Home > Central Bank > Performance and Condition Ratios
Central Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7811% | 855 |
| Cost of funding earning assets | 2.4439% | 415 |
| Net interest margin | 3.3372% | 2,539 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.7118% | 1,704 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.5934% | 3,454 |
| Return on assets (ROA) | 0.5934% | 3,449 |
| Pretax return on assets | 0.7897% | 3,233 |
| Return on Equity (ROE) | 6.1700% | 3,486 |
| Retained earnings to average equity (ytd only) | 6.1694% | 2,183 |
| Net charge-offs to loans | 0.2832% | 377 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 3.4502% | 2,644 |
| Efficiency ratio | 77.0417% | 1,158 |
| Assets per employee ($millions) | 5.8431% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 3,675 |
| Loan loss allowance to noncurrent loans | 153.3110% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.5017% | 1,119 |
| Noncurrent loans to loans | 0.5942% | 1,326 |
| Net loans and leases to total assets | 83.6600% | 298 |
| Net loans and leases to deposits | 106.0472% | 292 |
| Net loans and leases to core deposits | 136.1815% | 313 |
| Total domestic deposits to total assets | 78.8900% | 3,625 |
| Equity capital to assets | 9.5943% | 2,279 |
| Core capital (leverage) ratio | 9.5444% | 3,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $287,332,800 | 2,486 |
| Average earning assets | $269,896,000 | 2,466 |
| Average equity | $27,636,600 | 2,386 |
| Average total loans | $237,664,200 | 2,072 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7040% | 784 |
| Cost of funding earning assets | 2.3026% | 408 |
| Net interest margin | 3.4014% | 2,454 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.7653% | 1,506 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.6417% | 3,449 |
| Return on assets (ROA) | 0.6417% | 3,439 |
| Pretax return on assets | 0.8454% | 3,227 |
| Return on Equity (ROE) | 6.6700% | 3,508 |
| Retained earnings to average equity (ytd only) | 6.6670% | 2,409 |
| Net charge-offs to loans | 0.3615% | 240 |
| Credit loss provision to net charge-offs | 11.3386% | 2,032 |
| Earnings coverage of net charge-offs (x) | 3.0583% | 2,450 |
| Efficiency ratio | 75.2485% | 1,246 |
| Assets per employee ($millions) | 5.4763% | 3,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9919% | 3,413 |
| Loan loss allowance to noncurrent loans | 187.8030% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.4171% | 1,394 |
| Noncurrent loans to loans | 0.5282% | 1,502 |
| Net loans and leases to total assets | 78.1800% | 858 |
| Net loans and leases to deposits | 93.5550% | 935 |
| Net loans and leases to core deposits | 124.5539% | 446 |
| Total domestic deposits to total assets | 83.5700% | 2,882 |
| Equity capital to assets | 9.1319% | 2,342 |
| Core capital (leverage) ratio | 9.4658% | 3,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $284,666,250 | 2,500 |
| Average earning assets | $267,174,500 | 2,480 |
| Average equity | $27,398,000 | 2,384 |
| Average total loans | $234,178,000 | 2,085 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6223% | 711 |
| Cost of funding earning assets | 2.1482% | 375 |
| Net interest margin | 3.4741% | 2,331 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.8479% | 1,333 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.6966% | 3,351 |
| Return on assets (ROA) | 0.6966% | 3,354 |
| Pretax return on assets | 0.9195% | 3,123 |
| Return on Equity (ROE) | 7.1000% | 3,461 |
| Retained earnings to average equity (ytd only) | 7.1041% | 2,250 |
| Net charge-offs to loans | 0.3231% | 259 |
| Credit loss provision to net charge-offs | 19.2513% | 1,773 |
| Earnings coverage of net charge-offs (x) | 3.7754% | 2,247 |
| Efficiency ratio | 73.6616% | 1,383 |
| Assets per employee ($millions) | 5.7022% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0822% | 3,031 |
| Loan loss allowance to noncurrent loans | 171.0340% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.5251% | 1,038 |
| Noncurrent loans to loans | 0.6328% | 1,181 |
| Net loans and leases to total assets | 82.0900% | 416 |
| Net loans and leases to deposits | 99.6043% | 532 |
| Net loans and leases to core deposits | 128.3506% | 351 |
| Total domestic deposits to total assets | 82.4200% | 3,154 |
| Equity capital to assets | 9.3244% | 2,294 |
| Core capital (leverage) ratio | 9.6445% | 3,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $277,331,000 | 2,545 |
| Average earning assets | $260,500,000 | 2,528 |
| Average equity | $27,195,667 | 2,403 |
| Average total loans | $231,516,667 | 2,090 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4732% | 647 |
| Cost of funding earning assets | 1.8659% | 392 |
| Net interest margin | 3.6074% | 2,112 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 3.0298% | 1,013 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.7873% | 3,230 |
| Return on assets (ROA) | 0.7873% | 3,179 |
| Pretax return on assets | 1.0383% | 2,892 |
| Return on Equity (ROE) | 7.8200% | 3,335 |
| Retained earnings to average equity (ytd only) | 7.8162% | 2,271 |
| Net charge-offs to loans | 0.1588% | 438 |
| Credit loss provision to net charge-offs | 61.7978% | 1,276 |
| Earnings coverage of net charge-offs (x) | 8.4719% | 1,720 |
| Efficiency ratio | 72.8972% | 1,448 |
| Assets per employee ($millions) | 5.2833% | 3,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2609% | 2,237 |
| Loan loss allowance to noncurrent loans | 116.6335% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.8974% | 499 |
| Noncurrent loans to loans | 1.0811% | 660 |
| Net loans and leases to total assets | 81.9700% | 378 |
| Net loans and leases to deposits | 102.8892% | 334 |
| Net loans and leases to core deposits | 127.4424% | 312 |
| Total domestic deposits to total assets | 79.6700% | 3,809 |
| Equity capital to assets | 9.7230% | 1,984 |
| Core capital (leverage) ratio | 10.2305% | 2,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $267,740,500 | 2,631 |
| Average earning assets | $250,820,500 | 2,616 |
| Average equity | $26,969,500 | 2,438 |
| Average total loans | $224,241,500 | 2,143 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0864% | 261 |
| Cost of funding earning assets | 0.6799% | 643 |
| Net interest margin | 4.4066% | 347 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 3.1834% | 737 |
| Loan and lease loss provision to assets | -0.3600% | 4,681 |
| Net operating income to assets | 1.1579% | 1,943 |
| Return on assets (ROA) | 1.1579% | 1,880 |
| Pretax return on assets | 1.4896% | 1,485 |
| Return on Equity (ROE) | 11.9200% | 2,167 |
| Retained earnings to average equity (ytd only) | 11.9229% | 681 |
| Net charge-offs to loans | 0.0245% | 1,569 |
| Credit loss provision to net charge-offs | -1,856.8627% | 4,682 |
| Earnings coverage of net charge-offs (x) | 57.2353% | 1,289 |
| Efficiency ratio | 73.8932% | 1,229 |
| Assets per employee ($millions) | 4.9128% | 3,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 1,593 |
| Loan loss allowance to noncurrent loans | 241.2531% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.4811% | 1,056 |
| Noncurrent loans to loans | 0.5689% | 1,307 |
| Net loans and leases to total assets | 83.4000% | 302 |
| Net loans and leases to deposits | 101.4508% | 386 |
| Net loans and leases to core deposits | 117.2224% | 422 |
| Total domestic deposits to total assets | 82.2100% | 3,586 |
| Equity capital to assets | 10.4566% | 1,466 |
| Core capital (leverage) ratio | 10.5366% | 2,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $259,529,800 | 2,674 |
| Average earning assets | $239,165,400 | 2,676 |
| Average equity | $25,203,600 | 2,570 |
| Average total loans | $208,256,000 | 2,176 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8018% | 283 |
| Cost of funding earning assets | 0.5257% | 657 |
| Net interest margin | 4.2760% | 353 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.8990% | 1,059 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.0506% | 2,283 |
| Return on assets (ROA) | 1.0506% | 2,251 |
| Pretax return on assets | 1.3326% | 1,943 |
| Return on Equity (ROE) | 11.0300% | 2,370 |
| Retained earnings to average equity (ytd only) | 11.0257% | 1,048 |
| Net charge-offs to loans | -0.0032% | 3,373 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.2942% | 1,977 |
| Assets per employee ($millions) | 4.8077% | 3,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8781% | 626 |
| Loan loss allowance to noncurrent loans | 467.6815% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 1,583 |
| Noncurrent loans to loans | 0.4016% | 1,816 |
| Net loans and leases to total assets | 83.4700% | 289 |
| Net loans and leases to deposits | 99.7023% | 371 |
| Net loans and leases to core deposits | 107.7764% | 539 |
| Total domestic deposits to total assets | 83.7200% | 3,557 |
| Equity capital to assets | 10.3072% | 1,464 |
| Core capital (leverage) ratio | 10.1035% | 2,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $260,546,000 | 2,682 |
| Average earning assets | $239,406,500 | 2,690 |
| Average equity | $24,826,250 | 2,630 |
| Average total loans | $206,312,000 | 2,197 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6882% | 260 |
| Cost of funding earning assets | 0.4969% | 526 |
| Net interest margin | 4.1913% | 343 |
| Noninterest income to average assets | 0.3567% | 3,012 |
| Noninterest expense to average assets | 2.8266% | 1,124 |
| Loan and lease loss provision to assets | 0.0424% | 1,808 |
| Net operating income to assets | 1.0687% | 1,904 |
| Return on assets (ROA) | 1.0687% | 1,881 |
| Pretax return on assets | 1.3141% | 1,697 |
| Return on Equity (ROE) | 11.5126% | 1,831 |
| Retained earnings to average equity (ytd only) | 11.5126% | 697 |
| Net charge-offs to loans | 0.0167% | 1,412 |
| Credit loss provision to net charge-offs | 329.4118% | 768 |
| Earnings coverage of net charge-offs (x) | 105.3529% | 791 |
| Efficiency ratio | 67.5720% | 2,301 |
| Assets per employee ($millions) | 5.1732% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0141% | 537 |
| Loan loss allowance to noncurrent loans | 508.5133% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 1,787 |
| Noncurrent loans to loans | 0.3961% | 1,944 |
| Net loans and leases to total assets | 75.2700% | 797 |
| Net loans and leases to deposits | 89.0071% | 771 |
| Net loans and leases to core deposits | 99.0673% | 708 |
| Total domestic deposits to total assets | 84.5663% | 3,572 |
| Equity capital to assets | 9.7123% | 1,873 |
| Core capital (leverage) ratio | 9.4651% | 2,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $264,061,333 | 2,685 |
| Average earning assets | $241,071,000 | 2,713 |
| Average equity | $24,512,333 | 2,708 |
| Average total loans | $204,195,667 | 2,209 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5612% | 276 |
| Cost of funding earning assets | 0.4973% | 506 |
| Net interest margin | 4.0639% | 362 |
| Noninterest income to average assets | 0.3404% | 3,055 |
| Noninterest expense to average assets | 2.7635% | 1,228 |
| Loan and lease loss provision to assets | 0.0375% | 1,683 |
| Net operating income to assets | 1.0031% | 1,874 |
| Return on assets (ROA) | 1.0031% | 1,865 |
| Pretax return on assets | 1.2521% | 1,652 |
| Return on Equity (ROE) | 11.0544% | 1,602 |
| Retained earnings to average equity (ytd only) | 11.0544% | 778 |
| Net charge-offs to loans | 0.0309% | 995 |
| Credit loss provision to net charge-offs | 156.2500% | 848 |
| Earnings coverage of net charge-offs (x) | 53.7500% | 900 |
| Efficiency ratio | 68.1835% | 2,483 |
| Assets per employee ($millions) | 5.3678% | 3,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9747% | 649 |
| Loan loss allowance to noncurrent loans | 1,210.6707% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 2,959 |
| Noncurrent loans to loans | 0.1631% | 2,990 |
| Net loans and leases to total assets | 73.4470% | 703 |
| Net loans and leases to deposits | 86.0243% | 735 |
| Net loans and leases to core deposits | 96.2115% | 643 |
| Total domestic deposits to total assets | 85.3794% | 3,448 |
| Equity capital to assets | 9.1208% | 2,610 |
| Core capital (leverage) ratio | 9.0183% | 3,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,761,000 | 2,684 |
| Average earning assets | $243,705,500 | 2,714 |
| Average equity | $24,207,500 | 2,824 |
| Average total loans | $206,945,000 | 2,182 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7497% | 393 |
| Cost of funding earning assets | 0.6462% | 430 |
| Net interest margin | 4.1035% | 592 |
| Noninterest income to average assets | 0.5072% | 2,529 |
| Noninterest expense to average assets | 2.3658% | 2,598 |
| Loan and lease loss provision to assets | 0.6298% | 79 |
| Net operating income to assets | 1.0358% | 2,536 |
| Return on assets (ROA) | 1.0757% | 2,459 |
| Pretax return on assets | 1.4159% | 1,995 |
| Return on Equity (ROE) | 13.2916% | 1,374 |
| Retained earnings to average equity (ytd only) | 13.2916% | 369 |
| Net charge-offs to loans | 0.3555% | 237 |
| Credit loss provision to net charge-offs | 215.5828% | 1,267 |
| Earnings coverage of net charge-offs (x) | 6.8294% | 2,378 |
| Efficiency ratio | 54.2495% | 3,908 |
| Assets per employee ($millions) | 5.5236% | 3,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8623% | 783 |
| Loan loss allowance to noncurrent loans | 1,299.3443% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 3,123 |
| Noncurrent loans to loans | 0.1433% | 3,220 |
| Net loans and leases to total assets | 78.7651% | 337 |
| Net loans and leases to deposits | 92.2379% | 457 |
| Net loans and leases to core deposits | 103.7360% | 415 |
| Total domestic deposits to total assets | 85.3934% | 3,138 |
| Equity capital to assets | 9.0279% | 3,594 |
| Core capital (leverage) ratio | 8.8148% | 3,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,974,000 | 2,548 |
| Average earning assets | $261,996,000 | 2,539 |
| Average equity | $22,578,200 | 3,011 |
| Average total loans | $229,251,800 | 2,054 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6476% | 529 |
| Cost of funding earning assets | 0.6811% | 425 |
| Net interest margin | 3.9665% | 841 |
| Noninterest income to average assets | 0.5061% | 2,600 |
| Noninterest expense to average assets | 2.2650% | 2,849 |
| Loan and lease loss provision to assets | 0.4012% | 156 |
| Net operating income to assets | 1.2022% | 2,162 |
| Return on assets (ROA) | 1.2548% | 2,040 |
| Pretax return on assets | 1.6537% | 1,542 |
| Return on Equity (ROE) | 15.9357% | 964 |
| Retained earnings to average equity (ytd only) | 15.9357% | 306 |
| Net charge-offs to loans | 0.4788% | 159 |
| Credit loss provision to net charge-offs | 101.4320% | 1,564 |
| Earnings coverage of net charge-offs (x) | 5.0263% | 2,239 |
| Efficiency ratio | 53.2519% | 3,898 |
| Assets per employee ($millions) | 5.5320% | 3,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3733% | 2,134 |
| Loan loss allowance to noncurrent loans | 873.7752% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 3,259 |
| Noncurrent loans to loans | 0.1572% | 3,341 |
| Net loans and leases to total assets | 80.3322% | 270 |
| Net loans and leases to deposits | 98.0622% | 272 |
| Net loans and leases to core deposits | 111.8914% | 291 |
| Total domestic deposits to total assets | 81.9196% | 3,941 |
| Equity capital to assets | 8.7108% | 4,059 |
| Core capital (leverage) ratio | 9.1040% | 3,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $282,434,000 | 2,546 |
| Average earning assets | $266,826,000 | 2,531 |
| Average equity | $22,238,750 | 3,067 |
| Average total loans | $233,365,750 | 2,069 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9733% | 1,634 |
| Cost of funding earning assets | 0.7680% | 336 |
| Net interest margin | 3.2053% | 2,735 |
| Noninterest income to average assets | 0.5932% | 2,250 |
| Noninterest expense to average assets | 2.1801% | 3,156 |
| Loan and lease loss provision to assets | 0.0699% | 1,655 |
| Net operating income to assets | 1.0604% | 2,679 |
| Return on assets (ROA) | 1.1383% | 2,470 |
| Pretax return on assets | 1.5009% | 2,014 |
| Return on Equity (ROE) | 14.9580% | 1,169 |
| Retained earnings to average equity (ytd only) | 14.9580% | 436 |
| Net charge-offs to loans | 0.5792% | 137 |
| Credit loss provision to net charge-offs | 14.5349% | 1,754 |
| Earnings coverage of net charge-offs (x) | 3.0625% | 2,093 |
| Efficiency ratio | 59.6901% | 3,055 |
| Assets per employee ($millions) | 6.1496% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0440% | 3,659 |
| Loan loss allowance to noncurrent loans | 700.8646% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.1439% | 3,288 |
| Noncurrent loans to loans | 0.1490% | 3,456 |
| Net loans and leases to total assets | 81.4874% | 239 |
| Net loans and leases to deposits | 114.6454% | 76 |
| Net loans and leases to core deposits | 135.0009% | 104 |
| Total domestic deposits to total assets | 71.0778% | 4,732 |
| Equity capital to assets | 7.9835% | 4,547 |
| Core capital (leverage) ratio | 8.8900% | 3,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0307% | 2,356 |
| Memoranda: | ||
| Average total assets | $286,223,000 | 2,514 |
| Average earning assets | $273,174,667 | 2,489 |
| Average equity | $21,781,000 | 3,108 |
| Average total loans | $237,559,000 | 2,052 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7568% | 2,225 |
| Cost of funding earning assets | 0.8046% | 340 |
| Net interest margin | 2.9522% | 3,380 |
| Noninterest income to average assets | 0.3390% | 3,402 |
| Noninterest expense to average assets | 2.0160% | 3,672 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8656% | 3,222 |
| Return on assets (ROA) | 0.8656% | 3,307 |
| Pretax return on assets | 1.1421% | 3,006 |
| Return on Equity (ROE) | 11.6560% | 2,143 |
| Retained earnings to average equity (ytd only) | 11.6560% | 1,237 |
| Net charge-offs to loans | 0.0550% | 959 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 24.9091% | 1,165 |
| Efficiency ratio | 63.8363% | 2,486 |
| Assets per employee ($millions) | 6.8661% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 2,870 |
| Loan loss allowance to noncurrent loans | 143.1720% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.6949% | 1,351 |
| Noncurrent loans to loans | 0.8463% | 1,586 |
| Net loans and leases to total assets | 78.8504% | 408 |
| Net loans and leases to deposits | 120.4398% | 66 |
| Net loans and leases to core deposits | 143.0363% | 86 |
| Total domestic deposits to total assets | 65.4687% | 4,846 |
| Equity capital to assets | 7.0193% | 4,841 |
| Core capital (leverage) ratio | 8.8353% | 3,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3124% | 2,865 |
| Memoranda: | ||
| Average total assets | $287,893,000 | 2,499 |
| Average earning assets | $274,918,000 | 2,461 |
| Average equity | $21,379,500 | 3,126 |
| Average total loans | $239,865,500 | 2,034 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9802% | 508 |
| Cost of funding earning assets | 1.2078% | 266 |
| Net interest margin | 3.7724% | 1,581 |
| Noninterest income to average assets | 0.4663% | 2,787 |
| Noninterest expense to average assets | 2.5846% | 2,605 |
| Loan and lease loss provision to assets | 0.5006% | 494 |
| Net operating income to assets | 0.7311% | 3,329 |
| Return on assets (ROA) | 0.7311% | 3,453 |
| Pretax return on assets | 0.9567% | 3,193 |
| Return on Equity (ROE) | 9.0249% | 2,382 |
| Retained earnings to average equity (ytd only) | 9.0249% | 766 |
| Net charge-offs to loans | -0.0025% | 4,010 |
| Credit loss provision to net charge-offs | -24,540.0000% | 4,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9447% | 2,833 |
| Assets per employee ($millions) | 5.9291% | 2,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 2,435 |
| Loan loss allowance to noncurrent loans | 135.1230% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.8602% | 1,168 |
| Noncurrent loans to loans | 0.9588% | 1,476 |
| Net loans and leases to total assets | 86.2389% | 93 |
| Net loans and leases to deposits | 125.4717% | 52 |
| Net loans and leases to core deposits | 149.9576% | 88 |
| Total domestic deposits to total assets | 68.7318% | 4,798 |
| Equity capital to assets | 7.8974% | 4,748 |
| Core capital (leverage) ratio | 8.9949% | 3,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5325% | 2,794 |
| Memoranda: | ||
| Average total assets | $245,107,000 | 2,612 |
| Average earning assets | $232,319,800 | 2,584 |
| Average equity | $19,856,200 | 3,201 |
| Average total loans | $200,489,600 | 2,233 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7853% | 902 |
| Cost of funding earning assets | 1.3012% | 245 |
| Net interest margin | 3.4841% | 2,641 |
| Noninterest income to average assets | 0.1930% | 4,318 |
| Noninterest expense to average assets | 2.5528% | 2,682 |
| Loan and lease loss provision to assets | 0.0651% | 3,524 |
| Net operating income to assets | 0.6664% | 3,575 |
| Return on assets (ROA) | 0.6664% | 3,680 |
| Pretax return on assets | 0.8728% | 3,453 |
| Return on Equity (ROE) | 8.1693% | 2,739 |
| Retained earnings to average equity (ytd only) | 8.1693% | 1,251 |
| Net charge-offs to loans | -0.0035% | 3,976 |
| Credit loss provision to net charge-offs | -2,340.0000% | 4,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1315% | 1,504 |
| Assets per employee ($millions) | 6.3414% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8511% | 4,222 |
| Loan loss allowance to noncurrent loans | 83.9859% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 0.8176% | 1,411 |
| Noncurrent loans to loans | 1.0133% | 1,472 |
| Net loans and leases to total assets | 77.9352% | 835 |
| Net loans and leases to deposits | 113.3908% | 175 |
| Net loans and leases to core deposits | 133.6942% | 199 |
| Total domestic deposits to total assets | 68.7315% | 4,795 |
| Equity capital to assets | 7.1715% | 4,923 |
| Core capital (leverage) ratio | 8.6011% | 4,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,681,000 | 2,624 |
| Average earning assets | $226,855,000 | 2,602 |
| Average equity | $19,552,500 | 3,230 |
| Average total loans | $192,333,250 | 2,304 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9812% | 856 |
| Cost of funding earning assets | 1.4499% | 188 |
| Net interest margin | 3.5313% | 2,699 |
| Noninterest income to average assets | 0.1417% | 4,596 |
| Noninterest expense to average assets | 2.7338% | 2,280 |
| Loan and lease loss provision to assets | 0.0633% | 3,504 |
| Net operating income to assets | 0.5168% | 3,966 |
| Return on assets (ROA) | 0.5168% | 4,050 |
| Pretax return on assets | 0.6736% | 3,922 |
| Return on Equity (ROE) | 6.0265% | 3,500 |
| Retained earnings to average equity (ytd only) | 6.0265% | 2,071 |
| Net charge-offs to loans | -0.0044% | 3,983 |
| Credit loss provision to net charge-offs | -1,775.0000% | 3,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7677% | 979 |
| Assets per employee ($millions) | 6.0403% | 2,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8490% | 4,193 |
| Loan loss allowance to noncurrent loans | 347.3881% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.2193% | 3,452 |
| Noncurrent loans to loans | 0.2444% | 3,506 |
| Net loans and leases to total assets | 79.9976% | 596 |
| Net loans and leases to deposits | 117.5107% | 112 |
| Net loans and leases to core deposits | 139.8024% | 171 |
| Total domestic deposits to total assets | 68.0768% | 4,837 |
| Equity capital to assets | 7.3017% | 4,924 |
| Core capital (leverage) ratio | 8.9740% | 3,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3224% | 2,884 |
| Memoranda: | ||
| Average total assets | $224,453,333 | 2,723 |
| Average earning assets | $211,595,667 | 2,701 |
| Average equity | $19,248,333 | 3,250 |
| Average total loans | $181,675,000 | 2,390 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1439% | 731 |
| Cost of funding earning assets | 1.6507% | 158 |
| Net interest margin | 3.4931% | 3,006 |
| Noninterest income to average assets | 0.2172% | 4,252 |
| Noninterest expense to average assets | 3.0382% | 1,787 |
| Loan and lease loss provision to assets | 0.1972% | 1,537 |
| Net operating income to assets | 0.2012% | 4,530 |
| Return on assets (ROA) | 0.2012% | 4,541 |
| Pretax return on assets | 0.2490% | 4,521 |
| Return on Equity (ROE) | 2.1320% | 4,416 |
| Retained earnings to average equity (ytd only) | 2.1320% | 3,392 |
| Net charge-offs to loans | -0.0025% | 3,689 |
| Credit loss provision to net charge-offs | -9,900.0000% | 3,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1927% | 622 |
| Assets per employee ($millions) | 4.5713% | 3,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1338% | 3,022 |
| Loan loss allowance to noncurrent loans | 156.4677% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.6294% | 2,114 |
| Noncurrent loans to loans | 0.7247% | 2,184 |
| Net loans and leases to total assets | 81.8048% | 456 |
| Net loans and leases to deposits | 97.5491% | 777 |
| Net loans and leases to core deposits | 120.4031% | 454 |
| Total domestic deposits to total assets | 83.8601% | 2,833 |
| Equity capital to assets | 9.4891% | 4,232 |
| Core capital (leverage) ratio | 8.8910% | 4,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8218% | 3,150 |
| Memoranda: | ||
| Average total assets | $200,774,000 | 2,862 |
| Average earning assets | $187,796,500 | 2,849 |
| Average equity | $18,949,000 | 3,278 |
| Average total loans | $162,860,000 | 2,516 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3776% | 700 |
| Cost of funding earning assets | 1.7421% | 169 |
| Net interest margin | 3.6355% | 3,014 |
| Noninterest income to average assets | 0.6482% | 2,010 |
| Noninterest expense to average assets | 3.2011% | 1,515 |
| Loan and lease loss provision to assets | 0.0867% | 2,283 |
| Net operating income to assets | 0.5730% | 4,239 |
| Return on assets (ROA) | 0.5730% | 4,297 |
| Pretax return on assets | 0.7487% | 4,087 |
| Return on Equity (ROE) | 6.2696% | 3,829 |
| Retained earnings to average equity (ytd only) | 4.1617% | 2,879 |
| Net charge-offs to loans | 0.3473% | 581 |
| Credit loss provision to net charge-offs | 31.2871% | 3,263 |
| Earnings coverage of net charge-offs (x) | 3.0139% | 3,363 |
| Efficiency ratio | 79.3038% | 1,002 |
| Assets per employee ($millions) | 4.3568% | 3,426 |
| Cash dividends to net income (ytd only)* | 33.6207% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 2,885 |
| Loan loss allowance to noncurrent loans | 383.1169% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.2605% | 3,389 |
| Noncurrent loans to loans | 0.2900% | 3,393 |
| Net loans and leases to total assets | 78.6002% | 989 |
| Net loans and leases to deposits | 93.6372% | 1,192 |
| Net loans and leases to core deposits | 114.7857% | 640 |
| Total domestic deposits to total assets | 83.9412% | 2,860 |
| Equity capital to assets | 9.3866% | 4,438 |
| Core capital (leverage) ratio | 9.0433% | 4,496 |
| Tier 1 risk-based capital ratio | 10.8974% | 4,891 |
| Total risk-based capital ratio | 12.0095% | 4,851 |
| Memoranda: | ||
| Average total assets | $182,185,800 | 2,993 |
| Average earning assets | $169,797,200 | 2,993 |
| Average equity | $16,651,800 | 3,473 |
| Average total loans | $145,398,600 | 2,661 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4169% | 676 |
| Cost of funding earning assets | 1.7534% | 169 |
| Net interest margin | 3.6634% | 3,050 |
| Noninterest income to average assets | 0.7393% | 1,626 |
| Noninterest expense to average assets | 3.2449% | 1,380 |
| Loan and lease loss provision to assets | 0.0998% | 1,925 |
| Net operating income to assets | 0.6072% | 4,278 |
| Return on assets (ROA) | 0.6072% | 4,331 |
| Pretax return on assets | 0.8024% | 4,112 |
| Return on Equity (ROE) | 6.6947% | 3,814 |
| Retained earnings to average equity (ytd only) | 6.6947% | 2,015 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2443% | 1,077 |
| Assets per employee ($millions) | 4.1095% | 3,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 1,221 |
| Loan loss allowance to noncurrent loans | 267.8571% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 2,622 |
| Noncurrent loans to loans | 0.5636% | 2,608 |
| Net loans and leases to total assets | 77.6563% | 1,196 |
| Net loans and leases to deposits | 93.6111% | 1,259 |
| Net loans and leases to core deposits | 114.7189% | 722 |
| Total domestic deposits to total assets | 82.9563% | 3,185 |
| Equity capital to assets | 10.0054% | 4,012 |
| Core capital (leverage) ratio | 9.4417% | 4,230 |
| Tier 1 risk-based capital ratio | 11.3880% | 4,726 |
| Total risk-based capital ratio | 12.6404% | 4,622 |
| Memoranda: | ||
| Average total assets | $177,629,000 | 3,070 |
| Average earning assets | $165,233,000 | 3,066 |
| Average equity | $16,111,750 | 3,564 |
| Average total loans | $141,924,500 | 2,728 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3098% | 802 |
| Cost of funding earning assets | 1.7336% | 164 |
| Net interest margin | 3.5762% | 3,348 |
| Noninterest income to average assets | 0.6903% | 1,756 |
| Noninterest expense to average assets | 3.2550% | 1,378 |
| Loan and lease loss provision to assets | 0.1346% | 1,374 |
| Net operating income to assets | 0.4729% | 4,588 |
| Return on assets (ROA) | 0.4729% | 4,618 |
| Pretax return on assets | 0.6213% | 4,501 |
| Return on Equity (ROE) | 5.4159% | 4,230 |
| Retained earnings to average equity (ytd only) | 5.4159% | 2,564 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1532% | 870 |
| Assets per employee ($millions) | 4.1400% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5371% | 1,165 |
| Loan loss allowance to noncurrent loans | 223.4000% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.5954% | 2,237 |
| Noncurrent loans to loans | 0.6880% | 2,250 |
| Net loans and leases to total assets | 80.3875% | 824 |
| Net loans and leases to deposits | 91.6224% | 1,532 |
| Net loans and leases to core deposits | 112.0012% | 867 |
| Total domestic deposits to total assets | 87.7378% | 1,230 |
| Equity capital to assets | 8.7008% | 4,955 |
| Core capital (leverage) ratio | 8.0510% | 5,150 |
| Tier 1 risk-based capital ratio | 9.3228% | 5,281 |
| Total risk-based capital ratio | 10.5755% | 5,278 |
| Memoranda: | ||
| Average total assets | $173,826,000 | 3,122 |
| Average earning assets | $161,398,670 | 3,117 |
| Average equity | $15,177,670 | 3,664 |
| Average total loans | $139,549,330 | 2,773 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2650% | 810 |
| Cost of funding earning assets | 1.6765% | 170 |
| Net interest margin | 3.5885% | 3,294 |
| Noninterest income to average assets | 0.4565% | 2,817 |
| Noninterest expense to average assets | 3.0350% | 1,890 |
| Loan and lease loss provision to assets | 0.0862% | 1,981 |
| Net operating income to assets | 0.5124% | 4,484 |
| Return on assets (ROA) | 0.5124% | 4,507 |
| Pretax return on assets | 0.6708% | 4,371 |
| Return on Equity (ROE) | 5.8581% | 4,062 |
| Retained earnings to average equity (ytd only) | 5.8581% | 2,517 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0369% | 1,063 |
| Assets per employee ($millions) | 4.0657% | 3,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5551% | 1,168 |
| Loan loss allowance to noncurrent loans | 214.9701% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.6075% | 2,249 |
| Noncurrent loans to loans | 0.7234% | 2,213 |
| Net loans and leases to total assets | 77.9962% | 1,150 |
| Net loans and leases to deposits | 86.7140% | 2,036 |
| Net loans and leases to core deposits | 106.4533% | 1,144 |
| Total domestic deposits to total assets | 89.9465% | 464 |
| Equity capital to assets | 8.6853% | 4,885 |
| Core capital (leverage) ratio | 8.1291% | 5,172 |
| Tier 1 risk-based capital ratio | 9.4654% | 5,334 |
| Total risk-based capital ratio | 10.7182% | 5,319 |
| Memoranda: | ||
| Average total assets | $171,729,500 | 3,173 |
| Average earning assets | $159,621,000 | 3,174 |
| Average equity | $15,022,000 | 3,697 |
| Average total loans | $136,654,500 | 2,831 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0724% | 903 |
| Cost of funding earning assets | 1.3637% | 164 |
| Net interest margin | 3.7087% | 3,002 |
| Noninterest income to average assets | 0.9496% | 1,064 |
| Noninterest expense to average assets | 3.4346% | 1,096 |
| Loan and lease loss provision to assets | 0.4626% | 273 |
| Net operating income to assets | 0.4074% | 4,849 |
| Return on assets (ROA) | 0.4074% | 4,841 |
| Pretax return on assets | 0.5107% | 4,782 |
| Return on Equity (ROE) | 4.1885% | 4,662 |
| Retained earnings to average equity (ytd only) | 1.8733% | 4,400 |
| Net charge-offs to loans | 0.4538% | 399 |
| Credit loss provision to net charge-offs | 128.2918% | 2,057 |
| Earnings coverage of net charge-offs (x) | 2.6993% | 3,497 |
| Efficiency ratio | 77.9185% | 1,138 |
| Assets per employee ($millions) | 3.9224% | 4,008 |
| Cash dividends to net income (ytd only)* | 55.2756% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5705% | 1,093 |
| Loan loss allowance to noncurrent loans | 140.3846% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.9297% | 1,483 |
| Noncurrent loans to loans | 1.1187% | 1,445 |
| Net loans and leases to total assets | 78.6674% | 1,154 |
| Net loans and leases to deposits | 87.8887% | 2,057 |
| Net loans and leases to core deposits | 111.3235% | 917 |
| Total domestic deposits to total assets | 89.5080% | 659 |
| Equity capital to assets | 8.8265% | 4,712 |
| Core capital (leverage) ratio | 8.2066% | 5,171 |
| Tier 1 risk-based capital ratio | 9.9262% | 5,325 |
| Total risk-based capital ratio | 11.1796% | 5,275 |
| Memoranda: | ||
| Average total assets | $155,856,600 | 3,327 |
| Average earning assets | $145,335,800 | 3,309 |
| Average equity | $15,160,600 | 3,622 |
| Average total loans | $123,850,200 | 2,953 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0246% | 894 |
| Cost of funding earning assets | 1.2742% | 176 |
| Net interest margin | 3.7505% | 2,824 |
| Noninterest income to average assets | 1.1450% | 715 |
| Noninterest expense to average assets | 3.2901% | 1,322 |
| Loan and lease loss provision to assets | 0.0192% | 3,622 |
| Net operating income to assets | 1.0088% | 3,046 |
| Return on assets (ROA) | 1.0088% | 3,059 |
| Pretax return on assets | 1.3372% | 2,476 |
| Return on Equity (ROE) | 10.1120% | 2,567 |
| Retained earnings to average equity (ytd only) | 7.0390% | 2,106 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8083% | 2,072 |
| Assets per employee ($millions) | 3.8849% | 4,061 |
| Cash dividends to net income (ytd only)* | 30.3898% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5184% | 1,282 |
| Loan loss allowance to noncurrent loans | 150.5703% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.8231% | 1,798 |
| Noncurrent loans to loans | 1.0085% | 1,697 |
| Net loans and leases to total assets | 76.8734% | 1,520 |
| Net loans and leases to deposits | 86.3331% | 2,337 |
| Net loans and leases to core deposits | 109.4457% | 1,069 |
| Total domestic deposits to total assets | 89.0428% | 833 |
| Equity capital to assets | 9.1679% | 4,405 |
| Core capital (leverage) ratio | 9.0240% | 4,682 |
| Tier 1 risk-based capital ratio | 10.2945% | 5,296 |
| Total risk-based capital ratio | 11.5469% | 5,221 |
| Memoranda: | ||
| Average total assets | $152,655,250 | 3,388 |
| Average earning assets | $142,520,750 | 3,363 |
| Average equity | $15,229,000 | 3,633 |
| Average total loans | $121,113,000 | 3,010 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0492% | 731 |
| Cost of funding earning assets | 1.2002% | 184 |
| Net interest margin | 3.8490% | 2,386 |
| Noninterest income to average assets | 1.4879% | 433 |
| Noninterest expense to average assets | 3.2518% | 1,432 |
| Loan and lease loss provision to assets | 0.0298% | 3,314 |
| Net operating income to assets | 1.3635% | 1,559 |
| Return on assets (ROA) | 1.3635% | 1,560 |
| Pretax return on assets | 1.8112% | 935 |
| Return on Equity (ROE) | 13.2629% | 1,277 |
| Retained earnings to average equity (ytd only) | 13.2629% | 345 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8513% | 3,329 |
| Assets per employee ($millions) | 4.0411% | 3,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6138% | 1,073 |
| Loan loss allowance to noncurrent loans | 151.4920% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.9142% | 1,643 |
| Noncurrent loans to loans | 1.0653% | 1,659 |
| Net loans and leases to total assets | 80.7313% | 899 |
| Net loans and leases to deposits | 92.0250% | 1,574 |
| Net loans and leases to core deposits | 116.9442% | 669 |
| Total domestic deposits to total assets | 87.7276% | 1,519 |
| Equity capital to assets | 10.4386% | 3,177 |
| Core capital (leverage) ratio | 9.5879% | 4,012 |
| Tier 1 risk-based capital ratio | 11.3947% | 4,840 |
| Total risk-based capital ratio | 12.6484% | 4,746 |
| Memoranda: | ||
| Average total assets | $147,857,000 | 3,464 |
| Average earning assets | $138,478,330 | 3,433 |
| Average equity | $15,200,330 | 3,650 |
| Average total loans | $118,018,330 | 3,060 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8823% | 903 |
| Cost of funding earning assets | 1.0878% | 242 |
| Net interest margin | 3.7945% | 2,448 |
| Noninterest income to average assets | 2.1765% | 244 |
| Noninterest expense to average assets | 3.3790% | 1,198 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7847% | 582 |
| Return on assets (ROA) | 1.7847% | 588 |
| Pretax return on assets | 2.3751% | 277 |
| Return on Equity (ROE) | 17.4974% | 458 |
| Retained earnings to average equity (ytd only) | 17.4974% | 174 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7234% | 4,262 |
| Assets per employee ($millions) | 4.6982% | 2,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7166% | 916 |
| Loan loss allowance to noncurrent loans | 194.1176% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.7184% | 2,167 |
| Noncurrent loans to loans | 0.8843% | 2,063 |
| Net loans and leases to total assets | 75.4021% | 1,635 |
| Net loans and leases to deposits | 86.7198% | 2,079 |
| Net loans and leases to core deposits | 109.9375% | 1,012 |
| Total domestic deposits to total assets | 86.9491% | 2,146 |
| Equity capital to assets | 10.1548% | 3,445 |
| Core capital (leverage) ratio | 9.6452% | 3,911 |
| Tier 1 risk-based capital ratio | 11.6412% | 4,778 |
| Total risk-based capital ratio | 12.8970% | 4,667 |
| Memoranda: | ||
| Average total assets | $147,024,500 | 3,509 |
| Average earning assets | $138,622,500 | 3,471 |
| Average equity | $14,996,500 | 3,711 |
| Average total loans | $115,682,000 | 3,117 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8723% | 849 |
| Cost of funding earning assets | 1.0781% | 147 |
| Net interest margin | 3.7942% | 2,447 |
| Noninterest income to average assets | 2.1024% | 274 |
| Noninterest expense to average assets | 3.2202% | 1,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3577% | 1,102 |
| Return on assets (ROA) | 1.3577% | 1,119 |
| Pretax return on assets | 2.3993% | 218 |
| Return on Equity (ROE) | 13.0437% | 942 |
| Retained earnings to average equity (ytd only) | 10.6825% | 277 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3047% | 4,614 |
| Assets per employee ($millions) | 4.9554% | 2,535 |
| Cash dividends to net income (ytd only)* | 18.1025% | 3,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6876% | 967 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 4,925 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 79.3733% | 1,059 |
| Net loans and leases to deposits | 90.9413% | 1,660 |
| Net loans and leases to core deposits | 112.3716% | 880 |
| Total domestic deposits to total assets | 87.2797% | 1,867 |
| Equity capital to assets | 10.2472% | 3,438 |
| Core capital (leverage) ratio | 9.5369% | 3,994 |
| Tier 1 risk-based capital ratio | 11.3140% | 4,971 |
| Total risk-based capital ratio | 12.5693% | 4,844 |
| Memoranda: | ||
| Average total assets | $135,083,800 | 3,679 |
| Average earning assets | $125,218,200 | 3,661 |
| Average equity | $14,060,400 | 3,837 |
| Average total loans | $103,283,600 | 3,297 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9001% | 760 |
| Cost of funding earning assets | 1.0720% | 130 |
| Net interest margin | 3.8281% | 2,292 |
| Noninterest income to average assets | 2.1314% | 286 |
| Noninterest expense to average assets | 3.2879% | 1,382 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5055% | 884 |
| Return on assets (ROA) | 1.5055% | 911 |
| Pretax return on assets | 2.3752% | 265 |
| Return on Equity (ROE) | 14.4039% | 753 |
| Retained earnings to average equity (ytd only) | 14.4039% | 138 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0588% | 4,493 |
| Assets per employee ($millions) | 4.9671% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8111% | 841 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 5,016 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 76.3270% | 1,532 |
| Net loans and leases to deposits | 88.2191% | 2,026 |
| Net loans and leases to core deposits | 108.7811% | 1,109 |
| Total domestic deposits to total assets | 86.5198% | 2,094 |
| Equity capital to assets | 10.6343% | 3,232 |
| Core capital (leverage) ratio | 9.6519% | 3,985 |
| Tier 1 risk-based capital ratio | 12.3572% | 4,404 |
| Total risk-based capital ratio | 13.6161% | 4,306 |
| Memoranda: | ||
| Average total assets | $132,928,000 | 3,737 |
| Average earning assets | $122,635,000 | 3,740 |
| Average equity | $13,894,000 | 3,899 |
| Average total loans | $100,098,750 | 3,380 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8662% | 750 |
| Cost of funding earning assets | 1.0488% | 134 |
| Net interest margin | 3.8174% | 2,223 |
| Noninterest income to average assets | 2.0645% | 300 |
| Noninterest expense to average assets | 3.4001% | 1,163 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3769% | 1,113 |
| Return on assets (ROA) | 1.3769% | 1,142 |
| Pretax return on assets | 2.1684% | 374 |
| Return on Equity (ROE) | 13.2546% | 969 |
| Retained earnings to average equity (ytd only) | 13.2546% | 233 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0593% | 4,157 |
| Assets per employee ($millions) | 5.4657% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8869% | 738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 5,073 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 71.6413% | 2,257 |
| Net loans and leases to deposits | 89.1785% | 1,841 |
| Net loans and leases to core deposits | 104.0131% | 1,349 |
| Total domestic deposits to total assets | 80.3347% | 4,341 |
| Equity capital to assets | 9.9938% | 3,915 |
| Core capital (leverage) ratio | 9.3648% | 4,275 |
| Tier 1 risk-based capital ratio | 12.2024% | 4,487 |
| Total risk-based capital ratio | 13.4606% | 4,367 |
| Memoranda: | ||
| Average total assets | $130,878,000 | 3,790 |
| Average earning assets | $120,135,000 | 3,807 |
| Average equity | $13,595,330 | 3,949 |
| Average total loans | $97,427,670 | 3,437 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5757% | 1,197 |
| Cost of funding earning assets | 1.0437% | 135 |
| Net interest margin | 3.5320% | 3,155 |
| Noninterest income to average assets | 1.2071% | 706 |
| Noninterest expense to average assets | 3.0145% | 2,131 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9324% | 2,597 |
| Return on assets (ROA) | 0.9324% | 2,653 |
| Pretax return on assets | 1.4561% | 1,677 |
| Return on Equity (ROE) | 8.7872% | 2,517 |
| Retained earnings to average equity (ytd only) | 8.7872% | 1,149 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4286% | 3,285 |
| Assets per employee ($millions) | 4.9037% | 2,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0718% | 583 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 4,276 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 72.5911% | 1,992 |
| Net loans and leases to deposits | 87.1469% | 1,898 |
| Net loans and leases to core deposits | 103.0073% | 1,290 |
| Total domestic deposits to total assets | 83.2974% | 3,738 |
| Equity capital to assets | 10.5675% | 3,109 |
| Core capital (leverage) ratio | 9.7806% | 3,775 |
| Tier 1 risk-based capital ratio | 12.4290% | 4,427 |
| Total risk-based capital ratio | 13.6886% | 4,326 |
| Memoranda: | ||
| Average total assets | $125,263,000 | 3,913 |
| Average earning assets | $115,741,500 | 3,920 |
| Average equity | $13,292,000 | 4,018 |
| Average total loans | $94,258,500 | 3,510 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2970% | 2,148 |
| Cost of funding earning assets | 1.0524% | 129 |
| Net interest margin | 3.2446% | 4,315 |
| Noninterest income to average assets | 2.7806% | 225 |
| Noninterest expense to average assets | 3.3359% | 1,496 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.5830% | 708 |
| Return on assets (ROA) | 1.5830% | 738 |
| Pretax return on assets | 2.4905% | 205 |
| Return on Equity (ROE) | 15.2012% | 604 |
| Retained earnings to average equity (ytd only) | 12.8534% | 176 |
| Net charge-offs to loans | -0.6383% | 5,846 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2546% | 4,929 |
| Assets per employee ($millions) | 5.1263% | 2,257 |
| Cash dividends to net income (ytd only)* | 15.4450% | 3,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0934% | 553 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 4,325 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 74.8112% | 1,721 |
| Net loans and leases to deposits | 87.4707% | 1,991 |
| Net loans and leases to core deposits | 103.1445% | 1,348 |
| Total domestic deposits to total assets | 85.5272% | 2,818 |
| Equity capital to assets | 10.6567% | 2,971 |
| Core capital (leverage) ratio | 10.2454% | 3,177 |
| Tier 1 risk-based capital ratio | 13.2639% | 3,916 |
| Total risk-based capital ratio | 14.5256% | 3,825 |
| Memoranda: | ||
| Average total assets | $120,658,400 | 3,982 |
| Average earning assets | $113,265,200 | 3,943 |
| Average equity | $12,564,800 | 4,159 |
| Average total loans | $92,116,600 | 3,532 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2676% | 2,266 |
| Cost of funding earning assets | 1.0424% | 135 |
| Net interest margin | 3.2252% | 4,412 |
| Noninterest income to average assets | 2.9772% | 210 |
| Noninterest expense to average assets | 3.3725% | 1,406 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6779% | 622 |
| Return on assets (ROA) | 1.6779% | 662 |
| Pretax return on assets | 2.6418% | 180 |
| Return on Equity (ROE) | 16.2100% | 522 |
| Retained earnings to average equity (ytd only) | 13.0452% | 218 |
| Net charge-offs to loans | -0.9806% | 5,919 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0746% | 5,061 |
| Assets per employee ($millions) | 5.0356% | 2,326 |
| Cash dividends to net income (ytd only)* | 19.5233% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2109% | 507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3829% | 3,887 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 72.1668% | 2,163 |
| Net loans and leases to deposits | 84.3234% | 2,450 |
| Net loans and leases to core deposits | 105.6985% | 1,213 |
| Total domestic deposits to total assets | 85.5833% | 2,563 |
| Equity capital to assets | 10.3432% | 3,755 |
| Core capital (leverage) ratio | 10.2154% | 3,315 |
| Tier 1 risk-based capital ratio | 13.0916% | 4,104 |
| Total risk-based capital ratio | 14.3548% | 4,006 |
| Memoranda: | ||
| Average total assets | $120,065,250 | 4,019 |
| Average earning assets | $113,065,750 | 3,972 |
| Average equity | $12,428,250 | 4,218 |
| Average total loans | $91,643,500 | 3,559 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3084% | 2,131 |
| Cost of funding earning assets | 1.0327% | 143 |
| Net interest margin | 3.2758% | 4,305 |
| Noninterest income to average assets | 3.7368% | 163 |
| Noninterest expense to average assets | 3.6673% | 922 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.9979% | 333 |
| Return on assets (ROA) | 1.9979% | 346 |
| Pretax return on assets | 3.1577% | 113 |
| Return on Equity (ROE) | 19.2958% | 278 |
| Retained earnings to average equity (ytd only) | 19.2958% | 67 |
| Net charge-offs to loans | -0.9099% | 5,985 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7336% | 5,332 |
| Assets per employee ($millions) | 4.7805% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0092% | 720 |
| Loan loss allowance to noncurrent loans | 303.2095% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.4953% | 3,549 |
| Noncurrent loans to loans | 0.6626% | 3,084 |
| Net loans and leases to total assets | 73.2523% | 1,969 |
| Net loans and leases to deposits | 86.9357% | 2,141 |
| Net loans and leases to core deposits | 111.5136% | 843 |
| Total domestic deposits to total assets | 84.2603% | 3,171 |
| Equity capital to assets | 10.8557% | 3,229 |
| Core capital (leverage) ratio | 10.3090% | 3,184 |
| Tier 1 risk-based capital ratio | 13.5098% | 3,895 |
| Total risk-based capital ratio | 14.7679% | 3,799 |
| Memoranda: | ||
| Average total assets | $118,124,000 | 4,087 |
| Average earning assets | $111,362,670 | 4,033 |
| Average equity | $12,230,670 | 4,278 |
| Average total loans | $91,223,330 | 3,580 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2300% | 2,371 |
| Cost of funding earning assets | 0.9934% | 178 |
| Net interest margin | 3.2366% | 4,449 |
| Noninterest income to average assets | 1.8905% | 367 |
| Noninterest expense to average assets | 3.2530% | 1,715 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0866% | 1,956 |
| Return on assets (ROA) | 1.0866% | 2,056 |
| Pretax return on assets | 1.6895% | 1,092 |
| Return on Equity (ROE) | 10.7598% | 1,692 |
| Retained earnings to average equity (ytd only) | 10.7598% | 700 |
| Net charge-offs to loans | 0.0651% | 1,845 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 33.0667% | 1,124 |
| Efficiency ratio | 65.8167% | 3,835 |
| Assets per employee ($millions) | 4.7127% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 2,331 |
| Loan loss allowance to noncurrent loans | 228.2609% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.4880% | 3,649 |
| Noncurrent loans to loans | 0.6222% | 3,308 |
| Net loans and leases to total assets | 77.3182% | 1,205 |
| Net loans and leases to deposits | 95.3406% | 999 |
| Net loans and leases to core deposits | 122.0096% | 413 |
| Total domestic deposits to total assets | 81.0969% | 4,471 |
| Equity capital to assets | 9.8319% | 4,301 |
| Core capital (leverage) ratio | 10.0723% | 3,446 |
| Tier 1 risk-based capital ratio | 11.6583% | 5,130 |
| Total risk-based capital ratio | 12.9104% | 5,042 |
| Memoranda: | ||
| Average total assets | $117,429,500 | 4,133 |
| Average earning assets | $110,733,000 | 4,077 |
| Average equity | $11,859,000 | 4,351 |
| Average total loans | $92,164,500 | 3,571 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0900% | 527 |
| Cost of funding earning assets | 0.8862% | 309 |
| Net interest margin | 4.2038% | 1,165 |
| Noninterest income to average assets | 0.0919% | 5,897 |
| Noninterest expense to average assets | 3.1908% | 1,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5487% | 4,503 |
| Return on assets (ROA) | 0.6125% | 4,307 |
| Pretax return on assets | 0.9293% | 3,730 |
| Return on Equity (ROE) | 5.6710% | 4,195 |
| Retained earnings to average equity (ytd only) | 5.6710% | 1,972 |
| Net charge-offs to loans | 0.3461% | 858 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 3.0208% | 3,789 |
| Efficiency ratio | 79.3054% | 1,777 |
| Assets per employee ($millions) | 4.4932% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5642% | 1,739 |
| Loan loss allowance to noncurrent loans | 124.2124% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.9891% | 2,225 |
| Noncurrent loans to loans | 1.2593% | 1,868 |
| Net loans and leases to total assets | 77.3140% | 1,206 |
| Net loans and leases to deposits | 93.7123% | 1,228 |
| Net loans and leases to core deposits | 109.9344% | 856 |
| Total domestic deposits to total assets | 82.5014% | 4,018 |
| Equity capital to assets | 10.3900% | 3,504 |
| Core capital (leverage) ratio | 9.9004% | 3,643 |
| Tier 1 risk-based capital ratio | 12.2038% | 4,825 |
| Total risk-based capital ratio | 13.4618% | 4,722 |
| Memoranda: | ||
| Average total assets | $104,487,600 | 4,370 |
| Average earning assets | $97,720,400 | 4,345 |
| Average equity | $11,285,400 | 4,428 |
| Average total loans | $83,217,600 | 3,738 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5052% | 1,575 |
| Cost of funding earning assets | 0.8486% | 378 |
| Net interest margin | 3.6566% | 2,935 |
| Noninterest income to average assets | 0.4643% | 3,602 |
| Noninterest expense to average assets | 3.3031% | 1,680 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3841% | 5,216 |
| Return on assets (ROA) | 0.4721% | 4,989 |
| Pretax return on assets | 0.7048% | 4,666 |
| Return on Equity (ROE) | 4.3256% | 4,902 |
| Retained earnings to average equity (ytd only) | 4.3256% | 3,395 |
| Net charge-offs to loans | -0.0179% | 5,166 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2063% | 1,067 |
| Assets per employee ($millions) | 4.7777% | 2,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9157% | 1,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 78.2304% | 1,068 |
| Net loans and leases to deposits | 98.3053% | 796 |
| Net loans and leases to core deposits | 116.1156% | 588 |
| Total domestic deposits to total assets | 79.5790% | 4,842 |
| Equity capital to assets | 10.3406% | 3,770 |
| Core capital (leverage) ratio | 9.9880% | 3,648 |
| Tier 1 risk-based capital ratio | 12.1478% | 4,995 |
| Total risk-based capital ratio | 13.4107% | 4,890 |
| Memoranda: | ||
| Average total assets | $102,527,250 | 4,461 |
| Average earning assets | $95,679,250 | 4,444 |
| Average equity | $11,189,000 | 4,496 |
| Average total loans | $81,965,500 | 3,805 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5061% | 1,512 |
| Cost of funding earning assets | 0.8308% | 428 |
| Net interest margin | 3.6753% | 2,814 |
| Noninterest income to average assets | 0.4537% | 3,673 |
| Noninterest expense to average assets | 3.2936% | 1,724 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3844% | 5,187 |
| Return on assets (ROA) | 0.5176% | 4,797 |
| Pretax return on assets | 0.7834% | 4,374 |
| Return on Equity (ROE) | 4.6537% | 4,767 |
| Retained earnings to average equity (ytd only) | 4.6537% | 3,076 |
| Net charge-offs to loans | -0.0275% | 5,290 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9923% | 1,154 |
| Assets per employee ($millions) | 4.5182% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9922% | 998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 79.4850% | 870 |
| Net loans and leases to deposits | 104.7878% | 417 |
| Net loans and leases to core deposits | 118.6049% | 506 |
| Total domestic deposits to total assets | 75.8533% | 5,614 |
| Equity capital to assets | 10.6987% | 3,215 |
| Core capital (leverage) ratio | 10.2471% | 3,287 |
| Tier 1 risk-based capital ratio | 12.2465% | 4,972 |
| Total risk-based capital ratio | 13.5102% | 4,864 |
| Memoranda: | ||
| Average total assets | $100,074,000 | 4,551 |
| Average earning assets | $93,162,000 | 4,530 |
| Average equity | $11,131,000 | 4,540 |
| Average total loans | $80,072,670 | 3,876 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4112% | 1,729 |
| Cost of funding earning assets | 0.7937% | 524 |
| Net interest margin | 3.6176% | 2,938 |
| Noninterest income to average assets | 0.3994% | 4,009 |
| Noninterest expense to average assets | 3.3540% | 1,591 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2699% | 5,507 |
| Return on assets (ROA) | 0.4931% | 4,834 |
| Pretax return on assets | 0.7458% | 4,441 |
| Return on Equity (ROE) | 4.3457% | 4,824 |
| Retained earnings to average equity (ytd only) | 4.3457% | 3,405 |
| Net charge-offs to loans | -0.0308% | 5,271 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1658% | 925 |
| Assets per employee ($millions) | 4.6121% | 2,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0844% | 944 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 77.5001% | 993 |
| Net loans and leases to deposits | 99.4209% | 592 |
| Net loans and leases to core deposits | 114.4993% | 559 |
| Total domestic deposits to total assets | 77.9515% | 5,462 |
| Equity capital to assets | 11.0134% | 2,953 |
| Core capital (leverage) ratio | 10.8979% | 2,519 |
| Tier 1 risk-based capital ratio | 12.6506% | 4,815 |
| Total risk-based capital ratio | 13.9140% | 4,720 |
| Memoranda: | ||
| Average total assets | $98,151,500 | 4,620 |
| Average earning assets | $91,221,500 | 4,614 |
| Average equity | $11,137,500 | 4,572 |
| Average total loans | $77,969,500 | 3,963 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6356% | 1,458 |
| Cost of funding earning assets | 0.7854% | 701 |
| Net interest margin | 3.8502% | 2,429 |
| Noninterest income to average assets | 0.3959% | 4,208 |
| Noninterest expense to average assets | 3.7823% | 1,012 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1165% | 5,928 |
| Return on assets (ROA) | 0.1719% | 5,870 |
| Pretax return on assets | 0.1961% | 5,875 |
| Return on Equity (ROE) | 1.3083% | 5,934 |
| Retained earnings to average equity (ytd only) | 1.3083% | 5,190 |
| Net charge-offs to loans | -0.1161% | 6,152 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5986% | 479 |
| Assets per employee ($millions) | 4.7418% | 2,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2055% | 818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 77.9873% | 1,001 |
| Net loans and leases to deposits | 101.1875% | 559 |
| Net loans and leases to core deposits | 113.4286% | 627 |
| Total domestic deposits to total assets | 77.0720% | 5,588 |
| Equity capital to assets | 11.7044% | 2,252 |
| Core capital (leverage) ratio | 11.8013% | 1,763 |
| Tier 1 risk-based capital ratio | 13.0544% | 4,693 |
| Total risk-based capital ratio | 14.3144% | 4,601 |
| Memoranda: | ||
| Average total assets | $82,596,000 | 5,002 |
| Average earning assets | $75,503,000 | 5,004 |
| Average equity | $10,853,800 | 4,592 |
| Average total loans | $63,752,600 | 4,371 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6661% | 1,390 |
| Cost of funding earning assets | 0.7826% | 753 |
| Net interest margin | 3.8835% | 2,310 |
| Noninterest income to average assets | 0.3537% | 4,611 |
| Noninterest expense to average assets | 3.8573% | 902 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0318% | 6,109 |
| Return on assets (ROA) | 0.0654% | 6,097 |
| Pretax return on assets | 0.0654% | 6,103 |
| Return on Equity (ROE) | 0.4818% | 6,106 |
| Retained earnings to average equity (ytd only) | 0.4818% | 5,672 |
| Net charge-offs to loans | 0.0307% | 3,871 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.3567% | 4,175 |
| Efficiency ratio | 99.1810% | 395 |
| Assets per employee ($millions) | 4.0730% | 3,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3071% | 818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 74.6649% | 1,419 |
| Net loans and leases to deposits | 98.3044% | 718 |
| Net loans and leases to core deposits | 106.1967% | 947 |
| Total domestic deposits to total assets | 75.9528% | 5,819 |
| Equity capital to assets | 12.2089% | 1,903 |
| Core capital (leverage) ratio | 12.4891% | 1,407 |
| Tier 1 risk-based capital ratio | 13.4736% | 4,561 |
| Total risk-based capital ratio | 14.7333% | 4,491 |
| Memoranda: | ||
| Average total assets | $79,536,000 | 5,133 |
| Average earning assets | $72,407,250 | 5,133 |
| Average equity | $10,792,250 | 4,631 |
| Average total loans | $60,783,750 | 4,508 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6218% | 1,468 |
| Cost of funding earning assets | 0.7866% | 765 |
| Net interest margin | 3.8352% | 2,432 |
| Noninterest income to average assets | 0.3282% | 4,789 |
| Noninterest expense to average assets | 3.9906% | 774 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1680% | 6,293 |
| Return on assets (ROA) | -0.1155% | 6,278 |
| Pretax return on assets | -0.1155% | 6,265 |
| Return on Equity (ROE) | -0.8191% | 6,266 |
| Retained earnings to average equity (ytd only) | -0.8191% | 5,831 |
| Net charge-offs to loans | 0.0618% | 3,091 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -3.5556% | 4,280 |
| Efficiency ratio | 104.3956% | 314 |
| Assets per employee ($millions) | 3.6465% | 4,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5695% | 643 |
| Loan loss allowance to noncurrent loans | 1,057.7181% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.1857% | 5,577 |
| Noncurrent loans to loans | 0.2429% | 5,272 |
| Net loans and leases to total assets | 74.4914% | 1,379 |
| Net loans and leases to deposits | 90.1861% | 1,353 |
| Net loans and leases to core deposits | 97.2102% | 1,502 |
| Total domestic deposits to total assets | 82.5975% | 4,447 |
| Equity capital to assets | 13.4660% | 1,175 |
| Core capital (leverage) ratio | 13.3496% | 1,034 |
| Tier 1 risk-based capital ratio | 14.7107% | 3,805 |
| Total risk-based capital ratio | 15.9573% | 3,759 |
| Memoranda: | ||
| Average total assets | $76,179,000 | 5,248 |
| Average earning assets | $69,409,670 | 5,230 |
| Average equity | $10,743,000 | 4,666 |
| Average total loans | $58,216,670 | 4,603 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6313% | 1,420 |
| Cost of funding earning assets | 0.7739% | 866 |
| Net interest margin | 3.8574% | 2,240 |
| Noninterest income to average assets | 0.2158% | 5,629 |
| Noninterest expense to average assets | 4.2127% | 598 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.5016% | 6,471 |
| Return on assets (ROA) | -0.4099% | 6,439 |
| Pretax return on assets | -0.4099% | 6,432 |
| Return on Equity (ROE) | -2.8377% | 6,399 |
| Retained earnings to average equity (ytd only) | -2.8377% | 5,948 |
| Net charge-offs to loans | 0.1553% | 1,784 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -4.2273% | 3,569 |
| Efficiency ratio | 113.5174% | 230 |
| Assets per employee ($millions) | 3.4012% | 5,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7396% | 594 |
| Loan loss allowance to noncurrent loans | 1,027.4510% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 5,609 |
| Noncurrent loans to loans | 0.2666% | 5,304 |
| Net loans and leases to total assets | 74.5837% | 1,174 |
| Net loans and leases to deposits | 89.9563% | 1,158 |
| Net loans and leases to core deposits | 96.5503% | 1,345 |
| Total domestic deposits to total assets | 82.9110% | 4,637 |
| Equity capital to assets | 14.2972% | 830 |
| Core capital (leverage) ratio | 14.0681% | 803 |
| Tier 1 risk-based capital ratio | 15.3835% | 3,509 |
| Total risk-based capital ratio | 16.6031% | 3,475 |
| Memoranda: | ||
| Average total assets | $74,156,500 | 5,334 |
| Average earning assets | $67,195,000 | 5,346 |
| Average equity | $10,713,000 | 4,684 |
| Average total loans | $56,657,000 | 4,704 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8831% | 1,125 |
| Cost of funding earning assets | 0.7867% | 1,280 |
| Net interest margin | 4.0964% | 1,651 |
| Noninterest income to average assets | 0.3131% | 5,102 |
| Noninterest expense to average assets | 4.0242% | 852 |
| Loan and lease loss provision to assets | 0.3330% | 970 |
| Net operating income to assets | -0.2239% | 6,377 |
| Return on assets (ROA) | 0.0285% | 6,209 |
| Pretax return on assets | 0.0413% | 6,166 |
| Return on Equity (ROE) | 0.1814% | 6,220 |
| Retained earnings to average equity (ytd only) | 0.1814% | 5,768 |
| Net charge-offs to loans | -0.2860% | 6,664 |
| Credit loss provision to net charge-offs | -156.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7883% | 482 |
| Assets per employee ($millions) | 3.3403% | 5,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8516% | 554 |
| Loan loss allowance to noncurrent loans | 1,009.4937% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.2150% | 5,636 |
| Noncurrent loans to loans | 0.2825% | 5,337 |
| Net loans and leases to total assets | 73.9437% | 1,358 |
| Net loans and leases to deposits | 91.1606% | 1,144 |
| Net loans and leases to core deposits | 96.7988% | 1,396 |
| Total domestic deposits to total assets | 81.1137% | 5,135 |
| Equity capital to assets | 14.5985% | 760 |
| Core capital (leverage) ratio | 14.3303% | 737 |
| Tier 1 risk-based capital ratio | 16.0243% | 3,084 |
| Total risk-based capital ratio | 17.2890% | 3,030 |
| Memoranda: | ||
| Average total assets | $70,275,200 | 5,473 |
| Average earning assets | $63,811,800 | 5,475 |
| Average equity | $11,026,400 | 4,631 |
| Average total loans | $52,443,200 | 4,869 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9457% | 1,035 |
| Cost of funding earning assets | 0.8077% | 1,282 |
| Net interest margin | 4.1380% | 1,517 |
| Noninterest income to average assets | 0.2553% | 5,613 |
| Noninterest expense to average assets | 3.9362% | 924 |
| Loan and lease loss provision to assets | -0.1708% | 6,697 |
| Net operating income to assets | 0.1439% | 6,045 |
| Return on assets (ROA) | 0.3282% | 5,631 |
| Pretax return on assets | 0.5335% | 5,261 |
| Return on Equity (ROE) | 2.0538% | 5,918 |
| Retained earnings to average equity (ytd only) | 2.0538% | 5,098 |
| Net charge-offs to loans | -0.2198% | 6,667 |
| Credit loss provision to net charge-offs | 104.7059% | 2,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1340% | 523 |
| Assets per employee ($millions) | 3.7710% | 4,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1427% | 1,425 |
| Loan loss allowance to noncurrent loans | 749.6894% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.2247% | 5,774 |
| Noncurrent loans to loans | 0.2858% | 5,517 |
| Net loans and leases to total assets | 76.9362% | 882 |
| Net loans and leases to deposits | 97.3802% | 598 |
| Net loans and leases to core deposits | 104.6016% | 847 |
| Total domestic deposits to total assets | 79.0060% | 5,741 |
| Equity capital to assets | 15.3638% | 648 |
| Core capital (leverage) ratio | 15.8249% | 516 |
| Tier 1 risk-based capital ratio | 17.4863% | 2,514 |
| Total risk-based capital ratio | 18.6964% | 2,503 |
| Memoranda: | ||
| Average total assets | $69,472,250 | 5,549 |
| Average earning assets | $63,056,750 | 5,559 |
| Average equity | $11,101,000 | 4,667 |
| Average total loans | $51,570,500 | 4,948 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9616% | 975 |
| Cost of funding earning assets | 0.8280% | 1,271 |
| Net interest margin | 4.1336% | 1,452 |
| Noninterest income to average assets | 0.2211% | 5,860 |
| Noninterest expense to average assets | 3.6918% | 1,259 |
| Loan and lease loss provision to assets | -0.2589% | 6,811 |
| Net operating income to assets | 0.3229% | 5,511 |
| Return on assets (ROA) | 0.6022% | 4,449 |
| Pretax return on assets | 0.9717% | 3,629 |
| Return on Equity (ROE) | 3.7190% | 5,333 |
| Retained earnings to average equity (ytd only) | 3.7190% | 3,941 |
| Net charge-offs to loans | -0.0040% | 5,600 |
| Credit loss provision to net charge-offs | 8,900.0000% | 32 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0352% | 813 |
| Assets per employee ($millions) | 4.0926% | 3,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0550% | 1,732 |
| Loan loss allowance to noncurrent loans | 688.9571% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.2343% | 5,784 |
| Noncurrent loans to loans | 0.2983% | 5,558 |
| Net loans and leases to total assets | 76.9299% | 874 |
| Net loans and leases to deposits | 91.5833% | 1,004 |
| Net loans and leases to core deposits | 98.1264% | 1,206 |
| Total domestic deposits to total assets | 84.0000% | 4,315 |
| Equity capital to assets | 15.9023% | 539 |
| Core capital (leverage) ratio | 16.2653% | 438 |
| Tier 1 risk-based capital ratio | 17.3487% | 2,575 |
| Total risk-based capital ratio | 18.5566% | 2,561 |
| Memoranda: | ||
| Average total assets | $68,746,670 | 5,613 |
| Average earning assets | $62,318,330 | 5,614 |
| Average equity | $11,132,000 | 4,701 |
| Average total loans | $49,983,670 | 5,023 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8744% | 1,145 |
| Cost of funding earning assets | 0.8393% | 1,314 |
| Net interest margin | 4.0351% | 1,665 |
| Noninterest income to average assets | 0.2166% | 5,925 |
| Noninterest expense to average assets | 3.2722% | 2,152 |
| Loan and lease loss provision to assets | -0.6205% | 6,972 |
| Net operating income to assets | 0.7961% | 3,186 |
| Return on assets (ROA) | 0.7961% | 3,319 |
| Pretax return on assets | 1.2234% | 2,494 |
| Return on Equity (ROE) | 4.8719% | 4,650 |
| Retained earnings to average equity (ytd only) | 4.8719% | 3,315 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4411% | 1,708 |
| Assets per employee ($millions) | 3.9592% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1761% | 1,634 |
| Loan loss allowance to noncurrent loans | 624.2938% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.2630% | 5,778 |
| Noncurrent loans to loans | 0.3486% | 5,523 |
| Net loans and leases to total assets | 73.8036% | 1,105 |
| Net loans and leases to deposits | 88.9659% | 1,051 |
| Net loans and leases to core deposits | 95.6116% | 1,223 |
| Total domestic deposits to total assets | 82.9572% | 4,866 |
| Equity capital to assets | 16.6625% | 477 |
| Core capital (leverage) ratio | 15.7127% | 490 |
| Tier 1 risk-based capital ratio | 18.0977% | 2,321 |
| Total risk-based capital ratio | 19.3562% | 2,283 |
| Memoranda: | ||
| Average total assets | $68,332,500 | 5,678 |
| Average earning assets | $61,956,500 | 5,680 |
| Average equity | $11,166,000 | 4,741 |
| Average total loans | $47,652,000 | 5,146 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9391% | 1,719 |
| Cost of funding earning assets | 0.9869% | 1,425 |
| Net interest margin | 3.9522% | 2,597 |
| Noninterest income to average assets | 1.1401% | 1,200 |
| Noninterest expense to average assets | 3.4984% | 1,816 |
| Loan and lease loss provision to assets | 0.2806% | 2,408 |
| Net operating income to assets | 0.5735% | 4,367 |
| Return on assets (ROA) | 0.5735% | 4,621 |
| Pretax return on assets | 0.9239% | 3,835 |
| Return on Equity (ROE) | 3.8356% | 5,212 |
| Retained earnings to average equity (ytd only) | 3.8356% | 3,502 |
| Net charge-offs to loans | 1.8488% | 425 |
| Credit loss provision to net charge-offs | 22.3799% | 5,254 |
| Earnings coverage of net charge-offs (x) | 0.9607% | 4,984 |
| Efficiency ratio | 74.3888% | 3,008 |
| Assets per employee ($millions) | 4.6239% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7199% | 901 |
| Loan loss allowance to noncurrent loans | 680.3371% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.2566% | 5,905 |
| Noncurrent loans to loans | 0.3998% | 5,493 |
| Net loans and leases to total assets | 62.4485% | 3,176 |
| Net loans and leases to deposits | 74.6493% | 3,000 |
| Net loans and leases to core deposits | 79.3584% | 3,095 |
| Total domestic deposits to total assets | 83.6558% | 4,469 |
| Equity capital to assets | 16.0284% | 549 |
| Core capital (leverage) ratio | 15.2694% | 530 |
| Tier 1 risk-based capital ratio | 19.9635% | 1,687 |
| Total risk-based capital ratio | 21.2265% | 1,659 |
| Memoranda: | ||
| Average total assets | $73,061,600 | 5,548 |
| Average earning assets | $65,861,600 | 5,556 |
| Average equity | $10,924,000 | 4,776 |
| Average total loans | $49,546,000 | 5,125 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0472% | 1,565 |
| Cost of funding earning assets | 1.0271% | 1,413 |
| Net interest margin | 4.0202% | 2,413 |
| Noninterest income to average assets | 0.7028% | 2,704 |
| Noninterest expense to average assets | 3.2653% | 2,368 |
| Loan and lease loss provision to assets | 0.1045% | 4,267 |
| Net operating income to assets | 0.5911% | 4,433 |
| Return on assets (ROA) | 0.5911% | 4,698 |
| Pretax return on assets | 0.9515% | 3,909 |
| Return on Equity (ROE) | 4.0211% | 5,285 |
| Retained earnings to average equity (ytd only) | 4.0211% | 4,057 |
| Net charge-offs to loans | 1.4802% | 587 |
| Credit loss provision to net charge-offs | 10.2837% | 5,072 |
| Earnings coverage of net charge-offs (x) | 1.0390% | 4,793 |
| Efficiency ratio | 75.5630% | 2,741 |
| Assets per employee ($millions) | 4.4050% | 3,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1203% | 646 |
| Loan loss allowance to noncurrent loans | 123.7762% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 1.6232% | 3,153 |
| Noncurrent loans to loans | 2.5209% | 2,264 |
| Net loans and leases to total assets | 62.3780% | 3,319 |
| Net loans and leases to deposits | 74.2610% | 3,244 |
| Net loans and leases to core deposits | 79.6853% | 3,243 |
| Total domestic deposits to total assets | 83.9983% | 4,221 |
| Equity capital to assets | 15.7548% | 653 |
| Core capital (leverage) ratio | 14.1772% | 780 |
| Tier 1 risk-based capital ratio | 19.5147% | 1,876 |
| Total risk-based capital ratio | 20.7850% | 1,845 |
| Memoranda: | ||
| Average total assets | $73,987,500 | 5,570 |
| Average earning assets | $66,596,000 | 5,592 |
| Average equity | $10,875,750 | 4,833 |
| Average total loans | $50,801,500 | 5,138 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1182% | 1,462 |
| Cost of funding earning assets | 1.0313% | 1,573 |
| Net interest margin | 4.0869% | 2,144 |
| Noninterest income to average assets | 0.7238% | 2,538 |
| Noninterest expense to average assets | 3.1694% | 2,696 |
| Loan and lease loss provision to assets | 0.2022% | 3,055 |
| Net operating income to assets | 0.6413% | 4,160 |
| Return on assets (ROA) | 0.6413% | 4,412 |
| Pretax return on assets | 1.0325% | 3,586 |
| Return on Equity (ROE) | 4.4631% | 5,053 |
| Retained earnings to average equity (ytd only) | 4.4631% | 3,632 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9637% | 3,440 |
| Assets per employee ($millions) | 5.1199% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7330% | 413 |
| Loan loss allowance to noncurrent loans | 169.6095% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 1.5339% | 3,398 |
| Noncurrent loans to loans | 2.2010% | 2,713 |
| Net loans and leases to total assets | 67.0894% | 2,449 |
| Net loans and leases to deposits | 78.5164% | 2,595 |
| Net loans and leases to core deposits | 83.9837% | 2,691 |
| Total domestic deposits to total assets | 85.4464% | 3,640 |
| Equity capital to assets | 14.2814% | 985 |
| Core capital (leverage) ratio | 13.8491% | 847 |
| Tier 1 risk-based capital ratio | 16.9865% | 2,668 |
| Total risk-based capital ratio | 18.2702% | 2,618 |
| Memoranda: | ||
| Average total assets | $75,156,670 | 5,571 |
| Average earning assets | $67,680,330 | 5,599 |
| Average equity | $10,799,670 | 4,861 |
| Average total loans | $52,608,670 | 5,078 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1329% | 1,487 |
| Cost of funding earning assets | 1.0433% | 1,723 |
| Net interest margin | 4.0896% | 2,140 |
| Noninterest income to average assets | 0.1830% | 6,282 |
| Noninterest expense to average assets | 3.2286% | 2,511 |
| Loan and lease loss provision to assets | 0.2368% | 2,574 |
| Net operating income to assets | 0.2529% | 5,806 |
| Return on assets (ROA) | 0.2529% | 5,960 |
| Pretax return on assets | 0.4090% | 5,694 |
| Return on Equity (ROE) | 1.7545% | 6,145 |
| Retained earnings to average equity (ytd only) | 1.7545% | 5,361 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3333% | 1,753 |
| Assets per employee ($millions) | 5.0604% | 2,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7338% | 449 |
| Loan loss allowance to noncurrent loans | 166.6102% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 1.5546% | 3,530 |
| Noncurrent loans to loans | 2.2410% | 2,873 |
| Net loans and leases to total assets | 66.7773% | 2,333 |
| Net loans and leases to deposits | 77.9204% | 2,526 |
| Net loans and leases to core deposits | 84.2287% | 2,522 |
| Total domestic deposits to total assets | 85.6994% | 3,687 |
| Equity capital to assets | 14.1649% | 962 |
| Core capital (leverage) ratio | 13.4736% | 965 |
| Tier 1 risk-based capital ratio | 16.3244% | 3,002 |
| Total risk-based capital ratio | 17.5978% | 2,948 |
| Memoranda: | ||
| Average total assets | $74,335,500 | 5,635 |
| Average earning assets | $67,096,500 | 5,657 |
| Average equity | $10,715,500 | 4,884 |
| Average total loans | $52,152,000 | 5,140 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2647% | 1,817 |
| Cost of funding earning assets | 1.3555% | 1,218 |
| Net interest margin | 3.9091% | 3,296 |
| Noninterest income to average assets | 1.5678% | 547 |
| Noninterest expense to average assets | 3.3648% | 2,326 |
| Loan and lease loss provision to assets | 1.2795% | 643 |
| Net operating income to assets | 1.2370% | 1,414 |
| Return on assets (ROA) | 1.2370% | 1,514 |
| Pretax return on assets | 0.4724% | 5,068 |
| Return on Equity (ROE) | 10.1818% | 1,997 |
| Retained earnings to average equity (ytd only) | 10.1818% | 525 |
| Net charge-offs to loans | 1.5856% | 999 |
| Credit loss provision to net charge-offs | 119.9035% | 2,662 |
| Earnings coverage of net charge-offs (x) | 1.6417% | 4,539 |
| Efficiency ratio | 65.7610% | 4,823 |
| Assets per employee ($millions) | 4.8510% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7212% | 457 |
| Loan loss allowance to noncurrent loans | 919.6172% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 6,243 |
| Noncurrent loans to loans | 0.4046% | 5,902 |
| Net loans and leases to total assets | 68.3405% | 2,326 |
| Net loans and leases to deposits | 80.3153% | 2,467 |
| Net loans and leases to core deposits | 86.7672% | 2,532 |
| Total domestic deposits to total assets | 85.0904% | 3,793 |
| Equity capital to assets | 14.6760% | 852 |
| Core capital (leverage) ratio | 13.4934% | 968 |
| Tier 1 risk-based capital ratio | 16.8763% | 2,656 |
| Total risk-based capital ratio | 18.1506% | 2,610 |
| Memoranda: | ||
| Average total assets | $77,686,800 | 5,517 |
| Average earning assets | $70,527,000 | 5,519 |
| Average equity | $9,438,400 | 5,169 |
| Average total loans | $52,283,800 | 5,179 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2338% | 2,080 |
| Cost of funding earning assets | 1.4389% | 1,073 |
| Net interest margin | 3.7949% | 3,899 |
| Noninterest income to average assets | 1.9936% | 379 |
| Noninterest expense to average assets | 3.2725% | 2,585 |
| Loan and lease loss provision to assets | 1.0593% | 791 |
| Net operating income to assets | 1.9345% | 394 |
| Return on assets (ROA) | 1.9345% | 430 |
| Pretax return on assets | 1.1151% | 2,944 |
| Return on Equity (ROE) | 16.7242% | 598 |
| Retained earnings to average equity (ytd only) | 16.7242% | 157 |
| Net charge-offs to loans | 0.3127% | 3,536 |
| Credit loss provision to net charge-offs | 509.7561% | 539 |
| Earnings coverage of net charge-offs (x) | 10.4632% | 1,913 |
| Efficiency ratio | 60.0806% | 5,705 |
| Assets per employee ($millions) | 5.3131% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4575% | 273 |
| Loan loss allowance to noncurrent loans | 1,077.1429% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 6,400 |
| Noncurrent loans to loans | 0.4138% | 6,015 |
| Net loans and leases to total assets | 60.8354% | 3,978 |
| Net loans and leases to deposits | 71.1681% | 4,110 |
| Net loans and leases to core deposits | 78.5230% | 3,824 |
| Total domestic deposits to total assets | 85.4813% | 3,508 |
| Equity capital to assets | 13.7759% | 1,255 |
| Core capital (leverage) ratio | 12.1503% | 1,622 |
| Tier 1 risk-based capital ratio | 16.9514% | 2,659 |
| Total risk-based capital ratio | 18.2366% | 2,611 |
| Memoranda: | ||
| Average total assets | $78,917,250 | 5,529 |
| Average earning assets | $71,814,000 | 5,522 |
| Average equity | $9,128,250 | 5,275 |
| Average total loans | $52,442,250 | 5,216 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1927% | 2,286 |
| Cost of funding earning assets | 1.5052% | 990 |
| Net interest margin | 3.6875% | 4,321 |
| Noninterest income to average assets | 2.5528% | 264 |
| Noninterest expense to average assets | 3.4580% | 2,098 |
| Loan and lease loss provision to assets | 0.9230% | 966 |
| Net operating income to assets | 0.7272% | 3,403 |
| Return on assets (ROA) | 0.7272% | 3,523 |
| Pretax return on assets | 1.5231% | 1,458 |
| Return on Equity (ROE) | 6.7205% | 3,577 |
| Retained earnings to average equity (ytd only) | 6.7205% | 2,008 |
| Net charge-offs to loans | 0.4716% | 2,691 |
| Credit loss provision to net charge-offs | 290.4000% | 1,052 |
| Earnings coverage of net charge-offs (x) | 7.6960% | 2,183 |
| Efficiency ratio | 58.5702% | 6,092 |
| Assets per employee ($millions) | 6.0880% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6924% | 516 |
| Loan loss allowance to noncurrent loans | 924.0741% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.2534% | 6,496 |
| Noncurrent loans to loans | 0.3996% | 6,102 |
| Net loans and leases to total assets | 61.0815% | 4,073 |
| Net loans and leases to deposits | 69.7551% | 4,469 |
| Net loans and leases to core deposits | 80.7611% | 3,681 |
| Total domestic deposits to total assets | 87.5657% | 2,431 |
| Equity capital to assets | 11.8324% | 2,219 |
| Core capital (leverage) ratio | 11.8015% | 1,721 |
| Tier 1 risk-based capital ratio | 15.0567% | 3,465 |
| Total risk-based capital ratio | 16.3296% | 3,422 |
| Memoranda: | ||
| Average total assets | $78,657,330 | 5,583 |
| Average earning assets | $71,485,000 | 5,569 |
| Average equity | $8,511,330 | 5,453 |
| Average total loans | $53,007,670 | 5,250 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8985% | 3,603 |
| Cost of funding earning assets | 1.5081% | 1,132 |
| Net interest margin | 3.3904% | 5,466 |
| Noninterest income to average assets | 3.9379% | 166 |
| Noninterest expense to average assets | 3.7575% | 1,426 |
| Loan and lease loss provision to assets | 0.2707% | 2,985 |
| Net operating income to assets | 1.7567% | 531 |
| Return on assets (ROA) | 1.7567% | 559 |
| Pretax return on assets | 2.9879% | 149 |
| Return on Equity (ROE) | 17.1403% | 549 |
| Retained earnings to average equity (ytd only) | 17.1403% | 270 |
| Net charge-offs to loans | -0.0305% | 6,715 |
| Credit loss provision to net charge-offs | -1,275.0000% | 6,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5552% | 6,735 |
| Assets per employee ($millions) | 5.1351% | 1,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4198% | 654 |
| Loan loss allowance to noncurrent loans | 62.0041% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 3.7961% | 1,778 |
| Noncurrent loans to loans | 5.5154% | 1,187 |
| Net loans and leases to total assets | 66.4728% | 2,885 |
| Net loans and leases to deposits | 74.4377% | 3,691 |
| Net loans and leases to core deposits | 85.2713% | 2,995 |
| Total domestic deposits to total assets | 89.2999% | 1,590 |
| Equity capital to assets | 10.2510% | 3,470 |
| Core capital (leverage) ratio | 10.2096% | 2,917 |
| Tier 1 risk-based capital ratio | 12.2892% | 5,447 |
| Total risk-based capital ratio | 13.5672% | 5,416 |
| Memoranda: | ||
| Average total assets | $75,370,000 | 5,715 |
| Average earning assets | $68,428,500 | 5,719 |
| Average equity | $7,724,500 | 5,701 |
| Average total loans | $52,483,000 | 5,310 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8636% | 5,179 |
| Cost of funding earning assets | 1.7781% | 1,263 |
| Net interest margin | 3.0855% | 6,554 |
| Noninterest income to average assets | 0.5175% | 4,042 |
| Noninterest expense to average assets | 2.8277% | 4,485 |
| Loan and lease loss provision to assets | 2.0162% | 651 |
| Net operating income to assets | -1.5511% | 6,923 |
| Return on assets (ROA) | -1.2989% | 6,855 |
| Pretax return on assets | -1.2989% | 6,778 |
| Return on Equity (ROE) | -12.2381% | 6,819 |
| Retained earnings to average equity (ytd only) | -12.2381% | 6,770 |
| Net charge-offs to loans | 1.8723% | 1,101 |
| Credit loss provision to net charge-offs | 160.2285% | 2,177 |
| Earnings coverage of net charge-offs (x) | 0.3697% | 5,736 |
| Efficiency ratio | 85.8730% | 1,709 |
| Assets per employee ($millions) | 4.9142% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3840% | 639 |
| Loan loss allowance to noncurrent loans | 45.7336% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 5.2352% | 1,194 |
| Noncurrent loans to loans | 7.3993% | 740 |
| Net loans and leases to total assets | 68.0925% | 2,967 |
| Net loans and leases to deposits | 76.0592% | 3,829 |
| Net loans and leases to core deposits | 85.0887% | 3,453 |
| Total domestic deposits to total assets | 89.5256% | 1,371 |
| Equity capital to assets | 10.2465% | 3,448 |
| Core capital (leverage) ratio | 9.3149% | 3,984 |
| Tier 1 risk-based capital ratio | 12.1379% | 5,349 |
| Total risk-based capital ratio | 13.4140% | 5,302 |
| Memoranda: | ||
| Average total assets | $76,528,600 | 5,692 |
| Average earning assets | $68,837,800 | 5,704 |
| Average equity | $8,122,200 | 5,678 |
| Average total loans | $51,434,400 | 5,428 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7919% | 5,700 |
| Cost of funding earning assets | 1.8188% | 1,348 |
| Net interest margin | 2.9731% | 6,884 |
| Noninterest income to average assets | 0.6940% | 2,850 |
| Noninterest expense to average assets | 2.8070% | 4,454 |
| Loan and lease loss provision to assets | 0.9374% | 1,609 |
| Net operating income to assets | -0.3781% | 6,496 |
| Return on assets (ROA) | -0.0449% | 6,201 |
| Pretax return on assets | -0.0449% | 6,161 |
| Return on Equity (ROE) | -0.4195% | 6,203 |
| Retained earnings to average equity (ytd only) | -0.4195% | 5,897 |
| Net charge-offs to loans | 0.8368% | 2,366 |
| Credit loss provision to net charge-offs | 168.6335% | 2,213 |
| Earnings coverage of net charge-offs (x) | 1.0062% | 5,053 |
| Efficiency ratio | 83.3846% | 1,905 |
| Assets per employee ($millions) | 5.3093% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7045% | 1,080 |
| Loan loss allowance to noncurrent loans | 31.7090% | 6,229 |
| Noncurrent assets plus other real estate owned to assets | 5.4268% | 1,149 |
| Noncurrent loans to loans | 8.5291% | 582 |
| Net loans and leases to total assets | 59.2480% | 5,055 |
| Net loans and leases to deposits | 66.1993% | 5,646 |
| Net loans and leases to core deposits | 76.4441% | 5,000 |
| Total domestic deposits to total assets | 89.4995% | 1,127 |
| Equity capital to assets | 10.2321% | 3,836 |
| Core capital (leverage) ratio | 9.7567% | 3,541 |
| Tier 1 risk-based capital ratio | 13.7048% | 4,051 |
| Total risk-based capital ratio | 14.9674% | 3,998 |
| Memoranda: | ||
| Average total assets | $77,232,500 | 5,741 |
| Average earning assets | $69,420,500 | 5,755 |
| Average equity | $8,264,500 | 5,706 |
| Average total loans | $51,305,250 | 5,515 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8479% | 5,612 |
| Cost of funding earning assets | 1.8579% | 1,393 |
| Net interest margin | 2.9900% | 6,850 |
| Noninterest income to average assets | 0.6938% | 2,742 |
| Noninterest expense to average assets | 2.9976% | 3,721 |
| Loan and lease loss provision to assets | 1.5028% | 883 |
| Net operating income to assets | -1.1465% | 7,007 |
| Return on assets (ROA) | -0.6295% | 6,789 |
| Pretax return on assets | -0.6295% | 6,685 |
| Return on Equity (ROE) | -5.7868% | 6,761 |
| Retained earnings to average equity (ytd only) | -5.7868% | 6,640 |
| Net charge-offs to loans | 1.1532% | 1,648 |
| Credit loss provision to net charge-offs | 190.1695% | 2,074 |
| Earnings coverage of net charge-offs (x) | 0.4508% | 5,263 |
| Efficiency ratio | 89.3770% | 1,383 |
| Assets per employee ($millions) | 6.0753% | 1,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7289% | 1,059 |
| Loan loss allowance to noncurrent loans | 43.3243% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 4.1515% | 1,633 |
| Noncurrent loans to loans | 6.2987% | 976 |
| Net loans and leases to total assets | 60.5168% | 4,962 |
| Net loans and leases to deposits | 67.1327% | 5,666 |
| Net loans and leases to core deposits | 75.5996% | 5,239 |
| Total domestic deposits to total assets | 90.1451% | 843 |
| Equity capital to assets | 9.4446% | 4,790 |
| Core capital (leverage) ratio | 9.9107% | 3,270 |
| Tier 1 risk-based capital ratio | 12.3722% | 4,971 |
| Total risk-based capital ratio | 13.6351% | 4,940 |
| Memoranda: | ||
| Average total assets | $74,660,670 | 5,853 |
| Average earning assets | $66,420,330 | 5,890 |
| Average equity | $8,122,000 | 5,757 |
| Average total loans | $51,164,000 | 5,561 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5021% | 2,568 |
| Cost of funding earning assets | 1.9064% | 1,421 |
| Net interest margin | 3.5958% | 4,752 |
| Noninterest income to average assets | 0.0864% | 7,271 |
| Noninterest expense to average assets | 3.1038% | 3,254 |
| Loan and lease loss provision to assets | 0.7774% | 1,625 |
| Net operating income to assets | -0.6449% | 6,924 |
| Return on assets (ROA) | 0.4664% | 4,678 |
| Pretax return on assets | 0.4664% | 5,069 |
| Return on Equity (ROE) | 3.9674% | 4,909 |
| Retained earnings to average equity (ytd only) | 3.9674% | 3,766 |
| Net charge-offs to loans | 0.1511% | 4,029 |
| Credit loss provision to net charge-offs | 710.5263% | 633 |
| Earnings coverage of net charge-offs (x) | 1.2105% | 4,040 |
| Efficiency ratio | 95.9075% | 1,027 |
| Assets per employee ($millions) | 5.1849% | 1,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3835% | 1,438 |
| Loan loss allowance to noncurrent loans | 3,802.9412% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.4560% | 6,326 |
| Noncurrent loans to loans | 0.0627% | 7,241 |
| Net loans and leases to total assets | 72.9504% | 2,217 |
| Net loans and leases to deposits | 85.3918% | 2,704 |
| Net loans and leases to core deposits | 98.0484% | 2,340 |
| Total domestic deposits to total assets | 85.4303% | 3,448 |
| Equity capital to assets | 11.1766% | 2,612 |
| Core capital (leverage) ratio | 11.7933% | 1,755 |
| Tier 1 risk-based capital ratio | 12.6838% | 4,574 |
| Total risk-based capital ratio | 13.9435% | 4,530 |
| Memoranda: | ||
| Average total assets | $69,464,000 | 6,061 |
| Average earning assets | $60,849,000 | 6,139 |
| Average equity | $8,166,500 | 5,785 |
| Average total loans | $50,288,000 | 5,655 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0806% | 1,570 |
| Cost of funding earning assets | 2.7057% | 580 |
| Net interest margin | 3.3749% | 5,468 |
| Noninterest income to average assets | 0.1107% | 7,209 |
| Noninterest expense to average assets | 3.5716% | 2,214 |
| Loan and lease loss provision to assets | 1.6584% | 1,382 |
| Net operating income to assets | -2.2487% | 7,180 |
| Return on assets (ROA) | -2.2487% | 7,181 |
| Pretax return on assets | -2.2487% | 7,041 |
| Return on Equity (ROE) | -15.7756% | 6,973 |
| Retained earnings to average equity (ytd only) | -15.7756% | 6,925 |
| Net charge-offs to loans | 0.4232% | 4,098 |
| Credit loss provision to net charge-offs | 552.0468% | 545 |
| Earnings coverage of net charge-offs (x) | -1.9649% | 6,999 |
| Efficiency ratio | 119.7996% | 611 |
| Assets per employee ($millions) | 4.7385% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5427% | 1,174 |
| Loan loss allowance to noncurrent loans | 545.3704% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.4748% | 6,263 |
| Noncurrent loans to loans | 0.4662% | 6,329 |
| Net loans and leases to total assets | 68.0610% | 3,693 |
| Net loans and leases to deposits | 79.1831% | 4,138 |
| Net loans and leases to core deposits | 140.6836% | 785 |
| Total domestic deposits to total assets | 85.9540% | 3,043 |
| Equity capital to assets | 12.3909% | 1,800 |
| Core capital (leverage) ratio | 12.2713% | 1,545 |
| Tier 1 risk-based capital ratio | 14.2257% | 3,362 |
| Total risk-based capital ratio | 15.4855% | 3,310 |
| Memoranda: | ||
| Average total assets | $56,921,200 | 6,462 |
| Average earning assets | $48,416,200 | 6,583 |
| Average equity | $8,113,800 | 5,885 |
| Average total loans | $40,408,600 | 6,083 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0459% | 1,856 |
| Cost of funding earning assets | 2.8856% | 487 |
| Net interest margin | 3.1603% | 6,145 |
| Noninterest income to average assets | 0.2053% | 6,751 |
| Noninterest expense to average assets | 4.0463% | 1,220 |
| Loan and lease loss provision to assets | 0.6573% | 2,777 |
| Net operating income to assets | -1.8277% | 7,250 |
| Return on assets (ROA) | -1.8277% | 7,243 |
| Pretax return on assets | -1.8277% | 7,099 |
| Return on Equity (ROE) | -12.3319% | 7,039 |
| Retained earnings to average equity (ytd only) | -12.3319% | 6,961 |
| Net charge-offs to loans | 0.1233% | 5,458 |
| Credit loss provision to net charge-offs | 747.2222% | 511 |
| Earnings coverage of net charge-offs (x) | -13.3052% | 6,920 |
| Efficiency ratio | 140.6967% | 376 |
| Assets per employee ($millions) | 4.7125% | 2,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 3,947 |
| Loan loss allowance to noncurrent loans | 181.7664% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.6821% | 5,782 |
| Noncurrent loans to loans | 0.7701% | 5,760 |
| Net loans and leases to total assets | 68.1197% | 3,932 |
| Net loans and leases to deposits | 81.7529% | 4,072 |
| Net loans and leases to core deposits | 137.6520% | 1,028 |
| Total domestic deposits to total assets | 83.3240% | 4,053 |
| Equity capital to assets | 11.8257% | 2,337 |
| Core capital (leverage) ratio | 12.0096% | 1,795 |
| Tier 1 risk-based capital ratio | 13.3323% | 3,965 |
| Total risk-based capital ratio | 14.4623% | 3,984 |
| Memoranda: | ||
| Average total assets | $54,566,750 | 6,590 |
| Average earning assets | $46,113,000 | 6,731 |
| Average equity | $8,087,250 | 5,955 |
| Average total loans | $38,928,500 | 6,202 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1838% | 1,513 |
| Cost of funding earning assets | 3.0496% | 410 |
| Net interest margin | 3.1343% | 6,140 |
| Noninterest income to average assets | 0.1694% | 7,075 |
| Noninterest expense to average assets | 4.4283% | 836 |
| Loan and lease loss provision to assets | 0.5792% | 2,705 |
| Net operating income to assets | -2.2142% | 7,485 |
| Return on assets (ROA) | -2.2142% | 7,483 |
| Pretax return on assets | -2.2142% | 7,350 |
| Return on Equity (ROE) | -13.7369% | 7,265 |
| Retained earnings to average equity (ytd only) | -13.7369% | 7,166 |
| Net charge-offs to loans | 0.1961% | 4,309 |
| Credit loss provision to net charge-offs | 408.3333% | 1,136 |
| Earnings coverage of net charge-offs (x) | -11.5278% | 6,538 |
| Efficiency ratio | 158.5331% | 334 |
| Assets per employee ($millions) | 4.1474% | 3,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 4,273 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 7,119 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 67.4767% | 4,256 |
| Net loans and leases to deposits | 85.2774% | 3,685 |
| Net loans and leases to core deposits | 142.5468% | 909 |
| Total domestic deposits to total assets | 79.1261% | 5,775 |
| Equity capital to assets | 13.6283% | 1,447 |
| Core capital (leverage) ratio | 14.7620% | 965 |
| Tier 1 risk-based capital ratio | 15.4954% | 2,812 |
| Total risk-based capital ratio | 16.5321% | 2,828 |
| Memoranda: | ||
| Average total assets | $50,764,000 | 6,793 |
| Average earning assets | $42,498,000 | 6,947 |
| Average equity | $8,182,330 | 5,959 |
| Average total loans | $36,711,330 | 6,356 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0004% | 2,363 |
| Cost of funding earning assets | 3.0973% | 465 |
| Net interest margin | 2.9031% | 6,736 |
| Noninterest income to average assets | 0.2292% | 6,627 |
| Noninterest expense to average assets | 4.6949% | 595 |
| Loan and lease loss provision to assets | 0.8405% | 1,545 |
| Net operating income to assets | -2.7677% | 7,808 |
| Return on assets (ROA) | -2.7677% | 7,811 |
| Pretax return on assets | -2.7677% | 7,711 |
| Return on Equity (ROE) | -15.6787% | 7,635 |
| Retained earnings to average equity (ytd only) | -15.6787% | 7,474 |
| Net charge-offs to loans | 0.4089% | 2,470 |
| Credit loss provision to net charge-offs | 275.0000% | 1,742 |
| Earnings coverage of net charge-offs (x) | -6.3056% | 5,584 |
| Efficiency ratio | 169.6319% | 276 |
| Assets per employee ($millions) | 3.7628% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 4,494 |
| Loan loss allowance to noncurrent loans | 463.3663% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.2065% | 6,904 |
| Noncurrent loans to loans | 0.2686% | 6,765 |
| Net loans and leases to total assets | 75.9199% | 2,285 |
| Net loans and leases to deposits | 99.8790% | 1,429 |
| Net loans and leases to core deposits | 170.6507% | 333 |
| Total domestic deposits to total assets | 76.0119% | 6,511 |
| Equity capital to assets | 16.7103% | 764 |
| Core capital (leverage) ratio | 16.5673% | 705 |
| Tier 1 risk-based capital ratio | 17.4010% | 2,213 |
| Total risk-based capital ratio | 18.4254% | 2,227 |
| Memoranda: | ||
| Average total assets | $47,114,500 | 6,982 |
| Average earning assets | $41,197,500 | 7,053 |
| Average equity | $8,317,000 | 5,949 |
| Average total loans | $35,219,500 | 6,479 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2589% | 4,190 |
| Cost of funding earning assets | 3.1012% | 1,505 |
| Net interest margin | 3.1577% | 6,501 |
| Noninterest income to average assets | 0.1156% | 7,544 |
| Noninterest expense to average assets | 5.2754% | 555 |
| Loan and lease loss provision to assets | 0.7143% | 2,069 |
| Net operating income to assets | -3.2216% | 7,870 |
| Return on assets (ROA) | -3.2216% | 7,848 |
| Pretax return on assets | -3.2216% | 7,766 |
| Return on Equity (ROE) | -12.3045% | 7,445 |
| Retained earnings to average equity (ytd only) | -12.3045% | 7,269 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 190.5782% | 214 |
| Assets per employee ($millions) | 3.4856% | 4,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 4,254 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 71.5645% | 3,676 |
| Net loans and leases to deposits | 97.9846% | 2,131 |
| Net loans and leases to core deposits | 160.3838% | 569 |
| Total domestic deposits to total assets | 73.0364% | 6,822 |
| Equity capital to assets | 18.6701% | 581 |
| Core capital (leverage) ratio | 19.2513% | 494 |
| Tier 1 risk-based capital ratio | 20.1549% | 1,591 |
| Total risk-based capital ratio | 21.1438% | 1,597 |
| Memoranda: | ||
| Average total assets | $33,741,200 | 7,477 |
| Average earning assets | $28,343,600 | 7,598 |
| Average equity | $8,834,200 | 5,792 |
| Average total loans | $22,639,600 | 7,156 |