| 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 | 4.9523% | 2,172 |
| Cost of funding earning assets | 0.0000% | 4,519 |
| Net interest margin | 4.9523% | 336 |
| Noninterest income to average assets | 567.4200% | 1 |
| Noninterest expense to average assets | 90.2212% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 380.0455% | 1 |
| Return on assets (ROA) | 380.0455% | 1 |
| Pretax return on assets | 481.0705% | 1 |
| Return on Equity (ROE) | 1,446.7700% | 1 |
| Retained earnings to average equity (ytd only) | 4.7672% | 2,685 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 15.7925% | 4,535 |
| Assets per employee ($millions) | 0.2159% | 4,545 |
| Cash dividends to net income (ytd only)* | 99.6705% | 272 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8887% | 3,752 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 1.3700% | 4,470 |
| Net loans and leases to deposits | 7.5840% | 4,460 |
| Net loans and leases to core deposits | 7.5840% | 4,480 |
| Total domestic deposits to total assets | 18.0600% | 4,503 |
| Equity capital to assets | 28.1189% | 165 |
| Core capital (leverage) ratio | 33.2192% | 110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 337.0996% | 27 |
| Memoranda: |
| Average total assets | $128,566,200 | 3,565 |
| Average earning assets | $100,437,200 | 3,741 |
| Average equity | $33,772,400 | 2,105 |
| Average total loans | $1,378,200 | 4,473 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3757% | 3,148 |
| Cost of funding earning assets | 0.0000% | 4,547 |
| Net interest margin | 4.3757% | 722 |
| Noninterest income to average assets | 543.8600% | 1 |
| Noninterest expense to average assets | 91.0731% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 360.2886% | 1 |
| Return on assets (ROA) | 360.2886% | 1 |
| Pretax return on assets | 456.0613% | 1 |
| Return on Equity (ROE) | 1,398.5900% | 2 |
| Retained earnings to average equity (ytd only) | -17.3650% | 4,544 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 16.6455% | 4,560 |
| Assets per employee ($millions) | 0.2006% | 4,580 |
| Cash dividends to net income (ytd only)* | 101.2416% | 220 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8037% | 3,973 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 1.2300% | 4,495 |
| Net loans and leases to deposits | 11.5200% | 4,477 |
| Net loans and leases to core deposits | 11.5200% | 4,463 |
| Total domestic deposits to total assets | 10.7000% | 4,542 |
| Equity capital to assets | 23.5862% | 214 |
| Core capital (leverage) ratio | 36.1158% | 104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 471.4489% | 13 |
| Memoranda: |
| Average total assets | $126,106,500 | 3,604 |
| Average earning assets | $94,245,000 | 3,814 |
| Average equity | $32,486,000 | 2,147 |
| Average total loans | $1,244,500 | 4,498 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1527% | 3,388 |
| Cost of funding earning assets | 0.0000% | 4,571 |
| Net interest margin | 4.1527% | 1,000 |
| Noninterest income to average assets | 609.0200% | 1 |
| Noninterest expense to average assets | 97.9261% | 17 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 405.9782% | 1 |
| Return on assets (ROA) | 405.9782% | 1 |
| Pretax return on assets | 513.8964% | 1 |
| Return on Equity (ROE) | 1,526.3400% | 1 |
| Retained earnings to average equity (ytd only) | -46.9510% | 4,611 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 16.0060% | 4,588 |
| Assets per employee ($millions) | 0.1489% | 4,611 |
| Cash dividends to net income (ytd only)* | 103.0760% | 292 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8996% | 3,785 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.6000% | 4,527 |
| Net loans and leases to deposits | 4.4067% | 4,523 |
| Net loans and leases to core deposits | 4.4067% | 4,509 |
| Total domestic deposits to total assets | 13.7300% | 4,563 |
| Equity capital to assets | 27.2058% | 172 |
| Core capital (leverage) ratio | 30.1483% | 119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 155.8222% | 48 |
| Memoranda: |
| Average total assets | $121,395,667 | 3,662 |
| Average earning assets | $81,488,667 | 3,943 |
| Average equity | $32,289,000 | 2,177 |
| Average total loans | $1,078,667 | 4,530 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6617% | 4,083 |
| Cost of funding earning assets | 0.0000% | 4,615 |
| Net interest margin | 3.6617% | 1,993 |
| Noninterest income to average assets | 640.2200% | 1 |
| Noninterest expense to average assets | 104.1316% | 18 |
| Loan and lease loss provision to assets | -0.0100% | 4,432 |
| Net operating income to assets | 425.3103% | 1 |
| Return on assets (ROA) | 425.3103% | 1 |
| Pretax return on assets | 538.3671% | 1 |
| Return on Equity (ROE) | 1,614.8300% | 1 |
| Retained earnings to average equity (ytd only) | -89.0928% | 4,686 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 16.2076% | 4,653 |
| Assets per employee ($millions) | 0.1574% | 4,660 |
| Cash dividends to net income (ytd only)* | 105.5171% | 408 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2170% | 2,469 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 0.8200% | 4,600 |
| Net loans and leases to deposits | 6.4933% | 4,590 |
| Net loans and leases to core deposits | 6.4933% | 4,574 |
| Total domestic deposits to total assets | 12.6700% | 4,611 |
| Equity capital to assets | 25.1994% | 150 |
| Core capital (leverage) ratio | 27.1282% | 146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 67.7372% | 74 |
| Memoranda: |
| Average total assets | $127,458,000 | 3,640 |
| Average earning assets | $78,762,000 | 4,026 |
| Average equity | $33,569,500 | 2,141 |
| Average total loans | $1,284,500 | 4,602 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.6518% | 4,645 |
| Cost of funding earning assets | 0.0000% | 4,648 |
| Net interest margin | 1.6518% | 4,614 |
| Noninterest income to average assets | 805.6200% | 1 |
| Noninterest expense to average assets | 94.9569% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 562.2717% | 1 |
| Return on assets (ROA) | 562.2717% | 1 |
| Pretax return on assets | 711.7361% | 1 |
| Return on Equity (ROE) | 1,846.5400% | 1 |
| Retained earnings to average equity (ytd only) | -28.7997% | 4,707 |
| Net charge-offs to loans | 0.4744% | 161 |
| Credit loss provision to net charge-offs | -71.4286% | 4,570 |
| Earnings coverage of net charge-offs (x) | 122,679.0000% | 1 |
| Efficiency ratio | 11.7712% | 4,703 |
| Assets per employee ($millions) | 0.2041% | 4,691 |
| Cash dividends to net income (ytd only)* | 101.5597% | 194 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0107% | 3,302 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 1.1500% | 4,630 |
| Net loans and leases to deposits | 6.2680% | 4,622 |
| Net loans and leases to core deposits | 6.2680% | 4,606 |
| Total domestic deposits to total assets | 18.3100% | 4,638 |
| Equity capital to assets | 27.3247% | 133 |
| Core capital (leverage) ratio | 41.8786% | 99 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 71.6337% | 73 |
| Memoranda: |
| Average total assets | $120,656,800 | 3,722 |
| Average earning assets | $78,340,000 | 4,059 |
| Average equity | $36,740,000 | 2,045 |
| Average total loans | $1,475,400 | 4,634 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.7864% | 4,722 |
| Cost of funding earning assets | 0.0000% | 4,686 |
| Net interest margin | 0.7864% | 4,718 |
| Noninterest income to average assets | 773.5700% | 1 |
| Noninterest expense to average assets | 93.8887% | 19 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 537.3683% | 1 |
| Return on assets (ROA) | 537.3683% | 1 |
| Pretax return on assets | 680.2130% | 1 |
| Return on Equity (ROE) | 1,713.3100% | 1 |
| Retained earnings to average equity (ytd only) | -42.6570% | 4,750 |
| Net charge-offs to loans | 0.6443% | 95 |
| Credit loss provision to net charge-offs | -128.5714% | 4,649 |
| Earnings coverage of net charge-offs (x) | 85,042.2857% | 1 |
| Efficiency ratio | 12.1289% | 4,742 |
| Assets per employee ($millions) | 0.1537% | 4,732 |
| Cash dividends to net income (ytd only)* | 102.4897% | 213 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1083% | 2,973 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 1.0700% | 4,673 |
| Net loans and leases to deposits | 7.7333% | 4,663 |
| Net loans and leases to core deposits | 7.7333% | 4,647 |
| Total domestic deposits to total assets | 13.8200% | 4,683 |
| Equity capital to assets | 33.3447% | 106 |
| Core capital (leverage) ratio | 46.8987% | 90 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 467.3079% | 11 |
| Memoranda: |
| Average total assets | $116,687,000 | 3,784 |
| Average earning assets | $77,138,000 | 4,101 |
| Average equity | $36,598,000 | 2,084 |
| Average total loans | $1,448,500 | 4,673 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.3527% | 4,765 |
| Cost of funding earning assets | 0.0000% | 4,753 |
| Net interest margin | 0.3527% | 4,762 |
| Noninterest income to average assets | 754.7176% | 1 |
| Noninterest expense to average assets | 92.0002% | 7 |
| Loan and lease loss provision to assets | 0.0100% | 2,407 |
| Net operating income to assets | 523.7047% | 1 |
| Return on assets (ROA) | 523.7047% | 1 |
| Pretax return on assets | 662.9167% | 1 |
| Return on Equity (ROE) | 1,702.3065% | 1 |
| Retained earnings to average equity (ytd only) | -99.6752% | 4,769 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.1866% | 4,764 |
| Assets per employee ($millions) | 0.1609% | 4,761 |
| Cash dividends to net income (ytd only)* | 105.8553% | 325 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8589% | 727 |
| Loan loss allowance to noncurrent loans | 485.7143% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 3,976 |
| Noncurrent loans to loans | 0.3827% | 1,989 |
| Net loans and leases to total assets | 1.7053% | 4,734 |
| Net loans and leases to deposits | 11.9667% | 4,713 |
| Net loans and leases to core deposits | 11.9667% | 4,705 |
| Total domestic deposits to total assets | 14.2508% | 4,750 |
| Equity capital to assets | 28.1026% | 69 |
| Core capital (leverage) ratio | 36.0367% | 58 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 105.9156% | 28 |
| Memoranda: |
| Average total assets | $119,415,000 | 3,804 |
| Average earning assets | $70,889,333 | 4,237 |
| Average equity | $36,737,333 | 2,128 |
| Average total loans | $1,540,333 | 4,734 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.1349% | 4,794 |
| Cost of funding earning assets | 0.0000% | 4,770 |
| Net interest margin | 0.1349% | 4,793 |
| Noninterest income to average assets | 688.9212% | 1 |
| Noninterest expense to average assets | 97.1935% | 7 |
| Loan and lease loss provision to assets | -0.0285% | 4,474 |
| Net operating income to assets | 467.5447% | 1 |
| Return on assets (ROA) | 467.5447% | 1 |
| Pretax return on assets | 591.8289% | 1 |
| Return on Equity (ROE) | 1,466.9511% | 1 |
| Retained earnings to average equity (ytd only) | -150.2728% | 4,793 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.1066% | 4,787 |
| Assets per employee ($millions) | 0.1586% | 4,786 |
| Cash dividends to net income (ytd only)* | 110.2439% | 455 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4717% | 1,643 |
| Loan loss allowance to noncurrent loans | 950.0000% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,101 |
| Noncurrent loans to loans | 0.1549% | 3,027 |
| Net loans and leases to total assets | 1.2040% | 4,762 |
| Net loans and leases to deposits | 8.4800% | 4,752 |
| Net loans and leases to core deposits | 8.4800% | 4,743 |
| Total domestic deposits to total assets | 14.1977% | 4,777 |
| Equity capital to assets | 30.9917% | 60 |
| Core capital (leverage) ratio | 29.6143% | 63 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 77.4314% | 37 |
| Memoranda: |
| Average total assets | $126,494,000 | 3,748 |
| Average earning assets | $68,211,500 | 4,289 |
| Average equity | $40,316,000 | 2,041 |
| Average total loans | $1,396,000 | 4,765 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.1271% | 4,832 |
| Cost of funding earning assets | 0.0000% | 4,821 |
| Net interest margin | 0.1271% | 4,829 |
| Noninterest income to average assets | 705.8829% | 1 |
| Noninterest expense to average assets | 90.2598% | 9 |
| Loan and lease loss provision to assets | 0.0175% | 2,723 |
| Net operating income to assets | 486.3900% | 1 |
| Return on assets (ROA) | 486.3900% | 1 |
| Pretax return on assets | 615.6832% | 1 |
| Return on Equity (ROE) | 1,273.2497% | 1 |
| Retained earnings to average equity (ytd only) | -92.6801% | 4,837 |
| Net charge-offs to loans | 1.3704% | 41 |
| Credit loss provision to net charge-offs | 104.5455% | 1,754 |
| Earnings coverage of net charge-offs (x) | 36,793.5455% | 2 |
| Efficiency ratio | 12.7854% | 4,829 |
| Assets per employee ($millions) | 0.2142% | 4,829 |
| Cash dividends to net income (ytd only)* | 107.2790% | 152 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8654% | 774 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 4,119 |
| Noncurrent loans to loans | 0.5330% | 1,797 |
| Net loans and leases to total assets | 0.9997% | 4,806 |
| Net loans and leases to deposits | 5.8920% | 4,800 |
| Net loans and leases to core deposits | 5.8920% | 4,790 |
| Total domestic deposits to total assets | 16.9679% | 4,819 |
| Equity capital to assets | 32.5030% | 53 |
| Core capital (leverage) ratio | 44.2225% | 41 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 79.3236% | 41 |
| Memoranda: |
| Average total assets | $131,469,400 | 3,663 |
| Average earning assets | $80,279,200 | 4,130 |
| Average equity | $50,222,200 | 1,756 |
| Average total loans | $1,605,400 | 4,805 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.1294% | 4,908 |
| Cost of funding earning assets | 0.0000% | 4,892 |
| Net interest margin | 0.1294% | 4,904 |
| Noninterest income to average assets | 659.3128% | 1 |
| Noninterest expense to average assets | 91.9352% | 9 |
| Loan and lease loss provision to assets | 0.0212% | 2,568 |
| Net operating income to assets | 448.2760% | 1 |
| Return on assets (ROA) | 448.2760% | 1 |
| Pretax return on assets | 567.4382% | 1 |
| Return on Equity (ROE) | 1,125.0023% | 1 |
| Retained earnings to average equity (ytd only) | -163.5399% | 4,914 |
| Net charge-offs to loans | 1.7979% | 30 |
| Credit loss provision to net charge-offs | 90.9091% | 1,658 |
| Earnings coverage of net charge-offs (x) | 24,666.2273% | 2 |
| Efficiency ratio | 13.9424% | 4,906 |
| Assets per employee ($millions) | 0.1358% | 4,904 |
| Cash dividends to net income (ytd only)* | 114.5368% | 110 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6690% | 1,178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 1.3773% | 4,875 |
| Net loans and leases to deposits | 9.4267% | 4,864 |
| Net loans and leases to core deposits | 9.4267% | 4,857 |
| Total domestic deposits to total assets | 14.6106% | 4,895 |
| Equity capital to assets | 31.2843% | 58 |
| Core capital (leverage) ratio | 33.5506% | 54 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 123.0598% | 26 |
| Memoranda: |
| Average total assets | $127,502,500 | 3,747 |
| Average earning assets | $80,398,250 | 4,177 |
| Average equity | $50,805,500 | 1,757 |
| Average total loans | $1,631,500 | 4,877 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.1459% | 4,944 |
| Cost of funding earning assets | 0.0000% | 4,930 |
| Net interest margin | 0.1459% | 4,942 |
| Noninterest income to average assets | 604.8534% | 1 |
| Noninterest expense to average assets | 85.3797% | 9 |
| Loan and lease loss provision to assets | 0.0221% | 2,530 |
| Net operating income to assets | 410.4383% | 1 |
| Return on assets (ROA) | 410.4383% | 1 |
| Pretax return on assets | 519.5414% | 1 |
| Return on Equity (ROE) | 977.1250% | 1 |
| Retained earnings to average equity (ytd only) | -183.5726% | 4,949 |
| Net charge-offs to loans | 0.8255% | 98 |
| Credit loss provision to net charge-offs | 214.2857% | 1,019 |
| Earnings coverage of net charge-offs (x) | 50,390.8571% | 1 |
| Efficiency ratio | 14.1137% | 4,944 |
| Assets per employee ($millions) | 0.1519% | 4,940 |
| Cash dividends to net income (ytd only)* | 118.7870% | 176 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6003% | 246 |
| Loan loss allowance to noncurrent loans | 233.3333% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 4,206 |
| Noncurrent loans to loans | 1.1144% | 1,080 |
| Net loans and leases to total assets | 1.1728% | 4,915 |
| Net loans and leases to deposits | 8.7400% | 4,906 |
| Net loans and leases to core deposits | 8.7400% | 4,897 |
| Total domestic deposits to total assets | 13.4190% | 4,933 |
| Equity capital to assets | 37.6474% | 47 |
| Core capital (leverage) ratio | 48.3886% | 36 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 81.2535% | 39 |
| Memoranda: |
| Average total assets | $135,781,667 | 3,678 |
| Average earning assets | $83,624,333 | 4,162 |
| Average equity | $57,034,667 | 1,597 |
| Average total loans | $1,696,000 | 4,917 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.2106% | 4,970 |
| Cost of funding earning assets | 0.0000% | 4,958 |
| Net interest margin | 0.2106% | 4,967 |
| Noninterest income to average assets | 524.5907% | 1 |
| Noninterest expense to average assets | 89.0017% | 9 |
| Loan and lease loss provision to assets | 0.0541% | 2,026 |
| Net operating income to assets | 344.1730% | 1 |
| Return on assets (ROA) | 344.1730% | 1 |
| Pretax return on assets | 435.6621% | 1 |
| Return on Equity (ROE) | 788.4360% | 1 |
| Retained earnings to average equity (ytd only) | -371.0652% | 4,978 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.9618% | 4,961 |
| Assets per employee ($millions) | 0.1413% | 4,968 |
| Cash dividends to net income (ytd only)* | 147.0634% | 222 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2170% | 414 |
| Loan loss allowance to noncurrent loans | 235.0000% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 4,234 |
| Noncurrent loans to loans | 0.9434% | 1,435 |
| Net loans and leases to total assets | 1.9878% | 4,941 |
| Net loans and leases to deposits | 13.8200% | 4,914 |
| Net loans and leases to core deposits | 13.8200% | 4,912 |
| Total domestic deposits to total assets | 14.3834% | 4,960 |
| Equity capital to assets | 33.1642% | 50 |
| Core capital (leverage) ratio | 24.2718% | 106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.2076% | 158 |
| Memoranda: |
| Average total assets | $147,781,500 | 3,549 |
| Average earning assets | $89,274,000 | 4,105 |
| Average equity | $64,510,500 | 1,435 |
| Average total loans | $1,871,000 | 4,943 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.0053% | 4,972 |
| Cost of funding earning assets | 0.0000% | 4,991 |
| Net interest margin | 1.0053% | 4,961 |
| Noninterest income to average assets | 543.1323% | 1 |
| Noninterest expense to average assets | 76.6173% | 9 |
| Loan and lease loss provision to assets | -0.0049% | 4,903 |
| Net operating income to assets | 369.1878% | 1 |
| Return on assets (ROA) | 369.1878% | 1 |
| Pretax return on assets | 467.3266% | 1 |
| Return on Equity (ROE) | 879.5616% | 1 |
| Retained earnings to average equity (ytd only) | -4.3875% | 4,821 |
| Net charge-offs to loans | 0.3476% | 503 |
| Credit loss provision to net charge-offs | -133.3333% | 3,757 |
| Earnings coverage of net charge-offs (x) | 126,582.5000% | 1 |
| Efficiency ratio | 14.0856% | 4,991 |
| Assets per employee ($millions) | 0.2537% | 4,988 |
| Cash dividends to net income (ytd only)* | 100.4988% | 252 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6646% | 1,125 |
| Loan loss allowance to noncurrent loans | 117.3913% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 4,357 |
| Noncurrent loans to loans | 1.4180% | 949 |
| Net loans and leases to total assets | 0.8339% | 4,968 |
| Net loans and leases to deposits | 6.3800% | 4,963 |
| Net loans and leases to core deposits | 6.3800% | 4,955 |
| Total domestic deposits to total assets | 13.0701% | 4,984 |
| Equity capital to assets | 49.3711% | 35 |
| Core capital (leverage) ratio | 96.3770% | 6 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 74.7314% | 42 |
| Memoranda: |
| Average total assets | $162,520,800 | 3,265 |
| Average earning assets | $130,406,200 | 3,500 |
| Average equity | $68,216,600 | 1,318 |
| Average total loans | $1,726,000 | 4,968 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.2079% | 5,004 |
| Cost of funding earning assets | 0.0000% | 5,023 |
| Net interest margin | 1.2079% | 4,991 |
| Noninterest income to average assets | 510.0491% | 1 |
| Noninterest expense to average assets | 78.8708% | 9 |
| Loan and lease loss provision to assets | -0.0200% | 4,968 |
| Net operating income to assets | 341.4751% | 1 |
| Return on assets (ROA) | 341.4751% | 1 |
| Pretax return on assets | 432.2470% | 1 |
| Return on Equity (ROE) | 860.2058% | 1 |
| Retained earnings to average equity (ytd only) | -114.9788% | 5,030 |
| Net charge-offs to loans | 0.3805% | 415 |
| Credit loss provision to net charge-offs | -460.0000% | 3,781 |
| Earnings coverage of net charge-offs (x) | 100,710.6000% | 1 |
| Efficiency ratio | 15.4316% | 5,023 |
| Assets per employee ($millions) | 0.1499% | 5,023 |
| Cash dividends to net income (ytd only)* | 113.3664% | 209 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5758% | 1,169 |
| Loan loss allowance to noncurrent loans | 162.5000% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 4,490 |
| Noncurrent loans to loans | 0.9697% | 1,546 |
| Net loans and leases to total assets | 0.5940% | 5,000 |
| Net loans and leases to deposits | 6.7667% | 4,994 |
| Net loans and leases to core deposits | 6.7667% | 4,987 |
| Total domestic deposits to total assets | 8.7790% | 5,019 |
| Equity capital to assets | 32.3981% | 55 |
| Core capital (leverage) ratio | 54.1858% | 29 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.3269% | 87 |
| Memoranda: |
| Average total assets | $155,332,000 | 3,311 |
| Average earning assets | $134,890,250 | 3,431 |
| Average equity | $61,662,000 | 1,405 |
| Average total loans | $1,752,000 | 5,000 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.3968% | 5,041 |
| Cost of funding earning assets | 0.0000% | 5,057 |
| Net interest margin | 1.3968% | 5,019 |
| Noninterest income to average assets | 478.4990% | 1 |
| Noninterest expense to average assets | 78.1115% | 10 |
| Loan and lease loss provision to assets | 0.0433% | 3,745 |
| Net operating income to assets | 317.2087% | 1 |
| Return on assets (ROA) | 317.2087% | 1 |
| Pretax return on assets | 401.5302% | 1 |
| Return on Equity (ROE) | 759.6814% | 1 |
| Retained earnings to average equity (ytd only) | -153.5291% | 5,064 |
| Net charge-offs to loans | 0.4852% | 330 |
| Credit loss provision to net charge-offs | 700.0000% | 1,003 |
| Earnings coverage of net charge-offs (x) | 64,872.6000% | 1 |
| Efficiency ratio | 16.2839% | 5,055 |
| Assets per employee ($millions) | 0.1724% | 5,054 |
| Cash dividends to net income (ytd only)* | 120.2097% | 317 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.8663% | 42 |
| Loan loss allowance to noncurrent loans | 118.3333% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 4,331 |
| Noncurrent loans to loans | 4.1124% | 162 |
| Net loans and leases to total assets | 0.9564% | 5,034 |
| Net loans and leases to deposits | 11.5667% | 5,019 |
| Net loans and leases to core deposits | 11.5667% | 5,014 |
| Total domestic deposits to total assets | 8.2690% | 5,051 |
| Equity capital to assets | 31.5711% | 56 |
| Core capital (leverage) ratio | 51.8698% | 33 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.9119% | 98 |
| Memoranda: |
| Average total assets | $161,546,000 | 3,231 |
| Average earning assets | $137,166,000 | 3,387 |
| Average equity | $67,454,333 | 1,309 |
| Average total loans | $2,061,000 | 5,033 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.7938% | 5,090 |
| Cost of funding earning assets | 0.0000% | 5,101 |
| Net interest margin | 1.7938% | 5,047 |
| Noninterest income to average assets | 481.1056% | 1 |
| Noninterest expense to average assets | 95.6627% | 9 |
| Loan and lease loss provision to assets | 0.0094% | 3,648 |
| Net operating income to assets | 305.6309% | 1 |
| Return on assets (ROA) | 305.6309% | 1 |
| Pretax return on assets | 386.8732% | 1 |
| Return on Equity (ROE) | 662.8501% | 1 |
| Retained earnings to average equity (ytd only) | -195.6780% | 5,112 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.8246% | 5,092 |
| Assets per employee ($millions) | 0.1283% | 5,104 |
| Cash dividends to net income (ytd only)* | 129.5207% | 556 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2006% | 124 |
| Loan loss allowance to noncurrent loans | 195.6522% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 4,558 |
| Noncurrent loans to loans | 1.6358% | 943 |
| Net loans and leases to total assets | 0.9703% | 5,081 |
| Net loans and leases to deposits | 6.8050% | 5,077 |
| Net loans and leases to core deposits | 6.8050% | 5,066 |
| Total domestic deposits to total assets | 14.2590% | 5,094 |
| Equity capital to assets | 42.1454% | 43 |
| Core capital (leverage) ratio | 30.8592% | 64 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.0718% | 111 |
| Memoranda: |
| Average total assets | $169,759,000 | 3,140 |
| Average earning assets | $136,246,000 | 3,368 |
| Average equity | $78,273,500 | 1,160 |
| Average total loans | $2,362,000 | 5,080 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.2531% | 5,135 |
| Cost of funding earning assets | 0.0000% | 5,167 |
| Net interest margin | 2.2531% | 5,048 |
| Noninterest income to average assets | 656.1430% | 1 |
| Noninterest expense to average assets | 122.5725% | 4 |
| Loan and lease loss provision to assets | -0.0048% | 4,920 |
| Net operating income to assets | 422.8765% | 1 |
| Return on assets (ROA) | 422.8765% | 1 |
| Pretax return on assets | 535.2623% | 1 |
| Return on Equity (ROE) | 1,078.8579% | 1 |
| Retained earnings to average equity (ytd only) | 33.4326% | 6 |
| Net charge-offs to loans | 0.0573% | 2,284 |
| Credit loss provision to net charge-offs | -350.0000% | 4,375 |
| Earnings coverage of net charge-offs (x) | 390,563.5000% | 1 |
| Efficiency ratio | 18.6329% | 5,160 |
| Assets per employee ($millions) | 0.1176% | 5,165 |
| Cash dividends to net income (ytd only)* | 96.9011% | 371 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2357% | 2,257 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 1.6446% | 5,143 |
| Net loans and leases to deposits | 13.1080% | 5,122 |
| Net loans and leases to core deposits | 13.1080% | 5,119 |
| Total domestic deposits to total assets | 12.5467% | 5,157 |
| Equity capital to assets | 48.8984% | 38 |
| Core capital (leverage) ratio | 88.9566% | 16 |
| Tier 1 risk-based capital ratio | 70.8947% | 64 |
| Total risk-based capital ratio | 70.9245% | 64 |
| Memoranda: |
| Average total assets | $145,934,800 | 3,348 |
| Average earning assets | $109,270,800 | 3,722 |
| Average equity | $57,201,600 | 1,422 |
| Average total loans | $3,492,800 | 5,137 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6973% | 5,196 |
| Cost of funding earning assets | 0.0000% | 5,247 |
| Net interest margin | 2.6973% | 4,941 |
| Noninterest income to average assets | 673.7733% | 1 |
| Noninterest expense to average assets | 131.3849% | 4 |
| Loan and lease loss provision to assets | -0.0020% | 5,029 |
| Net operating income to assets | 430.0641% | 1 |
| Return on assets (ROA) | 430.0641% | 1 |
| Pretax return on assets | 544.3490% | 1 |
| Return on Equity (ROE) | 1,209.6713% | 1 |
| Retained earnings to average equity (ytd only) | -142.1885% | 5,255 |
| Net charge-offs to loans | 0.0755% | 1,741 |
| Credit loss provision to net charge-offs | -100.0000% | 4,078 |
| Earnings coverage of net charge-offs (x) | 270,347.7978% | 1 |
| Efficiency ratio | 19.4433% | 5,237 |
| Assets per employee ($millions) | 0.0640% | 5,244 |
| Cash dividends to net income (ytd only)* | 111.7543% | 226 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6297% | 941 |
| Loan loss allowance to noncurrent loans | 4,700.0000% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 4,778 |
| Noncurrent loans to loans | 0.0347% | 4,508 |
| Net loans and leases to total assets | 2.6387% | 5,220 |
| Net loans and leases to deposits | 14.1850% | 5,197 |
| Net loans and leases to core deposits | 14.1850% | 5,192 |
| Total domestic deposits to total assets | 18.6022% | 5,232 |
| Equity capital to assets | 26.0822% | 114 |
| Core capital (leverage) ratio | 28.0781% | 81 |
| Tier 1 risk-based capital ratio | 41.9987% | 214 |
| Total risk-based capital ratio | 42.0691% | 227 |
| Memoranda: |
| Average total assets | $132,604,500 | 3,564 |
| Average earning assets | $96,293,000 | 3,979 |
| Average equity | $47,143,750 | 1,684 |
| Average total loans | $3,536,500 | 5,215 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8083% | 5,244 |
| Cost of funding earning assets | 0.0000% | 5,294 |
| Net interest margin | 2.8083% | 4,923 |
| Noninterest income to average assets | 629.2733% | 1 |
| Noninterest expense to average assets | 123.3315% | 5 |
| Loan and lease loss provision to assets | -0.0298% | 5,149 |
| Net operating income to assets | 401.2670% | 1 |
| Return on assets (ROA) | 401.2670% | 1 |
| Pretax return on assets | 507.9323% | 1 |
| Return on Equity (ROE) | 1,057.0873% | 1 |
| Retained earnings to average equity (ytd only) | -180.0415% | 5,301 |
| Net charge-offs to loans | 0.1066% | 1,333 |
| Credit loss provision to net charge-offs | -1,050.0000% | 4,263 |
| Earnings coverage of net charge-offs (x) | 178,995.0000% | 1 |
| Efficiency ratio | 19.5382% | 5,281 |
| Assets per employee ($millions) | 0.0727% | 5,292 |
| Cash dividends to net income (ytd only)* | 117.0318% | 262 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7498% | 4,602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 3.1664% | 5,268 |
| Net loans and leases to deposits | 17.8700% | 5,231 |
| Net loans and leases to core deposits | 17.8700% | 5,229 |
| Total domestic deposits to total assets | 17.7192% | 5,279 |
| Equity capital to assets | 26.7223% | 104 |
| Core capital (leverage) ratio | 23.1168% | 148 |
| Tier 1 risk-based capital ratio | 28.1271% | 562 |
| Total risk-based capital ratio | 28.1523% | 616 |
| Memoranda: |
| Average total assets | $140,968,000 | 3,484 |
| Average earning assets | $98,423,670 | 3,961 |
| Average equity | $53,511,000 | 1,500 |
| Average total loans | $3,754,000 | 5,262 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6903% | 5,318 |
| Cost of funding earning assets | 0.0000% | 5,351 |
| Net interest margin | 2.6903% | 5,073 |
| Noninterest income to average assets | 566.6305% | 1 |
| Noninterest expense to average assets | 111.8594% | 6 |
| Loan and lease loss provision to assets | -0.0155% | 5,219 |
| Net operating income to assets | 360.7421% | 1 |
| Return on assets (ROA) | 360.7421% | 1 |
| Pretax return on assets | 456.6342% | 1 |
| Return on Equity (ROE) | 857.8718% | 1 |
| Retained earnings to average equity (ytd only) | -160.7597% | 5,355 |
| Net charge-offs to loans | 0.1044% | 1,116 |
| Credit loss provision to net charge-offs | -600.0000% | 3,836 |
| Earnings coverage of net charge-offs (x) | 176,958.0000% | 1 |
| Efficiency ratio | 19.6770% | 5,343 |
| Assets per employee ($millions) | 0.0840% | 5,351 |
| Cash dividends to net income (ytd only)* | 118.7394% | 473 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0297% | 3,524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 3.0690% | 5,329 |
| Net loans and leases to deposits | 20.6650% | 5,278 |
| Net loans and leases to core deposits | 20.6650% | 5,279 |
| Total domestic deposits to total assets | 14.8512% | 5,340 |
| Equity capital to assets | 38.6986% | 49 |
| Core capital (leverage) ratio | 33.5324% | 59 |
| Tier 1 risk-based capital ratio | 42.0533% | 205 |
| Total risk-based capital ratio | 42.0880% | 219 |
| Memoranda: |
| Average total assets | $155,016,000 | 3,340 |
| Average earning assets | $106,456,000 | 3,872 |
| Average equity | $65,185,500 | 1,279 |
| Average total loans | $3,830,500 | 5,321 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.8048% | 5,381 |
| Cost of funding earning assets | 0.0000% | 5,396 |
| Net interest margin | 1.8048% | 5,354 |
| Noninterest income to average assets | 601.2797% | 1 |
| Noninterest expense to average assets | 108.1873% | 7 |
| Loan and lease loss provision to assets | 0.0063% | 3,992 |
| Net operating income to assets | 390.6903% | 1 |
| Return on assets (ROA) | 390.6903% | 1 |
| Pretax return on assets | 494.5450% | 1 |
| Return on Equity (ROE) | 956.4379% | 1 |
| Retained earnings to average equity (ytd only) | 7.4978% | 1,459 |
| Net charge-offs to loans | 0.0258% | 2,894 |
| Credit loss provision to net charge-offs | 1,000.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 787,832.0000% | 1 |
| Efficiency ratio | 17.9493% | 5,388 |
| Assets per employee ($millions) | 0.1082% | 5,395 |
| Cash dividends to net income (ytd only)* | 99.2161% | 260 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4347% | 1,507 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 4,928 |
| Noncurrent loans to loans | 0.0574% | 4,494 |
| Net loans and leases to total assets | 1.9588% | 5,374 |
| Net loans and leases to deposits | 13.7400% | 5,350 |
| Net loans and leases to core deposits | 13.7400% | 5,346 |
| Total domestic deposits to total assets | 14.2561% | 5,384 |
| Equity capital to assets | 44.6251% | 39 |
| Core capital (leverage) ratio | 69.2399% | 29 |
| Tier 1 risk-based capital ratio | 59.2658% | 91 |
| Total risk-based capital ratio | 59.3037% | 91 |
| Memoranda: |
| Average total assets | $159,302,400 | 3,289 |
| Average earning assets | $128,769,000 | 3,510 |
| Average equity | $65,072,600 | 1,237 |
| Average total loans | $3,872,000 | 5,367 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.6687% | 5,461 |
| Cost of funding earning assets | 0.0000% | 5,467 |
| Net interest margin | 1.6687% | 5,439 |
| Noninterest income to average assets | 568.6120% | 1 |
| Noninterest expense to average assets | 110.6635% | 7 |
| Loan and lease loss provision to assets | -0.0086% | 5,211 |
| Net operating income to assets | 362.8952% | 1 |
| Return on assets (ROA) | 362.8952% | 1 |
| Pretax return on assets | 459.3608% | 1 |
| Return on Equity (ROE) | 912.2039% | 1 |
| Retained earnings to average equity (ytd only) | -87.7352% | 5,473 |
| Net charge-offs to loans | 0.0335% | 2,416 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,630 |
| Earnings coverage of net charge-offs (x) | 536,327.4436% | 1 |
| Efficiency ratio | 19.4141% | 5,457 |
| Assets per employee ($millions) | 0.0779% | 5,466 |
| Cash dividends to net income (ytd only)* | 109.6179% | 192 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8816% | 4,337 |
| Loan loss allowance to noncurrent loans | 3,000.0000% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 5,044 |
| Noncurrent loans to loans | 0.0294% | 4,761 |
| Net loans and leases to total assets | 2.8872% | 5,445 |
| Net loans and leases to deposits | 16.8650% | 5,410 |
| Net loans and leases to core deposits | 16.8650% | 5,410 |
| Total domestic deposits to total assets | 17.1196% | 5,453 |
| Equity capital to assets | 28.0411% | 77 |
| Core capital (leverage) ratio | 28.4663% | 75 |
| Tier 1 risk-based capital ratio | 43.0944% | 189 |
| Total risk-based capital ratio | 43.1339% | 203 |
| Memoranda: |
| Average total assets | $155,287,250 | 3,358 |
| Average earning assets | $130,641,500 | 3,522 |
| Average equity | $61,776,750 | 1,289 |
| Average total loans | $3,968,750 | 5,437 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.5038% | 5,526 |
| Cost of funding earning assets | 0.0000% | 5,529 |
| Net interest margin | 1.5038% | 5,512 |
| Noninterest income to average assets | 518.7070% | 1 |
| Noninterest expense to average assets | 100.3724% | 9 |
| Loan and lease loss provision to assets | -0.0119% | 5,307 |
| Net operating income to assets | 331.4881% | 1 |
| Return on assets (ROA) | 331.4881% | 1 |
| Pretax return on assets | 419.6053% | 1 |
| Return on Equity (ROE) | 779.9345% | 1 |
| Retained earnings to average equity (ytd only) | -2.4381% | 5,182 |
| Net charge-offs to loans | 0.1924% | 813 |
| Credit loss provision to net charge-offs | -250.0000% | 4,232 |
| Earnings coverage of net charge-offs (x) | 88,171.2500% | 1 |
| Efficiency ratio | 19.3037% | 5,522 |
| Assets per employee ($millions) | 0.0951% | 5,530 |
| Cash dividends to net income (ytd only)* | 100.3126% | 377 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8310% | 4,598 |
| Loan loss allowance to noncurrent loans | 207.6923% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 5,009 |
| Noncurrent loans to loans | 0.4001% | 3,253 |
| Net loans and leases to total assets | 2.1080% | 5,509 |
| Net loans and leases to deposits | 16.1100% | 5,481 |
| Net loans and leases to core deposits | 16.1100% | 5,480 |
| Total domestic deposits to total assets | 13.0849% | 5,521 |
| Equity capital to assets | 47.4478% | 41 |
| Core capital (leverage) ratio | 49.7439% | 38 |
| Tier 1 risk-based capital ratio | 64.4176% | 78 |
| Total risk-based capital ratio | 64.4416% | 81 |
| Memoranda: |
| Average total assets | $168,108,000 | 3,236 |
| Average earning assets | $140,713,000 | 3,403 |
| Average equity | $71,449,330 | 1,139 |
| Average total loans | $4,157,330 | 5,497 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.3217% | 5,597 |
| Cost of funding earning assets | 0.0000% | 5,593 |
| Net interest margin | 1.3217% | 5,589 |
| Noninterest income to average assets | 488.1153% | 1 |
| Noninterest expense to average assets | 100.1081% | 9 |
| Loan and lease loss provision to assets | -0.0159% | 5,421 |
| Net operating income to assets | 307.4372% | 1 |
| Return on assets (ROA) | 307.4372% | 1 |
| Pretax return on assets | 389.1611% | 1 |
| Return on Equity (ROE) | 761.9023% | 1 |
| Retained earnings to average equity (ytd only) | -27.8033% | 5,547 |
| Net charge-offs to loans | 0.1735% | 835 |
| Credit loss provision to net charge-offs | -350.0000% | 3,918 |
| Earnings coverage of net charge-offs (x) | 85,484.5000% | 2 |
| Efficiency ratio | 20.4614% | 5,588 |
| Assets per employee ($millions) | 0.0863% | 5,593 |
| Cash dividends to net income (ytd only)* | 103.6492% | 562 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1360% | 3,168 |
| Loan loss allowance to noncurrent loans | 640.0000% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 5,131 |
| Noncurrent loans to loans | 0.1775% | 4,172 |
| Net loans and leases to total assets | 1.8781% | 5,569 |
| Net loans and leases to deposits | 13.9250% | 5,550 |
| Net loans and leases to core deposits | 13.9250% | 5,546 |
| Total domestic deposits to total assets | 13.4870% | 5,583 |
| Equity capital to assets | 46.1518% | 40 |
| Core capital (leverage) ratio | 43.1412% | 41 |
| Tier 1 risk-based capital ratio | 59.2371% | 90 |
| Total risk-based capital ratio | 59.2647% | 92 |
| Memoranda: |
| Average total assets | $175,738,000 | 3,178 |
| Average earning assets | $151,322,500 | 3,311 |
| Average equity | $70,912,500 | 1,154 |
| Average total loans | $4,611,500 | 5,555 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.0703% | 5,651 |
| Cost of funding earning assets | 0.0000% | 5,660 |
| Net interest margin | 1.0703% | 5,644 |
| Noninterest income to average assets | 523.2937% | 1 |
| Noninterest expense to average assets | 105.7264% | 10 |
| Loan and lease loss provision to assets | -0.0047% | 5,294 |
| Net operating income to assets | 272.0077% | 1 |
| Return on assets (ROA) | 272.0077% | 1 |
| Pretax return on assets | 418.4734% | 1 |
| Return on Equity (ROE) | 813.3509% | 1 |
| Retained earnings to average equity (ytd only) | -33.8314% | 5,648 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.1693% | 5,646 |
| Assets per employee ($millions) | 0.1044% | 5,658 |
| Cash dividends to net income (ytd only)* | 104.1595% | 306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6400% | 5,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 3.1326% | 5,637 |
| Net loans and leases to deposits | 25.4600% | 5,559 |
| Net loans and leases to core deposits | 25.4600% | 5,568 |
| Total domestic deposits to total assets | 12.3041% | 5,651 |
| Equity capital to assets | 36.1178% | 52 |
| Core capital (leverage) ratio | 42.9166% | 39 |
| Tier 1 risk-based capital ratio | 68.1872% | 64 |
| Total risk-based capital ratio | 68.2253% | 66 |
| Memoranda: |
| Average total assets | $171,183,400 | 3,233 |
| Average earning assets | $144,167,800 | 3,399 |
| Average equity | $57,248,600 | 1,376 |
| Average total loans | $3,844,800 | 5,630 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.0453% | 5,725 |
| Cost of funding earning assets | 0.0000% | 5,725 |
| Net interest margin | 1.0453% | 5,716 |
| Noninterest income to average assets | 514.4680% | 1 |
| Noninterest expense to average assets | 110.1084% | 7 |
| Loan and lease loss provision to assets | -0.0106% | 5,457 |
| Net operating income to assets | 263.3926% | 1 |
| Return on assets (ROA) | 263.3926% | 1 |
| Pretax return on assets | 405.2192% | 1 |
| Return on Equity (ROE) | 807.7008% | 1 |
| Retained earnings to average equity (ytd only) | -133.1264% | 5,733 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.3671% | 5,712 |
| Assets per employee ($millions) | 0.0777% | 5,726 |
| Cash dividends to net income (ytd only)* | 116.4821% | 182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2658% | 2,544 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 5,264 |
| Noncurrent loans to loans | 0.1055% | 4,637 |
| Net loans and leases to total assets | 1.9588% | 5,702 |
| Net loans and leases to deposits | 14.0400% | 5,687 |
| Net loans and leases to core deposits | 14.0400% | 5,682 |
| Total domestic deposits to total assets | 13.9515% | 5,715 |
| Equity capital to assets | 27.6518% | 75 |
| Core capital (leverage) ratio | 27.3275% | 78 |
| Tier 1 risk-based capital ratio | 44.4454% | 174 |
| Total risk-based capital ratio | 44.4858% | 181 |
| Memoranda: |
| Average total assets | $163,183,000 | 3,341 |
| Average earning assets | $132,528,750 | 3,594 |
| Average equity | $53,214,250 | 1,455 |
| Average total loans | $3,204,500 | 5,699 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.9845% | 5,775 |
| Cost of funding earning assets | 0.0000% | 5,773 |
| Net interest margin | 0.9845% | 5,770 |
| Noninterest income to average assets | 511.2247% | 1 |
| Noninterest expense to average assets | 103.4815% | 8 |
| Loan and lease loss provision to assets | -0.0283% | 5,574 |
| Net operating income to assets | 265.5509% | 1 |
| Return on assets (ROA) | 265.5509% | 1 |
| Pretax return on assets | 408.5406% | 1 |
| Return on Equity (ROE) | 780.9037% | 1 |
| Retained earnings to average equity (ytd only) | -180.3183% | 5,786 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.2115% | 5,766 |
| Assets per employee ($millions) | 0.0785% | 5,776 |
| Cash dividends to net income (ytd only)* | 123.0910% | 266 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0509% | 3,845 |
| Loan loss allowance to noncurrent loans | 625.0000% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 5,304 |
| Noncurrent loans to loans | 0.1681% | 4,441 |
| Net loans and leases to total assets | 1.5874% | 5,751 |
| Net loans and leases to deposits | 11.7700% | 5,740 |
| Net loans and leases to core deposits | 11.7700% | 5,733 |
| Total domestic deposits to total assets | 13.4869% | 5,766 |
| Equity capital to assets | 27.4512% | 69 |
| Core capital (leverage) ratio | 28.5939% | 62 |
| Tier 1 risk-based capital ratio | 38.5814% | 234 |
| Total risk-based capital ratio | 38.6051% | 252 |
| Memoranda: |
| Average total assets | $169,792,670 | 3,283 |
| Average earning assets | $132,649,670 | 3,613 |
| Average equity | $57,739,000 | 1,373 |
| Average total loans | $3,324,670 | 5,747 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.9712% | 5,842 |
| Cost of funding earning assets | 0.0000% | 5,834 |
| Net interest margin | 0.9712% | 5,837 |
| Noninterest income to average assets | 476.2300% | 1 |
| Noninterest expense to average assets | 102.1009% | 7 |
| Loan and lease loss provision to assets | -0.0310% | 5,690 |
| Net operating income to assets | 243.6893% | 1 |
| Return on assets (ROA) | 243.6893% | 1 |
| Pretax return on assets | 374.9068% | 1 |
| Return on Equity (ROE) | 664.0515% | 1 |
| Retained earnings to average equity (ytd only) | -320.0326% | 5,855 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.4058% | 5,833 |
| Assets per employee ($millions) | 0.0702% | 5,845 |
| Cash dividends to net income (ytd only)* | 148.1939% | 395 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5398% | 1,542 |
| Loan loss allowance to noncurrent loans | 700.0000% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 5,362 |
| Noncurrent loans to loans | 0.2200% | 4,316 |
| Net loans and leases to total assets | 1.5480% | 5,821 |
| Net loans and leases to deposits | 11.1900% | 5,807 |
| Net loans and leases to core deposits | 11.1900% | 5,800 |
| Total domestic deposits to total assets | 13.8338% | 5,832 |
| Equity capital to assets | 27.4961% | 74 |
| Core capital (leverage) ratio | 20.7283% | 181 |
| Tier 1 risk-based capital ratio | 34.1947% | 349 |
| Total risk-based capital ratio | 34.2248% | 370 |
| Memoranda: |
| Average total assets | $180,543,000 | 3,183 |
| Average earning assets | $138,798,000 | 3,542 |
| Average equity | $66,254,500 | 1,204 |
| Average total loans | $3,797,500 | 5,811 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.6621% | 5,897 |
| Cost of funding earning assets | 0.0000% | 5,897 |
| Net interest margin | 0.6621% | 5,895 |
| Noninterest income to average assets | 434.4255% | 1 |
| Noninterest expense to average assets | 98.3443% | 9 |
| Loan and lease loss provision to assets | 0.0115% | 4,149 |
| Net operating income to assets | 218.7763% | 1 |
| Return on assets (ROA) | 218.7763% | 1 |
| Pretax return on assets | 336.5789% | 1 |
| Return on Equity (ROE) | 494.2908% | 1 |
| Retained earnings to average equity (ytd only) | -25.1234% | 5,871 |
| Net charge-offs to loans | 1.2107% | 139 |
| Credit loss provision to net charge-offs | 54.5455% | 3,323 |
| Earnings coverage of net charge-offs (x) | 15,971.9773% | 1 |
| Efficiency ratio | 22.6113% | 5,891 |
| Assets per employee ($millions) | 0.0859% | 5,902 |
| Cash dividends to net income (ytd only)* | 105.0827% | 310 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9207% | 4,697 |
| Loan loss allowance to noncurrent loans | 4,900.0000% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 5,454 |
| Noncurrent loans to loans | 0.0188% | 5,203 |
| Net loans and leases to total assets | 2.4354% | 5,878 |
| Net loans and leases to deposits | 21.0920% | 5,824 |
| Net loans and leases to core deposits | 21.0920% | 5,826 |
| Total domestic deposits to total assets | 11.5467% | 5,893 |
| Equity capital to assets | 42.8413% | 44 |
| Core capital (leverage) ratio | 49.5336% | 37 |
| Tier 1 risk-based capital ratio | 60.3484% | 80 |
| Total risk-based capital ratio | 60.3803% | 86 |
| Memoranda: |
| Average total assets | $208,790,000 | 2,865 |
| Average earning assets | $160,547,400 | 3,231 |
| Average equity | $92,411,800 | 864 |
| Average total loans | $3,634,400 | 5,870 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.6591% | 5,966 |
| Cost of funding earning assets | 0.0000% | 5,963 |
| Net interest margin | 0.6591% | 5,964 |
| Noninterest income to average assets | 426.3288% | 1 |
| Noninterest expense to average assets | 94.8189% | 9 |
| Loan and lease loss provision to assets | 0.0084% | 4,067 |
| Net operating income to assets | 215.8019% | 1 |
| Return on assets (ROA) | 215.8019% | 1 |
| Pretax return on assets | 332.0030% | 1 |
| Return on Equity (ROE) | 483.5134% | 1 |
| Retained earnings to average equity (ytd only) | -59.4794% | 5,969 |
| Net charge-offs to loans | 1.8263% | 67 |
| Credit loss provision to net charge-offs | 29.5455% | 3,228 |
| Earnings coverage of net charge-offs (x) | 11,706.0876% | 2 |
| Efficiency ratio | 22.2147% | 5,958 |
| Assets per employee ($millions) | 0.0728% | 5,969 |
| Cash dividends to net income (ytd only)* | 112.3015% | 271 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0698% | 4,026 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 1.9660% | 5,945 |
| Net loans and leases to deposits | 17.5700% | 5,915 |
| Net loans and leases to core deposits | 17.5700% | 5,912 |
| Total domestic deposits to total assets | 11.1894% | 5,961 |
| Equity capital to assets | 41.8477% | 41 |
| Core capital (leverage) ratio | 39.6417% | 46 |
| Tier 1 risk-based capital ratio | 43.8336% | 186 |
| Total risk-based capital ratio | 43.8558% | 195 |
| Memoranda: |
| Average total assets | $206,859,250 | 2,901 |
| Average earning assets | $157,382,750 | 3,289 |
| Average equity | $92,325,500 | 871 |
| Average total loans | $3,212,500 | 5,940 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.5951% | 6,046 |
| Cost of funding earning assets | 0.0000% | 6,040 |
| Net interest margin | 0.5951% | 6,044 |
| Noninterest income to average assets | 415.8413% | 1 |
| Noninterest expense to average assets | 92.8466% | 9 |
| Loan and lease loss provision to assets | 0.0065% | 3,936 |
| Net operating income to assets | 210.2473% | 1 |
| Return on assets (ROA) | 210.2473% | 1 |
| Pretax return on assets | 323.4572% | 1 |
| Return on Equity (ROE) | 463.1077% | 1 |
| Retained earnings to average equity (ytd only) | -20.7584% | 5,972 |
| Net charge-offs to loans | 2.8393% | 49 |
| Credit loss provision to net charge-offs | 15.9091% | 2,963 |
| Earnings coverage of net charge-offs (x) | 7,948.0909% | 3 |
| Efficiency ratio | 22.3023% | 6,035 |
| Assets per employee ($millions) | 0.0853% | 6,047 |
| Cash dividends to net income (ytd only)* | 104.4824% | 465 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3109% | 2,731 |
| Loan loss allowance to noncurrent loans | 355.5556% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 5,624 |
| Noncurrent loans to loans | 0.3687% | 4,039 |
| Net loans and leases to total assets | 1.1370% | 6,023 |
| Net loans and leases to deposits | 12.0450% | 6,011 |
| Net loans and leases to core deposits | 12.0450% | 6,003 |
| Total domestic deposits to total assets | 9.4392% | 6,039 |
| Equity capital to assets | 49.9377% | 38 |
| Core capital (leverage) ratio | 60.4511% | 34 |
| Tier 1 risk-based capital ratio | 60.3618% | 90 |
| Total risk-based capital ratio | 60.3800% | 91 |
| Memoranda: |
| Average total assets | $216,232,000 | 2,811 |
| Average earning assets | $170,388,000 | 3,138 |
| Average equity | $98,167,670 | 804 |
| Average total loans | $3,099,330 | 6,016 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.5656% | 6,109 |
| Cost of funding earning assets | 0.0000% | 6,095 |
| Net interest margin | 0.5656% | 6,106 |
| Noninterest income to average assets | 422.9260% | 1 |
| Noninterest expense to average assets | 98.4071% | 9 |
| Loan and lease loss provision to assets | 0.0714% | 2,527 |
| Net operating income to assets | 211.1892% | 1 |
| Return on assets (ROA) | 211.1892% | 1 |
| Pretax return on assets | 324.9072% | 1 |
| Return on Equity (ROE) | 488.8889% | 2 |
| Retained earnings to average equity (ytd only) | -183.0986% | 6,116 |
| Net charge-offs to loans | 6.1835% | 11 |
| Credit loss provision to net charge-offs | 73.5849% | 1,880 |
| Earnings coverage of net charge-offs (x) | 3,348.0000% | 8 |
| Efficiency ratio | 23.2429% | 6,096 |
| Assets per employee ($millions) | 0.0602% | 6,111 |
| Cash dividends to net income (ytd only)* | 137.4520% | 438 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1947% | 595 |
| Loan loss allowance to noncurrent loans | 261.9048% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 5,620 |
| Noncurrent loans to loans | 0.8380% | 2,748 |
| Net loans and leases to total assets | 1.3310% | 6,084 |
| Net loans and leases to deposits | 12.2550% | 6,073 |
| Net loans and leases to core deposits | 12.2550% | 6,064 |
| Total domestic deposits to total assets | 10.8605% | 6,103 |
| Equity capital to assets | 39.5262% | 46 |
| Core capital (leverage) ratio | 30.0880% | 61 |
| Tier 1 risk-based capital ratio | 44.9657% | 177 |
| Total risk-based capital ratio | 44.9997% | 190 |
| Memoranda: |
| Average total assets | $218,407,000 | 2,798 |
| Average earning assets | $177,497,000 | 3,078 |
| Average equity | $94,347,000 | 838 |
| Average total loans | $3,428,500 | 6,077 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.2683% | 6,176 |
| Cost of funding earning assets | 0.0000% | 6,168 |
| Net interest margin | 0.2683% | 6,174 |
| Noninterest income to average assets | 502.4589% | 1 |
| Noninterest expense to average assets | 123.6690% | 6 |
| Loan and lease loss provision to assets | -0.0312% | 5,695 |
| Net operating income to assets | 246.3823% | 1 |
| Return on assets (ROA) | 246.3823% | 1 |
| Pretax return on assets | 379.0496% | 1 |
| Return on Equity (ROE) | 618.1777% | 1 |
| Retained earnings to average equity (ytd only) | 36.7217% | 16 |
| Net charge-offs to loans | -0.8443% | 6,121 |
| Credit loss provision to net charge-offs | 225.0000% | 1,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.6016% | 6,157 |
| Assets per employee ($millions) | 0.0838% | 6,170 |
| Cash dividends to net income (ytd only)* | 94.0597% | 518 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5858% | 1,658 |
| Loan loss allowance to noncurrent loans | 862.5000% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 5,713 |
| Noncurrent loans to loans | 0.1839% | 4,756 |
| Net loans and leases to total assets | 1.6948% | 6,144 |
| Net loans and leases to deposits | 17.1280% | 6,113 |
| Net loans and leases to core deposits | 17.1280% | 6,110 |
| Total domestic deposits to total assets | 9.8947% | 6,164 |
| Equity capital to assets | 45.8739% | 42 |
| Core capital (leverage) ratio | 54.1640% | 38 |
| Tier 1 risk-based capital ratio | 79.4597% | 54 |
| Total risk-based capital ratio | 79.5070% | 55 |
| Memoranda: |
| Average total assets | $202,160,600 | 2,923 |
| Average earning assets | $172,167,200 | 3,091 |
| Average equity | $80,573,600 | 944 |
| Average total loans | $3,316,400 | 6,137 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.2309% | 6,266 |
| Cost of funding earning assets | 0.0000% | 6,253 |
| Net interest margin | 0.2309% | 6,263 |
| Noninterest income to average assets | 490.6653% | 1 |
| Noninterest expense to average assets | 130.8224% | 4 |
| Loan and lease loss provision to assets | 0.0028% | 4,196 |
| Net operating income to assets | 234.0228% | 1 |
| Return on assets (ROA) | 234.0228% | 1 |
| Pretax return on assets | 360.0357% | 1 |
| Return on Equity (ROE) | 618.2775% | 1 |
| Retained earnings to average equity (ytd only) | -37.7721% | 6,240 |
| Net charge-offs to loans | 2.2239% | 50 |
| Credit loss provision to net charge-offs | 7.8431% | 3,470 |
| Earnings coverage of net charge-offs (x) | 10,035.3178% | 5 |
| Efficiency ratio | 26.6516% | 6,238 |
| Assets per employee ($millions) | 0.0733% | 6,258 |
| Cash dividends to net income (ytd only)* | 106.1092% | 306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8269% | 1,211 |
| Loan loss allowance to noncurrent loans | 712.5000% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 5,802 |
| Noncurrent loans to loans | 0.2564% | 4,658 |
| Net loans and leases to total assets | 1.6785% | 6,229 |
| Net loans and leases to deposits | 15.3150% | 6,208 |
| Net loans and leases to core deposits | 15.3150% | 6,200 |
| Total domestic deposits to total assets | 10.9599% | 6,248 |
| Equity capital to assets | 36.1961% | 52 |
| Core capital (leverage) ratio | 45.2944% | 43 |
| Tier 1 risk-based capital ratio | 58.1691% | 96 |
| Total risk-based capital ratio | 58.2193% | 99 |
| Memoranda: |
| Average total assets | $189,535,750 | 3,085 |
| Average earning assets | $160,558,000 | 3,275 |
| Average equity | $71,740,750 | 1,068 |
| Average total loans | $3,057,750 | 6,223 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.2174% | 6,344 |
| Cost of funding earning assets | 0.0000% | 6,327 |
| Net interest margin | 0.2174% | 6,342 |
| Noninterest income to average assets | 474.0869% | 1 |
| Noninterest expense to average assets | 113.2024% | 6 |
| Loan and lease loss provision to assets | -0.0448% | 6,021 |
| Net operating income to assets | 234.7192% | 1 |
| Return on assets (ROA) | 234.7192% | 1 |
| Pretax return on assets | 361.1065% | 1 |
| Return on Equity (ROE) | 611.6409% | 1 |
| Retained earnings to average equity (ytd only) | -48.3534% | 6,321 |
| Net charge-offs to loans | 0.0659% | 2,437 |
| Credit loss provision to net charge-offs | -4,300.0000% | 5,575 |
| Earnings coverage of net charge-offs (x) | 346,414.0000% | 1 |
| Efficiency ratio | 23.8691% | 6,318 |
| Assets per employee ($millions) | 0.0779% | 6,336 |
| Cash dividends to net income (ytd only)* | 107.9055% | 424 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3021% | 191 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 5,819 |
| Noncurrent loans to loans | 1.9813% | 1,239 |
| Net loans and leases to total assets | 0.9326% | 6,307 |
| Net loans and leases to deposits | 8.7850% | 6,302 |
| Net loans and leases to core deposits | 8.7850% | 6,293 |
| Total domestic deposits to total assets | 10.6154% | 6,324 |
| Equity capital to assets | 36.4008% | 55 |
| Core capital (leverage) ratio | 47.0466% | 43 |
| Tier 1 risk-based capital ratio | 50.6465% | 143 |
| Total risk-based capital ratio | 50.6908% | 150 |
| Memoranda: |
| Average total assets | $191,886,330 | 3,079 |
| Average earning assets | $156,404,330 | 3,355 |
| Average equity | $73,637,000 | 1,046 |
| Average total loans | $3,037,000 | 6,297 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.1972% | 6,414 |
| Cost of funding earning assets | 0.0000% | 6,393 |
| Net interest margin | 0.1972% | 6,412 |
| Noninterest income to average assets | 459.8326% | 1 |
| Noninterest expense to average assets | 116.4796% | 7 |
| Loan and lease loss provision to assets | -0.1054% | 6,210 |
| Net operating income to assets | 223.3552% | 1 |
| Return on assets (ROA) | 223.3552% | 1 |
| Pretax return on assets | 343.6236% | 1 |
| Return on Equity (ROE) | 567.8146% | 2 |
| Retained earnings to average equity (ytd only) | -107.0360% | 6,407 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.3218% | 6,386 |
| Assets per employee ($millions) | 0.0720% | 6,407 |
| Cash dividends to net income (ytd only)* | 118.8505% | 531 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5239% | 2,355 |
| Loan loss allowance to noncurrent loans | 588.8889% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 5,941 |
| Noncurrent loans to loans | 0.2588% | 4,858 |
| Net loans and leases to total assets | 2.0240% | 6,378 |
| Net loans and leases to deposits | 17.1250% | 6,335 |
| Net loans and leases to core deposits | 17.1250% | 6,332 |
| Total domestic deposits to total assets | 11.8189% | 6,395 |
| Equity capital to assets | 38.9952% | 51 |
| Core capital (leverage) ratio | 44.3149% | 44 |
| Tier 1 risk-based capital ratio | 52.7557% | 136 |
| Total risk-based capital ratio | 52.7980% | 144 |
| Memoranda: |
| Average total assets | $193,627,000 | 3,075 |
| Average earning assets | $162,267,500 | 3,293 |
| Average equity | $76,165,000 | 1,007 |
| Average total loans | $3,647,000 | 6,362 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.1441% | 6,504 |
| Cost of funding earning assets | 0.0000% | 6,493 |
| Net interest margin | 0.1441% | 6,503 |
| Noninterest income to average assets | 521.5148% | 1 |
| Noninterest expense to average assets | 129.3708% | 5 |
| Loan and lease loss provision to assets | -0.0345% | 5,985 |
| Net operating income to assets | 254.9978% | 1 |
| Return on assets (ROA) | 254.9978% | 1 |
| Pretax return on assets | 392.3039% | 1 |
| Return on Equity (ROE) | 653.9063% | 1 |
| Retained earnings to average equity (ytd only) | 18.0865% | 86 |
| Net charge-offs to loans | -0.1706% | 6,232 |
| Credit loss provision to net charge-offs | 1,260.0000% | 229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.8008% | 6,483 |
| Assets per employee ($millions) | 0.0869% | 6,497 |
| Cash dividends to net income (ytd only)* | 97.2341% | 412 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7254% | 413 |
| Loan loss allowance to noncurrent loans | 247.6190% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 5,968 |
| Noncurrent loans to loans | 1.1006% | 2,628 |
| Net loans and leases to total assets | 1.7025% | 6,469 |
| Net loans and leases to deposits | 14.8480% | 6,440 |
| Net loans and leases to core deposits | 14.8480% | 6,431 |
| Total domestic deposits to total assets | 11.4662% | 6,485 |
| Equity capital to assets | 39.6004% | 49 |
| Core capital (leverage) ratio | 39.6059% | 49 |
| Tier 1 risk-based capital ratio | 127.4258% | 38 |
| Total risk-based capital ratio | 127.5792% | 38 |
| Memoranda: |
| Average total assets | $182,702,000 | 3,178 |
| Average earning assets | $158,866,600 | 3,301 |
| Average equity | $71,246,600 | 1,031 |
| Average total loans | $2,930,600 | 6,464 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.1417% | 6,586 |
| Cost of funding earning assets | 0.0000% | 6,574 |
| Net interest margin | 0.1417% | 6,585 |
| Noninterest income to average assets | 509.1975% | 1 |
| Noninterest expense to average assets | 135.3757% | 4 |
| Loan and lease loss provision to assets | -0.0959% | 6,264 |
| Net operating income to assets | 243.1276% | 1 |
| Return on assets (ROA) | 243.1276% | 1 |
| Pretax return on assets | 374.0418% | 1 |
| Return on Equity (ROE) | 626.5109% | 1 |
| Retained earnings to average equity (ytd only) | -16.6957% | 6,462 |
| Net charge-offs to loans | -0.2462% | 6,349 |
| Credit loss provision to net charge-offs | 2,500.0000% | 151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.5796% | 6,554 |
| Assets per employee ($millions) | 0.0668% | 6,577 |
| Cash dividends to net income (ytd only)* | 102.6649% | 331 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7108% | 1,933 |
| Loan loss allowance to noncurrent loans | 4,200.0000% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 6,217 |
| Noncurrent loans to loans | 0.0407% | 5,852 |
| Net loans and leases to total assets | 1.4625% | 6,548 |
| Net loans and leases to deposits | 12.0650% | 6,534 |
| Net loans and leases to core deposits | 12.0650% | 6,525 |
| Total domestic deposits to total assets | 12.1217% | 6,565 |
| Equity capital to assets | 39.4041% | 48 |
| Core capital (leverage) ratio | 39.4078% | 48 |
| Tier 1 risk-based capital ratio | 152.6705% | 33 |
| Total risk-based capital ratio | 152.7715% | 33 |
| Memoranda: |
| Average total assets | $173,869,250 | 3,308 |
| Average earning assets | $152,390,250 | 3,424 |
| Average equity | $67,472,750 | 1,092 |
| Average total loans | $2,709,250 | 6,543 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.1359% | 6,651 |
| Cost of funding earning assets | 0.0000% | 6,634 |
| Net interest margin | 0.1359% | 6,649 |
| Noninterest income to average assets | 501.2419% | 1 |
| Noninterest expense to average assets | 133.4811% | 4 |
| Loan and lease loss provision to assets | -0.1583% | 6,434 |
| Net operating income to assets | 239.2234% | 1 |
| Return on assets (ROA) | 239.2234% | 1 |
| Pretax return on assets | 368.0356% | 1 |
| Return on Equity (ROE) | 619.4166% | 1 |
| Retained earnings to average equity (ytd only) | -20.4796% | 6,535 |
| Net charge-offs to loans | -0.2863% | 6,420 |
| Credit loss provision to net charge-offs | 3,500.0000% | 99 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.6239% | 6,621 |
| Assets per employee ($millions) | 0.0698% | 6,644 |
| Cash dividends to net income (ytd only)* | 103.3063% | 491 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3145% | 3,776 |
| Loan loss allowance to noncurrent loans | 118.1818% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 6,205 |
| Noncurrent loans to loans | 1.1122% | 2,999 |
| Net loans and leases to total assets | 1.1351% | 6,615 |
| Net loans and leases to deposits | 9.7600% | 6,608 |
| Net loans and leases to core deposits | 9.7600% | 6,597 |
| Total domestic deposits to total assets | 11.6304% | 6,632 |
| Equity capital to assets | 38.6478% | 47 |
| Core capital (leverage) ratio | 38.6526% | 47 |
| Tier 1 risk-based capital ratio | 122.2796% | 39 |
| Total risk-based capital ratio | 122.3275% | 39 |
| Memoranda: |
| Average total assets | $176,828,000 | 3,284 |
| Average earning assets | $151,593,000 | 3,454 |
| Average equity | $68,292,330 | 1,069 |
| Average total loans | $2,794,000 | 6,608 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.1356% | 6,723 |
| Cost of funding earning assets | 0.0000% | 6,699 |
| Net interest margin | 0.1356% | 6,720 |
| Noninterest income to average assets | 468.8283% | 1 |
| Noninterest expense to average assets | 141.2269% | 5 |
| Loan and lease loss provision to assets | -0.2365% | 6,589 |
| Net operating income to assets | 213.1713% | 1 |
| Return on assets (ROA) | 213.1713% | 1 |
| Pretax return on assets | 327.9540% | 1 |
| Return on Equity (ROE) | 552.1461% | 2 |
| Retained earnings to average equity (ytd only) | -48.9362% | 6,668 |
| Net charge-offs to loans | -0.2498% | 6,439 |
| Credit loss provision to net charge-offs | 5,300.0000% | 68 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.1159% | 6,673 |
| Assets per employee ($millions) | 0.0612% | 6,716 |
| Cash dividends to net income (ytd only)* | 108.8629% | 592 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0240% | 1,466 |
| Loan loss allowance to noncurrent loans | 280.9524% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 6,287 |
| Noncurrent loans to loans | 0.7204% | 4,068 |
| Net loans and leases to total assets | 1.7853% | 6,685 |
| Net loans and leases to deposits | 14.2800% | 6,660 |
| Net loans and leases to core deposits | 14.2800% | 6,653 |
| Total domestic deposits to total assets | 12.5018% | 6,701 |
| Equity capital to assets | 40.6171% | 50 |
| Core capital (leverage) ratio | 40.6227% | 47 |
| Tier 1 risk-based capital ratio | 131.6816% | 39 |
| Total risk-based capital ratio | 131.8011% | 39 |
| Memoranda: |
| Average total assets | $179,260,500 | 3,284 |
| Average earning assets | $153,435,000 | 3,451 |
| Average equity | $69,208,500 | 1,053 |
| Average total loans | $3,202,000 | 6,676 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.1426% | 6,804 |
| Cost of funding earning assets | 0.0000% | 6,798 |
| Net interest margin | 0.1426% | 6,800 |
| Noninterest income to average assets | 563.2081% | 1 |
| Noninterest expense to average assets | 144.2964% | 2 |
| Loan and lease loss provision to assets | 0.0130% | 4,862 |
| Net operating income to assets | 272.3587% | 1 |
| Return on assets (ROA) | 272.3587% | 1 |
| Pretax return on assets | 419.0138% | 1 |
| Return on Equity (ROE) | 878.6168% | 1 |
| Retained earnings to average equity (ytd only) | 20.8520% | 75 |
| Net charge-offs to loans | 0.1853% | 2,986 |
| Credit loss provision to net charge-offs | 300.0000% | 758 |
| Earnings coverage of net charge-offs (x) | 96,693.4286% | 1 |
| Efficiency ratio | 25.6152% | 6,779 |
| Assets per employee ($millions) | 0.0767% | 6,799 |
| Cash dividends to net income (ytd only)* | 97.6267% | 462 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.6432% | 117 |
| Loan loss allowance to noncurrent loans | 736.3636% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 6,387 |
| Noncurrent loans to loans | 0.6306% | 4,405 |
| Net loans and leases to total assets | 1.6757% | 6,767 |
| Net loans and leases to deposits | 13.3080% | 6,747 |
| Net loans and leases to core deposits | 13.3080% | 6,741 |
| Total domestic deposits to total assets | 12.5917% | 6,786 |
| Equity capital to assets | 36.9888% | 51 |
| Core capital (leverage) ratio | 37.0014% | 49 |
| Tier 1 risk-based capital ratio | 108.2901% | 46 |
| Total risk-based capital ratio | 108.5289% | 46 |
| Memoranda: |
| Average total assets | $161,530,000 | 3,536 |
| Average earning assets | $130,423,600 | 3,836 |
| Average equity | $50,072,000 | 1,415 |
| Average total loans | $3,777,800 | 6,753 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.1561% | 6,884 |
| Cost of funding earning assets | 0.0000% | 6,877 |
| Net interest margin | 0.1561% | 6,878 |
| Noninterest income to average assets | 560.5417% | 1 |
| Noninterest expense to average assets | 146.2356% | 3 |
| Loan and lease loss provision to assets | -0.0201% | 6,488 |
| Net operating income to assets | 269.3927% | 1 |
| Return on assets (ROA) | 269.3927% | 1 |
| Pretax return on assets | 414.4506% | 1 |
| Return on Equity (ROE) | 927.4687% | 1 |
| Retained earnings to average equity (ytd only) | -89.9091% | 6,882 |
| Net charge-offs to loans | 0.1732% | 2,839 |
| Credit loss provision to net charge-offs | -460.0000% | 6,046 |
| Earnings coverage of net charge-offs (x) | 94,614.7256% | 1 |
| Efficiency ratio | 26.0825% | 6,852 |
| Assets per employee ($millions) | 0.0494% | 6,878 |
| Cash dividends to net income (ytd only)* | 109.6940% | 308 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.7487% | 137 |
| Loan loss allowance to noncurrent loans | 800.0000% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 6,463 |
| Noncurrent loans to loans | 0.5936% | 4,717 |
| Net loans and leases to total assets | 1.8066% | 6,847 |
| Net loans and leases to deposits | 12.0350% | 6,833 |
| Net loans and leases to core deposits | 12.0350% | 6,827 |
| Total domestic deposits to total assets | 15.0113% | 6,860 |
| Equity capital to assets | 24.8902% | 91 |
| Core capital (leverage) ratio | 24.9036% | 87 |
| Tier 1 risk-based capital ratio | 69.1522% | 75 |
| Total risk-based capital ratio | 69.4023% | 75 |
| Memoranda: |
| Average total assets | $152,276,500 | 3,701 |
| Average earning assets | $121,299,750 | 4,068 |
| Average equity | $44,230,250 | 1,595 |
| Average total loans | $3,850,000 | 6,827 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.1640% | 6,934 |
| Cost of funding earning assets | 0.0000% | 6,924 |
| Net interest margin | 0.1640% | 6,929 |
| Noninterest income to average assets | 532.2563% | 1 |
| Noninterest expense to average assets | 136.8731% | 3 |
| Loan and lease loss provision to assets | -0.0908% | 6,699 |
| Net operating income to assets | 257.1421% | 1 |
| Return on assets (ROA) | 257.1421% | 1 |
| Pretax return on assets | 395.6039% | 1 |
| Return on Equity (ROE) | 851.1953% | 1 |
| Retained earnings to average equity (ytd only) | -127.5259% | 6,934 |
| Net charge-offs to loans | 0.5127% | 1,280 |
| Credit loss provision to net charge-offs | -654.5455% | 5,965 |
| Earnings coverage of net charge-offs (x) | 28,517.2727% | 1 |
| Efficiency ratio | 25.7094% | 6,902 |
| Assets per employee ($millions) | 0.0528% | 6,926 |
| Cash dividends to net income (ytd only)* | 114.9820% | 383 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2848% | 4,578 |
| Loan loss allowance to noncurrent loans | 1,300.0000% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 6,566 |
| Noncurrent loans to loans | 0.0988% | 6,104 |
| Net loans and leases to total assets | 3.5877% | 6,896 |
| Net loans and leases to deposits | 24.9700% | 6,785 |
| Net loans and leases to core deposits | 24.9700% | 6,798 |
| Total domestic deposits to total assets | 14.3681% | 6,910 |
| Equity capital to assets | 23.2785% | 115 |
| Core capital (leverage) ratio | 23.3021% | 105 |
| Tier 1 risk-based capital ratio | 55.0572% | 108 |
| Total risk-based capital ratio | 55.1674% | 111 |
| Memoranda: |
| Average total assets | $158,624,330 | 3,640 |
| Average earning assets | $125,592,330 | 3,999 |
| Average equity | $47,919,670 | 1,486 |
| Average total loans | $4,291,000 | 6,870 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.1599% | 7,012 |
| Cost of funding earning assets | 0.0000% | 6,994 |
| Net interest margin | 0.1599% | 7,005 |
| Noninterest income to average assets | 483.4963% | 1 |
| Noninterest expense to average assets | 131.1480% | 3 |
| Loan and lease loss provision to assets | 0.0214% | 4,198 |
| Net operating income to assets | 229.0962% | 1 |
| Return on assets (ROA) | 229.0962% | 1 |
| Pretax return on assets | 352.4576% | 1 |
| Return on Equity (ROE) | 692.6542% | 2 |
| Retained earnings to average equity (ytd only) | -104.7882% | 7,003 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.1176% | 6,972 |
| Assets per employee ($millions) | 0.0548% | 7,002 |
| Cash dividends to net income (ytd only)* | 115.1285% | 527 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.3002% | 227 |
| Loan loss allowance to noncurrent loans | 203.8961% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 6,451 |
| Noncurrent loans to loans | 2.1090% | 2,492 |
| Net loans and leases to total assets | 2.3852% | 6,974 |
| Net loans and leases to deposits | 17.4700% | 6,927 |
| Net loans and leases to core deposits | 17.4700% | 6,927 |
| Total domestic deposits to total assets | 13.6533% | 6,986 |
| Equity capital to assets | 33.0355% | 59 |
| Core capital (leverage) ratio | 33.0387% | 56 |
| Tier 1 risk-based capital ratio | 87.8278% | 54 |
| Total risk-based capital ratio | 88.1126% | 55 |
| Memoranda: |
| Average total assets | $168,338,000 | 3,527 |
| Average earning assets | $137,615,500 | 3,802 |
| Average equity | $55,678,000 | 1,310 |
| Average total loans | $3,907,000 | 6,949 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.2183% | 7,072 |
| Cost of funding earning assets | 0.0000% | 7,072 |
| Net interest margin | 0.2183% | 7,070 |
| Noninterest income to average assets | 495.0843% | 1 |
| Noninterest expense to average assets | 140.0755% | 3 |
| Loan and lease loss provision to assets | 0.0060% | 5,852 |
| Net operating income to assets | 230.8698% | 1 |
| Return on assets (ROA) | 230.8698% | 1 |
| Pretax return on assets | 355.1848% | 1 |
| Return on Equity (ROE) | 699.5997% | 2 |
| Retained earnings to average equity (ytd only) | -36.4890% | 6,968 |
| Net charge-offs to loans | 0.2481% | 3,452 |
| Credit loss provision to net charge-offs | 83.3333% | 3,721 |
| Earnings coverage of net charge-offs (x) | 49,471.9167% | 1 |
| Efficiency ratio | 28.2829% | 7,027 |
| Assets per employee ($millions) | 0.0624% | 7,066 |
| Cash dividends to net income (ytd only)* | 105.2157% | 425 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5551% | 409 |
| Loan loss allowance to noncurrent loans | 4,933.3333% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 6,716 |
| Noncurrent loans to loans | 0.0721% | 6,306 |
| Net loans and leases to total assets | 2.1110% | 7,036 |
| Net loans and leases to deposits | 16.0600% | 6,997 |
| Net loans and leases to core deposits | 16.0600% | 6,990 |
| Total domestic deposits to total assets | 13.1447% | 7,053 |
| Equity capital to assets | 33.1057% | 59 |
| Core capital (leverage) ratio | 33.1083% | 54 |
| Tier 1 risk-based capital ratio | 100.9134% | 51 |
| Total risk-based capital ratio | 101.1506% | 52 |
| Memoranda: |
| Average total assets | $167,139,200 | 3,500 |
| Average earning assets | $139,261,800 | 3,738 |
| Average equity | $55,156,400 | 1,294 |
| Average total loans | $4,835,800 | 7,006 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.2374% | 7,173 |
| Cost of funding earning assets | 0.0000% | 7,171 |
| Net interest margin | 0.2374% | 7,172 |
| Noninterest income to average assets | 477.5453% | 1 |
| Noninterest expense to average assets | 144.0002% | 3 |
| Loan and lease loss provision to assets | 0.0116% | 5,664 |
| Net operating income to assets | 216.9253% | 1 |
| Return on assets (ROA) | 216.9253% | 1 |
| Pretax return on assets | 333.7310% | 1 |
| Return on Equity (ROE) | 657.9630% | 1 |
| Retained earnings to average equity (ytd only) | -97.5933% | 7,158 |
| Net charge-offs to loans | 0.1065% | 4,324 |
| Credit loss provision to net charge-offs | 350.0000% | 768 |
| Earnings coverage of net charge-offs (x) | 101,047.1295% | 1 |
| Efficiency ratio | 30.1418% | 7,121 |
| Assets per employee ($millions) | 0.0536% | 7,163 |
| Cash dividends to net income (ytd only)* | 114.8326% | 217 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8793% | 2,546 |
| Loan loss allowance to noncurrent loans | 235.2941% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 6,656 |
| Noncurrent loans to loans | 0.7987% | 4,811 |
| Net loans and leases to total assets | 5.1748% | 7,134 |
| Net loans and leases to deposits | 41.7700% | 6,606 |
| Net loans and leases to core deposits | 41.7700% | 6,677 |
| Total domestic deposits to total assets | 12.3889% | 7,156 |
| Equity capital to assets | 27.3695% | 81 |
| Core capital (leverage) ratio | 27.3545% | 74 |
| Tier 1 risk-based capital ratio | 79.9848% | 61 |
| Total risk-based capital ratio | 80.2747% | 61 |
| Memoranda: |
| Average total assets | $161,376,250 | 3,629 |
| Average earning assets | $134,248,250 | 3,869 |
| Average equity | $53,204,500 | 1,347 |
| Average total loans | $5,004,000 | 7,097 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.2819% | 7,234 |
| Cost of funding earning assets | 0.0000% | 7,233 |
| Net interest margin | 0.2819% | 7,234 |
| Noninterest income to average assets | 464.0440% | 1 |
| Noninterest expense to average assets | 134.4153% | 3 |
| Loan and lease loss provision to assets | -0.1091% | 7,110 |
| Net operating income to assets | 214.4777% | 1 |
| Return on assets (ROA) | 214.4777% | 1 |
| Pretax return on assets | 329.9721% | 1 |
| Return on Equity (ROE) | 615.6659% | 2 |
| Retained earnings to average equity (ytd only) | -145.7464% | 7,222 |
| Net charge-offs to loans | 0.4695% | 2,185 |
| Credit loss provision to net charge-offs | -977.7778% | 6,399 |
| Earnings coverage of net charge-offs (x) | 29,569.7778% | 1 |
| Efficiency ratio | 28.9514% | 7,183 |
| Assets per employee ($millions) | 0.0511% | 7,227 |
| Cash dividends to net income (ytd only)* | 123.6730% | 252 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5059% | 1,275 |
| Loan loss allowance to noncurrent loans | 662.5000% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 6,843 |
| Noncurrent loans to loans | 0.3783% | 5,783 |
| Net loans and leases to total assets | 1.4447% | 7,203 |
| Net loans and leases to deposits | 10.3100% | 7,192 |
| Net loans and leases to core deposits | 10.3100% | 7,186 |
| Total domestic deposits to total assets | 14.0124% | 7,220 |
| Equity capital to assets | 29.4239% | 69 |
| Core capital (leverage) ratio | 29.4713% | 65 |
| Tier 1 risk-based capital ratio | 84.9762% | 53 |
| Total risk-based capital ratio | 85.0831% | 53 |
| Memoranda: |
| Average total assets | $161,356,670 | 3,639 |
| Average earning assets | $134,096,330 | 3,884 |
| Average equity | $56,211,330 | 1,265 |
| Average total loans | $3,834,000 | 7,177 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.3650% | 7,296 |
| Cost of funding earning assets | 0.0000% | 7,293 |
| Net interest margin | 0.3650% | 7,294 |
| Noninterest income to average assets | 417.5532% | 1 |
| Noninterest expense to average assets | 132.7290% | 3 |
| Loan and lease loss provision to assets | -0.0656% | 7,158 |
| Net operating income to assets | 185.3758% | 1 |
| Return on assets (ROA) | 185.3758% | 1 |
| Pretax return on assets | 285.1945% | 1 |
| Return on Equity (ROE) | 499.6644% | 2 |
| Retained earnings to average equity (ytd only) | -248.9320% | 7,292 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.7642% | 7,224 |
| Assets per employee ($millions) | 0.0502% | 7,290 |
| Cash dividends to net income (ytd only)* | 149.8198% | 294 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2198% | 671 |
| Loan loss allowance to noncurrent loans | 271.1111% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 6,825 |
| Noncurrent loans to loans | 1.1876% | 4,349 |
| Net loans and leases to total assets | 2.6335% | 7,263 |
| Net loans and leases to deposits | 18.3350% | 7,205 |
| Net loans and leases to core deposits | 18.3350% | 7,210 |
| Total domestic deposits to total assets | 14.3631% | 7,282 |
| Equity capital to assets | 31.3345% | 54 |
| Core capital (leverage) ratio | 31.3531% | 55 |
| Tier 1 risk-based capital ratio | 92.2417% | 50 |
| Total risk-based capital ratio | 92.4995% | 51 |
| Memoranda: |
| Average total assets | $170,669,500 | 3,508 |
| Average earning assets | $142,456,500 | 3,774 |
| Average equity | $63,318,500 | 1,114 |
| Average total loans | $4,693,500 | 7,223 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.2814% | 7,346 |
| Cost of funding earning assets | 0.0000% | 7,346 |
| Net interest margin | 0.2814% | 7,344 |
| Noninterest income to average assets | 483.3400% | 1 |
| Noninterest expense to average assets | 146.6546% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 218.9960% | 1 |
| Return on assets (ROA) | 218.9960% | 1 |
| Pretax return on assets | 336.9172% | 1 |
| Return on Equity (ROE) | 733.8892% | 1 |
| Retained earnings to average equity (ytd only) | 117.0847% | 1 |
| Net charge-offs to loans | 1.1915% | 1,414 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 11,369.4444% | 1 |
| Efficiency ratio | 30.3274% | 7,293 |
| Assets per employee ($millions) | 0.0660% | 7,340 |
| Cash dividends to net income (ytd only)* | 84.0460% | 669 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6795% | 1,096 |
| Loan loss allowance to noncurrent loans | 1,875.0000% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 6,997 |
| Noncurrent loans to loans | 0.1429% | 6,454 |
| Net loans and leases to total assets | 2.6958% | 7,311 |
| Net loans and leases to deposits | 19.4759% | 7,257 |
| Net loans and leases to core deposits | 19.4759% | 7,252 |
| Total domestic deposits to total assets | 13.8416% | 7,329 |
| Equity capital to assets | 41.0727% | 40 |
| Core capital (leverage) ratio | 41.0799% | 39 |
| Tier 1 risk-based capital ratio | 119.4239% | 43 |
| Total risk-based capital ratio | 119.6396% | 43 |
| Memoranda: |
| Average total assets | $151,854,800 | 3,766 |
| Average earning assets | $125,109,600 | 4,032 |
| Average equity | $45,314,200 | 1,502 |
| Average total loans | $3,776,600 | 7,289 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.2778% | 7,424 |
| Cost of funding earning assets | 0.0000% | 7,423 |
| Net interest margin | 0.2778% | 7,420 |
| Noninterest income to average assets | 489.9724% | 1 |
| Noninterest expense to average assets | 155.6846% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 217.4349% | 1 |
| Return on assets (ROA) | 217.4349% | 1 |
| Pretax return on assets | 334.5156% | 1 |
| Return on Equity (ROE) | 843.8667% | 1 |
| Retained earnings to average equity (ytd only) | 58.1850% | 5 |
| Net charge-offs to loans | 1.7665% | 766 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 7,942.1229% | 1 |
| Efficiency ratio | 31.7594% | 7,352 |
| Assets per employee ($millions) | 0.0511% | 7,420 |
| Cash dividends to net income (ytd only)* | 93.1050% | 381 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6537% | 1,194 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 7,063 |
| Noncurrent loans to loans | 0.2211% | 6,432 |
| Net loans and leases to total assets | 2.9646% | 7,388 |
| Net loans and leases to deposits | 19.6597% | 7,334 |
| Net loans and leases to core deposits | 19.6597% | 7,332 |
| Total domestic deposits to total assets | 15.0795% | 7,402 |
| Equity capital to assets | 30.6978% | 74 |
| Core capital (leverage) ratio | 30.7158% | 70 |
| Tier 1 risk-based capital ratio | 84.7598% | 66 |
| Total risk-based capital ratio | 84.9827% | 66 |
| Memoranda: |
| Average total assets | $139,295,250 | 4,018 |
| Average earning assets | $114,239,000 | 4,303 |
| Average equity | $35,891,500 | 1,886 |
| Average total loans | $3,321,250 | 7,370 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.2836% | 7,497 |
| Cost of funding earning assets | 0.0000% | 7,493 |
| Net interest margin | 0.2836% | 7,494 |
| Noninterest income to average assets | 427.7082% | 1 |
| Noninterest expense to average assets | 153.4181% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 178.4402% | 1 |
| Return on assets (ROA) | 178.4402% | 1 |
| Pretax return on assets | 274.5235% | 1 |
| Return on Equity (ROE) | 744.2808% | 2 |
| Retained earnings to average equity (ytd only) | 33.9607% | 31 |
| Net charge-offs to loans | 0.6847% | 2,130 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 18,699.4000% | 1 |
| Efficiency ratio | 35.8502% | 7,392 |
| Assets per employee ($millions) | 0.0563% | 7,495 |
| Cash dividends to net income (ytd only)* | 95.4371% | 533 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.7792% | 223 |
| Loan loss allowance to noncurrent loans | 725.0000% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 7,083 |
| Noncurrent loans to loans | 0.6592% | 5,595 |
| Net loans and leases to total assets | 1.9230% | 7,464 |
| Net loans and leases to deposits | 13.3355% | 7,443 |
| Net loans and leases to core deposits | 13.3355% | 7,437 |
| Total domestic deposits to total assets | 14.4200% | 7,476 |
| Equity capital to assets | 23.5769% | 142 |
| Core capital (leverage) ratio | 23.6024% | 137 |
| Tier 1 risk-based capital ratio | 72.2774% | 79 |
| Total risk-based capital ratio | 72.5728% | 79 |
| Memoranda: |
| Average total assets | $136,231,670 | 4,101 |
| Average earning assets | $112,126,330 | 4,379 |
| Average equity | $32,661,330 | 2,020 |
| Average total loans | $2,921,000 | 7,451 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.3260% | 7,561 |
| Cost of funding earning assets | 0.0000% | 7,555 |
| Net interest margin | 0.3260% | 7,555 |
| Noninterest income to average assets | 364.5081% | 1 |
| Noninterest expense to average assets | 163.0587% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 131.1125% | 1 |
| Return on assets (ROA) | 131.1125% | 1 |
| Pretax return on assets | 201.7125% | 1 |
| Return on Equity (ROE) | 541.6492% | 2 |
| Retained earnings to average equity (ytd only) | 36.5711% | 40 |
| Net charge-offs to loans | 0.1396% | 3,672 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 65,168.0000% | 1 |
| Efficiency ratio | 44.7016% | 7,259 |
| Assets per employee ($millions) | 0.0474% | 7,557 |
| Cash dividends to net income (ytd only)* | 93.2482% | 661 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.3379% | 155 |
| Loan loss allowance to noncurrent loans | 1,390.0000% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 7,180 |
| Noncurrent loans to loans | 0.3840% | 6,229 |
| Net loans and leases to total assets | 1.8670% | 7,523 |
| Net loans and leases to deposits | 11.6137% | 7,514 |
| Net loans and leases to core deposits | 11.6137% | 7,502 |
| Total domestic deposits to total assets | 16.0755% | 7,538 |
| Equity capital to assets | 24.7817% | 122 |
| Core capital (leverage) ratio | 24.8013% | 113 |
| Tier 1 risk-based capital ratio | 72.8968% | 76 |
| Total risk-based capital ratio | 73.2061% | 76 |
| Memoranda: |
| Average total assets | $129,229,500 | 4,273 |
| Average earning assets | $104,296,000 | 4,634 |
| Average equity | $31,281,500 | 2,094 |
| Average total loans | $2,864,500 | 7,509 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.7005% | 7,614 |
| Cost of funding earning assets | 0.0000% | 7,641 |
| Net interest margin | 0.7005% | 7,598 |
| Noninterest income to average assets | 490.9979% | 1 |
| Noninterest expense to average assets | 226.7691% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 172.0985% | 1 |
| Return on assets (ROA) | 172.0985% | 1 |
| Pretax return on assets | 264.7675% | 1 |
| Return on Equity (ROE) | 589.9942% | 2 |
| Retained earnings to average equity (ytd only) | -50.9964% | 7,424 |
| Net charge-offs to loans | 3.4160% | 428 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 2,475.0088% | 4 |
| Efficiency ratio | 46.1347% | 7,345 |
| Assets per employee ($millions) | 0.0406% | 7,639 |
| Cash dividends to net income (ytd only)* | 108.6435% | 307 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.4000% | 87 |
| Loan loss allowance to noncurrent loans | 4,000.0000% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 7,262 |
| Noncurrent loans to loans | 0.1600% | 6,748 |
| Net loans and leases to total assets | 2.3136% | 7,606 |
| Net loans and leases to deposits | 11.4940% | 7,594 |
| Net loans and leases to core deposits | 11.4940% | 7,581 |
| Total domestic deposits to total assets | 20.1288% | 7,609 |
| Equity capital to assets | 23.6051% | 144 |
| Core capital (leverage) ratio | 23.6201% | 141 |
| Tier 1 risk-based capital ratio | 60.0511% | 106 |
| Total risk-based capital ratio | 60.4531% | 107 |
| Memoranda: |
| Average total assets | $105,630,800 | 4,833 |
| Average earning assets | $81,225,400 | 5,299 |
| Average equity | $30,812,000 | 2,125 |
| Average total loans | $3,308,000 | 7,590 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.7966% | 7,730 |
| Cost of funding earning assets | 0.0000% | 7,745 |
| Net interest margin | 0.7966% | 7,717 |
| Noninterest income to average assets | 476.8228% | 1 |
| Noninterest expense to average assets | 238.5037% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 155.3039% | 1 |
| Return on assets (ROA) | 155.3039% | 1 |
| Pretax return on assets | 238.9298% | 1 |
| Return on Equity (ROE) | 502.2655% | 2 |
| Retained earnings to average equity (ytd only) | -79.5062% | 7,657 |
| Net charge-offs to loans | 3.6574% | 359 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 1,956.3183% | 12 |
| Efficiency ratio | 49.9554% | 7,157 |
| Assets per employee ($millions) | 0.0333% | 7,742 |
| Cash dividends to net income (ytd only)* | 115.8295% | 244 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.9546% | 179 |
| Loan loss allowance to noncurrent loans | 4,260.0000% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 7,365 |
| Noncurrent loans to loans | 0.1163% | 6,953 |
| Net loans and leases to total assets | 4.0540% | 7,705 |
| Net loans and leases to deposits | 18.5222% | 7,671 |
| Net loans and leases to core deposits | 18.5222% | 7,662 |
| Total domestic deposits to total assets | 21.8871% | 7,710 |
| Equity capital to assets | 26.8013% | 114 |
| Core capital (leverage) ratio | 26.8164% | 107 |
| Tier 1 risk-based capital ratio | 65.9214% | 92 |
| Total risk-based capital ratio | 66.4407% | 91 |
| Memoranda: |
| Average total assets | $100,432,000 | 5,034 |
| Average earning assets | $76,987,750 | 5,515 |
| Average equity | $31,054,250 | 2,127 |
| Average total loans | $3,353,750 | 7,686 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.8367% | 7,803 |
| Cost of funding earning assets | 0.0000% | 7,814 |
| Net interest margin | 0.8367% | 7,787 |
| Noninterest income to average assets | 470.6105% | 1 |
| Noninterest expense to average assets | 227.8057% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 158.2392% | 1 |
| Return on assets (ROA) | 158.2392% | 1 |
| Pretax return on assets | 243.4468% | 1 |
| Return on Equity (ROE) | 489.8996% | 2 |
| Retained earnings to average equity (ytd only) | -111.9337% | 7,746 |
| Net charge-offs to loans | 4.8047% | 224 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 1,672.6575% | 7 |
| Efficiency ratio | 48.3405% | 7,326 |
| Assets per employee ($millions) | 0.0295% | 7,812 |
| Cash dividends to net income (ytd only)* | 122.8483% | 272 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.2241% | 94 |
| Loan loss allowance to noncurrent loans | 600.0000% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 7,348 |
| Noncurrent loans to loans | 1.0373% | 5,234 |
| Net loans and leases to total assets | 2.0253% | 7,778 |
| Net loans and leases to deposits | 8.7221% | 7,772 |
| Net loans and leases to core deposits | 8.7221% | 7,758 |
| Total domestic deposits to total assets | 23.2206% | 7,776 |
| Equity capital to assets | 30.6744% | 78 |
| Core capital (leverage) ratio | 30.6719% | 79 |
| Tier 1 risk-based capital ratio | 75.1613% | 74 |
| Total risk-based capital ratio | 75.4907% | 75 |
| Memoranda: |
| Average total assets | $100,312,670 | 5,063 |
| Average earning assets | $76,969,670 | 5,551 |
| Average equity | $32,401,330 | 2,040 |
| Average total loans | $3,038,670 | 7,763 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.9920% | 7,905 |
| Cost of funding earning assets | 0.0000% | 7,914 |
| Net interest margin | 0.9920% | 7,879 |
| Noninterest income to average assets | 455.7288% | 1 |
| Noninterest expense to average assets | 235.0851% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 143.9159% | 1 |
| Return on assets (ROA) | 143.9159% | 1 |
| Pretax return on assets | 221.4109% | 1 |
| Return on Equity (ROE) | 436.2928% | 5 |
| Retained earnings to average equity (ytd only) | -239.7330% | 7,894 |
| Net charge-offs to loans | 4.3406% | 299 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1,502.1026% | 12 |
| Efficiency ratio | 51.4977% | 7,193 |
| Assets per employee ($millions) | 0.0251% | 7,915 |
| Cash dividends to net income (ytd only)* | 154.9477% | 293 |
| Condition Ratios (%) |
| Loss allowance to loans | 7.7150% | 41 |
| Loan loss allowance to noncurrent loans | 194.2149% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 7,120 |
| Noncurrent loans to loans | 3.9724% | 1,972 |
| Net loans and leases to total assets | 3.3791% | 7,878 |
| Net loans and leases to deposits | 12.8550% | 7,864 |
| Net loans and leases to core deposits | 12.8550% | 7,851 |
| Total domestic deposits to total assets | 26.2866% | 7,876 |
| Equity capital to assets | 29.4625% | 87 |
| Core capital (leverage) ratio | 29.4688% | 88 |
| Tier 1 risk-based capital ratio | 70.7427% | 80 |
| Total risk-based capital ratio | 71.4207% | 79 |
| Memoranda: |
| Average total assets | $105,834,000 | 4,983 |
| Average earning assets | $81,852,500 | 5,443 |
| Average equity | $34,910,500 | 1,926 |
| Average total loans | $3,594,000 | 7,855 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.1352% | 7,923 |
| Cost of funding earning assets | 0.0000% | 8,000 |
| Net interest margin | 2.1352% | 7,684 |
| Noninterest income to average assets | 525.2268% | 1 |
| Noninterest expense to average assets | 252.4475% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 178.3310% | 1 |
| Return on assets (ROA) | 178.3310% | 1 |
| Pretax return on assets | 274.3546% | 1 |
| Return on Equity (ROE) | 507.6261% | 2 |
| Retained earnings to average equity (ytd only) | 27.5120% | 18 |
| Net charge-offs to loans | -1.4084% | 7,958 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9207% | 7,633 |
| Assets per employee ($millions) | 0.0362% | 7,996 |
| Cash dividends to net income (ytd only)* | 94.5803% | 745 |
| Condition Ratios (%) |
| Loss allowance to loans | 7.5326% | 49 |
| Loan loss allowance to noncurrent loans | 663.8298% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 7,425 |
| Noncurrent loans to loans | 1.1347% | 5,063 |
| Net loans and leases to total assets | 2.9810% | 7,955 |
| Net loans and leases to deposits | 14.6144% | 7,932 |
| Net loans and leases to core deposits | 14.6144% | 7,938 |
| Total domestic deposits to total assets | 20.3976% | 7,961 |
| Equity capital to assets | 35.2675% | 78 |
| Core capital (leverage) ratio | 35.2879% | 78 |
| Tier 1 risk-based capital ratio | 93.4655% | 59 |
| Total risk-based capital ratio | 94.1082% | 59 |
| Memoranda: |
| Average total assets | $96,936,600 | 5,171 |
| Average earning assets | $71,515,400 | 5,766 |
| Average equity | $34,054,200 | 1,971 |
| Average total loans | $2,911,200 | 7,939 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5409% | 8,007 |
| Cost of funding earning assets | 0.0000% | 8,084 |
| Net interest margin | 2.5409% | 7,418 |
| Noninterest income to average assets | 554.0493% | 1 |
| Noninterest expense to average assets | 275.2811% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 182.3803% | 1 |
| Return on assets (ROA) | 182.3803% | 1 |
| Pretax return on assets | 280.5828% | 1 |
| Return on Equity (ROE) | 519.8845% | 2 |
| Retained earnings to average equity (ytd only) | 14.1312% | 186 |
| Net charge-offs to loans | -1.5364% | 8,041 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5231% | 7,584 |
| Assets per employee ($millions) | 0.0267% | 8,082 |
| Cash dividends to net income (ytd only)* | 97.2819% | 614 |
| Condition Ratios (%) |
| Loss allowance to loans | 7.1695% | 45 |
| Loan loss allowance to noncurrent loans | 3,460.0000% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 7,593 |
| Noncurrent loans to loans | 0.2072% | 6,982 |
| Net loans and leases to total assets | 2.5448% | 8,039 |
| Net loans and leases to deposits | 10.9274% | 8,030 |
| Net loans and leases to core deposits | 10.9274% | 8,023 |
| Total domestic deposits to total assets | 23.2888% | 8,039 |
| Equity capital to assets | 44.6041% | 64 |
| Core capital (leverage) ratio | 44.5863% | 63 |
| Tier 1 risk-based capital ratio | 104.0080% | 61 |
| Total risk-based capital ratio | 104.4668% | 61 |
| Memoranda: |
| Average total assets | $89,050,500 | 5,454 |
| Average earning assets | $63,599,000 | 6,055 |
| Average equity | $31,239,750 | 2,168 |
| Average total loans | $2,603,500 | 8,024 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6082% | 8,100 |
| Cost of funding earning assets | 0.0000% | 8,178 |
| Net interest margin | 2.6082% | 7,352 |
| Noninterest income to average assets | 560.2321% | 1 |
| Noninterest expense to average assets | 283.3512% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 181.1717% | 1 |
| Return on assets (ROA) | 181.1717% | 1 |
| Pretax return on assets | 278.7244% | 1 |
| Return on Equity (ROE) | 566.9537% | 5 |
| Retained earnings to average equity (ytd only) | -49.1703% | 7,900 |
| Net charge-offs to loans | -4.0495% | 8,137 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4116% | 7,641 |
| Assets per employee ($millions) | 0.0240% | 8,177 |
| Cash dividends to net income (ytd only)* | 108.6727% | 616 |
| Condition Ratios (%) |
| Loss allowance to loans | 10.0642% | 18 |
| Loan loss allowance to noncurrent loans | 256.3636% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 7,411 |
| Noncurrent loans to loans | 3.9258% | 1,735 |
| Net loans and leases to total assets | 1.5991% | 8,135 |
| Net loans and leases to deposits | 6.1311% | 8,132 |
| Net loans and leases to core deposits | 6.1311% | 8,125 |
| Total domestic deposits to total assets | 26.0819% | 8,124 |
| Equity capital to assets | 36.7731% | 96 |
| Core capital (leverage) ratio | 36.6470% | 103 |
| Tier 1 risk-based capital ratio | 77.4434% | 89 |
| Total risk-based capital ratio | 77.8233% | 90 |
| Memoranda: |
| Average total assets | $89,393,670 | 5,480 |
| Average earning assets | $63,185,670 | 6,104 |
| Average equity | $28,566,000 | 2,368 |
| Average total loans | $2,667,000 | 8,116 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4121% | 8,169 |
| Cost of funding earning assets | 0.0000% | 8,229 |
| Net interest margin | 2.4121% | 7,601 |
| Noninterest income to average assets | 519.5753% | 1 |
| Noninterest expense to average assets | 294.9389% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 147.1484% | 1 |
| Return on assets (ROA) | 147.1484% | 1 |
| Pretax return on assets | 226.3809% | 1 |
| Return on Equity (ROE) | 491.2998% | 6 |
| Retained earnings to average equity (ytd only) | -192.7261% | 8,193 |
| Net charge-offs to loans | -4.8485% | 8,186 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5754% | 6,886 |
| Assets per employee ($millions) | 0.0208% | 8,229 |
| Cash dividends to net income (ytd only)* | 139.2278% | 500 |
| Condition Ratios (%) |
| Loss allowance to loans | 10.2934% | 13 |
| Loan loss allowance to noncurrent loans | 212.5000% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 7,163 |
| Noncurrent loans to loans | 4.8440% | 1,138 |
| Net loans and leases to total assets | 2.5817% | 8,184 |
| Net loans and leases to deposits | 9.2078% | 8,173 |
| Net loans and leases to core deposits | 9.2078% | 8,169 |
| Total domestic deposits to total assets | 28.0381% | 8,178 |
| Equity capital to assets | 29.0032% | 155 |
| Core capital (leverage) ratio | 29.2621% | 160 |
| Tier 1 risk-based capital ratio | 61.6124% | 136 |
| Total risk-based capital ratio | 62.2339% | 136 |
| Memoranda: |
| Average total assets | $94,693,500 | 5,345 |
| Average earning assets | $68,489,000 | 5,964 |
| Average equity | $28,361,500 | 2,392 |
| Average total loans | $3,300,000 | 8,158 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1767% | 8,165 |
| Cost of funding earning assets | 0.0000% | 8,290 |
| Net interest margin | 3.1767% | 6,441 |
| Noninterest income to average assets | 558.9251% | 1 |
| Noninterest expense to average assets | 242.6327% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 207.0973% | 1 |
| Return on assets (ROA) | 207.0973% | 1 |
| Pretax return on assets | 318.6126% | 1 |
| Return on Equity (ROE) | 656.8229% | 1 |
| Retained earnings to average equity (ytd only) | -61.3654% | 8,195 |
| Net charge-offs to loans | 5.4908% | 78 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 1,458.7879% | 27 |
| Efficiency ratio | 43.2311% | 8,032 |
| Assets per employee ($millions) | 0.0308% | 8,284 |
| Cash dividends to net income (ytd only)* | 109.3428% | 817 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.8956% | 102 |
| Loan loss allowance to noncurrent loans | 186.3248% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1019% | 7,172 |
| Noncurrent loans to loans | 2.6274% | 2,062 |
| Net loans and leases to total assets | 3.6895% | 8,236 |
| Net loans and leases to deposits | 16.1684% | 8,208 |
| Net loans and leases to core deposits | 16.1684% | 8,210 |
| Total domestic deposits to total assets | 22.8192% | 8,232 |
| Equity capital to assets | 30.5667% | 169 |
| Core capital (leverage) ratio | 30.7309% | 178 |
| Tier 1 risk-based capital ratio | 35.9984% | 419 |
| Total risk-based capital ratio | 36.2204% | 433 |
| Memoranda: |
| Average total assets | $105,764,800 | 4,883 |
| Average earning assets | $77,250,800 | 5,538 |
| Average equity | $33,347,800 | 2,028 |
| Average total loans | $4,207,000 | 8,187 |
