| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0097% | 2,053 |
| Cost of funding earning assets | 1.1526% | 2,929 |
| Net interest margin | 3.8571% | 1,463 |
| Noninterest income to average assets | 0.9300% | 719 |
| Noninterest expense to average assets | 3.2283% | 803 |
| Loan and lease loss provision to assets | 0.2900% | 373 |
| Net operating income to assets | 0.6800% | 3,243 |
| Return on assets (ROA) | 0.6800% | 3,220 |
| Pretax return on assets | 0.9346% | 2,863 |
| Return on Equity (ROE) | 6.1200% | 3,495 |
| Retained earnings to average equity (ytd only) | 6.1215% | 2,200 |
| Net charge-offs to loans | 0.2333% | 462 |
| Credit loss provision to net charge-offs | 121.5297% | 1,661 |
| Earnings coverage of net charge-offs (x) | 6.5694% | 2,463 |
| Efficiency ratio | 71.9649% | 1,660 |
| Assets per employee ($millions) | 3.7869% | 4,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2077% | 2,254 |
| Loan loss allowance to noncurrent loans | 153.2206% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.6431% | 840 |
| Noncurrent loans to loans | 0.7882% | 982 |
| Net loans and leases to total assets | 80.6000% | 568 |
| Net loans and leases to deposits | 92.9063% | 1,020 |
| Net loans and leases to core deposits | 101.7897% | 1,342 |
| Total domestic deposits to total assets | 86.7600% | 1,766 |
| Equity capital to assets | 11.3001% | 1,370 |
| Core capital (leverage) ratio | 11.8494% | 1,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $189,699,000 | 3,056 |
| Average earning assets | $173,264,800 | 3,067 |
| Average equity | $21,073,200 | 2,767 |
| Average total loans | $151,314,800 | 2,665 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9022% | 2,053 |
| Cost of funding earning assets | 1.0843% | 2,787 |
| Net interest margin | 3.8179% | 1,560 |
| Noninterest income to average assets | 0.9000% | 762 |
| Noninterest expense to average assets | 3.1377% | 888 |
| Loan and lease loss provision to assets | 0.2700% | 361 |
| Net operating income to assets | 0.7124% | 3,288 |
| Return on assets (ROA) | 0.7124% | 3,278 |
| Pretax return on assets | 0.9793% | 2,912 |
| Return on Equity (ROE) | 6.4400% | 3,557 |
| Retained earnings to average equity (ytd only) | 6.4413% | 2,482 |
| Net charge-offs to loans | 0.2475% | 358 |
| Credit loss provision to net charge-offs | 122.3022% | 1,468 |
| Earnings coverage of net charge-offs (x) | 6.3705% | 2,298 |
| Efficiency ratio | 70.9413% | 1,685 |
| Assets per employee ($millions) | 3.9481% | 4,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2420% | 2,158 |
| Loan loss allowance to noncurrent loans | 125.9333% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.7915% | 704 |
| Noncurrent loans to loans | 0.9862% | 827 |
| Net loans and leases to total assets | 79.2600% | 734 |
| Net loans and leases to deposits | 91.4027% | 1,105 |
| Net loans and leases to core deposits | 99.6524% | 1,333 |
| Total domestic deposits to total assets | 86.7100% | 1,977 |
| Equity capital to assets | 11.1877% | 1,281 |
| Core capital (leverage) ratio | 11.7102% | 1,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $188,841,000 | 3,071 |
| Average earning assets | $172,515,250 | 3,078 |
| Average equity | $20,885,500 | 2,775 |
| Average total loans | $149,750,250 | 2,683 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8456% | 1,893 |
| Cost of funding earning assets | 0.9867% | 2,647 |
| Net interest margin | 3.8589% | 1,509 |
| Noninterest income to average assets | 0.8700% | 741 |
| Noninterest expense to average assets | 3.0315% | 991 |
| Loan and lease loss provision to assets | 0.3600% | 244 |
| Net operating income to assets | 0.7359% | 3,255 |
| Return on assets (ROA) | 0.7359% | 3,264 |
| Pretax return on assets | 1.0094% | 2,886 |
| Return on Equity (ROE) | 6.6800% | 3,542 |
| Retained earnings to average equity (ytd only) | 6.6795% | 2,384 |
| Net charge-offs to loans | 0.3987% | 211 |
| Credit loss provision to net charge-offs | 113.4680% | 1,359 |
| Earnings coverage of net charge-offs (x) | 4.3401% | 2,221 |
| Efficiency ratio | 68.3944% | 1,936 |
| Assets per employee ($millions) | 4.1250% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2269% | 2,310 |
| Loan loss allowance to noncurrent loans | 102.0219% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.9644% | 495 |
| Noncurrent loans to loans | 1.2026% | 587 |
| Net loans and leases to total assets | 79.2100% | 714 |
| Net loans and leases to deposits | 91.9291% | 1,027 |
| Net loans and leases to core deposits | 99.1386% | 1,279 |
| Total domestic deposits to total assets | 86.1700% | 2,180 |
| Equity capital to assets | 11.0551% | 1,372 |
| Core capital (leverage) ratio | 11.6324% | 1,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $188,617,667 | 3,073 |
| Average earning assets | $172,485,667 | 3,085 |
| Average equity | $20,780,000 | 2,793 |
| Average total loans | $148,969,667 | 2,684 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6687% | 1,927 |
| Cost of funding earning assets | 0.8784% | 2,441 |
| Net interest margin | 3.7903% | 1,708 |
| Noninterest income to average assets | 0.7900% | 879 |
| Noninterest expense to average assets | 2.9609% | 1,131 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 0.7402% | 3,371 |
| Return on assets (ROA) | 0.7402% | 3,327 |
| Pretax return on assets | 1.0125% | 2,954 |
| Return on Equity (ROE) | 6.7300% | 3,584 |
| Retained earnings to average equity (ytd only) | 6.7307% | 2,575 |
| Net charge-offs to loans | 0.3610% | 219 |
| Credit loss provision to net charge-offs | 100.7519% | 1,105 |
| Earnings coverage of net charge-offs (x) | 4.5865% | 1,850 |
| Efficiency ratio | 69.0809% | 1,849 |
| Assets per employee ($millions) | 4.1522% | 4,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2327% | 2,374 |
| Loan loss allowance to noncurrent loans | 152.8428% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.6401% | 786 |
| Noncurrent loans to loans | 0.8065% | 952 |
| Net loans and leases to total assets | 78.3900% | 729 |
| Net loans and leases to deposits | 90.0754% | 1,040 |
| Net loans and leases to core deposits | 96.9313% | 1,234 |
| Total domestic deposits to total assets | 87.0200% | 2,254 |
| Equity capital to assets | 11.1025% | 1,303 |
| Core capital (leverage) ratio | 11.5906% | 1,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $188,051,500 | 3,118 |
| Average earning assets | $172,125,000 | 3,127 |
| Average equity | $20,681,500 | 2,828 |
| Average total loans | $147,369,000 | 2,729 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0525% | 1,582 |
| Cost of funding earning assets | 0.6409% | 752 |
| Net interest margin | 3.4115% | 2,217 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 2.8591% | 1,199 |
| Loan and lease loss provision to assets | 0.3100% | 263 |
| Net operating income to assets | 0.5372% | 4,022 |
| Return on assets (ROA) | 0.5661% | 3,918 |
| Pretax return on assets | 0.7358% | 3,781 |
| Return on Equity (ROE) | 5.1300% | 3,996 |
| Retained earnings to average equity (ytd only) | 5.1348% | 2,988 |
| Net charge-offs to loans | 0.2286% | 351 |
| Credit loss provision to net charge-offs | 182.2785% | 1,179 |
| Earnings coverage of net charge-offs (x) | 5.9304% | 2,353 |
| Efficiency ratio | 73.6842% | 1,246 |
| Assets per employee ($millions) | 4.2056% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8720% | 3,863 |
| Loan loss allowance to noncurrent loans | 88.9895% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.7752% | 609 |
| Noncurrent loans to loans | 0.9799% | 750 |
| Net loans and leases to total assets | 76.7000% | 937 |
| Net loans and leases to deposits | 91.3349% | 959 |
| Net loans and leases to core deposits | 97.5073% | 1,131 |
| Total domestic deposits to total assets | 83.9800% | 3,214 |
| Equity capital to assets | 10.8944% | 1,300 |
| Core capital (leverage) ratio | 11.6128% | 1,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $185,655,200 | 3,140 |
| Average earning assets | $170,217,000 | 3,149 |
| Average equity | $20,468,000 | 2,911 |
| Average total loans | $138,206,600 | 2,747 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9270% | 1,416 |
| Cost of funding earning assets | 0.6090% | 417 |
| Net interest margin | 3.3180% | 2,243 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 2.8462% | 1,154 |
| Loan and lease loss provision to assets | 0.3100% | 225 |
| Net operating income to assets | 0.4577% | 4,156 |
| Return on assets (ROA) | 0.4965% | 4,031 |
| Pretax return on assets | 0.6639% | 3,874 |
| Return on Equity (ROE) | 4.4900% | 4,081 |
| Retained earnings to average equity (ytd only) | 4.4899% | 3,291 |
| Net charge-offs to loans | 0.1684% | 390 |
| Credit loss provision to net charge-offs | 247.0930% | 902 |
| Earnings coverage of net charge-offs (x) | 7.4244% | 2,071 |
| Efficiency ratio | 75.3304% | 1,134 |
| Assets per employee ($millions) | 4.2781% | 4,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8725% | 3,939 |
| Loan loss allowance to noncurrent loans | 78.1058% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 0.8638% | 569 |
| Noncurrent loans to loans | 1.1171% | 663 |
| Net loans and leases to total assets | 76.6500% | 846 |
| Net loans and leases to deposits | 89.4922% | 926 |
| Net loans and leases to core deposits | 95.1166% | 1,044 |
| Total domestic deposits to total assets | 85.6500% | 3,146 |
| Equity capital to assets | 10.7274% | 1,281 |
| Core capital (leverage) ratio | 11.5198% | 1,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $184,755,750 | 3,176 |
| Average earning assets | $169,455,250 | 3,180 |
| Average equity | $20,430,500 | 2,956 |
| Average total loans | $136,147,750 | 2,774 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7879% | 1,345 |
| Cost of funding earning assets | 0.6056% | 260 |
| Net interest margin | 3.1823% | 2,246 |
| Noninterest income to average assets | 0.6863% | 1,404 |
| Noninterest expense to average assets | 2.8323% | 1,111 |
| Loan and lease loss provision to assets | 0.2974% | 222 |
| Net operating income to assets | 0.3598% | 4,189 |
| Return on assets (ROA) | 0.4183% | 4,024 |
| Pretax return on assets | 0.5501% | 3,924 |
| Return on Equity (ROE) | 3.7446% | 4,087 |
| Retained earnings to average equity (ytd only) | 3.7446% | 3,185 |
| Net charge-offs to loans | 0.1639% | 383 |
| Credit loss provision to net charge-offs | 250.4587% | 867 |
| Earnings coverage of net charge-offs (x) | 6.5138% | 1,894 |
| Efficiency ratio | 78.3082% | 1,068 |
| Assets per employee ($millions) | 4.1132% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8566% | 4,075 |
| Loan loss allowance to noncurrent loans | 77.2906% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 0.8255% | 632 |
| Noncurrent loans to loans | 1.1083% | 745 |
| Net loans and leases to total assets | 73.8498% | 931 |
| Net loans and leases to deposits | 84.7501% | 1,069 |
| Net loans and leases to core deposits | 90.9593% | 1,066 |
| Total domestic deposits to total assets | 87.1383% | 2,891 |
| Equity capital to assets | 10.9103% | 1,253 |
| Core capital (leverage) ratio | 9.9489% | 2,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $183,595,333 | 3,212 |
| Average earning assets | $168,429,667 | 3,232 |
| Average equity | $20,509,667 | 3,020 |
| Average total loans | $133,010,000 | 2,819 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6067% | 1,491 |
| Cost of funding earning assets | 0.6269% | 222 |
| Net interest margin | 2.9798% | 2,569 |
| Noninterest income to average assets | 0.6191% | 1,609 |
| Noninterest expense to average assets | 2.8089% | 1,143 |
| Loan and lease loss provision to assets | 0.2647% | 240 |
| Net operating income to assets | 0.2172% | 4,302 |
| Return on assets (ROA) | 0.3347% | 4,051 |
| Pretax return on assets | 0.4288% | 3,986 |
| Return on Equity (ROE) | 2.9612% | 4,100 |
| Retained earnings to average equity (ytd only) | 2.9612% | 3,278 |
| Net charge-offs to loans | 0.2359% | 266 |
| Credit loss provision to net charge-offs | 157.1429% | 843 |
| Earnings coverage of net charge-offs (x) | 3.2338% | 1,676 |
| Efficiency ratio | 83.4964% | 886 |
| Assets per employee ($millions) | 4.1195% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8098% | 4,227 |
| Loan loss allowance to noncurrent loans | 62.9674% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 0.9090% | 590 |
| Noncurrent loans to loans | 1.2861% | 681 |
| Net loans and leases to total assets | 70.1054% | 1,015 |
| Net loans and leases to deposits | 80.6409% | 1,097 |
| Net loans and leases to core deposits | 86.6874% | 1,095 |
| Total domestic deposits to total assets | 86.9353% | 2,949 |
| Equity capital to assets | 10.9970% | 1,330 |
| Core capital (leverage) ratio | 10.5627% | 1,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $182,847,000 | 3,226 |
| Average earning assets | $167,799,000 | 3,251 |
| Average equity | $20,667,500 | 3,086 |
| Average total loans | $130,579,500 | 2,844 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0103% | 1,339 |
| Cost of funding earning assets | 0.7300% | 280 |
| Net interest margin | 3.2803% | 2,361 |
| Noninterest income to average assets | 0.6014% | 2,149 |
| Noninterest expense to average assets | 2.7201% | 1,576 |
| Loan and lease loss provision to assets | 0.3462% | 219 |
| Net operating income to assets | 0.4477% | 4,188 |
| Return on assets (ROA) | 0.4477% | 4,230 |
| Pretax return on assets | 0.5824% | 4,134 |
| Return on Equity (ROE) | 3.7805% | 4,249 |
| Retained earnings to average equity (ytd only) | 3.7805% | 3,302 |
| Net charge-offs to loans | 0.1771% | 545 |
| Credit loss provision to net charge-offs | 263.7555% | 1,136 |
| Earnings coverage of net charge-offs (x) | 7.0742% | 2,365 |
| Efficiency ratio | 74.5326% | 1,252 |
| Assets per employee ($millions) | 4.1934% | 4,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7815% | 4,296 |
| Loan loss allowance to noncurrent loans | 60.2131% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 0.9367% | 607 |
| Noncurrent loans to loans | 1.2979% | 735 |
| Net loans and leases to total assets | 71.6082% | 872 |
| Net loans and leases to deposits | 82.9709% | 987 |
| Net loans and leases to core deposits | 90.0319% | 970 |
| Total domestic deposits to total assets | 86.3052% | 2,800 |
| Equity capital to assets | 11.6179% | 1,442 |
| Core capital (leverage) ratio | 11.5149% | 1,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $174,440,600 | 3,255 |
| Average earning assets | $162,057,200 | 3,257 |
| Average equity | $20,658,600 | 3,161 |
| Average total loans | $129,289,800 | 2,863 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9677% | 1,613 |
| Cost of funding earning assets | 0.7459% | 314 |
| Net interest margin | 3.2218% | 2,668 |
| Noninterest income to average assets | 0.5827% | 2,287 |
| Noninterest expense to average assets | 2.6624% | 1,682 |
| Loan and lease loss provision to assets | 0.3810% | 175 |
| Net operating income to assets | 0.4193% | 4,347 |
| Return on assets (ROA) | 0.4193% | 4,374 |
| Pretax return on assets | 0.5427% | 4,313 |
| Return on Equity (ROE) | 3.5233% | 4,382 |
| Retained earnings to average equity (ytd only) | 3.5233% | 3,735 |
| Net charge-offs to loans | 0.1642% | 514 |
| Credit loss provision to net charge-offs | 310.6918% | 986 |
| Earnings coverage of net charge-offs (x) | 7.5346% | 2,130 |
| Efficiency ratio | 74.2476% | 1,195 |
| Assets per employee ($millions) | 4.0717% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7614% | 4,407 |
| Loan loss allowance to noncurrent loans | 69.9857% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 0.7792% | 924 |
| Noncurrent loans to loans | 1.0879% | 1,039 |
| Net loans and leases to total assets | 71.0820% | 977 |
| Net loans and leases to deposits | 82.5086% | 1,067 |
| Net loans and leases to core deposits | 89.8791% | 1,041 |
| Total domestic deposits to total assets | 86.1511% | 2,691 |
| Equity capital to assets | 11.6441% | 1,580 |
| Core capital (leverage) ratio | 11.6464% | 1,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $172,971,750 | 3,300 |
| Average earning assets | $161,230,000 | 3,292 |
| Average equity | $20,586,000 | 3,202 |
| Average total loans | $129,077,750 | 2,903 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8534% | 1,939 |
| Cost of funding earning assets | 0.7607% | 351 |
| Net interest margin | 3.0927% | 3,054 |
| Noninterest income to average assets | 0.5629% | 2,364 |
| Noninterest expense to average assets | 2.5897% | 1,889 |
| Loan and lease loss provision to assets | 0.3850% | 177 |
| Net operating income to assets | 0.3768% | 4,428 |
| Return on assets (ROA) | 0.3768% | 4,465 |
| Pretax return on assets | 0.4856% | 4,404 |
| Return on Equity (ROE) | 3.1423% | 4,452 |
| Retained earnings to average equity (ytd only) | 3.1423% | 3,797 |
| Net charge-offs to loans | 0.2428% | 361 |
| Credit loss provision to net charge-offs | 209.5541% | 1,031 |
| Earnings coverage of net charge-offs (x) | 4.7389% | 2,021 |
| Efficiency ratio | 74.8394% | 1,174 |
| Assets per employee ($millions) | 4.1715% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6335% | 4,620 |
| Loan loss allowance to noncurrent loans | 64.5519% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 0.7197% | 1,142 |
| Noncurrent loans to loans | 0.9814% | 1,256 |
| Net loans and leases to total assets | 72.8742% | 866 |
| Net loans and leases to deposits | 84.8566% | 999 |
| Net loans and leases to core deposits | 93.0096% | 953 |
| Total domestic deposits to total assets | 85.8792% | 2,783 |
| Equity capital to assets | 11.7864% | 1,467 |
| Core capital (leverage) ratio | 11.7154% | 1,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $170,910,667 | 3,328 |
| Average earning assets | $160,120,000 | 3,309 |
| Average equity | $20,494,333 | 3,206 |
| Average total loans | $129,329,000 | 2,911 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8569% | 1,939 |
| Cost of funding earning assets | 0.7724% | 406 |
| Net interest margin | 3.0845% | 3,040 |
| Noninterest income to average assets | 0.5522% | 2,397 |
| Noninterest expense to average assets | 2.5787% | 1,939 |
| Loan and lease loss provision to assets | 0.3887% | 204 |
| Net operating income to assets | 0.3887% | 4,381 |
| Return on assets (ROA) | 0.3887% | 4,408 |
| Pretax return on assets | 0.5001% | 4,350 |
| Return on Equity (ROE) | 3.2131% | 4,436 |
| Retained earnings to average equity (ytd only) | 3.2131% | 3,715 |
| Net charge-offs to loans | 0.2620% | 326 |
| Credit loss provision to net charge-offs | 192.9412% | 899 |
| Earnings coverage of net charge-offs (x) | 4.4118% | 1,731 |
| Efficiency ratio | 74.3677% | 1,274 |
| Assets per employee ($millions) | 4.4708% | 4,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5537% | 4,736 |
| Loan loss allowance to noncurrent loans | 49.7241% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 0.8316% | 1,069 |
| Noncurrent loans to loans | 1.1136% | 1,202 |
| Net loans and leases to total assets | 74.2670% | 790 |
| Net loans and leases to deposits | 86.4479% | 929 |
| Net loans and leases to core deposits | 95.9982% | 882 |
| Total domestic deposits to total assets | 85.9096% | 2,768 |
| Equity capital to assets | 11.7217% | 1,429 |
| Core capital (leverage) ratio | 12.2307% | 1,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $168,765,000 | 3,353 |
| Average earning assets | $159,508,000 | 3,307 |
| Average equity | $20,416,500 | 3,211 |
| Average total loans | $129,748,000 | 2,905 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2447% | 2,010 |
| Cost of funding earning assets | 0.9967% | 602 |
| Net interest margin | 3.2480% | 3,218 |
| Noninterest income to average assets | 0.5191% | 2,552 |
| Noninterest expense to average assets | 2.7778% | 2,005 |
| Loan and lease loss provision to assets | 0.3190% | 1,158 |
| Net operating income to assets | 0.4025% | 4,239 |
| Return on assets (ROA) | 0.4066% | 4,313 |
| Pretax return on assets | 0.5108% | 4,254 |
| Return on Equity (ROE) | 3.1852% | 4,329 |
| Retained earnings to average equity (ytd only) | 3.1852% | 3,237 |
| Net charge-offs to loans | 0.4252% | 396 |
| Credit loss provision to net charge-offs | 91.3919% | 2,920 |
| Earnings coverage of net charge-offs (x) | 2.3626% | 3,170 |
| Efficiency ratio | 77.0896% | 1,111 |
| Assets per employee ($millions) | 4.1849% | 4,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4192% | 4,847 |
| Loan loss allowance to noncurrent loans | 37.3021% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 0.9007% | 1,098 |
| Noncurrent loans to loans | 1.1239% | 1,259 |
| Net loans and leases to total assets | 78.8796% | 510 |
| Net loans and leases to deposits | 92.9900% | 720 |
| Net loans and leases to core deposits | 104.4069% | 709 |
| Total domestic deposits to total assets | 84.8259% | 2,827 |
| Equity capital to assets | 12.5162% | 1,316 |
| Core capital (leverage) ratio | 12.6302% | 999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $156,418,200 | 3,323 |
| Average earning assets | $148,492,200 | 3,287 |
| Average equity | $19,967,400 | 3,189 |
| Average total loans | $128,421,400 | 2,884 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2557% | 2,233 |
| Cost of funding earning assets | 1.0392% | 663 |
| Net interest margin | 3.2165% | 3,441 |
| Noninterest income to average assets | 0.4731% | 2,727 |
| Noninterest expense to average assets | 2.8076% | 1,949 |
| Loan and lease loss provision to assets | 0.2947% | 1,374 |
| Net operating income to assets | 0.3384% | 4,380 |
| Return on assets (ROA) | 0.3438% | 4,428 |
| Pretax return on assets | 0.4343% | 4,398 |
| Return on Equity (ROE) | 2.6797% | 4,443 |
| Retained earnings to average equity (ytd only) | 2.6797% | 3,658 |
| Net charge-offs to loans | 0.4087% | 388 |
| Credit loss provision to net charge-offs | 87.0229% | 2,718 |
| Earnings coverage of net charge-offs (x) | 2.1323% | 3,015 |
| Efficiency ratio | 79.5410% | 900 |
| Assets per employee ($millions) | 3.8760% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4074% | 4,879 |
| Loan loss allowance to noncurrent loans | 35.1634% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 0.9735% | 1,148 |
| Noncurrent loans to loans | 1.1585% | 1,307 |
| Net loans and leases to total assets | 82.7650% | 382 |
| Net loans and leases to deposits | 97.9046% | 631 |
| Net loans and leases to core deposits | 110.3175% | 692 |
| Total domestic deposits to total assets | 84.5364% | 2,615 |
| Equity capital to assets | 12.7005% | 1,333 |
| Core capital (leverage) ratio | 12.5124% | 1,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $154,719,750 | 3,321 |
| Average earning assets | $147,030,000 | 3,275 |
| Average equity | $19,852,250 | 3,198 |
| Average total loans | $128,206,000 | 2,889 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2688% | 2,549 |
| Cost of funding earning assets | 1.0761% | 777 |
| Net interest margin | 3.1927% | 3,688 |
| Noninterest income to average assets | 0.4461% | 2,823 |
| Noninterest expense to average assets | 2.8450% | 1,989 |
| Loan and lease loss provision to assets | 0.2831% | 1,519 |
| Net operating income to assets | 0.2837% | 4,446 |
| Return on assets (ROA) | 0.2922% | 4,469 |
| Pretax return on assets | 0.3626% | 4,451 |
| Return on Equity (ROE) | 2.2693% | 4,478 |
| Retained earnings to average equity (ytd only) | 2.2693% | 3,652 |
| Net charge-offs to loans | 0.4948% | 324 |
| Credit loss provision to net charge-offs | 69.1083% | 2,557 |
| Earnings coverage of net charge-offs (x) | 1.5510% | 2,846 |
| Efficiency ratio | 81.7466% | 772 |
| Assets per employee ($millions) | 4.0121% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3790% | 4,916 |
| Loan loss allowance to noncurrent loans | 35.6264% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 0.8711% | 1,423 |
| Noncurrent loans to loans | 1.0637% | 1,462 |
| Net loans and leases to total assets | 80.5935% | 525 |
| Net loans and leases to deposits | 95.3208% | 851 |
| Net loans and leases to core deposits | 107.9986% | 818 |
| Total domestic deposits to total assets | 84.5497% | 2,544 |
| Equity capital to assets | 12.4699% | 1,389 |
| Core capital (leverage) ratio | 12.5869% | 1,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $153,321,333 | 3,319 |
| Average earning assets | $145,709,667 | 3,269 |
| Average equity | $19,742,000 | 3,201 |
| Average total loans | $126,920,000 | 2,893 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3123% | 2,891 |
| Cost of funding earning assets | 1.1400% | 932 |
| Net interest margin | 3.1723% | 3,927 |
| Noninterest income to average assets | 0.4301% | 2,909 |
| Noninterest expense to average assets | 2.9571% | 1,992 |
| Loan and lease loss provision to assets | 0.2431% | 1,279 |
| Net operating income to assets | 0.1962% | 4,535 |
| Return on assets (ROA) | 0.2137% | 4,520 |
| Pretax return on assets | 0.2618% | 4,507 |
| Return on Equity (ROE) | 1.6321% | 4,523 |
| Retained earnings to average equity (ytd only) | 1.6321% | 3,567 |
| Net charge-offs to loans | 0.3092% | 475 |
| Credit loss provision to net charge-offs | 93.8144% | 1,879 |
| Earnings coverage of net charge-offs (x) | 1.8660% | 2,336 |
| Efficiency ratio | 85.9472% | 712 |
| Assets per employee ($millions) | 3.6295% | 4,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4647% | 4,904 |
| Loan loss allowance to noncurrent loans | 36.4603% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 1.0732% | 1,218 |
| Noncurrent loans to loans | 1.2744% | 1,284 |
| Net loans and leases to total assets | 81.9243% | 441 |
| Net loans and leases to deposits | 97.5641% | 776 |
| Net loans and leases to core deposits | 111.4420% | 781 |
| Total domestic deposits to total assets | 83.9698% | 2,798 |
| Equity capital to assets | 12.8912% | 1,496 |
| Core capital (leverage) ratio | 13.2521% | 1,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $149,741,000 | 3,322 |
| Average earning assets | $142,105,000 | 3,280 |
| Average equity | $19,607,000 | 3,204 |
| Average total loans | $125,465,000 | 2,894 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4602% | 3,089 |
| Cost of funding earning assets | 1.1434% | 1,177 |
| Net interest margin | 3.3168% | 3,952 |
| Noninterest income to average assets | 0.4559% | 2,974 |
| Noninterest expense to average assets | 2.9342% | 2,187 |
| Loan and lease loss provision to assets | 0.3342% | 472 |
| Net operating income to assets | 0.2483% | 4,801 |
| Return on assets (ROA) | 0.2847% | 4,791 |
| Pretax return on assets | 0.3713% | 4,751 |
| Return on Equity (ROE) | 2.1340% | 4,780 |
| Retained earnings to average equity (ytd only) | 2.1340% | 3,927 |
| Net charge-offs to loans | 0.6625% | 264 |
| Credit loss provision to net charge-offs | 60.9787% | 3,025 |
| Earnings coverage of net charge-offs (x) | 1.2033% | 3,564 |
| Efficiency ratio | 81.6303% | 821 |
| Assets per employee ($millions) | 3.5011% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4695% | 4,923 |
| Loan loss allowance to noncurrent loans | 29.7926% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 1.3696% | 774 |
| Noncurrent loans to loans | 1.5758% | 894 |
| Net loans and leases to total assets | 84.9230% | 247 |
| Net loans and leases to deposits | 101.9354% | 472 |
| Net loans and leases to core deposits | 115.0720% | 635 |
| Total domestic deposits to total assets | 83.3106% | 3,101 |
| Equity capital to assets | 13.3041% | 1,368 |
| Core capital (leverage) ratio | 13.3247% | 1,106 |
| Tier 1 risk-based capital ratio | 17.6755% | 1,846 |
| Total risk-based capital ratio | 18.2061% | 2,010 |
| Memoranda: |
| Average total assets | $145,425,400 | 3,359 |
| Average earning assets | $137,571,200 | 3,318 |
| Average equity | $19,400,000 | 3,178 |
| Average total loans | $120,303,400 | 2,943 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4954% | 3,072 |
| Cost of funding earning assets | 1.1321% | 1,230 |
| Net interest margin | 3.3633% | 3,954 |
| Noninterest income to average assets | 0.4551% | 2,992 |
| Noninterest expense to average assets | 2.9172% | 2,205 |
| Loan and lease loss provision to assets | 0.1793% | 1,023 |
| Net operating income to assets | 0.4242% | 4,676 |
| Return on assets (ROA) | 0.4671% | 4,625 |
| Pretax return on assets | 0.5921% | 4,558 |
| Return on Equity (ROE) | 3.4987% | 4,681 |
| Retained earnings to average equity (ytd only) | 3.4987% | 3,657 |
| Net charge-offs to loans | 0.0717% | 1,805 |
| Credit loss provision to net charge-offs | 304.6875% | 943 |
| Earnings coverage of net charge-offs (x) | 12.1876% | 2,376 |
| Efficiency ratio | 80.2682% | 901 |
| Assets per employee ($millions) | 3.5868% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8355% | 4,291 |
| Loan loss allowance to noncurrent loans | 51.1917% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 1.3695% | 856 |
| Noncurrent loans to loans | 1.6322% | 901 |
| Net loans and leases to total assets | 83.2080% | 428 |
| Net loans and leases to deposits | 100.0761% | 631 |
| Net loans and leases to core deposits | 113.1826% | 787 |
| Total domestic deposits to total assets | 83.1447% | 3,110 |
| Equity capital to assets | 13.3668% | 1,427 |
| Core capital (leverage) ratio | 13.4935% | 1,134 |
| Tier 1 risk-based capital ratio | 18.0771% | 1,791 |
| Total risk-based capital ratio | 19.0231% | 1,832 |
| Memoranda: |
| Average total assets | $145,020,500 | 3,398 |
| Average earning assets | $137,085,500 | 3,359 |
| Average equity | $19,359,250 | 3,208 |
| Average total loans | $119,013,250 | 2,979 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4705% | 3,103 |
| Cost of funding earning assets | 1.1099% | 1,259 |
| Net interest margin | 3.3606% | 4,008 |
| Noninterest income to average assets | 0.4115% | 3,202 |
| Noninterest expense to average assets | 2.9153% | 2,246 |
| Loan and lease loss provision to assets | 0.1566% | 1,161 |
| Net operating income to assets | 0.4201% | 4,698 |
| Return on assets (ROA) | 0.4448% | 4,677 |
| Pretax return on assets | 0.5459% | 4,633 |
| Return on Equity (ROE) | 3.3333% | 4,721 |
| Retained earnings to average equity (ytd only) | 3.3333% | 3,564 |
| Net charge-offs to loans | 0.0919% | 1,441 |
| Credit loss provision to net charge-offs | 209.2593% | 1,164 |
| Earnings coverage of net charge-offs (x) | 8.9815% | 2,367 |
| Efficiency ratio | 81.2669% | 855 |
| Assets per employee ($millions) | 3.5213% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7947% | 4,460 |
| Loan loss allowance to noncurrent loans | 48.1668% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 1.3790% | 877 |
| Noncurrent loans to loans | 1.6498% | 932 |
| Net loans and leases to total assets | 82.9229% | 483 |
| Net loans and leases to deposits | 100.1623% | 664 |
| Net loans and leases to core deposits | 111.6885% | 877 |
| Total domestic deposits to total assets | 82.7886% | 3,274 |
| Equity capital to assets | 13.5058% | 1,315 |
| Core capital (leverage) ratio | 13.5747% | 1,088 |
| Tier 1 risk-based capital ratio | 18.4292% | 1,693 |
| Total risk-based capital ratio | 19.3355% | 1,738 |
| Memoranda: |
| Average total assets | $144,341,330 | 3,426 |
| Average earning assets | $136,406,000 | 3,385 |
| Average equity | $19,260,000 | 3,222 |
| Average total loans | $117,552,670 | 3,010 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4185% | 3,159 |
| Cost of funding earning assets | 1.0819% | 1,247 |
| Net interest margin | 3.3366% | 4,071 |
| Noninterest income to average assets | 0.4102% | 3,113 |
| Noninterest expense to average assets | 2.8879% | 2,307 |
| Loan and lease loss provision to assets | 0.1524% | 1,102 |
| Net operating income to assets | 0.4045% | 4,723 |
| Return on assets (ROA) | 0.3936% | 4,761 |
| Pretax return on assets | 0.5100% | 4,658 |
| Return on Equity (ROE) | 2.9675% | 4,791 |
| Retained earnings to average equity (ytd only) | 2.9675% | 3,745 |
| Net charge-offs to loans | 0.1759% | 780 |
| Credit loss provision to net charge-offs | 107.8431% | 1,511 |
| Earnings coverage of net charge-offs (x) | 4.7843% | 2,301 |
| Efficiency ratio | 81.0264% | 966 |
| Assets per employee ($millions) | 3.4583% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7722% | 4,599 |
| Loan loss allowance to noncurrent loans | 52.1639% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 1.1993% | 1,120 |
| Noncurrent loans to loans | 1.4803% | 1,090 |
| Net loans and leases to total assets | 79.9766% | 837 |
| Net loans and leases to deposits | 95.8529% | 983 |
| Net loans and leases to core deposits | 106.6830% | 1,126 |
| Total domestic deposits to total assets | 83.4368% | 3,243 |
| Equity capital to assets | 13.2427% | 1,323 |
| Core capital (leverage) ratio | 13.5001% | 1,090 |
| Tier 1 risk-based capital ratio | 18.5004% | 1,663 |
| Total risk-based capital ratio | 19.3652% | 1,724 |
| Memoranda: |
| Average total assets | $144,324,500 | 3,458 |
| Average earning assets | $136,425,500 | 3,422 |
| Average equity | $19,140,500 | 3,248 |
| Average total loans | $115,989,500 | 3,064 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2322% | 3,347 |
| Cost of funding earning assets | 0.9819% | 810 |
| Net interest margin | 3.2503% | 4,384 |
| Noninterest income to average assets | 0.3853% | 3,527 |
| Noninterest expense to average assets | 2.8575% | 2,495 |
| Loan and lease loss provision to assets | 0.2061% | 913 |
| Net operating income to assets | 0.3974% | 4,870 |
| Return on assets (ROA) | 0.4044% | 4,848 |
| Pretax return on assets | 0.4100% | 4,923 |
| Return on Equity (ROE) | 3.0619% | 4,885 |
| Retained earnings to average equity (ytd only) | 3.0619% | 3,865 |
| Net charge-offs to loans | 0.1638% | 1,177 |
| Credit loss provision to net charge-offs | 161.3260% | 1,721 |
| Earnings coverage of net charge-offs (x) | 4.7680% | 3,260 |
| Efficiency ratio | 82.4308% | 759 |
| Assets per employee ($millions) | 3.7737% | 4,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7832% | 4,592 |
| Loan loss allowance to noncurrent loans | 44.4225% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 1.4191% | 845 |
| Noncurrent loans to loans | 1.7631% | 807 |
| Net loans and leases to total assets | 79.5047% | 1,017 |
| Net loans and leases to deposits | 95.0384% | 1,167 |
| Net loans and leases to core deposits | 106.6302% | 1,220 |
| Total domestic deposits to total assets | 83.6554% | 3,101 |
| Equity capital to assets | 13.2818% | 1,222 |
| Core capital (leverage) ratio | 13.5493% | 1,061 |
| Tier 1 risk-based capital ratio | 18.6576% | 1,580 |
| Total risk-based capital ratio | 19.5312% | 1,625 |
| Memoranda: |
| Average total assets | $141,697,400 | 3,480 |
| Average earning assets | $134,326,400 | 3,436 |
| Average equity | $18,713,600 | 3,211 |
| Average total loans | $110,492,400 | 3,121 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1962% | 3,339 |
| Cost of funding earning assets | 0.9513% | 745 |
| Net interest margin | 3.2449% | 4,415 |
| Noninterest income to average assets | 0.3803% | 3,595 |
| Noninterest expense to average assets | 2.8653% | 2,416 |
| Loan and lease loss provision to assets | 0.2633% | 582 |
| Net operating income to assets | 0.2872% | 5,104 |
| Return on assets (ROA) | 0.2954% | 5,094 |
| Pretax return on assets | 0.3388% | 5,099 |
| Return on Equity (ROE) | 2.2400% | 5,104 |
| Retained earnings to average equity (ytd only) | 2.2400% | 4,485 |
| Net charge-offs to loans | 0.1901% | 876 |
| Credit loss provision to net charge-offs | 178.8462% | 1,507 |
| Earnings coverage of net charge-offs (x) | 4.0257% | 3,107 |
| Efficiency ratio | 82.8603% | 716 |
| Assets per employee ($millions) | 3.5613% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8093% | 4,581 |
| Loan loss allowance to noncurrent loans | 63.6872% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 1.0116% | 1,438 |
| Noncurrent loans to loans | 1.2708% | 1,328 |
| Net loans and leases to total assets | 78.4656% | 1,267 |
| Net loans and leases to deposits | 93.6979% | 1,408 |
| Net loans and leases to core deposits | 104.7809% | 1,398 |
| Total domestic deposits to total assets | 83.7432% | 3,033 |
| Equity capital to assets | 13.1140% | 1,285 |
| Core capital (leverage) ratio | 13.5087% | 1,101 |
| Tier 1 risk-based capital ratio | 18.7355% | 1,602 |
| Total risk-based capital ratio | 19.6331% | 1,651 |
| Memoranda: |
| Average total assets | $141,272,000 | 3,524 |
| Average earning assets | $133,991,500 | 3,479 |
| Average equity | $18,630,500 | 3,243 |
| Average total loans | $109,388,250 | 3,167 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1101% | 3,414 |
| Cost of funding earning assets | 0.9144% | 691 |
| Net interest margin | 3.1958% | 4,514 |
| Noninterest income to average assets | 0.3535% | 3,798 |
| Noninterest expense to average assets | 2.8578% | 2,473 |
| Loan and lease loss provision to assets | 0.1633% | 1,135 |
| Net operating income to assets | 0.3186% | 5,094 |
| Return on assets (ROA) | 0.3308% | 5,073 |
| Pretax return on assets | 0.3833% | 5,062 |
| Return on Equity (ROE) | 2.4994% | 5,097 |
| Retained earnings to average equity (ytd only) | 2.4994% | 4,255 |
| Net charge-offs to loans | 0.2770% | 575 |
| Credit loss provision to net charge-offs | 76.6667% | 2,293 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 2,966 |
| Efficiency ratio | 84.2965% | 674 |
| Assets per employee ($millions) | 3.7359% | 4,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6894% | 4,963 |
| Loan loss allowance to noncurrent loans | 63.3081% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 0.8453% | 1,765 |
| Noncurrent loans to loans | 1.0890% | 1,623 |
| Net loans and leases to total assets | 76.5078% | 1,561 |
| Net loans and leases to deposits | 91.4915% | 1,644 |
| Net loans and leases to core deposits | 102.1749% | 1,553 |
| Total domestic deposits to total assets | 83.6228% | 3,209 |
| Equity capital to assets | 13.1595% | 1,240 |
| Core capital (leverage) ratio | 13.6020% | 1,035 |
| Tier 1 risk-based capital ratio | 19.3575% | 1,465 |
| Total risk-based capital ratio | 20.1284% | 1,541 |
| Memoranda: |
| Average total assets | $140,879,670 | 3,557 |
| Average earning assets | $133,864,000 | 3,500 |
| Average equity | $18,644,670 | 3,260 |
| Average total loans | $108,288,670 | 3,199 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0271% | 3,515 |
| Cost of funding earning assets | 0.8936% | 612 |
| Net interest margin | 3.1335% | 4,635 |
| Noninterest income to average assets | 0.4047% | 3,426 |
| Noninterest expense to average assets | 2.8816% | 2,441 |
| Loan and lease loss provision to assets | 0.1596% | 1,132 |
| Net operating income to assets | 0.3053% | 5,083 |
| Return on assets (ROA) | 0.3306% | 5,051 |
| Pretax return on assets | 0.3705% | 5,073 |
| Return on Equity (ROE) | 2.4911% | 5,105 |
| Retained earnings to average equity (ytd only) | 2.4911% | 4,168 |
| Net charge-offs to loans | 0.3935% | 395 |
| Credit loss provision to net charge-offs | 52.8302% | 1,929 |
| Earnings coverage of net charge-offs (x) | 1.6604% | 2,537 |
| Efficiency ratio | 85.1727% | 698 |
| Assets per employee ($millions) | 3.5215% | 4,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6866% | 5,052 |
| Loan loss allowance to noncurrent loans | 57.4650% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 0.9193% | 1,723 |
| Noncurrent loans to loans | 1.1948% | 1,528 |
| Net loans and leases to total assets | 75.8862% | 1,558 |
| Net loans and leases to deposits | 89.3658% | 1,770 |
| Net loans and leases to core deposits | 99.4640% | 1,724 |
| Total domestic deposits to total assets | 84.9163% | 2,961 |
| Equity capital to assets | 13.2045% | 1,159 |
| Core capital (leverage) ratio | 13.6419% | 963 |
| Tier 1 risk-based capital ratio | 19.5484% | 1,427 |
| Total risk-based capital ratio | 20.3166% | 1,499 |
| Memoranda: |
| Average total assets | $140,336,500 | 3,601 |
| Average earning assets | $133,396,000 | 3,543 |
| Average equity | $18,626,000 | 3,291 |
| Average total loans | $107,748,500 | 3,234 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8502% | 3,878 |
| Cost of funding earning assets | 0.8954% | 382 |
| Net interest margin | 2.9547% | 4,969 |
| Noninterest income to average assets | 0.3955% | 3,667 |
| Noninterest expense to average assets | 2.6123% | 3,405 |
| Loan and lease loss provision to assets | 0.0057% | 4,149 |
| Net operating income to assets | 0.4371% | 4,571 |
| Return on assets (ROA) | 0.4486% | 4,569 |
| Pretax return on assets | 0.6043% | 4,733 |
| Return on Equity (ROE) | 3.4534% | 4,700 |
| Retained earnings to average equity (ytd only) | 3.4534% | 3,213 |
| Net charge-offs to loans | 0.1787% | 1,396 |
| Credit loss provision to net charge-offs | 4.2553% | 3,692 |
| Earnings coverage of net charge-offs (x) | 4.4681% | 3,461 |
| Efficiency ratio | 81.4651% | 970 |
| Assets per employee ($millions) | 3.5849% | 4,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7315% | 4,999 |
| Loan loss allowance to noncurrent loans | 57.4654% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 0.9820% | 1,576 |
| Noncurrent loans to loans | 1.2729% | 1,380 |
| Net loans and leases to total assets | 76.5850% | 1,497 |
| Net loans and leases to deposits | 90.4197% | 1,720 |
| Net loans and leases to core deposits | 100.3110% | 1,690 |
| Total domestic deposits to total assets | 84.6995% | 2,947 |
| Equity capital to assets | 13.3408% | 1,116 |
| Core capital (leverage) ratio | 13.4290% | 996 |
| Tier 1 risk-based capital ratio | 19.1908% | 1,473 |
| Total risk-based capital ratio | 20.0029% | 1,529 |
| Memoranda: |
| Average total assets | $141,329,400 | 3,595 |
| Average earning assets | $134,461,600 | 3,538 |
| Average equity | $18,358,800 | 3,320 |
| Average total loans | $105,213,800 | 3,261 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8392% | 3,870 |
| Cost of funding earning assets | 0.8928% | 366 |
| Net interest margin | 2.9464% | 5,025 |
| Noninterest income to average assets | 0.3914% | 3,745 |
| Noninterest expense to average assets | 2.6043% | 3,399 |
| Loan and lease loss provision to assets | 0.0019% | 4,065 |
| Net operating income to assets | 0.4226% | 4,949 |
| Return on assets (ROA) | 0.4375% | 4,936 |
| Pretax return on assets | 0.6097% | 4,824 |
| Return on Equity (ROE) | 3.3906% | 5,011 |
| Retained earnings to average equity (ytd only) | 3.3906% | 3,907 |
| Net charge-offs to loans | 0.2193% | 991 |
| Credit loss provision to net charge-offs | 1.1628% | 3,267 |
| Earnings coverage of net charge-offs (x) | 3.6511% | 3,313 |
| Efficiency ratio | 81.5077% | 956 |
| Assets per employee ($millions) | 3.5884% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7434% | 5,036 |
| Loan loss allowance to noncurrent loans | 56.2280% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.0154% | 1,665 |
| Noncurrent loans to loans | 1.3222% | 1,442 |
| Net loans and leases to total assets | 76.2244% | 1,552 |
| Net loans and leases to deposits | 90.0308% | 1,804 |
| Net loans and leases to core deposits | 99.3471% | 1,765 |
| Total domestic deposits to total assets | 84.6648% | 2,856 |
| Equity capital to assets | 13.2973% | 1,253 |
| Core capital (leverage) ratio | 13.1775% | 1,136 |
| Tier 1 risk-based capital ratio | 19.2894% | 1,522 |
| Total risk-based capital ratio | 20.1202% | 1,581 |
| Memoranda: |
| Average total assets | $141,708,750 | 3,626 |
| Average earning assets | $134,852,500 | 3,558 |
| Average equity | $18,285,500 | 3,358 |
| Average total loans | $104,551,250 | 3,298 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7615% | 4,027 |
| Cost of funding earning assets | 0.8861% | 330 |
| Net interest margin | 2.8754% | 5,131 |
| Noninterest income to average assets | 0.3935% | 3,731 |
| Noninterest expense to average assets | 2.5679% | 3,531 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4123% | 4,951 |
| Return on assets (ROA) | 0.4174% | 4,967 |
| Pretax return on assets | 0.5692% | 4,863 |
| Return on Equity (ROE) | 3.2677% | 5,049 |
| Retained earnings to average equity (ytd only) | 3.2677% | 3,774 |
| Net charge-offs to loans | 0.1506% | 1,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 5.1282% | 2,856 |
| Efficiency ratio | 82.0386% | 1,003 |
| Assets per employee ($millions) | 3.7587% | 4,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8475% | 4,823 |
| Loan loss allowance to noncurrent loans | 85.2632% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 0.7316% | 2,374 |
| Noncurrent loans to loans | 0.9940% | 1,976 |
| Net loans and leases to total assets | 72.9801% | 2,045 |
| Net loans and leases to deposits | 85.7257% | 2,253 |
| Net loans and leases to core deposits | 94.0981% | 2,148 |
| Total domestic deposits to total assets | 85.1322% | 2,760 |
| Equity capital to assets | 12.9460% | 1,396 |
| Core capital (leverage) ratio | 12.8767% | 1,226 |
| Tier 1 risk-based capital ratio | 19.3475% | 1,508 |
| Total risk-based capital ratio | 20.2888% | 1,533 |
| Memoranda: |
| Average total assets | $142,296,330 | 3,629 |
| Average earning assets | $135,423,000 | 3,567 |
| Average equity | $18,177,670 | 3,375 |
| Average total loans | $103,577,670 | 3,325 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6287% | 4,338 |
| Cost of funding earning assets | 0.8820% | 312 |
| Net interest margin | 2.7467% | 5,331 |
| Noninterest income to average assets | 0.3633% | 3,933 |
| Noninterest expense to average assets | 2.5995% | 3,508 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3126% | 5,161 |
| Return on assets (ROA) | 0.3126% | 5,187 |
| Pretax return on assets | 0.3774% | 5,198 |
| Return on Equity (ROE) | 2.4638% | 5,240 |
| Retained earnings to average equity (ytd only) | 2.4638% | 4,157 |
| Net charge-offs to loans | 0.2685% | 682 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.9420% | 2,659 |
| Efficiency ratio | 87.3226% | 711 |
| Assets per employee ($millions) | 3.8711% | 4,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8698% | 4,866 |
| Loan loss allowance to noncurrent loans | 81.9672% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 0.7666% | 2,386 |
| Noncurrent loans to loans | 1.0611% | 1,930 |
| Net loans and leases to total assets | 71.6153% | 2,126 |
| Net loans and leases to deposits | 83.8539% | 2,300 |
| Net loans and leases to core deposits | 92.2272% | 2,140 |
| Total domestic deposits to total assets | 85.4048% | 2,923 |
| Equity capital to assets | 12.6403% | 1,447 |
| Core capital (leverage) ratio | 12.9400% | 1,169 |
| Tier 1 risk-based capital ratio | 19.4959% | 1,495 |
| Total risk-based capital ratio | 20.4576% | 1,527 |
| Memoranda: |
| Average total assets | $142,028,500 | 3,663 |
| Average earning assets | $135,144,500 | 3,604 |
| Average equity | $18,021,000 | 3,409 |
| Average total loans | $102,801,500 | 3,368 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7236% | 4,144 |
| Cost of funding earning assets | 0.9231% | 260 |
| Net interest margin | 2.8005% | 5,288 |
| Noninterest income to average assets | 0.3355% | 4,335 |
| Noninterest expense to average assets | 2.5410% | 3,869 |
| Loan and lease loss provision to assets | 0.0784% | 2,799 |
| Net operating income to assets | 0.2601% | 5,302 |
| Return on assets (ROA) | 0.2966% | 5,296 |
| Pretax return on assets | 0.4301% | 5,158 |
| Return on Equity (ROE) | 2.3314% | 5,324 |
| Retained earnings to average equity (ytd only) | 2.3314% | 4,200 |
| Net charge-offs to loans | 0.2374% | 1,176 |
| Credit loss provision to net charge-offs | 45.4918% | 3,432 |
| Earnings coverage of net charge-offs (x) | 2.6434% | 3,793 |
| Efficiency ratio | 84.7985% | 927 |
| Assets per employee ($millions) | 3.7059% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9488% | 4,586 |
| Loan loss allowance to noncurrent loans | 95.1866% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 0.7229% | 2,561 |
| Noncurrent loans to loans | 0.9968% | 2,098 |
| Net loans and leases to total assets | 71.8324% | 2,190 |
| Net loans and leases to deposits | 84.3426% | 2,374 |
| Net loans and leases to core deposits | 93.5444% | 2,153 |
| Total domestic deposits to total assets | 85.1674% | 2,975 |
| Equity capital to assets | 12.7371% | 1,375 |
| Core capital (leverage) ratio | 12.8401% | 1,192 |
| Tier 1 risk-based capital ratio | 19.8632% | 1,402 |
| Total risk-based capital ratio | 20.9274% | 1,406 |
| Memoranda: |
| Average total assets | $141,597,400 | 3,646 |
| Average earning assets | $134,547,000 | 3,580 |
| Average equity | $18,014,600 | 3,406 |
| Average total loans | $102,789,600 | 3,334 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7058% | 4,235 |
| Cost of funding earning assets | 0.9252% | 256 |
| Net interest margin | 2.7806% | 5,385 |
| Noninterest income to average assets | 0.3498% | 4,284 |
| Noninterest expense to average assets | 2.5897% | 3,702 |
| Loan and lease loss provision to assets | 0.1044% | 2,182 |
| Net operating income to assets | 0.2594% | 5,372 |
| Return on assets (ROA) | 0.2962% | 5,379 |
| Pretax return on assets | 0.3404% | 5,395 |
| Return on Equity (ROE) | 2.3289% | 5,403 |
| Retained earnings to average equity (ytd only) | 2.3289% | 4,529 |
| Net charge-offs to loans | 0.2189% | 1,066 |
| Credit loss provision to net charge-offs | 65.6805% | 2,848 |
| Earnings coverage of net charge-offs (x) | 2.5325% | 3,551 |
| Efficiency ratio | 86.5493% | 783 |
| Assets per employee ($millions) | 3.8600% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0269% | 4,266 |
| Loan loss allowance to noncurrent loans | 90.9408% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 0.8038% | 2,531 |
| Noncurrent loans to loans | 1.1292% | 1,994 |
| Net loans and leases to total assets | 70.4511% | 2,426 |
| Net loans and leases to deposits | 82.6066% | 2,652 |
| Net loans and leases to core deposits | 91.4544% | 2,441 |
| Total domestic deposits to total assets | 85.2851% | 2,683 |
| Equity capital to assets | 12.7390% | 1,628 |
| Core capital (leverage) ratio | 12.5578% | 1,375 |
| Tier 1 risk-based capital ratio | 19.5592% | 1,532 |
| Total risk-based capital ratio | 20.6989% | 1,520 |
| Memoranda: |
| Average total assets | $141,790,500 | 3,659 |
| Average earning assets | $134,740,500 | 3,593 |
| Average equity | $18,034,000 | 3,427 |
| Average total loans | $102,955,250 | 3,347 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7816% | 4,019 |
| Cost of funding earning assets | 0.9246% | 257 |
| Net interest margin | 2.8571% | 5,338 |
| Noninterest income to average assets | 0.3351% | 4,388 |
| Noninterest expense to average assets | 2.5946% | 3,741 |
| Loan and lease loss provision to assets | 0.1569% | 1,448 |
| Net operating income to assets | 0.2549% | 5,422 |
| Return on assets (ROA) | 0.3097% | 5,386 |
| Pretax return on assets | 0.3606% | 5,404 |
| Return on Equity (ROE) | 2.4359% | 5,404 |
| Retained earnings to average equity (ytd only) | 2.4359% | 4,335 |
| Net charge-offs to loans | 0.1548% | 1,407 |
| Credit loss provision to net charge-offs | 138.7500% | 1,692 |
| Earnings coverage of net charge-offs (x) | 4.0125% | 3,030 |
| Efficiency ratio | 85.1113% | 958 |
| Assets per employee ($millions) | 3.8438% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1138% | 3,874 |
| Loan loss allowance to noncurrent loans | 90.7853% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 0.8775% | 2,403 |
| Noncurrent loans to loans | 1.2268% | 1,872 |
| Net loans and leases to total assets | 70.7315% | 2,361 |
| Net loans and leases to deposits | 82.9951% | 2,588 |
| Net loans and leases to core deposits | 91.7126% | 2,369 |
| Total domestic deposits to total assets | 85.2237% | 2,775 |
| Equity capital to assets | 12.8047% | 1,611 |
| Core capital (leverage) ratio | 12.5484% | 1,327 |
| Tier 1 risk-based capital ratio | 19.5264% | 1,558 |
| Total risk-based capital ratio | 20.7634% | 1,525 |
| Memoranda: |
| Average total assets | $141,447,000 | 3,684 |
| Average earning assets | $134,334,330 | 3,621 |
| Average equity | $17,980,670 | 3,441 |
| Average total loans | $103,386,000 | 3,353 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7595% | 4,101 |
| Cost of funding earning assets | 0.9234% | 260 |
| Net interest margin | 2.8361% | 5,420 |
| Noninterest income to average assets | 0.3516% | 4,211 |
| Noninterest expense to average assets | 2.5578% | 3,888 |
| Loan and lease loss provision to assets | 0.1588% | 1,316 |
| Net operating income to assets | 0.2697% | 5,381 |
| Return on assets (ROA) | 0.3403% | 5,269 |
| Pretax return on assets | 0.4112% | 5,288 |
| Return on Equity (ROE) | 2.6867% | 5,336 |
| Retained earnings to average equity (ytd only) | 2.6867% | 4,168 |
| Net charge-offs to loans | 0.2034% | 978 |
| Credit loss provision to net charge-offs | 105.6604% | 1,557 |
| Earnings coverage of net charge-offs (x) | 3.2264% | 2,570 |
| Efficiency ratio | 84.0634% | 1,150 |
| Assets per employee ($millions) | 3.9010% | 4,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0662% | 4,252 |
| Loan loss allowance to noncurrent loans | 79.8410% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.0218% | 2,162 |
| Noncurrent loans to loans | 1.3354% | 1,786 |
| Net loans and leases to total assets | 73.0121% | 1,886 |
| Net loans and leases to deposits | 85.7532% | 2,086 |
| Net loans and leases to core deposits | 94.6673% | 1,921 |
| Total domestic deposits to total assets | 85.1421% | 3,067 |
| Equity capital to assets | 12.7716% | 1,526 |
| Core capital (leverage) ratio | 12.6398% | 1,287 |
| Tier 1 risk-based capital ratio | 18.9552% | 1,744 |
| Total risk-based capital ratio | 20.1328% | 1,724 |
| Memoranda: |
| Average total assets | $141,060,000 | 3,721 |
| Average earning assets | $133,848,000 | 3,654 |
| Average equity | $17,865,500 | 3,458 |
| Average total loans | $104,215,000 | 3,350 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9588% | 3,473 |
| Cost of funding earning assets | 0.9097% | 277 |
| Net interest margin | 3.0491% | 5,025 |
| Noninterest income to average assets | 0.3156% | 4,635 |
| Noninterest expense to average assets | 2.6526% | 3,750 |
| Loan and lease loss provision to assets | 0.2257% | 902 |
| Net operating income to assets | 0.3025% | 5,356 |
| Return on assets (ROA) | 0.3857% | 5,178 |
| Pretax return on assets | 0.4233% | 5,276 |
| Return on Equity (ROE) | 3.0019% | 5,302 |
| Retained earnings to average equity (ytd only) | 3.0019% | 3,927 |
| Net charge-offs to loans | 0.3871% | 745 |
| Credit loss provision to net charge-offs | 78.2609% | 2,981 |
| Earnings coverage of net charge-offs (x) | 1.9335% | 4,005 |
| Efficiency ratio | 82.6327% | 1,317 |
| Assets per employee ($millions) | 3.9356% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0516% | 4,303 |
| Loan loss allowance to noncurrent loans | 81.2085% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 0.9938% | 2,211 |
| Noncurrent loans to loans | 1.2950% | 1,818 |
| Net loans and leases to total assets | 73.1824% | 1,854 |
| Net loans and leases to deposits | 85.7832% | 2,158 |
| Net loans and leases to core deposits | 96.1017% | 1,837 |
| Total domestic deposits to total assets | 85.3109% | 2,946 |
| Equity capital to assets | 12.5597% | 1,593 |
| Core capital (leverage) ratio | 12.8325% | 1,217 |
| Tier 1 risk-based capital ratio | 18.5623% | 1,817 |
| Total risk-based capital ratio | 19.7203% | 1,784 |
| Memoranda: |
| Average total assets | $135,602,000 | 3,797 |
| Average earning assets | $128,726,600 | 3,728 |
| Average equity | $17,422,200 | 3,470 |
| Average total loans | $100,995,000 | 3,367 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8850% | 3,794 |
| Cost of funding earning assets | 0.9037% | 283 |
| Net interest margin | 2.9813% | 5,241 |
| Noninterest income to average assets | 0.2208% | 5,332 |
| Noninterest expense to average assets | 2.7475% | 3,394 |
| Loan and lease loss provision to assets | 0.1581% | 1,361 |
| Net operating income to assets | 0.0951% | 5,852 |
| Return on assets (ROA) | 0.1571% | 5,811 |
| Pretax return on assets | 0.2416% | 5,734 |
| Return on Equity (ROE) | 1.2157% | 5,826 |
| Retained earnings to average equity (ytd only) | 1.2157% | 5,237 |
| Net charge-offs to loans | 0.3465% | 762 |
| Credit loss provision to net charge-offs | 61.1538% | 2,895 |
| Earnings coverage of net charge-offs (x) | 1.1769% | 3,877 |
| Efficiency ratio | 90.0293% | 696 |
| Assets per employee ($millions) | 3.8036% | 4,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0491% | 4,473 |
| Loan loss allowance to noncurrent loans | 86.2589% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 1.0363% | 2,280 |
| Noncurrent loans to loans | 1.2162% | 2,101 |
| Net loans and leases to total assets | 74.8088% | 1,583 |
| Net loans and leases to deposits | 87.7230% | 1,939 |
| Net loans and leases to core deposits | 96.2753% | 1,857 |
| Total domestic deposits to total assets | 85.2785% | 2,895 |
| Equity capital to assets | 12.6693% | 1,639 |
| Core capital (leverage) ratio | 12.6253% | 1,352 |
| Tier 1 risk-based capital ratio | 18.4830% | 1,902 |
| Total risk-based capital ratio | 19.6432% | 1,885 |
| Memoranda: |
| Average total assets | $134,081,750 | 3,859 |
| Average earning assets | $127,325,000 | 3,788 |
| Average equity | $17,329,000 | 3,514 |
| Average total loans | $100,046,500 | 3,420 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9240% | 3,603 |
| Cost of funding earning assets | 0.9024% | 285 |
| Net interest margin | 3.0216% | 5,173 |
| Noninterest income to average assets | 0.2043% | 5,459 |
| Noninterest expense to average assets | 2.7311% | 3,487 |
| Loan and lease loss provision to assets | 0.1637% | 1,283 |
| Net operating income to assets | 0.1177% | 5,850 |
| Return on assets (ROA) | 0.1773% | 5,806 |
| Pretax return on assets | 0.2749% | 5,698 |
| Return on Equity (ROE) | 1.3624% | 5,821 |
| Retained earnings to average equity (ytd only) | 1.3624% | 5,003 |
| Net charge-offs to loans | 0.2589% | 1,002 |
| Credit loss provision to net charge-offs | 85.1563% | 2,273 |
| Earnings coverage of net charge-offs (x) | 1.7969% | 3,450 |
| Efficiency ratio | 88.7695% | 849 |
| Assets per employee ($millions) | 3.6518% | 4,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1697% | 3,976 |
| Loan loss allowance to noncurrent loans | 105.5104% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 0.8193% | 2,926 |
| Noncurrent loans to loans | 1.1086% | 2,440 |
| Net loans and leases to total assets | 73.0374% | 1,813 |
| Net loans and leases to deposits | 85.5840% | 2,095 |
| Net loans and leases to core deposits | 93.1246% | 2,050 |
| Total domestic deposits to total assets | 85.3401% | 2,993 |
| Equity capital to assets | 12.7541% | 1,514 |
| Core capital (leverage) ratio | 12.8396% | 1,239 |
| Tier 1 risk-based capital ratio | 15.9124% | 2,897 |
| Total risk-based capital ratio | 16.9892% | 2,932 |
| Memoranda: |
| Average total assets | $133,132,670 | 3,906 |
| Average earning assets | $126,556,000 | 3,834 |
| Average equity | $17,322,670 | 3,523 |
| Average total loans | $98,888,330 | 3,457 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9971% | 3,239 |
| Cost of funding earning assets | 0.8974% | 292 |
| Net interest margin | 3.0996% | 4,954 |
| Noninterest income to average assets | 0.1574% | 5,800 |
| Noninterest expense to average assets | 2.8031% | 3,244 |
| Loan and lease loss provision to assets | 0.1786% | 1,079 |
| Net operating income to assets | 0.0798% | 5,912 |
| Return on assets (ROA) | 0.1998% | 5,776 |
| Pretax return on assets | 0.3088% | 5,636 |
| Return on Equity (ROE) | 1.5201% | 5,801 |
| Retained earnings to average equity (ytd only) | 1.5201% | 4,876 |
| Net charge-offs to loans | 0.2723% | 880 |
| Credit loss provision to net charge-offs | 88.0597% | 1,761 |
| Earnings coverage of net charge-offs (x) | 1.4925% | 2,911 |
| Efficiency ratio | 90.2534% | 833 |
| Assets per employee ($millions) | 3.6035% | 4,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1916% | 4,029 |
| Loan loss allowance to noncurrent loans | 100.8562% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.0283% | 2,565 |
| Noncurrent loans to loans | 1.1815% | 2,409 |
| Net loans and leases to total assets | 73.2616% | 1,605 |
| Net loans and leases to deposits | 85.3166% | 1,920 |
| Net loans and leases to core deposits | 90.2763% | 2,101 |
| Total domestic deposits to total assets | 85.8703% | 3,008 |
| Equity capital to assets | 13.0707% | 1,362 |
| Core capital (leverage) ratio | 13.0432% | 1,141 |
| Tier 1 risk-based capital ratio | 19.7564% | 1,677 |
| Total risk-based capital ratio | 21.0078% | 1,639 |
| Memoranda: |
| Average total assets | $132,140,500 | 3,952 |
| Average earning assets | $125,692,500 | 3,876 |
| Average equity | $17,367,500 | 3,542 |
| Average total loans | $98,405,500 | 3,484 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2242% | 2,870 |
| Cost of funding earning assets | 0.9959% | 235 |
| Net interest margin | 3.2283% | 4,835 |
| Noninterest income to average assets | 0.3169% | 4,852 |
| Noninterest expense to average assets | 2.4651% | 4,653 |
| Loan and lease loss provision to assets | 0.2791% | 761 |
| Net operating income to assets | 0.4713% | 4,920 |
| Return on assets (ROA) | 0.5567% | 4,666 |
| Pretax return on assets | 0.7140% | 4,570 |
| Return on Equity (ROE) | 4.2917% | 4,985 |
| Retained earnings to average equity (ytd only) | 4.2917% | 3,135 |
| Net charge-offs to loans | 0.3794% | 1,135 |
| Credit loss provision to net charge-offs | 100.5556% | 2,376 |
| Earnings coverage of net charge-offs (x) | 3.1833% | 3,950 |
| Efficiency ratio | 73.6127% | 2,900 |
| Assets per employee ($millions) | 3.6376% | 4,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2118% | 3,924 |
| Loan loss allowance to noncurrent loans | 49.9159% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 1.8549% | 1,399 |
| Noncurrent loans to loans | 2.4277% | 1,063 |
| Net loans and leases to total assets | 73.8950% | 1,598 |
| Net loans and leases to deposits | 86.2243% | 1,952 |
| Net loans and leases to core deposits | 91.0834% | 2,182 |
| Total domestic deposits to total assets | 85.7009% | 2,984 |
| Equity capital to assets | 13.2171% | 1,266 |
| Core capital (leverage) ratio | 13.0942% | 1,098 |
| Tier 1 risk-based capital ratio | 15.4177% | 3,267 |
| Total risk-based capital ratio | 16.4867% | 3,306 |
| Memoranda: |
| Average total assets | $129,689,400 | 3,980 |
| Average earning assets | $121,797,200 | 3,922 |
| Average equity | $16,823,000 | 3,553 |
| Average total loans | $94,891,400 | 3,528 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2347% | 2,866 |
| Cost of funding earning assets | 1.0163% | 231 |
| Net interest margin | 3.2184% | 4,898 |
| Noninterest income to average assets | 0.3030% | 5,019 |
| Noninterest expense to average assets | 2.4280% | 4,736 |
| Loan and lease loss provision to assets | 0.1237% | 2,020 |
| Net operating income to assets | 0.5109% | 4,836 |
| Return on assets (ROA) | 0.5709% | 4,665 |
| Pretax return on assets | 0.8533% | 4,168 |
| Return on Equity (ROE) | 4.4226% | 4,997 |
| Retained earnings to average equity (ytd only) | 4.4226% | 3,504 |
| Net charge-offs to loans | 0.3612% | 1,110 |
| Credit loss provision to net charge-offs | 47.0588% | 3,153 |
| Earnings coverage of net charge-offs (x) | 3.3765% | 3,674 |
| Efficiency ratio | 73.2359% | 2,951 |
| Assets per employee ($millions) | 3.7373% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0912% | 4,789 |
| Loan loss allowance to noncurrent loans | 44.1548% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 1.8623% | 1,584 |
| Noncurrent loans to loans | 2.4713% | 1,193 |
| Net loans and leases to total assets | 72.7623% | 1,725 |
| Net loans and leases to deposits | 84.9596% | 2,037 |
| Net loans and leases to core deposits | 89.7540% | 2,251 |
| Total domestic deposits to total assets | 85.6434% | 3,045 |
| Equity capital to assets | 13.0776% | 1,389 |
| Core capital (leverage) ratio | 12.9890% | 1,180 |
| Tier 1 risk-based capital ratio | 15.5375% | 3,296 |
| Total risk-based capital ratio | 16.5000% | 3,390 |
| Memoranda: |
| Average total assets | $129,373,750 | 4,020 |
| Average earning assets | $121,092,750 | 3,968 |
| Average equity | $16,701,750 | 3,591 |
| Average total loans | $94,125,750 | 3,580 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2695% | 2,702 |
| Cost of funding earning assets | 1.0320% | 220 |
| Net interest margin | 3.2375% | 4,817 |
| Noninterest income to average assets | 0.2777% | 5,206 |
| Noninterest expense to average assets | 2.4205% | 4,823 |
| Loan and lease loss provision to assets | 0.1241% | 1,988 |
| Net operating income to assets | 0.5144% | 4,748 |
| Return on assets (ROA) | 0.5679% | 4,612 |
| Pretax return on assets | 0.8286% | 4,160 |
| Return on Equity (ROE) | 4.4184% | 4,959 |
| Retained earnings to average equity (ytd only) | 4.4184% | 3,362 |
| Net charge-offs to loans | 0.4817% | 834 |
| Credit loss provision to net charge-offs | 35.5556% | 2,984 |
| Earnings coverage of net charge-offs (x) | 2.5067% | 3,535 |
| Efficiency ratio | 73.4463% | 3,075 |
| Assets per employee ($millions) | 3.8475% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1104% | 4,858 |
| Loan loss allowance to noncurrent loans | 57.6816% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 1.4104% | 2,323 |
| Noncurrent loans to loans | 1.9250% | 1,770 |
| Net loans and leases to total assets | 70.8036% | 1,948 |
| Net loans and leases to deposits | 82.4280% | 2,204 |
| Net loans and leases to core deposits | 87.0621% | 2,417 |
| Total domestic deposits to total assets | 85.8975% | 3,097 |
| Equity capital to assets | 12.9084% | 1,420 |
| Core capital (leverage) ratio | 12.9287% | 1,181 |
| Tier 1 risk-based capital ratio | 15.5422% | 3,338 |
| Total risk-based capital ratio | 16.5062% | 3,441 |
| Memoranda: |
| Average total assets | $128,897,000 | 4,058 |
| Average earning assets | $120,155,000 | 4,003 |
| Average equity | $16,567,000 | 3,602 |
| Average total loans | $93,425,670 | 3,605 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2056% | 2,857 |
| Cost of funding earning assets | 1.0429% | 220 |
| Net interest margin | 3.1626% | 5,045 |
| Noninterest income to average assets | 0.3314% | 4,723 |
| Noninterest expense to average assets | 2.5387% | 4,484 |
| Loan and lease loss provision to assets | 0.1251% | 1,936 |
| Net operating income to assets | 0.4432% | 4,962 |
| Return on assets (ROA) | 0.5565% | 4,503 |
| Pretax return on assets | 0.7504% | 4,310 |
| Return on Equity (ROE) | 4.3395% | 4,867 |
| Retained earnings to average equity (ytd only) | 4.3395% | 3,525 |
| Net charge-offs to loans | 0.0171% | 3,239 |
| Credit loss provision to net charge-offs | 1,000.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 57.7500% | 673 |
| Efficiency ratio | 77.8523% | 2,493 |
| Assets per employee ($millions) | 3.6813% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3065% | 4,092 |
| Loan loss allowance to noncurrent loans | 64.9123% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 1.6485% | 2,139 |
| Noncurrent loans to loans | 2.0126% | 1,852 |
| Net loans and leases to total assets | 71.5872% | 1,636 |
| Net loans and leases to deposits | 83.2661% | 1,914 |
| Net loans and leases to core deposits | 88.0150% | 2,094 |
| Total domestic deposits to total assets | 85.9741% | 3,378 |
| Equity capital to assets | 12.8633% | 1,375 |
| Core capital (leverage) ratio | 12.9641% | 1,181 |
| Tier 1 risk-based capital ratio | 15.4754% | 3,446 |
| Total risk-based capital ratio | 16.6155% | 3,465 |
| Memoranda: |
| Average total assets | $127,938,500 | 4,105 |
| Average earning assets | $118,510,000 | 4,083 |
| Average equity | $16,407,500 | 3,632 |
| Average total loans | $93,308,000 | 3,629 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2898% | 3,003 |
| Cost of funding earning assets | 1.1977% | 182 |
| Net interest margin | 3.0921% | 5,333 |
| Noninterest income to average assets | 0.3774% | 4,609 |
| Noninterest expense to average assets | 2.2855% | 5,419 |
| Loan and lease loss provision to assets | 0.1268% | 2,723 |
| Net operating income to assets | 0.6219% | 4,155 |
| Return on assets (ROA) | 0.6572% | 4,101 |
| Pretax return on assets | 0.8950% | 3,783 |
| Return on Equity (ROE) | 5.1830% | 4,546 |
| Retained earnings to average equity (ytd only) | 5.1830% | 2,483 |
| Net charge-offs to loans | -0.0022% | 5,858 |
| Credit loss provision to net charge-offs | -8,000.0000% | 6,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1289% | 3,820 |
| Assets per employee ($millions) | 3.6294% | 4,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2720% | 4,282 |
| Loan loss allowance to noncurrent loans | 60.0000% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 1.6350% | 2,265 |
| Noncurrent loans to loans | 2.1201% | 1,859 |
| Net loans and leases to total assets | 72.4018% | 1,613 |
| Net loans and leases to deposits | 85.9166% | 1,696 |
| Net loans and leases to core deposits | 91.4153% | 1,859 |
| Total domestic deposits to total assets | 84.2699% | 4,064 |
| Equity capital to assets | 12.7852% | 1,375 |
| Core capital (leverage) ratio | 13.1055% | 1,105 |
| Tier 1 risk-based capital ratio | 15.5736% | 3,327 |
| Total risk-based capital ratio | 16.7055% | 3,350 |
| Memoranda: |
| Average total assets | $126,141,400 | 4,139 |
| Average earning assets | $117,557,800 | 4,096 |
| Average equity | $15,994,600 | 3,702 |
| Average total loans | $88,974,600 | 3,713 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3061% | 2,959 |
| Cost of funding earning assets | 1.2464% | 160 |
| Net interest margin | 3.0597% | 5,435 |
| Noninterest income to average assets | 0.4034% | 4,512 |
| Noninterest expense to average assets | 2.2818% | 5,400 |
| Loan and lease loss provision to assets | 0.1271% | 2,705 |
| Net operating income to assets | 0.5708% | 4,471 |
| Return on assets (ROA) | 0.6184% | 4,392 |
| Pretax return on assets | 0.9106% | 3,840 |
| Return on Equity (ROE) | 4.8870% | 4,779 |
| Retained earnings to average equity (ytd only) | 4.8870% | 3,160 |
| Net charge-offs to loans | -0.0015% | 5,674 |
| Credit loss provision to net charge-offs | -12,000.0000% | 6,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2183% | 3,724 |
| Assets per employee ($millions) | 3.4947% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2897% | 4,445 |
| Loan loss allowance to noncurrent loans | 48.6188% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 2.0071% | 2,006 |
| Noncurrent loans to loans | 2.6528% | 1,590 |
| Net loans and leases to total assets | 71.5836% | 1,665 |
| Net loans and leases to deposits | 83.2131% | 1,974 |
| Net loans and leases to core deposits | 88.8587% | 2,089 |
| Total domestic deposits to total assets | 86.0244% | 3,238 |
| Equity capital to assets | 13.0910% | 1,292 |
| Core capital (leverage) ratio | 13.0744% | 1,175 |
| Tier 1 risk-based capital ratio | 15.9299% | 3,233 |
| Total risk-based capital ratio | 17.0637% | 3,245 |
| Memoranda: |
| Average total assets | $125,919,250 | 4,192 |
| Average earning assets | $117,133,250 | 4,146 |
| Average equity | $15,933,000 | 3,755 |
| Average total loans | $87,929,000 | 3,760 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2964% | 2,967 |
| Cost of funding earning assets | 1.3046% | 137 |
| Net interest margin | 2.9917% | 5,580 |
| Noninterest income to average assets | 0.3918% | 4,585 |
| Noninterest expense to average assets | 2.2640% | 5,465 |
| Loan and lease loss provision to assets | 0.1259% | 2,750 |
| Net operating income to assets | 0.5413% | 4,600 |
| Return on assets (ROA) | 0.6010% | 4,454 |
| Pretax return on assets | 0.8700% | 4,023 |
| Return on Equity (ROE) | 4.8030% | 4,827 |
| Retained earnings to average equity (ytd only) | 4.8030% | 3,181 |
| Net charge-offs to loans | -0.0023% | 5,540 |
| Credit loss provision to net charge-offs | -8,000.0000% | 6,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3436% | 3,588 |
| Assets per employee ($millions) | 3.9536% | 3,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2422% | 4,774 |
| Loan loss allowance to noncurrent loans | 91.8469% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.0592% | 3,629 |
| Noncurrent loans to loans | 1.3525% | 3,291 |
| Net loans and leases to total assets | 69.3736% | 2,004 |
| Net loans and leases to deposits | 81.2930% | 2,144 |
| Net loans and leases to core deposits | 86.6348% | 2,268 |
| Total domestic deposits to total assets | 85.3377% | 3,727 |
| Equity capital to assets | 12.5748% | 1,531 |
| Core capital (leverage) ratio | 12.6695% | 1,301 |
| Tier 1 risk-based capital ratio | 16.0912% | 3,138 |
| Total risk-based capital ratio | 17.2082% | 3,159 |
| Memoranda: |
| Average total assets | $127,121,330 | 4,201 |
| Average earning assets | $118,192,670 | 4,153 |
| Average equity | $15,906,670 | 3,782 |
| Average total loans | $87,672,000 | 3,779 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2646% | 3,043 |
| Cost of funding earning assets | 1.3868% | 105 |
| Net interest margin | 2.8779% | 5,862 |
| Noninterest income to average assets | 0.3453% | 4,924 |
| Noninterest expense to average assets | 2.3324% | 5,332 |
| Loan and lease loss provision to assets | 0.1256% | 2,665 |
| Net operating income to assets | 0.4031% | 5,119 |
| Return on assets (ROA) | 0.4866% | 4,897 |
| Pretax return on assets | 0.6906% | 4,618 |
| Return on Equity (ROE) | 3.8980% | 5,146 |
| Retained earnings to average equity (ytd only) | 3.8980% | 3,896 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9948% | 2,765 |
| Assets per employee ($millions) | 3.9396% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2344% | 5,027 |
| Loan loss allowance to noncurrent loans | 135.5867% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.7551% | 4,487 |
| Noncurrent loans to loans | 0.9104% | 4,315 |
| Net loans and leases to total assets | 67.4628% | 2,111 |
| Net loans and leases to deposits | 78.4361% | 2,284 |
| Net loans and leases to core deposits | 84.2053% | 2,298 |
| Total domestic deposits to total assets | 86.0099% | 3,523 |
| Equity capital to assets | 12.6463% | 1,622 |
| Core capital (leverage) ratio | 12.4890% | 1,343 |
| Tier 1 risk-based capital ratio | 16.8588% | 2,827 |
| Total risk-based capital ratio | 18.0039% | 2,849 |
| Memoranda: |
| Average total assets | $127,424,500 | 4,233 |
| Average earning assets | $118,838,500 | 4,180 |
| Average equity | $15,905,500 | 3,834 |
| Average total loans | $87,072,000 | 3,811 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7574% | 2,372 |
| Cost of funding earning assets | 1.7414% | 65 |
| Net interest margin | 3.0160% | 6,017 |
| Noninterest income to average assets | 0.4500% | 4,243 |
| Noninterest expense to average assets | 2.1243% | 6,072 |
| Loan and lease loss provision to assets | 0.1092% | 4,263 |
| Net operating income to assets | 0.7194% | 3,643 |
| Return on assets (ROA) | 0.7510% | 3,749 |
| Pretax return on assets | 1.0583% | 3,328 |
| Return on Equity (ROE) | 6.2431% | 4,046 |
| Retained earnings to average equity (ytd only) | 6.2431% | 1,954 |
| Net charge-offs to loans | 0.0143% | 5,712 |
| Credit loss provision to net charge-offs | 1,076.9231% | 244 |
| Earnings coverage of net charge-offs (x) | 110.7692% | 347 |
| Efficiency ratio | 65.4179% | 4,623 |
| Assets per employee ($millions) | 4.0244% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1621% | 5,297 |
| Loan loss allowance to noncurrent loans | 73.1760% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.1819% | 3,682 |
| Noncurrent loans to loans | 1.5881% | 3,240 |
| Net loans and leases to total assets | 67.5635% | 2,269 |
| Net loans and leases to deposits | 78.5450% | 2,458 |
| Net loans and leases to core deposits | 83.6239% | 2,589 |
| Total domestic deposits to total assets | 86.0189% | 3,358 |
| Equity capital to assets | 12.3217% | 1,847 |
| Core capital (leverage) ratio | 12.3097% | 1,395 |
| Tier 1 risk-based capital ratio | 16.7427% | 2,777 |
| Total risk-based capital ratio | 17.8482% | 2,813 |
| Memoranda: |
| Average total assets | $128,229,800 | 4,180 |
| Average earning assets | $118,930,600 | 4,130 |
| Average equity | $15,425,000 | 3,873 |
| Average total loans | $91,178,200 | 3,719 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8565% | 2,167 |
| Cost of funding earning assets | 1.7856% | 61 |
| Net interest margin | 3.0710% | 6,010 |
| Noninterest income to average assets | 0.4486% | 4,306 |
| Noninterest expense to average assets | 2.1255% | 6,116 |
| Loan and lease loss provision to assets | 0.1093% | 4,204 |
| Net operating income to assets | 0.7009% | 3,915 |
| Return on assets (ROA) | 0.7401% | 3,988 |
| Pretax return on assets | 1.1231% | 3,263 |
| Return on Equity (ROE) | 6.1902% | 4,237 |
| Retained earnings to average equity (ytd only) | 6.1902% | 2,571 |
| Net charge-offs to loans | -0.0073% | 6,314 |
| Credit loss provision to net charge-offs | -2,100.0000% | 6,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4367% | 4,731 |
| Assets per employee ($millions) | 4.1373% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1042% | 5,707 |
| Loan loss allowance to noncurrent loans | 97.1981% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.9536% | 4,373 |
| Noncurrent loans to loans | 1.1360% | 4,156 |
| Net loans and leases to total assets | 70.2522% | 1,864 |
| Net loans and leases to deposits | 81.0941% | 2,239 |
| Net loans and leases to core deposits | 87.2532% | 2,310 |
| Total domestic deposits to total assets | 86.6305% | 2,898 |
| Equity capital to assets | 12.2794% | 2,056 |
| Core capital (leverage) ratio | 11.9653% | 1,676 |
| Tier 1 risk-based capital ratio | 16.3755% | 3,079 |
| Total risk-based capital ratio | 17.4574% | 3,136 |
| Memoranda: |
| Average total assets | $128,092,000 | 4,230 |
| Average earning assets | $118,874,500 | 4,178 |
| Average equity | $15,314,250 | 3,933 |
| Average total loans | $91,964,750 | 3,736 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9150% | 2,045 |
| Cost of funding earning assets | 1.7920% | 69 |
| Net interest margin | 3.1230% | 5,938 |
| Noninterest income to average assets | 0.3999% | 4,649 |
| Noninterest expense to average assets | 2.0916% | 6,247 |
| Loan and lease loss provision to assets | 0.1093% | 4,155 |
| Net operating income to assets | 0.7323% | 3,697 |
| Return on assets (ROA) | 0.7920% | 3,676 |
| Pretax return on assets | 1.1872% | 2,983 |
| Return on Equity (ROE) | 6.6845% | 3,943 |
| Retained earnings to average equity (ytd only) | 6.6845% | 2,282 |
| Net charge-offs to loans | -0.0195% | 6,427 |
| Credit loss provision to net charge-offs | -777.7778% | 6,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3996% | 5,009 |
| Assets per employee ($millions) | 4.0226% | 3,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0633% | 5,912 |
| Loan loss allowance to noncurrent loans | 129.1391% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.7062% | 5,025 |
| Noncurrent loans to loans | 0.8234% | 4,871 |
| Net loans and leases to total assets | 70.4777% | 1,827 |
| Net loans and leases to deposits | 80.8853% | 2,249 |
| Net loans and leases to core deposits | 87.2561% | 2,284 |
| Total domestic deposits to total assets | 87.1328% | 2,695 |
| Equity capital to assets | 11.9217% | 2,201 |
| Core capital (leverage) ratio | 11.8129% | 1,715 |
| Tier 1 risk-based capital ratio | 16.5833% | 2,869 |
| Total risk-based capital ratio | 17.6585% | 2,922 |
| Memoranda: |
| Average total assets | $128,037,670 | 4,249 |
| Average earning assets | $118,860,670 | 4,206 |
| Average equity | $15,169,330 | 3,954 |
| Average total loans | $92,250,330 | 3,749 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9320% | 2,127 |
| Cost of funding earning assets | 1.8066% | 84 |
| Net interest margin | 3.1254% | 5,968 |
| Noninterest income to average assets | 0.3665% | 4,939 |
| Noninterest expense to average assets | 2.0862% | 6,296 |
| Loan and lease loss provision to assets | 0.1096% | 3,980 |
| Net operating income to assets | 0.7274% | 3,744 |
| Return on assets (ROA) | 0.7988% | 3,620 |
| Pretax return on assets | 1.1872% | 2,958 |
| Return on Equity (ROE) | 6.7635% | 3,910 |
| Retained earnings to average equity (ytd only) | 6.7635% | 2,545 |
| Net charge-offs to loans | 0.3934% | 2,122 |
| Credit loss provision to net charge-offs | 38.4615% | 3,467 |
| Earnings coverage of net charge-offs (x) | 4.1758% | 2,645 |
| Efficiency ratio | 63.6711% | 4,987 |
| Assets per employee ($millions) | 4.0397% | 3,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9015% | 6,528 |
| Loan loss allowance to noncurrent loans | 57.9710% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 1.1395% | 4,229 |
| Noncurrent loans to loans | 1.5551% | 3,780 |
| Net loans and leases to total assets | 71.4311% | 1,496 |
| Net loans and leases to deposits | 81.8739% | 1,950 |
| Net loans and leases to core deposits | 88.3618% | 2,007 |
| Total domestic deposits to total assets | 87.2453% | 2,804 |
| Equity capital to assets | 11.7529% | 2,214 |
| Core capital (leverage) ratio | 11.7015% | 1,767 |
| Tier 1 risk-based capital ratio | 16.5999% | 2,866 |
| Total risk-based capital ratio | 17.5435% | 2,981 |
| Memoranda: |
| Average total assets | $127,695,000 | 4,287 |
| Average earning assets | $118,897,500 | 4,226 |
| Average equity | $15,081,000 | 3,976 |
| Average total loans | $92,527,500 | 3,768 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1921% | 2,091 |
| Cost of funding earning assets | 1.8879% | 157 |
| Net interest margin | 3.3042% | 5,794 |
| Noninterest income to average assets | 0.3536% | 4,973 |
| Noninterest expense to average assets | 2.3224% | 5,994 |
| Loan and lease loss provision to assets | 0.0960% | 5,390 |
| Net operating income to assets | 0.7128% | 3,427 |
| Return on assets (ROA) | 0.7128% | 3,609 |
| Pretax return on assets | 1.0184% | 3,171 |
| Return on Equity (ROE) | 6.2141% | 3,766 |
| Retained earnings to average equity (ytd only) | 6.2141% | 1,901 |
| Net charge-offs to loans | 0.1279% | 5,116 |
| Credit loss provision to net charge-offs | 100.8403% | 3,456 |
| Earnings coverage of net charge-offs (x) | 11.7059% | 1,692 |
| Efficiency ratio | 67.5745% | 4,449 |
| Assets per employee ($millions) | 4.0684% | 3,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9752% | 6,321 |
| Loan loss allowance to noncurrent loans | 48.3279% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 1.4954% | 3,710 |
| Noncurrent loans to loans | 2.0179% | 3,180 |
| Net loans and leases to total assets | 72.1376% | 1,626 |
| Net loans and leases to deposits | 82.7565% | 2,098 |
| Net loans and leases to core deposits | 89.0581% | 2,243 |
| Total domestic deposits to total assets | 87.1686% | 2,662 |
| Equity capital to assets | 11.8689% | 2,219 |
| Core capital (leverage) ratio | 11.6822% | 1,772 |
| Tier 1 risk-based capital ratio | 16.9103% | 2,642 |
| Total risk-based capital ratio | 17.9531% | 2,691 |
| Memoranda: |
| Average total assets | $125,002,400 | 4,273 |
| Average earning assets | $116,637,800 | 4,219 |
| Average equity | $14,338,400 | 4,041 |
| Average total loans | $93,021,800 | 3,787 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2165% | 2,145 |
| Cost of funding earning assets | 1.8958% | 184 |
| Net interest margin | 3.3207% | 5,804 |
| Noninterest income to average assets | 0.3848% | 4,772 |
| Noninterest expense to average assets | 2.3582% | 5,887 |
| Loan and lease loss provision to assets | 0.0962% | 5,255 |
| Net operating income to assets | 0.6596% | 3,829 |
| Return on assets (ROA) | 0.6596% | 3,998 |
| Pretax return on assets | 1.0295% | 3,290 |
| Return on Equity (ROE) | 5.8012% | 4,117 |
| Retained earnings to average equity (ytd only) | 5.8012% | 2,674 |
| Net charge-offs to loans | 0.0857% | 5,113 |
| Credit loss provision to net charge-offs | 150.0000% | 2,084 |
| Earnings coverage of net charge-offs (x) | 17.5495% | 1,347 |
| Efficiency ratio | 67.6895% | 4,381 |
| Assets per employee ($millions) | 4.1890% | 3,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9936% | 6,308 |
| Loan loss allowance to noncurrent loans | 66.9804% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 1.4793% | 3,898 |
| Noncurrent loans to loans | 1.4834% | 4,075 |
| Net loans and leases to total assets | 73.3455% | 1,443 |
| Net loans and leases to deposits | 83.9915% | 1,999 |
| Net loans and leases to core deposits | 90.4935% | 2,192 |
| Total domestic deposits to total assets | 87.3248% | 2,458 |
| Equity capital to assets | 11.6861% | 2,511 |
| Core capital (leverage) ratio | 11.4375% | 2,072 |
| Tier 1 risk-based capital ratio | 16.6012% | 2,812 |
| Total risk-based capital ratio | 17.6769% | 2,866 |
| Memoranda: |
| Average total assets | $124,723,000 | 4,302 |
| Average earning assets | $116,397,000 | 4,241 |
| Average equity | $14,180,750 | 4,092 |
| Average total loans | $93,308,250 | 3,811 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2405% | 2,094 |
| Cost of funding earning assets | 1.8954% | 212 |
| Net interest margin | 3.3450% | 5,725 |
| Noninterest income to average assets | 0.3778% | 4,867 |
| Noninterest expense to average assets | 2.3632% | 5,953 |
| Loan and lease loss provision to assets | 0.0965% | 5,119 |
| Net operating income to assets | 0.6672% | 3,705 |
| Return on assets (ROA) | 0.6672% | 3,827 |
| Pretax return on assets | 1.0417% | 3,071 |
| Return on Equity (ROE) | 5.9234% | 4,008 |
| Retained earnings to average equity (ytd only) | 5.9234% | 2,479 |
| Net charge-offs to loans | 0.0343% | 5,375 |
| Credit loss provision to net charge-offs | 375.0000% | 805 |
| Earnings coverage of net charge-offs (x) | 44.2500% | 688 |
| Efficiency ratio | 67.4931% | 4,608 |
| Assets per employee ($millions) | 4.0424% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0030% | 6,318 |
| Loan loss allowance to noncurrent loans | 89.6848% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 1.2114% | 4,469 |
| Noncurrent loans to loans | 1.1184% | 4,800 |
| Net loans and leases to total assets | 73.9550% | 1,426 |
| Net loans and leases to deposits | 84.4213% | 2,044 |
| Net loans and leases to core deposits | 91.6232% | 2,182 |
| Total domestic deposits to total assets | 87.6023% | 2,406 |
| Equity capital to assets | 11.4121% | 2,588 |
| Core capital (leverage) ratio | 11.3110% | 2,042 |
| Tier 1 risk-based capital ratio | 16.4004% | 2,791 |
| Total risk-based capital ratio | 17.4899% | 2,833 |
| Memoranda: |
| Average total assets | $124,407,000 | 4,335 |
| Average earning assets | $116,173,000 | 4,269 |
| Average equity | $14,012,330 | 4,121 |
| Average total loans | $93,378,000 | 3,852 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1841% | 2,282 |
| Cost of funding earning assets | 1.8842% | 269 |
| Net interest margin | 3.2999% | 5,777 |
| Noninterest income to average assets | 0.3195% | 5,367 |
| Noninterest expense to average assets | 2.4235% | 5,819 |
| Loan and lease loss provision to assets | 0.0968% | 4,803 |
| Net operating income to assets | 0.5712% | 4,173 |
| Return on assets (ROA) | 0.5712% | 4,250 |
| Pretax return on assets | 0.8907% | 3,536 |
| Return on Equity (ROE) | 5.1053% | 4,339 |
| Retained earnings to average equity (ytd only) | 5.1053% | 3,116 |
| Net charge-offs to loans | 0.0386% | 4,569 |
| Credit loss provision to net charge-offs | 333.3333% | 968 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 761 |
| Efficiency ratio | 71.0501% | 4,046 |
| Assets per employee ($millions) | 3.9234% | 4,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9795% | 6,466 |
| Loan loss allowance to noncurrent loans | 109.9640% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 1.0785% | 4,767 |
| Noncurrent loans to loans | 0.8907% | 5,266 |
| Net loans and leases to total assets | 73.7595% | 1,385 |
| Net loans and leases to deposits | 84.6342% | 1,936 |
| Net loans and leases to core deposits | 91.8728% | 2,146 |
| Total domestic deposits to total assets | 87.1509% | 2,856 |
| Equity capital to assets | 11.1382% | 2,548 |
| Core capital (leverage) ratio | 11.2428% | 2,008 |
| Tier 1 risk-based capital ratio | 16.2664% | 2,775 |
| Total risk-based capital ratio | 17.3384% | 2,837 |
| Memoranda: |
| Average total assets | $123,953,500 | 4,374 |
| Average earning assets | $116,124,000 | 4,297 |
| Average equity | $13,868,000 | 4,136 |
| Average total loans | $93,259,500 | 3,896 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4912% | 2,322 |
| Cost of funding earning assets | 2.1478% | 362 |
| Net interest margin | 3.3434% | 5,819 |
| Noninterest income to average assets | 0.3616% | 5,216 |
| Noninterest expense to average assets | 2.2312% | 6,537 |
| Loan and lease loss provision to assets | 0.1148% | 6,008 |
| Net operating income to assets | 0.7552% | 2,979 |
| Return on assets (ROA) | 0.7003% | 3,356 |
| Pretax return on assets | 1.0520% | 2,767 |
| Return on Equity (ROE) | 6.3999% | 3,395 |
| Retained earnings to average equity (ytd only) | 6.3999% | 1,620 |
| Net charge-offs to loans | 0.1962% | 5,121 |
| Credit loss provision to net charge-offs | 76.9231% | 5,664 |
| Earnings coverage of net charge-offs (x) | 8.3681% | 1,979 |
| Efficiency ratio | 64.1140% | 5,331 |
| Assets per employee ($millions) | 3.8237% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9624% | 6,523 |
| Loan loss allowance to noncurrent loans | 94.3098% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 1.2014% | 4,623 |
| Noncurrent loans to loans | 1.0205% | 5,027 |
| Net loans and leases to total assets | 75.2740% | 1,419 |
| Net loans and leases to deposits | 86.0100% | 2,097 |
| Net loans and leases to core deposits | 91.6092% | 2,544 |
| Total domestic deposits to total assets | 87.5177% | 2,538 |
| Equity capital to assets | 11.2392% | 2,465 |
| Core capital (leverage) ratio | 11.0494% | 2,124 |
| Tier 1 risk-based capital ratio | 16.2257% | 2,648 |
| Total risk-based capital ratio | 17.2904% | 2,688 |
| Memoranda: |
| Average total assets | $121,953,200 | 4,445 |
| Average earning assets | $113,746,600 | 4,384 |
| Average equity | $13,344,000 | 4,300 |
| Average total loans | $92,745,400 | 3,985 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5582% | 2,220 |
| Cost of funding earning assets | 2.1588% | 435 |
| Net interest margin | 3.3994% | 5,686 |
| Noninterest income to average assets | 0.3403% | 5,442 |
| Noninterest expense to average assets | 2.2628% | 6,429 |
| Loan and lease loss provision to assets | 0.1313% | 5,715 |
| Net operating income to assets | 0.7167% | 3,340 |
| Return on assets (ROA) | 0.7167% | 3,491 |
| Pretax return on assets | 1.1183% | 2,770 |
| Return on Equity (ROE) | 6.5950% | 3,536 |
| Retained earnings to average equity (ytd only) | 6.5950% | 2,046 |
| Net charge-offs to loans | 0.2589% | 4,395 |
| Credit loss provision to net charge-offs | 66.6667% | 5,519 |
| Earnings coverage of net charge-offs (x) | 6.3446% | 2,542 |
| Efficiency ratio | 64.4237% | 5,170 |
| Assets per employee ($millions) | 4.0190% | 3,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9395% | 6,613 |
| Loan loss allowance to noncurrent loans | 112.8906% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 1.1213% | 4,873 |
| Noncurrent loans to loans | 0.8322% | 5,557 |
| Net loans and leases to total assets | 73.3733% | 1,936 |
| Net loans and leases to deposits | 84.6929% | 2,581 |
| Net loans and leases to core deposits | 89.9338% | 3,100 |
| Total domestic deposits to total assets | 86.6345% | 2,725 |
| Equity capital to assets | 10.9488% | 3,007 |
| Core capital (leverage) ratio | 10.8182% | 2,399 |
| Tier 1 risk-based capital ratio | 15.9299% | 2,794 |
| Total risk-based capital ratio | 16.9571% | 2,863 |
| Memoranda: |
| Average total assets | $121,852,250 | 4,510 |
| Average earning assets | $113,703,750 | 4,436 |
| Average equity | $13,242,000 | 4,385 |
| Average total loans | $92,682,250 | 4,062 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5715% | 2,246 |
| Cost of funding earning assets | 2.1616% | 525 |
| Net interest margin | 3.4099% | 5,603 |
| Noninterest income to average assets | 0.3043% | 5,724 |
| Noninterest expense to average assets | 2.3317% | 6,268 |
| Loan and lease loss provision to assets | 0.1488% | 5,412 |
| Net operating income to assets | 0.6433% | 3,653 |
| Return on assets (ROA) | 0.6433% | 3,807 |
| Pretax return on assets | 1.0038% | 3,105 |
| Return on Equity (ROE) | 5.9349% | 3,830 |
| Retained earnings to average equity (ytd only) | 5.9349% | 2,369 |
| Net charge-offs to loans | 0.3405% | 3,641 |
| Credit loss provision to net charge-offs | 56.9620% | 5,285 |
| Earnings coverage of net charge-offs (x) | 4.4114% | 2,958 |
| Efficiency ratio | 66.9198% | 4,782 |
| Assets per employee ($millions) | 3.7118% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9453% | 6,611 |
| Loan loss allowance to noncurrent loans | 106.7081% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 1.1707% | 4,801 |
| Noncurrent loans to loans | 0.8859% | 5,496 |
| Net loans and leases to total assets | 73.4862% | 2,035 |
| Net loans and leases to deposits | 83.3247% | 3,007 |
| Net loans and leases to core deposits | 87.4882% | 3,623 |
| Total domestic deposits to total assets | 88.1926% | 1,888 |
| Equity capital to assets | 10.8106% | 3,065 |
| Core capital (leverage) ratio | 10.4840% | 2,641 |
| Tier 1 risk-based capital ratio | 16.1168% | 2,621 |
| Total risk-based capital ratio | 17.1672% | 2,674 |
| Memoranda: |
| Average total assets | $120,940,000 | 4,547 |
| Average earning assets | $112,787,670 | 4,487 |
| Average equity | $13,109,000 | 4,413 |
| Average total loans | $92,815,670 | 4,086 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7974% | 1,468 |
| Cost of funding earning assets | 2.1870% | 613 |
| Net interest margin | 3.6105% | 4,683 |
| Noninterest income to average assets | 0.3628% | 5,236 |
| Noninterest expense to average assets | 2.3401% | 6,280 |
| Loan and lease loss provision to assets | 0.1498% | 5,051 |
| Net operating income to assets | 0.7956% | 2,982 |
| Return on assets (ROA) | 0.7956% | 3,092 |
| Pretax return on assets | 1.2416% | 2,230 |
| Return on Equity (ROE) | 7.3299% | 3,193 |
| Retained earnings to average equity (ytd only) | 7.3299% | 2,004 |
| Net charge-offs to loans | 0.6355% | 2,234 |
| Credit loss provision to net charge-offs | 30.2013% | 4,809 |
| Earnings coverage of net charge-offs (x) | 2.8054% | 3,145 |
| Efficiency ratio | 62.7119% | 5,705 |
| Assets per employee ($millions) | 3.7518% | 4,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8954% | 6,853 |
| Loan loss allowance to noncurrent loans | 62.9205% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.4560% | 4,321 |
| Noncurrent loans to loans | 1.4231% | 4,598 |
| Net loans and leases to total assets | 75.8731% | 1,573 |
| Net loans and leases to deposits | 86.0616% | 2,577 |
| Net loans and leases to core deposits | 91.3394% | 3,195 |
| Total domestic deposits to total assets | 88.1615% | 1,968 |
| Equity capital to assets | 10.9456% | 2,815 |
| Core capital (leverage) ratio | 10.9175% | 2,281 |
| Tier 1 risk-based capital ratio | 15.7913% | 2,731 |
| Total risk-based capital ratio | 16.7889% | 2,796 |
| Memoranda: |
| Average total assets | $120,164,500 | 4,624 |
| Average earning assets | $112,118,500 | 4,562 |
| Average equity | $13,042,500 | 4,464 |
| Average total loans | $93,787,000 | 4,127 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9653% | 2,007 |
| Cost of funding earning assets | 2.5896% | 809 |
| Net interest margin | 3.3757% | 5,464 |
| Noninterest income to average assets | 0.3236% | 5,767 |
| Noninterest expense to average assets | 2.3818% | 6,519 |
| Loan and lease loss provision to assets | 0.1870% | 5,849 |
| Net operating income to assets | 0.6187% | 3,262 |
| Return on assets (ROA) | 0.6187% | 3,331 |
| Pretax return on assets | 0.9482% | 2,766 |
| Return on Equity (ROE) | 5.8925% | 3,257 |
| Retained earnings to average equity (ytd only) | 5.8925% | 1,393 |
| Net charge-offs to loans | 0.0840% | 6,273 |
| Credit loss provision to net charge-offs | 275.3086% | 1,246 |
| Earnings coverage of net charge-offs (x) | 16.7160% | 1,236 |
| Efficiency ratio | 67.7235% | 5,055 |
| Assets per employee ($millions) | 3.6446% | 4,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9691% | 6,536 |
| Loan loss allowance to noncurrent loans | 39.0809% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 1.9722% | 3,434 |
| Noncurrent loans to loans | 2.4796% | 3,066 |
| Net loans and leases to total assets | 78.7656% | 1,235 |
| Net loans and leases to deposits | 89.4281% | 2,315 |
| Net loans and leases to core deposits | 114.3262% | 2,472 |
| Total domestic deposits to total assets | 88.0770% | 1,938 |
| Equity capital to assets | 10.7623% | 2,905 |
| Core capital (leverage) ratio | 10.7140% | 2,416 |
| Tier 1 risk-based capital ratio | 15.1743% | 2,854 |
| Total risk-based capital ratio | 16.2739% | 2,879 |
| Memoranda: |
| Average total assets | $119,278,600 | 4,596 |
| Average earning assets | $112,836,800 | 4,484 |
| Average equity | $12,524,400 | 4,624 |
| Average total loans | $96,415,600 | 4,053 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0066% | 2,007 |
| Cost of funding earning assets | 2.6488% | 914 |
| Net interest margin | 3.3578% | 5,417 |
| Noninterest income to average assets | 0.3148% | 5,964 |
| Noninterest expense to average assets | 2.3814% | 6,471 |
| Loan and lease loss provision to assets | 0.1557% | 5,792 |
| Net operating income to assets | 0.6116% | 3,571 |
| Return on assets (ROA) | 0.6116% | 3,616 |
| Pretax return on assets | 0.9555% | 3,040 |
| Return on Equity (ROE) | 5.8616% | 3,581 |
| Retained earnings to average equity (ytd only) | 5.8616% | 2,015 |
| Net charge-offs to loans | 0.0414% | 6,318 |
| Credit loss provision to net charge-offs | 463.3333% | 844 |
| Earnings coverage of net charge-offs (x) | 33.0658% | 868 |
| Efficiency ratio | 68.1847% | 4,929 |
| Assets per employee ($millions) | 3.5282% | 4,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9216% | 6,666 |
| Loan loss allowance to noncurrent loans | 35.4200% | 6,050 |
| Noncurrent assets plus other real estate owned to assets | 2.1282% | 3,189 |
| Noncurrent loans to loans | 2.6018% | 2,899 |
| Net loans and leases to total assets | 80.1217% | 1,143 |
| Net loans and leases to deposits | 92.1162% | 2,212 |
| Net loans and leases to core deposits | 116.5499% | 2,567 |
| Total domestic deposits to total assets | 86.9790% | 2,193 |
| Equity capital to assets | 10.6252% | 3,374 |
| Core capital (leverage) ratio | 10.5167% | 2,780 |
| Tier 1 risk-based capital ratio | 15.0621% | 3,009 |
| Total risk-based capital ratio | 16.1305% | 3,040 |
| Memoranda: |
| Average total assets | $119,030,250 | 4,626 |
| Average earning assets | $112,650,500 | 4,525 |
| Average equity | $12,419,500 | 4,678 |
| Average total loans | $96,604,500 | 4,069 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0698% | 1,900 |
| Cost of funding earning assets | 2.6699% | 1,110 |
| Net interest margin | 3.3999% | 5,172 |
| Noninterest income to average assets | 0.3403% | 5,785 |
| Noninterest expense to average assets | 2.3955% | 6,473 |
| Loan and lease loss provision to assets | 0.1213% | 5,905 |
| Net operating income to assets | 0.6604% | 3,428 |
| Return on assets (ROA) | 0.6604% | 3,537 |
| Pretax return on assets | 1.0327% | 2,873 |
| Return on Equity (ROE) | 6.3685% | 3,490 |
| Retained earnings to average equity (ytd only) | 6.3685% | 1,853 |
| Net charge-offs to loans | -0.0083% | 7,584 |
| Credit loss provision to net charge-offs | -1,800.0000% | 7,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4893% | 5,255 |
| Assets per employee ($millions) | 3.4238% | 5,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8956% | 6,794 |
| Loan loss allowance to noncurrent loans | 39.9536% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 1.7983% | 3,480 |
| Noncurrent loans to loans | 2.2415% | 3,200 |
| Net loans and leases to total assets | 79.5100% | 1,398 |
| Net loans and leases to deposits | 90.7066% | 2,716 |
| Net loans and leases to core deposits | 112.7614% | 3,047 |
| Total domestic deposits to total assets | 87.6563% | 1,949 |
| Equity capital to assets | 10.4620% | 3,453 |
| Core capital (leverage) ratio | 10.6257% | 2,715 |
| Tier 1 risk-based capital ratio | 15.0484% | 3,000 |
| Total risk-based capital ratio | 16.0869% | 3,022 |
| Memoranda: |
| Average total assets | $118,720,330 | 4,669 |
| Average earning assets | $112,063,670 | 4,570 |
| Average equity | $12,310,670 | 4,733 |
| Average total loans | $96,470,000 | 4,103 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1417% | 1,790 |
| Cost of funding earning assets | 2.6660% | 1,357 |
| Net interest margin | 3.4758% | 4,823 |
| Noninterest income to average assets | 0.2844% | 6,160 |
| Noninterest expense to average assets | 2.3391% | 6,404 |
| Loan and lease loss provision to assets | 0.1219% | 5,405 |
| Net operating income to assets | 0.7075% | 3,515 |
| Return on assets (ROA) | 0.7075% | 3,712 |
| Pretax return on assets | 1.1069% | 2,962 |
| Return on Equity (ROE) | 6.8539% | 3,646 |
| Retained earnings to average equity (ytd only) | 6.8539% | 2,261 |
| Net charge-offs to loans | 0.0497% | 4,783 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 30.2500% | 1,047 |
| Efficiency ratio | 65.5598% | 5,411 |
| Assets per employee ($millions) | 3.4320% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8405% | 7,005 |
| Loan loss allowance to noncurrent loans | 45.4239% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 1.7303% | 3,320 |
| Noncurrent loans to loans | 1.8504% | 3,488 |
| Net loans and leases to total assets | 81.7940% | 1,047 |
| Net loans and leases to deposits | 94.1550% | 2,250 |
| Net loans and leases to core deposits | 115.1511% | 2,891 |
| Total domestic deposits to total assets | 86.8717% | 2,283 |
| Equity capital to assets | 10.5744% | 3,389 |
| Core capital (leverage) ratio | 10.3563% | 3,060 |
| Tier 1 risk-based capital ratio | 14.9804% | 3,077 |
| Total risk-based capital ratio | 15.9661% | 3,128 |
| Memoranda: |
| Average total assets | $118,163,500 | 4,701 |
| Average earning assets | $111,629,500 | 4,592 |
| Average equity | $12,197,500 | 4,787 |
| Average total loans | $96,634,500 | 4,126 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2782% | 4,081 |
| Cost of funding earning assets | 3.1566% | 1,331 |
| Net interest margin | 3.1215% | 6,589 |
| Noninterest income to average assets | 0.2691% | 6,529 |
| Noninterest expense to average assets | 2.2797% | 6,758 |
| Loan and lease loss provision to assets | 0.0805% | 6,388 |
| Net operating income to assets | 0.5508% | 4,527 |
| Return on assets (ROA) | 0.2655% | 5,484 |
| Pretax return on assets | 0.4104% | 5,231 |
| Return on Equity (ROE) | 2.4899% | 5,422 |
| Retained earnings to average equity (ytd only) | 2.4899% | 3,645 |
| Net charge-offs to loans | 0.0397% | 6,232 |
| Credit loss provision to net charge-offs | 243.2432% | 1,916 |
| Earnings coverage of net charge-offs (x) | 28.1081% | 1,225 |
| Efficiency ratio | 71.0306% | 4,128 |
| Assets per employee ($millions) | 3.6255% | 4,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8091% | 7,066 |
| Loan loss allowance to noncurrent loans | 36.6994% | 6,277 |
| Noncurrent assets plus other real estate owned to assets | 1.7879% | 2,745 |
| Noncurrent loans to loans | 2.2048% | 2,504 |
| Net loans and leases to total assets | 80.4346% | 1,565 |
| Net loans and leases to deposits | 97.8773% | 2,141 |
| Net loans and leases to core deposits | 117.1062% | 2,995 |
| Total domestic deposits to total assets | 82.1790% | 4,130 |
| Equity capital to assets | 10.0769% | 3,945 |
| Core capital (leverage) ratio | 10.3119% | 3,166 |
| Tier 1 risk-based capital ratio | 14.9496% | 3,071 |
| Total risk-based capital ratio | 15.9198% | 3,139 |
| Memoranda: |
| Average total assets | $111,855,400 | 4,726 |
| Average earning assets | $105,365,000 | 4,634 |
| Average equity | $11,928,000 | 4,846 |
| Average total loans | $93,207,600 | 4,128 |
