| 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 | 4.8301% | 1,951 |
| Cost of funding earning assets | 0.4583% | 4,244 |
| Net interest margin | 4.3718% | 946 |
| Noninterest income to average assets | 0.5394% | 2,533 |
| Noninterest expense to average assets | 3.6014% | 850 |
| Loan and lease loss provision to assets | 1.4763% | 60 |
| Net operating income to assets | -0.3504% | 5,038 |
| Return on assets (ROA) | -0.3504% | 5,045 |
| Pretax return on assets | -0.5369% | 5,055 |
| Return on Equity (ROE) | -2.8495% | 5,044 |
| Retained earnings to average equity (ytd only) | -33.2390% | 5,163 |
| Net charge-offs to loans | 2.0158% | 56 |
| Credit loss provision to net charge-offs | 102.1286% | 2,426 |
| Earnings coverage of net charge-offs (x) | 0.6499% | 3,598 |
| Efficiency ratio | 79.3113% | 1,001 |
| Assets per employee ($millions) | 6.4685% | 1,305 |
| Cash dividends to net income (ytd only)* | -1,066.4875% | 5,177 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0000% | 5,123 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 0.2115% | 3,619 |
| Noncurrent loans to loans | 0.3073% | 3,339 |
| Net loans and leases to total assets | 62.5307% | 3,353 |
| Net loans and leases to deposits | 76.5951% | 3,121 |
| Net loans and leases to core deposits | 81.4468% | 3,186 |
| Total domestic deposits to total assets | 81.6380% | 3,604 |
| Equity capital to assets | 16.6139% | 513 |
| Core capital (leverage) ratio | 16.0777% | 507 |
| Tier 1 risk-based capital ratio | 20.4952% | 1,251 |
| Total risk-based capital ratio | 20.4952% | 1,434 |
| Memoranda: |
| Average total assets | $159,244,400 | 3,207 |
| Average earning assets | $145,752,000 | 3,212 |
| Average equity | $19,582,400 | 3,170 |
| Average total loans | $114,200,200 | 3,021 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0549% | 1,403 |
| Cost of funding earning assets | 0.4348% | 4,384 |
| Net interest margin | 4.6201% | 591 |
| Noninterest income to average assets | 0.5957% | 2,223 |
| Noninterest expense to average assets | 3.6927% | 757 |
| Loan and lease loss provision to assets | 2.0384% | 42 |
| Net operating income to assets | -0.5150% | 5,140 |
| Return on assets (ROA) | -0.5150% | 5,148 |
| Pretax return on assets | -0.8696% | 5,163 |
| Return on Equity (ROE) | -4.6710% | 5,155 |
| Retained earnings to average equity (ytd only) | -51.4675% | 5,244 |
| Net charge-offs to loans | 2.6809% | 39 |
| Credit loss provision to net charge-offs | 102.1730% | 2,211 |
| Earnings coverage of net charge-offs (x) | 0.5858% | 3,354 |
| Efficiency ratio | 75.9586% | 1,337 |
| Assets per employee ($millions) | 5.6038% | 1,933 |
| Cash dividends to net income (ytd only)* | -1,001.8523% | 5,255 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1766% | 2,627 |
| Loan loss allowance to noncurrent loans | 297.5169% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 3,281 |
| Noncurrent loans to loans | 0.3955% | 3,128 |
| Net loans and leases to total assets | 73.1664% | 1,969 |
| Net loans and leases to deposits | 83.4267% | 2,516 |
| Net loans and leases to core deposits | 89.0003% | 2,637 |
| Total domestic deposits to total assets | 87.7015% | 1,163 |
| Equity capital to assets | 7.9357% | 5,145 |
| Core capital (leverage) ratio | 7.6540% | 5,172 |
| Tier 1 risk-based capital ratio | 9.4722% | 5,236 |
| Total risk-based capital ratio | 10.5420% | 5,238 |
| Memoranda: |
| Average total assets | $153,775,750 | 3,287 |
| Average earning assets | $141,984,250 | 3,287 |
| Average equity | $16,955,250 | 3,462 |
| Average total loans | $114,436,500 | 3,053 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0828% | 1,265 |
| Cost of funding earning assets | 0.4351% | 4,372 |
| Net interest margin | 4.6476% | 555 |
| Noninterest income to average assets | 0.4101% | 3,211 |
| Noninterest expense to average assets | 2.5860% | 3,222 |
| Loan and lease loss provision to assets | 0.1035% | 1,811 |
| Net operating income to assets | 1.5304% | 1,063 |
| Return on assets (ROA) | 1.5304% | 1,112 |
| Pretax return on assets | 2.0039% | 674 |
| Return on Equity (ROE) | 12.7172% | 1,331 |
| Retained earnings to average equity (ytd only) | 0.5160% | 4,566 |
| Net charge-offs to loans | 0.1111% | 1,304 |
| Credit loss provision to net charge-offs | 125.0000% | 1,685 |
| Earnings coverage of net charge-offs (x) | 25.4531% | 1,596 |
| Efficiency ratio | 55.0992% | 4,357 |
| Assets per employee ($millions) | 5.2732% | 2,176 |
| Cash dividends to net income (ytd only)* | 95.9425% | 496 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0974% | 3,085 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 4,088 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 75.6745% | 1,599 |
| Net loans and leases to deposits | 86.5549% | 2,193 |
| Net loans and leases to core deposits | 94.5851% | 2,195 |
| Total domestic deposits to total assets | 87.4295% | 1,373 |
| Equity capital to assets | 12.1513% | 2,075 |
| Core capital (leverage) ratio | 12.0158% | 1,818 |
| Tier 1 risk-based capital ratio | 14.5484% | 3,043 |
| Total risk-based capital ratio | 15.5712% | 3,071 |
| Memoranda: |
| Average total assets | $154,600,000 | 3,294 |
| Average earning assets | $142,481,670 | 3,302 |
| Average equity | $18,604,670 | 3,289 |
| Average total loans | $115,241,670 | 3,046 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0168% | 1,297 |
| Cost of funding earning assets | 0.4087% | 4,448 |
| Net interest margin | 4.6081% | 603 |
| Noninterest income to average assets | 0.3757% | 3,345 |
| Noninterest expense to average assets | 2.6377% | 3,094 |
| Loan and lease loss provision to assets | 0.1287% | 1,357 |
| Net operating income to assets | 1.4102% | 1,349 |
| Return on assets (ROA) | 1.4102% | 1,374 |
| Pretax return on assets | 1.8451% | 882 |
| Return on Equity (ROE) | 11.7748% | 1,626 |
| Retained earnings to average equity (ytd only) | 9.3038% | 1,225 |
| Net charge-offs to loans | 0.0070% | 2,444 |
| Credit loss provision to net charge-offs | 2,500.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 383.5000% | 202 |
| Efficiency ratio | 57.1987% | 4,187 |
| Assets per employee ($millions) | 5.0568% | 2,451 |
| Cash dividends to net income (ytd only)* | 20.9854% | 2,443 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1259% | 2,987 |
| Loan loss allowance to noncurrent loans | 651.4851% | 841 |
| Noncurrent assets plus other real estate owned to assets | 1.6526% | 673 |
| Noncurrent loans to loans | 0.1728% | 3,975 |
| Net loans and leases to total assets | 76.1811% | 1,450 |
| Net loans and leases to deposits | 87.3703% | 1,950 |
| Net loans and leases to core deposits | 95.0395% | 2,022 |
| Total domestic deposits to total assets | 87.1934% | 1,720 |
| Equity capital to assets | 12.4500% | 1,768 |
| Core capital (leverage) ratio | 12.2165% | 1,649 |
| Tier 1 risk-based capital ratio | 14.6660% | 3,026 |
| Total risk-based capital ratio | 15.7008% | 3,050 |
| Memoranda: |
| Average total assets | $155,439,000 | 3,335 |
| Average earning assets | $142,878,500 | 3,335 |
| Average equity | $18,616,000 | 3,301 |
| Average total loans | $114,359,000 | 3,092 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8696% | 1,368 |
| Cost of funding earning assets | 0.3341% | 4,383 |
| Net interest margin | 4.5356% | 716 |
| Noninterest income to average assets | 0.3897% | 3,498 |
| Noninterest expense to average assets | 2.5175% | 3,562 |
| Loan and lease loss provision to assets | 0.0779% | 2,566 |
| Net operating income to assets | 1.5380% | 1,027 |
| Return on assets (ROA) | 1.5380% | 1,018 |
| Pretax return on assets | 2.0095% | 556 |
| Return on Equity (ROE) | 13.0507% | 1,328 |
| Retained earnings to average equity (ytd only) | 4.6019% | 2,996 |
| Net charge-offs to loans | 0.2943% | 661 |
| Credit loss provision to net charge-offs | 36.1446% | 3,309 |
| Earnings coverage of net charge-offs (x) | 9.6807% | 2,792 |
| Efficiency ratio | 54.6685% | 4,561 |
| Assets per employee ($millions) | 5.3058% | 2,146 |
| Cash dividends to net income (ytd only)* | 64.7382% | 1,293 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1338% | 2,909 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9851% | 1,388 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 69.4613% | 2,660 |
| Net loans and leases to deposits | 78.7214% | 3,073 |
| Net loans and leases to core deposits | 84.5706% | 3,028 |
| Total domestic deposits to total assets | 88.2368% | 1,190 |
| Equity capital to assets | 11.5251% | 2,239 |
| Core capital (leverage) ratio | 11.8755% | 1,816 |
| Tier 1 risk-based capital ratio | 14.7908% | 2,926 |
| Total risk-based capital ratio | 15.8207% | 2,948 |
| Memoranda: |
| Average total assets | $153,965,000 | 3,346 |
| Average earning assets | $143,091,000 | 3,330 |
| Average equity | $18,144,600 | 3,282 |
| Average total loans | $112,794,000 | 3,096 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8746% | 1,224 |
| Cost of funding earning assets | 0.3195% | 4,383 |
| Net interest margin | 4.5550% | 661 |
| Noninterest income to average assets | 0.4192% | 3,359 |
| Noninterest expense to average assets | 2.5913% | 3,308 |
| Loan and lease loss provision to assets | 0.0786% | 2,380 |
| Net operating income to assets | 1.5310% | 1,117 |
| Return on assets (ROA) | 1.5310% | 1,119 |
| Pretax return on assets | 1.9948% | 628 |
| Return on Equity (ROE) | 12.9170% | 1,466 |
| Retained earnings to average equity (ytd only) | 8.9012% | 1,257 |
| Net charge-offs to loans | 0.3668% | 445 |
| Credit loss provision to net charge-offs | 28.9389% | 2,970 |
| Earnings coverage of net charge-offs (x) | 7.6334% | 2,788 |
| Efficiency ratio | 55.5514% | 4,441 |
| Assets per employee ($millions) | 5.2308% | 2,195 |
| Cash dividends to net income (ytd only)* | 31.0897% | 2,487 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1460% | 2,930 |
| Loan loss allowance to noncurrent loans | 2,063.9344% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.9809% | 1,485 |
| Noncurrent loans to loans | 0.0555% | 4,641 |
| Net loans and leases to total assets | 71.5920% | 2,396 |
| Net loans and leases to deposits | 81.9227% | 2,827 |
| Net loans and leases to core deposits | 88.1902% | 2,836 |
| Total domestic deposits to total assets | 87.3897% | 1,552 |
| Equity capital to assets | 12.2814% | 1,715 |
| Core capital (leverage) ratio | 12.3933% | 1,559 |
| Tier 1 risk-based capital ratio | 15.4552% | 2,669 |
| Total risk-based capital ratio | 16.5071% | 2,682 |
| Memoranda: |
| Average total assets | $152,662,500 | 3,387 |
| Average earning assets | $142,285,750 | 3,366 |
| Average equity | $18,094,500 | 3,305 |
| Average total loans | $113,034,250 | 3,122 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7252% | 1,438 |
| Cost of funding earning assets | 0.3021% | 4,400 |
| Net interest margin | 4.4231% | 808 |
| Noninterest income to average assets | 0.3948% | 3,523 |
| Noninterest expense to average assets | 2.5375% | 3,521 |
| Loan and lease loss provision to assets | 0.0784% | 2,337 |
| Net operating income to assets | 1.4681% | 1,232 |
| Return on assets (ROA) | 1.4681% | 1,233 |
| Pretax return on assets | 1.9126% | 748 |
| Return on Equity (ROE) | 12.5363% | 1,534 |
| Retained earnings to average equity (ytd only) | 6.4523% | 2,331 |
| Net charge-offs to loans | 0.0245% | 2,371 |
| Credit loss provision to net charge-offs | 428.5714% | 779 |
| Earnings coverage of net charge-offs (x) | 108.7857% | 659 |
| Efficiency ratio | 56.0335% | 4,471 |
| Assets per employee ($millions) | 5.0200% | 2,392 |
| Cash dividends to net income (ytd only)* | 48.5307% | 1,737 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3223% | 2,064 |
| Loan loss allowance to noncurrent loans | 133.7423% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.9130% | 1,650 |
| Noncurrent loans to loans | 0.9887% | 1,769 |
| Net loans and leases to total assets | 75.6184% | 1,694 |
| Net loans and leases to deposits | 86.3069% | 2,280 |
| Net loans and leases to core deposits | 93.0386% | 2,305 |
| Total domestic deposits to total assets | 87.6156% | 1,580 |
| Equity capital to assets | 11.9973% | 1,858 |
| Core capital (leverage) ratio | 11.9691% | 1,734 |
| Tier 1 risk-based capital ratio | 14.9794% | 2,885 |
| Total risk-based capital ratio | 16.2290% | 2,809 |
| Memoranda: |
| Average total assets | $152,985,670 | 3,398 |
| Average earning assets | $142,977,330 | 3,378 |
| Average equity | $17,916,000 | 3,339 |
| Average total loans | $114,092,670 | 3,108 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5864% | 1,614 |
| Cost of funding earning assets | 0.2748% | 4,546 |
| Net interest margin | 4.3115% | 931 |
| Noninterest income to average assets | 0.3399% | 3,877 |
| Noninterest expense to average assets | 2.4725% | 3,739 |
| Loan and lease loss provision to assets | 0.0778% | 2,215 |
| Net operating income to assets | 1.3984% | 1,350 |
| Return on assets (ROA) | 1.3984% | 1,355 |
| Pretax return on assets | 1.8187% | 877 |
| Return on Equity (ROE) | 12.0852% | 1,553 |
| Retained earnings to average equity (ytd only) | 11.8610% | 708 |
| Net charge-offs to loans | 0.0035% | 2,612 |
| Credit loss provision to net charge-offs | 3,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 731.0000% | 88 |
| Efficiency ratio | 56.5914% | 4,507 |
| Assets per employee ($millions) | 5.3723% | 2,069 |
| Cash dividends to net income (ytd only)* | 1.8553% | 2,733 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3278% | 2,111 |
| Loan loss allowance to noncurrent loans | 146.9328% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.8383% | 1,889 |
| Noncurrent loans to loans | 0.9037% | 2,012 |
| Net loans and leases to total assets | 74.5471% | 1,780 |
| Net loans and leases to deposits | 84.9361% | 2,295 |
| Net loans and leases to core deposits | 91.4567% | 2,336 |
| Total domestic deposits to total assets | 87.7685% | 1,746 |
| Equity capital to assets | 11.9942% | 1,793 |
| Core capital (leverage) ratio | 11.7334% | 1,825 |
| Tier 1 risk-based capital ratio | 14.7901% | 2,984 |
| Total risk-based capital ratio | 16.0365% | 2,906 |
| Memoranda: |
| Average total assets | $154,178,000 | 3,424 |
| Average earning assets | $144,079,000 | 3,405 |
| Average equity | $17,840,000 | 3,378 |
| Average total loans | $113,435,000 | 3,137 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5736% | 1,509 |
| Cost of funding earning assets | 0.2901% | 4,224 |
| Net interest margin | 4.2835% | 999 |
| Noninterest income to average assets | 0.3123% | 4,226 |
| Noninterest expense to average assets | 2.4380% | 3,969 |
| Loan and lease loss provision to assets | 0.1614% | 1,385 |
| Net operating income to assets | 1.0787% | 1,942 |
| Return on assets (ROA) | 1.0787% | 1,962 |
| Pretax return on assets | 1.6829% | 1,049 |
| Return on Equity (ROE) | 9.4314% | 2,125 |
| Retained earnings to average equity (ytd only) | 5.0988% | 2,065 |
| Net charge-offs to loans | 0.3392% | 753 |
| Credit loss provision to net charge-offs | 65.6836% | 3,153 |
| Earnings coverage of net charge-offs (x) | 7.5040% | 3,029 |
| Efficiency ratio | 56.9318% | 4,665 |
| Assets per employee ($millions) | 5.4460% | 1,988 |
| Cash dividends to net income (ytd only)* | 45.9377% | 2,533 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3080% | 2,177 |
| Loan loss allowance to noncurrent loans | 149.8988% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.7737% | 2,015 |
| Noncurrent loans to loans | 0.8726% | 2,043 |
| Net loans and leases to total assets | 70.7541% | 2,405 |
| Net loans and leases to deposits | 79.9079% | 2,930 |
| Net loans and leases to core deposits | 85.9701% | 2,910 |
| Total domestic deposits to total assets | 88.5445% | 1,225 |
| Equity capital to assets | 11.1680% | 2,467 |
| Core capital (leverage) ratio | 11.2906% | 2,100 |
| Tier 1 risk-based capital ratio | 14.4033% | 3,137 |
| Total risk-based capital ratio | 15.6282% | 3,066 |
| Memoranda: |
| Average total assets | $151,763,600 | 3,450 |
| Average earning assets | $140,655,800 | 3,443 |
| Average equity | $17,357,000 | 3,454 |
| Average total loans | $109,958,000 | 3,182 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6021% | 1,364 |
| Cost of funding earning assets | 0.2931% | 4,197 |
| Net interest margin | 4.3091% | 904 |
| Noninterest income to average assets | 0.4083% | 3,629 |
| Noninterest expense to average assets | 2.5863% | 3,449 |
| Loan and lease loss provision to assets | 0.1908% | 1,014 |
| Net operating income to assets | 1.1210% | 1,989 |
| Return on assets (ROA) | 1.1210% | 2,055 |
| Pretax return on assets | 1.6242% | 1,333 |
| Return on Equity (ROE) | 9.7413% | 2,237 |
| Retained earnings to average equity (ytd only) | 7.8054% | 1,297 |
| Net charge-offs to loans | 0.4520% | 460 |
| Credit loss provision to net charge-offs | 58.1081% | 2,829 |
| Earnings coverage of net charge-offs (x) | 5.5270% | 3,095 |
| Efficiency ratio | 58.7618% | 4,394 |
| Assets per employee ($millions) | 5.1720% | 2,259 |
| Cash dividends to net income (ytd only)* | 19.8734% | 3,144 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2918% | 2,396 |
| Loan loss allowance to noncurrent loans | 139.7115% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.8727% | 1,969 |
| Noncurrent loans to loans | 0.9246% | 2,076 |
| Net loans and leases to total assets | 74.0248% | 1,913 |
| Net loans and leases to deposits | 84.4835% | 2,494 |
| Net loans and leases to core deposits | 91.0305% | 2,524 |
| Total domestic deposits to total assets | 87.6204% | 1,567 |
| Equity capital to assets | 11.8762% | 2,049 |
| Core capital (leverage) ratio | 11.6947% | 1,892 |
| Tier 1 risk-based capital ratio | 14.7133% | 3,058 |
| Total risk-based capital ratio | 15.9319% | 3,002 |
| Memoranda: |
| Average total assets | $150,221,250 | 3,500 |
| Average earning assets | $139,207,000 | 3,494 |
| Average equity | $17,286,750 | 3,494 |
| Average total loans | $109,141,250 | 3,221 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5347% | 1,426 |
| Cost of funding earning assets | 0.2929% | 4,152 |
| Net interest margin | 4.2419% | 990 |
| Noninterest income to average assets | 0.3619% | 3,968 |
| Noninterest expense to average assets | 2.5336% | 3,637 |
| Loan and lease loss provision to assets | 0.0798% | 2,388 |
| Net operating income to assets | 1.1457% | 1,799 |
| Return on assets (ROA) | 1.1457% | 1,851 |
| Pretax return on assets | 1.6607% | 1,160 |
| Return on Equity (ROE) | 10.0635% | 2,012 |
| Retained earnings to average equity (ytd only) | 7.1298% | 1,525 |
| Net charge-offs to loans | -0.0296% | 4,948 |
| Credit loss provision to net charge-offs | -375.0000% | 4,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2777% | 4,429 |
| Assets per employee ($millions) | 4.6415% | 2,876 |
| Cash dividends to net income (ytd only)* | 29.1521% | 2,805 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5241% | 1,505 |
| Loan loss allowance to noncurrent loans | 90.9287% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.4280% | 1,098 |
| Noncurrent loans to loans | 1.6762% | 1,089 |
| Net loans and leases to total assets | 73.2574% | 1,994 |
| Net loans and leases to deposits | 83.3125% | 2,567 |
| Net loans and leases to core deposits | 89.3362% | 2,585 |
| Total domestic deposits to total assets | 87.9308% | 1,490 |
| Equity capital to assets | 11.7265% | 2,132 |
| Core capital (leverage) ratio | 11.6899% | 1,836 |
| Tier 1 risk-based capital ratio | 14.2911% | 3,269 |
| Total risk-based capital ratio | 15.5424% | 3,192 |
| Memoranda: |
| Average total assets | $150,298,670 | 3,515 |
| Average earning assets | $138,618,670 | 3,515 |
| Average equity | $17,111,330 | 3,520 |
| Average total loans | $108,027,670 | 3,249 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4491% | 1,501 |
| Cost of funding earning assets | 0.2918% | 4,128 |
| Net interest margin | 4.1573% | 1,074 |
| Noninterest income to average assets | 0.3492% | 4,048 |
| Noninterest expense to average assets | 2.5188% | 3,751 |
| Loan and lease loss provision to assets | 0.0794% | 2,222 |
| Net operating income to assets | 1.0874% | 1,923 |
| Return on assets (ROA) | 1.0874% | 1,967 |
| Pretax return on assets | 1.5584% | 1,347 |
| Return on Equity (ROE) | 9.6943% | 2,105 |
| Retained earnings to average equity (ytd only) | 9.6943% | 886 |
| Net charge-offs to loans | -0.0225% | 4,803 |
| Credit loss provision to net charge-offs | -500.0000% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5983% | 4,386 |
| Assets per employee ($millions) | 4.9017% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5424% | 1,535 |
| Loan loss allowance to noncurrent loans | 134.3137% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 1.0275% | 1,769 |
| Noncurrent loans to loans | 1.1483% | 1,775 |
| Net loans and leases to total assets | 71.3669% | 2,159 |
| Net loans and leases to deposits | 81.0386% | 2,618 |
| Net loans and leases to core deposits | 86.8039% | 2,657 |
| Total domestic deposits to total assets | 88.0653% | 1,683 |
| Equity capital to assets | 11.6906% | 2,045 |
| Core capital (leverage) ratio | 11.3548% | 2,056 |
| Tier 1 risk-based capital ratio | 13.6113% | 3,712 |
| Total risk-based capital ratio | 14.8620% | 3,624 |
| Memoranda: |
| Average total assets | $151,184,500 | 3,542 |
| Average earning assets | $138,455,000 | 3,546 |
| Average equity | $16,958,500 | 3,554 |
| Average total loans | $106,796,000 | 3,290 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5078% | 1,510 |
| Cost of funding earning assets | 0.3286% | 3,763 |
| Net interest margin | 4.1792% | 1,170 |
| Noninterest income to average assets | 0.4016% | 3,876 |
| Noninterest expense to average assets | 2.6271% | 3,598 |
| Loan and lease loss provision to assets | 0.3879% | 409 |
| Net operating income to assets | 0.8965% | 2,845 |
| Return on assets (ROA) | 0.9004% | 2,941 |
| Pretax return on assets | 1.2346% | 2,532 |
| Return on Equity (ROE) | 7.9104% | 2,991 |
| Retained earnings to average equity (ytd only) | 4.5382% | 2,670 |
| Net charge-offs to loans | 0.4695% | 530 |
| Credit loss provision to net charge-offs | 119.4969% | 2,222 |
| Earnings coverage of net charge-offs (x) | 4.9811% | 3,413 |
| Efficiency ratio | 61.8987% | 4,273 |
| Assets per employee ($millions) | 5.1773% | 2,207 |
| Cash dividends to net income (ytd only)* | 42.6304% | 2,737 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5028% | 1,653 |
| Loan loss allowance to noncurrent loans | 130.7317% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 1.0565% | 1,786 |
| Noncurrent loans to loans | 1.1495% | 1,786 |
| Net loans and leases to total assets | 67.8571% | 2,793 |
| Net loans and leases to deposits | 76.9891% | 3,204 |
| Net loans and leases to core deposits | 82.7419% | 3,150 |
| Total domestic deposits to total assets | 88.1386% | 1,569 |
| Equity capital to assets | 10.7688% | 2,849 |
| Core capital (leverage) ratio | 11.2225% | 2,148 |
| Tier 1 risk-based capital ratio | 13.8867% | 3,526 |
| Total risk-based capital ratio | 15.1372% | 3,443 |
| Memoranda: |
| Average total assets | $146,928,200 | 3,564 |
| Average earning assets | $135,098,800 | 3,571 |
| Average equity | $16,724,800 | 3,588 |
| Average total loans | $101,600,000 | 3,358 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5251% | 1,464 |
| Cost of funding earning assets | 0.3357% | 3,703 |
| Net interest margin | 4.1894% | 1,146 |
| Noninterest income to average assets | 0.4207% | 3,769 |
| Noninterest expense to average assets | 2.5546% | 3,810 |
| Loan and lease loss provision to assets | 0.1013% | 2,221 |
| Net operating income to assets | 1.1456% | 1,825 |
| Return on assets (ROA) | 1.1507% | 1,904 |
| Pretax return on assets | 1.6442% | 1,268 |
| Return on Equity (ROE) | 9.9652% | 2,066 |
| Retained earnings to average equity (ytd only) | 8.4664% | 989 |
| Net charge-offs to loans | 0.0505% | 2,650 |
| Credit loss provision to net charge-offs | 289.4737% | 1,066 |
| Earnings coverage of net charge-offs (x) | 49.6797% | 1,079 |
| Efficiency ratio | 59.5110% | 4,613 |
| Assets per employee ($millions) | 4.6386% | 2,859 |
| Cash dividends to net income (ytd only)* | 15.0399% | 3,414 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5079% | 1,737 |
| Loan loss allowance to noncurrent loans | 163.4398% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 1.2775% | 1,513 |
| Noncurrent loans to loans | 0.9226% | 2,400 |
| Net loans and leases to total assets | 72.0870% | 2,178 |
| Net loans and leases to deposits | 82.3881% | 2,682 |
| Net loans and leases to core deposits | 88.0197% | 2,760 |
| Total domestic deposits to total assets | 87.4970% | 1,665 |
| Equity capital to assets | 11.9940% | 2,121 |
| Core capital (leverage) ratio | 11.5234% | 2,008 |
| Tier 1 risk-based capital ratio | 14.1550% | 3,477 |
| Total risk-based capital ratio | 15.4071% | 3,404 |
| Memoranda: |
| Average total assets | $144,830,500 | 3,609 |
| Average earning assets | $133,857,000 | 3,608 |
| Average equity | $16,724,500 | 3,619 |
| Average total loans | $100,249,250 | 3,390 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4897% | 1,547 |
| Cost of funding earning assets | 0.3385% | 3,713 |
| Net interest margin | 4.1512% | 1,221 |
| Noninterest income to average assets | 0.3871% | 3,975 |
| Noninterest expense to average assets | 2.5004% | 4,026 |
| Loan and lease loss provision to assets | 0.0827% | 2,482 |
| Net operating income to assets | 1.1476% | 1,782 |
| Return on assets (ROA) | 1.1476% | 1,901 |
| Pretax return on assets | 1.6394% | 1,258 |
| Return on Equity (ROE) | 10.0663% | 2,018 |
| Retained earnings to average equity (ytd only) | 7.7944% | 1,247 |
| Net charge-offs to loans | 0.0020% | 3,639 |
| Credit loss provision to net charge-offs | 6,000.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 1,250.0000% | 34 |
| Efficiency ratio | 59.2170% | 4,743 |
| Assets per employee ($millions) | 4.7226% | 2,668 |
| Cash dividends to net income (ytd only)* | 22.5690% | 3,104 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5247% | 1,777 |
| Loan loss allowance to noncurrent loans | 341.4317% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.9592% | 2,229 |
| Noncurrent loans to loans | 0.4466% | 3,766 |
| Net loans and leases to total assets | 71.7523% | 2,214 |
| Net loans and leases to deposits | 81.8002% | 2,731 |
| Net loans and leases to core deposits | 87.4402% | 2,783 |
| Total domestic deposits to total assets | 87.7166% | 1,564 |
| Equity capital to assets | 11.9220% | 2,176 |
| Core capital (leverage) ratio | 11.1980% | 2,238 |
| Tier 1 risk-based capital ratio | 13.9424% | 3,635 |
| Total risk-based capital ratio | 15.1946% | 3,555 |
| Memoranda: |
| Average total assets | $145,175,000 | 3,627 |
| Average earning assets | $134,129,000 | 3,625 |
| Average equity | $16,550,330 | 3,654 |
| Average total loans | $98,583,670 | 3,430 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3501% | 1,963 |
| Cost of funding earning assets | 0.3453% | 3,653 |
| Net interest margin | 4.0048% | 1,597 |
| Noninterest income to average assets | 0.2940% | 4,619 |
| Noninterest expense to average assets | 2.3359% | 4,561 |
| Loan and lease loss provision to assets | 0.0817% | 2,318 |
| Net operating income to assets | 1.1081% | 1,869 |
| Return on assets (ROA) | 1.1081% | 1,974 |
| Pretax return on assets | 1.5709% | 1,371 |
| Return on Equity (ROE) | 9.9389% | 2,008 |
| Retained earnings to average equity (ytd only) | 9.9389% | 857 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5666% | 4,937 |
| Assets per employee ($millions) | 5.3538% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5529% | 1,778 |
| Loan loss allowance to noncurrent loans | 325.7384% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.9879% | 2,236 |
| Noncurrent loans to loans | 0.4767% | 3,754 |
| Net loans and leases to total assets | 67.7143% | 2,688 |
| Net loans and leases to deposits | 77.9808% | 3,008 |
| Net loans and leases to core deposits | 83.2912% | 3,007 |
| Total domestic deposits to total assets | 86.8346% | 2,283 |
| Equity capital to assets | 11.4878% | 2,451 |
| Core capital (leverage) ratio | 10.9760% | 2,428 |
| Tier 1 risk-based capital ratio | 13.7334% | 3,845 |
| Total risk-based capital ratio | 14.9854% | 3,781 |
| Memoranda: |
| Average total assets | $146,923,000 | 3,623 |
| Average earning assets | $135,536,000 | 3,624 |
| Average equity | $16,380,000 | 3,679 |
| Average total loans | $96,259,500 | 3,489 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4901% | 1,628 |
| Cost of funding earning assets | 0.3804% | 3,362 |
| Net interest margin | 4.1097% | 1,391 |
| Noninterest income to average assets | 0.3295% | 4,544 |
| Noninterest expense to average assets | 2.3352% | 4,694 |
| Loan and lease loss provision to assets | 0.0840% | 2,613 |
| Net operating income to assets | 1.1887% | 1,592 |
| Return on assets (ROA) | 1.1718% | 1,734 |
| Pretax return on assets | 1.6580% | 1,087 |
| Return on Equity (ROE) | 10.6320% | 1,740 |
| Retained earnings to average equity (ytd only) | 7.0520% | 1,259 |
| Net charge-offs to loans | 0.1370% | 1,986 |
| Credit loss provision to net charge-offs | 95.2381% | 2,650 |
| Earnings coverage of net charge-offs (x) | 20.0317% | 1,904 |
| Efficiency ratio | 56.9430% | 5,259 |
| Assets per employee ($millions) | 5.5294% | 1,766 |
| Cash dividends to net income (ytd only)* | 33.6716% | 3,164 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6274% | 1,535 |
| Loan loss allowance to noncurrent loans | 587.2093% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.8292% | 2,594 |
| Noncurrent loans to loans | 0.2771% | 4,466 |
| Net loans and leases to total assets | 61.3405% | 3,643 |
| Net loans and leases to deposits | 68.9669% | 4,030 |
| Net loans and leases to core deposits | 74.3012% | 3,910 |
| Total domestic deposits to total assets | 88.9419% | 1,145 |
| Equity capital to assets | 10.8203% | 3,006 |
| Core capital (leverage) ratio | 10.8092% | 2,594 |
| Tier 1 risk-based capital ratio | 14.5413% | 3,423 |
| Total risk-based capital ratio | 15.7941% | 3,335 |
| Memoranda: |
| Average total assets | $142,940,600 | 3,677 |
| Average earning assets | $131,176,200 | 3,675 |
| Average equity | $15,754,400 | 3,720 |
| Average total loans | $91,946,400 | 3,549 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5144% | 1,552 |
| Cost of funding earning assets | 0.3883% | 3,348 |
| Net interest margin | 4.1261% | 1,331 |
| Noninterest income to average assets | 0.4528% | 3,692 |
| Noninterest expense to average assets | 2.4034% | 4,503 |
| Loan and lease loss provision to assets | 0.0849% | 2,467 |
| Net operating income to assets | 1.2319% | 1,549 |
| Return on assets (ROA) | 1.2319% | 1,606 |
| Pretax return on assets | 1.7535% | 986 |
| Return on Equity (ROE) | 11.1233% | 1,659 |
| Retained earnings to average equity (ytd only) | 9.5221% | 734 |
| Net charge-offs to loans | 0.0305% | 3,317 |
| Credit loss provision to net charge-offs | 428.5714% | 718 |
| Earnings coverage of net charge-offs (x) | 92.8071% | 663 |
| Efficiency ratio | 56.6600% | 5,261 |
| Assets per employee ($millions) | 5.2031% | 2,064 |
| Cash dividends to net income (ytd only)* | 14.3951% | 3,444 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6693% | 1,555 |
| Loan loss allowance to noncurrent loans | 420.6349% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 1.4265% | 1,600 |
| Noncurrent loans to loans | 0.3969% | 4,191 |
| Net loans and leases to total assets | 66.6676% | 2,903 |
| Net loans and leases to deposits | 75.7855% | 3,327 |
| Net loans and leases to core deposits | 81.3752% | 3,316 |
| Total domestic deposits to total assets | 87.9688% | 1,579 |
| Equity capital to assets | 11.5535% | 2,459 |
| Core capital (leverage) ratio | 10.8276% | 2,676 |
| Tier 1 risk-based capital ratio | 13.9220% | 3,891 |
| Total risk-based capital ratio | 15.1769% | 3,829 |
| Memoranda: |
| Average total assets | $141,352,500 | 3,729 |
| Average earning assets | $129,803,500 | 3,734 |
| Average equity | $15,654,500 | 3,770 |
| Average total loans | $91,660,000 | 3,589 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4304% | 1,745 |
| Cost of funding earning assets | 0.3877% | 3,396 |
| Net interest margin | 4.0427% | 1,515 |
| Noninterest income to average assets | 0.4434% | 3,757 |
| Noninterest expense to average assets | 2.3792% | 4,622 |
| Loan and lease loss provision to assets | 0.0847% | 2,423 |
| Net operating income to assets | 1.1804% | 1,665 |
| Return on assets (ROA) | 1.1804% | 1,734 |
| Pretax return on assets | 1.6902% | 1,100 |
| Return on Equity (ROE) | 10.8134% | 1,743 |
| Retained earnings to average equity (ytd only) | 8.3817% | 1,125 |
| Net charge-offs to loans | 0.0398% | 2,884 |
| Credit loss provision to net charge-offs | 333.3333% | 861 |
| Earnings coverage of net charge-offs (x) | 69.8333% | 775 |
| Efficiency ratio | 57.2740% | 5,309 |
| Assets per employee ($millions) | 5.0745% | 2,174 |
| Cash dividends to net income (ytd only)* | 22.4880% | 3,110 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6193% | 1,848 |
| Loan loss allowance to noncurrent loans | 413.4921% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 1.4752% | 1,679 |
| Noncurrent loans to loans | 0.3916% | 4,305 |
| Net loans and leases to total assets | 66.8318% | 2,811 |
| Net loans and leases to deposits | 75.5055% | 3,314 |
| Net loans and leases to core deposits | 80.7267% | 3,302 |
| Total domestic deposits to total assets | 88.5125% | 1,407 |
| Equity capital to assets | 11.0701% | 2,820 |
| Core capital (leverage) ratio | 10.5192% | 2,932 |
| Tier 1 risk-based capital ratio | 13.9527% | 3,959 |
| Total risk-based capital ratio | 15.2085% | 3,888 |
| Memoranda: |
| Average total assets | $141,641,670 | 3,756 |
| Average earning assets | $130,011,670 | 3,756 |
| Average equity | $15,462,330 | 3,820 |
| Average total loans | $90,464,000 | 3,624 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3873% | 1,813 |
| Cost of funding earning assets | 0.3904% | 3,407 |
| Net interest margin | 3.9969% | 1,565 |
| Noninterest income to average assets | 0.5911% | 2,693 |
| Noninterest expense to average assets | 2.5909% | 3,973 |
| Loan and lease loss provision to assets | 0.0849% | 2,276 |
| Net operating income to assets | 1.0380% | 2,087 |
| Return on assets (ROA) | 1.0380% | 2,237 |
| Pretax return on assets | 1.5641% | 1,360 |
| Return on Equity (ROE) | 9.5766% | 2,186 |
| Retained earnings to average equity (ytd only) | 9.5766% | 1,024 |
| Net charge-offs to loans | 0.0823% | 1,885 |
| Credit loss provision to net charge-offs | 166.6667% | 1,169 |
| Earnings coverage of net charge-offs (x) | 32.3889% | 1,100 |
| Efficiency ratio | 61.1074% | 4,946 |
| Assets per employee ($millions) | 4.7820% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7173% | 1,690 |
| Loan loss allowance to noncurrent loans | 846.9613% | 630 |
| Noncurrent assets plus other real estate owned to assets | 1.4956% | 1,754 |
| Noncurrent loans to loans | 0.2028% | 5,049 |
| Net loans and leases to total assets | 63.2643% | 3,196 |
| Net loans and leases to deposits | 71.5913% | 3,576 |
| Net loans and leases to core deposits | 76.9763% | 3,493 |
| Total domestic deposits to total assets | 88.3687% | 1,615 |
| Equity capital to assets | 11.2059% | 2,748 |
| Core capital (leverage) ratio | 10.2990% | 3,216 |
| Tier 1 risk-based capital ratio | 13.5812% | 4,283 |
| Total risk-based capital ratio | 14.8307% | 4,200 |
| Memoranda: |
| Average total assets | $141,420,000 | 3,790 |
| Average earning assets | $129,099,500 | 3,804 |
| Average equity | $15,329,000 | 3,867 |
| Average total loans | $87,435,500 | 3,716 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5242% | 1,776 |
| Cost of funding earning assets | 0.4289% | 3,393 |
| Net interest margin | 4.0953% | 1,592 |
| Noninterest income to average assets | 0.3011% | 4,963 |
| Noninterest expense to average assets | 2.4446% | 4,718 |
| Loan and lease loss provision to assets | 0.1369% | 1,923 |
| Net operating income to assets | 1.0049% | 2,357 |
| Return on assets (ROA) | 1.0069% | 2,434 |
| Pretax return on assets | 1.4153% | 1,828 |
| Return on Equity (ROE) | 9.5960% | 2,301 |
| Retained earnings to average equity (ytd only) | 7.0151% | 1,406 |
| Net charge-offs to loans | 0.0810% | 3,335 |
| Credit loss provision to net charge-offs | 279.4118% | 911 |
| Earnings coverage of net charge-offs (x) | 31.6324% | 1,284 |
| Efficiency ratio | 61.2083% | 5,040 |
| Assets per employee ($millions) | 5.1487% | 2,125 |
| Cash dividends to net income (ytd only)* | 26.8956% | 3,513 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7768% | 1,580 |
| Loan loss allowance to noncurrent loans | 780.0000% | 746 |
| Noncurrent assets plus other real estate owned to assets | 2.1934% | 1,113 |
| Noncurrent loans to loans | 0.2278% | 5,007 |
| Net loans and leases to total assets | 58.3256% | 4,013 |
| Net loans and leases to deposits | 65.4590% | 4,381 |
| Net loans and leases to core deposits | 68.8068% | 4,426 |
| Total domestic deposits to total assets | 89.1026% | 1,178 |
| Equity capital to assets | 10.4867% | 3,501 |
| Core capital (leverage) ratio | 10.5515% | 2,899 |
| Tier 1 risk-based capital ratio | 15.4575% | 3,243 |
| Total risk-based capital ratio | 16.7122% | 3,182 |
| Memoranda: |
| Average total assets | $138,835,400 | 3,826 |
| Average earning assets | $125,192,200 | 3,860 |
| Average equity | $14,568,600 | 3,920 |
| Average total loans | $83,942,200 | 3,768 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5626% | 1,664 |
| Cost of funding earning assets | 0.4367% | 3,398 |
| Net interest margin | 4.1259% | 1,502 |
| Noninterest income to average assets | 0.3006% | 5,045 |
| Noninterest expense to average assets | 2.3795% | 4,886 |
| Loan and lease loss provision to assets | 0.1551% | 1,602 |
| Net operating income to assets | 1.0590% | 2,201 |
| Return on assets (ROA) | 1.0618% | 2,256 |
| Pretax return on assets | 1.4894% | 1,676 |
| Return on Equity (ROE) | 10.1167% | 2,161 |
| Retained earnings to average equity (ytd only) | 8.9618% | 1,019 |
| Net charge-offs to loans | 0.1038% | 2,758 |
| Credit loss provision to net charge-offs | 246.1538% | 1,070 |
| Earnings coverage of net charge-offs (x) | 26.0321% | 1,494 |
| Efficiency ratio | 59.1896% | 5,288 |
| Assets per employee ($millions) | 4.8429% | 2,456 |
| Cash dividends to net income (ytd only)* | 11.4154% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7351% | 1,869 |
| Loan loss allowance to noncurrent loans | 1,358.1818% | 430 |
| Noncurrent assets plus other real estate owned to assets | 2.3813% | 1,138 |
| Noncurrent loans to loans | 0.1277% | 5,539 |
| Net loans and leases to total assets | 62.3985% | 3,428 |
| Net loans and leases to deposits | 70.6091% | 3,845 |
| Net loans and leases to core deposits | 74.1712% | 3,927 |
| Total domestic deposits to total assets | 88.3718% | 1,568 |
| Equity capital to assets | 11.1268% | 2,837 |
| Core capital (leverage) ratio | 10.6365% | 2,879 |
| Tier 1 risk-based capital ratio | 15.5529% | 3,283 |
| Total risk-based capital ratio | 16.8070% | 3,220 |
| Memoranda: |
| Average total assets | $137,503,500 | 3,873 |
| Average earning assets | $123,961,250 | 3,913 |
| Average equity | $14,431,250 | 3,973 |
| Average total loans | $83,526,500 | 3,805 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4677% | 1,937 |
| Cost of funding earning assets | 0.4384% | 3,456 |
| Net interest margin | 4.0292% | 1,728 |
| Noninterest income to average assets | 0.2360% | 5,509 |
| Noninterest expense to average assets | 2.3773% | 4,947 |
| Loan and lease loss provision to assets | 0.1593% | 1,563 |
| Net operating income to assets | 0.9715% | 2,448 |
| Return on assets (ROA) | 0.9715% | 2,529 |
| Pretax return on assets | 1.3320% | 2,141 |
| Return on Equity (ROE) | 9.4425% | 2,396 |
| Retained earnings to average equity (ytd only) | 7.6835% | 1,443 |
| Net charge-offs to loans | 0.0484% | 3,283 |
| Credit loss provision to net charge-offs | 550.0000% | 543 |
| Earnings coverage of net charge-offs (x) | 51.5000% | 894 |
| Efficiency ratio | 61.4521% | 5,080 |
| Assets per employee ($millions) | 4.9388% | 2,292 |
| Cash dividends to net income (ytd only)* | 18.6289% | 3,228 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6777% | 2,194 |
| Loan loss allowance to noncurrent loans | 535.6115% | 867 |
| Noncurrent assets plus other real estate owned to assets | 2.4580% | 1,162 |
| Noncurrent loans to loans | 0.3132% | 5,076 |
| Net loans and leases to total assets | 63.1045% | 3,224 |
| Net loans and leases to deposits | 70.9054% | 3,710 |
| Net loans and leases to core deposits | 74.3134% | 3,804 |
| Total domestic deposits to total assets | 88.9981% | 1,350 |
| Equity capital to assets | 10.6071% | 3,304 |
| Core capital (leverage) ratio | 10.3892% | 3,093 |
| Tier 1 risk-based capital ratio | 14.6364% | 3,845 |
| Total risk-based capital ratio | 15.8900% | 3,793 |
| Memoranda: |
| Average total assets | $138,137,670 | 3,885 |
| Average earning assets | $124,539,330 | 3,920 |
| Average equity | $14,212,330 | 4,007 |
| Average total loans | $82,666,330 | 3,841 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3647% | 2,282 |
| Cost of funding earning assets | 0.4471% | 3,462 |
| Net interest margin | 3.9176% | 2,026 |
| Noninterest income to average assets | 0.3766% | 4,378 |
| Noninterest expense to average assets | 2.3728% | 5,001 |
| Loan and lease loss provision to assets | 0.1449% | 1,686 |
| Net operating income to assets | 1.0053% | 2,193 |
| Return on assets (ROA) | 1.0053% | 2,253 |
| Pretax return on assets | 1.3878% | 1,797 |
| Return on Equity (ROE) | 9.9253% | 2,067 |
| Retained earnings to average equity (ytd only) | 9.9253% | 983 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7567% | 5,301 |
| Assets per employee ($millions) | 5.0788% | 2,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8120% | 1,999 |
| Loan loss allowance to noncurrent loans | 225.7009% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 2.7070% | 1,127 |
| Noncurrent loans to loans | 0.8028% | 3,867 |
| Net loans and leases to total assets | 57.2589% | 3,957 |
| Net loans and leases to deposits | 64.1975% | 4,293 |
| Net loans and leases to core deposits | 67.5302% | 4,355 |
| Total domestic deposits to total assets | 89.1918% | 1,535 |
| Equity capital to assets | 10.4173% | 3,337 |
| Core capital (leverage) ratio | 9.9933% | 3,585 |
| Tier 1 risk-based capital ratio | 15.6182% | 3,370 |
| Total risk-based capital ratio | 16.8308% | 3,359 |
| Memoranda: |
| Average total assets | $138,064,000 | 3,918 |
| Average earning assets | $124,362,500 | 3,955 |
| Average equity | $13,984,500 | 4,048 |
| Average total loans | $79,623,000 | 3,945 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6747% | 1,639 |
| Cost of funding earning assets | 0.4866% | 3,748 |
| Net interest margin | 4.1881% | 1,389 |
| Noninterest income to average assets | 0.3972% | 4,467 |
| Noninterest expense to average assets | 2.4498% | 4,929 |
| Loan and lease loss provision to assets | 0.3414% | 937 |
| Net operating income to assets | 0.9830% | 2,399 |
| Return on assets (ROA) | 0.9830% | 2,473 |
| Pretax return on assets | 1.3780% | 1,870 |
| Return on Equity (ROE) | 9.8899% | 2,156 |
| Retained earnings to average equity (ytd only) | 7.8071% | 1,119 |
| Net charge-offs to loans | 0.5916% | 1,116 |
| Credit loss provision to net charge-offs | 95.2869% | 2,628 |
| Earnings coverage of net charge-offs (x) | 4.7992% | 3,449 |
| Efficiency ratio | 58.5666% | 5,668 |
| Assets per employee ($millions) | 5.1481% | 2,016 |
| Cash dividends to net income (ytd only)* | 21.0605% | 3,674 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7647% | 2,173 |
| Loan loss allowance to noncurrent loans | 168.3514% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 2.8324% | 1,139 |
| Noncurrent loans to loans | 1.0482% | 3,414 |
| Net loans and leases to total assets | 56.0288% | 4,315 |
| Net loans and leases to deposits | 62.3499% | 4,687 |
| Net loans and leases to core deposits | 65.6307% | 4,726 |
| Total domestic deposits to total assets | 89.8619% | 1,149 |
| Equity capital to assets | 9.8446% | 3,966 |
| Core capital (leverage) ratio | 10.0352% | 3,511 |
| Tier 1 risk-based capital ratio | 15.2177% | 3,533 |
| Total risk-based capital ratio | 16.4707% | 3,482 |
| Memoranda: |
| Average total assets | $136,216,200 | 3,950 |
| Average earning assets | $122,681,200 | 3,999 |
| Average equity | $13,539,000 | 4,160 |
| Average total loans | $82,488,000 | 3,866 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7379% | 1,503 |
| Cost of funding earning assets | 0.4941% | 3,830 |
| Net interest margin | 4.2438% | 1,212 |
| Noninterest income to average assets | 0.4939% | 3,855 |
| Noninterest expense to average assets | 2.4124% | 4,990 |
| Loan and lease loss provision to assets | 0.3099% | 1,090 |
| Net operating income to assets | 1.1314% | 1,876 |
| Return on assets (ROA) | 1.1314% | 1,951 |
| Pretax return on assets | 1.5997% | 1,339 |
| Return on Equity (ROE) | 11.3555% | 1,691 |
| Retained earnings to average equity (ytd only) | 10.4272% | 704 |
| Net charge-offs to loans | 0.3666% | 1,733 |
| Credit loss provision to net charge-offs | 137.5546% | 1,704 |
| Earnings coverage of net charge-offs (x) | 8.4759% | 2,619 |
| Efficiency ratio | 55.5657% | 5,965 |
| Assets per employee ($millions) | 4.9910% | 2,175 |
| Cash dividends to net income (ytd only)* | 8.1739% | 3,534 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8155% | 2,256 |
| Loan loss allowance to noncurrent loans | 160.0849% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 3.4603% | 988 |
| Noncurrent loans to loans | 1.1341% | 3,537 |
| Net loans and leases to total assets | 60.5196% | 3,614 |
| Net loans and leases to deposits | 67.7626% | 4,095 |
| Net loans and leases to core deposits | 71.7566% | 4,121 |
| Total domestic deposits to total assets | 89.3112% | 1,400 |
| Equity capital to assets | 10.2384% | 3,592 |
| Core capital (leverage) ratio | 10.1059% | 3,512 |
| Tier 1 risk-based capital ratio | 14.8674% | 3,836 |
| Total risk-based capital ratio | 16.1178% | 3,794 |
| Memoranda: |
| Average total assets | $135,520,250 | 4,002 |
| Average earning assets | $122,244,500 | 4,046 |
| Average equity | $13,502,750 | 4,214 |
| Average total loans | $83,290,250 | 3,877 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5206% | 2,117 |
| Cost of funding earning assets | 0.4956% | 3,941 |
| Net interest margin | 4.0250% | 1,777 |
| Noninterest income to average assets | 0.5450% | 3,540 |
| Noninterest expense to average assets | 2.3672% | 5,154 |
| Loan and lease loss provision to assets | 0.3241% | 1,075 |
| Net operating income to assets | 1.0621% | 2,070 |
| Return on assets (ROA) | 1.0621% | 2,186 |
| Pretax return on assets | 1.4907% | 1,641 |
| Return on Equity (ROE) | 10.7574% | 1,899 |
| Retained earnings to average equity (ytd only) | 9.3549% | 1,008 |
| Net charge-offs to loans | 0.3239% | 1,889 |
| Credit loss provision to net charge-offs | 162.9630% | 1,440 |
| Earnings coverage of net charge-offs (x) | 9.1259% | 2,322 |
| Efficiency ratio | 56.2170% | 5,940 |
| Assets per employee ($millions) | 4.9531% | 2,164 |
| Cash dividends to net income (ytd only)* | 13.0374% | 3,231 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7692% | 2,532 |
| Loan loss allowance to noncurrent loans | 51.7514% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 4.2607% | 788 |
| Noncurrent loans to loans | 3.4186% | 1,245 |
| Net loans and leases to total assets | 62.5675% | 3,188 |
| Net loans and leases to deposits | 69.7307% | 3,751 |
| Net loans and leases to core deposits | 73.8661% | 3,834 |
| Total domestic deposits to total assets | 89.7274% | 1,190 |
| Equity capital to assets | 9.9825% | 3,935 |
| Core capital (leverage) ratio | 9.9976% | 3,527 |
| Tier 1 risk-based capital ratio | 14.5636% | 4,059 |
| Total risk-based capital ratio | 15.8107% | 4,032 |
| Memoranda: |
| Average total assets | $135,774,330 | 4,029 |
| Average earning assets | $122,682,330 | 4,067 |
| Average equity | $13,404,670 | 4,260 |
| Average total loans | $83,366,000 | 3,886 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5277% | 2,077 |
| Cost of funding earning assets | 0.5031% | 4,052 |
| Net interest margin | 4.0246% | 1,696 |
| Noninterest income to average assets | 0.4766% | 3,945 |
| Noninterest expense to average assets | 2.3656% | 5,213 |
| Loan and lease loss provision to assets | 0.4386% | 659 |
| Net operating income to assets | 0.9386% | 2,475 |
| Return on assets (ROA) | 0.9386% | 2,619 |
| Pretax return on assets | 1.2983% | 2,239 |
| Return on Equity (ROE) | 9.5593% | 2,239 |
| Retained earnings to average equity (ytd only) | 9.5593% | 1,228 |
| Net charge-offs to loans | 0.4075% | 1,435 |
| Credit loss provision to net charge-offs | 178.5714% | 1,190 |
| Earnings coverage of net charge-offs (x) | 7.0714% | 2,121 |
| Efficiency ratio | 56.8781% | 5,978 |
| Assets per employee ($millions) | 5.0152% | 2,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7887% | 2,653 |
| Loan loss allowance to noncurrent loans | 48.6116% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 4.4051% | 851 |
| Noncurrent loans to loans | 3.6795% | 1,284 |
| Net loans and leases to total assets | 60.3370% | 3,369 |
| Net loans and leases to deposits | 67.2519% | 3,878 |
| Net loans and leases to core deposits | 71.7795% | 3,850 |
| Total domestic deposits to total assets | 89.7180% | 1,218 |
| Equity capital to assets | 10.0228% | 4,123 |
| Core capital (leverage) ratio | 9.5025% | 4,072 |
| Tier 1 risk-based capital ratio | 14.3718% | 4,256 |
| Total risk-based capital ratio | 15.6267% | 4,222 |
| Memoranda: |
| Average total assets | $136,794,500 | 4,046 |
| Average earning assets | $123,242,000 | 4,088 |
| Average equity | $13,432,000 | 4,299 |
| Average total loans | $82,458,500 | 3,939 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4914% | 3,432 |
| Cost of funding earning assets | 0.5665% | 4,675 |
| Net interest margin | 3.9249% | 2,721 |
| Noninterest income to average assets | 0.5951% | 3,307 |
| Noninterest expense to average assets | 2.5306% | 4,990 |
| Loan and lease loss provision to assets | 0.4959% | 1,211 |
| Net operating income to assets | 0.8024% | 3,277 |
| Return on assets (ROA) | 0.8285% | 3,400 |
| Pretax return on assets | 1.1299% | 3,053 |
| Return on Equity (ROE) | 8.4665% | 2,887 |
| Retained earnings to average equity (ytd only) | 7.7337% | 1,221 |
| Net charge-offs to loans | 0.6527% | 1,799 |
| Credit loss provision to net charge-offs | 124.2830% | 2,289 |
| Earnings coverage of net charge-offs (x) | 3.9847% | 3,525 |
| Efficiency ratio | 60.6184% | 5,445 |
| Assets per employee ($millions) | 5.1177% | 2,074 |
| Cash dividends to net income (ytd only)* | 8.6556% | 4,104 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7400% | 2,788 |
| Loan loss allowance to noncurrent loans | 39.8654% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 4.7077% | 861 |
| Noncurrent loans to loans | 4.3646% | 999 |
| Net loans and leases to total assets | 58.1163% | 3,960 |
| Net loans and leases to deposits | 64.5100% | 4,477 |
| Net loans and leases to core deposits | 68.6817% | 4,461 |
| Total domestic deposits to total assets | 90.0889% | 906 |
| Equity capital to assets | 9.6195% | 4,709 |
| Core capital (leverage) ratio | 9.5291% | 4,066 |
| Tier 1 risk-based capital ratio | 13.9016% | 4,448 |
| Total risk-based capital ratio | 15.1553% | 4,410 |
| Memoranda: |
| Average total assets | $131,076,000 | 4,123 |
| Average earning assets | $117,735,800 | 4,168 |
| Average equity | $12,827,000 | 4,397 |
| Average total loans | $80,134,800 | 4,036 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5248% | 3,537 |
| Cost of funding earning assets | 0.5838% | 4,800 |
| Net interest margin | 3.9410% | 2,746 |
| Noninterest income to average assets | 0.5939% | 3,318 |
| Noninterest expense to average assets | 2.5222% | 5,010 |
| Loan and lease loss provision to assets | 0.5156% | 1,177 |
| Net operating income to assets | 0.8040% | 3,432 |
| Return on assets (ROA) | 0.8394% | 3,511 |
| Pretax return on assets | 1.1549% | 3,144 |
| Return on Equity (ROE) | 8.5385% | 3,027 |
| Retained earnings to average equity (ytd only) | 8.5385% | 1,399 |
| Net charge-offs to loans | 0.7391% | 1,497 |
| Credit loss provision to net charge-offs | 113.1222% | 2,582 |
| Earnings coverage of net charge-offs (x) | 3.5588% | 3,594 |
| Efficiency ratio | 60.0647% | 5,485 |
| Assets per employee ($millions) | 4.7623% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6791% | 3,214 |
| Loan loss allowance to noncurrent loans | 32.7128% | 6,004 |
| Noncurrent assets plus other real estate owned to assets | 5.6252% | 748 |
| Noncurrent loans to loans | 5.1329% | 874 |
| Net loans and leases to total assets | 61.6156% | 3,460 |
| Net loans and leases to deposits | 68.8562% | 4,047 |
| Net loans and leases to core deposits | 73.4765% | 4,053 |
| Total domestic deposits to total assets | 89.4844% | 1,139 |
| Equity capital to assets | 10.2441% | 4,146 |
| Core capital (leverage) ratio | 9.6423% | 4,055 |
| Tier 1 risk-based capital ratio | 13.9744% | 4,546 |
| Total risk-based capital ratio | 15.2273% | 4,491 |
| Memoranda: |
| Average total assets | $129,300,500 | 4,202 |
| Average earning assets | $116,481,500 | 4,235 |
| Average equity | $12,710,750 | 4,461 |
| Average total loans | $79,737,000 | 4,087 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4946% | 3,794 |
| Cost of funding earning assets | 0.5993% | 4,909 |
| Net interest margin | 3.8953% | 2,923 |
| Noninterest income to average assets | 0.4724% | 4,114 |
| Noninterest expense to average assets | 2.4054% | 5,439 |
| Loan and lease loss provision to assets | 0.5404% | 1,145 |
| Net operating income to assets | 0.7793% | 3,471 |
| Return on assets (ROA) | 0.8106% | 3,609 |
| Pretax return on assets | 1.0807% | 3,374 |
| Return on Equity (ROE) | 8.3619% | 3,086 |
| Retained earnings to average equity (ytd only) | 8.3619% | 1,493 |
| Net charge-offs to loans | 0.7954% | 1,384 |
| Credit loss provision to net charge-offs | 110.7595% | 2,454 |
| Earnings coverage of net charge-offs (x) | 3.2373% | 3,446 |
| Efficiency ratio | 59.5118% | 5,656 |
| Assets per employee ($millions) | 4.7445% | 2,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6526% | 3,422 |
| Loan loss allowance to noncurrent loans | 32.5735% | 6,036 |
| Noncurrent assets plus other real estate owned to assets | 5.6119% | 784 |
| Noncurrent loans to loans | 5.0733% | 960 |
| Net loans and leases to total assets | 61.7414% | 3,492 |
| Net loans and leases to deposits | 68.7768% | 4,077 |
| Net loans and leases to core deposits | 72.7410% | 4,207 |
| Total domestic deposits to total assets | 89.7707% | 1,060 |
| Equity capital to assets | 10.0225% | 4,301 |
| Core capital (leverage) ratio | 9.2837% | 4,476 |
| Tier 1 risk-based capital ratio | 13.5658% | 4,772 |
| Total risk-based capital ratio | 14.8157% | 4,736 |
| Memoranda: |
| Average total assets | $129,540,330 | 4,220 |
| Average earning assets | $116,806,000 | 4,244 |
| Average equity | $12,557,000 | 4,488 |
| Average total loans | $79,456,330 | 4,119 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4686% | 4,036 |
| Cost of funding earning assets | 0.6223% | 4,948 |
| Net interest margin | 3.8462% | 3,151 |
| Noninterest income to average assets | 0.5190% | 3,783 |
| Noninterest expense to average assets | 2.4720% | 5,241 |
| Loan and lease loss provision to assets | 0.4606% | 1,338 |
| Net operating income to assets | 0.8030% | 3,361 |
| Return on assets (ROA) | 0.8660% | 3,304 |
| Pretax return on assets | 1.1423% | 3,153 |
| Return on Equity (ROE) | 9.0851% | 2,787 |
| Retained earnings to average equity (ytd only) | 9.0851% | 1,558 |
| Net charge-offs to loans | 0.3090% | 2,421 |
| Credit loss provision to net charge-offs | 245.9016% | 1,161 |
| Earnings coverage of net charge-offs (x) | 8.1148% | 1,998 |
| Efficiency ratio | 61.0769% | 5,442 |
| Assets per employee ($millions) | 4.7594% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7427% | 3,186 |
| Loan loss allowance to noncurrent loans | 21.5845% | 6,505 |
| Noncurrent assets plus other real estate owned to assets | 6.7344% | 653 |
| Noncurrent loans to loans | 8.0740% | 478 |
| Net loans and leases to total assets | 60.7226% | 3,506 |
| Net loans and leases to deposits | 67.4728% | 4,151 |
| Net loans and leases to core deposits | 72.1307% | 4,133 |
| Total domestic deposits to total assets | 89.9956% | 1,089 |
| Equity capital to assets | 9.7701% | 4,422 |
| Core capital (leverage) ratio | 8.8401% | 5,081 |
| Tier 1 risk-based capital ratio | 13.4243% | 4,884 |
| Total risk-based capital ratio | 14.6790% | 4,869 |
| Memoranda: |
| Average total assets | $130,259,500 | 4,226 |
| Average earning assets | $117,622,000 | 4,258 |
| Average equity | $12,416,000 | 4,522 |
| Average total loans | $78,974,000 | 4,153 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8424% | 3,613 |
| Cost of funding earning assets | 0.8141% | 4,756 |
| Net interest margin | 4.0283% | 2,739 |
| Noninterest income to average assets | 0.5728% | 3,346 |
| Noninterest expense to average assets | 2.7234% | 4,650 |
| Loan and lease loss provision to assets | 0.7339% | 1,384 |
| Net operating income to assets | 0.6079% | 3,959 |
| Return on assets (ROA) | 0.6079% | 4,143 |
| Pretax return on assets | 0.7546% | 4,136 |
| Return on Equity (ROE) | 6.5130% | 3,635 |
| Retained earnings to average equity (ytd only) | 6.2481% | 1,880 |
| Net charge-offs to loans | 0.5218% | 2,905 |
| Credit loss provision to net charge-offs | 221.6867% | 1,096 |
| Earnings coverage of net charge-offs (x) | 4.4964% | 3,093 |
| Efficiency ratio | 63.8447% | 5,153 |
| Assets per employee ($millions) | 4.8894% | 2,333 |
| Cash dividends to net income (ytd only)* | 4.0682% | 4,003 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6490% | 3,383 |
| Loan loss allowance to noncurrent loans | 21.8898% | 6,553 |
| Noncurrent assets plus other real estate owned to assets | 5.8304% | 859 |
| Noncurrent loans to loans | 7.5331% | 554 |
| Net loans and leases to total assets | 58.5070% | 4,283 |
| Net loans and leases to deposits | 64.6332% | 4,917 |
| Net loans and leases to core deposits | 67.8026% | 5,052 |
| Total domestic deposits to total assets | 90.5215% | 706 |
| Equity capital to assets | 9.2997% | 5,150 |
| Core capital (leverage) ratio | 8.6905% | 5,270 |
| Tier 1 risk-based capital ratio | 13.2296% | 4,889 |
| Total risk-based capital ratio | 14.4838% | 4,867 |
| Memoranda: |
| Average total assets | $125,358,200 | 4,264 |
| Average earning assets | $113,250,000 | 4,302 |
| Average equity | $11,699,600 | 4,616 |
| Average total loans | $79,533,400 | 4,154 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9052% | 3,529 |
| Cost of funding earning assets | 0.8547% | 4,738 |
| Net interest margin | 4.0505% | 2,690 |
| Noninterest income to average assets | 0.5346% | 3,622 |
| Noninterest expense to average assets | 2.7594% | 4,498 |
| Loan and lease loss provision to assets | 0.7330% | 1,308 |
| Net operating income to assets | 0.5713% | 4,210 |
| Return on assets (ROA) | 0.5713% | 4,393 |
| Pretax return on assets | 0.7049% | 4,457 |
| Return on Equity (ROE) | 6.1154% | 3,968 |
| Retained earnings to average equity (ytd only) | 6.1154% | 2,483 |
| Net charge-offs to loans | 0.2941% | 3,619 |
| Credit loss provision to net charge-offs | 386.3636% | 731 |
| Earnings coverage of net charge-offs (x) | 7.5796% | 2,335 |
| Efficiency ratio | 64.9204% | 4,910 |
| Assets per employee ($millions) | 4.6610% | 2,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6443% | 3,466 |
| Loan loss allowance to noncurrent loans | 22.4926% | 6,603 |
| Noncurrent assets plus other real estate owned to assets | 5.9882% | 891 |
| Noncurrent loans to loans | 7.3106% | 658 |
| Net loans and leases to total assets | 61.5028% | 3,849 |
| Net loans and leases to deposits | 68.3673% | 4,545 |
| Net loans and leases to core deposits | 71.7165% | 4,749 |
| Total domestic deposits to total assets | 89.9593% | 890 |
| Equity capital to assets | 9.5766% | 4,968 |
| Core capital (leverage) ratio | 8.7500% | 5,337 |
| Tier 1 risk-based capital ratio | 12.9313% | 5,145 |
| Total risk-based capital ratio | 14.1853% | 5,126 |
| Memoranda: |
| Average total assets | $123,694,000 | 4,324 |
| Average earning assets | $111,851,500 | 4,365 |
| Average equity | $11,555,250 | 4,677 |
| Average total loans | $79,783,500 | 4,179 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8991% | 3,625 |
| Cost of funding earning assets | 0.8901% | 4,757 |
| Net interest margin | 4.0090% | 2,794 |
| Noninterest income to average assets | 0.5286% | 3,639 |
| Noninterest expense to average assets | 2.8054% | 4,410 |
| Loan and lease loss provision to assets | 0.9921% | 880 |
| Net operating income to assets | 0.3464% | 5,186 |
| Return on assets (ROA) | 0.3464% | 5,322 |
| Pretax return on assets | 0.3497% | 5,546 |
| Return on Equity (ROE) | 3.7402% | 5,046 |
| Retained earnings to average equity (ytd only) | 3.7402% | 3,835 |
| Net charge-offs to loans | 0.5016% | 2,598 |
| Credit loss provision to net charge-offs | 303.4826% | 998 |
| Earnings coverage of net charge-offs (x) | 4.1045% | 2,962 |
| Efficiency ratio | 66.8235% | 4,723 |
| Assets per employee ($millions) | 4.5853% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5015% | 4,121 |
| Loan loss allowance to noncurrent loans | 17.3316% | 6,797 |
| Noncurrent assets plus other real estate owned to assets | 6.9223% | 742 |
| Noncurrent loans to loans | 8.6632% | 491 |
| Net loans and leases to total assets | 63.5337% | 3,572 |
| Net loans and leases to deposits | 70.2851% | 4,402 |
| Net loans and leases to core deposits | 73.6369% | 4,626 |
| Total domestic deposits to total assets | 90.3943% | 761 |
| Equity capital to assets | 9.3553% | 5,062 |
| Core capital (leverage) ratio | 8.5636% | 5,455 |
| Tier 1 risk-based capital ratio | 12.4366% | 5,408 |
| Total risk-based capital ratio | 13.6892% | 5,389 |
| Memoranda: |
| Average total assets | $122,976,000 | 4,364 |
| Average earning assets | $110,999,330 | 4,411 |
| Average equity | $11,389,670 | 4,718 |
| Average total loans | $80,146,670 | 4,208 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9056% | 3,561 |
| Cost of funding earning assets | 0.9477% | 4,585 |
| Net interest margin | 3.9579% | 2,879 |
| Noninterest income to average assets | 0.5777% | 3,321 |
| Noninterest expense to average assets | 2.7023% | 4,827 |
| Loan and lease loss provision to assets | 0.6527% | 1,323 |
| Net operating income to assets | 0.6201% | 3,926 |
| Return on assets (ROA) | 0.6201% | 3,993 |
| Pretax return on assets | 0.7800% | 3,970 |
| Return on Equity (ROE) | 6.7295% | 3,518 |
| Retained earnings to average equity (ytd only) | 6.7295% | 2,272 |
| Net charge-offs to loans | -0.0598% | 6,945 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4830% | 5,283 |
| Assets per employee ($millions) | 4.4641% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2599% | 5,343 |
| Loan loss allowance to noncurrent loans | 14.3286% | 6,935 |
| Noncurrent assets plus other real estate owned to assets | 7.3774% | 692 |
| Noncurrent loans to loans | 8.7932% | 519 |
| Net loans and leases to total assets | 65.1492% | 3,212 |
| Net loans and leases to deposits | 72.3106% | 4,022 |
| Net loans and leases to core deposits | 75.8483% | 4,320 |
| Total domestic deposits to total assets | 90.0963% | 1,098 |
| Equity capital to assets | 9.4747% | 4,475 |
| Core capital (leverage) ratio | 8.3108% | 5,788 |
| Tier 1 risk-based capital ratio | 11.6536% | 5,976 |
| Total risk-based capital ratio | 12.7901% | 6,052 |
| Memoranda: |
| Average total assets | $122,563,000 | 4,402 |
| Average earning assets | $110,160,500 | 4,466 |
| Average equity | $11,293,500 | 4,721 |
| Average total loans | $80,292,500 | 4,243 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1061% | 4,071 |
| Cost of funding earning assets | 1.2438% | 4,256 |
| Net interest margin | 3.8623% | 3,678 |
| Noninterest income to average assets | 0.5756% | 3,623 |
| Noninterest expense to average assets | 3.1525% | 3,264 |
| Loan and lease loss provision to assets | 2.6257% | 412 |
| Net operating income to assets | -0.8598% | 6,606 |
| Return on assets (ROA) | -0.8598% | 6,635 |
| Pretax return on assets | -1.7027% | 6,927 |
| Return on Equity (ROE) | -8.9811% | 6,674 |
| Retained earnings to average equity (ytd only) | -8.9811% | 6,589 |
| Net charge-offs to loans | 4.6298% | 221 |
| Credit loss provision to net charge-offs | 83.4606% | 5,411 |
| Earnings coverage of net charge-offs (x) | 0.2934% | 5,817 |
| Efficiency ratio | 76.5076% | 2,961 |
| Assets per employee ($millions) | 4.6146% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9746% | 6,474 |
| Loan loss allowance to noncurrent loans | 17.4124% | 6,901 |
| Noncurrent assets plus other real estate owned to assets | 5.4055% | 1,147 |
| Noncurrent loans to loans | 5.5972% | 1,167 |
| Net loans and leases to total assets | 64.4231% | 3,781 |
| Net loans and leases to deposits | 71.1653% | 4,654 |
| Net loans and leases to core deposits | 75.2496% | 4,823 |
| Total domestic deposits to total assets | 90.5261% | 819 |
| Equity capital to assets | 8.9626% | 5,194 |
| Core capital (leverage) ratio | 8.0827% | 6,056 |
| Tier 1 risk-based capital ratio | 11.2573% | 6,126 |
| Total risk-based capital ratio | 12.1476% | 6,388 |
| Memoranda: |
| Average total assets | $124,918,600 | 4,380 |
| Average earning assets | $113,197,000 | 4,392 |
| Average equity | $11,958,400 | 4,623 |
| Average total loans | $84,885,400 | 4,186 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1192% | 4,220 |
| Cost of funding earning assets | 1.2942% | 4,254 |
| Net interest margin | 3.8251% | 3,865 |
| Noninterest income to average assets | 0.5536% | 3,764 |
| Noninterest expense to average assets | 2.9589% | 3,890 |
| Loan and lease loss provision to assets | 2.5066% | 417 |
| Net operating income to assets | -0.6944% | 6,728 |
| Return on assets (ROA) | -0.6944% | 6,777 |
| Pretax return on assets | -1.4346% | 7,025 |
| Return on Equity (ROE) | -7.1402% | 6,795 |
| Retained earnings to average equity (ytd only) | -7.1402% | 6,723 |
| Net charge-offs to loans | 4.1843% | 280 |
| Credit loss provision to net charge-offs | 87.2309% | 4,882 |
| Earnings coverage of net charge-offs (x) | 0.3731% | 5,658 |
| Efficiency ratio | 72.5589% | 3,599 |
| Assets per employee ($millions) | 4.5645% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3281% | 4,807 |
| Loan loss allowance to noncurrent loans | 23.9197% | 6,711 |
| Noncurrent assets plus other real estate owned to assets | 5.5273% | 1,117 |
| Noncurrent loans to loans | 5.5522% | 1,189 |
| Net loans and leases to total assets | 66.0733% | 3,673 |
| Net loans and leases to deposits | 74.6996% | 4,399 |
| Net loans and leases to core deposits | 77.6441% | 4,843 |
| Total domestic deposits to total assets | 88.4520% | 1,695 |
| Equity capital to assets | 9.5998% | 4,697 |
| Core capital (leverage) ratio | 9.0363% | 4,631 |
| Tier 1 risk-based capital ratio | 12.3289% | 5,144 |
| Total risk-based capital ratio | 13.5380% | 5,165 |
| Memoranda: |
| Average total assets | $124,999,500 | 4,442 |
| Average earning assets | $113,634,000 | 4,441 |
| Average equity | $12,156,250 | 4,637 |
| Average total loans | $85,842,250 | 4,229 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0965% | 4,476 |
| Cost of funding earning assets | 1.3170% | 4,431 |
| Net interest margin | 3.7795% | 3,994 |
| Noninterest income to average assets | 0.5383% | 3,807 |
| Noninterest expense to average assets | 2.8905% | 4,116 |
| Loan and lease loss provision to assets | 2.6277% | 419 |
| Net operating income to assets | -0.7549% | 6,839 |
| Return on assets (ROA) | -0.7549% | 6,854 |
| Pretax return on assets | -1.5384% | 7,087 |
| Return on Equity (ROE) | -7.7295% | 6,873 |
| Retained earnings to average equity (ytd only) | -7.7295% | 6,792 |
| Net charge-offs to loans | 5.2123% | 186 |
| Credit loss provision to net charge-offs | 72.8155% | 4,899 |
| Earnings coverage of net charge-offs (x) | 0.3019% | 5,424 |
| Efficiency ratio | 71.7887% | 3,851 |
| Assets per employee ($millions) | 4.5459% | 2,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9569% | 6,572 |
| Loan loss allowance to noncurrent loans | 10.2309% | 7,257 |
| Noncurrent assets plus other real estate owned to assets | 7.5681% | 673 |
| Noncurrent loans to loans | 9.3532% | 494 |
| Net loans and leases to total assets | 69.4857% | 3,021 |
| Net loans and leases to deposits | 78.6887% | 3,853 |
| Net loans and leases to core deposits | 87.0443% | 3,687 |
| Total domestic deposits to total assets | 88.3045% | 1,826 |
| Equity capital to assets | 9.7206% | 4,380 |
| Core capital (leverage) ratio | 9.3494% | 4,043 |
| Tier 1 risk-based capital ratio | 12.3705% | 4,975 |
| Total risk-based capital ratio | 13.2692% | 5,258 |
| Memoranda: |
| Average total assets | $125,585,330 | 4,459 |
| Average earning assets | $114,353,670 | 4,448 |
| Average equity | $12,264,670 | 4,609 |
| Average total loans | $86,947,670 | 4,225 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0653% | 4,705 |
| Cost of funding earning assets | 1.3512% | 4,484 |
| Net interest margin | 3.7141% | 4,168 |
| Noninterest income to average assets | 0.5071% | 3,991 |
| Noninterest expense to average assets | 2.8502% | 4,278 |
| Loan and lease loss provision to assets | 0.9448% | 1,331 |
| Net operating income to assets | 0.2331% | 5,565 |
| Return on assets (ROA) | 0.2331% | 5,679 |
| Pretax return on assets | 0.0882% | 6,165 |
| Return on Equity (ROE) | 2.3810% | 5,601 |
| Retained earnings to average equity (ytd only) | 2.3810% | 4,715 |
| Net charge-offs to loans | -0.0275% | 7,164 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5061% | 3,837 |
| Assets per employee ($millions) | 4.6018% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0091% | 2,161 |
| Loan loss allowance to noncurrent loans | 18.4645% | 7,086 |
| Noncurrent assets plus other real estate owned to assets | 8.6987% | 529 |
| Noncurrent loans to loans | 10.8810% | 367 |
| Net loans and leases to total assets | 68.5387% | 3,269 |
| Net loans and leases to deposits | 77.9485% | 4,056 |
| Net loans and leases to core deposits | 80.9741% | 4,632 |
| Total domestic deposits to total assets | 87.9282% | 2,106 |
| Equity capital to assets | 10.0195% | 3,846 |
| Core capital (leverage) ratio | 9.4529% | 3,844 |
| Tier 1 risk-based capital ratio | 12.8729% | 4,422 |
| Total risk-based capital ratio | 14.1311% | 4,395 |
| Memoranda: |
| Average total assets | $127,008,500 | 4,481 |
| Average earning assets | $115,451,500 | 4,484 |
| Average equity | $12,431,500 | 4,609 |
| Average total loans | $87,366,500 | 4,278 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4200% | 4,588 |
| Cost of funding earning assets | 1.5996% | 5,029 |
| Net interest margin | 3.8204% | 3,620 |
| Noninterest income to average assets | 0.6522% | 3,270 |
| Noninterest expense to average assets | 2.8006% | 4,972 |
| Loan and lease loss provision to assets | 2.1099% | 1,002 |
| Net operating income to assets | -0.2728% | 5,932 |
| Return on assets (ROA) | -0.2728% | 5,927 |
| Pretax return on assets | -0.7461% | 6,236 |
| Return on Equity (ROE) | -2.6888% | 5,945 |
| Retained earnings to average equity (ytd only) | -2.6888% | 5,643 |
| Net charge-offs to loans | 2.2380% | 1,058 |
| Credit loss provision to net charge-offs | 128.1052% | 4,035 |
| Earnings coverage of net charge-offs (x) | 0.8281% | 5,280 |
| Efficiency ratio | 66.4227% | 5,304 |
| Assets per employee ($millions) | 4.6346% | 2,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6395% | 3,126 |
| Loan loss allowance to noncurrent loans | 16.1002% | 7,207 |
| Noncurrent assets plus other real estate owned to assets | 8.0104% | 562 |
| Noncurrent loans to loans | 10.1834% | 397 |
| Net loans and leases to total assets | 66.5714% | 4,020 |
| Net loans and leases to deposits | 76.6335% | 4,638 |
| Net loans and leases to core deposits | 91.6691% | 4,930 |
| Total domestic deposits to total assets | 86.8697% | 2,577 |
| Equity capital to assets | 9.5662% | 4,330 |
| Core capital (leverage) ratio | 9.6039% | 3,591 |
| Tier 1 risk-based capital ratio | 12.4827% | 4,541 |
| Total risk-based capital ratio | 13.7358% | 4,482 |
| Memoranda: |
| Average total assets | $124,651,600 | 4,456 |
| Average earning assets | $114,594,000 | 4,437 |
| Average equity | $12,645,000 | 4,603 |
| Average total loans | $91,733,600 | 4,166 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4944% | 4,442 |
| Cost of funding earning assets | 1.6571% | 5,124 |
| Net interest margin | 3.8373% | 3,492 |
| Noninterest income to average assets | 0.6787% | 3,163 |
| Noninterest expense to average assets | 2.7493% | 5,108 |
| Loan and lease loss provision to assets | 2.5181% | 661 |
| Net operating income to assets | -0.4636% | 6,389 |
| Return on assets (ROA) | -0.4636% | 6,394 |
| Pretax return on assets | -1.0526% | 6,721 |
| Return on Equity (ROE) | -4.5029% | 6,398 |
| Retained earnings to average equity (ytd only) | -4.5029% | 6,187 |
| Net charge-offs to loans | 0.7939% | 2,379 |
| Credit loss provision to net charge-offs | 422.1014% | 942 |
| Earnings coverage of net charge-offs (x) | 2.4565% | 4,002 |
| Efficiency ratio | 64.4103% | 5,676 |
| Assets per employee ($millions) | 4.4009% | 3,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9091% | 717 |
| Loan loss allowance to noncurrent loans | 27.9737% | 6,598 |
| Noncurrent assets plus other real estate owned to assets | 8.4099% | 487 |
| Noncurrent loans to loans | 10.3993% | 373 |
| Net loans and leases to total assets | 71.5315% | 3,147 |
| Net loans and leases to deposits | 83.0294% | 3,826 |
| Net loans and leases to core deposits | 101.3697% | 4,229 |
| Total domestic deposits to total assets | 86.1520% | 2,615 |
| Equity capital to assets | 10.0605% | 4,015 |
| Core capital (leverage) ratio | 9.4768% | 3,943 |
| Tier 1 risk-based capital ratio | 12.4366% | 4,599 |
| Total risk-based capital ratio | 13.7054% | 4,532 |
| Memoranda: |
| Average total assets | $123,372,250 | 4,512 |
| Average earning assets | $113,689,500 | 4,491 |
| Average equity | $12,702,750 | 4,604 |
| Average total loans | $92,709,750 | 4,181 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5985% | 4,084 |
| Cost of funding earning assets | 1.6864% | 5,338 |
| Net interest margin | 3.9121% | 3,049 |
| Noninterest income to average assets | 0.7033% | 2,972 |
| Noninterest expense to average assets | 2.8002% | 4,960 |
| Loan and lease loss provision to assets | 0.9318% | 1,810 |
| Net operating income to assets | 0.5380% | 3,948 |
| Return on assets (ROA) | 0.5380% | 4,052 |
| Pretax return on assets | 0.5801% | 4,369 |
| Return on Equity (ROE) | 5.1856% | 3,998 |
| Retained earnings to average equity (ytd only) | 5.1856% | 2,404 |
| Net charge-offs to loans | 0.4199% | 3,121 |
| Credit loss provision to net charge-offs | 293.3673% | 1,591 |
| Earnings coverage of net charge-offs (x) | 4.7602% | 3,011 |
| Efficiency ratio | 64.1112% | 5,895 |
| Assets per employee ($millions) | 4.4293% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3757% | 3,859 |
| Loan loss allowance to noncurrent loans | 22.5100% | 6,986 |
| Noncurrent assets plus other real estate owned to assets | 5.7918% | 850 |
| Noncurrent loans to loans | 6.1114% | 886 |
| Net loans and leases to total assets | 71.8532% | 3,258 |
| Net loans and leases to deposits | 83.6805% | 3,946 |
| Net loans and leases to core deposits | 100.8134% | 4,423 |
| Total domestic deposits to total assets | 85.8661% | 2,853 |
| Equity capital to assets | 10.4563% | 3,461 |
| Core capital (leverage) ratio | 10.1768% | 3,120 |
| Tier 1 risk-based capital ratio | 13.0560% | 4,100 |
| Total risk-based capital ratio | 14.3161% | 4,017 |
| Memoranda: |
| Average total assets | $123,421,670 | 4,548 |
| Average earning assets | $113,851,330 | 4,519 |
| Average equity | $12,804,670 | 4,595 |
| Average total loans | $93,351,330 | 4,190 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7103% | 3,749 |
| Cost of funding earning assets | 1.7297% | 5,473 |
| Net interest margin | 3.9807% | 2,723 |
| Noninterest income to average assets | 0.6790% | 3,011 |
| Noninterest expense to average assets | 2.6933% | 5,043 |
| Loan and lease loss provision to assets | 0.4873% | 2,530 |
| Net operating income to assets | 0.8934% | 2,725 |
| Return on assets (ROA) | 0.8934% | 2,879 |
| Pretax return on assets | 1.1696% | 2,730 |
| Return on Equity (ROE) | 8.6458% | 2,864 |
| Retained earnings to average equity (ytd only) | 8.6458% | 1,581 |
| Net charge-offs to loans | 0.0590% | 4,642 |
| Credit loss provision to net charge-offs | 1,071.4286% | 580 |
| Earnings coverage of net charge-offs (x) | 36.4286% | 917 |
| Efficiency ratio | 61.0904% | 6,238 |
| Assets per employee ($millions) | 4.3773% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0440% | 5,842 |
| Loan loss allowance to noncurrent loans | 31.9169% | 6,417 |
| Noncurrent assets plus other real estate owned to assets | 2.9527% | 1,918 |
| Noncurrent loans to loans | 3.2710% | 1,966 |
| Net loans and leases to total assets | 77.2561% | 1,978 |
| Net loans and leases to deposits | 90.8436% | 2,803 |
| Net loans and leases to core deposits | 107.5388% | 3,738 |
| Total domestic deposits to total assets | 85.0430% | 3,179 |
| Equity capital to assets | 10.5626% | 3,397 |
| Core capital (leverage) ratio | 10.2319% | 3,170 |
| Tier 1 risk-based capital ratio | 12.9678% | 4,204 |
| Total risk-based capital ratio | 14.0146% | 4,259 |
| Memoranda: |
| Average total assets | $123,122,000 | 4,572 |
| Average earning assets | $113,548,500 | 4,543 |
| Average equity | $12,723,000 | 4,651 |
| Average total loans | $94,849,000 | 4,178 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3550% | 3,666 |
| Cost of funding earning assets | 2.1552% | 5,806 |
| Net interest margin | 4.1998% | 2,314 |
| Noninterest income to average assets | 0.5056% | 4,579 |
| Noninterest expense to average assets | 2.6921% | 5,301 |
| Loan and lease loss provision to assets | 0.8136% | 1,828 |
| Net operating income to assets | 0.6909% | 3,931 |
| Return on assets (ROA) | 0.6909% | 3,766 |
| Pretax return on assets | 0.8820% | 3,789 |
| Return on Equity (ROE) | 6.7501% | 3,649 |
| Retained earnings to average equity (ytd only) | 2.9688% | 3,325 |
| Net charge-offs to loans | 0.6936% | 1,768 |
| Credit loss provision to net charge-offs | 158.5875% | 3,267 |
| Earnings coverage of net charge-offs (x) | 3.3050% | 4,433 |
| Efficiency ratio | 60.5480% | 6,252 |
| Assets per employee ($millions) | 4.4171% | 2,759 |
| Cash dividends to net income (ytd only)* | 56.0191% | 2,839 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9180% | 6,581 |
| Loan loss allowance to noncurrent loans | 27.9107% | 6,840 |
| Noncurrent assets plus other real estate owned to assets | 2.9827% | 1,540 |
| Noncurrent loans to loans | 3.2890% | 1,583 |
| Net loans and leases to total assets | 75.3135% | 2,803 |
| Net loans and leases to deposits | 87.8812% | 3,823 |
| Net loans and leases to core deposits | 102.4934% | 4,551 |
| Total domestic deposits to total assets | 85.6993% | 2,535 |
| Equity capital to assets | 10.1068% | 3,914 |
| Core capital (leverage) ratio | 9.9757% | 3,472 |
| Tier 1 risk-based capital ratio | 12.6216% | 4,351 |
| Total risk-based capital ratio | 13.5321% | 4,483 |
| Memoranda: |
| Average total assets | $121,429,400 | 4,485 |
| Average earning assets | $112,242,400 | 4,463 |
| Average equity | $12,429,400 | 4,718 |
| Average total loans | $89,822,600 | 4,231 |
