets (ROA) | 0.8232% | 3,129 |
| Pretax return on assets | 0.4915% | 4,295 |
| Return on Equity (ROE) | 7.5318% | 2,998 |
| Retained earnings to average equity (ytd only) | 6.1620% | 2,036 |
| Net charge-offs to loans | 0.0012% | 3,183 |
| Credit loss provision to net charge-offs | 43,550.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 880.5000% | 134 |
| Efficiency ratio | 75.9562% | 1,208 |
| Assets per employee ($millions) | 7.6662% | 1,135 |
| Cash dividends to net income (ytd only)* | 18.1871% | 2,873 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1369% | 2,997 |
| Loan loss allowance to noncurrent loans | 4,767.2131% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 4,388 |
| Noncurrent loans to loans | 0.0238% | 4,314 |
| Net loans and leases to total assets | 74.9700% | 1,238 |
| Net loans and leases to deposits | 84.0964% | 1,905 |
| Net loans and leases to core deposits | 110.8475% | 667 |
| Total domestic deposits to total assets | 89.1477% | 709 |
| Equity capital to assets | 9.2674% | 3,892 |
| Core capital (leverage) ratio | 9.9510% | 2,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $280,512,500 | 2,375 |
| Average earning assets | $266,371,000 | 2,346 |
| Average equity | $30,660,250 | 2,437 |
| Average total loans | $215,961,000 | 2,129 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9752% | 867 |
| Cost of funding earning assets | 1.1104% | 696 |
| Net interest margin | 3.8647% | 1,654 |
| Noninterest income to average assets | 0.2087% | 4,236 |
| Noninterest expense to average assets | 2.7257% | 2,305 |
| Loan and lease loss provision to assets | 0.5375% | 630 |
| Net operating income to assets | 1.1538% | 1,785 |
| Return on assets (ROA) | 1.2639% | 1,574 |
| Pretax return on assets | 0.7225% | 3,819 |
| Return on Equity (ROE) | 10.8535% | 1,681 |
| Retained earnings to average equity (ytd only) | 9.4746% | 885 |
| Net charge-offs to loans | 0.0020% | 2,946 |
| Credit loss provision to net charge-offs | 35,150.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 752.0000% | 127 |
| Efficiency ratio | 70.0927% | 1,944 |
| Assets per employee ($millions) | 7.2365% | 1,303 |
| Cash dividends to net income (ytd only)* | 12.7042% | 2,965 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1607% | 2,728 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 76.7678% | 1,027 |
| Net loans and leases to deposits | 91.5548% | 1,207 |
| Net loans and leases to core deposits | 119.3738% | 442 |
| Total domestic deposits to total assets | 83.8490% | 2,800 |
| Equity capital to assets | 10.2783% | 2,943 |
| Core capital (leverage) ratio | 10.6344% | 2,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $261,579,667 | 2,470 |
| Average earning assets | $248,192,000 | 2,431 |
| Average equity | $30,460,333 | 2,440 |
| Average total loans | $202,684,667 | 2,201 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1381% | 3,409 |
| Cost of funding earning assets | 1.2964% | 573 |
| Net interest margin | 2.8416% | 4,515 |
| Noninterest income to average assets | 0.1248% | 4,741 |
| Noninterest expense to average assets | 2.7737% | 2,504 |
| Loan and lease loss provision to assets | 0.3394% | 906 |
| Net operating income to assets | 1.3448% | 1,122 |
| Return on assets (ROA) | 1.5341% | 791 |
| Pretax return on assets | -0.0499% | 4,756 |
| Return on Equity (ROE) | 12.2643% | 1,040 |
| Retained earnings to average equity (ytd only) | 10.8676% | 586 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8786% | 278 |
| Assets per employee ($millions) | 6.3891% | 1,412 |
| Cash dividends to net income (ytd only)* | 11.3883% | 2,471 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1471% | 2,950 |
| Loan loss allowance to noncurrent loans | 74,766.6667% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 4,650 |
| Noncurrent loans to loans | 0.0015% | 4,582 |
| Net loans and leases to total assets | 75.6344% | 1,363 |
| Net loans and leases to deposits | 91.0403% | 1,402 |
| Net loans and leases to core deposits | 129.5717% | 275 |
| Total domestic deposits to total assets | 83.0779% | 3,083 |
| Equity capital to assets | 12.0263% | 2,045 |
| Core capital (leverage) ratio | 12.6677% | 1,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $240,403,500 | 2,556 |
| Average earning assets | $228,319,000 | 2,509 |
| Average equity | $30,071,000 | 2,449 |
| Average total loans | $185,996,000 | 2,297 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5002% | 2,941 |
| Cost of funding earning assets | 1.4547% | 456 |
| Net interest margin | 3.0455% | 4,459 |
| Noninterest income to average assets | 0.1821% | 4,579 |
| Noninterest expense to average assets | 2.7534% | 2,742 |
| Loan and lease loss provision to assets | 0.0901% | 2,220 |
| Net operating income to assets | 0.4866% | 4,433 |
| Return on assets (ROA) | 0.4759% | 4,500 |
| Pretax return on assets | 0.2335% | 4,865 |
| Return on Equity (ROE) | 4.0571% | 4,445 |
| Retained earnings to average equity (ytd only) | 3.6391% | 3,176 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7931% | 403 |
| Assets per employee ($millions) | 6.2567% | 1,447 |
| Cash dividends to net income (ytd only)* | 10.3042% | 3,744 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1555% | 2,669 |
| Loan loss allowance to noncurrent loans | 67,966.6667% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 4,688 |
| Noncurrent loans to loans | 0.0017% | 4,607 |
| Net loans and leases to total assets | 77.4345% | 1,174 |
| Net loans and leases to deposits | 93.3190% | 1,217 |
| Net loans and leases to core deposits | 130.4710% | 271 |
| Total domestic deposits to total assets | 82.9783% | 3,198 |
| Equity capital to assets | 13.0557% | 1,482 |
| Core capital (leverage) ratio | 12.7132% | 1,364 |
| Tier 1 risk-based capital ratio | 14.3042% | 3,118 |
| Total risk-based capital ratio | 15.3027% | 3,149 |
| Memoranda: |
| Average total assets | $214,136,200 | 2,716 |
| Average earning assets | $204,300,800 | 2,663 |
| Average equity | $25,116,200 | 2,712 |
| Average total loans | $166,631,200 | 2,450 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4968% | 3,068 |
| Cost of funding earning assets | 1.4554% | 475 |
| Net interest margin | 3.0415% | 4,572 |
| Noninterest income to average assets | 0.1874% | 4,597 |
| Noninterest expense to average assets | 2.6829% | 2,912 |
| Loan and lease loss provision to assets | 0.2277% | 747 |
| Net operating income to assets | 0.5482% | 4,405 |
| Return on assets (ROA) | 0.5211% | 4,519 |
| Pretax return on assets | 0.1564% | 5,012 |
| Return on Equity (ROE) | 4.5805% | 4,460 |
| Retained earnings to average equity (ytd only) | 4.5805% | 3,114 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3405% | 483 |
| Assets per employee ($millions) | 6.4085% | 1,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2518% | 2,227 |
| Loan loss allowance to noncurrent loans | 73,566.6667% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 4,775 |
| Noncurrent loans to loans | 0.0017% | 4,692 |
| Net loans and leases to total assets | 75.4631% | 1,572 |
| Net loans and leases to deposits | 90.3804% | 1,652 |
| Net loans and leases to core deposits | 126.0237% | 360 |
| Total domestic deposits to total assets | 83.4950% | 2,996 |
| Equity capital to assets | 12.7132% | 1,778 |
| Core capital (leverage) ratio | 13.3838% | 1,176 |
| Tier 1 risk-based capital ratio | 14.6334% | 3,011 |
| Total risk-based capital ratio | 15.7433% | 2,999 |
| Memoranda: |
| Average total assets | $211,359,750 | 2,757 |
| Average earning assets | $202,003,000 | 2,711 |
| Average equity | $24,043,500 | 2,805 |
| Average total loans | $164,175,500 | 2,488 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5443% | 2,871 |
| Cost of funding earning assets | 1.4520% | 447 |
| Net interest margin | 3.0923% | 4,548 |
| Noninterest income to average assets | 0.2255% | 4,395 |
| Noninterest expense to average assets | 2.7573% | 2,730 |
| Loan and lease loss provision to assets | 0.2567% | 596 |
| Net operating income to assets | 0.6832% | 4,056 |
| Return on assets (ROA) | 0.6413% | 4,239 |
| Pretax return on assets | 0.1191% | 5,062 |
| Return on Equity (ROE) | 5.8973% | 4,075 |
| Retained earnings to average equity (ytd only) | 5.8973% | 2,330 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4740% | 520 |
| Assets per employee ($millions) | 6.5443% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2523% | 2,238 |
| Loan loss allowance to noncurrent loans | 70,300.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 4,822 |
| Noncurrent loans to loans | 0.0018% | 4,733 |
| Net loans and leases to total assets | 77.0053% | 1,387 |
| Net loans and leases to deposits | 86.9245% | 2,142 |
| Net loans and leases to core deposits | 122.9324% | 459 |
| Total domestic deposits to total assets | 88.5888% | 837 |
| Equity capital to assets | 10.6977% | 3,344 |
| Core capital (leverage) ratio | 10.9424% | 2,650 |
| Tier 1 risk-based capital ratio | 12.0757% | 4,376 |
| Total risk-based capital ratio | 13.1874% | 4,337 |
| Memoranda: |
| Average total assets | $204,911,000 | 2,829 |
| Average earning assets | $195,452,330 | 2,779 |
| Average equity | $22,281,330 | 2,947 |
| Average total loans | $160,132,330 | 2,537 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5358% | 2,747 |
| Cost of funding earning assets | 1.3635% | 521 |
| Net interest margin | 3.1723% | 4,449 |
| Noninterest income to average assets | 0.2187% | 4,442 |
| Noninterest expense to average assets | 2.7525% | 2,733 |
| Loan and lease loss provision to assets | 0.4012% | 289 |
| Net operating income to assets | 0.0802% | 5,099 |
| Return on assets (ROA) | 0.0802% | 5,106 |
| Pretax return on assets | 0.0802% | 5,108 |
| Return on Equity (ROE) | 0.7316% | 5,097 |
| Retained earnings to average equity (ytd only) | 0.7316% | 4,377 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7395% | 657 |
| Assets per employee ($millions) | 6.5622% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2481% | 2,332 |
| Loan loss allowance to noncurrent loans | 51,150.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,890 |
| Noncurrent loans to loans | 0.0024% | 4,800 |
| Net loans and leases to total assets | 77.0884% | 1,305 |
| Net loans and leases to deposits | 86.7049% | 2,040 |
| Net loans and leases to core deposits | 121.6022% | 490 |
| Total domestic deposits to total assets | 88.9090% | 900 |
| Equity capital to assets | 10.4829% | 3,359 |
| Core capital (leverage) ratio | 11.4087% | 2,206 |
| Tier 1 risk-based capital ratio | 12.0054% | 4,455 |
| Total risk-based capital ratio | 13.1084% | 4,442 |
| Memoranda: |
| Average total assets | $199,385,000 | 2,906 |
| Average earning assets | $189,513,500 | 2,857 |
| Average equity | $21,870,500 | 2,987 |
| Average total loans | $155,992,500 | 2,626 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2714% | 3,209 |
| Cost of funding earning assets | 1.1057% | 481 |
| Net interest margin | 3.1657% | 4,546 |
| Noninterest income to average assets | 0.1357% | 5,027 |
| Noninterest expense to average assets | 3.2357% | 1,463 |
| Loan and lease loss provision to assets | 0.4244% | 309 |
| Net operating income to assets | -0.5473% | 5,320 |
| Return on assets (ROA) | -0.5473% | 5,313 |
| Pretax return on assets | -0.5473% | 5,314 |
| Return on Equity (ROE) | -4.0727% | 5,307 |
| Retained earnings to average equity (ytd only) | -4.0727% | 5,220 |
| Net charge-offs to loans | 0.0049% | 3,541 |
| Credit loss provision to net charge-offs | 11,516.6667% | 40 |
| Earnings coverage of net charge-offs (x) | -33.3333% | 3,770 |
| Efficiency ratio | 103.4530% | 116 |
| Assets per employee ($millions) | 5.5524% | 1,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2468% | 2,315 |
| Loan loss allowance to noncurrent loans | 46,150.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,922 |
| Noncurrent loans to loans | 0.0027% | 4,816 |
| Net loans and leases to total assets | 77.4526% | 1,360 |
| Net loans and leases to deposits | 88.1137% | 2,027 |
| Net loans and leases to core deposits | 114.9498% | 738 |
| Total domestic deposits to total assets | 87.9007% | 1,346 |
| Equity capital to assets | 11.5097% | 2,249 |
| Core capital (leverage) ratio | 11.9802% | 1,743 |
| Tier 1 risk-based capital ratio | 13.0329% | 3,833 |
| Total risk-based capital ratio | 14.1217% | 3,820 |
| Memoranda: |
| Average total assets | $162,808,800 | 3,242 |
| Average earning assets | $153,110,000 | 3,209 |
| Average equity | $21,877,400 | 2,905 |
| Average total loans | $122,328,200 | 2,970 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1126% | 3,592 |
| Cost of funding earning assets | 0.9888% | 624 |
| Net interest margin | 3.1238% | 4,667 |
| Noninterest income to average assets | 0.1535% | 5,010 |
| Noninterest expense to average assets | 3.3120% | 1,275 |
| Loan and lease loss provision to assets | 0.4742% | 248 |
| Net operating income to assets | -0.6900% | 5,405 |
| Return on assets (ROA) | -0.6900% | 5,400 |
| Pretax return on assets | -0.6900% | 5,401 |
| Return on Equity (ROE) | -4.9220% | 5,393 |
| Retained earnings to average equity (ytd only) | -4.9220% | 5,315 |
| Net charge-offs to loans | 0.0069% | 3,179 |
| Credit loss provision to net charge-offs | 9,266.6667% | 35 |
| Earnings coverage of net charge-offs (x) | -42.1650% | 3,479 |
| Efficiency ratio | 106.4463% | 102 |
| Assets per employee ($millions) | 5.1033% | 2,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2455% | 2,385 |
| Loan loss allowance to noncurrent loans | 42,775.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 5,023 |
| Noncurrent loans to loans | 0.0029% | 4,934 |
| Net loans and leases to total assets | 75.9543% | 1,667 |
| Net loans and leases to deposits | 86.5177% | 2,319 |
| Net loans and leases to core deposits | 113.4380% | 848 |
| Total domestic deposits to total assets | 87.7904% | 1,341 |
| Equity capital to assets | 11.9526% | 1,941 |
| Core capital (leverage) ratio | 13.2886% | 1,178 |
| Tier 1 risk-based capital ratio | 13.9226% | 3,410 |
| Total risk-based capital ratio | 14.9997% | 3,408 |
| Memoranda: |
| Average total assets | $156,316,000 | 3,349 |
| Average earning assets | $147,251,750 | 3,309 |
| Average equity | $21,914,750 | 2,922 |
| Average total loans | $115,895,000 | 3,069 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0048% | 3,771 |
| Cost of funding earning assets | 0.8496% | 920 |
| Net interest margin | 3.1552% | 4,602 |
| Noninterest income to average assets | 0.1102% | 5,234 |
| Noninterest expense to average assets | 3.4564% | 1,057 |
| Loan and lease loss provision to assets | 0.5279% | 213 |
| Net operating income to assets | -0.8960% | 5,468 |
| Return on assets (ROA) | -0.8960% | 5,463 |
| Pretax return on assets | -0.8960% | 5,462 |
| Return on Equity (ROE) | -6.0353% | 5,450 |
| Retained earnings to average equity (ytd only) | -6.0353% | 5,330 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.3963% | 91 |
| Assets per employee ($millions) | 4.8263% | 2,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2763% | 2,296 |
| Loan loss allowance to noncurrent loans | 2,128.7671% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 4,791 |
| Noncurrent loans to loans | 0.0600% | 4,653 |
| Net loans and leases to total assets | 77.8299% | 1,341 |
| Net loans and leases to deposits | 93.0832% | 1,461 |
| Net loans and leases to core deposits | 130.6629% | 319 |
| Total domestic deposits to total assets | 83.6133% | 3,213 |
| Equity capital to assets | 13.9800% | 936 |
| Core capital (leverage) ratio | 14.7841% | 720 |
| Tier 1 risk-based capital ratio | 15.6086% | 2,582 |
| Total risk-based capital ratio | 16.7004% | 2,593 |
| Memoranda: |
| Average total assets | $148,883,330 | 3,451 |
| Average earning assets | $140,531,000 | 3,405 |
| Average equity | $22,103,330 | 2,916 |
| Average total loans | $108,734,670 | 3,193 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9203% | 3,872 |
| Cost of funding earning assets | 0.7258% | 1,313 |
| Net interest margin | 3.1945% | 4,480 |
| Noninterest income to average assets | 0.1177% | 5,264 |
| Noninterest expense to average assets | 3.6139% | 857 |
| Loan and lease loss provision to assets | 0.6954% | 142 |
| Net operating income to assets | -1.1909% | 5,547 |
| Return on assets (ROA) | -1.1909% | 5,545 |
| Pretax return on assets | -1.1909% | 5,545 |
| Return on Equity (ROE) | -7.7819% | 5,522 |
| Retained earnings to average equity (ytd only) | -7.7819% | 5,301 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.3644% | 78 |
| Assets per employee ($millions) | 5.2794% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2593% | 2,463 |
| Loan loss allowance to noncurrent loans | 1,938.3562% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 4,864 |
| Noncurrent loans to loans | 0.0650% | 4,684 |
| Net loans and leases to total assets | 72.4684% | 2,094 |
| Net loans and leases to deposits | 88.2280% | 1,901 |
| Net loans and leases to core deposits | 109.3694% | 1,038 |
| Total domestic deposits to total assets | 82.1376% | 3,915 |
| Equity capital to assets | 14.3216% | 812 |
| Core capital (leverage) ratio | 15.9593% | 493 |
| Tier 1 risk-based capital ratio | 16.7289% | 2,201 |
| Total risk-based capital ratio | 17.7837% | 2,213 |
| Memoranda: |
| Average total assets | $146,104,000 | 3,516 |
| Average earning assets | $137,236,000 | 3,488 |
| Average equity | $22,359,500 | 2,922 |
| Average total loans | $102,224,000 | 3,321 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3351% | 5,039 |
| Cost of funding earning assets | 0.6353% | 1,385 |
| Net interest margin | 2.6998% | 5,278 |
| Noninterest income to average assets | 0.1056% | 5,393 |
| Noninterest expense to average assets | 4.9672% | 220 |
| Loan and lease loss provision to assets | 0.8732% | 127 |
| Net operating income to assets | -3.1588% | 5,651 |
| Return on assets (ROA) | -3.1588% | 5,651 |
| Pretax return on assets | -3.1588% | 5,654 |
| Return on Equity (ROE) | -13.0050% | 5,618 |
| Retained earnings to average equity (ytd only) | -13.0050% | 5,579 |
| Net charge-offs to loans | 0.0298% | 3,205 |
| Credit loss provision to net charge-offs | 4,777.7778% | 85 |
| Earnings coverage of net charge-offs (x) | -125.0556% | 4,121 |
| Efficiency ratio | 184.3241% | 13 |
| Assets per employee ($millions) | 5.1520% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2608% | 2,422 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 65.3612% | 3,176 |
| Net loans and leases to deposits | 79.6950% | 2,949 |
| Net loans and leases to core deposits | 95.6670% | 2,059 |
| Total domestic deposits to total assets | 82.0142% | 3,867 |
| Equity capital to assets | 16.3849% | 468 |
| Core capital (leverage) ratio | 18.2420% | 279 |
| Tier 1 risk-based capital ratio | 20.1669% | 1,284 |
| Total risk-based capital ratio | 21.1899% | 1,300 |
| Memoranda: |
| Average total assets | $98,486,000 | 4,265 |
| Average earning assets | $93,969,600 | 4,201 |
| Average equity | $23,921,600 | 2,767 |
| Average total loans | $60,403,000 | 4,195 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2423% | 5,180 |
| Cost of funding earning assets | 0.6075% | 1,480 |
| Net interest margin | 2.6348% | 5,382 |
| Noninterest income to average assets | 0.0921% | 5,503 |
| Noninterest expense to average assets | 5.1517% | 203 |
| Loan and lease loss provision to assets | 1.0581% | 99 |
| Net operating income to assets | -3.6105% | 5,723 |
| Return on assets (ROA) | -3.6105% | 5,723 |
| Pretax return on assets | -3.6105% | 5,724 |
| Return on Equity (ROE) | -13.1765% | 5,690 |
| Retained earnings to average equity (ytd only) | -13.1765% | 5,643 |
| Net charge-offs to loans | 0.0483% | 2,469 |
| Credit loss provision to net charge-offs | 3,689.4737% | 124 |
| Earnings coverage of net charge-offs (x) | -89.0095% | 3,792 |
| Efficiency ratio | 197.1545% | 10 |
| Assets per employee ($millions) | 4.7309% | 2,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2738% | 2,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 68.3295% | 2,793 |
| Net loans and leases to deposits | 86.6509% | 2,222 |
| Net loans and leases to core deposits | 110.6875% | 989 |
| Total domestic deposits to total assets | 78.8561% | 4,559 |
| Equity capital to assets | 20.8638% | 194 |
| Core capital (leverage) ratio | 22.8108% | 129 |
| Tier 1 risk-based capital ratio | 25.0957% | 740 |
| Total risk-based capital ratio | 26.1630% | 749 |
| Memoranda: |
| Average total assets | $88,331,500 | 4,498 |
| Average earning assets | $84,052,500 | 4,438 |
| Average equity | $24,204,000 | 2,763 |
| Average total loans | $52,483,500 | 4,435 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9991% | 5,437 |
| Cost of funding earning assets | 0.5539% | 1,754 |
| Net interest margin | 2.4451% | 5,539 |
| Noninterest income to average assets | 0.0751% | 5,583 |
| Noninterest expense to average assets | 5.5350% | 179 |
| Loan and lease loss provision to assets | 1.3262% | 76 |
| Net operating income to assets | -4.4665% | 5,774 |
| Return on assets (ROA) | -4.4665% | 5,774 |
| Pretax return on assets | -4.4665% | 5,774 |
| Return on Equity (ROE) | -14.6458% | 5,740 |
| Retained earnings to average equity (ytd only) | -14.6458% | 5,699 |
| Net charge-offs to loans | 0.1188% | 1,455 |
| Credit loss provision to net charge-offs | 2,038.4615% | 208 |
| Earnings coverage of net charge-offs (x) | -48.2692% | 3,504 |
| Efficiency ratio | 229.8851% | 10 |
| Assets per employee ($millions) | 4.0681% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2336% | 2,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 67.4881% | 2,879 |
| Net loans and leases to deposits | 90.2729% | 1,690 |
| Net loans and leases to core deposits | 113.7088% | 809 |
| Total domestic deposits to total assets | 74.7601% | 5,227 |
| Equity capital to assets | 24.9357% | 100 |
| Core capital (leverage) ratio | 26.4880% | 87 |
| Tier 1 risk-based capital ratio | 31.7267% | 416 |
| Total risk-based capital ratio | 32.8085% | 411 |
| Memoranda: |
| Average total assets | $79,928,330 | 4,665 |
| Average earning assets | $75,823,670 | 4,617 |
| Average equity | $24,375,670 | 2,743 |
| Average total loans | $43,783,670 | 4,692 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6947% | 5,647 |
| Cost of funding earning assets | 0.4640% | 2,386 |
| Net interest margin | 2.2307% | 5,687 |
| Noninterest income to average assets | 0.0563% | 5,712 |
| Noninterest expense to average assets | 6.3032% | 149 |
| Loan and lease loss provision to assets | 1.1931% | 67 |
| Net operating income to assets | -5.3296% | 5,848 |
| Return on assets (ROA) | -5.3296% | 5,848 |
| Pretax return on assets | -5.3296% | 5,847 |
| Return on Equity (ROE) | -15.5306% | 5,799 |
| Retained earnings to average equity (ytd only) | -15.5306% | 5,669 |
| Net charge-offs to loans | 0.1980% | 871 |
| Credit loss provision to net charge-offs | 1,325.0000% | 247 |
| Earnings coverage of net charge-offs (x) | -45.9375% | 2,934 |
| Efficiency ratio | 289.3506% | 10 |
| Assets per employee ($millions) | 3.4885% | 4,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3002% | 2,535 |
| Loan loss allowance to noncurrent loans | 4,681.8182% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 5,296 |
| Noncurrent loans to loans | 0.0278% | 5,106 |
| Net loans and leases to total assets | 48.7244% | 4,770 |
| Net loans and leases to deposits | 71.0761% | 3,685 |
| Net loans and leases to core deposits | 98.5232% | 1,616 |
| Total domestic deposits to total assets | 68.5524% | 5,668 |
| Equity capital to assets | 31.1560% | 61 |
| Core capital (leverage) ratio | 35.0622% | 58 |
| Tier 1 risk-based capital ratio | 45.7278% | 166 |
| Total risk-based capital ratio | 46.6739% | 164 |
| Memoranda: |
| Average total assets | $71,075,000 | 4,897 |
| Average earning assets | $67,243,500 | 4,849 |
| Average equity | $24,390,500 | 2,760 |
| Average total loans | $32,318,000 | 5,078 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.0617% | 5,883 |
| Cost of funding earning assets | 0.2491% | 4,574 |
| Net interest margin | 0.8125% | 5,888 |
| Noninterest income to average assets | 0.0626% | 5,744 |
| Noninterest expense to average assets | 5.6762% | 189 |
| Loan and lease loss provision to assets | 1.0515% | 97 |
| Net operating income to assets | -5.9662% | 5,907 |
| Return on assets (ROA) | -5.9662% | 5,907 |
| Pretax return on assets | -5.9662% | 5,907 |
| Return on Equity (ROE) | -14.4647% | 5,862 |
| Retained earnings to average equity (ytd only) | -14.4647% | 5,826 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 740.2597% | 2 |
| Assets per employee ($millions) | 2.6920% | 5,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2746% | 2,680 |
| Loan loss allowance to noncurrent loans | 2,278.5714% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 5,297 |
| Noncurrent loans to loans | 0.0559% | 5,026 |
| Net loans and leases to total assets | 39.9063% | 5,317 |
| Net loans and leases to deposits | 64.9646% | 4,336 |
| Net loans and leases to core deposits | 83.8668% | 3,037 |
| Total domestic deposits to total assets | 61.4278% | 5,813 |
| Equity capital to assets | 38.4123% | 50 |
| Core capital (leverage) ratio | 47.6714% | 39 |
| Tier 1 risk-based capital ratio | 63.9721% | 74 |
| Total risk-based capital ratio | 64.8325% | 74 |
| Memoranda: |
| Average total assets | $30,337,400 | 5,708 |
| Average earning assets | $26,091,000 | 5,724 |
| Average equity | $12,513,200 | 4,168 |
| Average total loans | $8,569,800 | 5,798 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.7396% | 5,961 |
| Cost of funding earning assets | 0.1849% | 5,222 |
| Net interest margin | 0.5547% | 5,965 |
| Noninterest income to average assets | 0.0535% | 5,828 |
| Noninterest expense to average assets | 5.0200% | 262 |
| Loan and lease loss provision to assets | 0.9089% | 115 |
| Net operating income to assets | -5.4299% | 5,977 |
| Return on assets (ROA) | -5.4299% | 5,977 |
| Pretax return on assets | -5.4299% | 5,976 |
| Return on Equity (ROE) | -12.5688% | 5,915 |
| Retained earnings to average equity (ytd only) | -12.5688% | 5,870 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,005.9524% | 2 |
| Assets per employee ($millions) | 2.2188% | 5,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1998% | 3,238 |
| 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 | 33.4014% | 5,645 |
| Net loans and leases to deposits | 71.3946% | 3,851 |
| Net loans and leases to core deposits | 113.7505% | 734 |
| Total domestic deposits to total assets | 46.7842% | 5,933 |
| Equity capital to assets | 53.1601% | 36 |
| Core capital (leverage) ratio | 61.1098% | 33 |
| Tier 1 risk-based capital ratio | 104.6297% | 38 |
| Total risk-based capital ratio | 105.4310% | 39 |
| Memoranda: |
| Average total assets | $22,443,000 | 5,875 |
| Average earning assets | $18,026,750 | 5,890 |
| Average equity | $9,695,750 | 4,680 |
| Average total loans | $4,455,500 | 5,930 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.1915% | 6,054 |
| Cost of funding earning assets | 0.0319% | 6,004 |
| Net interest margin | 0.1596% | 6,054 |
| Noninterest income to average assets | 0.0000% | 5,999 |
| Noninterest expense to average assets | 1.3487% | 5,922 |
| Loan and lease loss provision to assets | 0.2305% | 878 |
| Net operating income to assets | -1.4639% | 5,996 |
| Return on assets (ROA) | -1.4639% | 5,997 |
| Pretax return on assets | -1.4639% | 5,993 |
| Return on Equity (ROE) | -4.0681% | 5,915 |
| Retained earnings to average equity (ytd only) | -4.0681% | 5,696 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,170.0000% | 2 |
| Assets per employee ($millions) | 2.0342% | 5,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3514% | 2,523 |
| 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 | 4.7848% | 6,022 |
| Net loans and leases to deposits | 9.9516% | 6,016 |
| Net loans and leases to core deposits | 15.0967% | 5,998 |
| Total domestic deposits to total assets | 48.0811% | 6,010 |
| Equity capital to assets | 51.8894% | 36 |
| Core capital (leverage) ratio | 77.0235% | 29 |
| Tier 1 risk-based capital ratio | 205.4896% | 24 |
| Total risk-based capital ratio | 205.7504% | 24 |
| Memoranda: |
| Average total assets | $17,350,670 | 6,003 |
| Average earning assets | $12,532,670 | 6,020 |
| Average equity | $6,243,670 | 5,342 |
| Average total loans | $1,690,000 | 6,021 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5834% | 5,940 |
| Cost of funding earning assets | 0.3014% | 4,151 |
| Net interest margin | 2.2820% | 5,934 |
| Noninterest income to average assets | 9.6569% | 63 |
| Noninterest expense to average assets | 3.3056% | 1,589 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 8.3198% | 24 |
| Return on assets (ROA) | 8.3198% | 23 |
| Pretax return on assets | 8.3198% | 29 |
| Return on Equity (ROE) | 61.8357% | 15 |
| Retained earnings to average equity (ytd only) | 61.8357% | 8 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.4345% | 6,076 |
| Assets per employee ($millions) | 2.6755% | 5,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5099% | 135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 14.6421% | 6,043 |
| Net loans and leases to deposits | 17.1538% | 6,045 |
| Net loans and leases to core deposits | 17.1538% | 6,045 |
| Total domestic deposits to total assets | 85.3579% | 2,980 |
| Equity capital to assets | 14.5861% | 811 |
| Core capital (leverage) ratio | 14.0605% | 795 |
| Tier 1 risk-based capital ratio | 57.0750% | 98 |
| Total risk-based capital ratio | 58.3181% | 97 |
| Memoranda: |
| Average total assets | $10,769,500 | 6,106 |
| Average earning assets | $9,290,000 | 6,099 |
| Average equity | $1,449,000 | 6,092 |
| Average total loans | $1,795,000 | 6,083 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6591% | 5,945 |
| Cost of funding earning assets | 0.3599% | 3,585 |
| Net interest margin | 2.2992% | 5,944 |
| Noninterest income to average assets | 0.1544% | 5,646 |
| Noninterest expense to average assets | 6.3381% | 165 |
| Loan and lease loss provision to assets | 0.7805% | 125 |
| Net operating income to assets | -4.9916% | 6,177 |
| Return on assets (ROA) | -4.9916% | 6,177 |
| Pretax return on assets | -4.9916% | 6,176 |
| Return on Equity (ROE) | -34.2071% | 6,161 |
| Retained earnings to average equity (ytd only) | -34.2071% | 6,155 |
| Net charge-offs to loans | 3.5488% | 21 |
| Credit loss provision to net charge-offs | 97.8495% | 2,599 |
| Earnings coverage of net charge-offs (x) | -5.2796% | 4,404 |
| Efficiency ratio | 297.9839% | 4 |
| Assets per employee ($millions) | 2.7093% | 5,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8993% | 254 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 17.6156% | 6,084 |
| Net loans and leases to deposits | 20.1117% | 6,092 |
| Net loans and leases to core deposits | 20.1117% | 6,095 |
| Total domestic deposits to total assets | 87.5888% | 1,850 |
| Equity capital to assets | 12.3374% | 1,713 |
| Core capital (leverage) ratio | 11.7147% | 1,809 |
| Tier 1 risk-based capital ratio | 43.9369% | 184 |
| Total risk-based capital ratio | 45.1857% | 181 |
| Memoranda: |
| Average total assets | $11,659,600 | 6,163 |
| Average earning assets | $10,003,400 | 6,153 |
| Average equity | $1,701,400 | 6,128 |
| Average total loans | $2,620,600 | 6,142 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6889% | 6,025 |
| Cost of funding earning assets | 0.3655% | 3,598 |
| Net interest margin | 2.3235% | 6,021 |
| Noninterest income to average assets | 0.1686% | 5,637 |
| Noninterest expense to average assets | 6.0905% | 172 |
| Loan and lease loss provision to assets | 1.0226% | 64 |
| Net operating income to assets | -4.9443% | 6,262 |
| Return on assets (ROA) | -4.9443% | 6,262 |
| Pretax return on assets | -4.9443% | 6,260 |
| Return on Equity (ROE) | -32.7280% | 6,245 |
| Retained earnings to average equity (ytd only) | -32.7280% | 6,234 |
| Net charge-offs to loans | 4.5492% | 13 |
| Credit loss provision to net charge-offs | 95.7895% | 2,372 |
| Earnings coverage of net charge-offs (x) | -3.6738% | 4,112 |
| Efficiency ratio | 280.8290% | 8 |
| Assets per employee ($millions) | 2.6810% | 5,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3656% | 525 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 21.1675% | 6,122 |
| Net loans and leases to deposits | 24.5804% | 6,137 |
| Net loans and leases to core deposits | 24.5804% | 6,144 |
| Total domestic deposits to total assets | 86.1153% | 2,472 |
| Equity capital to assets | 13.7915% | 1,106 |
| Core capital (leverage) ratio | 13.2065% | 1,132 |
| Tier 1 risk-based capital ratio | 45.4937% | 178 |
| Total risk-based capital ratio | 46.7548% | 175 |
| Memoranda: |
| Average total assets | $11,865,250 | 6,249 |
| Average earning assets | $10,214,500 | 6,238 |
| Average equity | $1,792,500 | 6,207 |
| Average total loans | $2,784,250 | 6,226 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6062% | 6,112 |
| Cost of funding earning assets | 0.3614% | 3,677 |
| Net interest margin | 2.2448% | 6,126 |
| Noninterest income to average assets | 0.1633% | 5,726 |
| Noninterest expense to average assets | 2.8745% | 2,978 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.7840% | 6,239 |
| Return on assets (ROA) | -0.7840% | 6,245 |
| Pretax return on assets | -0.7840% | 6,234 |
| Return on Equity (ROE) | -5.0606% | 6,194 |
| Retained earnings to average equity (ytd only) | -5.0606% | 6,025 |
| Net charge-offs to loans | 0.4766% | 533 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -6.8571% | 3,833 |
| Efficiency ratio | 137.5000% | 62 |
| Assets per employee ($millions) | 3.0190% | 5,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9160% | 1,131 |
| Loan loss allowance to noncurrent loans | 39.3939% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 1.0931% | 2,323 |
| Noncurrent loans to loans | 4.8637% | 248 |
| Net loans and leases to total assets | 22.0437% | 6,191 |
| Net loans and leases to deposits | 26.1083% | 6,197 |
| Net loans and leases to core deposits | 26.1083% | 6,201 |
| Total domestic deposits to total assets | 84.4319% | 3,380 |
| Equity capital to assets | 15.4935% | 607 |
| Core capital (leverage) ratio | 14.9836% | 616 |
| Tier 1 risk-based capital ratio | 48.8512% | 158 |
| Total risk-based capital ratio | 50.1044% | 158 |
| Memoranda: |
| Average total assets | $12,245,670 | 6,324 |
| Average earning assets | $10,513,330 | 6,312 |
| Average equity | $1,897,000 | 6,270 |
| Average total loans | $2,937,330 | 6,299 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0564% | 5,833 |
| Cost of funding earning assets | 0.3482% | 3,877 |
| Net interest margin | 2.7082% | 5,789 |
| Noninterest income to average assets | 0.1946% | 5,546 |
| Noninterest expense to average assets | 3.0493% | 2,427 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.5839% | 6,263 |
| Return on assets (ROA) | -0.5839% | 6,273 |
| Pretax return on assets | -0.5839% | 6,258 |
| Return on Equity (ROE) | -3.7696% | 6,237 |
| Retained earnings to average equity (ytd only) | -3.7696% | 5,848 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.6842% | 106 |
| Assets per employee ($millions) | 3.1608% | 5,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0673% | 967 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 22.1071% | 6,247 |
| Net loans and leases to deposits | 26.0412% | 6,248 |
| Net loans and leases to core deposits | 26.0412% | 6,257 |
| Total domestic deposits to total assets | 84.8928% | 3,460 |
| Equity capital to assets | 15.0360% | 707 |
| Core capital (leverage) ratio | 15.1680% | 584 |
| Tier 1 risk-based capital ratio | 41.8354% | 236 |
| Total risk-based capital ratio | 43.0898% | 234 |
| Memoranda: |
| Average total assets | $12,330,500 | 6,393 |
| Average earning assets | $10,339,000 | 6,383 |
| Average equity | $1,910,000 | 6,328 |
| Average total loans | $3,049,000 | 6,369 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1558% | 5,893 |
| Cost of funding earning assets | 0.3601% | 4,136 |
| Net interest margin | 2.7957% | 5,814 |
| Noninterest income to average assets | 0.1998% | 5,661 |
| Noninterest expense to average assets | 3.0303% | 2,757 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.3746% | 6,264 |
| Return on assets (ROA) | -0.3746% | 6,263 |
| Pretax return on assets | -0.3746% | 6,246 |
| Return on Equity (ROE) | -2.3115% | 6,224 |
| Retained earnings to average equity (ytd only) | -2.3115% | 6,044 |
| Net charge-offs to loans | 1.4238% | 178 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -0.9184% | 4,791 |
| Efficiency ratio | 114.1066% | 170 |
| Assets per employee ($millions) | 3.0045% | 5,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8187% | 1,494 |
| Loan loss allowance to noncurrent loans | 49.1667% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 0.9985% | 2,751 |
| Noncurrent loans to loans | 3.6991% | 533 |
| Net loans and leases to total assets | 26.5019% | 6,270 |
| Net loans and leases to deposits | 31.6098% | 6,268 |
| Net loans and leases to core deposits | 31.6098% | 6,285 |
| Total domestic deposits to total assets | 83.8409% | 3,790 |
| Equity capital to assets | 15.9677% | 542 |
| Core capital (leverage) ratio | 15.7231% | 499 |
| Tier 1 risk-based capital ratio | 38.9566% | 251 |
| Total risk-based capital ratio | 40.1543% | 252 |
| Memoranda: |
| Average total assets | $12,012,000 | 6,485 |
| Average earning assets | $10,552,000 | 6,471 |
| Average equity | $1,946,800 | 6,411 |
| Average total loans | $3,441,400 | 6,458 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2017% | 5,896 |
| Cost of funding earning assets | 0.3642% | 4,193 |
| Net interest margin | 2.8376% | 5,809 |
| Noninterest income to average assets | 0.2221% | 5,600 |
| Noninterest expense to average assets | 3.0195% | 2,735 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.2887% | 6,312 |
| Return on assets (ROA) | -0.2887% | 6,307 |
| Pretax return on assets | -0.2887% | 6,288 |
| Return on Equity (ROE) | -1.7745% | 6,271 |
| Retained earnings to average equity (ytd only) | -1.7745% | 6,048 |
| Net charge-offs to loans | 1.8715% | 112 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -0.5307% | 4,502 |
| Efficiency ratio | 110.5691% | 212 |
| Assets per employee ($millions) | 2.3056% | 6,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7136% | 1,924 |
| Loan loss allowance to noncurrent loans | 49.1667% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 1.0409% | 2,883 |
| Noncurrent loans to loans | 3.4853% | 692 |
| Net loans and leases to total assets | 29.3546% | 6,275 |
| Net loans and leases to deposits | 35.3568% | 6,262 |
| Net loans and leases to core deposits | 35.3568% | 6,289 |
| Total domestic deposits to total assets | 83.0239% | 4,141 |
| Equity capital to assets | 16.8112% | 453 |
| Core capital (leverage) ratio | 16.8098% | 393 |
| Tier 1 risk-based capital ratio | 38.7368% | 261 |
| Total risk-based capital ratio | 39.9161% | 261 |
| Memoranda: |
| Average total assets | $12,010,500 | 6,565 |
| Average earning assets | $10,619,000 | 6,550 |
| Average equity | $1,953,750 | 6,484 |
| Average total loans | $3,490,750 | 6,535 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2143% | 5,930 |
| Cost of funding earning assets | 0.3530% | 4,405 |
| Net interest margin | 2.8613% | 5,796 |
| Noninterest income to average assets | 0.2300% | 5,556 |
| Noninterest expense to average assets | 2.9742% | 2,924 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.2136% | 6,327 |
| Return on assets (ROA) | -0.2136% | 6,337 |
| Pretax return on assets | -0.2136% | 6,321 |
| Return on Equity (ROE) | -1.3272% | 6,294 |
| Retained earnings to average equity (ytd only) | -1.3272% | 5,906 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7381% | 259 |
| Assets per employee ($millions) | 2.3830% | 6,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2897% | 279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 26.6471% | 6,401 |
| Net loans and leases to deposits | 31.9063% | 6,388 |
| Net loans and leases to core deposits | 31.9063% | 6,413 |
| Total domestic deposits to total assets | 83.5166% | 4,101 |
| Equity capital to assets | 16.3743% | 493 |
| Core capital (leverage) ratio | 15.9931% | 479 |
| Tier 1 risk-based capital ratio | 39.8163% | 247 |
| Total risk-based capital ratio | 41.0816% | 240 |
| Memoranda: |
| Average total assets | $12,171,330 | 6,630 |
| Average earning assets | $10,764,330 | 6,615 |
| Average equity | $1,959,000 | 6,544 |
| Average total loans | $3,506,670 | 6,601 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3459% | 5,759 |
| Cost of funding earning assets | 0.3718% | 4,295 |
| Net interest margin | 2.9741% | 5,583 |
| Noninterest income to average assets | 0.2927% | 5,033 |
| Noninterest expense to average assets | 2.9595% | 3,020 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0650% | 6,262 |
| Return on assets (ROA) | -0.0650% | 6,269 |
| Pretax return on assets | -0.0650% | 6,260 |
| Return on Equity (ROE) | -0.4075% | 6,252 |
| Retained earnings to average equity (ytd only) | -0.4075% | 5,626 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2472% | 419 |
| Assets per employee ($millions) | 2.4888% | 6,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0578% | 403 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 27.5153% | 6,430 |
| Net loans and leases to deposits | 32.6998% | 6,410 |
| Net loans and leases to core deposits | 32.6998% | 6,443 |
| Total domestic deposits to total assets | 84.1450% | 4,226 |
| Equity capital to assets | 15.7666% | 559 |
| Core capital (leverage) ratio | 15.6210% | 524 |
| Tier 1 risk-based capital ratio | 38.4179% | 264 |
| Total risk-based capital ratio | 39.6710% | 261 |
| Memoranda: |
| Average total assets | $12,299,500 | 6,701 |
| Average earning assets | $10,759,500 | 6,688 |
| Average equity | $1,963,000 | 6,605 |
| Average total loans | $3,618,500 | 6,672 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7375% | 5,013 |
| Cost of funding earning assets | 0.3767% | 4,873 |
| Net interest margin | 3.3608% | 4,431 |
| Noninterest income to average assets | 0.3556% | 4,757 |
| Noninterest expense to average assets | 3.3221% | 2,082 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.0260% | 6,240 |
| Return on assets (ROA) | -0.0260% | 6,277 |
| Pretax return on assets | -0.0260% | 6,252 |
| Return on Equity (ROE) | -0.1526% | 6,270 |
| Retained earnings to average equity (ytd only) | -0.1526% | 5,903 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7895% | 455 |
| Assets per employee ($millions) | 2.4310% | 6,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9150% | 518 |
| Loan loss allowance to noncurrent loans | 67.0807% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 1.3246% | 2,768 |
| Noncurrent loans to loans | 4.3455% | 625 |
| Net loans and leases to total assets | 29.5928% | 6,473 |
| Net loans and leases to deposits | 35.3687% | 6,449 |
| Net loans and leases to core deposits | 35.3687% | 6,490 |
| Total domestic deposits to total assets | 83.6693% | 4,291 |
| Equity capital to assets | 16.1580% | 504 |
| Core capital (leverage) ratio | 16.6117% | 405 |
| Tier 1 risk-based capital ratio | 37.9590% | 263 |
| Total risk-based capital ratio | 39.2153% | 260 |
| Memoranda: |
| Average total assets | $11,529,000 | 6,788 |
| Average earning assets | $10,087,000 | 6,774 |
| Average equity | $1,966,000 | 6,692 |
| Average total loans | $3,836,800 | 6,751 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7924% | 4,884 |
| Cost of funding earning assets | 0.3873% | 4,925 |
| Net interest margin | 3.4051% | 4,265 |
| Noninterest income to average assets | 0.3752% | 4,706 |
| Noninterest expense to average assets | 3.3413% | 1,975 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0235% | 6,265 |
| Return on assets (ROA) | 0.0235% | 6,323 |
| Pretax return on assets | 0.0235% | 6,299 |
| Return on Equity (ROE) | 0.1358% | 6,329 |
| Retained earnings to average equity (ytd only) | 0.1358% | 5,894 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3031% | 486 |
| Assets per employee ($millions) | 2.2208% | 6,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8346% | 654 |
| Loan loss allowance to noncurrent loans | 65.0602% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 1.4950% | 2,691 |
| Noncurrent loans to loans | 4.3570% | 767 |
| Net loans and leases to total assets | 33.3393% | 6,394 |
| Net loans and leases to deposits | 40.5921% | 6,366 |
| Net loans and leases to core deposits | 40.5921% | 6,431 |
| Total domestic deposits to total assets | 82.1326% | 4,875 |
| Equity capital to assets | 17.7323% | 349 |
| Core capital (leverage) ratio | 18.0410% | 298 |
| Tier 1 risk-based capital ratio | 39.0985% | 252 |
| Total risk-based capital ratio | 40.3693% | 249 |
| Memoranda: |
| Average total assets | $11,372,500 | 6,867 |
| Average earning assets | $9,984,750 | 6,855 |
| Average equity | $1,966,500 | 6,774 |
| Average total loans | $3,869,750 | 6,826 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7303% | 5,050 |
| Cost of funding earning assets | 0.3770% | 5,170 |
| Net interest margin | 3.3533% | 4,366 |
| Noninterest income to average assets | 0.3315% | 5,040 |
| Noninterest expense to average assets | 3.3328% | 1,987 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0523% | 6,360 |
| Return on assets (ROA) | -0.0523% | 6,409 |
| Pretax return on assets | -0.0523% | 6,398 |
| Return on Equity (ROE) | -0.3052% | 6,396 |
| Retained earnings to average equity (ytd only) | -0.3052% | 5,917 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5957% | 442 |
| Assets per employee ($millions) | 2.2252% | 6,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7495% | 749 |
| Loan loss allowance to noncurrent loans | 62.7907% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 1.5459% | 2,789 |
| Noncurrent loans to loans | 4.3788% | 816 |
| Net loans and leases to total assets | 34.3340% | 6,396 |
| Net loans and leases to deposits | 41.7350% | 6,340 |
| Net loans and leases to core deposits | 41.7350% | 6,413 |
| Total domestic deposits to total assets | 82.2668% | 4,954 |
| Equity capital to assets | 17.6523% | 349 |
| Core capital (leverage) ratio | 17.3315% | 340 |
| Tier 1 risk-based capital ratio | 38.4269% | 259 |
| Total risk-based capital ratio | 39.6791% | 252 |
| Memoranda: |
| Average total assets | $11,462,000 | 6,915 |
| Average earning assets | $10,079,670 | 6,904 |
| Average equity | $1,965,670 | 6,824 |
| Average total loans | $3,889,670 | 6,875 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7217% | 5,087 |
| Cost of funding earning assets | 0.3918% | 5,188 |
| Net interest margin | 3.3299% | 4,401 |
| Noninterest income to average assets | 0.3439% | 4,940 |
| Noninterest expense to average assets | 3.3018% | 2,083 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0344% | 6,384 |
| Return on assets (ROA) | -0.0344% | 6,442 |
| Pretax return on assets | -0.0344% | 6,433 |
| Return on Equity (ROE) | -0.2034% | 6,440 |
| Retained earnings to average equity (ytd only) | -0.2034% | 5,818 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0526% | 506 |
| Assets per employee ($millions) | 2.3432% | 6,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8206% | 806 |
| Loan loss allowance to noncurrent loans | 61.7143% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 1.4937% | 3,017 |
| Noncurrent loans to loans | 4.5704% | 903 |
| Net loans and leases to total assets | 31.7600% | 6,526 |
| Net loans and leases to deposits | 38.2072% | 6,499 |
| Net loans and leases to core deposits | 38.2072% | 6,556 |
| Total domestic deposits to total assets | 83.1256% | 4,815 |
| Equity capital to assets | 16.7805% | 452 |
| Core capital (leverage) ratio | 15.9604% | 465 |
| Tier 1 risk-based capital ratio | 38.0786% | 266 |
| Total risk-based capital ratio | 39.3376% | 263 |
| Memoranda: |
| Average total assets | $11,630,000 | 6,991 |
| Average earning assets | $10,210,500 | 6,980 |
| Average equity | $1,966,500 | 6,884 |
| Average total loans | $3,870,500 | 6,951 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7433% | 5,961 |
| Cost of funding earning assets | 0.5705% | 4,640 |
| Net interest margin | 3.1728% | 5,637 |
| Noninterest income to average assets | 0.2357% | 5,763 |
| Noninterest expense to average assets | 3.2824% | 2,387 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.2794% | 6,424 |
| Return on assets (ROA) | -0.2794% | 6,482 |
| Pretax return on assets | -0.2794% | 6,466 |
| Return on Equity (ROE) | -1.6178% | 6,428 |
| Retained earnings to average equity (ytd only) | -1.6178% | 6,106 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.3023% | 343 |
| Assets per employee ($millions) | 2.3088% | 6,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7607% | 861 |
| Loan loss allowance to noncurrent loans | 60.0000% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 1.5593% | 3,042 |
| Noncurrent loans to loans | 4.6012% | 920 |
| Net loans and leases to total assets | 32.9522% | 6,593 |
| Net loans and leases to deposits | 39.7492% | 6,565 |
| Net loans and leases to core deposits | 39.7492% | 6,626 |
| Total domestic deposits to total assets | 82.9002% | 4,761 |
| Equity capital to assets | 17.0392% | 409 |
| Core capital (leverage) ratio | 17.3167% | 327 |
| Tier 1 risk-based capital ratio | 38.0611% | 274 |
| Total risk-based capital ratio | 39.3189% | 268 |
| Memoranda: |
| Average total assets | $11,455,000 | 7,057 |
| Average earning assets | $9,991,200 | 7,045 |
| Average equity | $1,978,000 | 6,953 |
| Average total loans | $3,777,400 | 7,023 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7524% | 6,123 |
| Cost of funding earning assets | 0.6187% | 4,465 |
| Net interest margin | 3.1337% | 5,855 |
| Noninterest income to average assets | 0.2216% | 5,969 |
| Noninterest expense to average assets | 3.2771% | 2,336 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.3382% | 6,605 |
| Return on assets (ROA) | -0.3382% | 6,657 |
| Pretax return on assets | -0.3382% | 6,622 |
| Return on Equity (ROE) | -1.9523% | 6,565 |
| Retained earnings to average equity (ytd only) | -1.9523% | 6,391 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.5079% | 281 |
| Assets per employee ($millions) | 2.2810% | 6,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9703% | 741 |
| Loan loss allowance to noncurrent loans | 58.6957% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 1.6133% | 3,174 |
| Noncurrent loans to loans | 5.0605% | 889 |
| Net loans and leases to total assets | 30.9338% | 6,778 |
| Net loans and leases to deposits | 37.4642% | 6,770 |
| Net loans and leases to core deposits | 37.4642% | 6,821 |
| Total domestic deposits to total assets | 82.5690% | 4,808 |
| Equity capital to assets | 17.2731% | 423 |
| Core capital (leverage) ratio | 17.7334% | 316 |
| Tier 1 risk-based capital ratio | 40.0163% | 241 |
| Total risk-based capital ratio | 41.2756% | 235 |
| Memoranda: |
| Average total assets | $11,432,750 | 7,154 |
| Average earning assets | $9,913,500 | 7,142 |
| Average equity | $1,980,750 | 7,042 |
| Average total loans | $3,743,750 | 7,118 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7393% | 6,273 |
| Cost of funding earning assets | 0.6399% | 4,532 |
| Net interest margin | 3.0994% | 6,010 |
| Noninterest income to average assets | 0.2098% | 6,062 |
| Noninterest expense to average assets | 3.2687% | 2,392 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.3496% | 6,650 |
| Return on assets (ROA) | -0.3496% | 6,700 |
| Pretax return on assets | -0.3496% | 6,672 |
| Return on Equity (ROE) | -2.0158% | 6,621 |
| Retained earnings to average equity (ytd only) | -2.0158% | 6,362 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.9760% | 304 |
| Assets per employee ($millions) | 2.2012% | 6,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7544% | 987 |
| Loan loss allowance to noncurrent loans | 56.8421% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 1.7263% | 3,137 |
| Noncurrent loans to loans | 4.8457% | 1,048 |
| Net loans and leases to total assets | 34.6447% | 6,688 |
| Net loans and leases to deposits | 42.2821% | 6,631 |
| Net loans and leases to core deposits | 42.2821% | 6,721 |
| Total domestic deposits to total assets | 81.9371% | 5,158 |
| Equity capital to assets | 17.9448% | 349 |
| Core capital (leverage) ratio | 17.3489% | 336 |
| Tier 1 risk-based capital ratio | 39.0008% | 252 |
| Total risk-based capital ratio | 40.2646% | 244 |
| Memoranda: |
| Average total assets | $11,442,000 | 7,216 |
| Average earning assets | $10,002,000 | 7,201 |
| Average equity | $1,984,330 | 7,093 |
| Average total loans | $3,779,670 | 7,179 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7022% | 6,436 |
| Cost of funding earning assets | 0.6768% | 4,497 |
| Net interest margin | 3.0255% | 6,236 |
| Noninterest income to average assets | 0.2401% | 5,910 |
| Noninterest expense to average assets | 3.2590% | 2,416 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.4117% | 6,780 |
| Return on assets (ROA) | -0.4117% | 6,814 |
| Pretax return on assets | -0.4117% | 6,790 |
| Return on Equity (ROE) | -2.4133% | 6,716 |
| Retained earnings to average equity (ytd only) | -2.4133% | 6,327 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.4578% | 280 |
| Assets per employee ($millions) | 2.3354% | 6,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9356% | 886 |
| Loan loss allowance to noncurrent loans | 55.9585% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 1.6528% | 3,374 |
| Noncurrent loans to loans | 5.2460% | 1,041 |
| Net loans and leases to total assets | 30.5815% | 6,883 |
| Net loans and leases to deposits | 36.8829% | 6,859 |
| Net loans and leases to core deposits | 36.8829% | 6,913 |
| Total domestic deposits to total assets | 82.9151% | 4,963 |
| Equity capital to assets | 16.9821% | 431 |
| Core capital (leverage) ratio | 16.9241% | 361 |
| Tier 1 risk-based capital ratio | 39.9718% | 228 |
| Total risk-based capital ratio | 41.2417% | 225 |
| Memoranda: |
| Average total assets | $11,660,000 | 7,275 |
| Average earning assets | $10,048,000 | 7,262 |
| Average equity | $1,989,000 | 7,148 |
| Average total loans | $3,709,000 | 7,240 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1871% | 6,092 |
| Cost of funding earning assets | 0.8972% | 4,138 |
| Net interest margin | 3.2898% | 5,837 |
| Noninterest income to average assets | 0.2834% | 5,503 |
| Noninterest expense to average assets | 3.4918% | 1,998 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.3931% | 6,413 |
| Return on assets (ROA) | -0.3931% | 6,464 |
| Pretax return on assets | -0.3931% | 6,417 |
| Return on Equity (ROE) | -2.1357% | 6,349 |
| Retained earnings to average equity (ytd only) | -2.1357% | 6,174 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.6844% | 384 |
| Assets per employee ($millions) | 2.3286% | 6,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8885% | 902 |
| Loan loss allowance to noncurrent loans | 55.3846% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 1.6748% | 3,443 |
| Noncurrent loans to loans | 5.2153% | 1,048 |
| Net loans and leases to total assets | 31.1861% | 6,968 |
| Net loans and leases to deposits | 37.7286% | 6,955 |
| Net loans and leases to core deposits | 37.7286% | 7,009 |
| Total domestic deposits to total assets | 82.6591% | 4,897 |
| Equity capital to assets | 17.1348% | 435 |
| Core capital (leverage) ratio | 17.2444% | 351 |
| Tier 1 risk-based capital ratio | 39.4347% | 241 |
| Total risk-based capital ratio | 40.6997% | 237 |
| Memoranda: |
| Average total assets | $10,939,800 | 7,326 |
| Average earning assets | $9,362,200 | 7,319 |
| Average equity | $2,013,400 | 7,207 |
| Average total loans | $3,714,600 | 7,290 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3262% | 5,863 |
| Cost of funding earning assets | 0.9373% | 4,137 |
| Net interest margin | 3.3889% | 5,605 |
| Noninterest income to average assets | 0.2973% | 5,482 |
| Noninterest expense to average assets | 3.5302% | 1,858 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.3221% | 6,523 |
| Return on assets (ROA) | -0.3221% | 6,575 |
| Pretax return on assets | -0.3221% | 6,515 |
| Return on Equity (ROE) | -1.7180% | 6,454 |
| Retained earnings to average equity (ytd only) | -1.7180% | 6,264 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0386% | 428 |
| Assets per employee ($millions) | 2.1774% | 7,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8900% | 941 |
| Loan loss allowance to noncurrent loans | 54.2714% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 1.8279% | 3,358 |
| Noncurrent loans to loans | 5.3251% | 1,135 |
| Net loans and leases to total assets | 33.3333% | 6,986 |
| Net loans and leases to deposits | 41.0056% | 6,946 |
| Net loans and leases to core deposits | 41.0056% | 7,008 |
| Total domestic deposits to total assets | 81.2896% | 5,340 |
| Equity capital to assets | 18.4808% | 346 |
| Core capital (leverage) ratio | 19.1182% | 257 |
| Tier 1 risk-based capital ratio | 40.9276% | 232 |
| Total risk-based capital ratio | 42.1888% | 230 |
| Memoranda: |
| Average total assets | $10,764,000 | 7,405 |
| Average earning assets | $9,245,750 | 7,397 |
| Average equity | $2,018,000 | 7,277 |
| Average total loans | $3,708,500 | 7,364 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1946% | 6,284 |
| Cost of funding earning assets | 0.9228% | 4,499 |
| Net interest margin | 3.2718% | 5,934 |
| Noninterest income to average assets | 0.2984% | 5,500 |
| Noninterest expense to average assets | 3.5624% | 1,831 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.3544% | 6,583 |
| Return on assets (ROA) | -0.3544% | 6,613 |
| Pretax return on assets | -0.3544% | 6,568 |
| Return on Equity (ROE) | -1.8812% | 6,504 |
| Retained earnings to average equity (ytd only) | -1.8812% | 6,231 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.0465% | 463 |
| Assets per employee ($millions) | 2.6125% | 6,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8257% | 1,056 |
| Loan loss allowance to noncurrent loans | 53.4653% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 1.9330% | 3,332 |
| Noncurrent loans to loans | 5.2852% | 1,217 |
| Net loans and leases to total assets | 35.5407% | 6,984 |
| Net loans and leases to deposits | 44.1197% | 6,918 |
| Net loans and leases to core deposits | 44.1197% | 7,000 |
| Total domestic deposits to total assets | 80.5550% | 5,673 |
| Equity capital to assets | 19.2344% | 305 |
| Core capital (leverage) ratio | 18.6353% | 292 |
| Tier 1 risk-based capital ratio | 41.2646% | 225 |
| Total risk-based capital ratio | 42.5375% | 222 |
| Memoranda: |
| Average total assets | $10,723,000 | 7,483 |
| Average earning assets | $9,536,000 | 7,470 |
| Average equity | $2,020,000 | 7,343 |
| Average total loans | $3,699,000 | 7,440 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1346% | 6,431 |
| Cost of funding earning assets | 0.9096% | 4,854 |
| Net interest margin | 3.2250% | 5,994 |
| Noninterest income to average assets | 0.3315% | 5,248 |
| Noninterest expense to average assets | 3.4992% | 2,001 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2947% | 6,656 |
| Return on assets (ROA) | -0.2947% | 6,670 |
| Pretax return on assets | -0.2947% | 6,617 |
| Return on Equity (ROE) | -1.5802% | 6,545 |
| Retained earnings to average equity (ytd only) | -1.5802% | 6,084 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.1954% | 520 |
| Assets per employee ($millions) | 2.7310% | 6,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0725% | 857 |
| Loan loss allowance to noncurrent loans | 52.9412% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 1.8674% | 3,473 |
| Noncurrent loans to loans | 5.8037% | 1,111 |
| Net loans and leases to total assets | 31.1882% | 7,200 |
| Net loans and leases to deposits | 38.3455% | 7,160 |
| Net loans and leases to core deposits | 38.3455% | 7,214 |
| Total domestic deposits to total assets | 81.3347% | 5,556 |
| Equity capital to assets | 18.5005% | 329 |
| Core capital (leverage) ratio | 17.7921% | 340 |
| Tier 1 risk-based capital ratio | 43.7257% | 192 |
| Total risk-based capital ratio | 44.9805% | 188 |
| Memoranda: |
| Average total assets | $10,859,500 | 7,537 |
| Average earning assets | $9,674,500 | 7,526 |
| Average equity | $2,025,000 | 7,391 |
| Average total loans | $3,637,500 | 7,500 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2415% | 6,872 |
| Cost of funding earning assets | 0.9103% | 6,131 |
| Net interest margin | 3.3312% | 5,868 |
| Noninterest income to average assets | 0.2585% | 5,953 |
| Noninterest expense to average assets | 3.5562% | 2,045 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.3298% | 6,245 |
| Return on assets (ROA) | -0.3298% | 6,277 |
| Pretax return on assets | -0.3298% | 6,187 |
| Return on Equity (ROE) | -1.8049% | 6,152 |
| Retained earnings to average equity (ytd only) | -1.8049% | 5,940 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2210% | 530 |
| Assets per employee ($millions) | 2.6988% | 6,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8723% | 982 |
| Loan loss allowance to noncurrent loans | 52.4272% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 1.9083% | 3,459 |
| Noncurrent loans to loans | 5.4787% | 1,202 |
| Net loans and leases to total assets | 33.8305% | 7,233 |
| Net loans and leases to deposits | 41.7897% | 7,193 |
| Net loans and leases to core deposits | 41.7897% | 7,264 |
| Total domestic deposits to total assets | 80.9541% | 5,537 |
| Equity capital to assets | 18.7957% | 323 |
| Core capital (leverage) ratio | 18.5314% | 302 |
| Tier 1 risk-based capital ratio | 42.5545% | 201 |
| Total risk-based capital ratio | 43.8129% | 193 |
| Memoranda: |
| Average total assets | $11,219,800 | 7,612 |
| Average earning assets | $9,996,400 | 7,601 |
| Average equity | $2,050,000 | 7,497 |
| Average total loans | $3,992,400 | 7,575 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2866% | 6,982 |
| Cost of funding earning assets | 0.9101% | 6,357 |
| Net interest margin | 3.3765% | 5,760 |
| Noninterest income to average assets | 0.2825% | 5,852 |
| Noninterest expense to average assets | 3.5434% | 1,927 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.2472% | 6,380 |
| Return on assets (ROA) | -0.2472% | 6,428 |
| Pretax return on assets | -0.2472% | 6,361 |
| Return on Equity (ROE) | -1.3624% | 6,321 |
| Retained earnings to average equity (ytd only) | -1.3624% | 6,070 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.5000% | 566 |
| Assets per employee ($millions) | 2.7245% | 6,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6739% | 1,109 |
| Loan loss allowance to noncurrent loans | 51.9231% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 1.9086% | 3,599 |
| Noncurrent loans to loans | 5.1498% | 1,328 |
| Net loans and leases to total assets | 36.0708% | 7,261 |
| Net loans and leases to deposits | 44.5237% | 7,221 |
| Net loans and leases to core deposits | 44.5237% | 7,301 |
| Total domestic deposits to total assets | 81.0149% | 5,360 |
| Equity capital to assets | 18.7649% | 364 |
| Core capital (leverage) ratio | 18.8462% | 305 |
| Tier 1 risk-based capital ratio | 39.9258% | 248 |
| Total risk-based capital ratio | 41.1948% | 244 |
| Memoranda: |
| Average total assets | $11,326,000 | 7,714 |
| Average earning assets | $10,108,750 | 7,701 |
| Average equity | $2,055,250 | 7,588 |
| Average total loans | $4,050,500 | 7,675 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1734% | 7,205 |
| Cost of funding earning assets | 0.9123% | 6,528 |
| Net interest margin | 3.2611% | 6,130 |
| Noninterest income to average assets | 0.2965% | 5,775 |
| Noninterest expense to average assets | 3.4878% | 2,057 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.2616% | 6,429 |
| Return on assets (ROA) | -0.2616% | 6,472 |
| Pretax return on assets | -0.2616% | 6,385 |
| Return on Equity (ROE) | -1.4573% | 6,368 |
| Retained earnings to average equity (ytd only) | -1.4573% | 6,053 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.1081% | 585 |
| Assets per employee ($millions) | 2.7785% | 6,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5562% | 1,233 |
| Loan loss allowance to noncurrent loans | 51.4286% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 1.8895% | 3,634 |
| Noncurrent loans to loans | 4.9704% | 1,394 |
| Net loans and leases to total assets | 37.0434% | 7,317 |
| Net loans and leases to deposits | 45.5320% | 7,269 |
| Net loans and leases to core deposits | 45.5320% | 7,370 |
| Total domestic deposits to total assets | 81.3568% | 5,266 |
| Equity capital to assets | 18.4632% | 381 |
| Core capital (leverage) ratio | 17.8094% | 373 |
| Tier 1 risk-based capital ratio | 38.9300% | 266 |
| Total risk-based capital ratio | 40.1821% | 259 |
| Memoranda: |
| Average total assets | $11,468,670 | 7,781 |
| Average earning assets | $10,303,330 | 7,766 |
| Average equity | $2,058,670 | 7,652 |
| Average total loans | $4,054,330 | 7,742 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0188% | 7,439 |
| Cost of funding earning assets | 0.9186% | 6,698 |
| Net interest margin | 3.1002% | 6,594 |
| Noninterest income to average assets | 0.3435% | 5,393 |
| Noninterest expense to average assets | 3.4347% | 2,141 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.3091% | 6,677 |
| Return on assets (ROA) | -0.3091% | 6,728 |
| Pretax return on assets | -0.3091% | 6,647 |
| Return on Equity (ROE) | -1.7459% | 6,610 |
| Retained earnings to average equity (ytd only) | -1.7459% | 6,167 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.8901% | 601 |
| Assets per employee ($millions) | 2.9350% | 6,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7088% | 1,078 |
| Loan loss allowance to noncurrent loans | 50.9434% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 1.8058% | 3,777 |
| Noncurrent loans to loans | 5.3173% | 1,330 |
| Net loans and leases to total assets | 33.0409% | 7,531 |
| Net loans and leases to deposits | 40.1511% | 7,515 |
| Net loans and leases to core deposits | 40.1511% | 7,574 |
| Total domestic deposits to total assets | 82.2913% | 4,935 |
| Equity capital to assets | 17.5213% | 469 |
| Core capital (leverage) ratio | 17.2033% | 440 |
| Tier 1 risk-based capital ratio | 40.5960% | 242 |
| Total risk-based capital ratio | 41.8591% | 237 |
| Memoranda: |
| Average total assets | $11,646,000 | 7,881 |
| Average earning assets | $10,451,000 | 7,868 |
| Average equity | $2,062,000 | 7,739 |
| Average total loans | $3,969,000 | 7,846 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6511% | 7,210 |
| Cost of funding earning assets | 1.2245% | 6,574 |
| Net interest margin | 3.4266% | 5,265 |
| Noninterest income to average assets | 0.3617% | 5,501 |
| Noninterest expense to average assets | 3.6079% | 2,118 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.2351% | 5,881 |
| Return on assets (ROA) | -0.2351% | 5,879 |
| Pretax return on assets | -0.2351% | 5,743 |
| Return on Equity (ROE) | -1.2453% | 5,730 |
| Retained earnings to average equity (ytd only) | -1.2453% | 5,326 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9705% | 873 |
| Assets per employee ($millions) | 2.8880% | 6,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7335% | 989 |
| Loan loss allowance to noncurrent loans | 50.7042% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 1.8438% | 3,606 |
| Noncurrent loans to loans | 5.3910% | 1,212 |
| Net loans and leases to total assets | 33.2670% | 7,621 |
| Net loans and leases to deposits | 40.6452% | 7,605 |
| Net loans and leases to core deposits | 42.2726% | 7,731 |
| Total domestic deposits to total assets | 81.8473% | 5,013 |
| Equity capital to assets | 17.8930% | 455 |
| Core capital (leverage) ratio | 18.0650% | 404 |
| Tier 1 risk-based capital ratio | 40.8337% | 240 |
| Total risk-based capital ratio | 42.0980% | 232 |
| Memoranda: |
| Average total assets | $11,059,200 | 7,958 |
| Average earning assets | $9,718,200 | 7,946 |
| Average equity | $2,087,800 | 7,829 |
| Average total loans | $4,174,600 | 7,913 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8767% | 6,942 |
| Cost of funding earning assets | 1.2892% | 6,587 |
| Net interest margin | 3.5874% | 4,527 |
| Noninterest income to average assets | 0.4023% | 5,263 |
| Noninterest expense to average assets | 3.5478% | 2,153 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.0244% | 5,748 |
| Return on assets (ROA) | -0.0244% | 5,813 |
| Pretax return on assets | -0.0244% | 5,746 |
| Return on Equity (ROE) | -0.1276% | 5,797 |
| Retained earnings to average equity (ytd only) | -0.1276% | 5,238 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6920% | 1,028 |
| Assets per employee ($millions) | 2.6848% | 6,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5844% | 980 |
| Loan loss allowance to noncurrent loans | 50.7042% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 1.9834% | 3,369 |
| Noncurrent loans to loans | 5.0969% | 1,272 |
| Net loans and leases to total assets | 37.9086% | 7,552 |
| Net loans and leases to deposits | 47.2164% | 7,529 |
| Net loans and leases to core deposits | 49.2857% | 7,704 |
| Total domestic deposits to total assets | 80.2868% | 5,339 |
| Equity capital to assets | 19.4618% | 375 |
| Core capital (leverage) ratio | 18.9449% | 383 |
| Tier 1 risk-based capital ratio | 40.7407% | 275 |
| Total risk-based capital ratio | 41.9883% | 270 |
| Memoranda: |
| Average total assets | $10,936,000 | 8,043 |
| Average earning assets | $9,514,500 | 8,030 |
| Average equity | $2,093,000 | 7,904 |
| Average total loans | $4,230,500 | 7,989 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0009% | 6,768 |
| Cost of funding earning assets | 1.3127% | 6,763 |
| Net interest margin | 3.6881% | 4,006 |
| Noninterest income to average assets | 0.3818% | 5,449 |
| Noninterest expense to average assets | 3.5086% | 2,313 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.0545% | 5,698 |
| Return on assets (ROA) | 0.0545% | 5,789 |
| Pretax return on assets | 0.0909% | 5,697 |
| Return on Equity (ROE) | 0.2865% | 5,843 |
| Retained earnings to average equity (ytd only) | 0.2865% | 5,104 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4747% | 1,293 |
| Assets per employee ($millions) | 2.7285% | 6,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6753% | 768 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 1.9791% | 3,225 |
| Noncurrent loans to loans | 5.3505% | 1,103 |
| Net loans and leases to total assets | 35.9996% | 7,706 |
| Net loans and leases to deposits | 44.6630% | 7,682 |
| Net loans and leases to core deposits | 46.5742% | 7,825 |
| Total domestic deposits to total assets | 80.6029% | 5,231 |
| Equity capital to assets | 19.1955% | 439 |
| Core capital (leverage) ratio | 19.3802% | 394 |
| Tier 1 risk-based capital ratio | 42.1614% | 265 |
| Total risk-based capital ratio | 43.4293% | 263 |
| Memoranda: |
| Average total assets | $11,001,670 | 8,133 |
| Average earning assets | $9,598,330 | 8,118 |
| Average equity | $2,094,000 | 7,982 |
| Average total loans | $4,247,670 | 8,077 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1764% | 6,389 |
| Cost of funding earning assets | 1.3557% | 6,857 |
| Net interest margin | 3.8207% | 3,370 |
| Noninterest income to average assets | 0.3621% | 5,544 |
| Noninterest expense to average assets | 3.5852% | 1,896 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1086% | 5,957 |
| Return on assets (ROA) | 0.1086% | 6,120 |
| Pretax return on assets | 0.1449% | 6,063 |
| Return on Equity (ROE) | 0.5732% | 6,258 |
| Retained earnings to average equity (ytd only) | 0.5732% | 5,430 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1165% | 1,316 |
| Assets per employee ($millions) | 2.7260% | 6,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5287% | 745 |
| Loan loss allowance to noncurrent loans | 49.0909% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 2.0176% | 2,876 |
| Noncurrent loans to loans | 5.1510% | 1,045 |
| Net loans and leases to total assets | 38.1787% | 7,658 |
| Net loans and leases to deposits | 47.3768% | 7,609 |
| Net loans and leases to core deposits | 49.3949% | 7,804 |
| Total domestic deposits to total assets | 80.5851% | 5,139 |
| Equity capital to assets | 19.2131% | 466 |
| Core capital (leverage) ratio | 18.5251% | 496 |
| Tier 1 risk-based capital ratio | 41.0784% | 299 |
| Total risk-based capital ratio | 42.3333% | 294 |
| Memoranda: |
| Average total assets | $11,045,500 | 8,180 |
| Average earning assets | $9,736,500 | 8,166 |
| Average equity | $2,093,500 | 8,037 |
| Average total loans | $4,353,000 | 8,125 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5323% | 7,222 |
| Cost of funding earning assets | 1.7060% | 7,246 |
| Net interest margin | 3.8264% | 3,911 |
| Noninterest income to average assets | 0.3429% | 5,993 |
| Noninterest expense to average assets | 3.6137% | 2,111 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1846% | 5,895 |
| Return on assets (ROA) | 0.1846% | 5,724 |
| Pretax return on assets | 0.2198% | 5,690 |
| Return on Equity (ROE) | 0.9985% | 5,915 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,238 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2661% | 1,264 |
| Assets per employee ($millions) | 2.7968% | 6,566 |
| Cash dividends to net income (ytd only)* | 100.0000% | 979 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4352% | 734 |
| Loan loss allowance to noncurrent loans | 48.4305% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 1.9934% | 2,473 |
| Noncurrent loans to loans | 5.0282% | 872 |
| Net loans and leases to total assets | 38.6788% | 7,734 |
| Net loans and leases to deposits | 47.7067% | 7,720 |
| Net loans and leases to core deposits | 49.6614% | 7,895 |
| Total domestic deposits to total assets | 81.0762% | 4,606 |
| Equity capital to assets | 18.7003% | 578 |
| Core capital (leverage) ratio | 18.0563% | 600 |
| Tier 1 risk-based capital ratio | 39.6588% | 348 |
| Total risk-based capital ratio | 40.9100% | 342 |
| Memoranda: |
| Average total assets | $11,373,400 | 8,228 |
| Average earning assets | $10,375,400 | 8,210 |
| Average equity | $2,103,200 | 8,103 |
| Average total loans | $4,967,200 | 8,164 |
