| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2356% | 1,598 |
| Cost of funding earning assets | 0.6799% | 3,953 |
| Net interest margin | 4.5557% | 561 |
| Noninterest income to average assets | 1.0800% | 561 |
| Noninterest expense to average assets | 3.3487% | 702 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.8504% | 567 |
| Return on assets (ROA) | 1.8504% | 550 |
| Pretax return on assets | 1.8504% | 825 |
| Return on Equity (ROE) | 8.6700% | 2,838 |
| Retained earnings to average equity (ytd only) | 8.6693% | 1,343 |
| 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 | 61.9022% | 2,842 |
| Assets per employee ($millions) | 6.9858% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9618% | 3,483 |
| 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 | 51.5300% | 3,506 |
| Net loans and leases to deposits | 67.4313% | 3,075 |
| Net loans and leases to core deposits | 71.2303% | 3,234 |
| Total domestic deposits to total assets | 76.4200% | 3,901 |
| Equity capital to assets | 23.1197% | 216 |
| Core capital (leverage) ratio | 18.7064% | 303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $172,991,200 | 3,175 |
| Average earning assets | $161,052,400 | 3,161 |
| Average equity | $36,923,400 | 1,985 |
| Average total loans | $80,104,600 | 3,404 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0356% | 1,762 |
| Cost of funding earning assets | 0.5832% | 3,999 |
| Net interest margin | 4.4525% | 659 |
| Noninterest income to average assets | 1.0700% | 575 |
| Noninterest expense to average assets | 3.1496% | 872 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.9695% | 521 |
| Return on assets (ROA) | 1.9695% | 513 |
| Pretax return on assets | 1.9695% | 781 |
| Return on Equity (ROE) | 9.4200% | 2,820 |
| Retained earnings to average equity (ytd only) | 9.4155% | 1,571 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.1461% | 3,073 |
| Assets per employee ($millions) | 7.7284% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9426% | 3,587 |
| 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 | 48.1500% | 3,730 |
| Net loans and leases to deposits | 62.1908% | 3,393 |
| Net loans and leases to core deposits | 65.5854% | 3,453 |
| Total domestic deposits to total assets | 77.4200% | 3,886 |
| Equity capital to assets | 22.1680% | 235 |
| Core capital (leverage) ratio | 18.2720% | 334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $174,324,500 | 3,181 |
| Average earning assets | $162,782,500 | 3,159 |
| Average equity | $36,463,750 | 1,987 |
| Average total loans | $78,323,250 | 3,438 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7238% | 2,158 |
| Cost of funding earning assets | 0.4848% | 4,012 |
| Net interest margin | 4.2390% | 874 |
| Noninterest income to average assets | 1.1000% | 492 |
| Noninterest expense to average assets | 2.9609% | 1,105 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.9436% | 510 |
| Return on assets (ROA) | 1.9436% | 508 |
| Pretax return on assets | 1.9436% | 816 |
| Return on Equity (ROE) | 9.4700% | 2,842 |
| Retained earnings to average equity (ytd only) | 9.4745% | 1,556 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.2935% | 3,274 |
| Assets per employee ($millions) | 7.2424% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9515% | 3,611 |
| 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 | 44.7900% | 3,850 |
| Net loans and leases to deposits | 56.4582% | 3,613 |
| Net loans and leases to core deposits | 59.4033% | 3,662 |
| Total domestic deposits to total assets | 79.3300% | 3,674 |
| Equity capital to assets | 20.3276% | 274 |
| Core capital (leverage) ratio | 17.5518% | 371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $175,758,000 | 3,173 |
| Average earning assets | $164,614,667 | 3,160 |
| Average equity | $36,054,667 | 2,019 |
| Average total loans | $76,883,667 | 3,464 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2411% | 2,950 |
| Cost of funding earning assets | 0.4493% | 3,836 |
| Net interest margin | 3.7918% | 1,705 |
| Noninterest income to average assets | 1.5000% | 332 |
| Noninterest expense to average assets | 2.6527% | 1,802 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 2.3731% | 289 |
| Return on assets (ROA) | 2.3731% | 285 |
| Pretax return on assets | 2.3731% | 430 |
| Return on Equity (ROE) | 11.5100% | 2,351 |
| Retained earnings to average equity (ytd only) | 11.5136% | 1,357 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.4888% | 3,823 |
| Assets per employee ($millions) | 8.0904% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8682% | 3,936 |
| 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 | 37.6900% | 4,125 |
| Net loans and leases to deposits | 46.5265% | 4,018 |
| Net loans and leases to core deposits | 49.0530% | 4,017 |
| Total domestic deposits to total assets | 81.0100% | 3,636 |
| Equity capital to assets | 18.7125% | 276 |
| Core capital (leverage) ratio | 19.4167% | 288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $173,107,500 | 3,240 |
| Average earning assets | $162,034,500 | 3,217 |
| Average equity | $35,679,500 | 2,055 |
| Average total loans | $74,390,000 | 3,535 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7297% | 2,456 |
| Cost of funding earning assets | 0.1595% | 4,060 |
| Net interest margin | 3.5701% | 1,729 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 2.5465% | 1,978 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.4344% | 1,039 |
| Return on assets (ROA) | 1.4344% | 1,004 |
| Pretax return on assets | 1.4344% | 1,677 |
| Return on Equity (ROE) | 6.9100% | 3,656 |
| Retained earnings to average equity (ytd only) | 6.9099% | 2,278 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.2326% | 3,158 |
| Assets per employee ($millions) | 6.9111% | 2,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8446% | 3,933 |
| 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 | 48.8800% | 3,597 |
| Net loans and leases to deposits | 63.7266% | 3,064 |
| Net loans and leases to core deposits | 68.6084% | 2,971 |
| Total domestic deposits to total assets | 76.7000% | 4,205 |
| Equity capital to assets | 23.0359% | 173 |
| Core capital (leverage) ratio | 15.9928% | 455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $163,831,800 | 3,316 |
| Average earning assets | $152,963,400 | 3,296 |
| Average equity | $34,009,200 | 2,151 |
| Average total loans | $68,426,000 | 3,604 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3989% | 2,927 |
| Cost of funding earning assets | 0.1171% | 4,145 |
| Net interest margin | 3.2817% | 2,350 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.4727% | 2,090 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 0.8714% | 3,001 |
| Return on assets (ROA) | 0.8714% | 2,970 |
| Pretax return on assets | 0.8714% | 3,415 |
| Return on Equity (ROE) | 4.3100% | 4,101 |
| Retained earnings to average equity (ytd only) | 4.3054% | 3,346 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.0958% | 2,007 |
| Assets per employee ($millions) | 7.4602% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8129% | 4,066 |
| 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 | 37.8200% | 4,156 |
| Net loans and leases to deposits | 46.8614% | 3,997 |
| Net loans and leases to core deposits | 50.0399% | 3,945 |
| Total domestic deposits to total assets | 80.7100% | 4,026 |
| Equity capital to assets | 18.9790% | 241 |
| Core capital (leverage) ratio | 16.4335% | 404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $166,778,500 | 3,316 |
| Average earning assets | $155,970,000 | 3,303 |
| Average equity | $33,755,250 | 2,202 |
| Average total loans | $66,794,750 | 3,652 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1617% | 3,161 |
| Cost of funding earning assets | 0.1079% | 4,105 |
| Net interest margin | 3.0538% | 2,701 |
| Noninterest income to average assets | 0.1672% | 4,177 |
| Noninterest expense to average assets | 2.5767% | 1,707 |
| Loan and lease loss provision to assets | 0.1352% | 705 |
| Net operating income to assets | 0.3086% | 4,275 |
| Return on assets (ROA) | 0.3086% | 4,225 |
| Pretax return on assets | 0.3086% | 4,288 |
| Return on Equity (ROE) | 1.4905% | 4,408 |
| Retained earnings to average equity (ytd only) | 1.4905% | 3,884 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0106% | 797 |
| Assets per employee ($millions) | 7.2802% | 1,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6678% | 4,387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 39.5023% | 4,096 |
| Net loans and leases to deposits | 49.1176% | 3,860 |
| Net loans and leases to core deposits | 52.7708% | 3,769 |
| Total domestic deposits to total assets | 80.4240% | 4,189 |
| Equity capital to assets | 19.2864% | 183 |
| Core capital (leverage) ratio | 15.4443% | 427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $162,689,667 | 3,386 |
| Average earning assets | $152,005,667 | 3,377 |
| Average equity | $33,680,000 | 2,247 |
| Average total loans | $66,301,667 | 3,691 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6228% | 4,086 |
| Cost of funding earning assets | 0.1150% | 3,948 |
| Net interest margin | 2.5078% | 3,893 |
| Noninterest income to average assets | 0.0408% | 4,682 |
| Noninterest expense to average assets | 2.7242% | 1,306 |
| Loan and lease loss provision to assets | -0.0153% | 4,434 |
| Net operating income to assets | -0.3293% | 4,670 |
| Return on assets (ROA) | -0.3293% | 4,656 |
| Pretax return on assets | -0.3293% | 4,641 |
| Return on Equity (ROE) | -1.5325% | 4,616 |
| Retained earnings to average equity (ytd only) | -1.5325% | 4,202 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.4807% | 118 |
| Assets per employee ($millions) | 6.4397% | 2,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5232% | 4,569 |
| Loan loss allowance to noncurrent loans | 790.9091% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 3,759 |
| Noncurrent loans to loans | 0.0661% | 3,516 |
| Net loans and leases to total assets | 42.8154% | 3,832 |
| Net loans and leases to deposits | 54.9204% | 3,349 |
| Net loans and leases to core deposits | 59.8571% | 3,161 |
| Total domestic deposits to total assets | 77.9589% | 4,409 |
| Equity capital to assets | 21.7448% | 126 |
| Core capital (leverage) ratio | 17.4480% | 272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $156,672,500 | 3,454 |
| Average earning assets | $146,102,500 | 3,449 |
| Average equity | $33,671,000 | 2,300 |
| Average total loans | $64,710,500 | 3,722 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9993% | 3,871 |
| Cost of funding earning assets | 0.2060% | 3,405 |
| Net interest margin | 2.7933% | 3,679 |
| Noninterest income to average assets | 0.0147% | 4,778 |
| Noninterest expense to average assets | 2.4432% | 2,355 |
| Loan and lease loss provision to assets | 0.0335% | 2,383 |
| Net operating income to assets | 0.1374% | 4,589 |
| Return on assets (ROA) | 0.1374% | 4,601 |
| Pretax return on assets | 0.1374% | 4,612 |
| Return on Equity (ROE) | 0.6969% | 4,633 |
| Retained earnings to average equity (ytd only) | 0.6969% | 4,332 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5897% | 311 |
| Assets per employee ($millions) | 5.6712% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5628% | 4,570 |
| Loan loss allowance to noncurrent loans | 804.5455% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 3,849 |
| Noncurrent loans to loans | 0.0700% | 3,588 |
| Net loans and leases to total assets | 39.3890% | 4,129 |
| Net loans and leases to deposits | 50.0993% | 3,869 |
| Net loans and leases to core deposits | 54.9506% | 3,691 |
| Total domestic deposits to total assets | 78.6219% | 4,345 |
| Equity capital to assets | 21.2446% | 145 |
| Core capital (leverage) ratio | 16.9384% | 293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $149,191,000 | 3,490 |
| Average earning assets | $138,830,800 | 3,487 |
| Average equity | $29,417,000 | 2,572 |
| Average total loans | $67,705,600 | 3,695 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0976% | 3,816 |
| Cost of funding earning assets | 0.2286% | 3,340 |
| Net interest margin | 2.8690% | 3,619 |
| Noninterest income to average assets | 0.0082% | 4,864 |
| Noninterest expense to average assets | 3.2926% | 606 |
| Loan and lease loss provision to assets | 0.0456% | 2,083 |
| Net operating income to assets | -0.6622% | 4,844 |
| Return on assets (ROA) | -0.6622% | 4,848 |
| Pretax return on assets | -0.6622% | 4,844 |
| Return on Equity (ROE) | -3.4300% | 4,828 |
| Retained earnings to average equity (ytd only) | -3.4300% | 4,758 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.1969% | 72 |
| Assets per employee ($millions) | 6.4788% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5350% | 4,680 |
| Loan loss allowance to noncurrent loans | 804.5455% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 3,993 |
| Noncurrent loans to loans | 0.0665% | 3,764 |
| Net loans and leases to total assets | 40.6359% | 4,179 |
| Net loans and leases to deposits | 51.0684% | 3,947 |
| Net loans and leases to core deposits | 55.2225% | 3,835 |
| Total domestic deposits to total assets | 79.5715% | 4,287 |
| Equity capital to assets | 20.2525% | 184 |
| Core capital (leverage) ratio | 16.9978% | 315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $146,790,500 | 3,551 |
| Average earning assets | $136,488,000 | 3,548 |
| Average equity | $28,337,500 | 2,655 |
| Average total loans | $68,906,750 | 3,719 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2923% | 3,451 |
| Cost of funding earning assets | 0.2538% | 3,249 |
| Net interest margin | 3.0384% | 3,216 |
| Noninterest income to average assets | -0.0071% | 4,931 |
| Noninterest expense to average assets | 2.9097% | 1,130 |
| Loan and lease loss provision to assets | 0.0706% | 1,643 |
| Net operating income to assets | -0.1665% | 4,825 |
| Return on assets (ROA) | -0.1665% | 4,831 |
| Pretax return on assets | -0.1665% | 4,826 |
| Return on Equity (ROE) | -0.8790% | 4,819 |
| Retained earnings to average equity (ytd only) | -0.8790% | 4,600 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6018% | 160 |
| Assets per employee ($millions) | 7.2652% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5278% | 4,720 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 43.7291% | 4,056 |
| Net loans and leases to deposits | 56.1001% | 3,702 |
| Net loans and leases to core deposits | 60.5450% | 3,578 |
| Total domestic deposits to total assets | 77.9483% | 4,438 |
| Equity capital to assets | 21.9003% | 128 |
| Core capital (leverage) ratio | 18.4827% | 242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $141,730,667 | 3,613 |
| Average earning assets | $131,581,000 | 3,609 |
| Average equity | $26,849,000 | 2,755 |
| Average total loans | $69,818,333 | 3,726 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4371% | 3,095 |
| Cost of funding earning assets | 0.2724% | 3,245 |
| Net interest margin | 3.1646% | 2,800 |
| Noninterest income to average assets | -0.0499% | 4,954 |
| Noninterest expense to average assets | 2.5618% | 1,986 |
| Loan and lease loss provision to assets | 0.1086% | 1,273 |
| Net operating income to assets | 0.2113% | 4,626 |
| Return on assets (ROA) | 0.2113% | 4,652 |
| Pretax return on assets | 0.2113% | 4,672 |
| Return on Equity (ROE) | 1.2220% | 4,690 |
| Retained earnings to average equity (ytd only) | 1.2220% | 4,173 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0489% | 510 |
| Assets per employee ($millions) | 7.8088% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4818% | 4,786 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 50.1156% | 3,611 |
| Net loans and leases to deposits | 60.3063% | 3,457 |
| Net loans and leases to core deposits | 64.9846% | 3,320 |
| Total domestic deposits to total assets | 83.1018% | 3,663 |
| Equity capital to assets | 16.7922% | 331 |
| Core capital (leverage) ratio | 12.6100% | 955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $136,311,500 | 3,679 |
| Average earning assets | $126,271,000 | 3,666 |
| Average equity | $23,567,000 | 2,960 |
| Average total loans | $71,192,000 | 3,712 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7859% | 3,341 |
| Cost of funding earning assets | 0.4487% | 3,289 |
| Net interest margin | 3.3372% | 2,964 |
| Noninterest income to average assets | 0.0384% | 4,881 |
| Noninterest expense to average assets | 2.5120% | 2,812 |
| Loan and lease loss provision to assets | 0.1016% | 3,061 |
| Net operating income to assets | 0.3678% | 4,311 |
| Return on assets (ROA) | 0.3678% | 4,388 |
| Pretax return on assets | 0.3707% | 4,458 |
| Return on Equity (ROE) | 1.7461% | 4,590 |
| Retained earnings to average equity (ytd only) | 1.7461% | 3,925 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1099% | 744 |
| Assets per employee ($millions) | 8.1029% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4232% | 4,844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 51.7594% | 3,681 |
| Net loans and leases to deposits | 65.7858% | 3,295 |
| Net loans and leases to core deposits | 71.6894% | 3,105 |
| Total domestic deposits to total assets | 78.6786% | 4,237 |
| Equity capital to assets | 21.2096% | 157 |
| Core capital (leverage) ratio | 13.1360% | 861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $137,855,600 | 3,537 |
| Average earning assets | $121,689,600 | 3,606 |
| Average equity | $29,035,400 | 2,532 |
| Average total loans | $69,731,000 | 3,743 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7887% | 3,598 |
| Cost of funding earning assets | 0.4910% | 3,282 |
| Net interest margin | 3.2978% | 3,204 |
| Noninterest income to average assets | 0.0396% | 4,909 |
| Noninterest expense to average assets | 2.4097% | 3,104 |
| Loan and lease loss provision to assets | 0.0936% | 3,143 |
| Net operating income to assets | 0.4458% | 4,176 |
| Return on assets (ROA) | 0.4458% | 4,241 |
| Pretax return on assets | 0.4458% | 4,379 |
| Return on Equity (ROE) | 2.1202% | 4,535 |
| Retained earnings to average equity (ytd only) | 2.1202% | 3,886 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6721% | 890 |
| Assets per employee ($millions) | 8.1723% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3487% | 4,912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 53.4870% | 3,849 |
| Net loans and leases to deposits | 67.8417% | 3,479 |
| Net loans and leases to core deposits | 73.2852% | 3,376 |
| Total domestic deposits to total assets | 78.8410% | 4,077 |
| Equity capital to assets | 20.9963% | 178 |
| Core capital (leverage) ratio | 12.2787% | 1,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $137,882,250 | 3,529 |
| Average earning assets | $121,655,500 | 3,596 |
| Average equity | $28,990,250 | 2,532 |
| Average total loans | $69,263,500 | 3,761 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8906% | 3,651 |
| Cost of funding earning assets | 0.4999% | 3,533 |
| Net interest margin | 3.3907% | 3,131 |
| Noninterest income to average assets | 0.0436% | 4,927 |
| Noninterest expense to average assets | 2.3718% | 3,340 |
| Loan and lease loss provision to assets | 0.0989% | 3,038 |
| Net operating income to assets | 0.5613% | 3,858 |
| Return on assets (ROA) | 0.5613% | 3,934 |
| Pretax return on assets | 0.5613% | 4,132 |
| Return on Equity (ROE) | 2.6685% | 4,408 |
| Retained earnings to average equity (ytd only) | 2.6685% | 3,519 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5324% | 1,412 |
| Assets per employee ($millions) | 8.3938% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3209% | 4,950 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 50.2863% | 4,151 |
| Net loans and leases to deposits | 63.3204% | 3,934 |
| Net loans and leases to core deposits | 68.4316% | 3,834 |
| Total domestic deposits to total assets | 79.4155% | 3,950 |
| Equity capital to assets | 20.3896% | 196 |
| Core capital (leverage) ratio | 13.7088% | 819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0929% | 763 |
| Memoranda: |
| Average total assets | $137,533,333 | 3,511 |
| Average earning assets | $121,215,667 | 3,587 |
| Average equity | $28,930,333 | 2,523 |
| Average total loans | $67,495,000 | 3,800 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3213% | 2,853 |
| Cost of funding earning assets | 0.6096% | 3,385 |
| Net interest margin | 3.7117% | 2,284 |
| Noninterest income to average assets | 0.0771% | 4,903 |
| Noninterest expense to average assets | 2.3593% | 3,630 |
| Loan and lease loss provision to assets | 0.1601% | 1,808 |
| Net operating income to assets | 0.8240% | 2,817 |
| Return on assets (ROA) | 0.8240% | 2,903 |
| Pretax return on assets | 0.8240% | 3,347 |
| Return on Equity (ROE) | 3.8547% | 3,992 |
| Retained earnings to average equity (ytd only) | 3.8547% | 2,734 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5674% | 2,271 |
| Assets per employee ($millions) | 8.1795% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3448% | 4,973 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 47.9255% | 4,340 |
| Net loans and leases to deposits | 61.7418% | 4,117 |
| Net loans and leases to core deposits | 67.3362% | 4,016 |
| Total domestic deposits to total assets | 77.6224% | 4,275 |
| Equity capital to assets | 22.1491% | 170 |
| Core capital (leverage) ratio | 14.4900% | 796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3708% | 821 |
| Memoranda: |
| Average total assets | $134,952,500 | 3,520 |
| Average earning assets | $118,761,000 | 3,592 |
| Average equity | $28,848,000 | 2,525 |
| Average total loans | $65,249,000 | 3,859 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7891% | 5,091 |
| Cost of funding earning assets | 0.3895% | 4,477 |
| Net interest margin | 2.3996% | 5,013 |
| Noninterest income to average assets | 0.0485% | 5,038 |
| Noninterest expense to average assets | 1.4519% | 5,020 |
| Loan and lease loss provision to assets | 0.1521% | 1,393 |
| Net operating income to assets | 0.6634% | 3,978 |
| Return on assets (ROA) | 0.6634% | 4,051 |
| Pretax return on assets | 0.6634% | 4,298 |
| Return on Equity (ROE) | 3.6958% | 4,537 |
| Retained earnings to average equity (ytd only) | -2.6926% | 4,902 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0329% | 3,069 |
| Assets per employee ($millions) | 8.1784% | 667 |
| Cash dividends to net income (ytd only)* | 172.8551% | 89 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2413% | 5,073 |
| 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 | 48.4755% | 4,405 |
| Net loans and leases to deposits | 61.2605% | 4,231 |
| Net loans and leases to core deposits | 66.8104% | 4,146 |
| Total domestic deposits to total assets | 79.1301% | 4,166 |
| Equity capital to assets | 20.6491% | 221 |
| Core capital (leverage) ratio | 12.6983% | 1,373 |
| Tier 1 risk-based capital ratio | 18.3780% | 1,674 |
| Total risk-based capital ratio | 18.5938% | 1,895 |
| Memoranda: |
| Average total assets | $107,167,400 | 3,877 |
| Average earning assets | $99,100,600 | 3,889 |
| Average equity | $19,237,800 | 3,203 |
| Average total loans | $71,023,800 | 3,758 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1458% | 1,166 |
| Cost of funding earning assets | 0.8865% | 2,288 |
| Net interest margin | 4.2593% | 1,251 |
| Noninterest income to average assets | 0.0968% | 5,000 |
| Noninterest expense to average assets | 2.6585% | 2,986 |
| Loan and lease loss provision to assets | 0.0255% | 3,385 |
| Net operating income to assets | 1.2607% | 1,983 |
| Return on assets (ROA) | 1.2607% | 2,063 |
| Pretax return on assets | 1.4099% | 2,274 |
| Return on Equity (ROE) | 7.4134% | 3,546 |
| Retained earnings to average equity (ytd only) | -2.2999% | 4,948 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9376% | 2,877 |
| Assets per employee ($millions) | 7.6932% | 774 |
| Cash dividends to net income (ytd only)* | 131.0233% | 161 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0274% | 5,198 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 53.0738% | 4,250 |
| Net loans and leases to deposits | 68.0536% | 3,912 |
| Net loans and leases to core deposits | 75.3177% | 3,738 |
| Total domestic deposits to total assets | 77.9881% | 4,353 |
| Equity capital to assets | 21.6900% | 193 |
| Core capital (leverage) ratio | 17.0535% | 435 |
| Tier 1 risk-based capital ratio | 19.1222% | 1,536 |
| Total risk-based capital ratio | 19.1564% | 1,790 |
| Memoranda: |
| Average total assets | $99,201,000 | 4,057 |
| Average earning assets | $93,096,250 | 4,034 |
| Average equity | $16,870,000 | 3,471 |
| Average total loans | $71,889,750 | 3,785 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3572% | 727 |
| Cost of funding earning assets | 0.9848% | 1,770 |
| Net interest margin | 4.3724% | 993 |
| Noninterest income to average assets | 0.1083% | 5,006 |
| Noninterest expense to average assets | 2.8103% | 2,546 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2834% | 1,841 |
| Return on assets (ROA) | 1.2834% | 1,899 |
| Pretax return on assets | 1.5337% | 1,747 |
| Return on Equity (ROE) | 8.7286% | 2,962 |
| Retained earnings to average equity (ytd only) | -10.1245% | 5,179 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6937% | 3,020 |
| Assets per employee ($millions) | 6.5149% | 1,230 |
| Cash dividends to net income (ytd only)* | 215.9930% | 69 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2112% | 2,467 |
| 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 | 79.9480% | 887 |
| Net loans and leases to deposits | 93.1075% | 1,362 |
| Net loans and leases to core deposits | 104.6259% | 1,330 |
| Total domestic deposits to total assets | 85.8664% | 2,103 |
| Equity capital to assets | 13.7027% | 1,239 |
| Core capital (leverage) ratio | 14.0872% | 943 |
| Tier 1 risk-based capital ratio | 16.1967% | 2,329 |
| Total risk-based capital ratio | 17.3682% | 2,307 |
| Memoranda: |
| Average total assets | $88,673,330 | 4,244 |
| Average earning assets | $85,902,670 | 4,177 |
| Average equity | $13,037,670 | 3,931 |
| Average total loans | $72,709,330 | 3,787 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4143% | 613 |
| Cost of funding earning assets | 0.9921% | 1,596 |
| Net interest margin | 4.4221% | 856 |
| Noninterest income to average assets | 0.0961% | 5,096 |
| Noninterest expense to average assets | 2.6863% | 2,950 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3912% | 1,401 |
| Return on assets (ROA) | 1.3912% | 1,437 |
| Pretax return on assets | 1.6932% | 1,227 |
| Return on Equity (ROE) | 9.1377% | 2,745 |
| Retained earnings to average equity (ytd only) | 9.1377% | 1,267 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3375% | 3,636 |
| Assets per employee ($millions) | 5.9073% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2282% | 2,436 |
| 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 | 81.1342% | 693 |
| Net loans and leases to deposits | 96.1316% | 955 |
| Net loans and leases to core deposits | 107.3944% | 1,078 |
| Total domestic deposits to total assets | 84.3991% | 2,900 |
| Equity capital to assets | 15.1902% | 715 |
| Core capital (leverage) ratio | 15.6504% | 579 |
| Tier 1 risk-based capital ratio | 17.7278% | 1,877 |
| Total risk-based capital ratio | 18.9184% | 1,847 |
| Memoranda: |
| Average total assets | $87,406,000 | 4,306 |
| Average earning assets | $84,665,000 | 4,246 |
| Average equity | $13,307,500 | 3,902 |
| Average total loans | $72,157,500 | 3,836 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3083% | 576 |
| Cost of funding earning assets | 0.7545% | 1,764 |
| Net interest margin | 4.5538% | 685 |
| Noninterest income to average assets | 0.0933% | 5,174 |
| Noninterest expense to average assets | 2.7153% | 2,976 |
| Loan and lease loss provision to assets | -0.0744% | 5,237 |
| Net operating income to assets | 1.4828% | 1,163 |
| Return on assets (ROA) | 1.4828% | 1,149 |
| Pretax return on assets | 1.8771% | 756 |
| Return on Equity (ROE) | 10.0321% | 2,505 |
| Retained earnings to average equity (ytd only) | 10.0321% | 613 |
| Net charge-offs to loans | -0.1751% | 5,250 |
| Credit loss provision to net charge-offs | 51.6393% | 3,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0993% | 3,845 |
| Assets per employee ($millions) | 6.1573% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2499% | 2,299 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 81.9401% | 659 |
| Net loans and leases to deposits | 97.1261% | 964 |
| Net loans and leases to core deposits | 108.8653% | 1,060 |
| Total domestic deposits to total assets | 84.3646% | 2,880 |
| Equity capital to assets | 15.2607% | 655 |
| Core capital (leverage) ratio | 15.8584% | 535 |
| Tier 1 risk-based capital ratio | 17.7645% | 1,825 |
| Total risk-based capital ratio | 18.9853% | 1,788 |
| Memoranda: |
| Average total assets | $84,704,600 | 4,347 |
| Average earning assets | $82,304,400 | 4,278 |
| Average equity | $12,519,800 | 3,955 |
| Average total loans | $69,680,000 | 3,873 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2838% | 539 |
| Cost of funding earning assets | 0.7125% | 1,784 |
| Net interest margin | 4.5712% | 636 |
| Noninterest income to average assets | 0.0917% | 5,237 |
| Noninterest expense to average assets | 2.7542% | 2,800 |
| Loan and lease loss provision to assets | -0.1059% | 5,352 |
| Net operating income to assets | 1.4909% | 1,220 |
| Return on assets (ROA) | 1.4909% | 1,216 |
| Pretax return on assets | 1.8862% | 840 |
| Return on Equity (ROE) | 10.1715% | 2,548 |
| Retained earnings to average equity (ytd only) | 10.1715% | 872 |
| Net charge-offs to loans | -0.2350% | 5,325 |
| Credit loss provision to net charge-offs | 54.9180% | 2,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7392% | 3,699 |
| Assets per employee ($millions) | 6.9101% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2642% | 2,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 83.8280% | 474 |
| Net loans and leases to deposits | 99.6231% | 819 |
| Net loans and leases to core deposits | 111.7612% | 923 |
| Total domestic deposits to total assets | 84.1452% | 2,894 |
| Equity capital to assets | 15.4846% | 619 |
| Core capital (leverage) ratio | 15.0586% | 689 |
| Tier 1 risk-based capital ratio | 17.3833% | 1,975 |
| Total risk-based capital ratio | 18.6018% | 1,933 |
| Memoranda: |
| Average total assets | $84,330,250 | 4,401 |
| Average earning assets | $81,959,750 | 4,329 |
| Average equity | $12,361,000 | 4,012 |
| Average total loans | $69,218,000 | 3,922 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1647% | 591 |
| Cost of funding earning assets | 0.6595% | 1,873 |
| Net interest margin | 4.5052% | 694 |
| Noninterest income to average assets | 0.0873% | 5,307 |
| Noninterest expense to average assets | 2.6840% | 3,068 |
| Loan and lease loss provision to assets | -0.1580% | 5,455 |
| Net operating income to assets | 1.5354% | 1,064 |
| Return on assets (ROA) | 1.5354% | 1,070 |
| Pretax return on assets | 1.9434% | 699 |
| Return on Equity (ROE) | 10.6710% | 2,243 |
| Retained earnings to average equity (ytd only) | 10.6710% | 747 |
| Net charge-offs to loans | -0.3545% | 5,400 |
| Credit loss provision to net charge-offs | 54.9180% | 2,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0528% | 3,924 |
| Assets per employee ($millions) | 5.8225% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2694% | 2,327 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 79.2562% | 1,120 |
| Net loans and leases to deposits | 92.9190% | 1,486 |
| Net loans and leases to core deposits | 102.6774% | 1,514 |
| Total domestic deposits to total assets | 85.2960% | 2,565 |
| Equity capital to assets | 14.3662% | 843 |
| Core capital (leverage) ratio | 14.8422% | 705 |
| Tier 1 risk-based capital ratio | 17.0552% | 2,084 |
| Total risk-based capital ratio | 18.2786% | 2,040 |
| Memoranda: |
| Average total assets | $84,800,000 | 4,432 |
| Average earning assets | $82,482,670 | 4,355 |
| Average equity | $12,201,330 | 4,058 |
| Average total loans | $68,823,670 | 3,958 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0111% | 684 |
| Cost of funding earning assets | 0.6252% | 1,878 |
| Net interest margin | 4.3860% | 793 |
| Noninterest income to average assets | 0.0910% | 5,361 |
| Noninterest expense to average assets | 2.6098% | 3,310 |
| Loan and lease loss provision to assets | 0.1197% | 1,579 |
| Net operating income to assets | 1.2881% | 1,682 |
| Return on assets (ROA) | 1.2881% | 1,686 |
| Pretax return on assets | 1.6281% | 1,303 |
| Return on Equity (ROE) | 8.9454% | 2,930 |
| Retained earnings to average equity (ytd only) | 8.9454% | 1,473 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8901% | 4,082 |
| Assets per employee ($millions) | 6.0047% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2199% | 2,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 82.8349% | 556 |
| Net loans and leases to deposits | 97.2230% | 922 |
| Net loans and leases to core deposits | 106.3113% | 1,214 |
| Total domestic deposits to total assets | 85.2009% | 2,858 |
| Equity capital to assets | 14.4684% | 780 |
| Core capital (leverage) ratio | 14.7686% | 695 |
| Tier 1 risk-based capital ratio | 16.7368% | 2,198 |
| Total risk-based capital ratio | 17.9257% | 2,168 |
| Memoranda: |
| Average total assets | $83,531,500 | 4,507 |
| Average earning assets | $81,259,000 | 4,423 |
| Average equity | $12,028,500 | 4,118 |
| Average total loans | $68,180,500 | 4,005 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9590% | 696 |
| Cost of funding earning assets | 0.5567% | 1,902 |
| Net interest margin | 4.4023% | 761 |
| Noninterest income to average assets | 0.0809% | 5,457 |
| Noninterest expense to average assets | 2.7853% | 2,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8786% | 2,825 |
| Return on assets (ROA) | 0.8786% | 2,844 |
| Pretax return on assets | 1.5669% | 1,397 |
| Return on Equity (ROE) | 6.0998% | 3,723 |
| Retained earnings to average equity (ytd only) | 6.0998% | 1,481 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9977% | 3,608 |
| Assets per employee ($millions) | 6.3844% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2677% | 2,387 |
| 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 | 78.3522% | 1,239 |
| Net loans and leases to deposits | 91.7233% | 1,567 |
| Net loans and leases to core deposits | 103.2124% | 1,472 |
| Total domestic deposits to total assets | 85.4224% | 2,685 |
| Equity capital to assets | 14.3306% | 826 |
| Core capital (leverage) ratio | 14.6299% | 701 |
| Tier 1 risk-based capital ratio | 17.4693% | 1,952 |
| Total risk-based capital ratio | 18.7016% | 1,914 |
| Memoranda: |
| Average total assets | $80,351,800 | 4,586 |
| Average earning assets | $77,958,800 | 4,498 |
| Average equity | $11,574,200 | 4,212 |
| Average total loans | $64,714,600 | 4,083 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9460% | 683 |
| Cost of funding earning assets | 0.5296% | 2,037 |
| Net interest margin | 4.4164% | 707 |
| Noninterest income to average assets | 0.0803% | 5,529 |
| Noninterest expense to average assets | 2.7757% | 2,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0474% | 2,342 |
| Return on assets (ROA) | 1.0474% | 2,384 |
| Pretax return on assets | 1.5878% | 1,467 |
| Return on Equity (ROE) | 7.2615% | 3,516 |
| Retained earnings to average equity (ytd only) | 7.2615% | 1,561 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6120% | 3,622 |
| Assets per employee ($millions) | 5.6607% | 1,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2593% | 2,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 82.6120% | 587 |
| Net loans and leases to deposits | 97.3792% | 978 |
| Net loans and leases to core deposits | 107.4794% | 1,171 |
| Total domestic deposits to total assets | 84.8353% | 2,782 |
| Equity capital to assets | 14.9047% | 748 |
| Core capital (leverage) ratio | 14.8558% | 688 |
| Tier 1 risk-based capital ratio | 17.3273% | 2,054 |
| Total risk-based capital ratio | 18.5580% | 2,017 |
| Memoranda: |
| Average total assets | $79,690,500 | 4,638 |
| Average earning assets | $77,286,500 | 4,561 |
| Average equity | $11,494,250 | 4,272 |
| Average total loans | $64,427,000 | 4,119 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8297% | 808 |
| Cost of funding earning assets | 0.5114% | 2,079 |
| Net interest margin | 4.3183% | 817 |
| Noninterest income to average assets | 0.0802% | 5,575 |
| Noninterest expense to average assets | 2.7180% | 3,025 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0221% | 2,320 |
| Return on assets (ROA) | 1.0221% | 2,369 |
| Pretax return on assets | 1.5507% | 1,493 |
| Return on Equity (ROE) | 7.1652% | 3,470 |
| Retained earnings to average equity (ytd only) | 7.1652% | 1,511 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6737% | 3,727 |
| Assets per employee ($millions) | 6.1724% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2732% | 2,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 80.6894% | 854 |
| Net loans and leases to deposits | 94.5432% | 1,221 |
| Net loans and leases to core deposits | 100.6889% | 1,605 |
| Total domestic deposits to total assets | 85.3466% | 2,671 |
| Equity capital to assets | 14.4490% | 843 |
| Core capital (leverage) ratio | 14.1333% | 821 |
| Tier 1 risk-based capital ratio | 16.7111% | 2,235 |
| Total risk-based capital ratio | 17.9537% | 2,195 |
| Memoranda: |
| Average total assets | $79,837,330 | 4,667 |
| Average earning assets | $77,437,670 | 4,574 |
| Average equity | $11,388,330 | 4,296 |
| Average total loans | $63,801,000 | 4,153 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7944% | 755 |
| Cost of funding earning assets | 0.5126% | 1,987 |
| Net interest margin | 4.2819% | 827 |
| Noninterest income to average assets | 0.0804% | 5,644 |
| Noninterest expense to average assets | 2.6722% | 3,247 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0297% | 2,169 |
| Return on assets (ROA) | 1.0297% | 2,219 |
| Pretax return on assets | 1.5621% | 1,333 |
| Return on Equity (ROE) | 7.2660% | 3,286 |
| Retained earnings to average equity (ytd only) | 7.2660% | 1,761 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1079% | 3,972 |
| Assets per employee ($millions) | 6.2655% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3385% | 2,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 75.5660% | 1,486 |
| Net loans and leases to deposits | 88.1199% | 1,781 |
| Net loans and leases to core deposits | 93.7162% | 2,008 |
| Total domestic deposits to total assets | 85.7536% | 2,773 |
| Equity capital to assets | 13.9812% | 905 |
| Core capital (leverage) ratio | 14.2815% | 772 |
| Tier 1 risk-based capital ratio | 17.1689% | 2,127 |
| Total risk-based capital ratio | 18.4212% | 2,078 |
| Memoranda: |
| Average total assets | $79,635,500 | 4,721 |
| Average earning assets | $77,256,000 | 4,626 |
| Average equity | $11,285,500 | 4,337 |
| Average total loans | $62,911,000 | 4,211 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0974% | 501 |
| Cost of funding earning assets | 0.5498% | 1,692 |
| Net interest margin | 4.5476% | 557 |
| Noninterest income to average assets | 0.0812% | 5,693 |
| Noninterest expense to average assets | 2.7964% | 3,032 |
| Loan and lease loss provision to assets | 0.0956% | 2,451 |
| Net operating income to assets | 1.0609% | 2,084 |
| Return on assets (ROA) | 1.0609% | 2,187 |
| Pretax return on assets | 1.5875% | 1,326 |
| Return on Equity (ROE) | 7.5477% | 3,194 |
| Retained earnings to average equity (ytd only) | 7.5477% | 1,021 |
| Net charge-offs to loans | -0.1950% | 5,736 |
| Credit loss provision to net charge-offs | -61.8644% | 4,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4269% | 4,184 |
| Assets per employee ($millions) | 5.9861% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3163% | 2,454 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 80.4456% | 821 |
| Net loans and leases to deposits | 94.2347% | 1,175 |
| Net loans and leases to core deposits | 101.4356% | 1,492 |
| Total domestic deposits to total assets | 85.3673% | 2,894 |
| Equity capital to assets | 14.3705% | 774 |
| Core capital (leverage) ratio | 13.9687% | 825 |
| Tier 1 risk-based capital ratio | 16.6338% | 2,295 |
| Total risk-based capital ratio | 17.8869% | 2,236 |
| Memoranda: |
| Average total assets | $76,347,800 | 4,809 |
| Average earning assets | $73,841,400 | 4,719 |
| Average equity | $10,731,800 | 4,458 |
| Average total loans | $60,522,000 | 4,282 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9502% | 658 |
| Cost of funding earning assets | 0.5518% | 1,674 |
| Net interest margin | 4.3984% | 782 |
| Noninterest income to average assets | 0.0948% | 5,729 |
| Noninterest expense to average assets | 2.8445% | 2,846 |
| Loan and lease loss provision to assets | 0.1579% | 1,470 |
| Net operating income to assets | 0.8862% | 2,976 |
| Return on assets (ROA) | 0.8862% | 3,109 |
| Pretax return on assets | 1.3442% | 2,257 |
| Return on Equity (ROE) | 6.3407% | 3,908 |
| Retained earnings to average equity (ytd only) | 6.3407% | 1,989 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4421% | 3,681 |
| Assets per employee ($millions) | 5.3494% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2166% | 3,135 |
| Loan loss allowance to noncurrent loans | 214.6199% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.4567% | 3,592 |
| Noncurrent loans to loans | 0.5669% | 3,303 |
| Net loans and leases to total assets | 79.5770% | 949 |
| Net loans and leases to deposits | 93.3024% | 1,341 |
| Net loans and leases to core deposits | 100.7353% | 1,566 |
| Total domestic deposits to total assets | 85.2893% | 2,681 |
| Equity capital to assets | 14.5238% | 868 |
| Core capital (leverage) ratio | 13.7321% | 935 |
| Tier 1 risk-based capital ratio | 16.8704% | 2,271 |
| Total risk-based capital ratio | 18.0525% | 2,250 |
| Memoranda: |
| Average total assets | $75,980,000 | 4,847 |
| Average earning assets | $73,449,750 | 4,767 |
| Average equity | $10,619,000 | 4,515 |
| Average total loans | $59,793,250 | 4,332 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9351% | 663 |
| Cost of funding earning assets | 0.5559% | 1,654 |
| Net interest margin | 4.3792% | 792 |
| Noninterest income to average assets | 0.0917% | 5,808 |
| Noninterest expense to average assets | 2.8058% | 3,006 |
| Loan and lease loss provision to assets | 0.1965% | 1,100 |
| Net operating income to assets | 0.8698% | 3,008 |
| Return on assets (ROA) | 0.8698% | 3,122 |
| Pretax return on assets | 1.3204% | 2,326 |
| Return on Equity (ROE) | 6.3040% | 3,902 |
| Retained earnings to average equity (ytd only) | 6.3040% | 1,960 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9091% | 3,862 |
| Assets per employee ($millions) | 5.6288% | 1,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1802% | 3,464 |
| Loan loss allowance to noncurrent loans | 198.0716% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4606% | 3,673 |
| Noncurrent loans to loans | 0.5959% | 3,280 |
| Net loans and leases to total assets | 76.3956% | 1,429 |
| Net loans and leases to deposits | 88.5897% | 1,909 |
| Net loans and leases to core deposits | 95.9471% | 1,977 |
| Total domestic deposits to total assets | 86.2353% | 2,307 |
| Equity capital to assets | 13.5820% | 1,190 |
| Core capital (leverage) ratio | 13.1483% | 1,101 |
| Tier 1 risk-based capital ratio | 16.3488% | 2,485 |
| Total risk-based capital ratio | 17.4998% | 2,471 |
| Memoranda: |
| Average total assets | $76,343,000 | 4,887 |
| Average earning assets | $73,758,000 | 4,808 |
| Average equity | $10,533,000 | 4,560 |
| Average total loans | $59,614,330 | 4,364 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8909% | 705 |
| Cost of funding earning assets | 0.5686% | 1,553 |
| Net interest margin | 4.3224% | 890 |
| Noninterest income to average assets | 0.1012% | 5,819 |
| Noninterest expense to average assets | 2.7905% | 3,105 |
| Loan and lease loss provision to assets | 0.2130% | 912 |
| Net operating income to assets | 0.8361% | 3,057 |
| Return on assets (ROA) | 0.8361% | 3,186 |
| Pretax return on assets | 1.2674% | 2,437 |
| Return on Equity (ROE) | 6.0107% | 3,980 |
| Retained earnings to average equity (ytd only) | 6.0107% | 2,367 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3367% | 3,912 |
| Assets per employee ($millions) | 6.0607% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1208% | 3,940 |
| Loan loss allowance to noncurrent loans | 179.0576% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.4848% | 3,661 |
| Noncurrent loans to loans | 0.6259% | 3,296 |
| Net loans and leases to total assets | 76.5894% | 1,307 |
| Net loans and leases to deposits | 88.5511% | 1,759 |
| Net loans and leases to core deposits | 94.0040% | 1,987 |
| Total domestic deposits to total assets | 86.4918% | 2,447 |
| Equity capital to assets | 13.3610% | 1,240 |
| Core capital (leverage) ratio | 13.1983% | 1,083 |
| Tier 1 risk-based capital ratio | 16.0043% | 2,681 |
| Total risk-based capital ratio | 17.1051% | 2,689 |
| Memoranda: |
| Average total assets | $75,113,000 | 4,954 |
| Average earning assets | $72,460,500 | 4,867 |
| Average equity | $10,448,000 | 4,589 |
| Average total loans | $58,961,000 | 4,410 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8867% | 791 |
| Cost of funding earning assets | 0.5141% | 2,035 |
| Net interest margin | 4.3727% | 841 |
| Noninterest income to average assets | 0.1085% | 5,849 |
| Noninterest expense to average assets | 3.3241% | 1,662 |
| Loan and lease loss provision to assets | 0.1860% | 1,202 |
| Net operating income to assets | 0.6580% | 4,005 |
| Return on assets (ROA) | 0.6580% | 4,094 |
| Pretax return on assets | 0.7694% | 4,303 |
| Return on Equity (ROE) | 4.6153% | 4,694 |
| Retained earnings to average equity (ytd only) | 4.6153% | 2,699 |
| Net charge-offs to loans | 0.2304% | 1,291 |
| Credit loss provision to net charge-offs | 108.1967% | 2,332 |
| Earnings coverage of net charge-offs (x) | 5.5574% | 3,368 |
| Efficiency ratio | 77.6753% | 2,016 |
| Assets per employee ($millions) | 5.4952% | 1,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1319% | 3,857 |
| Loan loss allowance to noncurrent loans | 161.8090% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.5571% | 3,427 |
| Noncurrent loans to loans | 0.6995% | 3,100 |
| Net loans and leases to total assets | 78.7407% | 1,024 |
| Net loans and leases to deposits | 92.2948% | 1,369 |
| Net loans and leases to core deposits | 97.9180% | 1,679 |
| Total domestic deposits to total assets | 85.3143% | 2,943 |
| Equity capital to assets | 14.5149% | 768 |
| Core capital (leverage) ratio | 13.6185% | 931 |
| Tier 1 risk-based capital ratio | 16.7648% | 2,371 |
| Total risk-based capital ratio | 17.8776% | 2,376 |
| Memoranda: |
| Average total assets | $70,967,400 | 5,069 |
| Average earning assets | $67,693,400 | 4,991 |
| Average equity | $10,118,600 | 4,644 |
| Average total loans | $52,942,600 | 4,581 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8098% | 914 |
| Cost of funding earning assets | 0.5061% | 2,159 |
| Net interest margin | 4.3037% | 949 |
| Noninterest income to average assets | 0.1091% | 5,918 |
| Noninterest expense to average assets | 3.3347% | 1,611 |
| Loan and lease loss provision to assets | 0.2108% | 927 |
| Net operating income to assets | 0.6605% | 4,078 |
| Return on assets (ROA) | 0.6605% | 4,193 |
| Pretax return on assets | 0.6605% | 4,804 |
| Return on Equity (ROE) | 4.6538% | 4,775 |
| Retained earnings to average equity (ytd only) | 4.6538% | 3,165 |
| Net charge-offs to loans | 0.3131% | 851 |
| Credit loss provision to net charge-offs | 91.8033% | 2,445 |
| Earnings coverage of net charge-offs (x) | 3.7952% | 3,453 |
| Efficiency ratio | 79.2841% | 1,758 |
| Assets per employee ($millions) | 4.8255% | 2,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1161% | 4,136 |
| Loan loss allowance to noncurrent loans | 150.7246% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.5720% | 3,576 |
| Noncurrent loans to loans | 0.7405% | 3,111 |
| Net loans and leases to total assets | 76.3784% | 1,335 |
| Net loans and leases to deposits | 89.1162% | 1,756 |
| Net loans and leases to core deposits | 94.0365% | 2,071 |
| Total domestic deposits to total assets | 85.7066% | 2,688 |
| Equity capital to assets | 14.1635% | 956 |
| Core capital (leverage) ratio | 13.0568% | 1,183 |
| Tier 1 risk-based capital ratio | 16.7419% | 2,462 |
| Total risk-based capital ratio | 17.8409% | 2,488 |
| Memoranda: |
| Average total assets | $70,850,000 | 5,131 |
| Average earning assets | $67,444,250 | 5,059 |
| Average equity | $10,056,000 | 4,712 |
| Average total loans | $51,954,750 | 4,664 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7063% | 1,056 |
| Cost of funding earning assets | 0.5039% | 2,212 |
| Net interest margin | 4.2024% | 1,106 |
| Noninterest income to average assets | 0.1109% | 5,988 |
| Noninterest expense to average assets | 3.3921% | 1,483 |
| Loan and lease loss provision to assets | 0.1422% | 1,536 |
| Net operating income to assets | 0.5601% | 4,521 |
| Return on assets (ROA) | 0.5601% | 4,625 |
| Pretax return on assets | 0.5601% | 5,074 |
| Return on Equity (ROE) | 3.9437% | 5,037 |
| Retained earnings to average equity (ytd only) | 3.9437% | 3,500 |
| Net charge-offs to loans | 0.4819% | 524 |
| Credit loss provision to net charge-offs | 40.9836% | 2,799 |
| Earnings coverage of net charge-offs (x) | 2.0246% | 3,418 |
| Efficiency ratio | 82.8472% | 1,393 |
| Assets per employee ($millions) | 4.5879% | 2,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0884% | 4,388 |
| Loan loss allowance to noncurrent loans | 131.0023% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.5844% | 3,661 |
| Noncurrent loans to loans | 0.8308% | 3,045 |
| Net loans and leases to total assets | 69.5737% | 2,388 |
| Net loans and leases to deposits | 80.7731% | 2,685 |
| Net loans and leases to core deposits | 85.1498% | 2,863 |
| Total domestic deposits to total assets | 86.1348% | 2,616 |
| Equity capital to assets | 13.7548% | 1,075 |
| Core capital (leverage) ratio | 12.6478% | 1,316 |
| Tier 1 risk-based capital ratio | 17.8291% | 2,120 |
| Total risk-based capital ratio | 18.9013% | 2,122 |
| Memoranda: |
| Average total assets | $70,339,000 | 5,203 |
| Average earning assets | $66,676,330 | 5,138 |
| Average equity | $9,990,670 | 4,755 |
| Average total loans | $50,636,670 | 4,729 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6647% | 1,102 |
| Cost of funding earning assets | 0.5094% | 2,208 |
| Net interest margin | 4.1553% | 1,159 |
| Noninterest income to average assets | 0.0930% | 6,112 |
| Noninterest expense to average assets | 3.4939% | 1,326 |
| Loan and lease loss provision to assets | 0.0756% | 2,443 |
| Net operating income to assets | 0.4593% | 4,834 |
| Return on assets (ROA) | 0.4593% | 4,952 |
| Pretax return on assets | 0.4593% | 5,287 |
| Return on Equity (ROE) | 3.1799% | 5,308 |
| Retained earnings to average equity (ytd only) | 3.1799% | 4,078 |
| Net charge-offs to loans | 0.9733% | 243 |
| Credit loss provision to net charge-offs | 10.6557% | 2,429 |
| Earnings coverage of net charge-offs (x) | 0.7541% | 3,015 |
| Efficiency ratio | 86.7244% | 1,116 |
| Assets per employee ($millions) | 4.5972% | 2,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0503% | 4,760 |
| Loan loss allowance to noncurrent loans | 41.4038% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 1.8388% | 1,328 |
| Noncurrent loans to loans | 2.5367% | 954 |
| Net loans and leases to total assets | 71.7263% | 1,852 |
| Net loans and leases to deposits | 84.0145% | 2,074 |
| Net loans and leases to core deposits | 89.2717% | 2,204 |
| Total domestic deposits to total assets | 85.3737% | 3,236 |
| Equity capital to assets | 14.4697% | 843 |
| Core capital (leverage) ratio | 13.9256% | 849 |
| Tier 1 risk-based capital ratio | 18.1788% | 2,087 |
| Total risk-based capital ratio | 19.2058% | 2,105 |
| Memoranda: |
| Average total assets | $68,805,000 | 5,290 |
| Average earning assets | $65,170,500 | 5,229 |
| Average equity | $9,937,500 | 4,796 |
| Average total loans | $50,138,000 | 4,782 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9018% | 921 |
| Cost of funding earning assets | 0.5113% | 2,563 |
| Net interest margin | 4.3905% | 900 |
| Noninterest income to average assets | 0.1155% | 6,103 |
| Noninterest expense to average assets | 3.3145% | 1,895 |
| Loan and lease loss provision to assets | 0.1960% | 1,303 |
| Net operating income to assets | 0.7811% | 3,466 |
| Return on assets (ROA) | 0.7811% | 3,553 |
| Pretax return on assets | 0.7811% | 4,329 |
| Return on Equity (ROE) | 5.3429% | 4,490 |
| Retained earnings to average equity (ytd only) | 5.3429% | 2,375 |
| Net charge-offs to loans | -0.0339% | 5,823 |
| Credit loss provision to net charge-offs | -806.2500% | 5,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2309% | 2,325 |
| Assets per employee ($millions) | 4.5768% | 2,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2607% | 3,661 |
| Loan loss allowance to noncurrent loans | 139.6476% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.6613% | 3,592 |
| Noncurrent loans to loans | 0.9028% | 3,059 |
| Net loans and leases to total assets | 72.3300% | 1,855 |
| Net loans and leases to deposits | 84.6606% | 2,144 |
| Net loans and leases to core deposits | 89.9516% | 2,292 |
| Total domestic deposits to total assets | 85.4352% | 3,111 |
| Equity capital to assets | 14.4162% | 835 |
| Core capital (leverage) ratio | 13.1719% | 1,074 |
| Tier 1 risk-based capital ratio | 17.6604% | 2,258 |
| Total risk-based capital ratio | 18.8758% | 2,241 |
| Memoranda: |
| Average total assets | $65,802,200 | 5,402 |
| Average earning assets | $62,589,400 | 5,322 |
| Average equity | $9,620,200 | 4,836 |
| Average total loans | $47,191,400 | 4,910 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6776% | 1,363 |
| Cost of funding earning assets | 0.4972% | 2,794 |
| Net interest margin | 4.1803% | 1,350 |
| Noninterest income to average assets | 0.1147% | 6,187 |
| Noninterest expense to average assets | 3.2324% | 2,082 |
| Loan and lease loss provision to assets | 0.2438% | 897 |
| Net operating income to assets | 0.6166% | 4,368 |
| Return on assets (ROA) | 0.6166% | 4,462 |
| Pretax return on assets | 0.6166% | 4,977 |
| Return on Equity (ROE) | 4.2019% | 5,083 |
| Retained earnings to average equity (ytd only) | 4.2019% | 3,659 |
| Net charge-offs to loans | 0.3390% | 1,184 |
| Credit loss provision to net charge-offs | 100.8475% | 2,189 |
| Earnings coverage of net charge-offs (x) | 3.5593% | 3,637 |
| Efficiency ratio | 78.9790% | 2,059 |
| Assets per employee ($millions) | 4.8283% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9728% | 5,330 |
| Loan loss allowance to noncurrent loans | 45.6664% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 1.4815% | 2,079 |
| Noncurrent loans to loans | 2.1302% | 1,458 |
| Net loans and leases to total assets | 68.8726% | 2,393 |
| Net loans and leases to deposits | 79.6058% | 2,758 |
| Net loans and leases to core deposits | 87.4952% | 2,481 |
| Total domestic deposits to total assets | 86.5171% | 2,579 |
| Equity capital to assets | 13.3697% | 1,251 |
| Core capital (leverage) ratio | 12.6130% | 1,342 |
| Tier 1 risk-based capital ratio | 17.3449% | 2,453 |
| Total risk-based capital ratio | 18.2894% | 2,556 |
| Memoranda: |
| Average total assets | $65,089,750 | 5,481 |
| Average earning assets | $61,939,250 | 5,405 |
| Average equity | $9,551,000 | 4,888 |
| Average total loans | $46,416,750 | 4,988 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7461% | 1,189 |
| Cost of funding earning assets | 0.4709% | 3,102 |
| Net interest margin | 4.2752% | 1,079 |
| Noninterest income to average assets | 0.1149% | 6,221 |
| Noninterest expense to average assets | 3.2182% | 2,133 |
| Loan and lease loss provision to assets | 0.2650% | 786 |
| Net operating income to assets | 0.6896% | 3,898 |
| Return on assets (ROA) | 0.6896% | 3,988 |
| Pretax return on assets | 0.6896% | 4,675 |
| Return on Equity (ROE) | 4.5440% | 4,893 |
| Retained earnings to average equity (ytd only) | 4.5440% | 3,282 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1232% | 2,436 |
| Assets per employee ($millions) | 4.6447% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2417% | 4,208 |
| Loan loss allowance to noncurrent loans | 92.4071% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 0.8885% | 3,327 |
| Noncurrent loans to loans | 1.3437% | 2,562 |
| Net loans and leases to total assets | 65.2983% | 2,864 |
| Net loans and leases to deposits | 75.8183% | 3,079 |
| Net loans and leases to core deposits | 82.1859% | 2,951 |
| Total domestic deposits to total assets | 86.1248% | 2,981 |
| Equity capital to assets | 13.7733% | 1,060 |
| Core capital (leverage) ratio | 13.3241% | 1,041 |
| Tier 1 risk-based capital ratio | 18.5995% | 2,038 |
| Total risk-based capital ratio | 19.7934% | 2,008 |
| Memoranda: |
| Average total assets | $62,644,670 | 5,595 |
| Average earning assets | $59,459,330 | 5,519 |
| Average equity | $9,507,000 | 4,906 |
| Average total loans | $45,098,670 | 5,072 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9697% | 763 |
| Cost of funding earning assets | 0.4343% | 3,605 |
| Net interest margin | 4.5354% | 616 |
| Noninterest income to average assets | 0.1353% | 6,169 |
| Noninterest expense to average assets | 2.9899% | 2,898 |
| Loan and lease loss provision to assets | 0.3247% | 563 |
| Net operating income to assets | 1.1297% | 1,699 |
| Return on assets (ROA) | 1.1297% | 1,765 |
| Pretax return on assets | 1.1297% | 2,775 |
| Return on Equity (ROE) | 7.0594% | 3,447 |
| Retained earnings to average equity (ytd only) | 7.0594% | 2,019 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2755% | 4,319 |
| Assets per employee ($millions) | 4.3363% | 3,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1835% | 4,718 |
| Loan loss allowance to noncurrent loans | 85.5096% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.0345% | 3,185 |
| Noncurrent loans to loans | 1.3841% | 2,713 |
| Net loans and leases to total assets | 73.8535% | 1,296 |
| Net loans and leases to deposits | 87.7414% | 1,384 |
| Net loans and leases to core deposits | 93.2955% | 1,610 |
| Total domestic deposits to total assets | 84.1718% | 4,219 |
| Equity capital to assets | 15.7261% | 562 |
| Core capital (leverage) ratio | 15.5335% | 534 |
| Tier 1 risk-based capital ratio | 18.8485% | 2,013 |
| Total risk-based capital ratio | 19.9949% | 2,005 |
| Memoranda: |
| Average total assets | $59,131,500 | 5,735 |
| Average earning assets | $56,180,000 | 5,660 |
| Average equity | $9,462,500 | 4,946 |
| Average total loans | $44,615,000 | 5,139 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0443% | 842 |
| Cost of funding earning assets | 0.4257% | 4,373 |
| Net interest margin | 4.6186% | 590 |
| Noninterest income to average assets | 0.1331% | 6,266 |
| Noninterest expense to average assets | 3.5744% | 1,495 |
| Loan and lease loss provision to assets | 0.8709% | 231 |
| Net operating income to assets | 0.2848% | 5,573 |
| Return on assets (ROA) | 0.2848% | 5,670 |
| Pretax return on assets | 0.1017% | 6,088 |
| Return on Equity (ROE) | 1.7224% | 5,926 |
| Retained earnings to average equity (ytd only) | 1.7224% | 5,012 |
| Net charge-offs to loans | 1.7225% | 249 |
| Credit loss provision to net charge-offs | 67.3820% | 3,376 |
| Earnings coverage of net charge-offs (x) | 0.7525% | 4,840 |
| Efficiency ratio | 78.6092% | 2,372 |
| Assets per employee ($millions) | 5.2323% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1150% | 5,075 |
| Loan loss allowance to noncurrent loans | 76.7661% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 1.1068% | 3,194 |
| Noncurrent loans to loans | 1.4524% | 2,714 |
| Net loans and leases to total assets | 75.3523% | 1,173 |
| Net loans and leases to deposits | 90.1418% | 1,229 |
| Net loans and leases to core deposits | 94.0555% | 1,600 |
| Total domestic deposits to total assets | 83.5931% | 4,324 |
| Equity capital to assets | 16.2940% | 484 |
| Core capital (leverage) ratio | 16.1778% | 451 |
| Tier 1 risk-based capital ratio | 19.2187% | 1,859 |
| Total risk-based capital ratio | 20.3175% | 1,859 |
| Memoranda: |
| Average total assets | $54,079,400 | 5,914 |
| Average earning assets | $51,682,000 | 5,842 |
| Average equity | $8,941,200 | 5,094 |
| Average total loans | $40,579,800 | 5,323 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0738% | 813 |
| Cost of funding earning assets | 0.4296% | 4,511 |
| Net interest margin | 4.6442% | 569 |
| Noninterest income to average assets | 0.1328% | 6,359 |
| Noninterest expense to average assets | 3.7059% | 1,238 |
| Loan and lease loss provision to assets | 1.3656% | 94 |
| Net operating income to assets | -0.4961% | 6,598 |
| Return on assets (ROA) | -0.4961% | 6,611 |
| Pretax return on assets | -0.4961% | 6,597 |
| Return on Equity (ROE) | -2.9890% | 6,521 |
| Retained earnings to average equity (ytd only) | -2.9890% | 6,352 |
| Net charge-offs to loans | 2.7263% | 100 |
| Credit loss provision to net charge-offs | 67.0357% | 3,130 |
| Earnings coverage of net charge-offs (x) | 0.4268% | 4,720 |
| Efficiency ratio | 80.9967% | 1,970 |
| Assets per employee ($millions) | 4.9095% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0994% | 5,333 |
| Loan loss allowance to noncurrent loans | 69.5046% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 1.1962% | 3,263 |
| Noncurrent loans to loans | 1.5817% | 2,795 |
| Net loans and leases to total assets | 74.7931% | 1,159 |
| Net loans and leases to deposits | 89.8858% | 1,180 |
| Net loans and leases to core deposits | 94.0749% | 1,568 |
| Total domestic deposits to total assets | 83.2090% | 4,495 |
| Equity capital to assets | 16.6836% | 453 |
| Core capital (leverage) ratio | 16.2128% | 466 |
| Tier 1 risk-based capital ratio | 19.8212% | 1,776 |
| Total risk-based capital ratio | 20.8964% | 1,790 |
| Memoranda: |
| Average total assets | $53,210,500 | 6,003 |
| Average earning assets | $50,900,500 | 5,930 |
| Average equity | $8,832,000 | 5,183 |
| Average total loans | $39,760,250 | 5,406 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0763% | 809 |
| Cost of funding earning assets | 0.4250% | 4,710 |
| Net interest margin | 4.6513% | 554 |
| Noninterest income to average assets | 0.1360% | 6,374 |
| Noninterest expense to average assets | 3.7775% | 1,127 |
| Loan and lease loss provision to assets | 1.9643% | 53 |
| Net operating income to assets | -1.1408% | 6,773 |
| Return on assets (ROA) | -1.1408% | 6,776 |
| Pretax return on assets | -1.1408% | 6,758 |
| Return on Equity (ROE) | -6.8850% | 6,683 |
| Retained earnings to average equity (ytd only) | -6.8850% | 6,561 |
| Net charge-offs to loans | 4.1269% | 51 |
| Credit loss provision to net charge-offs | 63.9606% | 2,947 |
| Earnings coverage of net charge-offs (x) | 0.2681% | 4,457 |
| Efficiency ratio | 82.1018% | 1,874 |
| Assets per employee ($millions) | 4.8759% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1015% | 5,437 |
| Loan loss allowance to noncurrent loans | 64.7328% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 1.2212% | 3,313 |
| Noncurrent loans to loans | 1.7017% | 2,760 |
| Net loans and leases to total assets | 70.9760% | 1,723 |
| Net loans and leases to deposits | 85.2300% | 1,655 |
| Net loans and leases to core deposits | 89.7555% | 1,928 |
| Total domestic deposits to total assets | 83.2758% | 4,598 |
| Equity capital to assets | 16.5787% | 461 |
| Core capital (leverage) ratio | 16.4694% | 418 |
| Tier 1 risk-based capital ratio | 20.9974% | 1,493 |
| Total risk-based capital ratio | 22.0894% | 1,502 |
| Memoranda: |
| Average total assets | $52,945,670 | 6,054 |
| Average earning assets | $50,824,670 | 5,971 |
| Average equity | $8,772,670 | 5,226 |
| Average total loans | $39,400,000 | 5,447 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1676% | 653 |
| Cost of funding earning assets | 0.4353% | 4,751 |
| Net interest margin | 4.7324% | 450 |
| Noninterest income to average assets | 0.1369% | 6,415 |
| Noninterest expense to average assets | 3.8859% | 1,012 |
| Loan and lease loss provision to assets | 0.1521% | 2,347 |
| Net operating income to assets | 0.6464% | 3,981 |
| Return on assets (ROA) | 0.6464% | 4,138 |
| Pretax return on assets | 0.6464% | 4,788 |
| Return on Equity (ROE) | 3.9022% | 5,142 |
| Retained earnings to average equity (ytd only) | 3.9022% | 3,892 |
| Net charge-offs to loans | 2.2081% | 204 |
| Credit loss provision to net charge-offs | 9.0909% | 3,155 |
| Earnings coverage of net charge-offs (x) | 0.4773% | 3,661 |
| Efficiency ratio | 82.9545% | 1,893 |
| Assets per employee ($millions) | 4.6226% | 2,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3039% | 4,674 |
| Loan loss allowance to noncurrent loans | 41.0175% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 2.4740% | 1,863 |
| Noncurrent loans to loans | 3.1789% | 1,554 |
| Net loans and leases to total assets | 76.8117% | 736 |
| Net loans and leases to deposits | 92.9775% | 732 |
| Net loans and leases to core deposits | 97.5085% | 1,116 |
| Total domestic deposits to total assets | 82.6132% | 4,984 |
| Equity capital to assets | 17.2353% | 403 |
| Core capital (leverage) ratio | 15.7859% | 482 |
| Tier 1 risk-based capital ratio | 19.9634% | 1,782 |
| Total risk-based capital ratio | 21.2131% | 1,750 |
| Memoranda: |
| Average total assets | $52,601,000 | 6,109 |
| Average earning assets | $50,545,500 | 6,030 |
| Average equity | $8,713,000 | 5,298 |
| Average total loans | $39,854,000 | 5,469 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7326% | 2,459 |
| Cost of funding earning assets | 0.5407% | 4,898 |
| Net interest margin | 4.1919% | 1,686 |
| Noninterest income to average assets | 0.2679% | 5,537 |
| Noninterest expense to average assets | 3.8933% | 1,106 |
| Loan and lease loss provision to assets | 0.9275% | 475 |
| Net operating income to assets | -0.5421% | 6,592 |
| Return on assets (ROA) | -0.5421% | 6,624 |
| Pretax return on assets | -0.5421% | 6,590 |
| Return on Equity (ROE) | -3.0020% | 6,499 |
| Retained earnings to average equity (ytd only) | -3.0020% | 6,266 |
| Net charge-offs to loans | 0.4191% | 2,564 |
| Credit loss provision to net charge-offs | 335.8209% | 723 |
| Earnings coverage of net charge-offs (x) | 1.3955% | 4,757 |
| Efficiency ratio | 90.9923% | 992 |
| Assets per employee ($millions) | 4.9412% | 2,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7865% | 2,631 |
| Loan loss allowance to noncurrent loans | 106.8554% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 1.2345% | 3,590 |
| Noncurrent loans to loans | 1.6719% | 3,116 |
| Net loans and leases to total assets | 72.5204% | 1,419 |
| Net loans and leases to deposits | 86.4048% | 1,462 |
| Net loans and leases to core deposits | 89.7411% | 1,865 |
| Total domestic deposits to total assets | 83.9310% | 4,349 |
| Equity capital to assets | 15.9366% | 564 |
| Core capital (leverage) ratio | 15.4277% | 517 |
| Tier 1 risk-based capital ratio | 19.6664% | 1,769 |
| Total risk-based capital ratio | 20.9228% | 1,736 |
| Memoranda: |
| Average total assets | $48,519,000 | 6,253 |
| Average earning assets | $46,422,400 | 6,168 |
| Average equity | $8,760,800 | 5,282 |
| Average total loans | $31,971,800 | 5,856 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6238% | 3,118 |
| Cost of funding earning assets | 0.5572% | 5,025 |
| Net interest margin | 4.0666% | 2,221 |
| Noninterest income to average assets | 0.3003% | 5,377 |
| Noninterest expense to average assets | 4.0769% | 857 |
| Loan and lease loss provision to assets | 0.4505% | 1,392 |
| Net operating income to assets | -0.3400% | 6,607 |
| Return on assets (ROA) | -0.3400% | 6,658 |
| Pretax return on assets | -0.3400% | 6,623 |
| Return on Equity (ROE) | -1.8212% | 6,554 |
| Retained earnings to average equity (ytd only) | -1.8212% | 6,374 |
| Net charge-offs to loans | 0.5969% | 1,841 |
| Credit loss provision to net charge-offs | 118.6567% | 2,443 |
| Earnings coverage of net charge-offs (x) | 0.2911% | 5,182 |
| Efficiency ratio | 97.3613% | 624 |
| Assets per employee ($millions) | 4.8331% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2612% | 5,000 |
| Loan loss allowance to noncurrent loans | 62.3719% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 1.2847% | 3,722 |
| Noncurrent loans to loans | 2.0220% | 2,822 |
| Net loans and leases to total assets | 62.7342% | 3,256 |
| Net loans and leases to deposits | 75.3071% | 3,091 |
| Net loans and leases to core deposits | 78.7886% | 3,353 |
| Total domestic deposits to total assets | 83.3045% | 4,519 |
| Equity capital to assets | 16.5168% | 525 |
| Core capital (leverage) ratio | 16.7992% | 392 |
| Tier 1 risk-based capital ratio | 23.3764% | 1,115 |
| Total risk-based capital ratio | 24.6257% | 1,096 |
| Memoranda: |
| Average total assets | $47,060,500 | 6,364 |
| Average earning assets | $44,983,250 | 6,279 |
| Average equity | $8,785,500 | 5,329 |
| Average total loans | $29,931,250 | 6,023 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5995% | 3,363 |
| Cost of funding earning assets | 0.5633% | 5,200 |
| Net interest margin | 4.0362% | 2,358 |
| Noninterest income to average assets | 0.2843% | 5,540 |
| Noninterest expense to average assets | 4.2065% | 722 |
| Loan and lease loss provision to assets | 0.7063% | 767 |
| Net operating income to assets | -0.7773% | 6,850 |
| Return on assets (ROA) | -0.7773% | 6,874 |
| Pretax return on assets | -0.7773% | 6,844 |
| Return on Equity (ROE) | -3.9832% | 6,723 |
| Retained earnings to average equity (ytd only) | -3.9832% | 6,547 |
| Net charge-offs to loans | 0.9355% | 1,180 |
| Credit loss provision to net charge-offs | 118.6567% | 2,320 |
| Earnings coverage of net charge-offs (x) | -0.1194% | 5,132 |
| Efficiency ratio | 101.7186% | 505 |
| Assets per employee ($millions) | 4.4016% | 3,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4632% | 4,190 |
| Loan loss allowance to noncurrent loans | 61.7391% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 1.4251% | 3,586 |
| Noncurrent loans to loans | 2.3699% | 2,535 |
| Net loans and leases to total assets | 59.2528% | 3,950 |
| Net loans and leases to deposits | 72.4561% | 3,545 |
| Net loans and leases to core deposits | 76.6901% | 3,695 |
| Total domestic deposits to total assets | 81.7774% | 5,207 |
| Equity capital to assets | 17.9727% | 347 |
| Core capital (leverage) ratio | 17.5434% | 322 |
| Tier 1 risk-based capital ratio | 26.8393% | 736 |
| Total risk-based capital ratio | 28.0925% | 723 |
| Memoranda: |
| Average total assets | $45,026,000 | 6,467 |
| Average earning assets | $42,961,330 | 6,382 |
| Average equity | $8,787,000 | 5,325 |
| Average total loans | $28,649,000 | 6,128 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7668% | 2,777 |
| Cost of funding earning assets | 0.5608% | 5,427 |
| Net interest margin | 4.2060% | 1,743 |
| Noninterest income to average assets | 0.2862% | 5,583 |
| Noninterest expense to average assets | 4.2926% | 671 |
| Loan and lease loss provision to assets | 0.2216% | 2,737 |
| Net operating income to assets | -0.2123% | 6,650 |
| Return on assets (ROA) | -0.2123% | 6,695 |
| Pretax return on assets | -0.2123% | 6,671 |
| Return on Equity (ROE) | -1.0420% | 6,629 |
| Retained earnings to average equity (ytd only) | -1.0420% | 6,160 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7854% | 559 |
| Assets per employee ($millions) | 4.0757% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4481% | 4,384 |
| Loan loss allowance to noncurrent loans | 50.4762% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 1.8736% | 3,085 |
| Noncurrent loans to loans | 2.8690% | 2,250 |
| Net loans and leases to total assets | 64.3611% | 2,794 |
| Net loans and leases to deposits | 80.3984% | 2,154 |
| Net loans and leases to core deposits | 84.5469% | 2,472 |
| Total domestic deposits to total assets | 80.0526% | 5,840 |
| Equity capital to assets | 19.6953% | 234 |
| Core capital (leverage) ratio | 19.6006% | 216 |
| Tier 1 risk-based capital ratio | 27.3475% | 699 |
| Total risk-based capital ratio | 28.6013% | 680 |
| Memoranda: |
| Average total assets | $43,330,000 | 6,553 |
| Average earning assets | $41,369,500 | 6,478 |
| Average equity | $8,829,500 | 5,331 |
| Average total loans | $28,416,000 | 6,185 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1288% | 6,223 |
| Cost of funding earning assets | 0.6534% | 5,806 |
| Net interest margin | 3.4755% | 5,237 |
| Noninterest income to average assets | 0.3134% | 5,304 |
| Noninterest expense to average assets | 4.2990% | 720 |
| Loan and lease loss provision to assets | 0.2926% | 3,318 |
| Net operating income to assets | -0.9582% | 6,721 |
| Return on assets (ROA) | -0.9582% | 6,749 |
| Pretax return on assets | -0.9582% | 6,712 |
| Return on Equity (ROE) | -4.1336% | 6,478 |
| Retained earnings to average equity (ytd only) | -4.1336% | 6,380 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.3179% | 319 |
| Assets per employee ($millions) | 4.6474% | 2,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4517% | 4,226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 64.9174% | 3,004 |
| Net loans and leases to deposits | 82.4918% | 2,133 |
| Net loans and leases to core deposits | 85.7698% | 2,663 |
| Total domestic deposits to total assets | 78.6956% | 6,056 |
| Equity capital to assets | 21.1084% | 185 |
| Core capital (leverage) ratio | 20.3979% | 186 |
| Tier 1 risk-based capital ratio | 28.7628% | 576 |
| Total risk-based capital ratio | 30.0154% | 565 |
| Memoranda: |
| Average total assets | $38,613,200 | 6,718 |
| Average earning assets | $36,886,800 | 6,645 |
| Average equity | $8,951,000 | 5,292 |
| Average total loans | $20,185,800 | 6,653 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8860% | 6,748 |
| Cost of funding earning assets | 0.6901% | 5,827 |
| Net interest margin | 3.1959% | 6,168 |
| Noninterest income to average assets | 0.2997% | 5,467 |
| Noninterest expense to average assets | 4.3021% | 711 |
| Loan and lease loss provision to assets | 0.1164% | 4,978 |
| Net operating income to assets | -1.0650% | 6,911 |
| Return on assets (ROA) | -1.0650% | 6,938 |
| Pretax return on assets | -1.0650% | 6,895 |
| Return on Equity (ROE) | -4.4832% | 6,654 |
| Retained earnings to average equity (ytd only) | -4.4832% | 6,559 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.2860% | 238 |
| Assets per employee ($millions) | 3.9709% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4903% | 4,148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 53.4337% | 5,255 |
| Net loans and leases to deposits | 68.9770% | 4,452 |
| Net loans and leases to core deposits | 71.9084% | 4,726 |
| Total domestic deposits to total assets | 77.4661% | 6,308 |
| Equity capital to assets | 22.3476% | 160 |
| Core capital (leverage) ratio | 21.3629% | 165 |
| Tier 1 risk-based capital ratio | 36.5138% | 312 |
| Total risk-based capital ratio | 37.7693% | 308 |
| Memoranda: |
| Average total assets | $37,809,750 | 6,806 |
| Average earning assets | $36,128,250 | 6,730 |
| Average equity | $8,981,500 | 5,312 |
| Average total loans | $18,344,000 | 6,803 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7171% | 7,001 |
| Cost of funding earning assets | 0.7131% | 5,880 |
| Net interest margin | 3.0040% | 6,600 |
| Noninterest income to average assets | 0.2636% | 5,765 |
| Noninterest expense to average assets | 4.3253% | 728 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -1.1835% | 6,999 |
| Return on assets (ROA) | -1.1835% | 7,009 |
| Pretax return on assets | -1.1835% | 6,960 |
| Return on Equity (ROE) | -4.8795% | 6,708 |
| Retained earnings to average equity (ytd only) | -4.8795% | 6,559 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.6712% | 211 |
| Assets per employee ($millions) | 4.8551% | 2,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6166% | 3,632 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 44.9679% | 6,356 |
| Net loans and leases to deposits | 58.6245% | 5,865 |
| Net loans and leases to core deposits | 61.1876% | 5,976 |
| Total domestic deposits to total assets | 76.7050% | 6,494 |
| Equity capital to assets | 22.9989% | 153 |
| Core capital (leverage) ratio | 22.6448% | 144 |
| Tier 1 risk-based capital ratio | 39.5415% | 252 |
| Total risk-based capital ratio | 40.7920% | 249 |
| Memoranda: |
| Average total assets | $37,176,670 | 6,882 |
| Average earning assets | $35,619,330 | 6,813 |
| Average equity | $9,017,330 | 5,324 |
| Average total loans | $17,279,000 | 6,928 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7209% | 7,049 |
| Cost of funding earning assets | 0.7235% | 6,009 |
| Net interest margin | 2.9974% | 6,578 |
| Noninterest income to average assets | 0.1981% | 6,303 |
| Noninterest expense to average assets | 4.3693% | 678 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.2987% | 7,134 |
| Return on assets (ROA) | -1.2987% | 7,139 |
| Pretax return on assets | -1.2987% | 7,098 |
| Return on Equity (ROE) | -5.2100% | 6,820 |
| Retained earnings to average equity (ytd only) | -5.2100% | 6,536 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.2939% | 205 |
| Assets per employee ($millions) | 4.5633% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6658% | 3,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 46.4088% | 6,249 |
| Net loans and leases to deposits | 61.8524% | 5,519 |
| Net loans and leases to core deposits | 64.8051% | 5,638 |
| Total domestic deposits to total assets | 75.0315% | 6,784 |
| Equity capital to assets | 24.6864% | 124 |
| Core capital (leverage) ratio | 23.5799% | 128 |
| Tier 1 risk-based capital ratio | 43.8861% | 188 |
| Total risk-based capital ratio | 45.1359% | 185 |
| Memoranda: |
| Average total assets | $36,344,500 | 6,956 |
| Average earning assets | $34,830,000 | 6,890 |
| Average equity | $9,059,500 | 5,306 |
| Average total loans | $17,042,000 | 6,998 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1118% | 7,033 |
| Cost of funding earning assets | 0.9081% | 6,145 |
| Net interest margin | 3.2038% | 6,263 |
| Noninterest income to average assets | 0.3862% | 5,010 |
| Noninterest expense to average assets | 4.3227% | 790 |
| Loan and lease loss provision to assets | 0.0714% | 6,430 |
| Net operating income to assets | -0.9509% | 6,649 |
| Return on assets (ROA) | -0.9509% | 6,690 |
| Pretax return on assets | -0.9509% | 6,606 |
| Return on Equity (ROE) | -3.1789% | 6,291 |
| Retained earnings to average equity (ytd only) | -3.1789% | 6,113 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.5419% | 351 |
| Assets per employee ($millions) | 4.5229% | 2,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7028% | 3,208 |
| Loan loss allowance to noncurrent loans | 158.5635% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.5002% | 6,029 |
| Noncurrent loans to loans | 1.0739% | 4,939 |
| Net loans and leases to total assets | 45.7895% | 6,574 |
| Net loans and leases to deposits | 61.3880% | 5,914 |
| Net loans and leases to core deposits | 65.0082% | 5,978 |
| Total domestic deposits to total assets | 74.5903% | 6,818 |
| Equity capital to assets | 25.1693% | 123 |
| Core capital (leverage) ratio | 24.1457% | 132 |
| Tier 1 risk-based capital ratio | 45.9283% | 164 |
| Total risk-based capital ratio | 47.1787% | 165 |
| Memoranda: |
| Average total assets | $30,814,000 | 7,179 |
| Average earning assets | $29,403,000 | 7,114 |
| Average equity | $9,217,000 | 5,352 |
| Average total loans | $15,488,000 | 7,142 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1899% | 7,103 |
| Cost of funding earning assets | 0.9406% | 6,224 |
| Net interest margin | 3.2493% | 6,174 |
| Noninterest income to average assets | 0.4117% | 4,864 |
| Noninterest expense to average assets | 4.5149% | 577 |
| Loan and lease loss provision to assets | 0.0317% | 6,756 |
| Net operating income to assets | -1.0405% | 6,928 |
| Return on assets (ROA) | -1.0405% | 6,964 |
| Pretax return on assets | -1.0405% | 6,880 |
| Return on Equity (ROE) | -3.3172% | 6,517 |
| Retained earnings to average equity (ytd only) | -3.3172% | 6,389 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.7742% | 305 |
| Assets per employee ($millions) | 4.3386% | 3,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5922% | 3,550 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 48.4341% | 6,478 |
| Net loans and leases to deposits | 66.0291% | 5,665 |
| Net loans and leases to core deposits | 71.1968% | 5,612 |
| Total domestic deposits to total assets | 73.3527% | 7,002 |
| Equity capital to assets | 26.3793% | 122 |
| Core capital (leverage) ratio | 27.2866% | 103 |
| Tier 1 risk-based capital ratio | 45.0607% | 179 |
| Total risk-based capital ratio | 46.3120% | 176 |
| Memoranda: |
| Average total assets | $29,471,750 | 7,311 |
| Average earning assets | $28,067,000 | 7,245 |
| Average equity | $9,244,500 | 5,417 |
| Average total loans | $15,146,250 | 7,249 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3405% | 6,980 |
| Cost of funding earning assets | 0.9696% | 6,292 |
| Net interest margin | 3.3709% | 5,753 |
| Noninterest income to average assets | 0.4256% | 4,710 |
| Noninterest expense to average assets | 4.8402% | 424 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -1.2046% | 7,032 |
| Return on assets (ROA) | -1.2046% | 7,049 |
| Pretax return on assets | -1.2046% | 6,974 |
| Return on Equity (ROE) | -3.6015% | 6,581 |
| Retained earnings to average equity (ytd only) | -3.6015% | 6,388 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.1349% | 294 |
| Assets per employee ($millions) | 3.8040% | 4,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8934% | 2,427 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 45.1203% | 6,841 |
| Net loans and leases to deposits | 65.1067% | 5,907 |
| Net loans and leases to core deposits | 71.0825% | 5,762 |
| Total domestic deposits to total assets | 69.3021% | 7,373 |
| Equity capital to assets | 30.2478% | 83 |
| Core capital (leverage) ratio | 30.6141% | 80 |
| Tier 1 risk-based capital ratio | 47.2355% | 168 |
| Total risk-based capital ratio | 48.4903% | 168 |
| Memoranda: |
| Average total assets | $27,726,000 | 7,423 |
| Average earning assets | $26,402,330 | 7,357 |
| Average equity | $9,274,000 | 5,422 |
| Average total loans | $14,500,670 | 7,334 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5372% | 6,709 |
| Cost of funding earning assets | 0.9711% | 6,503 |
| Net interest margin | 3.5661% | 4,877 |
| Noninterest income to average assets | 0.4095% | 4,822 |
| Noninterest expense to average assets | 5.0658% | 351 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.2589% | 7,242 |
| Return on assets (ROA) | -1.2589% | 7,258 |
| Pretax return on assets | -1.2589% | 7,171 |
| Return on Equity (ROE) | -3.5666% | 6,785 |
| Retained earnings to average equity (ytd only) | -3.5666% | 6,438 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.0677% | 308 |
| Assets per employee ($millions) | 3.5454% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8026% | 2,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 50.8973% | 6,385 |
| Net loans and leases to deposits | 76.2962% | 4,359 |
| Net loans and leases to core deposits | 81.7904% | 4,523 |
| Total domestic deposits to total assets | 66.7102% | 7,588 |
| Equity capital to assets | 32.6975% | 73 |
| Core capital (leverage) ratio | 34.3833% | 67 |
| Tier 1 risk-based capital ratio | 33.5560% | 391 |
| Total risk-based capital ratio | 34.5794% | 391 |
| Memoranda: |
| Average total assets | $26,373,000 | 7,548 |
| Average earning assets | $25,125,500 | 7,489 |
| Average equity | $9,308,500 | 5,453 |
| Average total loans | $14,753,000 | 7,417 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8578% | 6,819 |
| Cost of funding earning assets | 0.9468% | 7,313 |
| Net interest margin | 3.9111% | 3,224 |
| Noninterest income to average assets | 0.6064% | 3,579 |
| Noninterest expense to average assets | 7.4832% | 172 |
| Loan and lease loss provision to assets | 0.7192% | 2,956 |
| Net operating income to assets | -2.5665% | 7,286 |
| Return on assets (ROA) | -2.5665% | 7,286 |
| Pretax return on assets | -3.8873% | 7,502 |
| Return on Equity (ROE) | -5.8475% | 6,290 |
| Retained earnings to average equity (ytd only) | -5.8475% | 6,130 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 173.4205% | 208 |
| Assets per employee ($millions) | 3.0479% | 6,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7899% | 2,585 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 59.6317% | 5,391 |
| Net loans and leases to deposits | 97.9125% | 1,112 |
| Net loans and leases to core deposits | 180.8008% | 161 |
| Total domestic deposits to total assets | 60.9031% | 7,783 |
| Equity capital to assets | 38.3177% | 64 |
| Core capital (leverage) ratio | 37.5751% | 72 |
| Tier 1 risk-based capital ratio | 40.0567% | 250 |
| Total risk-based capital ratio | 41.2688% | 244 |
| Memoranda: |
| Average total assets | $21,274,200 | 7,743 |
| Average earning assets | $20,173,600 | 7,709 |
| Average equity | $9,337,400 | 5,495 |
| Average total loans | $12,528,000 | 7,576 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8321% | 7,042 |
| Cost of funding earning assets | 0.9280% | 7,516 |
| Net interest margin | 3.9042% | 3,226 |
| Noninterest income to average assets | 0.5984% | 3,724 |
| Noninterest expense to average assets | 7.2594% | 189 |
| Loan and lease loss provision to assets | 0.7416% | 2,519 |
| Net operating income to assets | -2.4458% | 7,456 |
| Return on assets (ROA) | -2.4458% | 7,447 |
| Pretax return on assets | -3.7078% | 7,641 |
| Return on Equity (ROE) | -5.3698% | 6,489 |
| Retained earnings to average equity (ytd only) | -5.3698% | 6,296 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 169.0909% | 243 |
| Assets per employee ($millions) | 3.0076% | 6,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6944% | 2,650 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 54.4948% | 6,325 |
| Net loans and leases to deposits | 90.4089% | 2,500 |
| Net loans and leases to core deposits | 145.2692% | 716 |
| Total domestic deposits to total assets | 60.2760% | 7,868 |
| Equity capital to assets | 39.4747% | 75 |
| Core capital (leverage) ratio | 40.4622% | 71 |
| Tier 1 risk-based capital ratio | 44.1479% | 219 |
| Total risk-based capital ratio | 45.2565% | 219 |
| Memoranda: |
| Average total assets | $20,497,000 | 7,833 |
| Average earning assets | $19,397,500 | 7,799 |
| Average equity | $9,336,000 | 5,545 |
| Average total loans | $11,958,750 | 7,679 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8880% | 7,060 |
| Cost of funding earning assets | 0.8897% | 7,711 |
| Net interest margin | 3.9982% | 2,704 |
| Noninterest income to average assets | 0.6318% | 3,459 |
| Noninterest expense to average assets | 7.5716% | 181 |
| Loan and lease loss provision to assets | 0.7768% | 2,139 |
| Net operating income to assets | -2.5998% | 7,590 |
| Return on assets (ROA) | -2.5998% | 7,582 |
| Pretax return on assets | -3.9463% | 7,737 |
| Return on Equity (ROE) | -5.4083% | 6,649 |
| Retained earnings to average equity (ytd only) | -5.4083% | 6,356 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 172.0000% | 276 |
| Assets per employee ($millions) | 2.6909% | 6,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4617% | 3,406 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 58.5590% | 5,892 |
| Net loans and leases to deposits | 105.9239% | 769 |
| Net loans and leases to core deposits | 144.9465% | 802 |
| Total domestic deposits to total assets | 55.2841% | 8,017 |
| Equity capital to assets | 44.6045% | 73 |
| Core capital (leverage) ratio | 43.6967% | 78 |
| Tier 1 risk-based capital ratio | 49.5943% | 189 |
| Total risk-based capital ratio | 50.6059% | 188 |
| Memoranda: |
| Average total assets | $19,309,000 | 7,948 |
| Average earning assets | $18,208,000 | 7,913 |
| Average equity | $9,282,000 | 5,588 |
| Average total loans | $11,499,000 | 7,780 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9186% | 7,128 |
| Cost of funding earning assets | 0.8159% | 7,892 |
| Net interest margin | 4.1027% | 2,255 |
| Noninterest income to average assets | 0.6593% | 3,140 |
| Noninterest expense to average assets | 7.9121% | 155 |
| Loan and lease loss provision to assets | 0.7912% | 1,626 |
| Net operating income to assets | -2.7473% | 7,805 |
| Return on assets (ROA) | -2.7473% | 7,808 |
| Pretax return on assets | -4.1758% | 7,923 |
| Return on Equity (ROE) | -5.4813% | 7,017 |
| Retained earnings to average equity (ytd only) | -5.4813% | 6,618 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 174.7573% | 264 |
| Assets per employee ($millions) | 2.6099% | 7,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2738% | 4,248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 54.9404% | 6,362 |
| Net loans and leases to deposits | 103.0823% | 1,081 |
| Net loans and leases to core deposits | 136.7223% | 1,261 |
| Total domestic deposits to total assets | 53.2976% | 8,078 |
| Equity capital to assets | 43.4360% | 83 |
| Core capital (leverage) ratio | 47.6530% | 79 |
| Tier 1 risk-based capital ratio | 51.6688% | 189 |
| Total risk-based capital ratio | 52.5478% | 190 |
| Memoranda: |
| Average total assets | $18,200,000 | 8,033 |
| Average earning assets | $17,159,500 | 7,988 |
| Average equity | $9,122,000 | 5,657 |
| Average total loans | $10,852,000 | 7,867 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8476% | 8,185 |
| Cost of funding earning assets | 0.3578% | 8,212 |
| Net interest margin | 2.4898% | 7,766 |
| Noninterest income to average assets | 0.5023% | 4,603 |
| Noninterest expense to average assets | 10.2546% | 134 |
| Loan and lease loss provision to assets | 0.7813% | 1,914 |
| Net operating income to assets | -6.0830% | 8,157 |
| Return on assets (ROA) | -6.0830% | 8,150 |
| Pretax return on assets | -8.2037% | 8,210 |
| Return on Equity (ROE) | -9.3831% | 7,230 |
| Retained earnings to average equity (ytd only) | -9.3831% | 7,013 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 362.0690% | 74 |
| Assets per employee ($millions) | 1.9401% | 7,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1106% | 5,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 64.2549% | 5,223 |
| Net loans and leases to deposits | 175.6428% | 54 |
| Net loans and leases to core deposits | 215.7257% | 125 |
| Total domestic deposits to total assets | 36.5827% | 8,205 |
| Equity capital to assets | 59.1135% | 60 |
| Core capital (leverage) ratio | 58.6357% | 65 |
| Tier 1 risk-based capital ratio | 75.9503% | 106 |
| Total risk-based capital ratio | 76.9092% | 106 |
| Memoranda: |
| Average total assets | $14,335,000 | 8,181 |
| Average earning assets | $13,414,670 | 8,158 |
| Average equity | $9,293,330 | 5,636 |
| Average total loans | $6,612,330 | 8,098 |
