| 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 | 6.4138% | 382 |
| Cost of funding earning assets | 1.5313% | 1,859 |
| Net interest margin | 4.8824% | 369 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 4.1847% | 328 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.6609% | 3,291 |
| Return on assets (ROA) | 0.6106% | 3,402 |
| Pretax return on assets | 0.8661% | 3,049 |
| Return on Equity (ROE) | 4.6900% | 3,777 |
| Retained earnings to average equity (ytd only) | 4.6887% | 2,717 |
| Net charge-offs to loans | 0.5030% | 202 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 2.5043% | 2,689 |
| Efficiency ratio | 80.2214% | 901 |
| Assets per employee ($millions) | 11.8610% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.8958% | 45 |
| Loan loss allowance to noncurrent loans | 109.4518% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 3.6183% | 47 |
| Noncurrent loans to loans | 4.4730% | 65 |
| Net loans and leases to total assets | 76.9300% | 983 |
| Net loans and leases to deposits | 94.8175% | 880 |
| Net loans and leases to core deposits | 134.9420% | 335 |
| Total domestic deposits to total assets | 81.1400% | 3,284 |
| Equity capital to assets | 13.4708% | 772 |
| Core capital (leverage) ratio | 12.6621% | 1,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8190% | 1,112 |
| Memoranda: |
| Average total assets | $942,814,200 | 1,035 |
| Average earning assets | $880,009,800 | 1,021 |
| Average equity | $122,785,200 | 805 |
| Average total loans | $762,415,000 | 897 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3263% | 306 |
| Cost of funding earning assets | 1.3557% | 1,568 |
| Net interest margin | 4.9705% | 320 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 3.7808% | 411 |
| Loan and lease loss provision to assets | -0.0400% | 4,482 |
| Net operating income to assets | 1.0813% | 2,168 |
| Return on assets (ROA) | 1.0813% | 2,167 |
| Pretax return on assets | 1.5337% | 1,532 |
| Return on Equity (ROE) | 8.4300% | 3,134 |
| Retained earnings to average equity (ytd only) | 8.4290% | 1,840 |
| Net charge-offs to loans | 0.4577% | 185 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 3.9915% | 2,239 |
| Efficiency ratio | 71.4858% | 1,617 |
| Assets per employee ($millions) | 12.7725% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.0503% | 47 |
| Loan loss allowance to noncurrent loans | 107.7803% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 3.7994% | 43 |
| Noncurrent loans to loans | 4.6858% | 59 |
| Net loans and leases to total assets | 76.9900% | 944 |
| Net loans and leases to deposits | 100.1922% | 507 |
| Net loans and leases to core deposits | 131.8150% | 304 |
| Total domestic deposits to total assets | 76.8400% | 3,966 |
| Equity capital to assets | 13.0315% | 802 |
| Core capital (leverage) ratio | 12.4299% | 1,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5778% | 1,199 |
| Memoranda: |
| Average total assets | $946,616,000 | 1,024 |
| Average earning assets | $883,207,000 | 1,015 |
| Average equity | $121,438,000 | 801 |
| Average total loans | $772,918,333 | 866 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4521% | 192 |
| Cost of funding earning assets | 1.2005% | 1,448 |
| Net interest margin | 5.2516% | 212 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 3.1917% | 809 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6535% | 899 |
| Return on assets (ROA) | 1.6535% | 900 |
| Pretax return on assets | 2.3472% | 443 |
| Return on Equity (ROE) | 12.9900% | 1,990 |
| Retained earnings to average equity (ytd only) | 12.9914% | 1,098 |
| Net charge-offs to loans | 0.9307% | 84 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 3.0781% | 1,901 |
| Efficiency ratio | 57.3868% | 3,258 |
| Assets per employee ($millions) | 13.7328% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.0944% | 42 |
| Loan loss allowance to noncurrent loans | 107.4141% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 3.7991% | 26 |
| Noncurrent loans to loans | 4.7428% | 63 |
| Net loans and leases to total assets | 76.0200% | 969 |
| Net loans and leases to deposits | 96.0960% | 646 |
| Net loans and leases to core deposits | 119.8890% | 439 |
| Total domestic deposits to total assets | 79.1100% | 3,886 |
| Equity capital to assets | 12.9101% | 775 |
| Core capital (leverage) ratio | 12.1765% | 1,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3918% | 1,523 |
| Memoranda: |
| Average total assets | $947,342,000 | 1,041 |
| Average earning assets | $883,622,500 | 1,033 |
| Average equity | $120,572,500 | 816 |
| Average total loans | $776,184,000 | 880 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5582% | 648 |
| Cost of funding earning assets | 0.3557% | 2,433 |
| Net interest margin | 4.2025% | 536 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 4.1897% | 293 |
| Loan and lease loss provision to assets | 0.5700% | 99 |
| Net operating income to assets | -0.1713% | 4,604 |
| Return on assets (ROA) | -0.1713% | 4,592 |
| Pretax return on assets | -0.2432% | 4,597 |
| Return on Equity (ROE) | -1.4100% | 4,579 |
| Retained earnings to average equity (ytd only) | -1.4140% | 4,461 |
| Net charge-offs to loans | 0.2088% | 398 |
| Credit loss provision to net charge-offs | 333.7010% | 859 |
| Earnings coverage of net charge-offs (x) | 1.9189% | 2,524 |
| Efficiency ratio | 92.4298% | 254 |
| Assets per employee ($millions) | 14.6758% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.4217% | 51 |
| Loan loss allowance to noncurrent loans | 63.4486% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 5.8310% | 15 |
| Noncurrent loans to loans | 6.9689% | 31 |
| Net loans and leases to total assets | 79.9700% | 593 |
| Net loans and leases to deposits | 107.6087% | 203 |
| Net loans and leases to core deposits | 121.0431% | 356 |
| Total domestic deposits to total assets | 74.3200% | 4,343 |
| Equity capital to assets | 13.1685% | 675 |
| Core capital (leverage) ratio | 12.2028% | 1,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8411% | 1,676 |
| Memoranda: |
| Average total assets | $1,057,039,600 | 933 |
| Average earning assets | $996,085,800 | 910 |
| Average equity | $128,080,600 | 768 |
| Average total loans | $868,354,200 | 771 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2134% | 866 |
| Cost of funding earning assets | 0.2133% | 3,111 |
| Net interest margin | 4.0001% | 638 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 3.5900% | 452 |
| Loan and lease loss provision to assets | 0.6000% | 83 |
| Net operating income to assets | 0.0458% | 4,572 |
| Return on assets (ROA) | 0.0458% | 4,542 |
| Pretax return on assets | 0.0651% | 4,532 |
| Return on Equity (ROE) | 0.3900% | 4,535 |
| Retained earnings to average equity (ytd only) | 0.3854% | 4,285 |
| Net charge-offs to loans | 0.0134% | 1,622 |
| Credit loss provision to net charge-offs | 5,449.4382% | 103 |
| Earnings coverage of net charge-offs (x) | 60.4382% | 1,169 |
| Efficiency ratio | 84.1176% | 540 |
| Assets per employee ($millions) | 15.7888% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.3187% | 59 |
| Loan loss allowance to noncurrent loans | 94.1783% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 3.7056% | 30 |
| Noncurrent loans to loans | 4.5857% | 72 |
| Net loans and leases to total assets | 77.3200% | 772 |
| Net loans and leases to deposits | 96.7288% | 516 |
| Net loans and leases to core deposits | 111.9578% | 410 |
| Total domestic deposits to total assets | 79.9300% | 4,105 |
| Equity capital to assets | 12.4659% | 778 |
| Core capital (leverage) ratio | 11.9987% | 1,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7274% | 1,799 |
| Memoranda: |
| Average total assets | $1,082,818,250 | 919 |
| Average earning assets | $1,022,025,500 | 896 |
| Average equity | $128,696,250 | 773 |
| Average total loans | $885,903,000 | 758 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9908% | 951 |
| Cost of funding earning assets | 0.1681% | 3,341 |
| Net interest margin | 3.8227% | 714 |
| Noninterest income to average assets | 0.4457% | 2,478 |
| Noninterest expense to average assets | 3.5427% | 422 |
| Loan and lease loss provision to assets | -0.0997% | 4,592 |
| Net operating income to assets | 0.4350% | 4,040 |
| Return on assets (ROA) | 0.4350% | 3,997 |
| Pretax return on assets | 0.6175% | 3,778 |
| Return on Equity (ROE) | 3.6846% | 4,100 |
| Retained earnings to average equity (ytd only) | 3.6846% | 3,210 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9084% | 545 |
| Assets per employee ($millions) | 14.9291% | 202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5998% | 90 |
| Loan loss allowance to noncurrent loans | 76.1730% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 3.8876% | 29 |
| Noncurrent loans to loans | 4.7259% | 72 |
| Net loans and leases to total assets | 79.3016% | 453 |
| Net loans and leases to deposits | 92.7648% | 569 |
| Net loans and leases to core deposits | 108.0585% | 396 |
| Total domestic deposits to total assets | 85.4867% | 3,373 |
| Equity capital to assets | 12.6632% | 728 |
| Core capital (leverage) ratio | 11.6240% | 1,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6825% | 1,807 |
| Memoranda: |
| Average total assets | $1,103,102,667 | 904 |
| Average earning assets | $1,043,143,667 | 892 |
| Average equity | $130,218,333 | 773 |
| Average total loans | $904,765,667 | 734 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8431% | 1,010 |
| Cost of funding earning assets | 0.1460% | 3,551 |
| Net interest margin | 3.6971% | 755 |
| Noninterest income to average assets | 0.4708% | 2,295 |
| Noninterest expense to average assets | 3.6846% | 352 |
| Loan and lease loss provision to assets | -0.4217% | 4,745 |
| Net operating income to assets | 0.5028% | 3,709 |
| Return on assets (ROA) | 0.5028% | 3,674 |
| Pretax return on assets | 0.7137% | 3,353 |
| Return on Equity (ROE) | 4.3995% | 3,779 |
| Retained earnings to average equity (ytd only) | 4.3995% | 2,802 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2859% | 449 |
| Assets per employee ($millions) | 14.3989% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3487% | 116 |
| Loan loss allowance to noncurrent loans | 78.8626% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 3.4145% | 51 |
| Noncurrent loans to loans | 4.2462% | 86 |
| Net loans and leases to total assets | 77.7204% | 396 |
| Net loans and leases to deposits | 89.2123% | 551 |
| Net loans and leases to core deposits | 101.5674% | 451 |
| Total domestic deposits to total assets | 87.1185% | 2,884 |
| Equity capital to assets | 11.7623% | 1,035 |
| Core capital (leverage) ratio | 10.8452% | 1,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7620% | 2,320 |
| Memoranda: |
| Average total assets | $1,138,367,500 | 892 |
| Average earning assets | $1,079,448,500 | 874 |
| Average equity | $130,105,000 | 790 |
| Average total loans | $933,449,000 | 700 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2687% | 894 |
| Cost of funding earning assets | 0.1983% | 3,483 |
| Net interest margin | 4.0704% | 626 |
| Noninterest income to average assets | 0.4951% | 2,591 |
| Noninterest expense to average assets | 3.1545% | 781 |
| Loan and lease loss provision to assets | 1.4981% | 14 |
| Net operating income to assets | -0.1689% | 4,717 |
| Return on assets (ROA) | -0.1689% | 4,723 |
| Pretax return on assets | -0.2400% | 4,735 |
| Return on Equity (ROE) | -1.5828% | 4,725 |
| Retained earnings to average equity (ytd only) | -1.5828% | 4,606 |
| Net charge-offs to loans | 0.0094% | 2,224 |
| Credit loss provision to net charge-offs | 19,557.6087% | 36 |
| Earnings coverage of net charge-offs (x) | 164.2391% | 617 |
| Efficiency ratio | 71.1404% | 1,600 |
| Assets per employee ($millions) | 13.2730% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1840% | 127 |
| Loan loss allowance to noncurrent loans | 259.9397% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 1.0228% | 533 |
| Noncurrent loans to loans | 1.2249% | 787 |
| Net loans and leases to total assets | 80.8454% | 230 |
| Net loans and leases to deposits | 101.0588% | 180 |
| Net loans and leases to core deposits | 104.3637% | 402 |
| Total domestic deposits to total assets | 79.9984% | 4,223 |
| Equity capital to assets | 11.1128% | 1,727 |
| Core capital (leverage) ratio | 10.2136% | 2,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0260% | 2,623 |
| Memoranda: |
| Average total assets | $1,201,063,800 | 825 |
| Average earning assets | $1,155,961,600 | 803 |
| Average equity | $128,191,800 | 811 |
| Average total loans | $983,620,600 | 668 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2398% | 1,047 |
| Cost of funding earning assets | 0.2110% | 3,505 |
| Net interest margin | 4.0287% | 748 |
| Noninterest income to average assets | 0.4884% | 2,677 |
| Noninterest expense to average assets | 3.2366% | 673 |
| Loan and lease loss provision to assets | 1.2177% | 24 |
| Net operating income to assets | -0.0523% | 4,761 |
| Return on assets (ROA) | -0.0523% | 4,769 |
| Pretax return on assets | -0.0743% | 4,773 |
| Return on Equity (ROE) | -0.4930% | 4,770 |
| Retained earnings to average equity (ytd only) | -0.4930% | 4,611 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5346% | 1,256 |
| Assets per employee ($millions) | 14.7148% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3760% | 345 |
| Loan loss allowance to noncurrent loans | 335.2029% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.5912% | 1,296 |
| Noncurrent loans to loans | 0.7088% | 1,571 |
| Net loans and leases to total assets | 81.4305% | 225 |
| Net loans and leases to deposits | 94.7851% | 385 |
| Net loans and leases to core deposits | 97.5351% | 671 |
| Total domestic deposits to total assets | 85.9106% | 2,782 |
| Equity capital to assets | 10.7733% | 2,193 |
| Core capital (leverage) ratio | 10.0339% | 2,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5774% | 2,833 |
| Memoranda: |
| Average total assets | $1,210,002,750 | 828 |
| Average earning assets | $1,168,838,500 | 801 |
| Average equity | $128,467,750 | 819 |
| Average total loans | $985,689,500 | 679 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2135% | 1,166 |
| Cost of funding earning assets | 0.2315% | 3,454 |
| Net interest margin | 3.9820% | 851 |
| Noninterest income to average assets | 0.4397% | 2,903 |
| Noninterest expense to average assets | 3.2920% | 622 |
| Loan and lease loss provision to assets | 0.6461% | 68 |
| Net operating income to assets | 0.2530% | 4,578 |
| Return on assets (ROA) | 0.2530% | 4,597 |
| Pretax return on assets | 0.3592% | 4,538 |
| Return on Equity (ROE) | 2.3819% | 4,556 |
| Retained earnings to average equity (ytd only) | 2.3819% | 4,022 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2143% | 1,064 |
| Assets per employee ($millions) | 15.6412% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6862% | 1,095 |
| Loan loss allowance to noncurrent loans | 234.4192% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.5604% | 1,488 |
| Noncurrent loans to loans | 0.7193% | 1,641 |
| Net loans and leases to total assets | 76.5919% | 538 |
| Net loans and leases to deposits | 88.2213% | 763 |
| Net loans and leases to core deposits | 89.2033% | 1,193 |
| Total domestic deposits to total assets | 86.8179% | 2,415 |
| Equity capital to assets | 10.1292% | 2,743 |
| Core capital (leverage) ratio | 10.1568% | 2,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5071% | 2,545 |
| Memoranda: |
| Average total assets | $1,207,283,333 | 827 |
| Average earning assets | $1,169,575,000 | 794 |
| Average equity | $128,216,000 | 817 |
| Average total loans | $974,672,667 | 693 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2685% | 1,094 |
| Cost of funding earning assets | 0.2564% | 3,416 |
| Net interest margin | 4.0121% | 829 |
| Noninterest income to average assets | 0.4710% | 2,747 |
| Noninterest expense to average assets | 3.7173% | 361 |
| Loan and lease loss provision to assets | 1.3255% | 25 |
| Net operating income to assets | -0.4844% | 4,891 |
| Return on assets (ROA) | -0.4844% | 4,892 |
| Pretax return on assets | -0.6824% | 4,906 |
| Return on Equity (ROE) | -4.4464% | 4,900 |
| Retained earnings to average equity (ytd only) | -4.4464% | 4,675 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8085% | 558 |
| Assets per employee ($millions) | 14.9069% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6722% | 1,114 |
| Loan loss allowance to noncurrent loans | 230.6253% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.5959% | 1,603 |
| Noncurrent loans to loans | 0.7251% | 1,789 |
| Net loans and leases to total assets | 80.8127% | 293 |
| Net loans and leases to deposits | 92.7271% | 558 |
| Net loans and leases to core deposits | 92.7571% | 1,059 |
| Total domestic deposits to total assets | 87.1511% | 2,252 |
| Equity capital to assets | 10.3780% | 2,370 |
| Core capital (leverage) ratio | 9.7166% | 2,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1187% | 2,620 |
| Memoranda: |
| Average total assets | $1,161,815,000 | 844 |
| Average earning assets | $1,126,292,500 | 813 |
| Average equity | $126,574,500 | 820 |
| Average total loans | $956,316,500 | 700 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0043% | 2,711 |
| Cost of funding earning assets | 0.3102% | 4,087 |
| Net interest margin | 3.6941% | 1,819 |
| Noninterest income to average assets | 0.2927% | 3,727 |
| Noninterest expense to average assets | 2.8553% | 1,806 |
| Loan and lease loss provision to assets | 0.5018% | 488 |
| Net operating income to assets | 0.3558% | 4,334 |
| Return on assets (ROA) | 0.5566% | 3,983 |
| Pretax return on assets | 0.7838% | 3,665 |
| Return on Equity (ROE) | 6.1627% | 3,529 |
| Retained earnings to average equity (ytd only) | 6.1627% | 1,727 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8849% | 1,587 |
| Assets per employee ($millions) | 13.4417% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2514% | 2,677 |
| Loan loss allowance to noncurrent loans | 982.7496% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 3,773 |
| Noncurrent loans to loans | 0.1273% | 3,774 |
| Net loans and leases to total assets | 81.3435% | 336 |
| Net loans and leases to deposits | 98.8620% | 422 |
| Net loans and leases to core deposits | 98.9004% | 959 |
| Total domestic deposits to total assets | 82.2799% | 3,597 |
| Equity capital to assets | 11.6151% | 1,798 |
| Core capital (leverage) ratio | 9.8341% | 2,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0395% | 2,221 |
| Memoranda: |
| Average total assets | $1,088,994,800 | 812 |
| Average earning assets | $1,059,502,200 | 778 |
| Average equity | $98,349,200 | 970 |
| Average total loans | $812,170,200 | 774 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9689% | 3,065 |
| Cost of funding earning assets | 0.3101% | 4,268 |
| Net interest margin | 3.6589% | 2,069 |
| Noninterest income to average assets | 0.1292% | 4,645 |
| Noninterest expense to average assets | 2.8037% | 1,955 |
| Loan and lease loss provision to assets | 0.4498% | 720 |
| Net operating income to assets | 0.2850% | 4,466 |
| Return on assets (ROA) | 0.5528% | 3,991 |
| Pretax return on assets | 0.7785% | 3,706 |
| Return on Equity (ROE) | 6.5920% | 3,346 |
| Retained earnings to average equity (ytd only) | 6.5920% | 1,849 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2901% | 1,269 |
| Assets per employee ($millions) | 19.5239% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0738% | 3,344 |
| Loan loss allowance to noncurrent loans | 774.3842% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 3,984 |
| Noncurrent loans to loans | 0.1387% | 3,828 |
| Net loans and leases to total assets | 63.5795% | 2,814 |
| Net loans and leases to deposits | 71.9381% | 3,136 |
| Net loans and leases to core deposits | 71.9588% | 3,478 |
| Total domestic deposits to total assets | 88.3809% | 1,020 |
| Equity capital to assets | 7.7105% | 4,802 |
| Core capital (leverage) ratio | 8.4403% | 4,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4388% | 3,042 |
| Memoranda: |
| Average total assets | $1,089,050,000 | 802 |
| Average earning assets | $1,060,813,750 | 760 |
| Average equity | $91,321,000 | 1,033 |
| Average total loans | $790,995,250 | 789 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2476% | 2,612 |
| Cost of funding earning assets | 0.3276% | 4,371 |
| Net interest margin | 3.9199% | 1,526 |
| Noninterest income to average assets | 0.0915% | 4,806 |
| Noninterest expense to average assets | 2.9045% | 1,817 |
| Loan and lease loss provision to assets | 0.3157% | 1,356 |
| Net operating income to assets | 0.4843% | 4,058 |
| Return on assets (ROA) | 0.4843% | 4,128 |
| Pretax return on assets | 0.6820% | 3,907 |
| Return on Equity (ROE) | 5.5705% | 3,642 |
| Retained earnings to average equity (ytd only) | 5.5705% | 2,248 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7489% | 1,490 |
| Assets per employee ($millions) | 17.1327% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9140% | 3,940 |
| Loan loss allowance to noncurrent loans | 628.1063% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 4,026 |
| Noncurrent loans to loans | 0.1455% | 3,874 |
| Net loans and leases to total assets | 69.2284% | 2,152 |
| Net loans and leases to deposits | 79.8744% | 2,442 |
| Net loans and leases to core deposits | 79.8744% | 2,959 |
| Total domestic deposits to total assets | 86.6715% | 1,745 |
| Equity capital to assets | 7.8297% | 4,799 |
| Core capital (leverage) ratio | 7.5351% | 4,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.0313% | 3,203 |
| Memoranda: |
| Average total assets | $996,508,333 | 857 |
| Average earning assets | $968,740,667 | 810 |
| Average equity | $86,635,333 | 1,072 |
| Average total loans | $761,874,667 | 799 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3727% | 2,709 |
| Cost of funding earning assets | 0.3409% | 4,547 |
| Net interest margin | 4.0318% | 1,308 |
| Noninterest income to average assets | 0.0691% | 4,922 |
| Noninterest expense to average assets | 3.0050% | 1,879 |
| Loan and lease loss provision to assets | 0.2719% | 1,151 |
| Net operating income to assets | 0.4799% | 3,946 |
| Return on assets (ROA) | 0.4799% | 4,000 |
| Pretax return on assets | 0.6758% | 3,756 |
| Return on Equity (ROE) | 5.2064% | 3,567 |
| Retained earnings to average equity (ytd only) | 5.2064% | 2,190 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2335% | 1,656 |
| Assets per employee ($millions) | 15.3230% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8409% | 4,304 |
| Loan loss allowance to noncurrent loans | 1,254.0275% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 4,349 |
| Noncurrent loans to loans | 0.0671% | 4,268 |
| Net loans and leases to total assets | 73.3168% | 1,723 |
| Net loans and leases to deposits | 80.3239% | 2,645 |
| Net loans and leases to core deposits | 80.3239% | 3,168 |
| Total domestic deposits to total assets | 91.2765% | 81 |
| Equity capital to assets | 8.3230% | 4,889 |
| Core capital (leverage) ratio | 8.9622% | 4,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9261% | 3,338 |
| Memoranda: |
| Average total assets | $920,998,500 | 889 |
| Average earning assets | $887,137,500 | 857 |
| Average equity | $84,895,500 | 1,086 |
| Average total loans | $741,814,000 | 801 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7596% | 2,167 |
| Cost of funding earning assets | 0.1891% | 4,983 |
| Net interest margin | 4.5705% | 611 |
| Noninterest income to average assets | 0.0548% | 5,028 |
| Noninterest expense to average assets | 3.6780% | 780 |
| Loan and lease loss provision to assets | 0.2490% | 739 |
| Net operating income to assets | 0.3347% | 4,703 |
| Return on assets (ROA) | 0.3347% | 4,731 |
| Pretax return on assets | 0.4693% | 4,622 |
| Return on Equity (ROE) | 3.2267% | 4,624 |
| Retained earnings to average equity (ytd only) | 3.2267% | 3,406 |
| Net charge-offs to loans | -0.0016% | 4,206 |
| Credit loss provision to net charge-offs | -19,722.2222% | 4,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6378% | 759 |
| Assets per employee ($millions) | 12.9421% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7947% | 4,317 |
| Loan loss allowance to noncurrent loans | 1,105.1823% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 4,304 |
| Noncurrent loans to loans | 0.0719% | 4,244 |
| Net loans and leases to total assets | 88.1562% | 82 |
| Net loans and leases to deposits | 107.3894% | 246 |
| Net loans and leases to core deposits | 107.3894% | 1,017 |
| Total domestic deposits to total assets | 82.0902% | 3,488 |
| Equity capital to assets | 10.3443% | 3,591 |
| Core capital (leverage) ratio | 9.3489% | 4,227 |
| Tier 1 risk-based capital ratio | 10.5399% | 5,008 |
| Total risk-based capital ratio | 11.3964% | 5,053 |
| Memoranda: |
| Average total assets | $712,966,600 | 1,049 |
| Average earning assets | $677,241,800 | 1,030 |
| Average equity | $73,945,400 | 1,164 |
| Average total loans | $576,132,800 | 944 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6164% | 2,670 |
| Cost of funding earning assets | 0.1603% | 5,103 |
| Net interest margin | 4.4561% | 846 |
| Noninterest income to average assets | 0.0266% | 5,163 |
| Noninterest expense to average assets | 3.7743% | 683 |
| Loan and lease loss provision to assets | 0.3876% | 337 |
| Net operating income to assets | 0.0640% | 5,042 |
| Return on assets (ROA) | 0.0640% | 5,058 |
| Pretax return on assets | 0.0968% | 5,038 |
| Return on Equity (ROE) | 0.6167% | 5,042 |
| Retained earnings to average equity (ytd only) | 0.6167% | 4,641 |
| Net charge-offs to loans | -0.0015% | 4,031 |
| Credit loss provision to net charge-offs | -33,300.0000% | 4,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4926% | 427 |
| Assets per employee ($millions) | 15.1730% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9046% | 4,022 |
| Loan loss allowance to noncurrent loans | 2,693.2432% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 4,620 |
| Noncurrent loans to loans | 0.0336% | 4,513 |
| Net loans and leases to total assets | 71.9444% | 2,184 |
| Net loans and leases to deposits | 79.1661% | 2,993 |
| Net loans and leases to core deposits | 79.1661% | 3,454 |
| Total domestic deposits to total assets | 90.8778% | 116 |
| Equity capital to assets | 8.7092% | 4,920 |
| Core capital (leverage) ratio | 9.4499% | 4,218 |
| Tier 1 risk-based capital ratio | 10.9678% | 4,922 |
| Total risk-based capital ratio | 11.9567% | 4,933 |
| Memoranda: |
| Average total assets | $687,369,750 | 1,086 |
| Average earning assets | $652,818,250 | 1,058 |
| Average equity | $71,346,000 | 1,200 |
| Average total loans | $539,030,250 | 1,001 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7718% | 2,154 |
| Cost of funding earning assets | 0.1997% | 5,076 |
| Net interest margin | 4.5721% | 655 |
| Noninterest income to average assets | 0.0157% | 5,226 |
| Noninterest expense to average assets | 4.0037% | 536 |
| Loan and lease loss provision to assets | 0.3902% | 315 |
| Net operating income to assets | -0.0597% | 5,121 |
| Return on assets (ROA) | -0.0597% | 5,127 |
| Pretax return on assets | -0.0760% | 5,124 |
| Return on Equity (ROE) | -0.5328% | 5,128 |
| Retained earnings to average equity (ytd only) | -0.5328% | 4,770 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3865% | 301 |
| Assets per employee ($millions) | 12.2850% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9119% | 4,043 |
| Loan loss allowance to noncurrent loans | 1,322.5064% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 4,497 |
| Noncurrent loans to loans | 0.0690% | 4,373 |
| Net loans and leases to total assets | 76.2300% | 1,512 |
| Net loans and leases to deposits | 85.7651% | 2,282 |
| Net loans and leases to core deposits | 85.7651% | 2,979 |
| Total domestic deposits to total assets | 88.8823% | 712 |
| Equity capital to assets | 10.6869% | 3,353 |
| Core capital (leverage) ratio | 10.9801% | 2,622 |
| Tier 1 risk-based capital ratio | 12.8373% | 3,920 |
| Total risk-based capital ratio | 13.8424% | 3,968 |
| Memoranda: |
| Average total assets | $613,032,670 | 1,204 |
| Average earning assets | $576,849,670 | 1,193 |
| Average equity | $68,699,000 | 1,227 |
| Average total loans | $498,391,330 | 1,082 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9715% | 1,411 |
| Cost of funding earning assets | 0.1599% | 5,195 |
| Net interest margin | 4.8115% | 400 |
| Noninterest income to average assets | 0.0341% | 5,252 |
| Noninterest expense to average assets | 4.1053% | 459 |
| Loan and lease loss provision to assets | 0.7260% | 140 |
| Net operating income to assets | -0.2468% | 5,213 |
| Return on assets (ROA) | -0.2468% | 5,211 |
| Pretax return on assets | -0.3412% | 5,223 |
| Return on Equity (ROE) | -2.1363% | 5,218 |
| Retained earnings to average equity (ytd only) | -2.1363% | 4,754 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8626% | 397 |
| Assets per employee ($millions) | 11.3591% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9886% | 3,778 |
| Loan loss allowance to noncurrent loans | 1,204.6005% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 4,458 |
| Noncurrent loans to loans | 0.0821% | 4,392 |
| Net loans and leases to total assets | 86.0108% | 186 |
| Net loans and leases to deposits | 100.6332% | 587 |
| Net loans and leases to core deposits | 100.6332% | 1,562 |
| Total domestic deposits to total assets | 85.4697% | 2,497 |
| Equity capital to assets | 10.9815% | 2,878 |
| Core capital (leverage) ratio | 9.8569% | 3,756 |
| Tier 1 risk-based capital ratio | 11.6001% | 4,689 |
| Total risk-based capital ratio | 12.7303% | 4,649 |
| Memoranda: |
| Average total assets | $551,000,500 | 1,315 |
| Average earning assets | $510,273,000 | 1,317 |
| Average equity | $63,662,000 | 1,303 |
| Average total loans | $464,057,000 | 1,150 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3957% | 2,776 |
| Cost of funding earning assets | 0.4589% | 3,617 |
| Net interest margin | 3.9368% | 2,201 |
| Noninterest income to average assets | 0.2234% | 4,587 |
| Noninterest expense to average assets | 4.4442% | 313 |
| Loan and lease loss provision to assets | 1.4704% | 47 |
| Net operating income to assets | -1.5426% | 5,361 |
| Return on assets (ROA) | -1.5426% | 5,359 |
| Pretax return on assets | -2.1019% | 5,371 |
| Return on Equity (ROE) | -9.4504% | 5,346 |
| Retained earnings to average equity (ytd only) | -9.4504% | 5,314 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.0487% | 68 |
| Assets per employee ($millions) | 10.4538% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9356% | 4,019 |
| Loan loss allowance to noncurrent loans | 924.4186% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 4,407 |
| Noncurrent loans to loans | 0.1012% | 4,277 |
| Net loans and leases to total assets | 80.5245% | 862 |
| Net loans and leases to deposits | 92.1009% | 1,541 |
| Net loans and leases to core deposits | 92.2060% | 2,389 |
| Total domestic deposits to total assets | 87.4307% | 1,572 |
| Equity capital to assets | 12.1883% | 1,766 |
| Core capital (leverage) ratio | 10.9077% | 2,617 |
| Tier 1 risk-based capital ratio | 12.8112% | 3,959 |
| Total risk-based capital ratio | 13.8250% | 3,968 |
| Memoranda: |
| Average total assets | $270,330,600 | 2,330 |
| Average earning assets | $246,469,600 | 2,363 |
| Average equity | $44,125,000 | 1,692 |
| Average total loans | $201,147,600 | 2,167 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8950% | 4,226 |
| Cost of funding earning assets | 0.5549% | 2,833 |
| Net interest margin | 3.3400% | 4,187 |
| Noninterest income to average assets | 0.3101% | 4,070 |
| Noninterest expense to average assets | 4.6727% | 256 |
| Loan and lease loss provision to assets | 1.7930% | 35 |
| Net operating income to assets | -2.1559% | 5,450 |
| Return on assets (ROA) | -2.1559% | 5,448 |
| Pretax return on assets | -3.0695% | 5,454 |
| Return on Equity (ROE) | -11.3891% | 5,426 |
| Retained earnings to average equity (ytd only) | -11.3891% | 5,400 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.5141% | 36 |
| Assets per employee ($millions) | 10.6437% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8863% | 4,320 |
| Loan loss allowance to noncurrent loans | 1,105.9524% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 4,691 |
| Noncurrent loans to loans | 0.0801% | 4,519 |
| Net loans and leases to total assets | 68.0982% | 2,920 |
| Net loans and leases to deposits | 79.5748% | 3,081 |
| Net loans and leases to core deposits | 79.6806% | 3,522 |
| Total domestic deposits to total assets | 85.5776% | 2,363 |
| Equity capital to assets | 14.0986% | 929 |
| Core capital (leverage) ratio | 18.3557% | 305 |
| Tier 1 risk-based capital ratio | 16.7819% | 2,174 |
| Total risk-based capital ratio | 17.7273% | 2,221 |
| Memoranda: |
| Average total assets | $207,241,250 | 2,816 |
| Average earning assets | $191,489,500 | 2,826 |
| Average equity | $39,229,500 | 1,895 |
| Average total loans | $145,217,750 | 2,718 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9400% | 3,955 |
| Cost of funding earning assets | 0.4103% | 3,648 |
| Net interest margin | 3.5297% | 3,536 |
| Noninterest income to average assets | 0.3507% | 3,818 |
| Noninterest expense to average assets | 6.9649% | 113 |
| Loan and lease loss provision to assets | 1.8390% | 37 |
| Net operating income to assets | -3.5002% | 5,526 |
| Return on assets (ROA) | -3.5002% | 5,523 |
| Pretax return on assets | -5.2423% | 5,530 |
| Return on Equity (ROE) | -14.0662% | 5,495 |
| Retained earnings to average equity (ytd only) | -14.0662% | 5,466 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 192.6044% | 14 |
| Assets per employee ($millions) | 6.3900% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7143% | 4,915 |
| Loan loss allowance to noncurrent loans | 395.1389% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 4,335 |
| Noncurrent loans to loans | 0.1808% | 4,095 |
| Net loans and leases to total assets | 72.8018% | 2,148 |
| Net loans and leases to deposits | 105.0468% | 478 |
| Net loans and leases to core deposits | 105.8787% | 1,252 |
| Total domestic deposits to total assets | 69.3042% | 5,295 |
| Equity capital to assets | 30.2447% | 66 |
| Core capital (leverage) ratio | 40.1481% | 47 |
| Tier 1 risk-based capital ratio | 31.1573% | 438 |
| Total risk-based capital ratio | 31.8828% | 450 |
| Memoranda: |
| Average total assets | $123,762,670 | 3,797 |
| Average earning assets | $112,588,330 | 3,835 |
| Average equity | $30,797,330 | 2,299 |
| Average total loans | $88,804,670 | 3,549 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8899% | 889 |
| Cost of funding earning assets | 0.3131% | 4,246 |
| Net interest margin | 4.5768% | 526 |
| Noninterest income to average assets | 0.6285% | 2,138 |
| Noninterest expense to average assets | 4.6330% | 266 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1195% | 5,318 |
| Return on assets (ROA) | 0.1195% | 5,315 |
| Pretax return on assets | 0.1714% | 5,282 |
| Return on Equity (ROE) | 0.6896% | 5,335 |
| Retained earnings to average equity (ytd only) | 0.6896% | 4,690 |
| Net charge-offs to loans | 0.0075% | 2,474 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,187 |
| Efficiency ratio | 96.4324% | 244 |
| Assets per employee ($millions) | 4.5775% | 3,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4807% | 1,530 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 69.3439% | 2,583 |
| Net loans and leases to deposits | 83.8010% | 2,407 |
| Net loans and leases to core deposits | 85.8420% | 2,819 |
| Total domestic deposits to total assets | 82.7482% | 3,748 |
| Equity capital to assets | 17.1695% | 387 |
| Core capital (leverage) ratio | 15.7318% | 527 |
| Tier 1 risk-based capital ratio | 20.1102% | 1,323 |
| Total risk-based capital ratio | 21.3618% | 1,293 |
| Memoranda: |
| Average total assets | $77,013,500 | 4,624 |
| Average earning assets | $70,267,500 | 4,637 |
| Average equity | $13,341,000 | 3,923 |
| Average total loans | $53,553,000 | 4,363 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5137% | 257 |
| Cost of funding earning assets | 0.3517% | 3,704 |
| Net interest margin | 5.1620% | 176 |
| Noninterest income to average assets | 1.3638% | 565 |
| Noninterest expense to average assets | 4.4237% | 336 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2379% | 5,034 |
| Return on assets (ROA) | 0.2379% | 5,047 |
| Pretax return on assets | 1.4276% | 1,899 |
| Return on Equity (ROE) | 1.3514% | 5,175 |
| Retained earnings to average equity (ytd only) | 1.3514% | 4,465 |
| Net charge-offs to loans | -0.0531% | 5,208 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6020% | 1,679 |
| Assets per employee ($millions) | 4.2338% | 3,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5516% | 1,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 67.6049% | 2,876 |
| Net loans and leases to deposits | 82.2205% | 2,699 |
| Net loans and leases to core deposits | 84.6313% | 3,012 |
| Total domestic deposits to total assets | 82.2239% | 3,811 |
| Equity capital to assets | 17.4796% | 360 |
| Core capital (leverage) ratio | 15.1958% | 591 |
| Tier 1 risk-based capital ratio | 19.2490% | 1,461 |
| Total risk-based capital ratio | 20.5061% | 1,431 |
| Memoranda: |
| Average total assets | $75,231,800 | 4,681 |
| Average earning assets | $65,400,600 | 4,757 |
| Average equity | $13,246,000 | 3,953 |
| Average total loans | $54,617,600 | 4,342 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1046% | 499 |
| Cost of funding earning assets | 0.3350% | 3,815 |
| Net interest margin | 4.7696% | 364 |
| Noninterest income to average assets | 1.0686% | 894 |
| Noninterest expense to average assets | 4.4308% | 331 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5476% | 4,582 |
| Return on assets (ROA) | 0.5476% | 4,615 |
| Pretax return on assets | 0.9157% | 3,987 |
| Return on Equity (ROE) | 3.1047% | 5,084 |
| Retained earnings to average equity (ytd only) | 3.1047% | 4,065 |
| Net charge-offs to loans | -0.0701% | 5,277 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8733% | 851 |
| Assets per employee ($millions) | 4.8388% | 2,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4775% | 1,614 |
| Loan loss allowance to noncurrent loans | 556.1644% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.1886% | 4,350 |
| Noncurrent loans to loans | 0.2657% | 4,008 |
| Net loans and leases to total assets | 69.9345% | 2,566 |
| Net loans and leases to deposits | 84.9065% | 2,448 |
| Net loans and leases to core deposits | 87.3473% | 2,841 |
| Total domestic deposits to total assets | 82.3665% | 3,665 |
| Equity capital to assets | 17.3493% | 392 |
| Core capital (leverage) ratio | 15.5143% | 574 |
| Tier 1 risk-based capital ratio | 21.0714% | 1,182 |
| Total risk-based capital ratio | 22.3332% | 1,158 |
| Memoranda: |
| Average total assets | $74,987,500 | 4,739 |
| Average earning assets | $67,257,750 | 4,768 |
| Average equity | $13,227,250 | 3,995 |
| Average total loans | $55,188,750 | 4,357 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1360% | 441 |
| Cost of funding earning assets | 0.3167% | 3,912 |
| Net interest margin | 4.8193% | 312 |
| Noninterest income to average assets | 1.1944% | 714 |
| Noninterest expense to average assets | 4.6699% | 272 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5123% | 4,675 |
| Return on assets (ROA) | 0.5123% | 4,709 |
| Pretax return on assets | 0.8331% | 4,151 |
| Return on Equity (ROE) | 2.8877% | 5,155 |
| Retained earnings to average equity (ytd only) | 2.8877% | 3,990 |
| Net charge-offs to loans | 0.0181% | 2,886 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 61.8000% | 932 |
| Efficiency ratio | 84.8604% | 775 |
| Assets per employee ($millions) | 4.2139% | 3,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4080% | 1,919 |
| Loan loss allowance to noncurrent loans | 480.2469% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.2261% | 4,241 |
| Noncurrent loans to loans | 0.2932% | 3,995 |
| Net loans and leases to total assets | 76.0498% | 1,545 |
| Net loans and leases to deposits | 93.6806% | 1,295 |
| Net loans and leases to core deposits | 95.9560% | 1,986 |
| Total domestic deposits to total assets | 81.1799% | 4,137 |
| Equity capital to assets | 18.5842% | 284 |
| Core capital (leverage) ratio | 15.3339% | 574 |
| Tier 1 risk-based capital ratio | 17.6955% | 1,947 |
| Total risk-based capital ratio | 18.9545% | 1,907 |
| Memoranda: |
| Average total assets | $74,176,670 | 4,781 |
| Average earning assets | $66,316,330 | 4,824 |
| Average equity | $13,159,330 | 4,016 |
| Average total loans | $55,266,330 | 4,380 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0226% | 508 |
| Cost of funding earning assets | 0.3021% | 4,018 |
| Net interest margin | 4.7205% | 364 |
| Noninterest income to average assets | 0.3128% | 4,313 |
| Noninterest expense to average assets | 4.1035% | 479 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2545% | 5,296 |
| Return on assets (ROA) | 0.2545% | 5,315 |
| Pretax return on assets | 0.4347% | 5,093 |
| Return on Equity (ROE) | 1.4676% | 5,432 |
| Retained earnings to average equity (ytd only) | 1.4676% | 4,516 |
| Net charge-offs to loans | -0.0072% | 4,296 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4206% | 539 |
| Assets per employee ($millions) | 4.7616% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4030% | 2,057 |
| Loan loss allowance to noncurrent loans | 352.7027% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.2914% | 4,040 |
| Noncurrent loans to loans | 0.3978% | 3,668 |
| Net loans and leases to total assets | 72.2272% | 2,043 |
| Net loans and leases to deposits | 87.4833% | 1,862 |
| Net loans and leases to core deposits | 89.9384% | 2,352 |
| Total domestic deposits to total assets | 82.5611% | 3,989 |
| Equity capital to assets | 17.2853% | 357 |
| Core capital (leverage) ratio | 14.6356% | 679 |
| Tier 1 risk-based capital ratio | 17.0746% | 2,164 |
| Total risk-based capital ratio | 18.3338% | 2,111 |
| Memoranda: |
| Average total assets | $75,447,000 | 4,805 |
| Average earning assets | $67,535,000 | 4,842 |
| Average equity | $13,082,500 | 4,047 |
| Average total loans | $55,271,000 | 4,417 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0148% | 576 |
| Cost of funding earning assets | 0.3142% | 3,907 |
| Net interest margin | 4.7006% | 421 |
| Noninterest income to average assets | 0.7624% | 1,915 |
| Noninterest expense to average assets | 4.2929% | 451 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 3.8779% | 52 |
| Return on assets (ROA) | 3.8779% | 52 |
| Pretax return on assets | 0.6991% | 4,488 |
| Return on Equity (ROE) | 22.8588% | 121 |
| Retained earnings to average equity (ytd only) | 22.8588% | 35 |
| Net charge-offs to loans | -0.0172% | 5,084 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9961% | 821 |
| Assets per employee ($millions) | 4.3946% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4306% | 1,957 |
| Loan loss allowance to noncurrent loans | 414.2857% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 4,290 |
| Noncurrent loans to loans | 0.3453% | 3,898 |
| Net loans and leases to total assets | 72.2131% | 2,139 |
| Net loans and leases to deposits | 87.6436% | 1,965 |
| Net loans and leases to core deposits | 89.7729% | 2,525 |
| Total domestic deposits to total assets | 82.3941% | 3,962 |
| Equity capital to assets | 17.3957% | 345 |
| Core capital (leverage) ratio | 14.5727% | 681 |
| Tier 1 risk-based capital ratio | 18.4063% | 1,751 |
| Total risk-based capital ratio | 19.6793% | 1,710 |
| Memoranda: |
| Average total assets | $71,094,800 | 4,912 |
| Average earning assets | $63,970,600 | 4,941 |
| Average equity | $12,061,000 | 4,241 |
| Average total loans | $52,420,400 | 4,511 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0284% | 569 |
| Cost of funding earning assets | 0.3230% | 3,836 |
| Net interest margin | 4.7054% | 427 |
| Noninterest income to average assets | 0.9175% | 1,354 |
| Noninterest expense to average assets | 4.2644% | 463 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 5.5390% | 28 |
| Return on assets (ROA) | 5.5390% | 29 |
| Pretax return on assets | 0.8871% | 4,024 |
| Return on Equity (ROE) | 32.8724% | 25 |
| Retained earnings to average equity (ytd only) | 32.8724% | 9 |
| Net charge-offs to loans | -0.0231% | 5,060 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7802% | 1,099 |
| Assets per employee ($millions) | 4.1849% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4234% | 2,094 |
| Loan loss allowance to noncurrent loans | 372.3810% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.2952% | 4,235 |
| Noncurrent loans to loans | 0.3822% | 3,890 |
| Net loans and leases to total assets | 76.1227% | 1,504 |
| Net loans and leases to deposits | 93.6404% | 1,299 |
| Net loans and leases to core deposits | 96.0622% | 1,981 |
| Total domestic deposits to total assets | 81.2926% | 4,168 |
| Equity capital to assets | 18.4867% | 305 |
| Core capital (leverage) ratio | 14.7148% | 683 |
| Tier 1 risk-based capital ratio | 18.2844% | 1,838 |
| Total risk-based capital ratio | 19.5579% | 1,804 |
| Memoranda: |
| Average total assets | $70,191,500 | 4,970 |
| Average earning assets | $63,160,000 | 5,000 |
| Average equity | $11,827,250 | 4,316 |
| Average total loans | $51,842,500 | 4,558 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9316% | 671 |
| Cost of funding earning assets | 0.3351% | 3,745 |
| Net interest margin | 4.5965% | 512 |
| Noninterest income to average assets | 0.3492% | 4,281 |
| Noninterest expense to average assets | 4.0988% | 534 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 7.5049% | 22 |
| Return on assets (ROA) | 7.5049% | 23 |
| Pretax return on assets | 0.4122% | 5,325 |
| Return on Equity (ROE) | 46.0579% | 13 |
| Retained earnings to average equity (ytd only) | 46.0579% | 3 |
| Net charge-offs to loans | -0.0236% | 5,016 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8629% | 555 |
| Assets per employee ($millions) | 4.7736% | 2,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5005% | 1,862 |
| Loan loss allowance to noncurrent loans | 344.6903% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 4,319 |
| Noncurrent loans to loans | 0.4353% | 3,808 |
| Net loans and leases to total assets | 66.9547% | 2,948 |
| Net loans and leases to deposits | 79.9643% | 2,933 |
| Net loans and leases to core deposits | 81.8260% | 3,285 |
| Total domestic deposits to total assets | 83.7307% | 3,372 |
| Equity capital to assets | 16.0808% | 531 |
| Core capital (leverage) ratio | 13.8495% | 862 |
| Tier 1 risk-based capital ratio | 17.6400% | 2,033 |
| Total risk-based capital ratio | 18.9153% | 1,984 |
| Memoranda: |
| Average total assets | $69,874,330 | 5,024 |
| Average earning assets | $63,266,000 | 5,044 |
| Average equity | $11,385,670 | 4,426 |
| Average total loans | $50,810,670 | 4,616 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0865% | 503 |
| Cost of funding earning assets | 0.3303% | 3,841 |
| Net interest margin | 4.7562% | 392 |
| Noninterest income to average assets | 0.3602% | 4,150 |
| Noninterest expense to average assets | 4.1787% | 499 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 15.3881% | 11 |
| Return on assets (ROA) | 15.3881% | 12 |
| Pretax return on assets | 0.5043% | 5,077 |
| Return on Equity (ROE) | 93.7326% | 6 |
| Retained earnings to average equity (ytd only) | 93.7326% | 3 |
| Net charge-offs to loans | -0.0239% | 4,954 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2308% | 727 |
| Assets per employee ($millions) | 4.2020% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4780% | 2,077 |
| Loan loss allowance to noncurrent loans | 320.6612% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 4,202 |
| Noncurrent loans to loans | 0.4609% | 3,793 |
| Net loans and leases to total assets | 72.4109% | 1,965 |
| Net loans and leases to deposits | 87.5199% | 1,884 |
| Net loans and leases to core deposits | 89.7258% | 2,401 |
| Total domestic deposits to total assets | 82.7365% | 3,991 |
| Equity capital to assets | 17.1067% | 412 |
| Core capital (leverage) ratio | 15.2095% | 572 |
| Tier 1 risk-based capital ratio | 16.0918% | 2,636 |
| Total risk-based capital ratio | 17.3646% | 2,581 |
| Memoranda: |
| Average total assets | $66,623,000 | 5,132 |
| Average earning assets | $60,552,000 | 5,143 |
| Average equity | $10,937,500 | 4,522 |
| Average total loans | $50,257,500 | 4,667 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5746% | 1,398 |
| Cost of funding earning assets | 0.3179% | 4,061 |
| Net interest margin | 4.2567% | 1,052 |
| Noninterest income to average assets | 0.6829% | 2,279 |
| Noninterest expense to average assets | 3.9313% | 734 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8396% | 3,158 |
| Return on assets (ROA) | 0.8396% | 3,230 |
| Pretax return on assets | 0.6874% | 4,561 |
| Return on Equity (ROE) | 6.0205% | 4,023 |
| Retained earnings to average equity (ytd only) | 6.0205% | 1,782 |
| Net charge-offs to loans | 0.0022% | 4,397 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 456.0000% | 146 |
| Efficiency ratio | 85.1175% | 1,076 |
| Assets per employee ($millions) | 3.8633% | 4,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6100% | 1,583 |
| Loan loss allowance to noncurrent loans | 193.2500% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.6471% | 3,111 |
| Noncurrent loans to loans | 0.8331% | 2,706 |
| Net loans and leases to total assets | 76.4253% | 1,344 |
| Net loans and leases to deposits | 91.4016% | 1,461 |
| Net loans and leases to core deposits | 94.0418% | 2,045 |
| Total domestic deposits to total assets | 83.6148% | 3,628 |
| Equity capital to assets | 15.6199% | 575 |
| Core capital (leverage) ratio | 13.9904% | 820 |
| Tier 1 risk-based capital ratio | 17.0939% | 2,247 |
| Total risk-based capital ratio | 18.3486% | 2,201 |
| Memoranda: |
| Average total assets | $66,338,600 | 5,173 |
| Average earning assets | $61,338,800 | 5,153 |
| Average equity | $9,251,800 | 4,793 |
| Average total loans | $45,627,600 | 4,810 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5975% | 1,334 |
| Cost of funding earning assets | 0.3211% | 4,088 |
| Net interest margin | 4.2764% | 1,008 |
| Noninterest income to average assets | 0.3419% | 4,499 |
| Noninterest expense to average assets | 3.8218% | 830 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3340% | 5,359 |
| Return on assets (ROA) | 0.3340% | 5,440 |
| Pretax return on assets | 0.3359% | 5,583 |
| Return on Equity (ROE) | 2.4624% | 5,562 |
| Retained earnings to average equity (ytd only) | 2.4624% | 4,641 |
| Net charge-offs to loans | 0.0089% | 3,850 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 56.6650% | 950 |
| Efficiency ratio | 91.9202% | 580 |
| Assets per employee ($millions) | 4.7803% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6196% | 1,723 |
| Loan loss allowance to noncurrent loans | 174.8299% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.6150% | 3,426 |
| Noncurrent loans to loans | 0.9264% | 2,656 |
| Net loans and leases to total assets | 65.3134% | 3,110 |
| Net loans and leases to deposits | 75.5590% | 3,358 |
| Net loans and leases to core deposits | 77.3677% | 3,662 |
| Total domestic deposits to total assets | 86.4403% | 2,311 |
| Equity capital to assets | 12.9154% | 1,494 |
| Core capital (leverage) ratio | 12.8534% | 1,251 |
| Tier 1 risk-based capital ratio | 15.0086% | 3,285 |
| Total risk-based capital ratio | 16.2603% | 3,224 |
| Memoranda: |
| Average total assets | $67,470,250 | 5,210 |
| Average earning assets | $60,205,500 | 5,244 |
| Average equity | $9,151,000 | 4,877 |
| Average total loans | $45,031,250 | 4,879 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3555% | 1,995 |
| Cost of funding earning assets | 0.2923% | 4,475 |
| Net interest margin | 4.0632% | 1,463 |
| Noninterest income to average assets | 0.3482% | 4,469 |
| Noninterest expense to average assets | 3.8663% | 800 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2240% | 5,636 |
| Return on assets (ROA) | 0.2240% | 5,708 |
| Pretax return on assets | 0.2271% | 5,772 |
| Return on Equity (ROE) | 1.6238% | 5,772 |
| Retained earnings to average equity (ytd only) | 1.6238% | 4,886 |
| Net charge-offs to loans | 0.0136% | 3,455 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,539 |
| Efficiency ratio | 94.4527% | 501 |
| Assets per employee ($millions) | 4.8586% | 2,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6961% | 1,611 |
| Loan loss allowance to noncurrent loans | 91.2426% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.1595% | 2,189 |
| Noncurrent loans to loans | 1.8589% | 1,359 |
| Net loans and leases to total assets | 61.3167% | 3,649 |
| Net loans and leases to deposits | 70.4865% | 3,874 |
| Net loans and leases to core deposits | 72.1328% | 4,121 |
| Total domestic deposits to total assets | 86.9908% | 2,175 |
| Equity capital to assets | 12.5702% | 1,620 |
| Core capital (leverage) ratio | 14.2911% | 764 |
| Tier 1 risk-based capital ratio | 16.1724% | 2,772 |
| Total risk-based capital ratio | 17.4246% | 2,722 |
| Memoranda: |
| Average total assets | $66,058,670 | 5,304 |
| Average earning assets | $60,888,670 | 5,280 |
| Average equity | $9,114,330 | 4,921 |
| Average total loans | $44,173,670 | 4,943 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4270% | 1,667 |
| Cost of funding earning assets | 0.3127% | 4,302 |
| Net interest margin | 4.1143% | 1,242 |
| Noninterest income to average assets | 0.3831% | 4,136 |
| Noninterest expense to average assets | 3.9969% | 699 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1596% | 5,763 |
| Return on assets (ROA) | 0.1596% | 5,838 |
| Pretax return on assets | 0.1660% | 5,873 |
| Return on Equity (ROE) | 1.1000% | 5,892 |
| Retained earnings to average equity (ytd only) | 1.1000% | 5,043 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0123% | 501 |
| Assets per employee ($millions) | 4.3301% | 3,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7082% | 1,718 |
| Loan loss allowance to noncurrent loans | 88.2554% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.3502% | 1,972 |
| Noncurrent loans to loans | 1.9355% | 1,378 |
| Net loans and leases to total assets | 68.5702% | 2,355 |
| Net loans and leases to deposits | 80.2223% | 2,536 |
| Net loans and leases to core deposits | 82.3661% | 2,925 |
| Total domestic deposits to total assets | 85.4752% | 3,189 |
| Equity capital to assets | 14.0198% | 980 |
| Core capital (leverage) ratio | 14.4569% | 702 |
| Tier 1 risk-based capital ratio | 18.0880% | 2,111 |
| Total risk-based capital ratio | 19.3427% | 2,059 |
| Memoranda: |
| Average total assets | $62,648,500 | 5,436 |
| Average earning assets | $57,555,500 | 5,434 |
| Average equity | $9,091,000 | 4,966 |
| Average total loans | $43,531,500 | 4,998 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8215% | 1,071 |
| Cost of funding earning assets | 0.3318% | 4,473 |
| Net interest margin | 4.4897% | 764 |
| Noninterest income to average assets | 0.7110% | 2,250 |
| Noninterest expense to average assets | 4.2811% | 556 |
| Loan and lease loss provision to assets | 0.1492% | 1,754 |
| Net operating income to assets | 0.4061% | 5,201 |
| Return on assets (ROA) | 0.4061% | 5,264 |
| Pretax return on assets | 0.4077% | 5,466 |
| Return on Equity (ROE) | 2.7433% | 5,558 |
| Retained earnings to average equity (ytd only) | 2.7433% | 4,289 |
| Net charge-offs to loans | -0.0520% | 5,941 |
| Credit loss provision to net charge-offs | -391.3043% | 5,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4892% | 950 |
| Assets per employee ($millions) | 4.0231% | 3,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8538% | 1,414 |
| Loan loss allowance to noncurrent loans | 85.6195% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.4980% | 1,822 |
| Noncurrent loans to loans | 2.1652% | 1,244 |
| Net loans and leases to total assets | 67.9051% | 2,573 |
| Net loans and leases to deposits | 80.5385% | 2,662 |
| Net loans and leases to core deposits | 82.8893% | 3,010 |
| Total domestic deposits to total assets | 84.3138% | 3,583 |
| Equity capital to assets | 15.0399% | 700 |
| Core capital (leverage) ratio | 14.2599% | 758 |
| Tier 1 risk-based capital ratio | 18.0246% | 2,126 |
| Total risk-based capital ratio | 19.2789% | 2,090 |
| Memoranda: |
| Average total assets | $60,335,600 | 5,540 |
| Average earning assets | $55,459,800 | 5,533 |
| Average equity | $8,931,000 | 4,989 |
| Average total loans | $44,245,600 | 5,025 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8958% | 938 |
| Cost of funding earning assets | 0.3322% | 4,543 |
| Net interest margin | 4.5636% | 662 |
| Noninterest income to average assets | 0.8110% | 1,850 |
| Noninterest expense to average assets | 4.3778% | 517 |
| Loan and lease loss provision to assets | 0.1989% | 1,200 |
| Net operating income to assets | 0.4221% | 5,167 |
| Return on assets (ROA) | 0.4221% | 5,249 |
| Pretax return on assets | 0.4243% | 5,533 |
| Return on Equity (ROE) | 2.8630% | 5,589 |
| Retained earnings to average equity (ytd only) | 2.8630% | 4,564 |
| Net charge-offs to loans | -0.0208% | 5,623 |
| Credit loss provision to net charge-offs | -1,285.7143% | 5,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5387% | 1,041 |
| Assets per employee ($millions) | 4.0808% | 3,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6731% | 2,059 |
| Loan loss allowance to noncurrent loans | 148.0469% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.8364% | 3,329 |
| Noncurrent loans to loans | 1.1301% | 2,799 |
| Net loans and leases to total assets | 72.7766% | 1,719 |
| Net loans and leases to deposits | 85.9386% | 1,910 |
| Net loans and leases to core deposits | 88.3942% | 2,381 |
| Total domestic deposits to total assets | 84.6844% | 3,463 |
| Equity capital to assets | 14.7161% | 804 |
| Core capital (leverage) ratio | 14.0995% | 816 |
| Tier 1 risk-based capital ratio | 17.6229% | 2,348 |
| Total risk-based capital ratio | 18.8761% | 2,306 |
| Memoranda: |
| Average total assets | $60,333,000 | 5,600 |
| Average earning assets | $55,393,500 | 5,601 |
| Average equity | $8,894,750 | 5,037 |
| Average total loans | $44,869,000 | 5,053 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8638% | 974 |
| Cost of funding earning assets | 0.3305% | 4,640 |
| Net interest margin | 4.5332% | 660 |
| Noninterest income to average assets | 1.0393% | 1,100 |
| Noninterest expense to average assets | 4.5003% | 451 |
| Loan and lease loss provision to assets | 0.1332% | 1,860 |
| Net operating income to assets | 0.5596% | 4,547 |
| Return on assets (ROA) | 0.5596% | 4,652 |
| Pretax return on assets | 0.5630% | 5,084 |
| Return on Equity (ROE) | 3.7936% | 5,235 |
| Retained earnings to average equity (ytd only) | 3.7936% | 3,763 |
| Net charge-offs to loans | -0.0313% | 5,701 |
| Credit loss provision to net charge-offs | -571.4286% | 5,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6026% | 1,209 |
| Assets per employee ($millions) | 4.5876% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5211% | 2,800 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.8268% | 3,491 |
| Noncurrent loans to loans | 1.1408% | 2,951 |
| Net loans and leases to total assets | 71.3672% | 1,849 |
| Net loans and leases to deposits | 83.2779% | 2,117 |
| Net loans and leases to core deposits | 85.5120% | 2,562 |
| Total domestic deposits to total assets | 85.6976% | 3,196 |
| Equity capital to assets | 13.9754% | 977 |
| Core capital (leverage) ratio | 14.6879% | 654 |
| Tier 1 risk-based capital ratio | 17.0943% | 2,579 |
| Total risk-based capital ratio | 18.3466% | 2,542 |
| Memoranda: |
| Average total assets | $60,040,000 | 5,659 |
| Average earning assets | $55,060,330 | 5,659 |
| Average equity | $8,857,000 | 5,066 |
| Average total loans | $44,723,330 | 5,090 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9028% | 871 |
| Cost of funding earning assets | 0.3394% | 4,651 |
| Net interest margin | 4.5634% | 592 |
| Noninterest income to average assets | 0.4004% | 4,185 |
| Noninterest expense to average assets | 4.3903% | 502 |
| Loan and lease loss provision to assets | 0.1035% | 2,198 |
| Net operating income to assets | 0.0759% | 6,079 |
| Return on assets (ROA) | 0.0759% | 6,103 |
| Pretax return on assets | 0.0828% | 6,105 |
| Return on Equity (ROE) | 0.5001% | 6,140 |
| Retained earnings to average equity (ytd only) | 0.5001% | 5,381 |
| Net charge-offs to loans | -0.0639% | 5,923 |
| Credit loss provision to net charge-offs | -214.2857% | 4,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9276% | 644 |
| Assets per employee ($millions) | 3.9023% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5229% | 3,052 |
| Loan loss allowance to noncurrent loans | 87.3402% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 1.3360% | 2,647 |
| Noncurrent loans to loans | 1.7436% | 2,218 |
| Net loans and leases to total assets | 75.4540% | 1,062 |
| Net loans and leases to deposits | 89.1254% | 1,238 |
| Net loans and leases to core deposits | 91.7851% | 1,750 |
| Total domestic deposits to total assets | 84.6605% | 4,016 |
| Equity capital to assets | 15.0491% | 660 |
| Core capital (leverage) ratio | 15.2869% | 565 |
| Tier 1 risk-based capital ratio | 16.9060% | 2,734 |
| Total risk-based capital ratio | 18.1577% | 2,689 |
| Memoranda: |
| Average total assets | $57,946,500 | 5,768 |
| Average earning assets | $53,030,500 | 5,762 |
| Average equity | $8,797,500 | 5,107 |
| Average total loans | $43,812,500 | 5,176 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8480% | 1,201 |
| Cost of funding earning assets | 0.3498% | 5,137 |
| Net interest margin | 4.4981% | 740 |
| Noninterest income to average assets | 0.3561% | 4,753 |
| Noninterest expense to average assets | 5.2949% | 287 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.7994% | 6,569 |
| Return on assets (ROA) | -0.7994% | 6,567 |
| Pretax return on assets | -0.7975% | 6,555 |
| Return on Equity (ROE) | -4.7389% | 6,479 |
| Retained earnings to average equity (ytd only) | -4.7389% | 6,354 |
| Net charge-offs to loans | 0.9724% | 611 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -1.1440% | 5,270 |
| Efficiency ratio | 117.7338% | 195 |
| Assets per employee ($millions) | 3.8239% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5453% | 2,978 |
| Loan loss allowance to noncurrent loans | 134.3496% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.8578% | 3,745 |
| Noncurrent loans to loans | 1.1502% | 3,239 |
| Net loans and leases to total assets | 73.4231% | 1,451 |
| Net loans and leases to deposits | 86.9531% | 1,581 |
| Net loans and leases to core deposits | 89.5452% | 2,078 |
| Total domestic deposits to total assets | 84.4398% | 3,993 |
| Equity capital to assets | 15.3178% | 619 |
| Core capital (leverage) ratio | 15.7395% | 501 |
| Tier 1 risk-based capital ratio | 17.7300% | 2,327 |
| Total risk-based capital ratio | 18.9817% | 2,307 |
| Memoranda: |
| Average total assets | $52,786,800 | 5,945 |
| Average earning assets | $48,597,800 | 5,929 |
| Average equity | $8,905,000 | 5,109 |
| Average total loans | $37,844,200 | 5,430 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8701% | 1,193 |
| Cost of funding earning assets | 0.3567% | 5,233 |
| Net interest margin | 4.5134% | 721 |
| Noninterest income to average assets | 0.3537% | 4,865 |
| Noninterest expense to average assets | 5.5713% | 243 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -1.0714% | 6,717 |
| Return on assets (ROA) | -1.0714% | 6,714 |
| Pretax return on assets | -1.0688% | 6,704 |
| Return on Equity (ROE) | -6.1929% | 6,628 |
| Retained earnings to average equity (ytd only) | -6.1929% | 6,542 |
| Net charge-offs to loans | 0.9213% | 631 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -1.6364% | 5,060 |
| Efficiency ratio | 123.7385% | 148 |
| Assets per employee ($millions) | 3.4933% | 4,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9656% | 1,810 |
| Loan loss allowance to noncurrent loans | 181.3084% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 4,065 |
| Noncurrent loans to loans | 1.0841% | 3,625 |
| Net loans and leases to total assets | 73.8621% | 1,308 |
| Net loans and leases to deposits | 89.0011% | 1,266 |
| Net loans and leases to core deposits | 91.9617% | 1,769 |
| Total domestic deposits to total assets | 82.9901% | 4,577 |
| Equity capital to assets | 16.7465% | 445 |
| Core capital (leverage) ratio | 16.5331% | 426 |
| Tier 1 risk-based capital ratio | 18.7350% | 2,069 |
| Total risk-based capital ratio | 19.9910% | 2,037 |
| Memoranda: |
| Average total assets | $51,644,000 | 6,042 |
| Average earning assets | $47,471,750 | 6,020 |
| Average equity | $8,934,750 | 5,153 |
| Average total loans | $36,611,500 | 5,528 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7548% | 1,435 |
| Cost of funding earning assets | 0.3583% | 5,329 |
| Net interest margin | 4.3965% | 857 |
| Noninterest income to average assets | 0.3658% | 4,781 |
| Noninterest expense to average assets | 6.0943% | 202 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -1.6734% | 6,826 |
| Return on assets (ROA) | -1.6734% | 6,828 |
| Pretax return on assets | -1.6695% | 6,819 |
| Return on Equity (ROE) | -9.5683% | 6,732 |
| Retained earnings to average equity (ytd only) | -9.5683% | 6,652 |
| Net charge-offs to loans | 1.4247% | 379 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -1.6890% | 4,755 |
| Efficiency ratio | 137.7309% | 104 |
| Assets per employee ($millions) | 3.5961% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1170% | 1,597 |
| Loan loss allowance to noncurrent loans | 496.7949% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.5879% | 4,779 |
| Noncurrent loans to loans | 0.4261% | 5,196 |
| Net loans and leases to total assets | 71.1755% | 1,697 |
| Net loans and leases to deposits | 86.8872% | 1,469 |
| Net loans and leases to core deposits | 90.5196% | 1,864 |
| Total domestic deposits to total assets | 81.9171% | 5,085 |
| Equity capital to assets | 17.3698% | 381 |
| Core capital (leverage) ratio | 17.1265% | 361 |
| Tier 1 risk-based capital ratio | 19.7591% | 1,775 |
| Total risk-based capital ratio | 21.0159% | 1,750 |
| Memoranda: |
| Average total assets | $51,392,330 | 6,090 |
| Average earning assets | $47,446,330 | 6,057 |
| Average equity | $8,988,000 | 5,175 |
| Average total loans | $35,655,670 | 5,590 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5507% | 1,985 |
| Cost of funding earning assets | 0.3654% | 5,412 |
| Net interest margin | 4.1854% | 1,229 |
| Noninterest income to average assets | 0.3236% | 5,113 |
| Noninterest expense to average assets | 4.8232% | 416 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.6241% | 6,718 |
| Return on assets (ROA) | -0.6241% | 6,734 |
| Pretax return on assets | -0.6164% | 6,705 |
| Return on Equity (ROE) | -3.5567% | 6,635 |
| Retained earnings to average equity (ytd only) | -3.5567% | 6,239 |
| Net charge-offs to loans | -0.0227% | 5,778 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.6520% | 267 |
| Assets per employee ($millions) | 3.9035% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8680% | 759 |
| Loan loss allowance to noncurrent loans | 233.7868% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 1.3400% | 3,281 |
| Noncurrent loans to loans | 1.2268% | 3,724 |
| Net loans and leases to total assets | 68.8074% | 1,872 |
| Net loans and leases to deposits | 84.0543% | 1,591 |
| Net loans and leases to core deposits | 88.0964% | 1,896 |
| Total domestic deposits to total assets | 81.8606% | 5,248 |
| Equity capital to assets | 17.8871% | 346 |
| Core capital (leverage) ratio | 17.5872% | 313 |
| Tier 1 risk-based capital ratio | 21.3510% | 1,463 |
| Total risk-based capital ratio | 22.6166% | 1,433 |
| Memoranda: |
| Average total assets | $51,915,500 | 6,126 |
| Average earning assets | $48,168,000 | 6,093 |
| Average equity | $9,109,500 | 5,205 |
| Average total loans | $35,179,000 | 5,656 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9637% | 1,651 |
| Cost of funding earning assets | 0.4363% | 5,672 |
| Net interest margin | 4.5273% | 897 |
| Noninterest income to average assets | 0.5767% | 3,404 |
| Noninterest expense to average assets | 5.2062% | 330 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.3279% | 6,465 |
| Return on assets (ROA) | -0.3279% | 6,513 |
| Pretax return on assets | -0.3259% | 6,492 |
| Return on Equity (ROE) | -1.7976% | 6,444 |
| Retained earnings to average equity (ytd only) | -1.7976% | 6,135 |
| Net charge-offs to loans | 0.0395% | 5,366 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -11.7857% | 5,945 |
| Efficiency ratio | 106.6775% | 395 |
| Assets per employee ($millions) | 4.0835% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9904% | 672 |
| Loan loss allowance to noncurrent loans | 206.6265% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 1.3883% | 3,317 |
| Noncurrent loans to loans | 1.4473% | 3,432 |
| Net loans and leases to total assets | 62.8822% | 3,080 |
| Net loans and leases to deposits | 76.2263% | 2,769 |
| Net loans and leases to core deposits | 79.1394% | 3,128 |
| Total domestic deposits to total assets | 82.4941% | 4,931 |
| Equity capital to assets | 17.2214% | 390 |
| Core capital (leverage) ratio | 16.8760% | 365 |
| Tier 1 risk-based capital ratio | 23.1642% | 1,088 |
| Total risk-based capital ratio | 24.4312% | 1,072 |
| Memoranda: |
| Average total assets | $50,631,800 | 6,199 |
| Average earning assets | $48,129,800 | 6,118 |
| Average equity | $9,234,400 | 5,161 |
| Average total loans | $35,439,800 | 5,703 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9891% | 1,716 |
| Cost of funding earning assets | 0.4528% | 5,771 |
| Net interest margin | 4.5363% | 927 |
| Noninterest income to average assets | 0.6771% | 2,829 |
| Noninterest expense to average assets | 5.4005% | 286 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.3999% | 6,647 |
| Return on assets (ROA) | -0.3999% | 6,692 |
| Pretax return on assets | -0.3972% | 6,655 |
| Return on Equity (ROE) | -2.1604% | 6,581 |
| Retained earnings to average equity (ytd only) | -2.1604% | 6,415 |
| Net charge-offs to loans | 0.0598% | 4,829 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -9.3136% | 5,738 |
| Efficiency ratio | 107.9382% | 342 |
| Assets per employee ($millions) | 4.1600% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7877% | 893 |
| Loan loss allowance to noncurrent loans | 217.1247% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 1.3166% | 3,657 |
| Noncurrent loans to loans | 1.2839% | 3,898 |
| Net loans and leases to total assets | 66.2241% | 2,615 |
| Net loans and leases to deposits | 79.8813% | 2,406 |
| Net loans and leases to core deposits | 83.5936% | 2,743 |
| Total domestic deposits to total assets | 82.9031% | 4,677 |
| Equity capital to assets | 16.9083% | 473 |
| Core capital (leverage) ratio | 16.8311% | 386 |
| Tier 1 risk-based capital ratio | 22.7380% | 1,209 |
| Total risk-based capital ratio | 24.0039% | 1,189 |
| Memoranda: |
| Average total assets | $50,018,500 | 6,283 |
| Average earning assets | $47,703,250 | 6,204 |
| Average equity | $9,257,500 | 5,208 |
| Average total loans | $35,697,250 | 5,762 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1826% | 1,303 |
| Cost of funding earning assets | 0.4664% | 5,857 |
| Net interest margin | 4.7162% | 651 |
| Noninterest income to average assets | 0.7356% | 2,491 |
| Noninterest expense to average assets | 5.0427% | 364 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1767% | 5,988 |
| Return on assets (ROA) | 0.1767% | 6,160 |
| Pretax return on assets | 0.1808% | 6,173 |
| Return on Equity (ROE) | 0.9252% | 6,311 |
| Retained earnings to average equity (ytd only) | 0.9252% | 5,701 |
| Net charge-offs to loans | -0.0057% | 6,186 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5382% | 683 |
| Assets per employee ($millions) | 3.9716% | 3,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9540% | 820 |
| Loan loss allowance to noncurrent loans | 205.1081% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 1.8245% | 3,006 |
| Noncurrent loans to loans | 1.4402% | 3,757 |
| Net loans and leases to total assets | 66.4291% | 2,586 |
| Net loans and leases to deposits | 81.2787% | 2,195 |
| Net loans and leases to core deposits | 85.8330% | 2,451 |
| Total domestic deposits to total assets | 81.7300% | 5,225 |
| Equity capital to assets | 18.0570% | 337 |
| Core capital (leverage) ratio | 18.4129% | 274 |
| Tier 1 risk-based capital ratio | 23.9727% | 1,014 |
| Total risk-based capital ratio | 25.2404% | 992 |
| Memoranda: |
| Average total assets | $48,664,670 | 6,361 |
| Average earning assets | $46,308,670 | 6,281 |
| Average equity | $9,295,330 | 5,203 |
| Average total loans | $35,316,000 | 5,820 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3389% | 1,028 |
| Cost of funding earning assets | 0.4724% | 5,999 |
| Net interest margin | 4.8665% | 492 |
| Noninterest income to average assets | 0.9326% | 1,620 |
| Noninterest expense to average assets | 5.2309% | 321 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3222% | 5,583 |
| Return on assets (ROA) | 0.3222% | 5,751 |
| Pretax return on assets | 0.3306% | 5,907 |
| Return on Equity (ROE) | 1.6377% | 6,181 |
| Retained earnings to average equity (ytd only) | 1.6377% | 5,418 |
| Net charge-offs to loans | -0.0113% | 5,983 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0549% | 818 |
| Assets per employee ($millions) | 3.7219% | 4,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9346% | 888 |
| Loan loss allowance to noncurrent loans | 163.6364% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 2.2135% | 2,679 |
| Noncurrent loans to loans | 1.7934% | 3,422 |
| Net loans and leases to total assets | 71.3672% | 1,507 |
| Net loans and leases to deposits | 88.6092% | 1,095 |
| Net loans and leases to core deposits | 92.3165% | 1,623 |
| Total domestic deposits to total assets | 80.5415% | 5,713 |
| Equity capital to assets | 19.2332% | 263 |
| Core capital (leverage) ratio | 19.4349% | 225 |
| Tier 1 risk-based capital ratio | 23.9407% | 1,016 |
| Total risk-based capital ratio | 25.2090% | 997 |
| Memoranda: |
| Average total assets | $47,181,500 | 6,455 |
| Average earning assets | $44,878,500 | 6,365 |
| Average equity | $9,281,500 | 5,220 |
| Average total loans | $35,303,000 | 5,858 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0440% | 2,685 |
| Cost of funding earning assets | 0.5535% | 6,325 |
| Net interest margin | 4.4904% | 1,162 |
| Noninterest income to average assets | 0.5838% | 3,263 |
| Noninterest expense to average assets | 5.3786% | 283 |
| Loan and lease loss provision to assets | 0.1454% | 4,794 |
| Net operating income to assets | -0.6850% | 6,599 |
| Return on assets (ROA) | -0.6850% | 6,632 |
| Pretax return on assets | -0.6829% | 6,591 |
| Return on Equity (ROE) | -3.4664% | 6,439 |
| Retained earnings to average equity (ytd only) | -3.4664% | 6,323 |
| Net charge-offs to loans | 0.2219% | 4,396 |
| Credit loss provision to net charge-offs | 94.5205% | 3,814 |
| Earnings coverage of net charge-offs (x) | -3.4932% | 6,338 |
| Efficiency ratio | 111.1014% | 414 |
| Assets per employee ($millions) | 3.8315% | 4,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9774% | 829 |
| Loan loss allowance to noncurrent loans | 177.6831% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 2.5164% | 2,416 |
| Noncurrent loans to loans | 1.6757% | 3,649 |
| Net loans and leases to total assets | 73.9223% | 1,286 |
| Net loans and leases to deposits | 92.7823% | 901 |
| Net loans and leases to core deposits | 95.7705% | 1,517 |
| Total domestic deposits to total assets | 79.6729% | 5,824 |
| Equity capital to assets | 20.1335% | 228 |
| Core capital (leverage) ratio | 18.8158% | 255 |
| Tier 1 risk-based capital ratio | 23.9292% | 974 |
| Total risk-based capital ratio | 25.1984% | 957 |
| Memoranda: |
| Average total assets | $47,447,000 | 6,440 |
| Average earning assets | $44,984,400 | 6,358 |
| Average equity | $9,375,800 | 5,192 |
| Average total loans | $32,901,800 | 6,016 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9738% | 3,225 |
| Cost of funding earning assets | 0.5824% | 6,367 |
| Net interest margin | 4.3914% | 1,431 |
| Noninterest income to average assets | 0.6971% | 2,629 |
| Noninterest expense to average assets | 5.4961% | 260 |
| Loan and lease loss provision to assets | 0.0697% | 5,584 |
| Net operating income to assets | -0.7083% | 6,759 |
| Return on assets (ROA) | -0.7083% | 6,791 |
| Pretax return on assets | -0.7055% | 6,738 |
| Return on Equity (ROE) | -3.6007% | 6,600 |
| Retained earnings to average equity (ytd only) | -3.6007% | 6,477 |
| Net charge-offs to loans | 0.3007% | 3,588 |
| Credit loss provision to net charge-offs | 34.2466% | 5,354 |
| Earnings coverage of net charge-offs (x) | -3.1233% | 6,066 |
| Efficiency ratio | 113.0809% | 382 |
| Assets per employee ($millions) | 4.2951% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3007% | 661 |
| Loan loss allowance to noncurrent loans | 208.5595% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 2.0353% | 3,100 |
| Noncurrent loans to loans | 1.5826% | 3,923 |
| Net loans and leases to total assets | 56.7839% | 4,719 |
| Net loans and leases to deposits | 69.4733% | 4,388 |
| Net loans and leases to core deposits | 75.4576% | 4,255 |
| Total domestic deposits to total assets | 81.7349% | 5,182 |
| Equity capital to assets | 18.0749% | 379 |
| Core capital (leverage) ratio | 19.1928% | 251 |
| Tier 1 risk-based capital ratio | 27.4557% | 699 |
| Total risk-based capital ratio | 28.7259% | 684 |
| Memoranda: |
| Average total assets | $47,814,250 | 6,482 |
| Average earning assets | $45,330,000 | 6,409 |
| Average equity | $9,405,500 | 5,204 |
| Average total loans | $32,369,500 | 6,112 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1414% | 2,505 |
| Cost of funding earning assets | 0.6171% | 6,373 |
| Net interest margin | 4.5242% | 1,072 |
| Noninterest income to average assets | 0.6227% | 2,991 |
| Noninterest expense to average assets | 5.7030% | 238 |
| Loan and lease loss provision to assets | 0.1074% | 4,960 |
| Net operating income to assets | -0.9104% | 6,915 |
| Return on assets (ROA) | -0.9104% | 6,917 |
| Pretax return on assets | -0.9061% | 6,863 |
| Return on Equity (ROE) | -4.4937% | 6,682 |
| Retained earnings to average equity (ytd only) | -4.4937% | 6,524 |
| Net charge-offs to loans | 0.4475% | 2,786 |
| Credit loss provision to net charge-offs | 33.7838% | 4,930 |
| Earnings coverage of net charge-offs (x) | -2.5135% | 5,736 |
| Efficiency ratio | 116.2872% | 387 |
| Assets per employee ($millions) | 3.1306% | 5,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0801% | 829 |
| Loan loss allowance to noncurrent loans | 204.9281% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 2.2530% | 2,912 |
| Noncurrent loans to loans | 1.5030% | 4,164 |
| Net loans and leases to total assets | 66.8754% | 2,846 |
| Net loans and leases to deposits | 83.6615% | 2,157 |
| Net loans and leases to core deposits | 88.2606% | 2,610 |
| Total domestic deposits to total assets | 79.9357% | 5,844 |
| Equity capital to assets | 19.9025% | 266 |
| Core capital (leverage) ratio | 19.3299% | 253 |
| Tier 1 risk-based capital ratio | 26.0139% | 813 |
| Total risk-based capital ratio | 27.2831% | 794 |
| Memoranda: |
| Average total assets | $46,572,000 | 6,580 |
| Average earning assets | $44,073,670 | 6,506 |
| Average equity | $9,435,330 | 5,203 |
| Average total loans | $33,070,670 | 6,131 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1858% | 2,273 |
| Cost of funding earning assets | 0.6380% | 6,438 |
| Net interest margin | 4.5478% | 963 |
| Noninterest income to average assets | 0.1811% | 6,426 |
| Noninterest expense to average assets | 5.5198% | 255 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.0436% | 7,057 |
| Return on assets (ROA) | -1.0436% | 7,064 |
| Pretax return on assets | -1.0350% | 7,012 |
| Return on Equity (ROE) | -5.1055% | 6,813 |
| Retained earnings to average equity (ytd only) | -5.1055% | 6,525 |
| Net charge-offs to loans | 0.8861% | 1,493 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -1.6216% | 4,945 |
| Efficiency ratio | 123.0769% | 318 |
| Assets per employee ($millions) | 3.9825% | 3,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9388% | 968 |
| Loan loss allowance to noncurrent loans | 207.9060% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 3.7121% | 1,823 |
| Noncurrent loans to loans | 1.4135% | 4,354 |
| Net loans and leases to total assets | 67.2442% | 2,703 |
| Net loans and leases to deposits | 84.0003% | 2,026 |
| Net loans and leases to core deposits | 90.3128% | 2,313 |
| Total domestic deposits to total assets | 80.0523% | 5,933 |
| Equity capital to assets | 19.7238% | 268 |
| Core capital (leverage) ratio | 19.8434% | 240 |
| Tier 1 risk-based capital ratio | 24.9167% | 884 |
| Total risk-based capital ratio | 26.1829% | 868 |
| Memoranda: |
| Average total assets | $46,378,500 | 6,627 |
| Average earning assets | $43,889,000 | 6,564 |
| Average equity | $9,480,000 | 5,186 |
| Average total loans | $33,405,000 | 6,160 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5075% | 2,251 |
| Cost of funding earning assets | 0.8550% | 6,350 |
| Net interest margin | 4.6525% | 903 |
| Noninterest income to average assets | 0.1598% | 6,576 |
| Noninterest expense to average assets | 5.5661% | 289 |
| Loan and lease loss provision to assets | 1.5606% | 936 |
| Net operating income to assets | -2.4909% | 7,173 |
| Return on assets (ROA) | -2.4909% | 7,191 |
| Pretax return on assets | -2.4887% | 7,160 |
| Return on Equity (ROE) | -11.4556% | 6,792 |
| Retained earnings to average equity (ytd only) | -11.4556% | 6,737 |
| Net charge-offs to loans | 2.6192% | 699 |
| Credit loss provision to net charge-offs | 75.7705% | 5,704 |
| Earnings coverage of net charge-offs (x) | -0.4506% | 6,430 |
| Efficiency ratio | 120.0094% | 406 |
| Assets per employee ($millions) | 3.7473% | 4,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1067% | 795 |
| Loan loss allowance to noncurrent loans | 48.4498% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 6.0733% | 971 |
| Noncurrent loans to loans | 6.4123% | 946 |
| Net loans and leases to total assets | 72.6177% | 1,963 |
| Net loans and leases to deposits | 92.4257% | 1,218 |
| Net loans and leases to core deposits | 100.7497% | 1,556 |
| Total domestic deposits to total assets | 78.5687% | 6,199 |
| Equity capital to assets | 21.2022% | 199 |
| Core capital (leverage) ratio | 20.2124% | 227 |
| Tier 1 risk-based capital ratio | 25.5350% | 797 |
| Total risk-based capital ratio | 26.8045% | 772 |
| Memoranda: |
| Average total assets | $45,687,200 | 6,674 |
| Average earning assets | $43,976,600 | 6,579 |
| Average equity | $9,934,000 | 5,155 |
| Average total loans | $35,926,600 | 6,117 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5814% | 2,137 |
| Cost of funding earning assets | 0.9046% | 6,379 |
| Net interest margin | 4.6768% | 888 |
| Noninterest income to average assets | 0.1570% | 6,744 |
| Noninterest expense to average assets | 5.3661% | 293 |
| Loan and lease loss provision to assets | 2.0581% | 572 |
| Net operating income to assets | -2.7615% | 7,403 |
| Return on assets (ROA) | -2.7615% | 7,418 |
| Pretax return on assets | -2.7586% | 7,372 |
| Return on Equity (ROE) | -12.6235% | 7,036 |
| Retained earnings to average equity (ytd only) | -12.6235% | 6,997 |
| Net charge-offs to loans | 3.4536% | 401 |
| Credit loss provision to net charge-offs | 74.9206% | 5,287 |
| Earnings coverage of net charge-offs (x) | -0.2550% | 6,219 |
| Efficiency ratio | 115.0156% | 450 |
| Assets per employee ($millions) | 3.6039% | 4,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9248% | 879 |
| Loan loss allowance to noncurrent loans | 37.2043% | 5,864 |
| Noncurrent assets plus other real estate owned to assets | 5.9550% | 1,006 |
| Noncurrent loans to loans | 7.8614% | 668 |
| Net loans and leases to total assets | 73.5353% | 1,901 |
| Net loans and leases to deposits | 93.4976% | 1,262 |
| Net loans and leases to core deposits | 102.2709% | 1,629 |
| Total domestic deposits to total assets | 78.6493% | 6,104 |
| Equity capital to assets | 20.7509% | 246 |
| Core capital (leverage) ratio | 21.1238% | 203 |
| Tier 1 risk-based capital ratio | 24.9923% | 864 |
| Total risk-based capital ratio | 26.2596% | 847 |
| Memoranda: |
| Average total assets | $45,867,250 | 6,745 |
| Average earning assets | $44,217,500 | 6,648 |
| Average equity | $10,034,000 | 5,187 |
| Average total loans | $36,483,000 | 6,177 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7750% | 1,501 |
| Cost of funding earning assets | 0.9481% | 6,385 |
| Net interest margin | 4.8269% | 628 |
| Noninterest income to average assets | 0.1581% | 6,764 |
| Noninterest expense to average assets | 5.3800% | 291 |
| Loan and lease loss provision to assets | 2.8283% | 365 |
| Net operating income to assets | -3.4037% | 7,567 |
| Return on assets (ROA) | -3.4037% | 7,570 |
| Pretax return on assets | -3.3993% | 7,529 |
| Return on Equity (ROE) | -15.2890% | 7,154 |
| Retained earnings to average equity (ytd only) | -15.2890% | 7,112 |
| Net charge-offs to loans | 5.1774% | 190 |
| Credit loss provision to net charge-offs | 67.5761% | 5,031 |
| Earnings coverage of net charge-offs (x) | -0.1364% | 5,834 |
| Efficiency ratio | 111.8721% | 515 |
| Assets per employee ($millions) | 3.5298% | 4,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7903% | 1,006 |
| Loan loss allowance to noncurrent loans | 51.8240% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 4.0622% | 1,687 |
| Noncurrent loans to loans | 5.3842% | 1,233 |
| Net loans and leases to total assets | 73.3410% | 2,074 |
| Net loans and leases to deposits | 93.6029% | 1,327 |
| Net loans and leases to core deposits | 102.6068% | 1,773 |
| Total domestic deposits to total assets | 78.3533% | 6,189 |
| Equity capital to assets | 21.5529% | 222 |
| Core capital (leverage) ratio | 21.4888% | 193 |
| Tier 1 risk-based capital ratio | 26.1453% | 758 |
| Total risk-based capital ratio | 27.4116% | 749 |
| Memoranda: |
| Average total assets | $45,539,330 | 6,804 |
| Average earning assets | $43,879,000 | 6,703 |
| Average equity | $10,138,000 | 5,162 |
| Average total loans | $36,814,000 | 6,203 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8871% | 1,227 |
| Cost of funding earning assets | 0.9812% | 6,456 |
| Net interest margin | 4.9060% | 512 |
| Noninterest income to average assets | 0.1411% | 6,967 |
| Noninterest expense to average assets | 5.8547% | 234 |
| Loan and lease loss provision to assets | 4.7966% | 168 |
| Net operating income to assets | -5.8018% | 7,813 |
| Return on assets (ROA) | -5.8018% | 7,816 |
| Pretax return on assets | -5.7929% | 7,798 |
| Return on Equity (ROE) | -25.6480% | 7,507 |
| Retained earnings to average equity (ytd only) | -25.6480% | 7,468 |
| Net charge-offs to loans | 10.7515% | 43 |
| Credit loss provision to net charge-offs | 53.3857% | 4,429 |
| Earnings coverage of net charge-offs (x) | -0.1109% | 5,110 |
| Efficiency ratio | 120.5082% | 438 |
| Assets per employee ($millions) | 3.7694% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0991% | 1,958 |
| Loan loss allowance to noncurrent loans | 28.0603% | 6,527 |
| Noncurrent assets plus other real estate owned to assets | 6.3029% | 923 |
| Noncurrent loans to loans | 7.4808% | 769 |
| Net loans and leases to total assets | 82.4862% | 534 |
| Net loans and leases to deposits | 108.9786% | 317 |
| Net loans and leases to core deposits | 116.7867% | 915 |
| Total domestic deposits to total assets | 75.6903% | 6,804 |
| Equity capital to assets | 22.0237% | 206 |
| Core capital (leverage) ratio | 21.5241% | 199 |
| Tier 1 risk-based capital ratio | 24.5781% | 911 |
| Total risk-based capital ratio | 25.8364% | 887 |
| Memoranda: |
| Average total assets | $45,365,500 | 6,898 |
| Average earning assets | $43,620,500 | 6,792 |
| Average equity | $10,262,000 | 5,160 |
| Average total loans | $37,911,000 | 6,215 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9483% | 2,053 |
| Cost of funding earning assets | 1.3884% | 5,980 |
| Net interest margin | 4.5599% | 1,059 |
| Noninterest income to average assets | 0.1856% | 6,762 |
| Noninterest expense to average assets | 5.5685% | 377 |
| Loan and lease loss provision to assets | 3.7802% | 382 |
| Net operating income to assets | -4.7717% | 7,711 |
| Return on assets (ROA) | -4.7717% | 7,711 |
| Pretax return on assets | -4.7694% | 7,670 |
| Return on Equity (ROE) | -18.2082% | 7,088 |
| Retained earnings to average equity (ytd only) | -18.2082% | 7,043 |
| Net charge-offs to loans | 2.2084% | 1,078 |
| Credit loss provision to net charge-offs | 216.8831% | 1,753 |
| Earnings coverage of net charge-offs (x) | -0.5675% | 6,735 |
| Efficiency ratio | 121.6016% | 584 |
| Assets per employee ($millions) | 3.2499% | 5,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3810% | 583 |
| Loan loss allowance to noncurrent loans | 1,062.5000% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 6,792 |
| Noncurrent loans to loans | 0.3182% | 6,642 |
| Net loans and leases to total assets | 80.0826% | 982 |
| Net loans and leases to deposits | 107.5125% | 483 |
| Net loans and leases to core deposits | 174.7781% | 200 |
| Total domestic deposits to total assets | 74.4868% | 6,949 |
| Equity capital to assets | 23.2142% | 201 |
| Core capital (leverage) ratio | 22.2963% | 203 |
| Tier 1 risk-based capital ratio | 25.7315% | 783 |
| Total risk-based capital ratio | 27.0056% | 771 |
| Memoranda: |
| Average total assets | $44,177,400 | 6,938 |
| Average earning assets | $42,567,000 | 6,837 |
| Average equity | $11,577,200 | 4,851 |
| Average total loans | $34,866,200 | 6,361 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8363% | 2,719 |
| Cost of funding earning assets | 1.4283% | 6,128 |
| Net interest margin | 4.4080% | 1,421 |
| Noninterest income to average assets | 0.1855% | 6,892 |
| Noninterest expense to average assets | 5.6315% | 357 |
| Loan and lease loss provision to assets | 3.6672% | 353 |
| Net operating income to assets | -4.8653% | 7,829 |
| Return on assets (ROA) | -4.8653% | 7,826 |
| Pretax return on assets | -4.8622% | 7,793 |
| Return on Equity (ROE) | -18.0313% | 7,307 |
| Retained earnings to average equity (ytd only) | -18.0313% | 7,272 |
| Net charge-offs to loans | 3.0097% | 552 |
| Credit loss provision to net charge-offs | 156.4202% | 3,045 |
| Earnings coverage of net charge-offs (x) | -0.5097% | 6,477 |
| Efficiency ratio | 126.9363% | 508 |
| Assets per employee ($millions) | 3.5175% | 4,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1298% | 1,545 |
| Loan loss allowance to noncurrent loans | 525.9740% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.3368% | 6,640 |
| Noncurrent loans to loans | 0.4049% | 6,530 |
| Net loans and leases to total assets | 81.3983% | 916 |
| Net loans and leases to deposits | 110.6878% | 437 |
| Net loans and leases to core deposits | 186.6931% | 148 |
| Total domestic deposits to total assets | 73.5386% | 7,019 |
| Equity capital to assets | 24.0842% | 196 |
| Core capital (leverage) ratio | 24.2252% | 184 |
| Tier 1 risk-based capital ratio | 26.3255% | 798 |
| Total risk-based capital ratio | 27.5852% | 779 |
| Memoranda: |
| Average total assets | $43,847,250 | 7,005 |
| Average earning assets | $42,285,750 | 6,897 |
| Average equity | $11,831,000 | 4,837 |
| Average total loans | $34,155,000 | 6,439 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7244% | 3,410 |
| Cost of funding earning assets | 1.4960% | 6,155 |
| Net interest margin | 4.2284% | 1,882 |
| Noninterest income to average assets | 0.1527% | 7,179 |
| Noninterest expense to average assets | 5.5668% | 369 |
| Loan and lease loss provision to assets | 3.0680% | 489 |
| Net operating income to assets | -4.4192% | 7,886 |
| Return on assets (ROA) | -4.4192% | 7,885 |
| Pretax return on assets | -4.4146% | 7,798 |
| Return on Equity (ROE) | -15.7803% | 7,368 |
| Retained earnings to average equity (ytd only) | -15.7803% | 7,282 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.9079% | 508 |
| Assets per employee ($millions) | 3.4688% | 4,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9451% | 595 |
| Loan loss allowance to noncurrent loans | 104.0080% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 2.2131% | 2,926 |
| Noncurrent loans to loans | 2.8316% | 2,545 |
| Net loans and leases to total assets | 75.8554% | 2,215 |
| Net loans and leases to deposits | 105.6326% | 788 |
| Net loans and leases to core deposits | 168.8651% | 330 |
| Total domestic deposits to total assets | 71.8106% | 7,263 |
| Equity capital to assets | 25.7190% | 186 |
| Core capital (leverage) ratio | 25.5930% | 194 |
| Tier 1 risk-based capital ratio | 29.7103% | 618 |
| Total risk-based capital ratio | 30.9783% | 605 |
| Memoranda: |
| Average total assets | $43,220,670 | 7,088 |
| Average earning assets | $41,576,330 | 6,992 |
| Average equity | $12,103,670 | 4,784 |
| Average total loans | $32,863,000 | 6,562 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6016% | 4,345 |
| Cost of funding earning assets | 1.5483% | 6,241 |
| Net interest margin | 4.0533% | 2,443 |
| Noninterest income to average assets | 0.1987% | 6,872 |
| Noninterest expense to average assets | 5.5814% | 349 |
| Loan and lease loss provision to assets | 0.5676% | 2,217 |
| Net operating income to assets | -2.0623% | 7,675 |
| Return on assets (ROA) | -2.0623% | 7,670 |
| Pretax return on assets | -2.0623% | 7,548 |
| Return on Equity (ROE) | -7.0570% | 7,151 |
| Retained earnings to average equity (ytd only) | -7.0570% | 6,798 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.5741% | 442 |
| Assets per employee ($millions) | 3.1350% | 5,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2993% | 4,086 |
| Loan loss allowance to noncurrent loans | 312.9496% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.3167% | 6,562 |
| Noncurrent loans to loans | 0.4152% | 6,382 |
| Net loans and leases to total assets | 75.2882% | 2,431 |
| Net loans and leases to deposits | 104.7918% | 958 |
| Net loans and leases to core deposits | 171.8178% | 316 |
| Total domestic deposits to total assets | 71.8455% | 7,233 |
| Equity capital to assets | 27.9722% | 173 |
| Core capital (leverage) ratio | 28.8057% | 168 |
| Tier 1 risk-based capital ratio | 32.0515% | 530 |
| Total risk-based capital ratio | 33.2080% | 521 |
| Memoranda: |
| Average total assets | $42,283,500 | 7,153 |
| Average earning assets | $40,560,000 | 7,077 |
| Average equity | $12,356,500 | 4,736 |
| Average total loans | $31,672,000 | 6,668 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9986% | 7,835 |
| Cost of funding earning assets | 1.2535% | 7,887 |
| Net interest margin | 3.7451% | 4,248 |
| Noninterest income to average assets | 0.1870% | 7,109 |
| Noninterest expense to average assets | 9.1765% | 165 |
| Loan and lease loss provision to assets | 1.3088% | 1,082 |
| Net operating income to assets | -6.7641% | 8,183 |
| Return on assets (ROA) | -6.7568% | 8,179 |
| Pretax return on assets | -6.7531% | 8,147 |
| Return on Equity (ROE) | -13.9343% | 7,538 |
| Retained earnings to average equity (ytd only) | -13.9343% | 7,396 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 246.3583% | 146 |
| Assets per employee ($millions) | 3.1290% | 5,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2557% | 4,081 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 72.4980% | 3,483 |
| Net loans and leases to deposits | 116.7366% | 493 |
| Net loans and leases to core deposits | 167.4522% | 450 |
| Total domestic deposits to total assets | 62.1039% | 7,882 |
| Equity capital to assets | 30.5726% | 168 |
| Core capital (leverage) ratio | 37.4996% | 122 |
| Tier 1 risk-based capital ratio | 36.6487% | 405 |
| Total risk-based capital ratio | 37.7744% | 403 |
| Memoranda: |
| Average total assets | $27,276,200 | 7,754 |
| Average earning assets | $25,767,000 | 7,703 |
| Average equity | $13,226,400 | 4,514 |
| Average total loans | $13,647,200 | 7,725 |
