| 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 | 8.4106% | 107 |
| Cost of funding earning assets | 3.6547% | 60 |
| Net interest margin | 4.7558% | 442 |
| Noninterest income to average assets | 0.0100% | 4,513 |
| Noninterest expense to average assets | 1.3828% | 4,400 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 2.1979% | 339 |
| Return on assets (ROA) | 2.1979% | 329 |
| Pretax return on assets | 2.8250% | 245 |
| Return on Equity (ROE) | 24.5900% | 325 |
| Retained earnings to average equity (ytd only) | 13.6510% | 436 |
| Net charge-offs to loans | 0.0043% | 2,572 |
| Credit loss provision to net charge-offs | 4,165.6250% | 126 |
| Earnings coverage of net charge-offs (x) | 865.4688% | 173 |
| Efficiency ratio | 30.8835% | 4,489 |
| Assets per employee ($millions) | 25.3633% | 65 |
| Cash dividends to net income (ytd only)* | 44.4862% | 1,879 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8000% | 3,961 |
| 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 | 84.6600% | 227 |
| Net loans and leases to deposits | 94.7408% | 885 |
| Net loans and leases to core deposits | 187.3651% | 92 |
| Total domestic deposits to total assets | 89.3600% | 962 |
| Equity capital to assets | 9.4473% | 2,390 |
| Core capital (leverage) ratio | 9.3025% | 3,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $894,906,200 | 1,090 |
| Average earning assets | $839,977,400 | 1,071 |
| Average equity | $79,986,600 | 1,129 |
| Average total loans | $737,799,600 | 916 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.4364% | 100 |
| Cost of funding earning assets | 3.3324% | 76 |
| Net interest margin | 5.1039% | 280 |
| Noninterest income to average assets | 0.0100% | 4,534 |
| Noninterest expense to average assets | 1.1881% | 4,484 |
| Loan and lease loss provision to assets | 0.2800% | 342 |
| Net operating income to assets | 2.5971% | 243 |
| Return on assets (ROA) | 2.5971% | 237 |
| Pretax return on assets | 3.3390% | 180 |
| Return on Equity (ROE) | 29.5200% | 236 |
| Retained earnings to average equity (ytd only) | 19.9356% | 262 |
| Net charge-offs to loans | 0.0015% | 2,547 |
| Credit loss provision to net charge-offs | 15,500.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 2,981.1250% | 35 |
| Efficiency ratio | 24.6953% | 4,539 |
| Assets per employee ($millions) | 26.4304% | 60 |
| Cash dividends to net income (ytd only)* | 32.4637% | 1,977 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8001% | 3,983 |
| 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 | 82.5500% | 395 |
| Net loans and leases to deposits | 90.8167% | 1,163 |
| Net loans and leases to core deposits | 196.2798% | 43 |
| Total domestic deposits to total assets | 90.9000% | 696 |
| Equity capital to assets | 8.2352% | 2,894 |
| Core capital (leverage) ratio | 9.4064% | 3,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $877,681,750 | 1,111 |
| Average earning assets | $824,838,250 | 1,092 |
| Average equity | $77,220,000 | 1,155 |
| Average total loans | $716,614,000 | 937 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.0807% | 78 |
| Cost of funding earning assets | 3.1000% | 74 |
| Net interest margin | 5.9807% | 110 |
| Noninterest income to average assets | 0.0200% | 4,546 |
| Noninterest expense to average assets | 1.1764% | 4,520 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 3.3009% | 131 |
| Return on assets (ROA) | 3.3009% | 129 |
| Pretax return on assets | 4.2335% | 102 |
| Return on Equity (ROE) | 36.6100% | 132 |
| Retained earnings to average equity (ytd only) | 26.1025% | 108 |
| Net charge-offs to loans | 0.0023% | 2,275 |
| Credit loss provision to net charge-offs | 3,837.5000% | 139 |
| Earnings coverage of net charge-offs (x) | 2,350.8750% | 59 |
| Efficiency ratio | 20.8892% | 4,574 |
| Assets per employee ($millions) | 23.8496% | 66 |
| Cash dividends to net income (ytd only)* | 28.7068% | 2,118 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8000% | 4,025 |
| 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 | 80.5600% | 575 |
| Net loans and leases to deposits | 91.4807% | 1,064 |
| Net loans and leases to core deposits | 172.1932% | 72 |
| Total domestic deposits to total assets | 88.0700% | 1,576 |
| Equity capital to assets | 9.3178% | 2,299 |
| Core capital (leverage) ratio | 9.8614% | 2,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $844,267,333 | 1,134 |
| Average earning assets | $792,644,667 | 1,107 |
| Average equity | $76,115,333 | 1,162 |
| Average total loans | $684,216,000 | 968 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.8538% | 22 |
| Cost of funding earning assets | 2.8288% | 52 |
| Net interest margin | 8.0250% | 29 |
| Noninterest income to average assets | 0.0100% | 4,616 |
| Noninterest expense to average assets | 1.1583% | 4,586 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 4.7640% | 80 |
| Return on assets (ROA) | 4.7640% | 80 |
| Pretax return on assets | 6.1493% | 73 |
| Return on Equity (ROE) | 53.7700% | 65 |
| Retained earnings to average equity (ytd only) | 40.2845% | 62 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 15.3632% | 4,655 |
| Assets per employee ($millions) | 26.4364% | 53 |
| Cash dividends to net income (ytd only)* | 25.0752% | 1,857 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7616% | 4,159 |
| 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 | 81.7000% | 398 |
| Net loans and leases to deposits | 90.9503% | 980 |
| Net loans and leases to core deposits | 161.3518% | 86 |
| Total domestic deposits to total assets | 89.8200% | 1,223 |
| Equity capital to assets | 9.2265% | 2,337 |
| Core capital (leverage) ratio | 9.6530% | 3,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $837,108,000 | 1,154 |
| Average earning assets | $785,345,000 | 1,135 |
| Average equity | $74,172,500 | 1,192 |
| Average total loans | $677,678,000 | 986 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4583% | 159 |
| Cost of funding earning assets | 1.3212% | 46 |
| Net interest margin | 4.1370% | 619 |
| Noninterest income to average assets | 0.0300% | 4,621 |
| Noninterest expense to average assets | 0.9707% | 4,650 |
| Loan and lease loss provision to assets | 0.2500% | 370 |
| Net operating income to assets | 2.1217% | 241 |
| Return on assets (ROA) | 2.1217% | 232 |
| Pretax return on assets | 2.7098% | 164 |
| Return on Equity (ROE) | 24.9400% | 214 |
| Retained earnings to average equity (ytd only) | 17.1110% | 169 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 22.3497% | 4,682 |
| Assets per employee ($millions) | 27.6083% | 53 |
| Cash dividends to net income (ytd only)* | 31.3951% | 2,361 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7913% | 4,053 |
| 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 | 78.9300% | 705 |
| Net loans and leases to deposits | 86.7240% | 1,261 |
| Net loans and leases to core deposits | 129.1911% | 237 |
| Total domestic deposits to total assets | 91.0100% | 955 |
| Equity capital to assets | 8.4868% | 2,712 |
| Core capital (leverage) ratio | 9.1224% | 3,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $720,614,200 | 1,285 |
| Average earning assets | $678,914,400 | 1,266 |
| Average equity | $61,299,600 | 1,381 |
| Average total loans | $550,359,200 | 1,105 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2339% | 157 |
| Cost of funding earning assets | 0.9321% | 87 |
| Net interest margin | 4.3018% | 334 |
| Noninterest income to average assets | 0.0300% | 4,652 |
| Noninterest expense to average assets | 0.7294% | 4,710 |
| Loan and lease loss provision to assets | 0.3500% | 176 |
| Net operating income to assets | 2.3370% | 181 |
| Return on assets (ROA) | 2.3370% | 177 |
| Pretax return on assets | 3.0206% | 132 |
| Return on Equity (ROE) | 27.4500% | 127 |
| Retained earnings to average equity (ytd only) | 17.5187% | 185 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 14.6885% | 4,737 |
| Assets per employee ($millions) | 24.6435% | 68 |
| Cash dividends to net income (ytd only)* | 36.1872% | 1,751 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8569% | 3,969 |
| Loan loss allowance to noncurrent loans | 1,022.3529% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 3,222 |
| Noncurrent loans to loans | 0.0838% | 3,279 |
| Net loans and leases to total assets | 78.9600% | 621 |
| Net loans and leases to deposits | 86.4739% | 1,140 |
| Net loans and leases to core deposits | 120.0862% | 256 |
| Total domestic deposits to total assets | 91.3100% | 1,119 |
| Equity capital to assets | 8.1867% | 2,771 |
| Core capital (leverage) ratio | 9.4488% | 3,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $693,705,250 | 1,324 |
| Average earning assets | $655,399,000 | 1,305 |
| Average equity | $59,051,500 | 1,438 |
| Average total loans | $523,215,500 | 1,137 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9211% | 188 |
| Cost of funding earning assets | 0.7990% | 103 |
| Net interest margin | 4.1221% | 381 |
| Noninterest income to average assets | 0.0090% | 4,724 |
| Noninterest expense to average assets | 0.5257% | 4,751 |
| Loan and lease loss provision to assets | 0.5386% | 98 |
| Net operating income to assets | 2.1835% | 163 |
| Return on assets (ROA) | 2.1835% | 163 |
| Pretax return on assets | 2.8391% | 117 |
| Return on Equity (ROE) | 25.2833% | 106 |
| Retained earnings to average equity (ytd only) | 11.4635% | 706 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 8.3932% | 4,767 |
| Assets per employee ($millions) | 23.9771% | 65 |
| Cash dividends to net income (ytd only)* | 54.6597% | 1,212 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9320% | 3,862 |
| Loan loss allowance to noncurrent loans | 8,837.2881% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 3,950 |
| Noncurrent loans to loans | 0.0105% | 3,909 |
| Net loans and leases to total assets | 77.0526% | 632 |
| Net loans and leases to deposits | 88.9694% | 777 |
| Net loans and leases to core deposits | 112.9569% | 301 |
| Total domestic deposits to total assets | 86.6057% | 3,077 |
| Equity capital to assets | 8.2231% | 2,963 |
| Core capital (leverage) ratio | 9.5048% | 2,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $670,290,333 | 1,360 |
| Average earning assets | $633,273,667 | 1,348 |
| Average equity | $57,888,000 | 1,484 |
| Average total loans | $494,802,000 | 1,180 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5854% | 265 |
| Cost of funding earning assets | 0.7453% | 119 |
| Net interest margin | 3.8400% | 585 |
| Noninterest income to average assets | 0.0087% | 4,742 |
| Noninterest expense to average assets | -0.0644% | 4,795 |
| Loan and lease loss provision to assets | 0.1858% | 408 |
| Net operating income to assets | 2.6870% | 102 |
| Return on assets (ROA) | 2.6870% | 100 |
| Pretax return on assets | 3.5350% | 77 |
| Return on Equity (ROE) | 30.3055% | 59 |
| Retained earnings to average equity (ytd only) | 30.3055% | 37 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -13.0103% | 4,795 |
| Assets per employee ($millions) | 24.8882% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7438% | 4,320 |
| Loan loss allowance to noncurrent loans | 2,832.0611% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 3,860 |
| Noncurrent loans to loans | 0.0263% | 3,808 |
| Net loans and leases to total assets | 73.6710% | 684 |
| Net loans and leases to deposits | 81.0550% | 1,072 |
| Net loans and leases to core deposits | 97.4510% | 596 |
| Total domestic deposits to total assets | 90.8901% | 1,092 |
| Equity capital to assets | 8.9881% | 2,723 |
| Core capital (leverage) ratio | 9.7182% | 2,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $645,778,500 | 1,397 |
| Average earning assets | $613,430,500 | 1,384 |
| Average equity | $57,257,000 | 1,542 |
| Average total loans | $462,471,000 | 1,233 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6263% | 477 |
| Cost of funding earning assets | 0.7654% | 243 |
| Net interest margin | 3.8608% | 901 |
| Noninterest income to average assets | 0.0054% | 4,798 |
| Noninterest expense to average assets | 1.1700% | 4,722 |
| Loan and lease loss provision to assets | 0.1218% | 1,014 |
| Net operating income to assets | 1.8454% | 460 |
| Return on assets (ROA) | 1.8454% | 486 |
| Pretax return on assets | 2.3887% | 304 |
| Return on Equity (ROE) | 21.2826% | 249 |
| Retained earnings to average equity (ytd only) | 20.2424% | 59 |
| Net charge-offs to loans | 0.0007% | 2,668 |
| Credit loss provision to net charge-offs | 22,500.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 4,639.0000% | 24 |
| Efficiency ratio | 31.6326% | 4,782 |
| Assets per employee ($millions) | 22.9473% | 78 |
| Cash dividends to net income (ytd only)* | 4.8876% | 3,508 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7999% | 4,265 |
| Loan loss allowance to noncurrent loans | 2,602.2901% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 3,922 |
| Noncurrent loans to loans | 0.0307% | 3,854 |
| Net loans and leases to total assets | 68.2351% | 1,240 |
| Net loans and leases to deposits | 74.9215% | 1,649 |
| Net loans and leases to core deposits | 90.0098% | 971 |
| Total domestic deposits to total assets | 91.0753% | 469 |
| Equity capital to assets | 8.7344% | 3,854 |
| Core capital (leverage) ratio | 8.9295% | 3,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $554,351,400 | 1,560 |
| Average earning assets | $527,683,600 | 1,523 |
| Average equity | $48,067,400 | 1,817 |
| Average total loans | $406,621,000 | 1,359 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6237% | 543 |
| Cost of funding earning assets | 0.7784% | 271 |
| Net interest margin | 3.8453% | 1,030 |
| Noninterest income to average assets | 0.0112% | 4,858 |
| Noninterest expense to average assets | 1.0636% | 4,821 |
| Loan and lease loss provision to assets | 0.0662% | 1,672 |
| Net operating income to assets | 1.9611% | 492 |
| Return on assets (ROA) | 1.9611% | 517 |
| Pretax return on assets | 2.5380% | 325 |
| Return on Equity (ROE) | 22.6650% | 267 |
| Retained earnings to average equity (ytd only) | 21.2330% | 97 |
| Net charge-offs to loans | 0.0010% | 2,413 |
| Credit loss provision to net charge-offs | 8,900.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 3,503.0000% | 37 |
| Efficiency ratio | 28.8359% | 4,868 |
| Assets per employee ($millions) | 21.4481% | 87 |
| Cash dividends to net income (ytd only)* | 6.3179% | 3,085 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7001% | 4,503 |
| Loan loss allowance to noncurrent loans | 5,086.4407% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 4,056 |
| Noncurrent loans to loans | 0.0138% | 4,106 |
| Net loans and leases to total assets | 73.5011% | 733 |
| Net loans and leases to deposits | 80.9862% | 1,189 |
| Net loans and leases to core deposits | 98.9667% | 629 |
| Total domestic deposits to total assets | 90.7575% | 448 |
| Equity capital to assets | 8.9988% | 3,832 |
| Core capital (leverage) ratio | 8.8710% | 3,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $538,045,250 | 1,614 |
| Average earning assets | $511,643,000 | 1,581 |
| Average equity | $46,555,250 | 1,893 |
| Average total loans | $401,732,000 | 1,400 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5499% | 676 |
| Cost of funding earning assets | 0.7848% | 305 |
| Net interest margin | 3.7651% | 1,196 |
| Noninterest income to average assets | 0.0076% | 4,904 |
| Noninterest expense to average assets | 1.0401% | 4,864 |
| Loan and lease loss provision to assets | 0.0870% | 1,415 |
| Net operating income to assets | 1.9155% | 568 |
| Return on assets (ROA) | 1.9155% | 598 |
| Pretax return on assets | 2.4563% | 380 |
| Return on Equity (ROE) | 22.4683% | 292 |
| Retained earnings to average equity (ytd only) | 20.2313% | 149 |
| Net charge-offs to loans | 0.0015% | 2,166 |
| Credit loss provision to net charge-offs | 7,600.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 2,222.6667% | 43 |
| Efficiency ratio | 28.8558% | 4,901 |
| Assets per employee ($millions) | 25.1144% | 65 |
| Cash dividends to net income (ytd only)* | 9.9562% | 2,860 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7026% | 4,530 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 4,232 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 72.4707% | 908 |
| Net loans and leases to deposits | 79.3551% | 1,480 |
| Net loans and leases to core deposits | 105.3835% | 488 |
| Total domestic deposits to total assets | 91.3246% | 275 |
| Equity capital to assets | 8.5210% | 4,189 |
| Core capital (leverage) ratio | 9.1366% | 3,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $524,360,667 | 1,643 |
| Average earning assets | $497,992,000 | 1,607 |
| Average equity | $44,703,000 | 1,944 |
| Average total loans | $392,761,000 | 1,433 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6854% | 585 |
| Cost of funding earning assets | 0.8732% | 254 |
| Net interest margin | 3.8122% | 1,109 |
| Noninterest income to average assets | 0.0048% | 4,929 |
| Noninterest expense to average assets | 1.0311% | 4,900 |
| Loan and lease loss provision to assets | 0.1808% | 682 |
| Net operating income to assets | 1.8203% | 756 |
| Return on assets (ROA) | 1.8203% | 808 |
| Pretax return on assets | 2.4070% | 515 |
| Return on Equity (ROE) | 21.3455% | 443 |
| Retained earnings to average equity (ytd only) | 16.6335% | 454 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.3145% | 4,923 |
| Assets per employee ($millions) | 23.0042% | 75 |
| Cash dividends to net income (ytd only)* | 22.0751% | 1,943 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7502% | 4,488 |
| Loan loss allowance to noncurrent loans | 5,196.4912% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 4,203 |
| Noncurrent loans to loans | 0.0144% | 4,231 |
| Net loans and leases to total assets | 77.4308% | 500 |
| Net loans and leases to deposits | 85.3783% | 1,009 |
| Net loans and leases to core deposits | 109.6971% | 417 |
| Total domestic deposits to total assets | 90.6914% | 513 |
| Equity capital to assets | 8.7587% | 3,902 |
| Core capital (leverage) ratio | 9.0519% | 3,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $497,725,000 | 1,703 |
| Average earning assets | $471,850,000 | 1,674 |
| Average equity | $42,444,500 | 2,005 |
| Average total loans | $378,353,500 | 1,469 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2351% | 313 |
| Cost of funding earning assets | 1.2701% | 202 |
| Net interest margin | 3.9650% | 1,051 |
| Noninterest income to average assets | 0.0150% | 4,930 |
| Noninterest expense to average assets | 1.2863% | 4,876 |
| Loan and lease loss provision to assets | 0.1368% | 2,651 |
| Net operating income to assets | 1.7399% | 451 |
| Return on assets (ROA) | 1.7399% | 488 |
| Pretax return on assets | 2.3046% | 255 |
| Return on Equity (ROE) | 19.7203% | 246 |
| Retained earnings to average equity (ytd only) | 15.6168% | 133 |
| Net charge-offs to loans | 0.0018% | 3,345 |
| Credit loss provision to net charge-offs | 10,580.0000% | 95 |
| Earnings coverage of net charge-offs (x) | 1,888.2000% | 58 |
| Efficiency ratio | 34.2837% | 4,939 |
| Assets per employee ($millions) | 22.2435% | 73 |
| Cash dividends to net income (ytd only)* | 20.8086% | 3,210 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7563% | 4,501 |
| Loan loss allowance to noncurrent loans | 4,801.7544% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 4,267 |
| Noncurrent loans to loans | 0.0158% | 4,301 |
| Net loans and leases to total assets | 73.3894% | 1,107 |
| Net loans and leases to deposits | 80.3712% | 1,824 |
| Net loans and leases to core deposits | 97.0402% | 1,057 |
| Total domestic deposits to total assets | 91.3131% | 156 |
| Equity capital to assets | 8.2888% | 4,579 |
| Core capital (leverage) ratio | 8.5829% | 4,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $386,696,600 | 1,899 |
| Average earning assets | $362,096,600 | 1,896 |
| Average equity | $34,117,200 | 2,279 |
| Average total loans | $282,492,400 | 1,759 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0586% | 549 |
| Cost of funding earning assets | 1.3831% | 177 |
| Net interest margin | 3.6755% | 2,024 |
| Noninterest income to average assets | 0.0159% | 4,959 |
| Noninterest expense to average assets | 1.2759% | 4,914 |
| Loan and lease loss provision to assets | 0.0255% | 4,020 |
| Net operating income to assets | 1.6139% | 699 |
| Return on assets (ROA) | 1.6139% | 769 |
| Pretax return on assets | 2.1416% | 388 |
| Return on Equity (ROE) | 17.9244% | 367 |
| Retained earnings to average equity (ytd only) | 14.4380% | 227 |
| Net charge-offs to loans | 0.0010% | 3,197 |
| Credit loss provision to net charge-offs | 3,450.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 2,934.0000% | 30 |
| Efficiency ratio | 36.8015% | 4,944 |
| Assets per employee ($millions) | 20.4816% | 82 |
| Cash dividends to net income (ytd only)* | 19.4508% | 2,805 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7501% | 4,485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 4,424 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 70.1370% | 1,925 |
| Net loans and leases to deposits | 76.6432% | 2,692 |
| Net loans and leases to core deposits | 98.1095% | 1,300 |
| Total domestic deposits to total assets | 91.5111% | 101 |
| Equity capital to assets | 8.1055% | 4,679 |
| Core capital (leverage) ratio | 8.2174% | 4,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $361,031,250 | 1,974 |
| Average earning assets | $336,632,000 | 1,973 |
| Average equity | $32,506,000 | 2,345 |
| Average total loans | $262,647,000 | 1,848 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1650% | 611 |
| Cost of funding earning assets | 1.4619% | 180 |
| Net interest margin | 3.7031% | 2,146 |
| Noninterest income to average assets | 0.0154% | 4,981 |
| Noninterest expense to average assets | 1.2899% | 4,950 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6331% | 707 |
| Return on assets (ROA) | 1.6331% | 772 |
| Pretax return on assets | 2.1668% | 381 |
| Return on Equity (ROE) | 17.4021% | 413 |
| Retained earnings to average equity (ytd only) | 12.0427% | 459 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.0421% | 4,970 |
| Assets per employee ($millions) | 18.9074% | 91 |
| Cash dividends to net income (ytd only)* | 30.7971% | 2,333 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7762% | 4,397 |
| Loan loss allowance to noncurrent loans | 3,569.3548% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 4,475 |
| Noncurrent loans to loans | 0.0217% | 4,404 |
| Net loans and leases to total assets | 74.8124% | 1,301 |
| Net loans and leases to deposits | 82.1992% | 2,185 |
| Net loans and leases to core deposits | 119.2835% | 446 |
| Total domestic deposits to total assets | 91.0135% | 145 |
| Equity capital to assets | 8.6614% | 4,381 |
| Core capital (leverage) ratio | 8.8157% | 4,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $338,003,667 | 2,059 |
| Average earning assets | $314,112,000 | 2,053 |
| Average equity | $31,720,333 | 2,374 |
| Average total loans | $248,879,667 | 1,910 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2707% | 585 |
| Cost of funding earning assets | 1.6270% | 172 |
| Net interest margin | 3.6437% | 2,530 |
| Noninterest income to average assets | 0.0151% | 5,035 |
| Noninterest expense to average assets | 1.3500% | 4,988 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5374% | 715 |
| Return on assets (ROA) | 1.5374% | 783 |
| Pretax return on assets | 2.0407% | 417 |
| Return on Equity (ROE) | 15.6647% | 467 |
| Retained earnings to average equity (ytd only) | 9.2552% | 907 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5176% | 4,986 |
| Assets per employee ($millions) | 16.0837% | 113 |
| Cash dividends to net income (ytd only)* | 40.9165% | 1,864 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9213% | 4,029 |
| Loan loss allowance to noncurrent loans | 3,569.3548% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 4,537 |
| Noncurrent loans to loans | 0.0258% | 4,465 |
| Net loans and leases to total assets | 70.4655% | 2,181 |
| Net loans and leases to deposits | 77.9976% | 2,891 |
| Net loans and leases to core deposits | 102.1472% | 1,311 |
| Total domestic deposits to total assets | 90.3431% | 230 |
| Equity capital to assets | 9.3455% | 4,357 |
| Core capital (leverage) ratio | 9.9649% | 3,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $317,932,000 | 2,105 |
| Average earning assets | $294,532,000 | 2,110 |
| Average equity | $31,204,000 | 2,390 |
| Average total loans | $230,762,500 | 1,985 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7083% | 393 |
| Cost of funding earning assets | 1.9759% | 71 |
| Net interest margin | 3.7324% | 2,724 |
| Noninterest income to average assets | 0.0325% | 5,074 |
| Noninterest expense to average assets | 1.7327% | 4,844 |
| Loan and lease loss provision to assets | 0.5921% | 202 |
| Net operating income to assets | 0.8173% | 3,503 |
| Return on assets (ROA) | 0.8473% | 3,483 |
| Pretax return on assets | 1.1573% | 2,987 |
| Return on Equity (ROE) | 8.7845% | 2,849 |
| Retained earnings to average equity (ytd only) | 2.6789% | 3,700 |
| Net charge-offs to loans | 0.0007% | 3,706 |
| Credit loss provision to net charge-offs | 149,400.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 4,318.0000% | 13 |
| Efficiency ratio | 49.9425% | 4,735 |
| Assets per employee ($millions) | 14.1956% | 139 |
| Cash dividends to net income (ytd only)* | 69.5042% | 1,147 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0000% | 3,516 |
| Loan loss allowance to noncurrent loans | 1,357.6687% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 4,356 |
| Noncurrent loans to loans | 0.0737% | 4,235 |
| Net loans and leases to total assets | 73.4961% | 1,840 |
| Net loans and leases to deposits | 82.2350% | 2,534 |
| Net loans and leases to core deposits | 100.8372% | 1,495 |
| Total domestic deposits to total assets | 89.3733% | 539 |
| Equity capital to assets | 10.3463% | 3,589 |
| Core capital (leverage) ratio | 10.4641% | 2,988 |
| Tier 1 risk-based capital ratio | 10.6403% | 4,976 |
| Total risk-based capital ratio | 11.4222% | 5,039 |
| Memoranda: |
| Average total assets | $252,316,600 | 2,445 |
| Average earning assets | $230,630,000 | 2,468 |
| Average equity | $24,338,200 | 2,765 |
| Average total loans | $151,107,800 | 2,601 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4761% | 612 |
| Cost of funding earning assets | 2.0385% | 58 |
| Net interest margin | 3.4376% | 3,767 |
| Noninterest income to average assets | 0.0282% | 5,157 |
| Noninterest expense to average assets | 1.6833% | 4,939 |
| Loan and lease loss provision to assets | 0.1096% | 1,774 |
| Net operating income to assets | 1.0136% | 2,930 |
| Return on assets (ROA) | 1.0556% | 2,840 |
| Pretax return on assets | 1.4193% | 2,235 |
| Return on Equity (ROE) | 11.1950% | 1,929 |
| Retained earnings to average equity (ytd only) | 5.3245% | 2,719 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8474% | 4,525 |
| Assets per employee ($millions) | 14.1686% | 141 |
| Cash dividends to net income (ytd only)* | 52.4384% | 1,565 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5341% | 4,924 |
| Loan loss allowance to noncurrent loans | 1,555.9322% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 4,532 |
| Noncurrent loans to loans | 0.0343% | 4,510 |
| Net loans and leases to total assets | 60.3329% | 3,646 |
| Net loans and leases to deposits | 69.3116% | 3,810 |
| Net loans and leases to core deposits | 86.2711% | 2,888 |
| Total domestic deposits to total assets | 87.0460% | 1,489 |
| Equity capital to assets | 9.2098% | 4,660 |
| Core capital (leverage) ratio | 9.3331% | 4,343 |
| Tier 1 risk-based capital ratio | 11.3612% | 4,737 |
| Total risk-based capital ratio | 11.7724% | 4,999 |
| Memoranda: |
| Average total assets | $240,869,000 | 2,540 |
| Average earning assets | $219,372,000 | 2,560 |
| Average equity | $22,712,000 | 2,915 |
| Average total loans | $133,557,250 | 2,818 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5719% | 495 |
| Cost of funding earning assets | 2.0119% | 57 |
| Net interest margin | 3.5600% | 3,400 |
| Noninterest income to average assets | 0.0203% | 5,215 |
| Noninterest expense to average assets | 1.7609% | 4,913 |
| Loan and lease loss provision to assets | 0.1562% | 1,165 |
| Net operating income to assets | 0.9962% | 2,937 |
| Return on assets (ROA) | 1.0631% | 2,733 |
| Pretax return on assets | 1.4318% | 2,098 |
| Return on Equity (ROE) | 11.1660% | 1,912 |
| Retained earnings to average equity (ytd only) | 5.6062% | 2,468 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5135% | 4,518 |
| Assets per employee ($millions) | 14.1742% | 124 |
| Cash dividends to net income (ytd only)* | 49.7925% | 1,807 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6299% | 4,823 |
| Loan loss allowance to noncurrent loans | 203.4014% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1638% | 3,945 |
| Noncurrent loans to loans | 0.3097% | 3,435 |
| Net loans and leases to total assets | 52.5467% | 4,319 |
| Net loans and leases to deposits | 57.8882% | 4,520 |
| Net loans and leases to core deposits | 87.9258% | 2,802 |
| Total domestic deposits to total assets | 90.7727% | 136 |
| Equity capital to assets | 8.9106% | 4,845 |
| Core capital (leverage) ratio | 9.6011% | 4,037 |
| Tier 1 risk-based capital ratio | 11.6596% | 4,604 |
| Total risk-based capital ratio | 12.1094% | 4,890 |
| Memoranda: |
| Average total assets | $226,701,670 | 2,633 |
| Average earning assets | $206,570,670 | 2,670 |
| Average equity | $21,583,330 | 3,010 |
| Average total loans | $120,781,670 | 2,980 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6232% | 411 |
| Cost of funding earning assets | 1.9254% | 69 |
| Net interest margin | 3.6979% | 2,899 |
| Noninterest income to average assets | 0.1908% | 4,609 |
| Noninterest expense to average assets | 2.0214% | 4,600 |
| Loan and lease loss provision to assets | 0.1500% | 1,121 |
| Net operating income to assets | 1.0652% | 2,598 |
| Return on assets (ROA) | 1.0652% | 2,649 |
| Pretax return on assets | 1.3632% | 2,221 |
| Return on Equity (ROE) | 10.7379% | 2,058 |
| Retained earnings to average equity (ytd only) | 6.8118% | 2,114 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7493% | 4,246 |
| Assets per employee ($millions) | 9.6632% | 379 |
| Cash dividends to net income (ytd only)* | 36.5631% | 2,026 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6713% | 4,827 |
| Loan loss allowance to noncurrent loans | 201.7722% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 3,833 |
| Noncurrent loans to loans | 0.3327% | 3,381 |
| Net loans and leases to total assets | 53.0578% | 4,269 |
| Net loans and leases to deposits | 58.7673% | 4,467 |
| Net loans and leases to core deposits | 96.8607% | 1,866 |
| Total domestic deposits to total assets | 90.2845% | 359 |
| Equity capital to assets | 9.2516% | 4,482 |
| Core capital (leverage) ratio | 9.9429% | 3,662 |
| Tier 1 risk-based capital ratio | 12.0108% | 4,451 |
| Total risk-based capital ratio | 12.4945% | 4,777 |
| Memoranda: |
| Average total assets | $205,398,000 | 2,849 |
| Average earning assets | $185,729,500 | 2,896 |
| Average equity | $20,376,500 | 3,120 |
| Average total loans | $109,967,500 | 3,171 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7403% | 262 |
| Cost of funding earning assets | 1.3309% | 194 |
| Net interest margin | 4.4094% | 916 |
| Noninterest income to average assets | 0.2164% | 4,616 |
| Noninterest expense to average assets | 2.0987% | 4,565 |
| Loan and lease loss provision to assets | 0.6538% | 164 |
| Net operating income to assets | 1.0982% | 2,603 |
| Return on assets (ROA) | 1.0982% | 2,600 |
| Pretax return on assets | 1.4763% | 1,860 |
| Return on Equity (ROE) | 7.8602% | 3,497 |
| Retained earnings to average equity (ytd only) | 7.0276% | 1,657 |
| Net charge-offs to loans | 0.0040% | 3,582 |
| Credit loss provision to net charge-offs | 28,100.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 915.5000% | 118 |
| Efficiency ratio | 48.7483% | 5,009 |
| Assets per employee ($millions) | 10.4746% | 297 |
| Cash dividends to net income (ytd only)* | 10.5932% | 3,816 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7114% | 4,782 |
| Loan loss allowance to noncurrent loans | 857.1429% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 4,506 |
| Noncurrent loans to loans | 0.0830% | 4,381 |
| Net loans and leases to total assets | 53.3011% | 4,332 |
| Net loans and leases to deposits | 59.9734% | 4,480 |
| Net loans and leases to core deposits | 102.3798% | 1,553 |
| Total domestic deposits to total assets | 88.8746% | 912 |
| Equity capital to assets | 10.7090% | 2,970 |
| Core capital (leverage) ratio | 11.9699% | 1,754 |
| Tier 1 risk-based capital ratio | 14.5499% | 3,042 |
| Total risk-based capital ratio | 15.0890% | 3,295 |
| Memoranda: |
| Average total assets | $85,956,400 | 4,327 |
| Average earning assets | $78,219,200 | 4,344 |
| Average equity | $12,009,800 | 4,025 |
| Average total loans | $49,994,800 | 4,318 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8955% | 183 |
| Cost of funding earning assets | 0.8154% | 1,260 |
| Net interest margin | 5.0801% | 225 |
| Noninterest income to average assets | 0.3161% | 4,037 |
| Noninterest expense to average assets | 1.9852% | 4,769 |
| Loan and lease loss provision to assets | 0.7406% | 132 |
| Net operating income to assets | 1.6868% | 771 |
| Return on assets (ROA) | 1.6868% | 772 |
| Pretax return on assets | 2.2594% | 365 |
| Return on Equity (ROE) | 10.2093% | 2,526 |
| Retained earnings to average equity (ytd only) | 8.8713% | 1,272 |
| Net charge-offs to loans | 0.0072% | 3,168 |
| Credit loss provision to net charge-offs | 16,750.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 677.6367% | 129 |
| Efficiency ratio | 38.7140% | 5,355 |
| Assets per employee ($millions) | 5.4538% | 1,961 |
| Cash dividends to net income (ytd only)* | 13.1061% | 3,276 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7013% | 4,875 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 4,775 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 71.1107% | 2,476 |
| Net loans and leases to deposits | 84.9473% | 2,481 |
| Net loans and leases to core deposits | 149.5523% | 135 |
| Total domestic deposits to total assets | 83.7116% | 3,046 |
| Equity capital to assets | 16.0541% | 531 |
| Core capital (leverage) ratio | 18.4818% | 295 |
| Tier 1 risk-based capital ratio | 17.4542% | 1,951 |
| Total risk-based capital ratio | 18.0281% | 2,122 |
| Memoranda: |
| Average total assets | $60,310,000 | 4,811 |
| Average earning assets | $55,431,000 | 4,813 |
| Average equity | $9,964,500 | 4,342 |
| Average total loans | $37,189,750 | 4,679 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1785% | 577 |
| Cost of funding earning assets | 0.4932% | 3,055 |
| Net interest margin | 4.6853% | 455 |
| Noninterest income to average assets | 0.4278% | 3,311 |
| Noninterest expense to average assets | 2.2017% | 4,364 |
| Loan and lease loss provision to assets | 0.3607% | 356 |
| Net operating income to assets | 1.6188% | 882 |
| Return on assets (ROA) | 1.6188% | 884 |
| Pretax return on assets | 2.1681% | 412 |
| Return on Equity (ROE) | 9.6108% | 2,754 |
| Retained earnings to average equity (ytd only) | 7.1209% | 2,018 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1241% | 5,249 |
| Assets per employee ($millions) | 3.7073% | 4,341 |
| Cash dividends to net income (ytd only)* | 25.9067% | 2,762 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6376% | 5,042 |
| Loan loss allowance to noncurrent loans | 4,100.0000% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.1164% | 4,413 |
| Noncurrent loans to loans | 0.0156% | 4,876 |
| Net loans and leases to total assets | 54.4230% | 4,302 |
| Net loans and leases to deposits | 67.5554% | 4,046 |
| Net loans and leases to core deposits | 107.2428% | 1,168 |
| Total domestic deposits to total assets | 80.5605% | 4,111 |
| Equity capital to assets | 17.5812% | 361 |
| Core capital (leverage) ratio | 22.7511% | 141 |
| Tier 1 risk-based capital ratio | 23.5109% | 884 |
| Total risk-based capital ratio | 24.0092% | 939 |
| Memoranda: |
| Average total assets | $47,690,670 | 5,094 |
| Average earning assets | $43,796,670 | 5,093 |
| Average equity | $8,032,670 | 4,690 |
| Average total loans | $26,152,670 | 5,018 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3763% | 2,276 |
| Cost of funding earning assets | 0.3697% | 3,834 |
| Net interest margin | 4.0067% | 1,705 |
| Noninterest income to average assets | 0.5177% | 2,702 |
| Noninterest expense to average assets | 2.4672% | 3,748 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2777% | 1,721 |
| Return on assets (ROA) | 1.2777% | 1,726 |
| Pretax return on assets | 1.7513% | 1,000 |
| Return on Equity (ROE) | 7.9221% | 3,410 |
| Retained earnings to average equity (ytd only) | 1.0927% | 4,604 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3969% | 4,531 |
| Assets per employee ($millions) | 3.0013% | 5,152 |
| Cash dividends to net income (ytd only)* | 86.2069% | 738 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7023% | 5,025 |
| Loan loss allowance to noncurrent loans | 258.0645% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.3284% | 3,521 |
| Noncurrent loans to loans | 0.2722% | 3,793 |
| Net loans and leases to total assets | 53.8365% | 4,299 |
| Net loans and leases to deposits | 66.9181% | 4,024 |
| Net loans and leases to core deposits | 75.8992% | 3,678 |
| Total domestic deposits to total assets | 80.4512% | 4,333 |
| Equity capital to assets | 19.3132% | 242 |
| Core capital (leverage) ratio | 21.0465% | 179 |
| Tier 1 risk-based capital ratio | 34.7033% | 331 |
| Total risk-based capital ratio | 35.4532% | 339 |
| Memoranda: |
| Average total assets | $36,316,500 | 5,339 |
| Average earning assets | $33,544,000 | 5,325 |
| Average equity | $5,857,000 | 5,078 |
| Average total loans | $19,938,500 | 5,260 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5034% | 5,551 |
| Cost of funding earning assets | 0.2417% | 4,631 |
| Net interest margin | 2.2617% | 5,521 |
| Noninterest income to average assets | 0.1282% | 5,302 |
| Noninterest expense to average assets | 1.3483% | 5,545 |
| Loan and lease loss provision to assets | 0.6217% | 203 |
| Net operating income to assets | 0.1619% | 5,175 |
| Return on assets (ROA) | 0.1554% | 5,193 |
| Pretax return on assets | 0.1865% | 5,322 |
| Return on Equity (ROE) | 1.4674% | 5,159 |
| Retained earnings to average equity (ytd only) | -0.3668% | 5,100 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4255% | 4,349 |
| Assets per employee ($millions) | 3.0571% | 5,157 |
| Cash dividends to net income (ytd only)* | 125.0000% | 198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9359% | 4,290 |
| Loan loss allowance to noncurrent loans | 95.2381% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.6673% | 2,312 |
| Noncurrent loans to loans | 0.9827% | 1,802 |
| Net loans and leases to total assets | 55.3989% | 4,238 |
| Net loans and leases to deposits | 62.9544% | 4,380 |
| Net loans and leases to core deposits | 77.3263% | 3,640 |
| Total domestic deposits to total assets | 87.9984% | 1,501 |
| Equity capital to assets | 11.8642% | 1,932 |
| Core capital (leverage) ratio | 9.8422% | 3,646 |
| Tier 1 risk-based capital ratio | 19.4330% | 1,426 |
| Total risk-based capital ratio | 20.4806% | 1,435 |
| Memoranda: |
| Average total assets | $25,735,800 | 5,539 |
| Average earning assets | $23,168,800 | 5,530 |
| Average equity | $2,726,000 | 5,549 |
| Average total loans | $14,983,000 | 5,439 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.7528% | 5,689 |
| Cost of funding earning assets | 0.1461% | 5,333 |
| Net interest margin | 1.6067% | 5,681 |
| Noninterest income to average assets | 0.1142% | 5,425 |
| Noninterest expense to average assets | 1.0166% | 5,675 |
| Loan and lease loss provision to assets | 0.0326% | 3,471 |
| Net operating income to assets | 0.3298% | 5,156 |
| Return on assets (ROA) | 0.3262% | 5,191 |
| Pretax return on assets | 0.4947% | 5,041 |
| Return on Equity (ROE) | 3.1990% | 5,064 |
| Retained earnings to average equity (ytd only) | 3.1990% | 4,016 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8070% | 3,753 |
| Assets per employee ($millions) | 2.8640% | 5,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0448% | 5,679 |
| Loan loss allowance to noncurrent loans | 4.4444% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 0.8380% | 2,051 |
| Noncurrent loans to loans | 1.0076% | 1,928 |
| Net loans and leases to total assets | 46.7598% | 4,895 |
| Net loans and leases to deposits | 52.1191% | 5,049 |
| Net loans and leases to core deposits | 64.7113% | 4,575 |
| Total domestic deposits to total assets | 89.7172% | 571 |
| Equity capital to assets | 10.0244% | 3,884 |
| Core capital (leverage) ratio | 10.2331% | 3,272 |
| Tier 1 risk-based capital ratio | 21.0446% | 1,188 |
| Total risk-based capital ratio | 21.0953% | 1,359 |
| Memoranda: |
| Average total assets | $24,527,000 | 5,611 |
| Average earning assets | $21,907,750 | 5,608 |
| Average equity | $2,500,750 | 5,635 |
| Average total loans | $14,454,750 | 5,512 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3815% | 1,874 |
| Cost of funding earning assets | 0.3227% | 3,861 |
| Net interest margin | 4.0587% | 1,435 |
| Noninterest income to average assets | 0.5614% | 2,648 |
| Noninterest expense to average assets | 2.8589% | 2,549 |
| Loan and lease loss provision to assets | 0.1036% | 1,955 |
| Net operating income to assets | 1.0624% | 2,157 |
| Return on assets (ROA) | 1.0624% | 2,199 |
| Pretax return on assets | 1.1833% | 2,836 |
| Return on Equity (ROE) | 10.3477% | 1,894 |
| Retained earnings to average equity (ytd only) | 0.9254% | 4,861 |
| Net charge-offs to loans | -0.0135% | 4,635 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7083% | 3,067 |
| Assets per employee ($millions) | 4.5704% | 2,988 |
| Cash dividends to net income (ytd only)* | 91.0569% | 606 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3952% | 5,613 |
| Loan loss allowance to noncurrent loans | 67.8161% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 0.7702% | 2,282 |
| Noncurrent loans to loans | 0.5828% | 2,982 |
| Net loans and leases to total assets | 65.0665% | 3,241 |
| Net loans and leases to deposits | 72.8980% | 3,658 |
| Net loans and leases to core deposits | 72.8980% | 4,026 |
| Total domestic deposits to total assets | 89.2570% | 827 |
| Equity capital to assets | 10.5242% | 3,307 |
| Core capital (leverage) ratio | 10.3476% | 3,074 |
| Tier 1 risk-based capital ratio | 16.5425% | 2,305 |
| Total risk-based capital ratio | 16.9612% | 2,554 |
| Memoranda: |
| Average total assets | $23,156,000 | 5,678 |
| Average earning assets | $20,449,670 | 5,671 |
| Average equity | $2,377,330 | 5,690 |
| Average total loans | $14,807,000 | 5,549 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2611% | 2,067 |
| Cost of funding earning assets | 0.3113% | 3,931 |
| Net interest margin | 3.9498% | 1,608 |
| Noninterest income to average assets | 0.4290% | 3,454 |
| Noninterest expense to average assets | 2.7287% | 3,038 |
| Loan and lease loss provision to assets | 0.1030% | 1,849 |
| Net operating income to assets | 0.8409% | 3,037 |
| Return on assets (ROA) | 0.8409% | 3,084 |
| Pretax return on assets | 1.0812% | 3,056 |
| Return on Equity (ROE) | 8.2928% | 2,768 |
| Retained earnings to average equity (ytd only) | -10.6622% | 5,593 |
| Net charge-offs to loans | -0.0271% | 4,883 |
| Credit loss provision to net charge-offs | -600.0000% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4211% | 3,136 |
| Assets per employee ($millions) | 4.6428% | 2,932 |
| Cash dividends to net income (ytd only)* | 228.5714% | 187 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3583% | 5,713 |
| Loan loss allowance to noncurrent loans | 64.6341% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 0.9003% | 2,061 |
| Noncurrent loans to loans | 0.5544% | 3,146 |
| Net loans and leases to total assets | 63.4876% | 3,334 |
| Net loans and leases to deposits | 70.7164% | 3,724 |
| Net loans and leases to core deposits | 70.7164% | 4,094 |
| Total domestic deposits to total assets | 89.7777% | 762 |
| Equity capital to assets | 10.0457% | 3,704 |
| Core capital (leverage) ratio | 9.6985% | 3,874 |
| Tier 1 risk-based capital ratio | 15.8423% | 2,612 |
| Total risk-based capital ratio | 16.2147% | 2,911 |
| Memoranda: |
| Average total assets | $23,308,000 | 5,746 |
| Average earning assets | $20,558,000 | 5,739 |
| Average equity | $2,363,500 | 5,753 |
| Average total loans | $14,746,500 | 5,614 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3189% | 2,082 |
| Cost of funding earning assets | 0.3403% | 3,630 |
| Net interest margin | 3.9786% | 1,700 |
| Noninterest income to average assets | 0.4308% | 3,675 |
| Noninterest expense to average assets | 3.1166% | 1,986 |
| Loan and lease loss provision to assets | 0.2550% | 817 |
| Net operating income to assets | 0.8352% | 3,124 |
| Return on assets (ROA) | 0.8352% | 3,238 |
| Pretax return on assets | 0.5539% | 4,915 |
| Return on Equity (ROE) | 8.1545% | 2,859 |
| Retained earnings to average equity (ytd only) | 5.5794% | 1,966 |
| Net charge-offs to loans | 0.1681% | 1,613 |
| Credit loss provision to net charge-offs | 263.6364% | 1,094 |
| Earnings coverage of net charge-offs (x) | 8.3636% | 2,880 |
| Efficiency ratio | 78.1635% | 1,673 |
| Assets per employee ($millions) | 3.3431% | 4,987 |
| Cash dividends to net income (ytd only)* | 31.5789% | 3,249 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3129% | 5,792 |
| Loan loss allowance to noncurrent loans | 55.4217% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 0.9486% | 2,002 |
| Noncurrent loans to loans | 0.5645% | 3,145 |
| Net loans and leases to total assets | 62.6271% | 3,524 |
| Net loans and leases to deposits | 69.8670% | 3,918 |
| Net loans and leases to core deposits | 69.8670% | 4,254 |
| Total domestic deposits to total assets | 89.6376% | 803 |
| Equity capital to assets | 10.2342% | 3,462 |
| Core capital (leverage) ratio | 9.9299% | 3,593 |
| Tier 1 risk-based capital ratio | 16.3643% | 2,399 |
| Total risk-based capital ratio | 16.6865% | 2,708 |
| Memoranda: |
| Average total assets | $22,749,200 | 5,806 |
| Average earning assets | $19,981,800 | 5,801 |
| Average equity | $2,330,000 | 5,817 |
| Average total loans | $13,090,600 | 5,712 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2965% | 2,173 |
| Cost of funding earning assets | 0.3362% | 3,697 |
| Net interest margin | 3.9603% | 1,778 |
| Noninterest income to average assets | 0.4073% | 3,872 |
| Noninterest expense to average assets | 3.0933% | 2,044 |
| Loan and lease loss provision to assets | 0.2952% | 577 |
| Net operating income to assets | 0.8737% | 3,040 |
| Return on assets (ROA) | 0.8737% | 3,162 |
| Pretax return on assets | 0.4959% | 5,133 |
| Return on Equity (ROE) | 8.5286% | 2,748 |
| Retained earnings to average equity (ytd only) | 7.8945% | 1,218 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2675% | 1,652 |
| Assets per employee ($millions) | 3.3764% | 4,947 |
| Cash dividends to net income (ytd only)* | 7.4342% | 3,620 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4208% | 5,784 |
| Loan loss allowance to noncurrent loans | 46.8750% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 1.0789% | 1,900 |
| Noncurrent loans to loans | 0.8976% | 2,458 |
| Net loans and leases to total assets | 60.0804% | 3,867 |
| Net loans and leases to deposits | 67.0001% | 4,248 |
| Net loans and leases to core deposits | 67.0001% | 4,547 |
| Total domestic deposits to total assets | 89.6721% | 596 |
| Equity capital to assets | 10.1798% | 3,943 |
| Core capital (leverage) ratio | 10.5422% | 2,946 |
| Tier 1 risk-based capital ratio | 17.7134% | 2,000 |
| Total risk-based capital ratio | 18.1674% | 2,211 |
| Memoranda: |
| Average total assets | $22,586,000 | 5,872 |
| Average earning assets | $19,829,750 | 5,867 |
| Average equity | $2,313,750 | 5,879 |
| Average total loans | $12,687,750 | 5,778 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1458% | 2,691 |
| Cost of funding earning assets | 0.3548% | 3,515 |
| Net interest margin | 3.7910% | 2,359 |
| Noninterest income to average assets | 0.4227% | 3,714 |
| Noninterest expense to average assets | 3.1120% | 2,024 |
| Loan and lease loss provision to assets | 0.3957% | 390 |
| Net operating income to assets | 0.2788% | 5,375 |
| Return on assets (ROA) | 0.2788% | 5,455 |
| Pretax return on assets | 0.2788% | 5,531 |
| Return on Equity (ROE) | 2.7157% | 5,329 |
| Retained earnings to average equity (ytd only) | 2.7157% | 4,177 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7601% | 1,406 |
| Assets per employee ($millions) | 2.7528% | 5,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3872% | 5,890 |
| Loan loss allowance to noncurrent loans | 39.4161% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 1.1988% | 1,735 |
| Noncurrent loans to loans | 0.9824% | 2,313 |
| Net loans and leases to total assets | 63.0778% | 3,490 |
| Net loans and leases to deposits | 70.7750% | 3,912 |
| Net loans and leases to core deposits | 70.7750% | 4,271 |
| Total domestic deposits to total assets | 89.1245% | 865 |
| Equity capital to assets | 10.4532% | 3,688 |
| Core capital (leverage) ratio | 10.2903% | 3,210 |
| Tier 1 risk-based capital ratio | 17.9495% | 1,943 |
| Total risk-based capital ratio | 18.3715% | 2,135 |
| Memoranda: |
| Average total assets | $22,236,330 | 5,952 |
| Average earning assets | $19,731,000 | 5,942 |
| Average equity | $2,283,000 | 5,956 |
| Average total loans | $12,163,670 | 5,861 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9049% | 3,577 |
| Cost of funding earning assets | 0.3661% | 3,440 |
| Net interest margin | 3.5388% | 3,324 |
| Noninterest income to average assets | 0.4655% | 3,369 |
| Noninterest expense to average assets | 2.7749% | 3,168 |
| Loan and lease loss provision to assets | 0.6803% | 155 |
| Net operating income to assets | 0.1253% | 5,644 |
| Return on assets (ROA) | 0.1253% | 5,695 |
| Pretax return on assets | 0.1253% | 5,712 |
| Return on Equity (ROE) | 1.2316% | 5,658 |
| Retained earnings to average equity (ytd only) | 1.2316% | 4,759 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5000% | 2,107 |
| Assets per employee ($millions) | 3.2337% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3648% | 5,978 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 0.8791% | 2,490 |
| Noncurrent loans to loans | 0.5472% | 3,541 |
| Net loans and leases to total assets | 57.9122% | 4,050 |
| Net loans and leases to deposits | 64.6879% | 4,371 |
| Net loans and leases to core deposits | 64.6879% | 4,644 |
| Total domestic deposits to total assets | 89.5255% | 821 |
| Equity capital to assets | 10.0504% | 4,015 |
| Core capital (leverage) ratio | 10.0106% | 3,530 |
| Tier 1 risk-based capital ratio | 19.5380% | 1,607 |
| Total risk-based capital ratio | 19.9502% | 1,763 |
| Memoranda: |
| Average total assets | $22,343,500 | 6,009 |
| Average earning assets | $19,667,500 | 6,004 |
| Average equity | $2,273,500 | 6,018 |
| Average total loans | $11,273,000 | 5,935 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.5590% | 6,157 |
| Cost of funding earning assets | 0.0634% | 6,086 |
| Net interest margin | 0.4956% | 6,157 |
| Noninterest income to average assets | 0.1667% | 5,582 |
| Noninterest expense to average assets | 0.4706% | 6,158 |
| Loan and lease loss provision to assets | 0.0490% | 3,350 |
| Net operating income to assets | 0.0686% | 5,795 |
| Return on assets (ROA) | 0.0686% | 5,831 |
| Pretax return on assets | 0.0686% | 5,827 |
| Return on Equity (ROE) | 1.0335% | 5,764 |
| Retained earnings to average equity (ytd only) | 1.0335% | 5,105 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 1,679 |
| Assets per employee ($millions) | 4.4268% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.1048% | 6,109 |
| Loan loss allowance to noncurrent loans | 14.7059% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 3.2981% | 377 |
| Noncurrent loans to loans | 0.7127% | 3,048 |
| Net loans and leases to total assets | 43.0604% | 5,342 |
| Net loans and leases to deposits | 48.4520% | 5,467 |
| Net loans and leases to core deposits | 48.4520% | 5,549 |
| Total domestic deposits to total assets | 88.8723% | 1,193 |
| Equity capital to assets | 10.5268% | 3,330 |
| Core capital (leverage) ratio | 11.0462% | 2,356 |
| Tier 1 risk-based capital ratio | 22.4551% | 1,093 |
| Total risk-based capital ratio | 22.5517% | 1,235 |
| Memoranda: |
| Average total assets | $20,397,400 | 6,091 |
| Average earning assets | $17,351,600 | 6,094 |
| Average equity | $1,354,600 | 6,158 |
| Average total loans | $9,878,800 | 6,016 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0669% | 3,076 |
| Cost of funding earning assets | 0.4177% | 3,032 |
| Net interest margin | 3.6492% | 2,963 |
| Noninterest income to average assets | 0.1670% | 5,646 |
| Noninterest expense to average assets | 3.4195% | 1,438 |
| Loan and lease loss provision to assets | 0.1670% | 1,265 |
| Net operating income to assets | -0.3273% | 6,091 |
| Return on assets (ROA) | -0.3273% | 6,104 |
| Pretax return on assets | -0.3273% | 6,094 |
| Return on Equity (ROE) | -5.8816% | 6,149 |
| Retained earnings to average equity (ytd only) | -5.8816% | 6,056 |
| Net charge-offs to loans | 1.0438% | 179 |
| Credit loss provision to net charge-offs | 32.0513% | 3,255 |
| Earnings coverage of net charge-offs (x) | -0.3077% | 4,017 |
| Efficiency ratio | 104.9180% | 201 |
| Assets per employee ($millions) | 3.9382% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5904% | 387 |
| Loan loss allowance to noncurrent loans | 95.9514% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 7.6685% | 89 |
| Noncurrent loans to loans | 2.6997% | 713 |
| Net loans and leases to total assets | 45.2593% | 5,274 |
| Net loans and leases to deposits | 48.0898% | 5,556 |
| Net loans and leases to core deposits | 48.0898% | 5,651 |
| Total domestic deposits to total assets | 94.1141% | 27 |
| Equity capital to assets | 5.5762% | 6,215 |
| Core capital (leverage) ratio | 5.4565% | 6,217 |
| Tier 1 risk-based capital ratio | 10.8793% | 5,720 |
| Total risk-based capital ratio | 12.1369% | 5,634 |
| Memoranda: |
| Average total assets | $19,963,250 | 6,179 |
| Average earning assets | $16,916,750 | 6,183 |
| Average equity | $1,110,750 | 6,257 |
| Average total loans | $9,963,250 | 6,094 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1274% | 2,795 |
| Cost of funding earning assets | 0.4127% | 3,127 |
| Net interest margin | 3.7146% | 2,649 |
| Noninterest income to average assets | 0.0997% | 6,029 |
| Noninterest expense to average assets | 3.4208% | 1,440 |
| Loan and lease loss provision to assets | 0.2493% | 703 |
| Net operating income to assets | -0.4288% | 6,171 |
| Return on assets (ROA) | -0.4288% | 6,184 |
| Pretax return on assets | -0.4288% | 6,173 |
| Return on Equity (ROE) | -7.7130% | 6,230 |
| Retained earnings to average equity (ytd only) | -7.7130% | 6,118 |
| Net charge-offs to loans | 1.6024% | 104 |
| Credit loss provision to net charge-offs | 30.4878% | 2,924 |
| Earnings coverage of net charge-offs (x) | -0.2195% | 3,727 |
| Efficiency ratio | 105.5385% | 227 |
| Assets per employee ($millions) | 3.9818% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4217% | 533 |
| Loan loss allowance to noncurrent loans | 152.6316% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 7.7101% | 99 |
| Noncurrent loans to loans | 1.5866% | 1,655 |
| Net loans and leases to total assets | 46.9536% | 5,179 |
| Net loans and leases to deposits | 49.8321% | 5,512 |
| Net loans and leases to core deposits | 49.8321% | 5,623 |
| Total domestic deposits to total assets | 94.2237% | 28 |
| Equity capital to assets | 5.5352% | 6,283 |
| Core capital (leverage) ratio | 5.4921% | 6,287 |
| Tier 1 risk-based capital ratio | 10.5466% | 5,901 |
| Total risk-based capital ratio | 11.7975% | 5,849 |
| Memoranda: |
| Average total assets | $20,054,000 | 6,257 |
| Average earning assets | $16,960,000 | 6,257 |
| Average equity | $1,115,000 | 6,334 |
| Average total loans | $10,234,670 | 6,159 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1462% | 2,644 |
| Cost of funding earning assets | 0.4451% | 2,824 |
| Net interest margin | 3.7011% | 2,614 |
| Noninterest income to average assets | -0.3180% | 6,391 |
| Noninterest expense to average assets | 3.3588% | 1,581 |
| Loan and lease loss provision to assets | 0.3975% | 298 |
| Net operating income to assets | -0.9341% | 6,311 |
| Return on assets (ROA) | -0.9341% | 6,315 |
| Pretax return on assets | -0.9341% | 6,305 |
| Return on Equity (ROE) | -16.7633% | 6,351 |
| Retained earnings to average equity (ytd only) | -16.7633% | 6,242 |
| Net charge-offs to loans | 0.0757% | 1,950 |
| Credit loss provision to net charge-offs | 1,000.0000% | 329 |
| Earnings coverage of net charge-offs (x) | -13.5000% | 3,255 |
| Efficiency ratio | 119.0141% | 137 |
| Assets per employee ($millions) | 4.1100% | 3,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9702% | 305 |
| Loan loss allowance to noncurrent loans | 56.1243% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 8.1898% | 95 |
| Noncurrent loans to loans | 5.2922% | 234 |
| Net loans and leases to total assets | 48.8029% | 4,953 |
| Net loans and leases to deposits | 51.6719% | 5,353 |
| Net loans and leases to core deposits | 51.6719% | 5,511 |
| Total domestic deposits to total assets | 94.4477% | 23 |
| Equity capital to assets | 5.3723% | 6,358 |
| Core capital (leverage) ratio | 5.3043% | 6,356 |
| Tier 1 risk-based capital ratio | 9.8096% | 6,210 |
| Total risk-based capital ratio | 10.9324% | 6,208 |
| Memoranda: |
| Average total assets | $20,126,500 | 6,320 |
| Average earning assets | $17,076,000 | 6,319 |
| Average equity | $1,121,500 | 6,401 |
| Average total loans | $10,562,000 | 6,219 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5940% | 1,574 |
| Cost of funding earning assets | 0.4779% | 2,903 |
| Net interest margin | 4.1161% | 1,522 |
| Noninterest income to average assets | -0.1501% | 6,469 |
| Noninterest expense to average assets | 3.7830% | 1,010 |
| Loan and lease loss provision to assets | 0.1001% | 2,488 |
| Net operating income to assets | -0.5855% | 6,319 |
| Return on assets (ROA) | -0.5855% | 6,318 |
| Pretax return on assets | -0.5855% | 6,306 |
| Return on Equity (ROE) | -9.6726% | 6,357 |
| Retained earnings to average equity (ytd only) | -9.6726% | 6,305 |
| Net charge-offs to loans | 0.6350% | 613 |
| Credit loss provision to net charge-offs | 27.3973% | 3,882 |
| Earnings coverage of net charge-offs (x) | -1.3288% | 4,812 |
| Efficiency ratio | 114.7193% | 164 |
| Assets per employee ($millions) | 3.9406% | 4,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6789% | 438 |
| Loan loss allowance to noncurrent loans | 169.0058% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 6.7959% | 159 |
| Noncurrent loans to loans | 1.5851% | 1,842 |
| Net loans and leases to total assets | 53.2863% | 4,660 |
| Net loans and leases to deposits | 56.6350% | 5,142 |
| Net loans and leases to core deposits | 56.6350% | 5,342 |
| Total domestic deposits to total assets | 94.0872% | 31 |
| Equity capital to assets | 5.7808% | 6,425 |
| Core capital (leverage) ratio | 5.7847% | 6,422 |
| Tier 1 risk-based capital ratio | 10.4151% | 6,135 |
| Total risk-based capital ratio | 11.6862% | 6,072 |
| Memoranda: |
| Average total assets | $19,984,200 | 6,413 |
| Average earning assets | $16,739,200 | 6,413 |
| Average equity | $1,209,600 | 6,485 |
| Average total loans | $11,496,000 | 6,265 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6281% | 1,493 |
| Cost of funding earning assets | 0.4913% | 2,849 |
| Net interest margin | 4.1367% | 1,470 |
| Noninterest income to average assets | -0.1596% | 6,543 |
| Noninterest expense to average assets | 3.8361% | 922 |
| Loan and lease loss provision to assets | 0.1330% | 1,882 |
| Net operating income to assets | -0.6582% | 6,413 |
| Return on assets (ROA) | -0.6582% | 6,411 |
| Pretax return on assets | -0.6582% | 6,397 |
| Return on Equity (ROE) | -10.7558% | 6,450 |
| Retained earnings to average equity (ytd only) | -10.7558% | 6,387 |
| Net charge-offs to loans | 0.8909% | 368 |
| Credit loss provision to net charge-offs | 25.6410% | 3,513 |
| Earnings coverage of net charge-offs (x) | -1.0128% | 4,529 |
| Efficiency ratio | 115.8635% | 163 |
| Assets per employee ($millions) | 2.8151% | 5,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5753% | 594 |
| Loan loss allowance to noncurrent loans | 114.5161% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 8.3325% | 125 |
| Noncurrent loans to loans | 2.2488% | 1,341 |
| Net loans and leases to total assets | 54.5215% | 4,516 |
| Net loans and leases to deposits | 58.1008% | 5,096 |
| Net loans and leases to core deposits | 58.1008% | 5,323 |
| Total domestic deposits to total assets | 93.8394% | 45 |
| Equity capital to assets | 5.8713% | 6,490 |
| Core capital (leverage) ratio | 5.8372% | 6,491 |
| Tier 1 risk-based capital ratio | 10.2398% | 6,286 |
| Total risk-based capital ratio | 11.5054% | 6,245 |
| Memoranda: |
| Average total assets | $20,054,500 | 6,488 |
| Average earning assets | $16,824,500 | 6,492 |
| Average equity | $1,227,250 | 6,563 |
| Average total loans | $11,673,000 | 6,330 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6178% | 1,485 |
| Cost of funding earning assets | 0.5091% | 2,738 |
| Net interest margin | 4.1087% | 1,482 |
| Noninterest income to average assets | 0.5354% | 3,234 |
| Noninterest expense to average assets | 3.8472% | 912 |
| Loan and lease loss provision to assets | 0.1983% | 1,223 |
| Net operating income to assets | -0.0694% | 6,239 |
| Return on assets (ROA) | -0.0694% | 6,251 |
| Pretax return on assets | -0.0694% | 6,237 |
| Return on Equity (ROE) | -1.1194% | 6,279 |
| Retained earnings to average equity (ytd only) | -1.1194% | 5,868 |
| Net charge-offs to loans | 1.3627% | 216 |
| Credit loss provision to net charge-offs | 24.6914% | 3,124 |
| Earnings coverage of net charge-offs (x) | 0.1605% | 4,101 |
| Efficiency ratio | 96.7581% | 521 |
| Assets per employee ($millions) | 2.8831% | 5,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4279% | 783 |
| Loan loss allowance to noncurrent loans | 93.0464% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 8.8941% | 119 |
| Noncurrent loans to loans | 2.6093% | 1,170 |
| Net loans and leases to total assets | 55.9558% | 4,292 |
| Net loans and leases to deposits | 59.8083% | 4,882 |
| Net loans and leases to core deposits | 59.8083% | 5,139 |
| Total domestic deposits to total assets | 93.5586% | 63 |
| Equity capital to assets | 6.2184% | 6,514 |
| Core capital (leverage) ratio | 6.1213% | 6,522 |
| Tier 1 risk-based capital ratio | 10.5020% | 6,249 |
| Total risk-based capital ratio | 11.7632% | 6,193 |
| Memoranda: |
| Average total assets | $20,170,670 | 6,549 |
| Average earning assets | $16,891,000 | 6,558 |
| Average equity | $1,250,670 | 6,625 |
| Average total loans | $11,888,000 | 6,387 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7346% | 1,184 |
| Cost of funding earning assets | 0.5022% | 2,885 |
| Net interest margin | 4.2324% | 1,135 |
| Noninterest income to average assets | 0.3372% | 4,677 |
| Noninterest expense to average assets | 3.9474% | 805 |
| Loan and lease loss provision to assets | 0.2182% | 1,041 |
| Net operating income to assets | -0.3174% | 6,410 |
| Return on assets (ROA) | -0.3174% | 6,410 |
| Pretax return on assets | -0.3174% | 6,399 |
| Return on Equity (ROE) | -5.1262% | 6,472 |
| Retained earnings to average equity (ytd only) | -5.1262% | 6,129 |
| Net charge-offs to loans | 1.8265% | 152 |
| Credit loss provision to net charge-offs | 20.0000% | 2,498 |
| Earnings coverage of net charge-offs (x) | -0.0909% | 3,441 |
| Efficiency ratio | 102.5773% | 408 |
| Assets per employee ($millions) | 2.9051% | 5,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5107% | 804 |
| Loan loss allowance to noncurrent loans | 86.6279% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 10.3265% | 108 |
| Noncurrent loans to loans | 2.8983% | 1,122 |
| Net loans and leases to total assets | 56.8991% | 4,019 |
| Net loans and leases to deposits | 60.7178% | 4,688 |
| Net loans and leases to core deposits | 60.7178% | 4,978 |
| Total domestic deposits to total assets | 93.7107% | 72 |
| Equity capital to assets | 6.1172% | 6,561 |
| Core capital (leverage) ratio | 6.0441% | 6,581 |
| Tier 1 risk-based capital ratio | 9.9542% | 6,488 |
| Total risk-based capital ratio | 11.2146% | 6,458 |
| Memoranda: |
| Average total assets | $20,165,000 | 6,620 |
| Average earning assets | $16,728,000 | 6,630 |
| Average equity | $1,248,500 | 6,691 |
| Average total loans | $12,045,000 | 6,442 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9652% | 982 |
| Cost of funding earning assets | 0.6448% | 2,251 |
| Net interest margin | 4.3204% | 1,056 |
| Noninterest income to average assets | 0.0432% | 6,569 |
| Noninterest expense to average assets | 4.0967% | 778 |
| Loan and lease loss provision to assets | 0.5859% | 436 |
| Net operating income to assets | -1.0998% | 6,624 |
| Return on assets (ROA) | -1.0662% | 6,617 |
| Pretax return on assets | -1.0662% | 6,603 |
| Return on Equity (ROE) | -17.1032% | 6,667 |
| Retained earnings to average equity (ytd only) | -17.1032% | 6,645 |
| Net charge-offs to loans | 1.2744% | 404 |
| Credit loss provision to net charge-offs | 73.9394% | 3,201 |
| Earnings coverage of net charge-offs (x) | -0.6485% | 5,225 |
| Efficiency ratio | 114.3432% | 223 |
| Assets per employee ($millions) | 2.8563% | 6,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7985% | 604 |
| Loan loss allowance to noncurrent loans | 93.1880% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 10.7432% | 111 |
| Noncurrent loans to loans | 3.0030% | 1,147 |
| Net loans and leases to total assets | 59.4128% | 3,809 |
| Net loans and leases to deposits | 63.5207% | 4,560 |
| Net loans and leases to core deposits | 63.5207% | 4,916 |
| Total domestic deposits to total assets | 93.5331% | 98 |
| Equity capital to assets | 6.2669% | 6,592 |
| Core capital (leverage) ratio | 6.2794% | 6,624 |
| Tier 1 risk-based capital ratio | 10.0144% | 6,515 |
| Total risk-based capital ratio | 11.2821% | 6,471 |
| Memoranda: |
| Average total assets | $20,821,400 | 6,690 |
| Average earning assets | $17,058,800 | 6,701 |
| Average equity | $1,298,000 | 6,777 |
| Average total loans | $12,947,200 | 6,490 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9486% | 1,031 |
| Cost of funding earning assets | 0.6748% | 2,141 |
| Net interest margin | 4.2738% | 1,154 |
| Noninterest income to average assets | -0.0380% | 6,786 |
| Noninterest expense to average assets | 4.2101% | 679 |
| Loan and lease loss provision to assets | 0.7228% | 302 |
| Net operating income to assets | -1.4773% | 6,759 |
| Return on assets (ROA) | -1.4773% | 6,763 |
| Pretax return on assets | -1.4773% | 6,755 |
| Return on Equity (ROE) | -23.7281% | 6,790 |
| Retained earnings to average equity (ytd only) | -23.7281% | 6,778 |
| Net charge-offs to loans | 0.9343% | 616 |
| Credit loss provision to net charge-offs | 123.9130% | 1,899 |
| Earnings coverage of net charge-offs (x) | -1.2935% | 5,033 |
| Efficiency ratio | 121.8349% | 163 |
| Assets per employee ($millions) | 2.8874% | 6,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1624% | 469 |
| Loan loss allowance to noncurrent loans | 63.7931% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 11.8939% | 92 |
| Noncurrent loans to loans | 4.9573% | 610 |
| Net loans and leases to total assets | 61.6614% | 3,426 |
| Net loans and leases to deposits | 65.9174% | 4,317 |
| Net loans and leases to core deposits | 65.9174% | 4,721 |
| Total domestic deposits to total assets | 93.5434% | 91 |
| Equity capital to assets | 6.2042% | 6,672 |
| Core capital (leverage) ratio | 6.0824% | 6,709 |
| Tier 1 risk-based capital ratio | 9.6474% | 6,666 |
| Total risk-based capital ratio | 10.9182% | 6,643 |
| Memoranda: |
| Average total assets | $21,028,250 | 6,761 |
| Average earning assets | $17,189,750 | 6,776 |
| Average equity | $1,309,250 | 6,855 |
| Average total loans | $13,128,750 | 6,552 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9136% | 1,063 |
| Cost of funding earning assets | 0.6659% | 2,351 |
| Net interest margin | 4.2477% | 1,148 |
| Noninterest income to average assets | 0.1408% | 6,347 |
| Noninterest expense to average assets | 4.2628% | 651 |
| Loan and lease loss provision to assets | 1.0704% | 162 |
| Net operating income to assets | -1.7183% | 6,828 |
| Return on assets (ROA) | -1.7183% | 6,830 |
| Pretax return on assets | -1.7183% | 6,821 |
| Return on Equity (ROE) | -27.5671% | 6,854 |
| Retained earnings to average equity (ytd only) | -27.5671% | 6,838 |
| Net charge-offs to loans | 1.4226% | 384 |
| Credit loss provision to net charge-offs | 121.2766% | 1,842 |
| Earnings coverage of net charge-offs (x) | -0.7340% | 4,687 |
| Efficiency ratio | 117.9221% | 200 |
| Assets per employee ($millions) | 2.9304% | 5,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1464% | 500 |
| Loan loss allowance to noncurrent loans | 105.1948% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 11.8461% | 105 |
| Noncurrent loans to loans | 2.9910% | 1,489 |
| Net loans and leases to total assets | 60.7761% | 3,523 |
| Net loans and leases to deposits | 65.0305% | 4,372 |
| Net loans and leases to core deposits | 65.0305% | 4,785 |
| Total domestic deposits to total assets | 93.4578% | 89 |
| Equity capital to assets | 6.3228% | 6,713 |
| Core capital (leverage) ratio | 6.2458% | 6,726 |
| Tier 1 risk-based capital ratio | 9.8953% | 6,655 |
| Total risk-based capital ratio | 11.1714% | 6,630 |
| Memoranda: |
| Average total assets | $21,300,330 | 6,808 |
| Average earning assets | $17,421,000 | 6,817 |
| Average equity | $1,327,670 | 6,902 |
| Average total loans | $13,215,000 | 6,594 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6387% | 1,716 |
| Cost of funding earning assets | 0.7206% | 2,055 |
| Net interest margin | 3.9181% | 2,059 |
| Noninterest income to average assets | 0.4425% | 4,159 |
| Noninterest expense to average assets | 4.2777% | 644 |
| Loan and lease loss provision to assets | 1.7332% | 76 |
| Net operating income to assets | -2.3601% | 6,939 |
| Return on assets (ROA) | -2.3601% | 6,940 |
| Pretax return on assets | -2.3601% | 6,930 |
| Return on Equity (ROE) | -38.1236% | 6,950 |
| Retained earnings to average equity (ytd only) | -38.1236% | 6,928 |
| Net charge-offs to loans | 1.2550% | 455 |
| Credit loss provision to net charge-offs | 223.8095% | 1,006 |
| Earnings coverage of net charge-offs (x) | -0.8095% | 3,951 |
| Efficiency ratio | 117.1717% | 238 |
| Assets per employee ($millions) | 3.1230% | 5,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3387% | 482 |
| Loan loss allowance to noncurrent loans | 78.7387% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 13.4120% | 102 |
| Noncurrent loans to loans | 4.2402% | 1,023 |
| Net loans and leases to total assets | 57.8748% | 3,795 |
| Net loans and leases to deposits | 61.6389% | 4,602 |
| Net loans and leases to core deposits | 61.6389% | 4,987 |
| Total domestic deposits to total assets | 93.8932% | 79 |
| Equity capital to assets | 5.8460% | 6,835 |
| Core capital (leverage) ratio | 5.6117% | 6,835 |
| Tier 1 risk-based capital ratio | 9.1088% | 6,801 |
| Total risk-based capital ratio | 10.3840% | 6,796 |
| Memoranda: |
| Average total assets | $21,694,000 | 6,879 |
| Average earning assets | $17,763,500 | 6,887 |
| Average equity | $1,343,000 | 6,969 |
| Average total loans | $13,386,500 | 6,648 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4345% | 711 |
| Cost of funding earning assets | 0.8913% | 1,985 |
| Net interest margin | 4.5432% | 870 |
| Noninterest income to average assets | -0.1757% | 6,946 |
| Noninterest expense to average assets | 3.7080% | 1,400 |
| Loan and lease loss provision to assets | 0.2867% | 2,369 |
| Net operating income to assets | -0.5409% | 6,591 |
| Return on assets (ROA) | -0.5409% | 6,623 |
| Pretax return on assets | -0.5409% | 6,589 |
| Return on Equity (ROE) | -7.9733% | 6,681 |
| Retained earnings to average equity (ytd only) | -7.9733% | 6,571 |
| Net charge-offs to loans | 1.3676% | 682 |
| Credit loss provision to net charge-offs | 33.1551% | 5,060 |
| Earnings coverage of net charge-offs (x) | -0.2941% | 5,614 |
| Efficiency ratio | 107.3628% | 384 |
| Assets per employee ($millions) | 3.0753% | 5,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8135% | 811 |
| Loan loss allowance to noncurrent loans | 57.8947% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 15.1391% | 79 |
| Noncurrent loans to loans | 4.8597% | 840 |
| Net loans and leases to total assets | 61.7782% | 3,288 |
| Net loans and leases to deposits | 66.2532% | 4,247 |
| Net loans and leases to core deposits | 66.2532% | 4,716 |
| Total domestic deposits to total assets | 93.2457% | 106 |
| Equity capital to assets | 6.5406% | 6,837 |
| Core capital (leverage) ratio | 6.3617% | 6,816 |
| Tier 1 risk-based capital ratio | 9.7537% | 6,757 |
| Total risk-based capital ratio | 11.0207% | 6,729 |
| Memoranda: |
| Average total assets | $21,628,800 | 6,937 |
| Average earning assets | $17,278,400 | 6,948 |
| Average equity | $1,467,400 | 7,029 |
| Average total loans | $13,673,600 | 6,707 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4997% | 676 |
| Cost of funding earning assets | 0.9373% | 1,940 |
| Net interest margin | 4.5624% | 882 |
| Noninterest income to average assets | -0.3510% | 7,103 |
| Noninterest expense to average assets | 3.5527% | 1,648 |
| Loan and lease loss provision to assets | 0.2278% | 2,782 |
| Net operating income to assets | -0.5049% | 6,702 |
| Return on assets (ROA) | -0.5049% | 6,733 |
| Pretax return on assets | -0.5049% | 6,706 |
| Return on Equity (ROE) | -7.3759% | 6,796 |
| Retained earnings to average equity (ytd only) | -7.3759% | 6,731 |
| Net charge-offs to loans | 0.9655% | 1,107 |
| Credit loss provision to net charge-offs | 37.3737% | 4,672 |
| Earnings coverage of net charge-offs (x) | -0.4545% | 5,485 |
| Efficiency ratio | 108.4586% | 333 |
| Assets per employee ($millions) | 3.0946% | 5,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3671% | 524 |
| Loan loss allowance to noncurrent loans | 58.6162% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 15.8942% | 76 |
| Noncurrent loans to loans | 5.7443% | 735 |
| Net loans and leases to total assets | 59.4867% | 3,881 |
| Net loans and leases to deposits | 63.9631% | 4,714 |
| Net loans and leases to core deposits | 63.9631% | 5,149 |
| Total domestic deposits to total assets | 93.0016% | 111 |
| Equity capital to assets | 6.6707% | 6,922 |
| Core capital (leverage) ratio | 6.4639% | 6,891 |
| Tier 1 risk-based capital ratio | 10.0035% | 6,801 |
| Total risk-based capital ratio | 11.2779% | 6,773 |
| Memoranda: |
| Average total assets | $21,654,250 | 7,027 |
| Average earning assets | $17,212,500 | 7,044 |
| Average equity | $1,482,250 | 7,122 |
| Average total loans | $13,671,000 | 6,802 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5232% | 684 |
| Cost of funding earning assets | 0.9515% | 2,056 |
| Net interest margin | 4.5717% | 874 |
| Noninterest income to average assets | 0.0185% | 6,950 |
| Noninterest expense to average assets | 3.6579% | 1,454 |
| Loan and lease loss provision to assets | 0.2771% | 2,372 |
| Net operating income to assets | -0.2771% | 6,598 |
| Return on assets (ROA) | -0.2771% | 6,660 |
| Pretax return on assets | -0.2771% | 6,624 |
| Return on Equity (ROE) | -4.0143% | 6,724 |
| Retained earnings to average equity (ytd only) | -4.0143% | 6,549 |
| Net charge-offs to loans | -0.0580% | 6,702 |
| Credit loss provision to net charge-offs | -750.0000% | 6,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 559 |
| Assets per employee ($millions) | 3.1084% | 5,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9145% | 364 |
| Loan loss allowance to noncurrent loans | 58.2441% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 16.5954% | 74 |
| Noncurrent loans to loans | 6.7209% | 601 |
| Net loans and leases to total assets | 61.3677% | 3,557 |
| Net loans and leases to deposits | 66.1367% | 4,496 |
| Net loans and leases to core deposits | 66.1367% | 4,987 |
| Total domestic deposits to total assets | 92.7892% | 141 |
| Equity capital to assets | 6.8799% | 6,929 |
| Core capital (leverage) ratio | 6.6218% | 6,901 |
| Tier 1 risk-based capital ratio | 10.1814% | 6,778 |
| Total risk-based capital ratio | 11.4601% | 6,755 |
| Memoranda: |
| Average total assets | $21,651,670 | 7,085 |
| Average earning assets | $17,236,330 | 7,104 |
| Average equity | $1,494,670 | 7,178 |
| Average total loans | $13,783,000 | 6,850 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5900% | 639 |
| Cost of funding earning assets | 0.9783% | 2,114 |
| Net interest margin | 4.6118% | 807 |
| Noninterest income to average assets | -0.4630% | 7,245 |
| Noninterest expense to average assets | 3.6855% | 1,401 |
| Loan and lease loss provision to assets | 0.3704% | 1,705 |
| Net operating income to assets | -0.8519% | 6,970 |
| Return on assets (ROA) | -0.8519% | 6,985 |
| Pretax return on assets | -0.8519% | 6,945 |
| Return on Equity (ROE) | -12.3201% | 7,029 |
| Retained earnings to average equity (ytd only) | -12.3201% | 6,907 |
| Net charge-offs to loans | -0.0583% | 6,589 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.0289% | 274 |
| Assets per employee ($millions) | 2.4402% | 6,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9475% | 384 |
| Loan loss allowance to noncurrent loans | 58.6549% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 16.3191% | 86 |
| Noncurrent loans to loans | 6.7300% | 696 |
| Net loans and leases to total assets | 58.9427% | 3,864 |
| Net loans and leases to deposits | 63.3534% | 4,722 |
| Net loans and leases to core deposits | 63.3534% | 5,191 |
| Total domestic deposits to total assets | 93.0380% | 141 |
| Equity capital to assets | 6.7070% | 6,977 |
| Core capital (leverage) ratio | 6.5541% | 6,960 |
| Tier 1 risk-based capital ratio | 10.7227% | 6,657 |
| Total risk-based capital ratio | 12.0039% | 6,633 |
| Memoranda: |
| Average total assets | $21,598,000 | 7,145 |
| Average earning assets | $17,173,500 | 7,169 |
| Average equity | $1,493,500 | 7,235 |
| Average total loans | $13,726,000 | 6,909 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2094% | 296 |
| Cost of funding earning assets | 1.2039% | 2,002 |
| Net interest margin | 5.0055% | 412 |
| Noninterest income to average assets | 0.1616% | 6,336 |
| Noninterest expense to average assets | 3.9716% | 1,081 |
| Loan and lease loss provision to assets | 0.1663% | 4,561 |
| Net operating income to assets | -0.0785% | 6,142 |
| Return on assets (ROA) | -0.0785% | 6,219 |
| Pretax return on assets | -0.0785% | 6,197 |
| Return on Equity (ROE) | -1.1703% | 6,261 |
| Retained earnings to average equity (ytd only) | -1.1703% | 6,039 |
| Net charge-offs to loans | 1.0266% | 1,701 |
| Credit loss provision to net charge-offs | 24.6575% | 5,857 |
| Earnings coverage of net charge-offs (x) | 0.1301% | 5,736 |
| Efficiency ratio | 97.8385% | 733 |
| Assets per employee ($millions) | 2.3593% | 6,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6494% | 485 |
| Loan loss allowance to noncurrent loans | 178.9474% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 14.9148% | 123 |
| Noncurrent loans to loans | 2.0394% | 3,158 |
| Net loans and leases to total assets | 63.4125% | 3,305 |
| Net loans and leases to deposits | 68.4545% | 4,372 |
| Net loans and leases to core deposits | 68.4545% | 4,977 |
| Total domestic deposits to total assets | 92.6345% | 164 |
| Equity capital to assets | 7.1301% | 6,929 |
| Core capital (leverage) ratio | 7.0389% | 6,848 |
| Tier 1 risk-based capital ratio | 10.5082% | 6,680 |
| Total risk-based capital ratio | 11.7874% | 6,651 |
| Memoranda: |
| Average total assets | $21,654,000 | 7,168 |
| Average earning assets | $16,861,600 | 7,209 |
| Average equity | $1,452,600 | 7,295 |
| Average total loans | $14,222,200 | 6,942 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1793% | 340 |
| Cost of funding earning assets | 1.2548% | 1,966 |
| Net interest margin | 4.9245% | 484 |
| Noninterest income to average assets | 0.4228% | 4,493 |
| Noninterest expense to average assets | 3.8849% | 1,178 |
| Loan and lease loss provision to assets | 0.2206% | 3,809 |
| Net operating income to assets | 0.1410% | 5,861 |
| Return on assets (ROA) | 0.1410% | 5,986 |
| Pretax return on assets | 0.1410% | 6,024 |
| Return on Equity (ROE) | 2.1339% | 5,728 |
| Retained earnings to average equity (ytd only) | 2.1339% | 5,069 |
| Net charge-offs to loans | 1.1668% | 1,349 |
| Credit loss provision to net charge-offs | 28.8000% | 5,429 |
| Earnings coverage of net charge-offs (x) | 0.4720% | 5,268 |
| Efficiency ratio | 91.4863% | 1,071 |
| Assets per employee ($millions) | 2.3599% | 7,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7796% | 462 |
| Loan loss allowance to noncurrent loans | 91.3941% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 16.7240% | 94 |
| Noncurrent loans to loans | 4.1355% | 1,595 |
| Net loans and leases to total assets | 63.6471% | 3,386 |
| Net loans and leases to deposits | 68.9096% | 4,462 |
| Net loans and leases to core deposits | 68.9096% | 5,071 |
| Total domestic deposits to total assets | 92.3631% | 172 |
| Equity capital to assets | 7.3356% | 6,974 |
| Core capital (leverage) ratio | 7.1746% | 6,906 |
| Tier 1 risk-based capital ratio | 10.7583% | 6,685 |
| Total risk-based capital ratio | 12.0409% | 6,649 |
| Memoranda: |
| Average total assets | $21,759,000 | 7,238 |
| Average earning assets | $16,894,750 | 7,284 |
| Average equity | $1,437,250 | 7,372 |
| Average total loans | $14,284,000 | 7,008 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1428% | 358 |
| Cost of funding earning assets | 1.3130% | 1,865 |
| Net interest margin | 4.8298% | 579 |
| Noninterest income to average assets | 0.3830% | 4,817 |
| Noninterest expense to average assets | 3.7844% | 1,370 |
| Loan and lease loss provision to assets | 0.3283% | 2,818 |
| Net operating income to assets | 0.0274% | 6,177 |
| Return on assets (ROA) | 0.0274% | 6,254 |
| Pretax return on assets | 0.0274% | 6,229 |
| Return on Equity (ROE) | 0.4295% | 6,206 |
| Retained earnings to average equity (ytd only) | 0.4295% | 5,674 |
| Net charge-offs to loans | 1.7267% | 829 |
| Credit loss provision to net charge-offs | 29.0323% | 5,005 |
| Earnings coverage of net charge-offs (x) | 0.3145% | 5,075 |
| Efficiency ratio | 91.4097% | 1,138 |
| Assets per employee ($millions) | 2.3944% | 7,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7391% | 499 |
| Loan loss allowance to noncurrent loans | 69.5425% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 16.5615% | 113 |
| Noncurrent loans to loans | 5.3767% | 1,183 |
| Net loans and leases to total assets | 63.5545% | 3,568 |
| Net loans and leases to deposits | 68.2548% | 4,667 |
| Net loans and leases to core deposits | 68.2548% | 5,270 |
| Total domestic deposits to total assets | 93.1137% | 128 |
| Equity capital to assets | 6.6357% | 7,162 |
| Core capital (leverage) ratio | 6.4721% | 7,130 |
| Tier 1 risk-based capital ratio | 9.6653% | 7,069 |
| Total risk-based capital ratio | 10.9426% | 7,067 |
| Memoranda: |
| Average total assets | $21,932,330 | 7,305 |
| Average earning assets | $17,060,670 | 7,349 |
| Average equity | $1,397,000 | 7,447 |
| Average total loans | $14,362,330 | 7,070 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1104% | 393 |
| Cost of funding earning assets | 1.3993% | 1,612 |
| Net interest margin | 4.7111% | 687 |
| Noninterest income to average assets | 0.3254% | 5,315 |
| Noninterest expense to average assets | 3.7969% | 1,344 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1808% | 5,845 |
| Return on assets (ROA) | 0.1808% | 5,902 |
| Pretax return on assets | 0.1808% | 5,984 |
| Return on Equity (ROE) | 2.8975% | 5,421 |
| Retained earnings to average equity (ytd only) | 2.8975% | 4,422 |
| Net charge-offs to loans | 2.7167% | 402 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.1020% | 4,522 |
| Efficiency ratio | 95.4545% | 954 |
| Assets per employee ($millions) | 2.4878% | 7,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6112% | 555 |
| Loan loss allowance to noncurrent loans | 68.0574% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 16.4806% | 116 |
| Noncurrent loans to loans | 5.3061% | 1,245 |
| Net loans and leases to total assets | 62.2287% | 3,802 |
| Net loans and leases to deposits | 66.5250% | 4,894 |
| Net loans and leases to core deposits | 67.9062% | 5,299 |
| Total domestic deposits to total assets | 93.5418% | 96 |
| Equity capital to assets | 6.1858% | 7,265 |
| Core capital (leverage) ratio | 6.3228% | 7,205 |
| Tier 1 risk-based capital ratio | 9.5971% | 7,126 |
| Total risk-based capital ratio | 10.8726% | 7,127 |
| Memoranda: |
| Average total assets | $22,123,500 | 7,358 |
| Average earning assets | $17,151,000 | 7,403 |
| Average equity | $1,380,500 | 7,504 |
| Average total loans | $14,429,500 | 7,119 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4744% | 331 |
| Cost of funding earning assets | 1.7779% | 1,264 |
| Net interest margin | 4.6965% | 822 |
| Noninterest income to average assets | -0.1541% | 7,440 |
| Noninterest expense to average assets | 4.2383% | 868 |
| Loan and lease loss provision to assets | 1.3057% | 1,175 |
| Net operating income to assets | -1.9436% | 7,044 |
| Return on assets (ROA) | -1.9436% | 7,056 |
| Pretax return on assets | -1.9436% | 7,008 |
| Return on Equity (ROE) | -27.8254% | 7,185 |
| Retained earnings to average equity (ytd only) | -27.8254% | 7,173 |
| Net charge-offs to loans | 0.8757% | 2,439 |
| Credit loss provision to net charge-offs | 217.8571% | 1,385 |
| Earnings coverage of net charge-offs (x) | -1.0643% | 6,621 |
| Efficiency ratio | 117.7170% | 433 |
| Assets per employee ($millions) | 2.4286% | 7,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.3044% | 309 |
| Loan loss allowance to noncurrent loans | 138.0846% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 17.5596% | 105 |
| Noncurrent loans to loans | 3.1172% | 2,450 |
| Net loans and leases to total assets | 63.0645% | 4,057 |
| Net loans and leases to deposits | 67.4661% | 5,173 |
| Net loans and leases to core deposits | 67.4661% | 5,718 |
| Total domestic deposits to total assets | 93.4758% | 110 |
| Equity capital to assets | 6.2955% | 7,293 |
| Core capital (leverage) ratio | 6.3262% | 7,236 |
| Tier 1 risk-based capital ratio | 9.3908% | 7,165 |
| Total risk-based capital ratio | 10.6810% | 7,161 |
| Memoranda: |
| Average total assets | $23,358,400 | 7,385 |
| Average earning assets | $18,673,600 | 7,435 |
| Average equity | $1,631,600 | 7,561 |
| Average total loans | $15,987,800 | 7,121 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4433% | 379 |
| Cost of funding earning assets | 1.8578% | 1,174 |
| Net interest margin | 4.5854% | 1,077 |
| Noninterest income to average assets | -0.1629% | 7,570 |
| Noninterest expense to average assets | 4.1066% | 929 |
| Loan and lease loss provision to assets | 0.7809% | 1,950 |
| Net operating income to assets | -1.3482% | 7,054 |
| Return on assets (ROA) | -1.3539% | 7,079 |
| Pretax return on assets | -1.3539% | 6,995 |
| Return on Equity (ROE) | -18.9519% | 7,202 |
| Retained earnings to average equity (ytd only) | -18.9519% | 7,182 |
| Net charge-offs to loans | 0.6348% | 2,846 |
| Credit loss provision to net charge-offs | 178.2051% | 2,067 |
| Earnings coverage of net charge-offs (x) | -1.2948% | 6,484 |
| Efficiency ratio | 116.0317% | 432 |
| Assets per employee ($millions) | 2.0280% | 7,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3885% | 583 |
| Loan loss allowance to noncurrent loans | 41.6129% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 18.3073% | 87 |
| Noncurrent loans to loans | 8.1429% | 625 |
| Net loans and leases to total assets | 65.9494% | 3,702 |
| Net loans and leases to deposits | 71.3724% | 4,930 |
| Net loans and leases to core deposits | 72.8317% | 5,419 |
| Total domestic deposits to total assets | 92.4018% | 137 |
| Equity capital to assets | 7.2844% | 7,235 |
| Core capital (leverage) ratio | 7.2056% | 7,056 |
| Tier 1 risk-based capital ratio | 10.6585% | 6,667 |
| Total risk-based capital ratio | 11.9376% | 6,631 |
| Memoranda: |
| Average total assets | $23,733,750 | 7,475 |
| Average earning assets | $19,161,500 | 7,517 |
| Average equity | $1,695,500 | 7,653 |
| Average total loans | $16,383,750 | 7,195 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4874% | 346 |
| Cost of funding earning assets | 1.9646% | 1,002 |
| Net interest margin | 4.5227% | 1,159 |
| Noninterest income to average assets | -0.3883% | 7,734 |
| Noninterest expense to average assets | 3.9407% | 1,116 |
| Loan and lease loss provision to assets | 1.1483% | 1,253 |
| Net operating income to assets | -1.8258% | 7,262 |
| Return on assets (ROA) | -1.8258% | 7,266 |
| Pretax return on assets | -1.8258% | 7,181 |
| Return on Equity (ROE) | -25.7126% | 7,380 |
| Retained earnings to average equity (ytd only) | -25.7126% | 7,364 |
| Net charge-offs to loans | 0.3339% | 3,660 |
| Credit loss provision to net charge-offs | 496.4286% | 749 |
| Earnings coverage of net charge-offs (x) | -2.9286% | 6,257 |
| Efficiency ratio | 120.7595% | 408 |
| Assets per employee ($millions) | 1.7576% | 7,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6625% | 486 |
| Loan loss allowance to noncurrent loans | 43.1402% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 17.3837% | 88 |
| Noncurrent loans to loans | 8.4897% | 589 |
| Net loans and leases to total assets | 65.1582% | 4,009 |
| Net loans and leases to deposits | 70.4424% | 5,215 |
| Net loans and leases to core deposits | 70.4424% | 5,833 |
| Total domestic deposits to total assets | 92.4986% | 152 |
| Equity capital to assets | 7.1994% | 7,274 |
| Core capital (leverage) ratio | 6.9982% | 7,193 |
| Tier 1 risk-based capital ratio | 10.4272% | 6,740 |
| Total risk-based capital ratio | 11.7077% | 6,701 |
| Memoranda: |
| Average total assets | $24,209,000 | 7,528 |
| Average earning assets | $19,545,670 | 7,573 |
| Average equity | $1,719,000 | 7,714 |
| Average total loans | $16,769,000 | 7,234 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6425% | 290 |
| Cost of funding earning assets | 2.0285% | 1,005 |
| Net interest margin | 4.6139% | 925 |
| Noninterest income to average assets | 0.3536% | 5,310 |
| Noninterest expense to average assets | 3.8571% | 1,234 |
| Loan and lease loss provision to assets | 0.5625% | 2,253 |
| Net operating income to assets | -0.3375% | 6,700 |
| Return on assets (ROA) | -0.3375% | 6,751 |
| Pretax return on assets | -0.3375% | 6,675 |
| Return on Equity (ROE) | -4.7836% | 6,872 |
| Retained earnings to average equity (ytd only) | -4.7836% | 6,573 |
| Net charge-offs to loans | 0.5509% | 2,427 |
| Credit loss provision to net charge-offs | 145.8333% | 2,436 |
| Earnings coverage of net charge-offs (x) | 0.5833% | 4,506 |
| Efficiency ratio | 94.4882% | 1,109 |
| Assets per employee ($millions) | 2.0714% | 7,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7502% | 1,037 |
| Loan loss allowance to noncurrent loans | 64.9930% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 13.7989% | 172 |
| Noncurrent loans to loans | 4.2316% | 1,812 |
| Net loans and leases to total assets | 66.2912% | 3,789 |
| Net loans and leases to deposits | 71.8434% | 5,073 |
| Net loans and leases to core deposits | 74.3659% | 5,460 |
| Total domestic deposits to total assets | 92.2718% | 199 |
| Equity capital to assets | 7.4225% | 7,123 |
| Core capital (leverage) ratio | 7.3442% | 6,989 |
| Tier 1 risk-based capital ratio | 10.9159% | 6,237 |
| Total risk-based capital ratio | 12.1820% | 6,200 |
| Memoranda: |
| Average total assets | $24,889,000 | 7,593 |
| Average earning assets | $20,113,000 | 7,645 |
| Average equity | $1,756,000 | 7,799 |
| Average total loans | $17,426,500 | 7,289 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6256% | 534 |
| Cost of funding earning assets | 2.5092% | 1,006 |
| Net interest margin | 4.1164% | 2,378 |
| Noninterest income to average assets | -0.6350% | 7,959 |
| Noninterest expense to average assets | 4.3266% | 957 |
| Loan and lease loss provision to assets | 1.9307% | 1,146 |
| Net operating income to assets | -3.1601% | 7,435 |
| Return on assets (ROA) | -3.1601% | 7,439 |
| Pretax return on assets | -3.4886% | 7,421 |
| Return on Equity (ROE) | -41.7195% | 7,594 |
| Retained earnings to average equity (ytd only) | -41.7195% | 7,582 |
| Net charge-offs to loans | 4.4258% | 337 |
| Credit loss provision to net charge-offs | 62.5598% | 6,604 |
| Earnings coverage of net charge-offs (x) | -0.5048% | 6,694 |
| Efficiency ratio | 156.2667% | 272 |
| Assets per employee ($millions) | 2.0768% | 7,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5406% | 1,176 |
| Loan loss allowance to noncurrent loans | 61.9891% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 14.6824% | 144 |
| Noncurrent loans to loans | 4.0985% | 1,795 |
| Net loans and leases to total assets | 70.0373% | 3,250 |
| Net loans and leases to deposits | 75.3529% | 4,835 |
| Net loans and leases to core deposits | 103.5600% | 3,619 |
| Total domestic deposits to total assets | 92.9457% | 134 |
| Equity capital to assets | 6.6891% | 7,508 |
| Core capital (leverage) ratio | 6.5199% | 7,483 |
| Tier 1 risk-based capital ratio | 9.2673% | 7,350 |
| Total risk-based capital ratio | 10.5348% | 7,338 |
| Memoranda: |
| Average total assets | $27,088,000 | 7,582 |
| Average earning assets | $22,398,000 | 7,636 |
| Average equity | $2,051,800 | 7,833 |
| Average total loans | $18,889,400 | 7,263 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5837% | 636 |
| Cost of funding earning assets | 2.5790% | 1,077 |
| Net interest margin | 4.0047% | 2,797 |
| Noninterest income to average assets | -0.2316% | 7,990 |
| Noninterest expense to average assets | 4.4251% | 806 |
| Loan and lease loss provision to assets | 1.4863% | 1,291 |
| Net operating income to assets | -2.3790% | 7,437 |
| Return on assets (ROA) | -2.3790% | 7,430 |
| Pretax return on assets | -2.8085% | 7,452 |
| Return on Equity (ROE) | -30.6015% | 7,620 |
| Retained earnings to average equity (ytd only) | -30.6015% | 7,605 |
| Net charge-offs to loans | 3.8394% | 376 |
| Credit loss provision to net charge-offs | 55.8984% | 6,229 |
| Earnings coverage of net charge-offs (x) | -0.4973% | 6,474 |
| Efficiency ratio | 142.6128% | 356 |
| Assets per employee ($millions) | 2.1388% | 7,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8810% | 735 |
| Loan loss allowance to noncurrent loans | 51.2695% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 15.0978% | 116 |
| Noncurrent loans to loans | 5.6193% | 1,106 |
| Net loans and leases to total assets | 68.9550% | 3,718 |
| Net loans and leases to deposits | 75.1380% | 5,191 |
| Net loans and leases to core deposits | 106.0840% | 3,691 |
| Total domestic deposits to total assets | 91.7712% | 210 |
| Equity capital to assets | 7.9093% | 6,935 |
| Core capital (leverage) ratio | 7.6304% | 6,826 |
| Tier 1 risk-based capital ratio | 11.2422% | 5,698 |
| Total risk-based capital ratio | 12.5104% | 5,629 |
| Memoranda: |
| Average total assets | $27,629,750 | 7,629 |
| Average earning assets | $23,005,750 | 7,692 |
| Average equity | $2,148,000 | 7,893 |
| Average total loans | $19,134,500 | 7,314 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5431% | 745 |
| Cost of funding earning assets | 2.6667% | 1,120 |
| Net interest margin | 3.8765% | 3,226 |
| Noninterest income to average assets | -0.3182% | 8,097 |
| Noninterest expense to average assets | 4.3699% | 875 |
| Loan and lease loss provision to assets | 1.4496% | 1,196 |
| Net operating income to assets | -2.2910% | 7,507 |
| Return on assets (ROA) | -2.2910% | 7,503 |
| Pretax return on assets | -2.9203% | 7,554 |
| Return on Equity (ROE) | -29.6252% | 7,701 |
| Retained earnings to average equity (ytd only) | -29.6252% | 7,678 |
| Net charge-offs to loans | 3.7143% | 400 |
| Credit loss provision to net charge-offs | 56.7867% | 5,647 |
| Earnings coverage of net charge-offs (x) | -0.5762% | 6,115 |
| Efficiency ratio | 150.7317% | 368 |
| Assets per employee ($millions) | 2.0787% | 7,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3225% | 441 |
| Loan loss allowance to noncurrent loans | 54.6429% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 15.0057% | 99 |
| Noncurrent loans to loans | 6.0803% | 893 |
| Net loans and leases to total assets | 65.8994% | 4,580 |
| Net loans and leases to deposits | 71.4291% | 5,819 |
| Net loans and leases to core deposits | 101.8823% | 4,288 |
| Total domestic deposits to total assets | 92.2584% | 175 |
| Equity capital to assets | 7.4344% | 7,322 |
| Core capital (leverage) ratio | 7.1920% | 7,367 |
| Tier 1 risk-based capital ratio | 10.5826% | 6,312 |
| Total risk-based capital ratio | 11.8574% | 6,222 |
| Memoranda: |
| Average total assets | $28,284,330 | 7,673 |
| Average earning assets | $23,475,000 | 7,747 |
| Average equity | $2,187,330 | 7,964 |
| Average total loans | $19,438,330 | 7,365 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2122% | 1,560 |
| Cost of funding earning assets | 2.7334% | 1,161 |
| Net interest margin | 3.4788% | 4,807 |
| Noninterest income to average assets | 0.0830% | 7,640 |
| Noninterest expense to average assets | 4.3853% | 803 |
| Loan and lease loss provision to assets | 1.1344% | 1,148 |
| Net operating income to assets | -1.2174% | 7,370 |
| Return on assets (ROA) | -1.2174% | 7,388 |
| Pretax return on assets | -2.5316% | 7,667 |
| Return on Equity (ROE) | -15.4623% | 7,621 |
| Retained earnings to average equity (ytd only) | -15.4623% | 7,457 |
| Net charge-offs to loans | 2.3462% | 621 |
| Credit loss provision to net charge-offs | 70.0855% | 4,349 |
| Earnings coverage of net charge-offs (x) | -0.8632% | 5,338 |
| Efficiency ratio | 146.7593% | 372 |
| Assets per employee ($millions) | 2.1958% | 7,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8042% | 258 |
| Loan loss allowance to noncurrent loans | 45.4997% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 15.2356% | 77 |
| Noncurrent loans to loans | 8.3610% | 414 |
| Net loans and leases to total assets | 64.9326% | 4,822 |
| Net loans and leases to deposits | 70.7092% | 5,901 |
| Net loans and leases to core deposits | 106.0901% | 3,899 |
| Total domestic deposits to total assets | 91.8304% | 206 |
| Equity capital to assets | 7.8648% | 6,989 |
| Core capital (leverage) ratio | 7.7392% | 6,839 |
| Tier 1 risk-based capital ratio | 11.2548% | 5,640 |
| Total risk-based capital ratio | 12.5332% | 5,528 |
| Memoranda: |
| Average total assets | $28,915,000 | 7,694 |
| Average earning assets | $24,146,000 | 7,761 |
| Average equity | $2,276,500 | 7,982 |
| Average total loans | $19,947,500 | 7,363 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0354% | 1,040 |
| Cost of funding earning assets | 3.2460% | 1,049 |
| Net interest margin | 3.7894% | 4,067 |
| Noninterest income to average assets | -0.0292% | 8,175 |
| Noninterest expense to average assets | 3.9124% | 1,541 |
| Loan and lease loss provision to assets | 3.9902% | 163 |
| Net operating income to assets | -4.4116% | 8,043 |
| Return on assets (ROA) | -4.4116% | 8,027 |
| Pretax return on assets | -4.5866% | 7,975 |
| Return on Equity (ROE) | -52.8996% | 8,171 |
| Retained earnings to average equity (ytd only) | -52.8996% | 8,156 |
| Net charge-offs to loans | 5.4908% | 79 |
| Credit loss provision to net charge-offs | 100.7365% | 5,265 |
| Earnings coverage of net charge-offs (x) | -0.1506% | 6,351 |
| Efficiency ratio | 117.9863% | 596 |
| Assets per employee ($millions) | 2.2527% | 7,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7233% | 235 |
| Loan loss allowance to noncurrent loans | 41.4463% | 5,961 |
| Noncurrent assets plus other real estate owned to assets | 12.6140% | 93 |
| Noncurrent loans to loans | 8.9834% | 267 |
| Net loans and leases to total assets | 67.8129% | 4,489 |
| Net loans and leases to deposits | 73.9077% | 5,854 |
| Net loans and leases to core deposits | 107.8942% | 3,981 |
| Total domestic deposits to total assets | 91.7535% | 169 |
| Equity capital to assets | 7.8812% | 6,994 |
| Core capital (leverage) ratio | 7.9253% | 6,611 |
| Tier 1 risk-based capital ratio | 11.3237% | 5,415 |
| Total risk-based capital ratio | 12.6043% | 5,287 |
| Memoranda: |
| Average total assets | $30,850,600 | 7,608 |
| Average earning assets | $27,233,800 | 7,654 |
| Average equity | $2,572,800 | 7,957 |
| Average total loans | $22,255,400 | 7,180 |
