| 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 | 3.9841% | 3,876 |
| Cost of funding earning assets | 0.6529% | 3,858 |
| Net interest margin | 3.3311% | 2,617 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.6490% | 1,804 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7603% | 3,132 |
| Return on assets (ROA) | 0.7603% | 3,130 |
| Pretax return on assets | 1.0011% | 2,861 |
| Return on Equity (ROE) | 11.1400% | 2,341 |
| Retained earnings to average equity (ytd only) | 9.1778% | 1,642 |
| Net charge-offs to loans | 0.1883% | 466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 13.4720% | 2,034 |
| Efficiency ratio | 72.5733% | 1,504 |
| Assets per employee ($millions) | 7.1794% | 1,832 |
| Cash dividends to net income (ytd only)* | 17.5919% | 2,547 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6392% | 806 |
| Loan loss allowance to noncurrent loans | 366.1800% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 2,425 |
| Noncurrent loans to loans | 0.4476% | 1,704 |
| Net loans and leases to total assets | 38.1200% | 4,125 |
| Net loans and leases to deposits | 42.0995% | 4,161 |
| Net loans and leases to core deposits | 44.1029% | 4,171 |
| Total domestic deposits to total assets | 90.5400% | 792 |
| Equity capital to assets | 6.0582% | 3,967 |
| Core capital (leverage) ratio | 10.4985% | 2,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8673% | 498 |
| Memoranda: |
| Average total assets | $224,284,000 | 2,833 |
| Average earning assets | $204,810,750 | 2,844 |
| Average equity | $15,312,000 | 3,222 |
| Average total loans | $88,526,250 | 3,309 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9341% | 3,813 |
| Cost of funding earning assets | 0.6091% | 3,726 |
| Net interest margin | 3.3250% | 2,698 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 2.6873% | 1,671 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7652% | 3,177 |
| Return on assets (ROA) | 0.7652% | 3,191 |
| Pretax return on assets | 1.0088% | 2,888 |
| Return on Equity (ROE) | 10.7700% | 2,485 |
| Retained earnings to average equity (ytd only) | 7.8942% | 1,996 |
| Net charge-offs to loans | 0.1418% | 540 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 17.9032% | 1,781 |
| Efficiency ratio | 72.7072% | 1,488 |
| Assets per employee ($millions) | 6.6985% | 2,135 |
| Cash dividends to net income (ytd only)* | 26.7221% | 2,196 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7569% | 671 |
| Loan loss allowance to noncurrent loans | 524.4147% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.1353% | 2,601 |
| Noncurrent loans to loans | 0.3350% | 1,930 |
| Net loans and leases to total assets | 39.6700% | 4,050 |
| Net loans and leases to deposits | 43.8394% | 4,106 |
| Net loans and leases to core deposits | 45.9395% | 4,132 |
| Total domestic deposits to total assets | 90.4800% | 786 |
| Equity capital to assets | 7.1866% | 3,697 |
| Core capital (leverage) ratio | 10.4327% | 2,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6699% | 450 |
| Memoranda: |
| Average total assets | $220,072,000 | 2,871 |
| Average earning assets | $200,963,000 | 2,883 |
| Average equity | $15,631,667 | 3,219 |
| Average total loans | $87,430,333 | 3,328 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7528% | 3,940 |
| Cost of funding earning assets | 0.5042% | 3,673 |
| Net interest margin | 3.2486% | 2,999 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 2.7379% | 1,577 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7669% | 3,306 |
| Return on assets (ROA) | 0.7669% | 3,256 |
| Pretax return on assets | 1.0128% | 2,952 |
| Return on Equity (ROE) | 10.8600% | 2,531 |
| Retained earnings to average equity (ytd only) | 10.8614% | 1,499 |
| Net charge-offs to loans | 0.0370% | 994 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 69.5000% | 951 |
| Efficiency ratio | 72.9966% | 1,434 |
| Assets per employee ($millions) | 7.0902% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8508% | 601 |
| Loan loss allowance to noncurrent loans | 648.8000% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 2,753 |
| Noncurrent loans to loans | 0.2853% | 2,125 |
| Net loans and leases to total assets | 37.9100% | 4,120 |
| Net loans and leases to deposits | 43.1999% | 4,121 |
| Net loans and leases to core deposits | 45.3679% | 4,132 |
| Total domestic deposits to total assets | 87.7600% | 1,999 |
| Equity capital to assets | 7.1521% | 3,760 |
| Core capital (leverage) ratio | 10.6702% | 2,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3444% | 483 |
| Memoranda: |
| Average total assets | $219,582,500 | 2,912 |
| Average earning assets | $200,702,500 | 2,927 |
| Average equity | $15,504,500 | 3,260 |
| Average total loans | $86,521,000 | 3,377 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9481% | 3,987 |
| Cost of funding earning assets | 0.1750% | 3,566 |
| Net interest margin | 2.7731% | 3,793 |
| Noninterest income to average assets | 0.9600% | 728 |
| Noninterest expense to average assets | 2.6365% | 1,630 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6455% | 3,708 |
| Return on assets (ROA) | 0.6455% | 3,666 |
| Pretax return on assets | 0.8500% | 3,473 |
| Return on Equity (ROE) | 8.0600% | 3,313 |
| Retained earnings to average equity (ytd only) | 8.0587% | 1,979 |
| Net charge-offs to loans | -0.0939% | 4,478 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.6193% | 1,112 |
| Assets per employee ($millions) | 6.5016% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0626% | 447 |
| Loan loss allowance to noncurrent loans | 490.5605% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.1629% | 2,474 |
| Noncurrent loans to loans | 0.4205% | 1,759 |
| Net loans and leases to total assets | 37.9500% | 4,148 |
| Net loans and leases to deposits | 41.4152% | 4,194 |
| Net loans and leases to core deposits | 43.4902% | 4,181 |
| Total domestic deposits to total assets | 91.6400% | 996 |
| Equity capital to assets | 6.7498% | 3,638 |
| Core capital (leverage) ratio | 10.5613% | 2,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8830% | 497 |
| Memoranda: |
| Average total assets | $205,317,750 | 3,031 |
| Average earning assets | $187,416,000 | 3,035 |
| Average equity | $16,445,500 | 3,274 |
| Average total loans | $75,249,750 | 3,490 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7604% | 4,046 |
| Cost of funding earning assets | 0.1667% | 3,361 |
| Net interest margin | 2.5936% | 3,926 |
| Noninterest income to average assets | 0.8424% | 962 |
| Noninterest expense to average assets | 2.5870% | 1,677 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4912% | 3,919 |
| Return on assets (ROA) | 0.4912% | 3,867 |
| Pretax return on assets | 0.6301% | 3,748 |
| Return on Equity (ROE) | 5.8215% | 3,622 |
| Retained earnings to average equity (ytd only) | 5.8215% | 2,395 |
| Net charge-offs to loans | -0.1062% | 4,458 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4136% | 914 |
| Assets per employee ($millions) | 6.1086% | 2,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1771% | 398 |
| Loan loss allowance to noncurrent loans | 445.6757% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.1893% | 2,399 |
| Noncurrent loans to loans | 0.4885% | 1,650 |
| Net loans and leases to total assets | 37.9046% | 4,173 |
| Net loans and leases to deposits | 41.7777% | 4,199 |
| Net loans and leases to core deposits | 43.9279% | 4,190 |
| Total domestic deposits to total assets | 90.7292% | 1,370 |
| Equity capital to assets | 7.9939% | 3,132 |
| Core capital (leverage) ratio | 10.5501% | 1,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5660% | 444 |
| Memoranda: |
| Average total assets | $204,406,333 | 3,071 |
| Average earning assets | $187,149,667 | 3,084 |
| Average equity | $17,246,333 | 3,299 |
| Average total loans | $73,457,667 | 3,562 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5884% | 4,142 |
| Cost of funding earning assets | 0.1680% | 3,245 |
| Net interest margin | 2.4204% | 4,032 |
| Noninterest income to average assets | 0.7660% | 1,128 |
| Noninterest expense to average assets | 2.4934% | 1,898 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3926% | 3,970 |
| Return on assets (ROA) | 0.3926% | 3,938 |
| Pretax return on assets | 0.5075% | 3,860 |
| Return on Equity (ROE) | 4.5413% | 3,744 |
| Retained earnings to average equity (ytd only) | 4.5413% | 2,759 |
| Net charge-offs to loans | -0.1106% | 4,483 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0887% | 913 |
| Assets per employee ($millions) | 6.2787% | 2,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2364% | 415 |
| Loan loss allowance to noncurrent loans | 417.9487% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 2,471 |
| Noncurrent loans to loans | 0.5351% | 1,697 |
| Net loans and leases to total assets | 35.4647% | 4,241 |
| Net loans and leases to deposits | 39.3164% | 4,274 |
| Net loans and leases to core deposits | 41.2320% | 4,266 |
| Total domestic deposits to total assets | 90.2035% | 1,443 |
| Equity capital to assets | 8.6085% | 3,066 |
| Core capital (leverage) ratio | 10.1616% | 2,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8346% | 444 |
| Memoranda: |
| Average total assets | $208,872,000 | 3,050 |
| Average earning assets | $192,858,500 | 3,055 |
| Average equity | $18,056,500 | 3,320 |
| Average total loans | $72,315,000 | 3,582 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4206% | 2,882 |
| Cost of funding earning assets | 0.2150% | 3,316 |
| Net interest margin | 3.2056% | 2,587 |
| Noninterest income to average assets | 2.3608% | 247 |
| Noninterest expense to average assets | 2.9544% | 1,056 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7177% | 608 |
| Return on assets (ROA) | 1.7177% | 630 |
| Pretax return on assets | 2.3235% | 336 |
| Return on Equity (ROE) | 17.3275% | 541 |
| Retained earnings to average equity (ytd only) | 16.6247% | 142 |
| Net charge-offs to loans | -0.0435% | 4,261 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9768% | 3,706 |
| Assets per employee ($millions) | 6.7758% | 2,089 |
| Cash dividends to net income (ytd only)* | 4.0558% | 3,527 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2441% | 417 |
| Loan loss allowance to noncurrent loans | 367.5799% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.2020% | 2,556 |
| Noncurrent loans to loans | 0.6105% | 1,617 |
| Net loans and leases to total assets | 32.3462% | 4,433 |
| Net loans and leases to deposits | 35.9560% | 4,477 |
| Net loans and leases to core deposits | 37.6772% | 4,468 |
| Total domestic deposits to total assets | 89.9606% | 983 |
| Equity capital to assets | 8.6784% | 3,910 |
| Core capital (leverage) ratio | 9.5824% | 2,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1247% | 548 |
| Memoranda: |
| Average total assets | $179,427,400 | 3,211 |
| Average earning assets | $163,277,200 | 3,240 |
| Average equity | $17,786,800 | 3,407 |
| Average total loans | $78,247,600 | 3,508 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5505% | 2,692 |
| Cost of funding earning assets | 0.2322% | 3,298 |
| Net interest margin | 3.3182% | 2,362 |
| Noninterest income to average assets | 2.7822% | 218 |
| Noninterest expense to average assets | 3.0911% | 833 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.9881% | 475 |
| Return on assets (ROA) | 1.9881% | 501 |
| Pretax return on assets | 2.6928% | 254 |
| Return on Equity (ROE) | 19.2892% | 484 |
| Retained earnings to average equity (ytd only) | 19.2892% | 158 |
| Net charge-offs to loans | -0.0484% | 4,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4427% | 3,878 |
| Assets per employee ($millions) | 6.0829% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9401% | 713 |
| Loan loss allowance to noncurrent loans | 393.3824% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.2096% | 2,729 |
| Noncurrent loans to loans | 0.4932% | 2,075 |
| Net loans and leases to total assets | 41.6747% | 4,112 |
| Net loans and leases to deposits | 47.0406% | 4,173 |
| Net loans and leases to core deposits | 49.5992% | 4,163 |
| Total domestic deposits to total assets | 88.5930% | 1,517 |
| Equity capital to assets | 9.6824% | 3,209 |
| Core capital (leverage) ratio | 8.7020% | 3,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2832% | 586 |
| Memoranda: |
| Average total assets | $170,077,750 | 3,336 |
| Average earning assets | $153,854,500 | 3,370 |
| Average equity | $17,529,250 | 3,466 |
| Average total loans | $79,873,250 | 3,529 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6143% | 2,578 |
| Cost of funding earning assets | 0.1818% | 3,931 |
| Net interest margin | 3.4325% | 2,053 |
| Noninterest income to average assets | 1.3454% | 653 |
| Noninterest expense to average assets | 3.1775% | 744 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9402% | 3,092 |
| Return on assets (ROA) | 0.9402% | 3,173 |
| Pretax return on assets | 1.2466% | 2,782 |
| Return on Equity (ROE) | 8.9058% | 3,127 |
| Retained earnings to average equity (ytd only) | 8.9058% | 1,735 |
| Net charge-offs to loans | -0.0532% | 4,400 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8235% | 1,451 |
| Assets per employee ($millions) | 6.3767% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9810% | 630 |
| Loan loss allowance to noncurrent loans | 312.5245% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.2504% | 2,675 |
| Noncurrent loans to loans | 0.6339% | 1,825 |
| Net loans and leases to total assets | 38.7234% | 4,355 |
| Net loans and leases to deposits | 43.1273% | 4,418 |
| Net loans and leases to core deposits | 45.4816% | 4,410 |
| Total domestic deposits to total assets | 89.7885% | 876 |
| Equity capital to assets | 8.5109% | 4,194 |
| Core capital (leverage) ratio | 9.5092% | 2,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5114% | 756 |
| Memoranda: |
| Average total assets | $161,886,000 | 3,418 |
| Average earning assets | $145,200,667 | 3,465 |
| Average equity | $17,090,000 | 3,502 |
| Average total loans | $78,922,333 | 3,565 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2264% | 1,151 |
| Cost of funding earning assets | 0.2303% | 3,640 |
| Net interest margin | 3.9961% | 844 |
| Noninterest income to average assets | 1.6051% | 541 |
| Noninterest expense to average assets | 3.6392% | 398 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1193% | 2,416 |
| Return on assets (ROA) | 1.1193% | 2,492 |
| Pretax return on assets | 1.4659% | 2,084 |
| Return on Equity (ROE) | 9.2971% | 2,924 |
| Retained earnings to average equity (ytd only) | 9.2971% | 1,861 |
| Net charge-offs to loans | -0.0102% | 3,673 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2855% | 1,571 |
| Assets per employee ($millions) | 4.9627% | 3,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9741% | 628 |
| Loan loss allowance to noncurrent loans | 327.3859% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.3035% | 2,619 |
| Noncurrent loans to loans | 0.6030% | 2,064 |
| Net loans and leases to total assets | 49.3426% | 3,683 |
| Net loans and leases to deposits | 58.5345% | 3,596 |
| Net loans and leases to core deposits | 62.7148% | 3,526 |
| Total domestic deposits to total assets | 84.2966% | 3,344 |
| Equity capital to assets | 10.7043% | 2,076 |
| Core capital (leverage) ratio | 11.6826% | 1,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7829% | 604 |
| Memoranda: |
| Average total assets | $140,801,500 | 3,632 |
| Average earning assets | $123,321,000 | 3,702 |
| Average equity | $16,951,500 | 3,512 |
| Average total loans | $78,076,500 | 3,605 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6440% | 1,003 |
| Cost of funding earning assets | 0.5387% | 2,693 |
| Net interest margin | 4.1053% | 774 |
| Noninterest income to average assets | 1.6978% | 441 |
| Noninterest expense to average assets | 3.6764% | 543 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.2954% | 1,262 |
| Return on assets (ROA) | 1.2954% | 1,362 |
| Pretax return on assets | 1.7198% | 819 |
| Return on Equity (ROE) | 9.5761% | 2,166 |
| Retained earnings to average equity (ytd only) | 8.6385% | 868 |
| Net charge-offs to loans | 0.0204% | 2,656 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 135.6000% | 627 |
| Efficiency ratio | 68.1291% | 2,228 |
| Assets per employee ($millions) | 3.6117% | 4,604 |
| Cash dividends to net income (ytd only)* | 9.7911% | 3,553 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0678% | 515 |
| Loan loss allowance to noncurrent loans | 254.6042% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.5041% | 2,053 |
| Noncurrent loans to loans | 0.8122% | 1,725 |
| Net loans and leases to total assets | 60.7832% | 2,761 |
| Net loans and leases to deposits | 80.7801% | 1,786 |
| Net loans and leases to core deposits | 89.2353% | 1,585 |
| Total domestic deposits to total assets | 75.2453% | 4,562 |
| Equity capital to assets | 13.7658% | 853 |
| Core capital (leverage) ratio | 12.8940% | 923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4263% | 418 |
| Memoranda: |
| Average total assets | $118,268,800 | 3,766 |
| Average earning assets | $106,545,600 | 3,819 |
| Average equity | $15,998,200 | 3,549 |
| Average total loans | $73,525,400 | 3,668 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4969% | 1,578 |
| Cost of funding earning assets | 0.5094% | 3,164 |
| Net interest margin | 3.9874% | 1,141 |
| Noninterest income to average assets | 1.5184% | 506 |
| Noninterest expense to average assets | 3.7664% | 475 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0404% | 2,190 |
| Return on assets (ROA) | 1.0404% | 2,310 |
| Pretax return on assets | 1.3693% | 1,826 |
| Return on Equity (ROE) | 7.7267% | 2,912 |
| Retained earnings to average equity (ytd only) | 7.7267% | 1,404 |
| Net charge-offs to loans | 0.0110% | 2,713 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 200.5000% | 492 |
| Efficiency ratio | 73.3378% | 1,476 |
| Assets per employee ($millions) | 4.2503% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9699% | 523 |
| Loan loss allowance to noncurrent loans | 238.7048% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.5387% | 2,090 |
| Noncurrent loans to loans | 0.8252% | 1,776 |
| Net loans and leases to total assets | 63.9916% | 2,773 |
| Net loans and leases to deposits | 86.7790% | 1,614 |
| Net loans and leases to core deposits | 97.7470% | 1,325 |
| Total domestic deposits to total assets | 73.7409% | 4,585 |
| Equity capital to assets | 13.3693% | 1,043 |
| Core capital (leverage) ratio | 12.6949% | 1,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3502% | 491 |
| Memoranda: |
| Average total assets | $117,136,750 | 3,775 |
| Average earning assets | $106,264,250 | 3,815 |
| Average equity | $15,771,750 | 3,578 |
| Average total loans | $72,852,750 | 3,690 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4837% | 1,965 |
| Cost of funding earning assets | 0.5698% | 3,127 |
| Net interest margin | 3.9139% | 1,535 |
| Noninterest income to average assets | 1.2946% | 606 |
| Noninterest expense to average assets | 3.6804% | 593 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8949% | 2,705 |
| Return on assets (ROA) | 0.8949% | 2,825 |
| Pretax return on assets | 1.1712% | 2,459 |
| Return on Equity (ROE) | 6.6298% | 3,277 |
| Retained earnings to average equity (ytd only) | 6.6298% | 1,812 |
| Net charge-offs to loans | 0.0427% | 1,894 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 44.9333% | 1,172 |
| Efficiency ratio | 75.8596% | 1,280 |
| Assets per employee ($millions) | 4.5138% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0094% | 426 |
| Loan loss allowance to noncurrent loans | 219.3324% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.5689% | 2,095 |
| Noncurrent loans to loans | 0.9162% | 1,682 |
| Net loans and leases to total assets | 60.8472% | 3,233 |
| Net loans and leases to deposits | 78.4260% | 2,610 |
| Net loans and leases to core deposits | 88.7605% | 2,175 |
| Total domestic deposits to total assets | 77.5855% | 4,244 |
| Equity capital to assets | 12.7197% | 1,270 |
| Core capital (leverage) ratio | 12.1958% | 1,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3869% | 478 |
| Memoranda: |
| Average total assets | $115,095,667 | 3,785 |
| Average earning assets | $104,602,000 | 3,831 |
| Average equity | $15,536,000 | 3,602 |
| Average total loans | $70,316,667 | 3,749 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7308% | 1,613 |
| Cost of funding earning assets | 0.6321% | 3,258 |
| Net interest margin | 4.0987% | 1,137 |
| Noninterest income to average assets | 1.3120% | 520 |
| Noninterest expense to average assets | 4.0055% | 506 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8113% | 2,868 |
| Return on assets (ROA) | 0.8113% | 2,956 |
| Pretax return on assets | 1.0270% | 2,753 |
| Return on Equity (ROE) | 5.8168% | 3,383 |
| Retained earnings to average equity (ytd only) | 5.8168% | 1,948 |
| Net charge-offs to loans | 0.0483% | 1,526 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 35.1250% | 1,090 |
| Efficiency ratio | 79.5933% | 1,182 |
| Assets per employee ($millions) | 3.9499% | 3,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3650% | 298 |
| Loan loss allowance to noncurrent loans | 180.2961% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.7939% | 1,707 |
| Noncurrent loans to loans | 1.3117% | 1,243 |
| Net loans and leases to total assets | 59.0893% | 3,585 |
| Net loans and leases to deposits | 74.6604% | 3,204 |
| Net loans and leases to core deposits | 86.0244% | 2,678 |
| Total domestic deposits to total assets | 79.1441% | 4,019 |
| Equity capital to assets | 13.9579% | 1,071 |
| Core capital (leverage) ratio | 13.8242% | 955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1482% | 555 |
| Memoranda: |
| Average total assets | $109,450,000 | 3,850 |
| Average earning assets | $99,348,000 | 3,884 |
| Average equity | $15,266,000 | 3,633 |
| Average total loans | $66,235,000 | 3,840 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1032% | 1,208 |
| Cost of funding earning assets | 0.6938% | 3,190 |
| Net interest margin | 4.4095% | 876 |
| Noninterest income to average assets | 1.4797% | 425 |
| Noninterest expense to average assets | 4.1573% | 444 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9941% | 2,869 |
| Return on assets (ROA) | 0.9941% | 2,952 |
| Pretax return on assets | 1.2958% | 2,517 |
| Return on Equity (ROE) | 6.9133% | 3,579 |
| Retained earnings to average equity (ytd only) | 6.2254% | 1,757 |
| Net charge-offs to loans | 0.1008% | 1,718 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 20.1538% | 1,952 |
| Efficiency ratio | 76.2380% | 1,337 |
| Assets per employee ($millions) | 4.0112% | 3,889 |
| Cash dividends to net income (ytd only)* | 9.9502% | 3,750 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4277% | 239 |
| Loan loss allowance to noncurrent loans | 156.2868% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.9400% | 1,351 |
| Noncurrent loans to loans | 1.5533% | 919 |
| Net loans and leases to total assets | 59.0427% | 3,670 |
| Net loans and leases to deposits | 72.6219% | 3,465 |
| Net loans and leases to core deposits | 83.5871% | 2,991 |
| Total domestic deposits to total assets | 81.3015% | 3,701 |
| Equity capital to assets | 13.9377% | 1,118 |
| Core capital (leverage) ratio | 13.5303% | 1,045 |
| Tier 1 risk-based capital ratio | 21.8159% | 1,049 |
| Total risk-based capital ratio | 23.0792% | 1,025 |
| Memoranda: |
| Average total assets | $101,098,400 | 3,983 |
| Average earning assets | $91,099,000 | 4,033 |
| Average equity | $14,537,200 | 3,685 |
| Average total loans | $64,472,800 | 3,896 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2137% | 1,016 |
| Cost of funding earning assets | 0.6923% | 3,251 |
| Net interest margin | 4.5214% | 735 |
| Noninterest income to average assets | 1.5428% | 383 |
| Noninterest expense to average assets | 4.2551% | 385 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0285% | 2,870 |
| Return on assets (ROA) | 1.0285% | 2,944 |
| Pretax return on assets | 1.3481% | 2,505 |
| Return on Equity (ROE) | 7.0935% | 3,640 |
| Retained earnings to average equity (ytd only) | 7.0935% | 1,821 |
| Net charge-offs to loans | 0.0727% | 1,787 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 28.6829% | 1,677 |
| Efficiency ratio | 75.9406% | 1,342 |
| Assets per employee ($millions) | 3.8337% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4920% | 223 |
| Loan loss allowance to noncurrent loans | 361.0245% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.4743% | 2,630 |
| Noncurrent loans to loans | 0.6903% | 2,235 |
| Net loans and leases to total assets | 61.2756% | 3,565 |
| Net loans and leases to deposits | 76.5675% | 3,243 |
| Net loans and leases to core deposits | 87.8575% | 2,750 |
| Total domestic deposits to total assets | 80.0282% | 3,988 |
| Equity capital to assets | 14.4931% | 982 |
| Core capital (leverage) ratio | 14.7767% | 794 |
| Tier 1 risk-based capital ratio | 21.9236% | 1,079 |
| Total risk-based capital ratio | 23.1872% | 1,050 |
| Memoranda: |
| Average total assets | $99,297,250 | 4,054 |
| Average earning assets | $89,173,250 | 4,102 |
| Average equity | $14,397,750 | 3,728 |
| Average total loans | $64,207,000 | 3,944 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1215% | 1,167 |
| Cost of funding earning assets | 0.6725% | 3,312 |
| Net interest margin | 4.4491% | 854 |
| Noninterest income to average assets | 1.3443% | 487 |
| Noninterest expense to average assets | 4.1617% | 436 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9194% | 3,209 |
| Return on assets (ROA) | 0.9194% | 3,273 |
| Pretax return on assets | 1.1972% | 2,915 |
| Return on Equity (ROE) | 6.3397% | 3,925 |
| Retained earnings to average equity (ytd only) | 6.3397% | 2,120 |
| Net charge-offs to loans | 0.1189% | 1,241 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 15.4211% | 1,990 |
| Efficiency ratio | 77.6592% | 1,199 |
| Assets per employee ($millions) | 3.7478% | 4,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4584% | 234 |
| Loan loss allowance to noncurrent loans | 431.4667% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5070% | 2,519 |
| Noncurrent loans to loans | 0.5698% | 2,551 |
| Net loans and leases to total assets | 63.4411% | 3,403 |
| Net loans and leases to deposits | 80.5218% | 2,895 |
| Net loans and leases to core deposits | 91.9305% | 2,425 |
| Total domestic deposits to total assets | 78.7874% | 4,259 |
| Equity capital to assets | 14.4273% | 972 |
| Core capital (leverage) ratio | 14.4536% | 839 |
| Tier 1 risk-based capital ratio | 21.2865% | 1,146 |
| Total risk-based capital ratio | 22.5496% | 1,124 |
| Memoranda: |
| Average total assets | $97,892,670 | 4,102 |
| Average earning assets | $88,332,670 | 4,141 |
| Average equity | $14,196,330 | 3,761 |
| Average total loans | $63,926,670 | 3,972 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0266% | 1,271 |
| Cost of funding earning assets | 0.6318% | 3,399 |
| Net interest margin | 4.3948% | 919 |
| Noninterest income to average assets | 1.2177% | 547 |
| Noninterest expense to average assets | 4.1519% | 435 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7980% | 3,630 |
| Return on assets (ROA) | 0.7980% | 3,673 |
| Pretax return on assets | 1.0266% | 3,360 |
| Return on Equity (ROE) | 5.4877% | 4,192 |
| Retained earnings to average equity (ytd only) | 5.4877% | 2,699 |
| Net charge-offs to loans | 0.0445% | 1,638 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 35.2857% | 1,236 |
| Efficiency ratio | 80.1766% | 1,049 |
| Assets per employee ($millions) | 3.6006% | 4,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5602% | 230 |
| Loan loss allowance to noncurrent loans | 418.5279% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.5143% | 2,568 |
| Noncurrent loans to loans | 0.6117% | 2,505 |
| Net loans and leases to total assets | 64.5562% | 3,223 |
| Net loans and leases to deposits | 82.0486% | 2,606 |
| Net loans and leases to core deposits | 94.2186% | 2,103 |
| Total domestic deposits to total assets | 78.6805% | 4,406 |
| Equity capital to assets | 14.5892% | 862 |
| Core capital (leverage) ratio | 14.6314% | 782 |
| Tier 1 risk-based capital ratio | 20.7030% | 1,213 |
| Total risk-based capital ratio | 21.9672% | 1,188 |
| Memoranda: |
| Average total assets | $96,244,000 | 4,163 |
| Average earning assets | $86,738,000 | 4,207 |
| Average equity | $13,995,000 | 3,801 |
| Average total loans | $62,983,000 | 4,030 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0926% | 859 |
| Cost of funding earning assets | 0.5014% | 3,347 |
| Net interest margin | 4.5912% | 618 |
| Noninterest income to average assets | 1.9950% | 270 |
| Noninterest expense to average assets | 4.1028% | 470 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4984% | 1,124 |
| Return on assets (ROA) | 1.4984% | 1,111 |
| Pretax return on assets | 1.9929% | 571 |
| Return on Equity (ROE) | 10.5207% | 2,272 |
| Retained earnings to average equity (ytd only) | 9.6072% | 707 |
| Net charge-offs to loans | -0.0168% | 4,643 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3070% | 2,655 |
| Assets per employee ($millions) | 3.5286% | 4,517 |
| Cash dividends to net income (ytd only)* | 8.6831% | 3,864 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6901% | 187 |
| Loan loss allowance to noncurrent loans | 433.5079% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.5206% | 2,511 |
| Noncurrent loans to loans | 0.6206% | 2,427 |
| Net loans and leases to total assets | 62.8747% | 3,477 |
| Net loans and leases to deposits | 80.1718% | 2,933 |
| Net loans and leases to core deposits | 90.2927% | 2,552 |
| Total domestic deposits to total assets | 78.4249% | 4,420 |
| Equity capital to assets | 14.4922% | 840 |
| Core capital (leverage) ratio | 14.3728% | 827 |
| Tier 1 risk-based capital ratio | 21.2603% | 1,129 |
| Total risk-based capital ratio | 22.5252% | 1,108 |
| Memoranda: |
| Average total assets | $92,229,000 | 4,233 |
| Average earning assets | $82,374,200 | 4,273 |
| Average equity | $13,136,000 | 3,864 |
| Average total loans | $59,374,200 | 4,109 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9796% | 973 |
| Cost of funding earning assets | 0.4643% | 3,428 |
| Net interest margin | 4.5153% | 719 |
| Noninterest income to average assets | 1.9679% | 282 |
| Noninterest expense to average assets | 4.0742% | 474 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4445% | 1,348 |
| Return on assets (ROA) | 1.4445% | 1,350 |
| Pretax return on assets | 1.9197% | 787 |
| Return on Equity (ROE) | 10.1887% | 2,537 |
| Retained earnings to average equity (ytd only) | 10.1887% | 860 |
| Net charge-offs to loans | -0.1586% | 5,261 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9718% | 2,545 |
| Assets per employee ($millions) | 3.5577% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8290% | 162 |
| Loan loss allowance to noncurrent loans | 285.5241% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.8984% | 1,644 |
| Noncurrent loans to loans | 0.9908% | 1,719 |
| Net loans and leases to total assets | 61.3602% | 3,712 |
| Net loans and leases to deposits | 77.9986% | 3,240 |
| Net loans and leases to core deposits | 87.8826% | 2,850 |
| Total domestic deposits to total assets | 78.6683% | 4,386 |
| Equity capital to assets | 13.9956% | 962 |
| Core capital (leverage) ratio | 14.5339% | 812 |
| Tier 1 risk-based capital ratio | 20.9507% | 1,191 |
| Total risk-based capital ratio | 22.1656% | 1,172 |
| Memoranda: |
| Average total assets | $91,468,250 | 4,288 |
| Average earning assets | $81,558,000 | 4,338 |
| Average equity | $12,968,250 | 3,916 |
| Average total loans | $58,828,250 | 4,167 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9427% | 936 |
| Cost of funding earning assets | 0.4138% | 3,614 |
| Net interest margin | 4.5289% | 656 |
| Noninterest income to average assets | 1.5277% | 416 |
| Noninterest expense to average assets | 4.0628% | 489 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1430% | 2,420 |
| Return on assets (ROA) | 1.1430% | 2,428 |
| Pretax return on assets | 1.5055% | 1,796 |
| Return on Equity (ROE) | 8.0252% | 3,497 |
| Retained earnings to average equity (ytd only) | 8.0252% | 1,620 |
| Net charge-offs to loans | -0.2130% | 5,334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9633% | 1,851 |
| Assets per employee ($millions) | 3.3113% | 4,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8442% | 168 |
| Loan loss allowance to noncurrent loans | 325.9542% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.8833% | 1,701 |
| Noncurrent loans to loans | 0.8726% | 1,983 |
| Net loans and leases to total assets | 62.9270% | 3,513 |
| Net loans and leases to deposits | 80.7083% | 2,877 |
| Net loans and leases to core deposits | 90.9593% | 2,489 |
| Total domestic deposits to total assets | 77.9684% | 4,592 |
| Equity capital to assets | 14.0557% | 916 |
| Core capital (leverage) ratio | 14.3803% | 810 |
| Tier 1 risk-based capital ratio | 21.0197% | 1,174 |
| Total risk-based capital ratio | 22.2863% | 1,139 |
| Memoranda: |
| Average total assets | $89,938,000 | 4,350 |
| Average earning assets | $80,239,670 | 4,398 |
| Average equity | $12,809,670 | 3,956 |
| Average total loans | $58,218,330 | 4,213 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8652% | 937 |
| Cost of funding earning assets | 0.3793% | 3,739 |
| Net interest margin | 4.4859% | 638 |
| Noninterest income to average assets | 1.2468% | 598 |
| Noninterest expense to average assets | 4.0927% | 470 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8944% | 3,320 |
| Return on assets (ROA) | 0.8944% | 3,328 |
| Pretax return on assets | 1.1609% | 2,932 |
| Return on Equity (ROE) | 6.2370% | 4,085 |
| Retained earnings to average equity (ytd only) | 6.2370% | 2,612 |
| Net charge-offs to loans | -0.0349% | 4,811 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9020% | 1,361 |
| Assets per employee ($millions) | 3.2027% | 4,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8534% | 178 |
| Loan loss allowance to noncurrent loans | 261.3924% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 1.0560% | 1,479 |
| Noncurrent loans to loans | 1.0916% | 1,679 |
| Net loans and leases to total assets | 62.7187% | 3,458 |
| Net loans and leases to deposits | 79.8997% | 2,819 |
| Net loans and leases to core deposits | 90.5772% | 2,411 |
| Total domestic deposits to total assets | 78.4968% | 4,650 |
| Equity capital to assets | 14.2135% | 837 |
| Core capital (leverage) ratio | 14.4019% | 786 |
| Tier 1 risk-based capital ratio | 21.3800% | 1,143 |
| Total risk-based capital ratio | 22.6475% | 1,115 |
| Memoranda: |
| Average total assets | $88,548,500 | 4,421 |
| Average earning assets | $79,092,000 | 4,463 |
| Average equity | $12,698,500 | 4,019 |
| Average total loans | $57,301,500 | 4,273 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7357% | 1,110 |
| Cost of funding earning assets | 0.3311% | 3,864 |
| Net interest margin | 4.4046% | 758 |
| Noninterest income to average assets | 1.4342% | 520 |
| Noninterest expense to average assets | 4.0618% | 491 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6738% | 3,714 |
| Return on assets (ROA) | 0.6738% | 3,766 |
| Pretax return on assets | 1.2328% | 2,622 |
| Return on Equity (ROE) | 4.8125% | 4,238 |
| Retained earnings to average equity (ytd only) | 4.8125% | 2,248 |
| Net charge-offs to loans | -0.0342% | 5,087 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7155% | 1,518 |
| Assets per employee ($millions) | 3.1222% | 5,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9026% | 160 |
| Loan loss allowance to noncurrent loans | 251.2977% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 1.1439% | 1,307 |
| Noncurrent loans to loans | 1.1550% | 1,540 |
| Net loans and leases to total assets | 62.9841% | 3,488 |
| Net loans and leases to deposits | 79.4821% | 2,969 |
| Net loans and leases to core deposits | 90.2168% | 2,548 |
| Total domestic deposits to total assets | 79.2432% | 4,492 |
| Equity capital to assets | 14.4712% | 788 |
| Core capital (leverage) ratio | 13.8563% | 867 |
| Tier 1 risk-based capital ratio | 20.8800% | 1,162 |
| Total risk-based capital ratio | 22.1489% | 1,141 |
| Memoranda: |
| Average total assets | $88,901,600 | 4,443 |
| Average earning assets | $77,919,000 | 4,500 |
| Average equity | $12,446,800 | 4,062 |
| Average total loans | $55,515,800 | 4,312 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6720% | 1,195 |
| Cost of funding earning assets | 0.3337% | 3,823 |
| Net interest margin | 4.3383% | 840 |
| Noninterest income to average assets | 1.3726% | 560 |
| Noninterest expense to average assets | 4.0923% | 466 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7557% | 3,711 |
| Return on assets (ROA) | 0.7557% | 3,775 |
| Pretax return on assets | 1.0664% | 3,434 |
| Return on Equity (ROE) | 5.4426% | 4,352 |
| Retained earnings to average equity (ytd only) | 5.4426% | 2,574 |
| Net charge-offs to loans | -0.0266% | 4,957 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3283% | 1,177 |
| Assets per employee ($millions) | 3.4658% | 4,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0235% | 150 |
| Loan loss allowance to noncurrent loans | 280.3082% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 1.0099% | 1,680 |
| Noncurrent loans to loans | 1.0786% | 1,785 |
| Net loans and leases to total assets | 54.1070% | 4,407 |
| Net loans and leases to deposits | 65.2605% | 4,299 |
| Net loans and leases to core deposits | 74.3996% | 3,941 |
| Total domestic deposits to total assets | 82.9093% | 3,485 |
| Equity capital to assets | 13.0223% | 1,378 |
| Core capital (leverage) ratio | 13.8522% | 928 |
| Tier 1 risk-based capital ratio | 20.3530% | 1,299 |
| Total risk-based capital ratio | 21.6214% | 1,269 |
| Memoranda: |
| Average total assets | $89,271,500 | 4,481 |
| Average earning assets | $77,908,500 | 4,539 |
| Average equity | $12,395,750 | 4,112 |
| Average total loans | $55,217,750 | 4,356 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7751% | 906 |
| Cost of funding earning assets | 0.3422% | 3,663 |
| Net interest margin | 4.4329% | 659 |
| Noninterest income to average assets | 1.3613% | 575 |
| Noninterest expense to average assets | 4.1324% | 451 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7729% | 3,531 |
| Return on assets (ROA) | 0.7729% | 3,581 |
| Pretax return on assets | 1.0844% | 3,241 |
| Return on Equity (ROE) | 5.4404% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.4404% | 2,448 |
| Net charge-offs to loans | -0.0612% | 5,255 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2127% | 1,305 |
| Assets per employee ($millions) | 3.2569% | 5,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9114% | 175 |
| Loan loss allowance to noncurrent loans | 114.3354% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 2.2403% | 525 |
| Noncurrent loans to loans | 2.5464% | 577 |
| Net loans and leases to total assets | 62.3074% | 3,591 |
| Net loans and leases to deposits | 77.9751% | 3,118 |
| Net loans and leases to core deposits | 89.9007% | 2,537 |
| Total domestic deposits to total assets | 79.9067% | 4,434 |
| Equity capital to assets | 14.1991% | 901 |
| Core capital (leverage) ratio | 13.8163% | 904 |
| Tier 1 risk-based capital ratio | 19.2180% | 1,545 |
| Total risk-based capital ratio | 20.4852% | 1,485 |
| Memoranda: |
| Average total assets | $86,681,670 | 4,547 |
| Average earning assets | $75,391,330 | 4,627 |
| Average equity | $12,315,330 | 4,140 |
| Average total loans | $55,576,000 | 4,368 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7538% | 841 |
| Cost of funding earning assets | 0.3376% | 3,666 |
| Net interest margin | 4.4162% | 620 |
| Noninterest income to average assets | 1.2411% | 662 |
| Noninterest expense to average assets | 4.0672% | 498 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7298% | 3,560 |
| Return on assets (ROA) | 0.7298% | 3,610 |
| Pretax return on assets | 1.0040% | 3,353 |
| Return on Equity (ROE) | 5.1349% | 4,328 |
| Retained earnings to average equity (ytd only) | 5.1349% | 2,810 |
| Net charge-offs to loans | -0.0870% | 5,404 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2016% | 1,359 |
| Assets per employee ($millions) | 3.2417% | 5,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9520% | 185 |
| Loan loss allowance to noncurrent loans | 111.6564% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 2.3902% | 505 |
| Noncurrent loans to loans | 2.6438% | 577 |
| Net loans and leases to total assets | 61.5253% | 3,596 |
| Net loans and leases to deposits | 77.4475% | 3,040 |
| Net loans and leases to core deposits | 89.7231% | 2,375 |
| Total domestic deposits to total assets | 79.4413% | 4,727 |
| Equity capital to assets | 14.0691% | 880 |
| Core capital (leverage) ratio | 14.0817% | 820 |
| Tier 1 risk-based capital ratio | 19.5768% | 1,483 |
| Total risk-based capital ratio | 20.8455% | 1,452 |
| Memoranda: |
| Average total assets | $86,055,000 | 4,601 |
| Average earning assets | $74,634,500 | 4,686 |
| Average equity | $12,230,000 | 4,175 |
| Average total loans | $55,147,500 | 4,420 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9872% | 603 |
| Cost of funding earning assets | 0.3527% | 3,488 |
| Net interest margin | 4.6345% | 476 |
| Noninterest income to average assets | 2.0685% | 331 |
| Noninterest expense to average assets | 4.2956% | 450 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2133% | 1,457 |
| Return on assets (ROA) | 1.2133% | 1,545 |
| Pretax return on assets | 1.7782% | 845 |
| Return on Equity (ROE) | 8.5563% | 2,639 |
| Retained earnings to average equity (ytd only) | 8.5563% | 680 |
| Net charge-offs to loans | 0.4407% | 578 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 6.3362% | 3,191 |
| Efficiency ratio | 70.7230% | 2,789 |
| Assets per employee ($millions) | 3.1328% | 5,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9668% | 177 |
| Loan loss allowance to noncurrent loans | 115.5650% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 2.5158% | 473 |
| Noncurrent loans to loans | 2.5672% | 604 |
| Net loans and leases to total assets | 62.8728% | 3,492 |
| Net loans and leases to deposits | 79.5896% | 2,928 |
| Net loans and leases to core deposits | 92.7969% | 2,229 |
| Total domestic deposits to total assets | 78.9963% | 4,798 |
| Equity capital to assets | 14.3595% | 777 |
| Core capital (leverage) ratio | 13.8667% | 853 |
| Tier 1 risk-based capital ratio | 19.5064% | 1,475 |
| Total risk-based capital ratio | 20.7488% | 1,439 |
| Memoranda: |
| Average total assets | $82,666,800 | 4,679 |
| Average earning assets | $71,442,400 | 4,769 |
| Average equity | $11,722,400 | 4,290 |
| Average total loans | $52,643,200 | 4,505 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9506% | 657 |
| Cost of funding earning assets | 0.3539% | 3,498 |
| Net interest margin | 4.5967% | 509 |
| Noninterest income to average assets | 2.1078% | 328 |
| Noninterest expense to average assets | 4.2480% | 468 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2592% | 1,419 |
| Return on assets (ROA) | 1.2592% | 1,524 |
| Pretax return on assets | 1.8433% | 816 |
| Return on Equity (ROE) | 8.9201% | 2,543 |
| Retained earnings to average equity (ytd only) | 8.9201% | 841 |
| Net charge-offs to loans | 0.5297% | 399 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 5.4880% | 3,123 |
| Efficiency ratio | 69.7389% | 2,930 |
| Assets per employee ($millions) | 3.0526% | 5,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1056% | 167 |
| Loan loss allowance to noncurrent loans | 125.0568% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 2.6086% | 509 |
| Noncurrent loans to loans | 2.4834% | 712 |
| Net loans and leases to total assets | 62.5350% | 3,578 |
| Net loans and leases to deposits | 78.8442% | 3,092 |
| Net loans and leases to core deposits | 93.0865% | 2,269 |
| Total domestic deposits to total assets | 79.3147% | 4,653 |
| Equity capital to assets | 14.5473% | 857 |
| Core capital (leverage) ratio | 13.7791% | 919 |
| Tier 1 risk-based capital ratio | 19.6791% | 1,505 |
| Total risk-based capital ratio | 20.9479% | 1,470 |
| Memoranda: |
| Average total assets | $82,169,500 | 4,726 |
| Average earning assets | $71,208,000 | 4,812 |
| Average equity | $11,599,000 | 4,357 |
| Average total loans | $52,102,250 | 4,553 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9486% | 646 |
| Cost of funding earning assets | 0.3489% | 3,586 |
| Net interest margin | 4.5998% | 508 |
| Noninterest income to average assets | 2.4243% | 263 |
| Noninterest expense to average assets | 4.2346% | 476 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4570% | 961 |
| Return on assets (ROA) | 1.4570% | 1,011 |
| Pretax return on assets | 2.1733% | 397 |
| Return on Equity (ROE) | 10.4284% | 1,875 |
| Retained earnings to average equity (ytd only) | 10.4284% | 519 |
| Net charge-offs to loans | 0.3982% | 571 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.6602% | 2,501 |
| Efficiency ratio | 66.0837% | 3,674 |
| Assets per employee ($millions) | 3.2527% | 5,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3656% | 137 |
| Loan loss allowance to noncurrent loans | 232.8912% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 2.0941% | 763 |
| Noncurrent loans to loans | 1.4451% | 1,533 |
| Net loans and leases to total assets | 59.6188% | 3,937 |
| Net loans and leases to deposits | 74.7402% | 3,506 |
| Net loans and leases to core deposits | 87.9330% | 2,735 |
| Total domestic deposits to total assets | 79.7680% | 4,605 |
| Equity capital to assets | 13.9992% | 1,030 |
| Core capital (leverage) ratio | 13.7182% | 899 |
| Tier 1 risk-based capital ratio | 19.4854% | 1,572 |
| Total risk-based capital ratio | 20.7581% | 1,529 |
| Memoranda: |
| Average total assets | $82,085,670 | 4,770 |
| Average earning assets | $71,090,670 | 4,855 |
| Average equity | $11,468,670 | 4,403 |
| Average total loans | $51,738,330 | 4,595 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0141% | 564 |
| Cost of funding earning assets | 0.3553% | 3,548 |
| Net interest margin | 4.6589% | 450 |
| Noninterest income to average assets | 1.0143% | 1,043 |
| Noninterest expense to average assets | 4.2551% | 474 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6135% | 4,114 |
| Return on assets (ROA) | 0.6135% | 4,236 |
| Pretax return on assets | 0.7818% | 4,266 |
| Return on Equity (ROE) | 4.3958% | 4,746 |
| Retained earnings to average equity (ytd only) | 4.3958% | 3,283 |
| Net charge-offs to loans | -0.0621% | 5,438 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4794% | 1,115 |
| Assets per employee ($millions) | 3.1026% | 5,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5984% | 121 |
| Loan loss allowance to noncurrent loans | 213.8603% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 2.7682% | 490 |
| Noncurrent loans to loans | 1.6826% | 1,344 |
| Net loans and leases to total assets | 62.0043% | 3,526 |
| Net loans and leases to deposits | 77.6710% | 3,037 |
| Net loans and leases to core deposits | 92.7443% | 2,118 |
| Total domestic deposits to total assets | 79.8294% | 4,781 |
| Equity capital to assets | 14.0789% | 950 |
| Core capital (leverage) ratio | 13.4281% | 1,012 |
| Tier 1 risk-based capital ratio | 18.8191% | 1,773 |
| Total risk-based capital ratio | 20.0953% | 1,733 |
| Memoranda: |
| Average total assets | $80,844,000 | 4,841 |
| Average earning assets | $69,802,500 | 4,931 |
| Average equity | $11,283,500 | 4,452 |
| Average total loans | $51,520,000 | 4,629 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8487% | 850 |
| Cost of funding earning assets | 0.3638% | 3,543 |
| Net interest margin | 4.4850% | 677 |
| Noninterest income to average assets | 1.2587% | 756 |
| Noninterest expense to average assets | 4.1452% | 573 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7791% | 3,424 |
| Return on assets (ROA) | 0.7791% | 3,498 |
| Pretax return on assets | 1.0201% | 3,381 |
| Return on Equity (ROE) | 5.7344% | 4,167 |
| Retained earnings to average equity (ytd only) | 5.7344% | 1,937 |
| Net charge-offs to loans | 0.7718% | 296 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.1380% | 3,969 |
| Efficiency ratio | 80.2502% | 1,637 |
| Assets per employee ($millions) | 3.0008% | 5,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6340% | 114 |
| Loan loss allowance to noncurrent loans | 196.9280% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 2.9992% | 435 |
| Noncurrent loans to loans | 1.8453% | 1,170 |
| Net loans and leases to total assets | 60.8447% | 3,720 |
| Net loans and leases to deposits | 75.8229% | 3,274 |
| Net loans and leases to core deposits | 89.4942% | 2,455 |
| Total domestic deposits to total assets | 80.2459% | 4,690 |
| Equity capital to assets | 13.8359% | 988 |
| Core capital (leverage) ratio | 12.3182% | 1,442 |
| Tier 1 risk-based capital ratio | 18.0144% | 1,961 |
| Total risk-based capital ratio | 19.2966% | 1,908 |
| Memoranda: |
| Average total assets | $80,479,400 | 4,860 |
| Average earning assets | $70,101,000 | 4,938 |
| Average equity | $10,934,000 | 4,492 |
| Average total loans | $49,755,400 | 4,680 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7604% | 1,002 |
| Cost of funding earning assets | 0.3672% | 3,580 |
| Net interest margin | 4.3932% | 810 |
| Noninterest income to average assets | 1.1318% | 938 |
| Noninterest expense to average assets | 4.0259% | 648 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7335% | 3,749 |
| Return on assets (ROA) | 0.7335% | 3,855 |
| Pretax return on assets | 0.9376% | 3,854 |
| Return on Equity (ROE) | 5.4240% | 4,439 |
| Retained earnings to average equity (ytd only) | 5.4240% | 2,626 |
| Net charge-offs to loans | 0.0918% | 2,249 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 16.6184% | 2,104 |
| Efficiency ratio | 81.1100% | 1,510 |
| Assets per employee ($millions) | 3.4090% | 4,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.3884% | 71 |
| Loan loss allowance to noncurrent loans | 110.5606% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 3.9136% | 307 |
| Noncurrent loans to loans | 3.9692% | 331 |
| Net loans and leases to total assets | 58.8240% | 4,038 |
| Net loans and leases to deposits | 72.9997% | 3,651 |
| Net loans and leases to core deposits | 85.5457% | 2,895 |
| Total domestic deposits to total assets | 80.5811% | 4,584 |
| Equity capital to assets | 13.5192% | 1,220 |
| Core capital (leverage) ratio | 12.5422% | 1,385 |
| Tier 1 risk-based capital ratio | 18.4471% | 1,917 |
| Total risk-based capital ratio | 19.7388% | 1,865 |
| Memoranda: |
| Average total assets | $80,344,000 | 4,923 |
| Average earning assets | $70,076,750 | 4,993 |
| Average equity | $10,865,000 | 4,559 |
| Average total loans | $49,405,250 | 4,740 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7522% | 982 |
| Cost of funding earning assets | 0.3797% | 3,499 |
| Net interest margin | 4.3725% | 801 |
| Noninterest income to average assets | 1.0720% | 1,040 |
| Noninterest expense to average assets | 4.0399% | 645 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6737% | 4,011 |
| Return on assets (ROA) | 0.6737% | 4,124 |
| Pretax return on assets | 0.8390% | 4,170 |
| Return on Equity (ROE) | 4.9816% | 4,624 |
| Retained earnings to average equity (ytd only) | 4.9816% | 2,876 |
| Net charge-offs to loans | 0.1304% | 1,715 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 10.4688% | 2,358 |
| Efficiency ratio | 82.8029% | 1,399 |
| Assets per employee ($millions) | 3.5798% | 4,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.4693% | 76 |
| Loan loss allowance to noncurrent loans | 115.8805% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 4.0187% | 334 |
| Noncurrent loans to loans | 3.8568% | 415 |
| Net loans and leases to total assets | 60.0081% | 3,835 |
| Net loans and leases to deposits | 74.8911% | 3,396 |
| Net loans and leases to core deposits | 88.2540% | 2,531 |
| Total domestic deposits to total assets | 80.1272% | 4,833 |
| Equity capital to assets | 13.8237% | 1,042 |
| Core capital (leverage) ratio | 12.7617% | 1,273 |
| Tier 1 risk-based capital ratio | 18.4994% | 1,921 |
| Total risk-based capital ratio | 19.7912% | 1,872 |
| Memoranda: |
| Average total assets | $79,853,000 | 4,983 |
| Average earning assets | $69,525,000 | 5,051 |
| Average equity | $10,799,670 | 4,604 |
| Average total loans | $49,094,670 | 4,780 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7232% | 993 |
| Cost of funding earning assets | 0.3874% | 3,441 |
| Net interest margin | 4.3358% | 818 |
| Noninterest income to average assets | 0.8856% | 1,434 |
| Noninterest expense to average assets | 4.1293% | 595 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4925% | 4,719 |
| Return on assets (ROA) | 0.4925% | 4,838 |
| Pretax return on assets | 0.5423% | 5,065 |
| Return on Equity (ROE) | 3.6817% | 5,117 |
| Retained earnings to average equity (ytd only) | 3.6817% | 3,798 |
| Net charge-offs to loans | 0.2127% | 1,094 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 4.1923% | 2,522 |
| Efficiency ratio | 88.3919% | 988 |
| Assets per employee ($millions) | 3.7534% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.5255% | 86 |
| Loan loss allowance to noncurrent loans | 112.4239% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 4.1473% | 354 |
| Noncurrent loans to loans | 4.0254% | 435 |
| Net loans and leases to total assets | 59.3388% | 3,754 |
| Net loans and leases to deposits | 73.9876% | 3,317 |
| Net loans and leases to core deposits | 90.0310% | 2,128 |
| Total domestic deposits to total assets | 80.2010% | 5,010 |
| Equity capital to assets | 13.7259% | 1,083 |
| Core capital (leverage) ratio | 12.7737% | 1,244 |
| Tier 1 risk-based capital ratio | 18.9975% | 1,870 |
| Total risk-based capital ratio | 20.2797% | 1,821 |
| Memoranda: |
| Average total assets | $80,401,500 | 5,015 |
| Average earning assets | $70,206,000 | 5,087 |
| Average equity | $10,756,000 | 4,652 |
| Average total loans | $48,906,500 | 4,821 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6335% | 1,466 |
| Cost of funding earning assets | 0.4405% | 3,261 |
| Net interest margin | 4.1930% | 1,327 |
| Noninterest income to average assets | 1.0585% | 1,083 |
| Noninterest expense to average assets | 3.5647% | 1,369 |
| Loan and lease loss provision to assets | 0.0857% | 2,757 |
| Net operating income to assets | 0.8358% | 3,194 |
| Return on assets (ROA) | 0.8358% | 3,288 |
| Pretax return on assets | 1.0891% | 3,124 |
| Return on Equity (ROE) | 6.7055% | 3,786 |
| Retained earnings to average equity (ytd only) | 6.7055% | 1,545 |
| Net charge-offs to loans | 2.0851% | 89 |
| Credit loss provision to net charge-offs | 6.6858% | 4,138 |
| Earnings coverage of net charge-offs (x) | 0.9169% | 4,537 |
| Efficiency ratio | 75.2130% | 2,634 |
| Assets per employee ($millions) | 3.8945% | 4,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.5983% | 89 |
| Loan loss allowance to noncurrent loans | 101.7234% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 4.3492% | 367 |
| Noncurrent loans to loans | 4.5204% | 367 |
| Net loans and leases to total assets | 56.9004% | 4,213 |
| Net loans and leases to deposits | 71.0246% | 3,785 |
| Net loans and leases to core deposits | 85.9248% | 2,697 |
| Total domestic deposits to total assets | 80.1137% | 4,988 |
| Equity capital to assets | 12.8349% | 1,446 |
| Core capital (leverage) ratio | 10.5854% | 2,854 |
| Tier 1 risk-based capital ratio | 15.9482% | 2,987 |
| Total risk-based capital ratio | 17.2103% | 2,931 |
| Memoranda: |
| Average total assets | $81,718,600 | 5,021 |
| Average earning assets | $71,738,600 | 5,090 |
| Average equity | $10,185,600 | 4,714 |
| Average total loans | $50,212,600 | 4,813 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6430% | 1,453 |
| Cost of funding earning assets | 0.4496% | 3,256 |
| Net interest margin | 4.1934% | 1,307 |
| Noninterest income to average assets | 1.0885% | 1,030 |
| Noninterest expense to average assets | 3.4858% | 1,489 |
| Loan and lease loss provision to assets | 0.1142% | 2,146 |
| Net operating income to assets | 0.8878% | 2,969 |
| Return on assets (ROA) | 0.8878% | 3,074 |
| Pretax return on assets | 1.1717% | 2,902 |
| Return on Equity (ROE) | 7.1759% | 3,618 |
| Retained earnings to average equity (ytd only) | 7.1759% | 1,726 |
| Net charge-offs to loans | 0.9439% | 337 |
| Credit loss provision to net charge-offs | 19.5531% | 3,581 |
| Earnings coverage of net charge-offs (x) | 2.2011% | 3,968 |
| Efficiency ratio | 73.0506% | 2,981 |
| Assets per employee ($millions) | 4.1538% | 3,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.0703% | 49 |
| Loan loss allowance to noncurrent loans | 97.3440% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 5.4902% | 276 |
| Noncurrent loans to loans | 6.2359% | 217 |
| Net loans and leases to total assets | 54.6114% | 4,505 |
| Net loans and leases to deposits | 67.8415% | 4,146 |
| Net loans and leases to core deposits | 79.6059% | 3,360 |
| Total domestic deposits to total assets | 80.4986% | 4,966 |
| Equity capital to assets | 12.5126% | 1,693 |
| Core capital (leverage) ratio | 10.6645% | 2,848 |
| Tier 1 risk-based capital ratio | 15.6670% | 3,233 |
| Total risk-based capital ratio | 16.9545% | 3,149 |
| Memoranda: |
| Average total assets | $81,702,000 | 5,072 |
| Average earning assets | $71,761,750 | 5,146 |
| Average equity | $10,107,750 | 4,763 |
| Average total loans | $50,571,000 | 4,845 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7500% | 1,176 |
| Cost of funding earning assets | 0.4730% | 3,086 |
| Net interest margin | 4.2769% | 1,073 |
| Noninterest income to average assets | 1.1299% | 923 |
| Noninterest expense to average assets | 3.6557% | 1,200 |
| Loan and lease loss provision to assets | 0.1723% | 1,424 |
| Net operating income to assets | 0.8247% | 3,211 |
| Return on assets (ROA) | 0.8247% | 3,307 |
| Pretax return on assets | 1.0635% | 3,233 |
| Return on Equity (ROE) | 6.6920% | 3,784 |
| Retained earnings to average equity (ytd only) | 6.6920% | 1,932 |
| Net charge-offs to loans | 0.0273% | 3,648 |
| Credit loss provision to net charge-offs | 1,000.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 71.7143% | 722 |
| Efficiency ratio | 74.7358% | 2,849 |
| Assets per employee ($millions) | 3.9981% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.6594% | 33 |
| Loan loss allowance to noncurrent loans | 99.9391% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 5.9254% | 257 |
| Noncurrent loans to loans | 6.6634% | 198 |
| Net loans and leases to total assets | 57.5481% | 4,043 |
| Net loans and leases to deposits | 71.9371% | 3,576 |
| Net loans and leases to core deposits | 86.6608% | 2,454 |
| Total domestic deposits to total assets | 79.9977% | 5,236 |
| Equity capital to assets | 12.7600% | 1,513 |
| Core capital (leverage) ratio | 10.5048% | 2,944 |
| Tier 1 risk-based capital ratio | 15.4059% | 3,408 |
| Total risk-based capital ratio | 16.7172% | 3,314 |
| Memoranda: |
| Average total assets | $81,244,000 | 5,132 |
| Average earning assets | $71,453,330 | 5,194 |
| Average equity | $10,012,000 | 4,806 |
| Average total loans | $51,327,670 | 4,847 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6261% | 1,437 |
| Cost of funding earning assets | 0.4832% | 3,087 |
| Net interest margin | 4.1429% | 1,360 |
| Noninterest income to average assets | 1.3385% | 643 |
| Noninterest expense to average assets | 3.6734% | 1,168 |
| Loan and lease loss provision to assets | 0.3077% | 618 |
| Net operating income to assets | 0.7865% | 3,219 |
| Return on assets (ROA) | 0.7865% | 3,299 |
| Pretax return on assets | 1.0014% | 3,309 |
| Return on Equity (ROE) | 6.4942% | 3,750 |
| Retained earnings to average equity (ytd only) | 6.4942% | 2,284 |
| Net charge-offs to loans | 0.3515% | 1,019 |
| Credit loss provision to net charge-offs | 136.9565% | 1,327 |
| Earnings coverage of net charge-offs (x) | 5.8261% | 2,323 |
| Efficiency ratio | 73.7255% | 3,198 |
| Assets per employee ($millions) | 4.0266% | 3,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.2950% | 41 |
| Loan loss allowance to noncurrent loans | 81.5776% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 6.9041% | 223 |
| Noncurrent loans to loans | 7.7165% | 182 |
| Net loans and leases to total assets | 59.8334% | 3,587 |
| Net loans and leases to deposits | 74.4733% | 3,010 |
| Net loans and leases to core deposits | 90.3322% | 1,883 |
| Total domestic deposits to total assets | 80.3420% | 5,413 |
| Equity capital to assets | 12.4485% | 1,608 |
| Core capital (leverage) ratio | 10.1209% | 3,400 |
| Tier 1 risk-based capital ratio | 14.0766% | 4,278 |
| Total risk-based capital ratio | 15.3773% | 4,195 |
| Memoranda: |
| Average total assets | $81,885,500 | 5,165 |
| Average earning assets | $72,026,500 | 5,224 |
| Average equity | $9,916,500 | 4,840 |
| Average total loans | $52,342,000 | 4,850 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2161% | 616 |
| Cost of funding earning assets | 0.6061% | 2,604 |
| Net interest margin | 4.6100% | 600 |
| Noninterest income to average assets | 0.1810% | 6,001 |
| Noninterest expense to average assets | 3.7712% | 1,180 |
| Loan and lease loss provision to assets | 0.6099% | 406 |
| Net operating income to assets | 0.0961% | 6,052 |
| Return on assets (ROA) | 0.0999% | 6,095 |
| Pretax return on assets | -0.1363% | 6,315 |
| Return on Equity (ROE) | 0.8614% | 6,106 |
| Retained earnings to average equity (ytd only) | 0.8614% | 5,453 |
| Net charge-offs to loans | 2.6089% | 110 |
| Credit loss provision to net charge-offs | 34.8790% | 4,151 |
| Earnings coverage of net charge-offs (x) | 0.2675% | 4,996 |
| Efficiency ratio | 88.9659% | 1,110 |
| Assets per employee ($millions) | 4.1620% | 3,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.0456% | 38 |
| Loan loss allowance to noncurrent loans | 76.1229% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 7.0700% | 236 |
| Noncurrent loans to loans | 7.9419% | 195 |
| Net loans and leases to total assets | 60.1185% | 3,692 |
| Net loans and leases to deposits | 72.8594% | 3,411 |
| Net loans and leases to core deposits | 88.9193% | 2,140 |
| Total domestic deposits to total assets | 82.5130% | 4,707 |
| Equity capital to assets | 11.7829% | 1,959 |
| Core capital (leverage) ratio | 9.3753% | 4,442 |
| Tier 1 risk-based capital ratio | 13.1171% | 4,904 |
| Total risk-based capital ratio | 14.4183% | 4,817 |
| Memoranda: |
| Average total assets | $85,091,400 | 5,110 |
| Average earning assets | $74,902,000 | 5,177 |
| Average equity | $9,867,200 | 4,884 |
| Average total loans | $57,035,200 | 4,714 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2922% | 537 |
| Cost of funding earning assets | 0.6303% | 2,547 |
| Net interest margin | 4.6619% | 550 |
| Noninterest income to average assets | 0.0608% | 6,597 |
| Noninterest expense to average assets | 3.5485% | 1,495 |
| Loan and lease loss provision to assets | 0.7434% | 288 |
| Net operating income to assets | 0.1057% | 6,127 |
| Return on assets (ROA) | 0.1106% | 6,183 |
| Pretax return on assets | -0.1200% | 6,414 |
| Return on Equity (ROE) | 0.9579% | 6,189 |
| Retained earnings to average equity (ytd only) | 0.9579% | 5,598 |
| Net charge-offs to loans | 3.2839% | 66 |
| Credit loss provision to net charge-offs | 33.4034% | 3,831 |
| Earnings coverage of net charge-offs (x) | 0.2766% | 4,769 |
| Efficiency ratio | 85.2171% | 1,443 |
| Assets per employee ($millions) | 4.2022% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.8444% | 62 |
| Loan loss allowance to noncurrent loans | 78.2315% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 7.0737% | 283 |
| Noncurrent loans to loans | 7.4707% | 256 |
| Net loans and leases to total assets | 62.0687% | 3,348 |
| Net loans and leases to deposits | 74.8454% | 3,108 |
| Net loans and leases to core deposits | 91.4598% | 1,822 |
| Total domestic deposits to total assets | 82.9292% | 4,604 |
| Equity capital to assets | 11.6011% | 2,220 |
| Core capital (leverage) ratio | 9.4350% | 4,498 |
| Tier 1 risk-based capital ratio | 12.8071% | 5,254 |
| Total risk-based capital ratio | 14.1122% | 5,157 |
| Memoranda: |
| Average total assets | $85,554,500 | 5,140 |
| Average earning assets | $75,304,000 | 5,216 |
| Average equity | $9,882,000 | 4,930 |
| Average total loans | $57,978,500 | 4,731 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3554% | 476 |
| Cost of funding earning assets | 0.6454% | 2,538 |
| Net interest margin | 4.7100% | 497 |
| Noninterest income to average assets | 0.0232% | 6,745 |
| Noninterest expense to average assets | 3.6557% | 1,318 |
| Loan and lease loss provision to assets | 0.7367% | 297 |
| Net operating income to assets | 0.0507% | 6,243 |
| Return on assets (ROA) | 0.0581% | 6,304 |
| Pretax return on assets | -0.2022% | 6,496 |
| Return on Equity (ROE) | 0.5037% | 6,308 |
| Retained earnings to average equity (ytd only) | 0.5037% | 5,698 |
| Net charge-offs to loans | 2.5630% | 141 |
| Credit loss provision to net charge-offs | 42.0424% | 3,378 |
| Earnings coverage of net charge-offs (x) | 0.2984% | 4,442 |
| Efficiency ratio | 87.4861% | 1,281 |
| Assets per employee ($millions) | 3.9380% | 3,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.6455% | 35 |
| Loan loss allowance to noncurrent loans | 129.9169% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 6.5636% | 379 |
| Noncurrent loans to loans | 5.1152% | 614 |
| Net loans and leases to total assets | 63.7335% | 2,960 |
| Net loans and leases to deposits | 77.7172% | 2,605 |
| Net loans and leases to core deposits | 97.2131% | 1,268 |
| Total domestic deposits to total assets | 82.0070% | 5,059 |
| Equity capital to assets | 11.8562% | 2,001 |
| Core capital (leverage) ratio | 9.6866% | 3,955 |
| Tier 1 risk-based capital ratio | 13.1450% | 5,037 |
| Total risk-based capital ratio | 14.4649% | 4,919 |
| Memoranda: |
| Average total assets | $86,058,000 | 5,155 |
| Average earning assets | $75,924,000 | 5,229 |
| Average equity | $9,926,000 | 4,965 |
| Average total loans | $58,837,000 | 4,709 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5273% | 354 |
| Cost of funding earning assets | 0.6594% | 2,566 |
| Net interest margin | 4.8680% | 357 |
| Noninterest income to average assets | 0.3283% | 5,080 |
| Noninterest expense to average assets | 3.5378% | 1,545 |
| Loan and lease loss provision to assets | 0.6428% | 380 |
| Net operating income to assets | 0.4429% | 4,944 |
| Return on assets (ROA) | 0.4650% | 5,014 |
| Pretax return on assets | 0.4787% | 5,327 |
| Return on Equity (ROE) | 4.0855% | 5,051 |
| Retained earnings to average equity (ytd only) | 4.0855% | 3,770 |
| Net charge-offs to loans | -0.1266% | 6,539 |
| Credit loss provision to net charge-offs | -742.1053% | 5,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3029% | 2,876 |
| Assets per employee ($millions) | 4.3155% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 7.3428% | 36 |
| Loan loss allowance to noncurrent loans | 441.5228% | 953 |
| Noncurrent assets plus other real estate owned to assets | 3.7157% | 1,117 |
| Noncurrent loans to loans | 1.6631% | 3,051 |
| Net loans and leases to total assets | 63.5836% | 2,791 |
| Net loans and leases to deposits | 78.7439% | 2,247 |
| Net loans and leases to core deposits | 99.1347% | 998 |
| Total domestic deposits to total assets | 80.7473% | 5,559 |
| Equity capital to assets | 11.5954% | 2,334 |
| Core capital (leverage) ratio | 9.4693% | 4,136 |
| Tier 1 risk-based capital ratio | 12.8860% | 5,308 |
| Total risk-based capital ratio | 14.2173% | 5,198 |
| Memoranda: |
| Average total assets | $87,737,500 | 5,157 |
| Average earning assets | $77,650,500 | 5,216 |
| Average equity | $9,986,500 | 4,988 |
| Average total loans | $60,026,000 | 4,704 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5405% | 575 |
| Cost of funding earning assets | 0.7912% | 2,738 |
| Net interest margin | 4.7493% | 596 |
| Noninterest income to average assets | 0.3737% | 4,807 |
| Noninterest expense to average assets | 3.0620% | 3,038 |
| Loan and lease loss provision to assets | 2.0757% | 88 |
| Net operating income to assets | -0.1450% | 6,338 |
| Return on assets (ROA) | -0.1450% | 6,417 |
| Pretax return on assets | -0.5044% | 6,574 |
| Return on Equity (ROE) | -1.3559% | 6,411 |
| Retained earnings to average equity (ytd only) | -1.3559% | 6,071 |
| Net charge-offs to loans | 2.9211% | 179 |
| Credit loss provision to net charge-offs | 106.2729% | 2,796 |
| Earnings coverage of net charge-offs (x) | 0.8045% | 5,068 |
| Efficiency ratio | 66.0864% | 4,488 |
| Assets per employee ($millions) | 4.4583% | 3,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.8871% | 45 |
| Loan loss allowance to noncurrent loans | 262.9630% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 3.8625% | 1,129 |
| Noncurrent loans to loans | 2.6190% | 2,019 |
| Net loans and leases to total assets | 63.5171% | 2,977 |
| Net loans and leases to deposits | 79.0660% | 2,397 |
| Net loans and leases to core deposits | 100.7758% | 979 |
| Total domestic deposits to total assets | 80.3342% | 5,585 |
| Equity capital to assets | 11.1759% | 2,762 |
| Core capital (leverage) ratio | 8.8445% | 5,108 |
| Tier 1 risk-based capital ratio | 12.5013% | 5,481 |
| Total risk-based capital ratio | 13.8282% | 5,372 |
| Memoranda: |
| Average total assets | $97,944,000 | 4,889 |
| Average earning assets | $87,844,600 | 4,920 |
| Average equity | $10,472,600 | 4,872 |
| Average total loans | $65,488,200 | 4,530 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4225% | 797 |
| Cost of funding earning assets | 0.8159% | 2,812 |
| Net interest margin | 4.6067% | 806 |
| Noninterest income to average assets | 0.5459% | 3,634 |
| Noninterest expense to average assets | 3.0038% | 3,215 |
| Loan and lease loss provision to assets | 0.9174% | 476 |
| Net operating income to assets | 0.6351% | 4,214 |
| Return on assets (ROA) | 0.6351% | 4,466 |
| Pretax return on assets | 0.7669% | 4,606 |
| Return on Equity (ROE) | 6.0001% | 4,330 |
| Retained earnings to average equity (ytd only) | 6.0001% | 2,696 |
| Net charge-offs to loans | 2.9985% | 184 |
| Credit loss provision to net charge-offs | 45.9640% | 4,493 |
| Earnings coverage of net charge-offs (x) | 0.8439% | 4,907 |
| Efficiency ratio | 64.0727% | 4,797 |
| Assets per employee ($millions) | 4.8446% | 2,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.2061% | 126 |
| Loan loss allowance to noncurrent loans | 222.0027% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 3.9632% | 1,219 |
| Noncurrent loans to loans | 2.3450% | 2,459 |
| Net loans and leases to total assets | 61.2445% | 3,523 |
| Net loans and leases to deposits | 76.5473% | 2,903 |
| Net loans and leases to core deposits | 97.9806% | 1,264 |
| Total domestic deposits to total assets | 80.0087% | 5,653 |
| Equity capital to assets | 11.1103% | 3,140 |
| Core capital (leverage) ratio | 9.7728% | 3,838 |
| Tier 1 risk-based capital ratio | 13.4540% | 4,907 |
| Total risk-based capital ratio | 14.7574% | 4,831 |
| Memoranda: |
| Average total assets | $100,138,750 | 4,874 |
| Average earning assets | $90,041,500 | 4,911 |
| Average equity | $10,599,500 | 4,889 |
| Average total loans | $66,654,250 | 4,518 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3492% | 961 |
| Cost of funding earning assets | 0.8444% | 2,840 |
| Net interest margin | 4.5048% | 984 |
| Noninterest income to average assets | 0.9366% | 1,656 |
| Noninterest expense to average assets | 3.0211% | 3,181 |
| Loan and lease loss provision to assets | 0.6066% | 976 |
| Net operating income to assets | 0.9978% | 2,474 |
| Return on assets (ROA) | 0.9978% | 2,696 |
| Pretax return on assets | 1.3673% | 2,328 |
| Return on Equity (ROE) | 9.5786% | 2,541 |
| Retained earnings to average equity (ytd only) | 9.5786% | 1,091 |
| Net charge-offs to loans | 0.6617% | 1,666 |
| Credit loss provision to net charge-offs | 136.4444% | 2,010 |
| Earnings coverage of net charge-offs (x) | 4.4400% | 3,081 |
| Efficiency ratio | 60.4826% | 5,502 |
| Assets per employee ($millions) | 4.9589% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.2098% | 74 |
| Loan loss allowance to noncurrent loans | 90.5167% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 6.8826% | 577 |
| Noncurrent loans to loans | 6.8604% | 579 |
| Net loans and leases to total assets | 63.2297% | 3,193 |
| Net loans and leases to deposits | 80.3439% | 2,338 |
| Net loans and leases to core deposits | 105.5084% | 768 |
| Total domestic deposits to total assets | 78.6989% | 6,020 |
| Equity capital to assets | 10.8986% | 3,227 |
| Core capital (leverage) ratio | 9.3023% | 4,451 |
| Tier 1 risk-based capital ratio | 12.7449% | 5,382 |
| Total risk-based capital ratio | 14.0526% | 5,310 |
| Memoranda: |
| Average total assets | $101,221,000 | 4,878 |
| Average earning assets | $91,191,330 | 4,892 |
| Average equity | $10,544,330 | 4,905 |
| Average total loans | $68,005,670 | 4,487 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2620% | 1,183 |
| Cost of funding earning assets | 0.8777% | 2,850 |
| Net interest margin | 4.3842% | 1,262 |
| Noninterest income to average assets | 0.8920% | 1,781 |
| Noninterest expense to average assets | 3.1063% | 2,896 |
| Loan and lease loss provision to assets | 0.4343% | 1,444 |
| Net operating income to assets | 0.9546% | 2,663 |
| Return on assets (ROA) | 0.9546% | 2,875 |
| Pretax return on assets | 1.2989% | 2,542 |
| Return on Equity (ROE) | 9.3738% | 2,648 |
| Retained earnings to average equity (ytd only) | 9.3738% | 1,449 |
| Net charge-offs to loans | -0.1750% | 6,959 |
| Credit loss provision to net charge-offs | -370.0000% | 5,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1876% | 4,891 |
| Assets per employee ($millions) | 5.0588% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.1783% | 74 |
| Loan loss allowance to noncurrent loans | 89.1783% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 7.1124% | 593 |
| Noncurrent loans to loans | 6.9280% | 656 |
| Net loans and leases to total assets | 63.2043% | 3,005 |
| Net loans and leases to deposits | 79.5094% | 2,271 |
| Net loans and leases to core deposits | 105.8165% | 679 |
| Total domestic deposits to total assets | 79.4930% | 5,977 |
| Equity capital to assets | 10.3820% | 3,633 |
| Core capital (leverage) ratio | 8.9203% | 4,963 |
| Tier 1 risk-based capital ratio | 12.1188% | 5,883 |
| Total risk-based capital ratio | 13.3668% | 5,863 |
| Memoranda: |
| Average total assets | $102,242,500 | 4,883 |
| Average earning assets | $92,057,000 | 4,903 |
| Average equity | $10,412,000 | 4,937 |
| Average total loans | $68,577,500 | 4,495 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2613% | 1,830 |
| Cost of funding earning assets | 1.1706% | 2,218 |
| Net interest margin | 4.0907% | 2,462 |
| Noninterest income to average assets | 0.8155% | 1,979 |
| Noninterest expense to average assets | 2.6246% | 4,999 |
| Loan and lease loss provision to assets | 1.8513% | 348 |
| Net operating income to assets | 0.1259% | 5,805 |
| Return on assets (ROA) | 0.2832% | 5,469 |
| Pretax return on assets | 0.1951% | 5,800 |
| Return on Equity (ROE) | 3.0753% | 5,252 |
| Retained earnings to average equity (ytd only) | 3.0753% | 4,038 |
| Net charge-offs to loans | 0.8433% | 2,052 |
| Credit loss provision to net charge-offs | 339.7690% | 684 |
| Earnings coverage of net charge-offs (x) | 3.4670% | 3,509 |
| Efficiency ratio | 58.1474% | 6,035 |
| Assets per employee ($millions) | 5.1655% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.8974% | 98 |
| Loan loss allowance to noncurrent loans | 90.6640% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 6.2675% | 760 |
| Noncurrent loans to loans | 6.5046% | 717 |
| Net loans and leases to total assets | 62.8477% | 3,441 |
| Net loans and leases to deposits | 80.4460% | 2,438 |
| Net loans and leases to core deposits | 107.2109% | 746 |
| Total domestic deposits to total assets | 78.1241% | 6,168 |
| Equity capital to assets | 9.9894% | 4,181 |
| Core capital (leverage) ratio | 8.1212% | 6,115 |
| Tier 1 risk-based capital ratio | 11.8998% | 5,901 |
| Total risk-based capital ratio | 13.2113% | 5,834 |
| Memoranda: |
| Average total assets | $111,216,200 | 4,613 |
| Average earning assets | $100,544,800 | 4,627 |
| Average equity | $10,242,800 | 4,959 |
| Average total loans | $71,857,400 | 4,417 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1530% | 2,375 |
| Cost of funding earning assets | 1.2068% | 2,279 |
| Net interest margin | 3.9462% | 3,167 |
| Noninterest income to average assets | 0.8575% | 1,811 |
| Noninterest expense to average assets | 2.6503% | 4,902 |
| Loan and lease loss provision to assets | 0.8375% | 1,101 |
| Net operating income to assets | 0.7053% | 3,592 |
| Return on assets (ROA) | 0.8599% | 3,059 |
| Pretax return on assets | 1.1426% | 2,850 |
| Return on Equity (ROE) | 9.5203% | 2,381 |
| Retained earnings to average equity (ytd only) | 9.5203% | 980 |
| Net charge-offs to loans | 0.7110% | 2,135 |
| Credit loss provision to net charge-offs | 183.7209% | 1,609 |
| Earnings coverage of net charge-offs (x) | 3.8915% | 3,256 |
| Efficiency ratio | 59.9042% | 5,739 |
| Assets per employee ($millions) | 5.9957% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1608% | 356 |
| Loan loss allowance to noncurrent loans | 36.1624% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 9.0108% | 446 |
| Noncurrent loans to loans | 11.5060% | 256 |
| Net loans and leases to total assets | 59.4449% | 4,246 |
| Net loans and leases to deposits | 76.3840% | 3,267 |
| Net loans and leases to core deposits | 106.0562% | 861 |
| Total domestic deposits to total assets | 77.8237% | 6,221 |
| Equity capital to assets | 9.4207% | 5,207 |
| Core capital (leverage) ratio | 8.3205% | 5,946 |
| Tier 1 risk-based capital ratio | 11.6818% | 6,120 |
| Total risk-based capital ratio | 12.9747% | 6,084 |
| Memoranda: |
| Average total assets | $113,192,750 | 4,600 |
| Average earning assets | $102,306,500 | 4,610 |
| Average equity | $10,223,500 | 4,987 |
| Average total loans | $72,572,500 | 4,434 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3021% | 1,881 |
| Cost of funding earning assets | 1.2454% | 2,283 |
| Net interest margin | 4.0567% | 2,588 |
| Noninterest income to average assets | 0.8517% | 1,798 |
| Noninterest expense to average assets | 2.6968% | 4,836 |
| Loan and lease loss provision to assets | 0.6640% | 1,450 |
| Net operating income to assets | 0.8694% | 2,771 |
| Return on assets (ROA) | 0.8694% | 2,865 |
| Pretax return on assets | 1.1651% | 2,620 |
| Return on Equity (ROE) | 9.7673% | 2,203 |
| Retained earnings to average equity (ytd only) | 9.7673% | 905 |
| Net charge-offs to loans | 0.9862% | 1,593 |
| Credit loss provision to net charge-offs | 103.8781% | 2,976 |
| Earnings coverage of net charge-offs (x) | 2.8615% | 3,411 |
| Efficiency ratio | 59.5853% | 5,932 |
| Assets per employee ($millions) | 5.5608% | 1,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7100% | 508 |
| Loan loss allowance to noncurrent loans | 60.6270% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 5.8643% | 964 |
| Noncurrent loans to loans | 6.1194% | 962 |
| Net loans and leases to total assets | 61.3752% | 4,014 |
| Net loans and leases to deposits | 78.8638% | 2,986 |
| Net loans and leases to core deposits | 108.9355% | 760 |
| Total domestic deposits to total assets | 77.8242% | 6,322 |
| Equity capital to assets | 9.3772% | 5,020 |
| Core capital (leverage) ratio | 8.1753% | 6,069 |
| Tier 1 risk-based capital ratio | 11.5975% | 6,094 |
| Total risk-based capital ratio | 12.8888% | 6,057 |
| Memoranda: |
| Average total assets | $112,950,670 | 4,632 |
| Average earning assets | $102,299,670 | 4,643 |
| Average equity | $10,054,000 | 5,038 |
| Average total loans | $73,210,330 | 4,454 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5309% | 1,218 |
| Cost of funding earning assets | 1.2489% | 2,511 |
| Net interest margin | 4.2820% | 1,615 |
| Noninterest income to average assets | 0.9137% | 1,609 |
| Noninterest expense to average assets | 2.7131% | 4,782 |
| Loan and lease loss provision to assets | 0.5623% | 1,535 |
| Net operating income to assets | 1.0719% | 1,944 |
| Return on assets (ROA) | 1.0719% | 1,993 |
| Pretax return on assets | 1.5182% | 1,393 |
| Return on Equity (ROE) | 12.3651% | 1,363 |
| Retained earnings to average equity (ytd only) | 12.3651% | 685 |
| Net charge-offs to loans | -0.5701% | 7,425 |
| Credit loss provision to net charge-offs | -150.9434% | 5,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5982% | 6,431 |
| Assets per employee ($millions) | 5.7298% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9209% | 439 |
| Loan loss allowance to noncurrent loans | 259.6396% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 3.0472% | 2,265 |
| Noncurrent loans to loans | 1.5101% | 4,210 |
| Net loans and leases to total assets | 61.6269% | 3,942 |
| Net loans and leases to deposits | 79.1061% | 2,870 |
| Net loans and leases to core deposits | 111.4668% | 675 |
| Total domestic deposits to total assets | 77.9041% | 6,393 |
| Equity capital to assets | 8.7822% | 5,521 |
| Core capital (leverage) ratio | 7.9747% | 6,285 |
| Tier 1 risk-based capital ratio | 10.8484% | 6,610 |
| Total risk-based capital ratio | 12.0797% | 6,603 |
| Memoranda: |
| Average total assets | $113,818,000 | 4,654 |
| Average earning assets | $103,129,000 | 4,654 |
| Average equity | $9,866,500 | 5,074 |
| Average total loans | $74,371,000 | 4,446 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6870% | 1,616 |
| Cost of funding earning assets | 1.6518% | 1,822 |
| Net interest margin | 4.0353% | 2,863 |
| Noninterest income to average assets | 0.6697% | 3,021 |
| Noninterest expense to average assets | 2.4481% | 5,952 |
| Loan and lease loss provision to assets | 1.4525% | 1,025 |
| Net operating income to assets | 0.3945% | 4,563 |
| Return on assets (ROA) | 0.3716% | 4,818 |
| Pretax return on assets | 0.3825% | 5,000 |
| Return on Equity (ROE) | 4.5892% | 4,254 |
| Retained earnings to average equity (ytd only) | 4.5892% | 2,668 |
| Net charge-offs to loans | 3.5033% | 403 |
| Credit loss provision to net charge-offs | 62.6366% | 6,037 |
| Earnings coverage of net charge-offs (x) | 0.8015% | 5,326 |
| Efficiency ratio | 56.8431% | 6,484 |
| Assets per employee ($millions) | 5.6520% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4770% | 603 |
| Loan loss allowance to noncurrent loans | 402.4615% | 774 |
| Noncurrent assets plus other real estate owned to assets | 2.6822% | 2,600 |
| Noncurrent loans to loans | 0.8639% | 5,334 |
| Net loans and leases to total assets | 64.2445% | 3,825 |
| Net loans and leases to deposits | 81.1256% | 2,964 |
| Net loans and leases to core deposits | 123.0047% | 448 |
| Total domestic deposits to total assets | 79.1914% | 6,035 |
| Equity capital to assets | 8.5536% | 5,791 |
| Core capital (leverage) ratio | 6.8799% | 7,077 |
| Tier 1 risk-based capital ratio | 10.0033% | 6,982 |
| Total risk-based capital ratio | 11.2885% | 6,955 |
| Memoranda: |
| Average total assets | $118,419,600 | 4,510 |
| Average earning assets | $106,734,200 | 4,539 |
| Average equity | $9,587,800 | 5,240 |
| Average total loans | $78,384,200 | 4,379 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6591% | 1,853 |
| Cost of funding earning assets | 1.7082% | 1,834 |
| Net interest margin | 3.9509% | 3,320 |
| Noninterest income to average assets | 0.9886% | 1,491 |
| Noninterest expense to average assets | 2.6106% | 5,277 |
| Loan and lease loss provision to assets | 1.2736% | 1,109 |
| Net operating income to assets | 0.5458% | 4,108 |
| Return on assets (ROA) | 0.5199% | 4,400 |
| Pretax return on assets | 0.6290% | 4,489 |
| Return on Equity (ROE) | 6.5080% | 3,570 |
| Retained earnings to average equity (ytd only) | 6.5080% | 2,087 |
| Net charge-offs to loans | 3.7808% | 338 |
| Credit loss provision to net charge-offs | 50.9577% | 5,866 |
| Earnings coverage of net charge-offs (x) | 0.7737% | 5,290 |
| Efficiency ratio | 57.4473% | 6,353 |
| Assets per employee ($millions) | 5.6361% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2735% | 656 |
| Loan loss allowance to noncurrent loans | 381.5315% | 782 |
| Noncurrent assets plus other real estate owned to assets | 3.6947% | 1,929 |
| Noncurrent loans to loans | 0.8580% | 5,507 |
| Net loans and leases to total assets | 63.4358% | 4,230 |
| Net loans and leases to deposits | 85.5518% | 2,431 |
| Net loans and leases to core deposits | 139.0639% | 265 |
| Total domestic deposits to total assets | 74.1490% | 6,902 |
| Equity capital to assets | 8.4379% | 6,346 |
| Core capital (leverage) ratio | 7.3771% | 6,958 |
| Tier 1 risk-based capital ratio | 10.5214% | 6,762 |
| Total risk-based capital ratio | 11.7692% | 6,752 |
| Memoranda: |
| Average total assets | $119,764,500 | 4,547 |
| Average earning assets | $107,788,250 | 4,574 |
| Average equity | $9,567,500 | 5,325 |
| Average total loans | $79,170,750 | 4,426 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4518% | 2,741 |
| Cost of funding earning assets | 1.7577% | 1,829 |
| Net interest margin | 3.6941% | 4,391 |
| Noninterest income to average assets | 0.9531% | 1,507 |
| Noninterest expense to average assets | 2.7164% | 4,842 |
| Loan and lease loss provision to assets | 1.0530% | 1,373 |
| Net operating income to assets | 0.4582% | 4,513 |
| Return on assets (ROA) | 0.4391% | 4,743 |
| Pretax return on assets | 0.4974% | 4,908 |
| Return on Equity (ROE) | 5.6005% | 3,993 |
| Retained earnings to average equity (ytd only) | 5.6005% | 2,556 |
| Net charge-offs to loans | 3.3230% | 451 |
| Credit loss provision to net charge-offs | 47.8097% | 5,466 |
| Earnings coverage of net charge-offs (x) | 0.7137% | 5,030 |
| Efficiency ratio | 63.3437% | 5,458 |
| Assets per employee ($millions) | 6.0748% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7073% | 471 |
| Loan loss allowance to noncurrent loans | 98.8279% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 5.1485% | 1,232 |
| Noncurrent loans to loans | 3.7513% | 2,076 |
| Net loans and leases to total assets | 60.0831% | 5,043 |
| Net loans and leases to deposits | 75.6323% | 4,396 |
| Net loans and leases to core deposits | 126.5173% | 499 |
| Total domestic deposits to total assets | 79.4411% | 5,906 |
| Equity capital to assets | 7.5080% | 7,111 |
| Core capital (leverage) ratio | 6.7686% | 7,298 |
| Tier 1 risk-based capital ratio | 9.4461% | 7,282 |
| Total risk-based capital ratio | 10.6708% | 7,299 |
| Memoranda: |
| Average total assets | $120,233,000 | 4,564 |
| Average earning assets | $108,552,000 | 4,593 |
| Average equity | $9,427,670 | 5,368 |
| Average total loans | $79,686,670 | 4,452 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6803% | 1,849 |
| Cost of funding earning assets | 1.8276% | 1,761 |
| Net interest margin | 3.8527% | 3,552 |
| Noninterest income to average assets | 0.8545% | 1,797 |
| Noninterest expense to average assets | 2.8722% | 4,177 |
| Loan and lease loss provision to assets | 1.0398% | 1,188 |
| Net operating income to assets | 0.4118% | 4,789 |
| Return on assets (ROA) | 0.4118% | 4,932 |
| Pretax return on assets | 0.4221% | 5,218 |
| Return on Equity (ROE) | 5.1323% | 4,291 |
| Retained earnings to average equity (ytd only) | 5.1323% | 3,080 |
| Net charge-offs to loans | 5.2577% | 222 |
| Credit loss provision to net charge-offs | 28.9122% | 4,831 |
| Earnings coverage of net charge-offs (x) | 0.4065% | 4,671 |
| Efficiency ratio | 66.2708% | 5,060 |
| Assets per employee ($millions) | 5.6969% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7303% | 458 |
| Loan loss allowance to noncurrent loans | 109.4447% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 4.8498% | 1,349 |
| Noncurrent loans to loans | 3.4084% | 2,339 |
| Net loans and leases to total assets | 62.4948% | 4,658 |
| Net loans and leases to deposits | 78.6222% | 3,919 |
| Net loans and leases to core deposits | 140.8640% | 319 |
| Total domestic deposits to total assets | 79.4874% | 5,958 |
| Equity capital to assets | 7.8891% | 6,768 |
| Core capital (leverage) ratio | 6.9326% | 7,292 |
| Tier 1 risk-based capital ratio | 9.4226% | 7,339 |
| Total risk-based capital ratio | 10.6521% | 7,351 |
| Memoranda: |
| Average total assets | $116,564,500 | 4,707 |
| Average earning assets | $105,275,500 | 4,729 |
| Average equity | $9,352,500 | 5,439 |
| Average total loans | $79,730,500 | 4,518 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8432% | 2,473 |
| Cost of funding earning assets | 2.5228% | 970 |
| Net interest margin | 3.3204% | 5,666 |
| Noninterest income to average assets | 1.0784% | 1,327 |
| Noninterest expense to average assets | 3.2051% | 3,364 |
| Loan and lease loss provision to assets | 4.9830% | 197 |
| Net operating income to assets | -2.3094% | 7,201 |
| Return on assets (ROA) | -2.3094% | 7,204 |
| Pretax return on assets | -4.0764% | 7,547 |
| Return on Equity (ROE) | -23.2528% | 7,242 |
| Retained earnings to average equity (ytd only) | -23.2528% | 7,210 |
| Net charge-offs to loans | 3.7656% | 481 |
| Credit loss provision to net charge-offs | 184.1840% | 2,225 |
| Earnings coverage of net charge-offs (x) | 0.3351% | 5,782 |
| Efficiency ratio | 77.9496% | 3,201 |
| Assets per employee ($millions) | 5.1589% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.4524% | 262 |
| Loan loss allowance to noncurrent loans | 57.9844% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 6.5827% | 820 |
| Noncurrent loans to loans | 7.6786% | 673 |
| Net loans and leases to total assets | 68.8638% | 3,521 |
| Net loans and leases to deposits | 91.9451% | 1,903 |
| Net loans and leases to core deposits | 175.5785% | 191 |
| Total domestic deposits to total assets | 74.8967% | 6,880 |
| Equity capital to assets | 8.1651% | 6,385 |
| Core capital (leverage) ratio | 7.6543% | 6,607 |
| Tier 1 risk-based capital ratio | 9.8827% | 6,966 |
| Total risk-based capital ratio | 11.1779% | 6,913 |
| Memoranda: |
| Average total assets | $110,073,600 | 4,819 |
| Average earning assets | $100,561,200 | 4,829 |
| Average equity | $10,932,000 | 5,039 |
| Average total loans | $79,083,400 | 4,547 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7382% | 3,148 |
| Cost of funding earning assets | 2.6550% | 895 |
| Net interest margin | 3.0832% | 6,355 |
| Noninterest income to average assets | 1.0218% | 1,527 |
| Noninterest expense to average assets | 2.6600% | 5,491 |
| Loan and lease loss provision to assets | 4.1933% | 264 |
| Net operating income to assets | -1.6114% | 7,162 |
| Return on assets (ROA) | -1.6114% | 7,160 |
| Pretax return on assets | -3.0104% | 7,502 |
| Return on Equity (ROE) | -15.5086% | 7,211 |
| Retained earnings to average equity (ytd only) | -15.5086% | 7,161 |
| Net charge-offs to loans | 1.6053% | 1,271 |
| Credit loss provision to net charge-offs | 363.8771% | 1,118 |
| Earnings coverage of net charge-offs (x) | 1.0265% | 5,025 |
| Efficiency ratio | 69.2186% | 4,741 |
| Assets per employee ($millions) | 4.6172% | 2,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.5007% | 209 |
| Loan loss allowance to noncurrent loans | 36.5856% | 5,960 |
| Noncurrent assets plus other real estate owned to assets | 10.5547% | 308 |
| Noncurrent loans to loans | 12.3017% | 255 |
| Net loans and leases to total assets | 69.4323% | 3,624 |
| Net loans and leases to deposits | 95.0287% | 1,710 |
| Net loans and leases to core deposits | 165.9728% | 305 |
| Total domestic deposits to total assets | 73.0645% | 7,078 |
| Equity capital to assets | 9.5269% | 4,707 |
| Core capital (leverage) ratio | 9.0081% | 4,636 |
| Tier 1 risk-based capital ratio | 11.4811% | 5,449 |
| Total risk-based capital ratio | 12.7193% | 5,405 |
| Memoranda: |
| Average total assets | $109,218,250 | 4,877 |
| Average earning assets | $99,935,750 | 4,863 |
| Average equity | $11,348,250 | 4,967 |
| Average total loans | $78,404,500 | 4,611 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9139% | 2,523 |
| Cost of funding earning assets | 2.7561% | 894 |
| Net interest margin | 3.1578% | 6,072 |
| Noninterest income to average assets | 0.9734% | 1,679 |
| Noninterest expense to average assets | 2.6627% | 5,506 |
| Loan and lease loss provision to assets | 1.0857% | 1,578 |
| Net operating income to assets | 0.2631% | 5,034 |
| Return on assets (ROA) | 0.2631% | 5,130 |
| Pretax return on assets | 0.1178% | 5,636 |
| Return on Equity (ROE) | 2.4630% | 5,122 |
| Retained earnings to average equity (ytd only) | 2.4630% | 3,967 |
| Net charge-offs to loans | 1.5936% | 1,186 |
| Credit loss provision to net charge-offs | 95.3150% | 4,760 |
| Earnings coverage of net charge-offs (x) | 1.0565% | 4,731 |
| Efficiency ratio | 68.8720% | 4,998 |
| Assets per employee ($millions) | 4.5823% | 2,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4014% | 3,715 |
| Loan loss allowance to noncurrent loans | 20.4853% | 7,102 |
| Noncurrent assets plus other real estate owned to assets | 6.5234% | 697 |
| Noncurrent loans to loans | 6.8409% | 730 |
| Net loans and leases to total assets | 70.7585% | 3,518 |
| Net loans and leases to deposits | 96.5435% | 1,718 |
| Net loans and leases to core deposits | 177.0598% | 249 |
| Total domestic deposits to total assets | 73.2919% | 7,067 |
| Equity capital to assets | 10.6034% | 3,294 |
| Core capital (leverage) ratio | 10.4101% | 2,893 |
| Tier 1 risk-based capital ratio | 12.7087% | 4,353 |
| Total risk-based capital ratio | 13.9313% | 4,288 |
| Memoranda: |
| Average total assets | $108,686,670 | 4,920 |
| Average earning assets | $99,562,330 | 4,901 |
| Average equity | $11,612,000 | 4,916 |
| Average total loans | $77,684,000 | 4,668 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1361% | 1,806 |
| Cost of funding earning assets | 2.8314% | 906 |
| Net interest margin | 3.3047% | 5,482 |
| Noninterest income to average assets | 0.9107% | 1,810 |
| Noninterest expense to average assets | 2.6767% | 5,115 |
| Loan and lease loss provision to assets | 0.5553% | 2,260 |
| Net operating income to assets | 0.6775% | 3,672 |
| Return on assets (ROA) | 0.6775% | 3,855 |
| Pretax return on assets | 0.7034% | 4,427 |
| Return on Equity (ROE) | 6.3172% | 3,892 |
| Retained earnings to average equity (ytd only) | 6.3172% | 2,490 |
| Net charge-offs to loans | 0.4671% | 2,279 |
| Credit loss provision to net charge-offs | 166.6667% | 2,553 |
| Earnings coverage of net charge-offs (x) | 3.7778% | 3,070 |
| Efficiency ratio | 68.0151% | 4,966 |
| Assets per employee ($millions) | 4.3331% | 3,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5569% | 2,695 |
| Loan loss allowance to noncurrent loans | 47.7236% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 4.0460% | 1,264 |
| Noncurrent loans to loans | 3.2622% | 1,974 |
| Net loans and leases to total assets | 69.7530% | 3,734 |
| Net loans and leases to deposits | 94.9510% | 2,116 |
| Net loans and leases to core deposits | 186.0079% | 201 |
| Total domestic deposits to total assets | 73.4621% | 6,974 |
| Equity capital to assets | 10.8495% | 3,127 |
| Core capital (leverage) ratio | 10.7373% | 2,710 |
| Tier 1 risk-based capital ratio | 13.3284% | 3,980 |
| Total risk-based capital ratio | 14.5795% | 3,893 |
| Memoranda: |
| Average total assets | $108,043,000 | 4,949 |
| Average earning assets | $98,889,500 | 4,947 |
| Average equity | $11,587,500 | 4,959 |
| Average total loans | $77,065,000 | 4,726 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7124% | 1,984 |
| Cost of funding earning assets | 3.4480% | 610 |
| Net interest margin | 3.2644% | 6,166 |
| Noninterest income to average assets | 1.0983% | 1,304 |
| Noninterest expense to average assets | 2.5411% | 5,854 |
| Loan and lease loss provision to assets | 0.7395% | 2,005 |
| Net operating income to assets | 0.6975% | 3,901 |
| Return on assets (ROA) | 0.6975% | 3,738 |
| Pretax return on assets | 0.8216% | 3,988 |
| Return on Equity (ROE) | 6.3750% | 3,805 |
| Retained earnings to average equity (ytd only) | 2.0145% | 3,978 |
| Net charge-offs to loans | 0.6524% | 1,902 |
| Credit loss provision to net charge-offs | 157.8411% | 3,293 |
| Earnings coverage of net charge-offs (x) | 3.3320% | 4,419 |
| Efficiency ratio | 61.9446% | 5,960 |
| Assets per employee ($millions) | 4.3103% | 2,939 |
| Cash dividends to net income (ytd only)* | 68.3995% | 2,255 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4669% | 2,848 |
| Loan loss allowance to noncurrent loans | 45.7661% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 3.9487% | 1,052 |
| Noncurrent loans to loans | 3.2053% | 1,642 |
| Net loans and leases to total assets | 70.7493% | 3,846 |
| Net loans and leases to deposits | 96.0878% | 2,435 |
| Net loans and leases to core deposits | 181.5450% | 274 |
| Total domestic deposits to total assets | 73.6298% | 6,711 |
| Equity capital to assets | 10.5997% | 3,390 |
| Core capital (leverage) ratio | 10.6025% | 2,902 |
| Tier 1 risk-based capital ratio | 12.7882% | 4,231 |
| Total risk-based capital ratio | 14.0487% | 4,150 |
| Memoranda: |
| Average total assets | $104,795,400 | 4,907 |
| Average earning assets | $96,433,000 | 4,900 |
| Average equity | $11,466,600 | 4,983 |
| Average total loans | $75,261,800 | 4,681 |
