| 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 | 4.5040% | 3,092 |
| Cost of funding earning assets | 0.7493% | 3,854 |
| Net interest margin | 3.7547% | 1,642 |
| Noninterest income to average assets | 1.3200% | 454 |
| Noninterest expense to average assets | 4.3763% | 292 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.2214% | 4,134 |
| Return on assets (ROA) | 0.2214% | 4,148 |
| Pretax return on assets | 0.1765% | 4,214 |
| Return on Equity (ROE) | 1.4300% | 4,219 |
| Retained earnings to average equity (ytd only) | 1.4338% | 3,730 |
| Net charge-offs to loans | -0.0967% | 4,488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 93.6599% | 306 |
| Assets per employee ($millions) | 4.3841% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1226% | 106 |
| Loan loss allowance to noncurrent loans | 196.3203% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.6586% | 809 |
| Noncurrent loans to loans | 1.5906% | 412 |
| Net loans and leases to total assets | 40.1100% | 4,036 |
| Net loans and leases to deposits | 48.1577% | 3,990 |
| Net loans and leases to core deposits | 53.2572% | 3,995 |
| Total domestic deposits to total assets | 83.3000% | 2,806 |
| Equity capital to assets | 14.8063% | 573 |
| Core capital (leverage) ratio | 15.3915% | 562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8435% | 245 |
| Memoranda: |
| Average total assets | $66,837,000 | 4,150 |
| Average earning assets | $59,658,000 | 4,142 |
| Average equity | $10,322,400 | 3,685 |
| Average total loans | $28,955,600 | 4,155 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4011% | 3,101 |
| Cost of funding earning assets | 0.5936% | 3,980 |
| Net interest margin | 3.8075% | 1,577 |
| Noninterest income to average assets | 1.3500% | 444 |
| Noninterest expense to average assets | 4.6194% | 263 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 0.3979% | 3,967 |
| Return on assets (ROA) | 0.3979% | 3,964 |
| Pretax return on assets | 0.1515% | 4,301 |
| Return on Equity (ROE) | 2.5500% | 4,149 |
| Retained earnings to average equity (ytd only) | 2.5485% | 3,623 |
| Net charge-offs to loans | -0.3041% | 4,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 97.6516% | 206 |
| Assets per employee ($millions) | 3.7286% | 4,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8688% | 137 |
| Loan loss allowance to noncurrent loans | 189.8876% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.7020% | 805 |
| Noncurrent loans to loans | 1.5108% | 477 |
| Net loans and leases to total assets | 45.1400% | 3,864 |
| Net loans and leases to deposits | 58.2914% | 3,593 |
| Net loans and leases to core deposits | 58.9314% | 3,743 |
| Total domestic deposits to total assets | 77.4300% | 3,885 |
| Equity capital to assets | 16.4624% | 421 |
| Core capital (leverage) ratio | 16.7343% | 431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.1961% | 229 |
| Memoranda: |
| Average total assets | $66,009,750 | 4,167 |
| Average earning assets | $58,619,750 | 4,174 |
| Average equity | $10,306,500 | 3,686 |
| Average total loans | $28,933,000 | 4,173 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1914% | 3,314 |
| Cost of funding earning assets | 0.5092% | 3,962 |
| Net interest margin | 3.6822% | 1,850 |
| Noninterest income to average assets | 1.3200% | 378 |
| Noninterest expense to average assets | 4.5990% | 258 |
| Loan and lease loss provision to assets | -0.0600% | 4,518 |
| Net operating income to assets | 0.1944% | 4,283 |
| Return on assets (ROA) | 0.1944% | 4,306 |
| Pretax return on assets | 0.0508% | 4,423 |
| Return on Equity (ROE) | 1.2700% | 4,347 |
| Retained earnings to average equity (ytd only) | 1.2666% | 3,862 |
| Net charge-offs to loans | -0.2921% | 4,607 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 100.1954% | 169 |
| Assets per employee ($millions) | 3.6667% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8573% | 143 |
| Loan loss allowance to noncurrent loans | 183.6689% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.7171% | 729 |
| Noncurrent loans to loans | 1.5557% | 418 |
| Net loans and leases to total assets | 44.7800% | 3,851 |
| Net loans and leases to deposits | 54.9503% | 3,701 |
| Net loans and leases to core deposits | 60.0142% | 3,633 |
| Total domestic deposits to total assets | 81.4900% | 3,342 |
| Equity capital to assets | 16.5287% | 407 |
| Core capital (leverage) ratio | 16.3299% | 445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.6653% | 225 |
| Memoranda: |
| Average total assets | $66,884,000 | 4,184 |
| Average earning assets | $59,311,667 | 4,187 |
| Average equity | $10,263,667 | 3,714 |
| Average total loans | $28,759,000 | 4,186 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6275% | 4,124 |
| Cost of funding earning assets | 0.4405% | 3,862 |
| Net interest margin | 3.1870% | 3,147 |
| Noninterest income to average assets | 1.2300% | 429 |
| Noninterest expense to average assets | 4.2800% | 307 |
| Loan and lease loss provision to assets | -0.1200% | 4,587 |
| Net operating income to assets | 0.0694% | 4,447 |
| Return on assets (ROA) | 0.0694% | 4,427 |
| Pretax return on assets | -0.0868% | 4,501 |
| Return on Equity (ROE) | 0.4700% | 4,419 |
| Retained earnings to average equity (ytd only) | 0.4686% | 3,951 |
| Net charge-offs to loans | -0.1807% | 4,582 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 104.9645% | 132 |
| Assets per employee ($millions) | 3.8740% | 4,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7154% | 172 |
| Loan loss allowance to noncurrent loans | 171.9565% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.6985% | 700 |
| Noncurrent loans to loans | 1.5791% | 410 |
| Net loans and leases to total assets | 43.0300% | 3,905 |
| Net loans and leases to deposits | 52.3033% | 3,776 |
| Net loans and leases to core deposits | 60.0632% | 3,538 |
| Total domestic deposits to total assets | 82.2700% | 3,439 |
| Equity capital to assets | 15.5638% | 433 |
| Core capital (leverage) ratio | 15.2901% | 539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.0045% | 152 |
| Memoranda: |
| Average total assets | $69,159,000 | 4,207 |
| Average earning assets | $61,750,000 | 4,218 |
| Average equity | $10,244,000 | 3,755 |
| Average total loans | $28,772,000 | 4,245 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0992% | 3,989 |
| Cost of funding earning assets | 0.1714% | 3,989 |
| Net interest margin | 2.9278% | 3,614 |
| Noninterest income to average assets | 1.4400% | 361 |
| Noninterest expense to average assets | 3.9172% | 352 |
| Loan and lease loss provision to assets | -0.0600% | 4,444 |
| Net operating income to assets | 0.3000% | 4,363 |
| Return on assets (ROA) | 0.3000% | 4,338 |
| Pretax return on assets | 0.2110% | 4,437 |
| Return on Equity (ROE) | 2.0700% | 4,380 |
| Retained earnings to average equity (ytd only) | 2.0666% | 3,961 |
| Net charge-offs to loans | -0.1282% | 4,566 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 96.3970% | 191 |
| Assets per employee ($millions) | 4.2624% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8085% | 149 |
| Loan loss allowance to noncurrent loans | 161.5385% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.6818% | 713 |
| Noncurrent loans to loans | 1.7386% | 349 |
| Net loans and leases to total assets | 38.1100% | 4,142 |
| Net loans and leases to deposits | 45.2833% | 4,075 |
| Net loans and leases to core deposits | 50.6855% | 3,952 |
| Total domestic deposits to total assets | 84.1600% | 3,169 |
| Equity capital to assets | 14.1292% | 562 |
| Core capital (leverage) ratio | 14.1995% | 696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1023% | 236 |
| Memoranda: |
| Average total assets | $69,667,000 | 4,230 |
| Average earning assets | $62,435,600 | 4,234 |
| Average equity | $10,113,200 | 3,858 |
| Average total loans | $28,090,600 | 4,268 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0049% | 3,879 |
| Cost of funding earning assets | 0.0841% | 4,389 |
| Net interest margin | 2.9209% | 3,432 |
| Noninterest income to average assets | 1.5200% | 357 |
| Noninterest expense to average assets | 4.2453% | 281 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.0445% | 4,573 |
| Return on assets (ROA) | 0.0445% | 4,543 |
| Pretax return on assets | -0.1102% | 4,599 |
| Return on Equity (ROE) | 0.3000% | 4,540 |
| Retained earnings to average equity (ytd only) | 0.3042% | 4,295 |
| Net charge-offs to loans | -0.8140% | 4,755 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 102.6648% | 139 |
| Assets per employee ($millions) | 3.9132% | 4,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4426% | 91 |
| Loan loss allowance to noncurrent loans | 61.3409% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 2.2659% | 105 |
| Noncurrent loans to loans | 5.6122% | 46 |
| Net loans and leases to total assets | 38.9800% | 4,105 |
| Net loans and leases to deposits | 50.1360% | 3,846 |
| Net loans and leases to core deposits | 50.1360% | 3,936 |
| Total domestic deposits to total assets | 77.7600% | 4,278 |
| Equity capital to assets | 14.3348% | 534 |
| Core capital (leverage) ratio | 14.7991% | 564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4507% | 260 |
| Memoranda: |
| Average total assets | $68,968,750 | 4,270 |
| Average earning assets | $61,852,000 | 4,272 |
| Average equity | $10,082,000 | 3,910 |
| Average total loans | $28,009,750 | 4,302 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9000% | 3,778 |
| Cost of funding earning assets | 0.0751% | 4,422 |
| Net interest margin | 2.8249% | 3,366 |
| Noninterest income to average assets | 1.6063% | 306 |
| Noninterest expense to average assets | 4.2757% | 240 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0292% | 4,562 |
| Return on assets (ROA) | 0.0292% | 4,532 |
| Pretax return on assets | -0.1431% | 4,586 |
| Return on Equity (ROE) | 0.1985% | 4,539 |
| Retained earnings to average equity (ytd only) | 0.1985% | 4,150 |
| Net charge-offs to loans | -0.9186% | 4,716 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4629% | 154 |
| Assets per employee ($millions) | 3.8026% | 4,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5104% | 97 |
| Loan loss allowance to noncurrent loans | 58.2555% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 2.3449% | 94 |
| Noncurrent loans to loans | 6.0259% | 41 |
| Net loans and leases to total assets | 37.5478% | 4,191 |
| Net loans and leases to deposits | 44.9710% | 4,070 |
| Net loans and leases to core deposits | 44.9710% | 4,158 |
| Total domestic deposits to total assets | 83.4936% | 3,787 |
| Equity capital to assets | 14.7328% | 434 |
| Core capital (leverage) ratio | 14.6084% | 530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0873% | 248 |
| Memoranda: |
| Average total assets | $68,479,333 | 4,319 |
| Average earning assets | $61,241,000 | 4,335 |
| Average equity | $10,077,000 | 3,977 |
| Average total loans | $27,867,000 | 4,360 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0213% | 3,190 |
| Cost of funding earning assets | 0.0788% | 4,371 |
| Net interest margin | 2.9425% | 2,700 |
| Noninterest income to average assets | 1.5592% | 338 |
| Noninterest expense to average assets | 4.3389% | 224 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0000% | 4,549 |
| Return on assets (ROA) | 0.0000% | 4,528 |
| Pretax return on assets | -0.1635% | 4,606 |
| Return on Equity (ROE) | 0.0000% | 4,528 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,010 |
| Net charge-offs to loans | -0.5898% | 4,719 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.9161% | 190 |
| Assets per employee ($millions) | 3.7460% | 4,488 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0399% | 155 |
| Loan loss allowance to noncurrent loans | 49.0479% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 2.5701% | 85 |
| Noncurrent loans to loans | 6.1979% | 42 |
| Net loans and leases to total assets | 40.2073% | 3,995 |
| Net loans and leases to deposits | 48.4800% | 3,841 |
| Net loans and leases to core deposits | 48.4800% | 3,961 |
| Total domestic deposits to total assets | 82.9359% | 3,950 |
| Equity capital to assets | 14.9389% | 401 |
| Core capital (leverage) ratio | 15.0584% | 423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4584% | 236 |
| Memoranda: |
| Average total assets | $68,496,000 | 4,345 |
| Average earning assets | $60,900,500 | 4,359 |
| Average equity | $10,073,500 | 4,045 |
| Average total loans | $28,483,000 | 4,363 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1058% | 3,674 |
| Cost of funding earning assets | 0.0958% | 4,411 |
| Net interest margin | 3.0100% | 3,171 |
| Noninterest income to average assets | 2.5399% | 229 |
| Noninterest expense to average assets | 4.5697% | 207 |
| Loan and lease loss provision to assets | 0.1922% | 575 |
| Net operating income to assets | 0.4967% | 4,093 |
| Return on assets (ROA) | 0.4967% | 4,136 |
| Pretax return on assets | 0.4716% | 4,292 |
| Return on Equity (ROE) | 3.4483% | 4,302 |
| Retained earnings to average equity (ytd only) | 3.4483% | 3,432 |
| Net charge-offs to loans | 0.1153% | 779 |
| Credit loss provision to net charge-offs | 371.4286% | 954 |
| Earnings coverage of net charge-offs (x) | 12.8286% | 2,097 |
| Efficiency ratio | 87.3164% | 413 |
| Assets per employee ($millions) | 3.6613% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7857% | 191 |
| Loan loss allowance to noncurrent loans | 45.8310% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 2.5344% | 102 |
| Noncurrent loans to loans | 6.0783% | 47 |
| Net loans and leases to total assets | 40.5339% | 4,064 |
| Net loans and leases to deposits | 48.3223% | 3,979 |
| Net loans and leases to core deposits | 48.3223% | 4,080 |
| Total domestic deposits to total assets | 83.8825% | 3,595 |
| Equity capital to assets | 14.4816% | 581 |
| Core capital (leverage) ratio | 14.6976% | 503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7073% | 266 |
| Memoranda: |
| Average total assets | $67,641,200 | 4,361 |
| Average earning assets | $60,531,000 | 4,376 |
| Average equity | $9,743,800 | 4,160 |
| Average total loans | $30,347,800 | 4,367 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0954% | 3,825 |
| Cost of funding earning assets | 0.0992% | 4,512 |
| Net interest margin | 2.9962% | 3,318 |
| Noninterest income to average assets | 2.6781% | 227 |
| Noninterest expense to average assets | 4.9591% | 177 |
| Loan and lease loss provision to assets | 0.1191% | 994 |
| Net operating income to assets | 0.3375% | 4,459 |
| Return on assets (ROA) | 0.3375% | 4,488 |
| Pretax return on assets | 0.2978% | 4,594 |
| Return on Equity (ROE) | 2.3461% | 4,544 |
| Retained earnings to average equity (ytd only) | 2.3461% | 4,094 |
| Net charge-offs to loans | -0.0478% | 4,337 |
| Credit loss provision to net charge-offs | -545.4545% | 3,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2452% | 266 |
| Assets per employee ($millions) | 3.1150% | 4,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5302% | 277 |
| Loan loss allowance to noncurrent loans | 39.3970% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 2.9039% | 87 |
| Noncurrent loans to loans | 6.4223% | 51 |
| Net loans and leases to total assets | 44.0719% | 3,949 |
| Net loans and leases to deposits | 54.3270% | 3,712 |
| Net loans and leases to core deposits | 54.5744% | 3,878 |
| Total domestic deposits to total assets | 81.1233% | 4,074 |
| Equity capital to assets | 14.2042% | 688 |
| Core capital (leverage) ratio | 14.2287% | 601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8169% | 308 |
| Memoranda: |
| Average total assets | $67,160,500 | 4,423 |
| Average earning assets | $60,475,250 | 4,440 |
| Average equity | $9,661,250 | 4,229 |
| Average total loans | $30,683,500 | 4,424 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1093% | 3,850 |
| Cost of funding earning assets | 0.1036% | 4,554 |
| Net interest margin | 3.0057% | 3,308 |
| Noninterest income to average assets | 2.9863% | 187 |
| Noninterest expense to average assets | 5.1721% | 166 |
| Loan and lease loss provision to assets | 0.1799% | 636 |
| Net operating income to assets | 0.3928% | 4,400 |
| Return on assets (ROA) | 0.3928% | 4,438 |
| Pretax return on assets | 0.3298% | 4,557 |
| Return on Equity (ROE) | 2.7187% | 4,522 |
| Retained earnings to average equity (ytd only) | 2.7187% | 3,933 |
| Net charge-offs to loans | 0.1177% | 658 |
| Credit loss provision to net charge-offs | 333.3333% | 841 |
| Earnings coverage of net charge-offs (x) | 9.4444% | 1,833 |
| Efficiency ratio | 91.0290% | 312 |
| Assets per employee ($millions) | 3.4381% | 4,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4646% | 289 |
| Loan loss allowance to noncurrent loans | 37.3393% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 2.9406% | 97 |
| Noncurrent loans to loans | 6.6005% | 47 |
| Net loans and leases to total assets | 43.4534% | 4,081 |
| Net loans and leases to deposits | 53.2318% | 3,908 |
| Net loans and leases to core deposits | 53.4718% | 4,050 |
| Total domestic deposits to total assets | 81.6306% | 3,988 |
| Equity capital to assets | 14.1010% | 697 |
| Core capital (leverage) ratio | 14.1680% | 598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4763% | 323 |
| Memoranda: |
| Average total assets | $66,704,333 | 4,455 |
| Average earning assets | $59,820,000 | 4,474 |
| Average equity | $9,637,000 | 4,245 |
| Average total loans | $30,582,667 | 4,456 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1407% | 3,800 |
| Cost of funding earning assets | 0.1163% | 4,545 |
| Net interest margin | 3.0244% | 3,199 |
| Noninterest income to average assets | 3.5386% | 168 |
| Noninterest expense to average assets | 5.4632% | 147 |
| Loan and lease loss provision to assets | 0.3654% | 225 |
| Net operating income to assets | 0.5238% | 4,129 |
| Return on assets (ROA) | 0.5238% | 4,169 |
| Pretax return on assets | 0.4020% | 4,482 |
| Return on Equity (ROE) | 3.5805% | 4,360 |
| Retained earnings to average equity (ytd only) | 3.5805% | 3,614 |
| Net charge-offs to loans | 0.5891% | 136 |
| Credit loss provision to net charge-offs | 133.3333% | 1,015 |
| Earnings coverage of net charge-offs (x) | 2.8000% | 1,793 |
| Efficiency ratio | 87.6833% | 459 |
| Assets per employee ($millions) | 3.9185% | 4,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3782% | 318 |
| Loan loss allowance to noncurrent loans | 31.5152% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 3.4677% | 74 |
| Noncurrent loans to loans | 7.5463% | 37 |
| Net loans and leases to total assets | 44.8599% | 4,048 |
| Net loans and leases to deposits | 53.9249% | 3,942 |
| Net loans and leases to core deposits | 54.1702% | 4,086 |
| Total domestic deposits to total assets | 83.1897% | 3,639 |
| Equity capital to assets | 14.4864% | 575 |
| Core capital (leverage) ratio | 14.8688% | 501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4278% | 284 |
| Memoranda: |
| Average total assets | $65,676,000 | 4,486 |
| Average earning assets | $58,457,500 | 4,508 |
| Average equity | $9,607,500 | 4,257 |
| Average total loans | $30,557,000 | 4,483 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7675% | 3,399 |
| Cost of funding earning assets | 0.2194% | 4,509 |
| Net interest margin | 3.5481% | 2,318 |
| Noninterest income to average assets | 3.2525% | 173 |
| Noninterest expense to average assets | 4.9815% | 198 |
| Loan and lease loss provision to assets | 0.7544% | 183 |
| Net operating income to assets | 0.6103% | 3,715 |
| Return on assets (ROA) | 0.6233% | 3,795 |
| Pretax return on assets | 0.6994% | 3,881 |
| Return on Equity (ROE) | 4.1100% | 4,133 |
| Retained earnings to average equity (ytd only) | 4.1100% | 2,756 |
| Net charge-offs to loans | 1.3939% | 77 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | 1.9077% | 3,222 |
| Efficiency ratio | 77.5845% | 1,069 |
| Assets per employee ($millions) | 3.4073% | 4,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3375% | 326 |
| Loan loss allowance to noncurrent loans | 29.2573% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 3.7644% | 71 |
| Noncurrent loans to loans | 7.9894% | 36 |
| Net loans and leases to total assets | 46.0163% | 4,126 |
| Net loans and leases to deposits | 55.2947% | 4,048 |
| Net loans and leases to core deposits | 55.5535% | 4,174 |
| Total domestic deposits to total assets | 83.2201% | 3,348 |
| Equity capital to assets | 14.7749% | 611 |
| Core capital (leverage) ratio | 14.7537% | 548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2066% | 229 |
| Memoranda: |
| Average total assets | $61,768,800 | 4,488 |
| Average earning assets | $55,155,800 | 4,507 |
| Average equity | $9,367,400 | 4,268 |
| Average total loans | $33,432,200 | 4,447 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9325% | 3,158 |
| Cost of funding earning assets | 0.2551% | 4,494 |
| Net interest margin | 3.6773% | 2,018 |
| Noninterest income to average assets | 3.2116% | 169 |
| Noninterest expense to average assets | 5.4117% | 160 |
| Loan and lease loss provision to assets | 0.3064% | 1,312 |
| Net operating income to assets | 0.6987% | 3,463 |
| Return on assets (ROA) | 0.7166% | 3,506 |
| Pretax return on assets | 0.7887% | 3,676 |
| Return on Equity (ROE) | 4.6933% | 3,971 |
| Retained earnings to average equity (ytd only) | 4.6933% | 2,696 |
| Net charge-offs to loans | 0.6439% | 221 |
| Credit loss provision to net charge-offs | 84.8485% | 2,730 |
| Earnings coverage of net charge-offs (x) | 2.9818% | 2,943 |
| Efficiency ratio | 83.4288% | 647 |
| Assets per employee ($millions) | 3.4825% | 4,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9546% | 535 |
| Loan loss allowance to noncurrent loans | 25.2666% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 4.1093% | 79 |
| Noncurrent loans to loans | 7.7359% | 47 |
| Net loans and leases to total assets | 52.0819% | 3,959 |
| Net loans and leases to deposits | 63.0426% | 3,858 |
| Net loans and leases to core deposits | 63.3335% | 4,036 |
| Total domestic deposits to total assets | 82.6137% | 3,248 |
| Equity capital to assets | 14.3697% | 768 |
| Core capital (leverage) ratio | 14.8996% | 560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7406% | 263 |
| Memoranda: |
| Average total assets | $61,026,500 | 4,520 |
| Average earning assets | $54,349,500 | 4,537 |
| Average equity | $9,318,000 | 4,287 |
| Average total loans | $34,164,500 | 4,460 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1472% | 2,916 |
| Cost of funding earning assets | 0.3065% | 4,455 |
| Net interest margin | 3.8407% | 1,711 |
| Noninterest income to average assets | 3.1056% | 159 |
| Noninterest expense to average assets | 5.3951% | 164 |
| Loan and lease loss provision to assets | 0.2698% | 1,588 |
| Net operating income to assets | 0.8436% | 2,887 |
| Return on assets (ROA) | 0.8733% | 2,915 |
| Pretax return on assets | 0.8936% | 3,327 |
| Return on Equity (ROE) | 5.5972% | 3,631 |
| Retained earnings to average equity (ytd only) | 5.5972% | 2,239 |
| Net charge-offs to loans | 0.7743% | 200 |
| Credit loss provision to net charge-offs | 61.0687% | 2,583 |
| Earnings coverage of net charge-offs (x) | 2.5649% | 2,760 |
| Efficiency ratio | 82.6446% | 716 |
| Assets per employee ($millions) | 3.4816% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8800% | 554 |
| Loan loss allowance to noncurrent loans | 27.0204% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 3.9095% | 94 |
| Noncurrent loans to loans | 6.9579% | 61 |
| Net loans and leases to total assets | 55.1318% | 3,766 |
| Net loans and leases to deposits | 67.0718% | 3,639 |
| Net loans and leases to core deposits | 67.3989% | 3,894 |
| Total domestic deposits to total assets | 82.1983% | 3,317 |
| Equity capital to assets | 15.0603% | 610 |
| Core capital (leverage) ratio | 15.5098% | 491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6990% | 341 |
| Memoranda: |
| Average total assets | $59,313,000 | 4,554 |
| Average earning assets | $52,855,333 | 4,572 |
| Average equity | $9,254,667 | 4,315 |
| Average total loans | $33,836,667 | 4,485 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4076% | 2,593 |
| Cost of funding earning assets | 0.4509% | 4,150 |
| Net interest margin | 3.9568% | 1,511 |
| Noninterest income to average assets | 2.3666% | 212 |
| Noninterest expense to average assets | 5.0941% | 216 |
| Loan and lease loss provision to assets | 0.1388% | 2,000 |
| Net operating income to assets | 0.7426% | 3,120 |
| Return on assets (ROA) | 0.7426% | 3,196 |
| Pretax return on assets | 0.6663% | 3,779 |
| Return on Equity (ROE) | 4.6710% | 3,760 |
| Retained earnings to average equity (ytd only) | 4.6710% | 2,430 |
| Net charge-offs to loans | 0.8085% | 184 |
| Credit loss provision to net charge-offs | 29.8507% | 2,156 |
| Earnings coverage of net charge-offs (x) | 1.7313% | 2,348 |
| Efficiency ratio | 86.3529% | 681 |
| Assets per employee ($millions) | 2.9935% | 4,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0178% | 485 |
| Loan loss allowance to noncurrent loans | 31.5192% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 3.7151% | 116 |
| Noncurrent loans to loans | 6.4019% | 70 |
| Net loans and leases to total assets | 56.8605% | 3,764 |
| Net loans and leases to deposits | 70.0015% | 3,591 |
| Net loans and leases to core deposits | 70.0015% | 3,879 |
| Total domestic deposits to total assets | 81.2276% | 3,619 |
| Equity capital to assets | 16.0788% | 571 |
| Core capital (leverage) ratio | 16.1101% | 502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3619% | 351 |
| Memoranda: |
| Average total assets | $57,635,500 | 4,584 |
| Average earning assets | $51,456,000 | 4,613 |
| Average equity | $9,163,000 | 4,345 |
| Average total loans | $33,149,000 | 4,532 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1148% | 1,187 |
| Cost of funding earning assets | 0.5609% | 3,820 |
| Net interest margin | 4.5539% | 641 |
| Noninterest income to average assets | 2.4191% | 209 |
| Noninterest expense to average assets | 5.0448% | 209 |
| Loan and lease loss provision to assets | 0.4970% | 258 |
| Net operating income to assets | 0.7678% | 3,649 |
| Return on assets (ROA) | 0.7678% | 3,729 |
| Pretax return on assets | 0.8836% | 3,783 |
| Return on Equity (ROE) | 4.8197% | 4,265 |
| Retained earnings to average equity (ytd only) | 4.8197% | 2,524 |
| Net charge-offs to loans | 0.6240% | 293 |
| Credit loss provision to net charge-offs | 132.2275% | 1,924 |
| Earnings coverage of net charge-offs (x) | 3.6730% | 3,295 |
| Efficiency ratio | 78.5140% | 1,094 |
| Assets per employee ($millions) | 3.0734% | 4,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1417% | 366 |
| Loan loss allowance to noncurrent loans | 41.0006% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 2.9780% | 179 |
| Noncurrent loans to loans | 5.2235% | 94 |
| Net loans and leases to total assets | 55.7907% | 3,935 |
| Net loans and leases to deposits | 68.3127% | 3,793 |
| Net loans and leases to core deposits | 68.3127% | 4,062 |
| Total domestic deposits to total assets | 81.6697% | 3,595 |
| Equity capital to assets | 15.7222% | 655 |
| Core capital (leverage) ratio | 15.7947% | 547 |
| Tier 1 risk-based capital ratio | 25.9967% | 680 |
| Total risk-based capital ratio | 27.2539% | 659 |
| Memoranda: |
| Average total assets | $56,137,000 | 4,648 |
| Average earning assets | $49,386,400 | 4,684 |
| Average equity | $8,942,400 | 4,381 |
| Average total loans | $33,816,600 | 4,562 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1841% | 1,072 |
| Cost of funding earning assets | 0.5672% | 3,831 |
| Net interest margin | 4.6169% | 599 |
| Noninterest income to average assets | 2.3536% | 215 |
| Noninterest expense to average assets | 5.5854% | 153 |
| Loan and lease loss provision to assets | 0.1440% | 1,335 |
| Net operating income to assets | 0.6142% | 4,258 |
| Return on assets (ROA) | 0.6142% | 4,307 |
| Pretax return on assets | 0.6862% | 4,377 |
| Return on Equity (ROE) | 3.8425% | 4,622 |
| Retained earnings to average equity (ytd only) | 3.8425% | 3,475 |
| Net charge-offs to loans | 0.1060% | 1,401 |
| Credit loss provision to net charge-offs | 222.2222% | 1,208 |
| Earnings coverage of net charge-offs (x) | 12.8144% | 2,332 |
| Efficiency ratio | 87.0606% | 448 |
| Assets per employee ($millions) | 3.0135% | 4,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0692% | 409 |
| Loan loss allowance to noncurrent loans | 112.6246% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 1.0514% | 1,259 |
| Noncurrent loans to loans | 1.8372% | 768 |
| Net loans and leases to total assets | 56.0448% | 4,044 |
| Net loans and leases to deposits | 68.9315% | 3,845 |
| Net loans and leases to core deposits | 68.9315% | 4,111 |
| Total domestic deposits to total assets | 81.3050% | 3,661 |
| Equity capital to assets | 15.7294% | 692 |
| Core capital (leverage) ratio | 15.9421% | 567 |
| Tier 1 risk-based capital ratio | 26.0274% | 705 |
| Total risk-based capital ratio | 27.2846% | 691 |
| Memoranda: |
| Average total assets | $55,572,500 | 4,723 |
| Average earning assets | $48,892,000 | 4,762 |
| Average equity | $8,882,750 | 4,437 |
| Average total loans | $33,947,750 | 4,619 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2470% | 904 |
| Cost of funding earning assets | 0.5541% | 3,865 |
| Net interest margin | 4.6930% | 495 |
| Noninterest income to average assets | 2.1268% | 241 |
| Noninterest expense to average assets | 5.3698% | 171 |
| Loan and lease loss provision to assets | 0.2181% | 763 |
| Net operating income to assets | 0.6071% | 4,292 |
| Return on assets (ROA) | 0.6071% | 4,331 |
| Pretax return on assets | 0.6653% | 4,413 |
| Return on Equity (ROE) | 3.7776% | 4,633 |
| Retained earnings to average equity (ytd only) | 3.7776% | 3,365 |
| Net charge-offs to loans | 0.2621% | 635 |
| Credit loss provision to net charge-offs | 133.3333% | 1,630 |
| Earnings coverage of net charge-offs (x) | 5.4000% | 2,659 |
| Efficiency ratio | 85.8721% | 555 |
| Assets per employee ($millions) | 2.9099% | 4,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9027% | 564 |
| Loan loss allowance to noncurrent loans | 100.1517% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 1.1919% | 1,116 |
| Noncurrent loans to loans | 1.8998% | 779 |
| Net loans and leases to total assets | 61.5450% | 3,597 |
| Net loans and leases to deposits | 76.0431% | 3,329 |
| Net loans and leases to core deposits | 76.0431% | 3,725 |
| Total domestic deposits to total assets | 80.9344% | 3,832 |
| Equity capital to assets | 16.1265% | 600 |
| Core capital (leverage) ratio | 16.2891% | 510 |
| Tier 1 risk-based capital ratio | 25.4343% | 718 |
| Total risk-based capital ratio | 26.6895% | 706 |
| Memoranda: |
| Average total assets | $55,011,330 | 4,773 |
| Average earning assets | $48,370,330 | 4,803 |
| Average equity | $8,841,670 | 4,462 |
| Average total loans | $34,341,330 | 4,647 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2012% | 909 |
| Cost of funding earning assets | 0.5632% | 3,768 |
| Net interest margin | 4.6380% | 564 |
| Noninterest income to average assets | 1.9172% | 263 |
| Noninterest expense to average assets | 4.8986% | 220 |
| Loan and lease loss provision to assets | 0.4374% | 255 |
| Net operating income to assets | 0.8091% | 3,584 |
| Return on assets (ROA) | 0.8091% | 3,621 |
| Pretax return on assets | 0.6633% | 4,390 |
| Return on Equity (ROE) | 5.0429% | 4,314 |
| Retained earnings to average equity (ytd only) | 5.0429% | 2,891 |
| Net charge-offs to loans | 0.5034% | 299 |
| Credit loss provision to net charge-offs | 139.5349% | 1,298 |
| Earnings coverage of net charge-offs (x) | 3.5116% | 2,397 |
| Efficiency ratio | 81.6525% | 903 |
| Assets per employee ($millions) | 2.7074% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9498% | 551 |
| Loan loss allowance to noncurrent loans | 84.3312% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 1.4498% | 844 |
| Noncurrent loans to loans | 2.3121% | 588 |
| Net loans and leases to total assets | 61.4808% | 3,552 |
| Net loans and leases to deposits | 75.6247% | 3,296 |
| Net loans and leases to core deposits | 81.1555% | 3,256 |
| Total domestic deposits to total assets | 81.2972% | 3,905 |
| Equity capital to assets | 16.3629% | 523 |
| Core capital (leverage) ratio | 16.3475% | 488 |
| Tier 1 risk-based capital ratio | 25.7147% | 705 |
| Total risk-based capital ratio | 26.9714% | 692 |
| Memoranda: |
| Average total assets | $54,873,000 | 4,823 |
| Average earning assets | $48,296,500 | 4,852 |
| Average equity | $8,804,500 | 4,498 |
| Average total loans | $34,168,500 | 4,699 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0368% | 966 |
| Cost of funding earning assets | 0.4260% | 3,823 |
| Net interest margin | 4.6108% | 593 |
| Noninterest income to average assets | 2.3848% | 209 |
| Noninterest expense to average assets | 4.8962% | 217 |
| Loan and lease loss provision to assets | 0.9216% | 99 |
| Net operating income to assets | 0.6032% | 4,411 |
| Return on assets (ROA) | 0.6032% | 4,418 |
| Pretax return on assets | 0.6595% | 4,517 |
| Return on Equity (ROE) | 4.0007% | 4,712 |
| Retained earnings to average equity (ytd only) | 4.0007% | 3,370 |
| Net charge-offs to loans | 1.4518% | 77 |
| Credit loss provision to net charge-offs | 105.2209% | 2,421 |
| Earnings coverage of net charge-offs (x) | 1.8052% | 3,589 |
| Efficiency ratio | 75.5906% | 1,419 |
| Assets per employee ($millions) | 3.0888% | 4,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8758% | 598 |
| Loan loss allowance to noncurrent loans | 69.4295% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 1.6709% | 650 |
| Noncurrent loans to loans | 2.7018% | 422 |
| Net loans and leases to total assets | 60.6845% | 3,694 |
| Net loans and leases to deposits | 73.7196% | 3,525 |
| Net loans and leases to core deposits | 78.8908% | 3,510 |
| Total domestic deposits to total assets | 82.3180% | 3,548 |
| Equity capital to assets | 15.7359% | 575 |
| Core capital (leverage) ratio | 15.8299% | 541 |
| Tier 1 risk-based capital ratio | 24.9082% | 752 |
| Total risk-based capital ratio | 26.1637% | 734 |
| Memoranda: |
| Average total assets | $56,860,600 | 4,820 |
| Average earning assets | $50,468,800 | 4,846 |
| Average equity | $8,573,400 | 4,515 |
| Average total loans | $34,301,800 | 4,709 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9579% | 1,025 |
| Cost of funding earning assets | 0.3798% | 3,995 |
| Net interest margin | 4.5781% | 625 |
| Noninterest income to average assets | 2.3692% | 221 |
| Noninterest expense to average assets | 5.1885% | 181 |
| Loan and lease loss provision to assets | 0.7555% | 126 |
| Net operating income to assets | 0.5130% | 4,730 |
| Return on assets (ROA) | 0.5130% | 4,731 |
| Pretax return on assets | 0.5014% | 4,904 |
| Return on Equity (ROE) | 3.4390% | 4,938 |
| Retained earnings to average equity (ytd only) | 3.4390% | 4,047 |
| Net charge-offs to loans | 1.2368% | 104 |
| Credit loss provision to net charge-offs | 101.8868% | 2,232 |
| Earnings coverage of net charge-offs (x) | 1.6950% | 3,326 |
| Efficiency ratio | 80.4993% | 901 |
| Assets per employee ($millions) | 2.9465% | 5,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7424% | 807 |
| Loan loss allowance to noncurrent loans | 59.6759% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 1.8738% | 602 |
| Noncurrent loans to loans | 2.9198% | 380 |
| Net loans and leases to total assets | 63.0566% | 3,536 |
| Net loans and leases to deposits | 81.2077% | 2,901 |
| Net loans and leases to core deposits | 81.2077% | 3,389 |
| Total domestic deposits to total assets | 77.6486% | 4,541 |
| Equity capital to assets | 15.4065% | 637 |
| Core capital (leverage) ratio | 15.8554% | 541 |
| Tier 1 risk-based capital ratio | 23.7283% | 867 |
| Total risk-based capital ratio | 24.9828% | 850 |
| Memoranda: |
| Average total assets | $57,176,000 | 4,864 |
| Average earning assets | $50,907,750 | 4,892 |
| Average equity | $8,529,500 | 4,566 |
| Average total loans | $34,281,000 | 4,759 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9899% | 844 |
| Cost of funding earning assets | 0.3950% | 3,758 |
| Net interest margin | 4.5950% | 554 |
| Noninterest income to average assets | 2.5706% | 201 |
| Noninterest expense to average assets | 5.1343% | 198 |
| Loan and lease loss provision to assets | 0.9171% | 89 |
| Net operating income to assets | 0.6218% | 4,433 |
| Return on assets (ROA) | 0.6218% | 4,435 |
| Pretax return on assets | 0.6010% | 4,739 |
| Return on Equity (ROE) | 4.2129% | 4,765 |
| Retained earnings to average equity (ytd only) | 4.2129% | 3,494 |
| Net charge-offs to loans | 1.5653% | 76 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 1.6553% | 3,041 |
| Efficiency ratio | 77.1802% | 1,288 |
| Assets per employee ($millions) | 2.5364% | 5,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8736% | 665 |
| Loan loss allowance to noncurrent loans | 45.0509% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 2.5796% | 329 |
| Noncurrent loans to loans | 4.1588% | 205 |
| Net loans and leases to total assets | 60.8636% | 3,721 |
| Net loans and leases to deposits | 74.8689% | 3,451 |
| Net loans and leases to core deposits | 74.8689% | 3,817 |
| Total domestic deposits to total assets | 81.2935% | 3,920 |
| Equity capital to assets | 16.1175% | 487 |
| Core capital (leverage) ratio | 15.3952% | 592 |
| Tier 1 risk-based capital ratio | 23.3618% | 902 |
| Total risk-based capital ratio | 24.6163% | 881 |
| Memoranda: |
| Average total assets | $57,573,670 | 4,910 |
| Average earning assets | $51,143,000 | 4,946 |
| Average equity | $8,497,670 | 4,611 |
| Average total loans | $33,732,330 | 4,815 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0397% | 642 |
| Cost of funding earning assets | 0.3999% | 3,585 |
| Net interest margin | 4.6398% | 457 |
| Noninterest income to average assets | 2.2033% | 238 |
| Noninterest expense to average assets | 4.5942% | 274 |
| Loan and lease loss provision to assets | 1.1318% | 71 |
| Net operating income to assets | 0.6496% | 4,277 |
| Return on assets (ROA) | 0.6496% | 4,287 |
| Pretax return on assets | 0.5960% | 4,696 |
| Return on Equity (ROE) | 4.5895% | 4,609 |
| Retained earnings to average equity (ytd only) | 4.5895% | 3,367 |
| Net charge-offs to loans | 1.9366% | 63 |
| Credit loss provision to net charge-offs | 102.4242% | 1,517 |
| Earnings coverage of net charge-offs (x) | 1.5636% | 2,545 |
| Efficiency ratio | 72.6695% | 2,095 |
| Assets per employee ($millions) | 2.9491% | 5,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8807% | 683 |
| Loan loss allowance to noncurrent loans | 58.2788% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 1.8124% | 666 |
| Noncurrent loans to loans | 3.2271% | 346 |
| Net loans and leases to total assets | 55.1066% | 4,199 |
| Net loans and leases to deposits | 66.1396% | 4,079 |
| Net loans and leases to core deposits | 73.6145% | 3,850 |
| Total domestic deposits to total assets | 83.3186% | 3,576 |
| Equity capital to assets | 14.4163% | 792 |
| Core capital (leverage) ratio | 14.4400% | 779 |
| Tier 1 risk-based capital ratio | 22.5078% | 991 |
| Total risk-based capital ratio | 23.7625% | 971 |
| Memoranda: |
| Average total assets | $59,728,000 | 4,933 |
| Average earning assets | $53,019,500 | 4,975 |
| Average equity | $8,454,000 | 4,674 |
| Average total loans | $34,079,500 | 4,863 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9004% | 797 |
| Cost of funding earning assets | 0.2753% | 4,361 |
| Net interest margin | 4.6251% | 475 |
| Noninterest income to average assets | 2.5564% | 217 |
| Noninterest expense to average assets | 5.2772% | 188 |
| Loan and lease loss provision to assets | 0.6671% | 187 |
| Net operating income to assets | 0.5858% | 4,075 |
| Return on assets (ROA) | 0.5858% | 4,111 |
| Pretax return on assets | 0.6219% | 4,690 |
| Return on Equity (ROE) | 3.9213% | 4,525 |
| Retained earnings to average equity (ytd only) | 3.9213% | 2,850 |
| Net charge-offs to loans | 1.0168% | 172 |
| Credit loss provision to net charge-offs | 112.5000% | 2,313 |
| Earnings coverage of net charge-offs (x) | 2.1738% | 3,791 |
| Efficiency ratio | 80.3689% | 1,071 |
| Assets per employee ($millions) | 3.0237% | 5,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7669% | 834 |
| Loan loss allowance to noncurrent loans | 67.0639% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 1.5263% | 889 |
| Noncurrent loans to loans | 2.6347% | 488 |
| Net loans and leases to total assets | 56.9071% | 4,119 |
| Net loans and leases to deposits | 67.6336% | 4,051 |
| Net loans and leases to core deposits | 74.9875% | 3,813 |
| Total domestic deposits to total assets | 84.1403% | 3,155 |
| Equity capital to assets | 13.8985% | 941 |
| Core capital (leverage) ratio | 14.5076% | 730 |
| Tier 1 risk-based capital ratio | 21.4830% | 1,071 |
| Total risk-based capital ratio | 22.7354% | 1,053 |
| Memoranda: |
| Average total assets | $55,313,200 | 5,057 |
| Average earning assets | $47,955,600 | 5,109 |
| Average equity | $8,262,600 | 4,741 |
| Average total loans | $32,257,000 | 4,962 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8867% | 778 |
| Cost of funding earning assets | 0.2425% | 4,638 |
| Net interest margin | 4.6442% | 451 |
| Noninterest income to average assets | 2.4582% | 229 |
| Noninterest expense to average assets | 5.5333% | 179 |
| Loan and lease loss provision to assets | 0.4442% | 291 |
| Net operating income to assets | 0.6343% | 4,252 |
| Return on assets (ROA) | 0.6343% | 4,312 |
| Pretax return on assets | 0.4985% | 5,034 |
| Return on Equity (ROE) | 4.1651% | 4,807 |
| Retained earnings to average equity (ytd only) | 4.1651% | 3,425 |
| Net charge-offs to loans | 0.6505% | 304 |
| Credit loss provision to net charge-offs | 116.8831% | 2,047 |
| Earnings coverage of net charge-offs (x) | 2.4805% | 3,462 |
| Efficiency ratio | 85.4421% | 657 |
| Assets per employee ($millions) | 3.1058% | 5,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7702% | 904 |
| Loan loss allowance to noncurrent loans | 45.1083% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 2.4506% | 449 |
| Noncurrent loans to loans | 3.9244% | 258 |
| Net loans and leases to total assets | 59.9528% | 3,872 |
| Net loans and leases to deposits | 76.0155% | 3,376 |
| Net loans and leases to core deposits | 80.5847% | 3,403 |
| Total domestic deposits to total assets | 78.8691% | 4,555 |
| Equity capital to assets | 14.9793% | 732 |
| Core capital (leverage) ratio | 15.2241% | 615 |
| Tier 1 risk-based capital ratio | 21.7704% | 1,072 |
| Total risk-based capital ratio | 23.0235% | 1,053 |
| Memoranda: |
| Average total assets | $54,023,000 | 5,136 |
| Average earning assets | $46,738,250 | 5,186 |
| Average equity | $8,227,000 | 4,792 |
| Average total loans | $31,563,000 | 5,029 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8452% | 783 |
| Cost of funding earning assets | 0.2190% | 4,809 |
| Net interest margin | 4.6262% | 456 |
| Noninterest income to average assets | 2.1874% | 281 |
| Noninterest expense to average assets | 5.3525% | 190 |
| Loan and lease loss provision to assets | 0.4495% | 269 |
| Net operating income to assets | 0.4083% | 4,964 |
| Return on assets (ROA) | 0.4083% | 4,989 |
| Pretax return on assets | 0.3408% | 5,280 |
| Return on Equity (ROE) | 2.6657% | 5,204 |
| Retained earnings to average equity (ytd only) | 2.6657% | 4,110 |
| Net charge-offs to loans | 0.5926% | 332 |
| Credit loss provision to net charge-offs | 131.8681% | 1,665 |
| Earnings coverage of net charge-offs (x) | 2.3187% | 3,174 |
| Efficiency ratio | 87.1341% | 597 |
| Assets per employee ($millions) | 2.6537% | 5,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9103% | 712 |
| Loan loss allowance to noncurrent loans | 74.5700% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.5337% | 974 |
| Noncurrent loans to loans | 2.5618% | 572 |
| Net loans and leases to total assets | 58.7256% | 3,951 |
| Net loans and leases to deposits | 72.3710% | 3,702 |
| Net loans and leases to core deposits | 72.3710% | 4,069 |
| Total domestic deposits to total assets | 81.1452% | 4,146 |
| Equity capital to assets | 15.4991% | 615 |
| Core capital (leverage) ratio | 15.4464% | 556 |
| Tier 1 risk-based capital ratio | 23.0407% | 950 |
| Total risk-based capital ratio | 24.2956% | 937 |
| Memoranda: |
| Average total assets | $53,396,000 | 5,185 |
| Average earning assets | $45,653,330 | 5,248 |
| Average equity | $8,178,000 | 4,829 |
| Average total loans | $30,710,670 | 5,090 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6493% | 1,029 |
| Cost of funding earning assets | 0.2214% | 4,792 |
| Net interest margin | 4.4279% | 610 |
| Noninterest income to average assets | 2.2107% | 274 |
| Noninterest expense to average assets | 4.9293% | 241 |
| Loan and lease loss provision to assets | 0.4481% | 233 |
| Net operating income to assets | 0.5676% | 4,294 |
| Return on assets (ROA) | 0.5676% | 4,338 |
| Pretax return on assets | 0.5676% | 4,800 |
| Return on Equity (ROE) | 3.7282% | 4,871 |
| Retained earnings to average equity (ytd only) | 3.7282% | 3,580 |
| Net charge-offs to loans | 0.4639% | 401 |
| Credit loss provision to net charge-offs | 171.4286% | 1,120 |
| Earnings coverage of net charge-offs (x) | 3.8857% | 2,438 |
| Efficiency ratio | 82.9146% | 1,072 |
| Assets per employee ($millions) | 2.4242% | 5,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9553% | 727 |
| Loan loss allowance to noncurrent loans | 69.5502% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 1.6257% | 957 |
| Noncurrent loans to loans | 2.8113% | 513 |
| Net loans and leases to total assets | 56.6958% | 4,101 |
| Net loans and leases to deposits | 69.5247% | 3,850 |
| Net loans and leases to core deposits | 69.9461% | 4,152 |
| Total domestic deposits to total assets | 81.5477% | 4,286 |
| Equity capital to assets | 15.3585% | 581 |
| Core capital (leverage) ratio | 15.2794% | 560 |
| Tier 1 risk-based capital ratio | 23.0285% | 973 |
| Total risk-based capital ratio | 24.2824% | 959 |
| Memoranda: |
| Average total assets | $53,557,000 | 5,237 |
| Average earning assets | $45,168,500 | 5,313 |
| Average equity | $8,154,000 | 4,870 |
| Average total loans | $30,178,500 | 5,151 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9204% | 706 |
| Cost of funding earning assets | 0.2519% | 4,549 |
| Net interest margin | 4.6685% | 441 |
| Noninterest income to average assets | 2.8417% | 220 |
| Noninterest expense to average assets | 5.3183% | 223 |
| Loan and lease loss provision to assets | 0.4919% | 283 |
| Net operating income to assets | 0.7833% | 3,383 |
| Return on assets (ROA) | 0.7833% | 3,484 |
| Pretax return on assets | 0.9592% | 3,623 |
| Return on Equity (ROE) | 5.2450% | 4,301 |
| Retained earnings to average equity (ytd only) | 5.2450% | 2,168 |
| Net charge-offs to loans | 0.8773% | 218 |
| Credit loss provision to net charge-offs | 97.0149% | 2,663 |
| Earnings coverage of net charge-offs (x) | 2.8619% | 3,760 |
| Efficiency ratio | 78.5634% | 1,613 |
| Assets per employee ($millions) | 2.5610% | 5,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9548% | 723 |
| Loan loss allowance to noncurrent loans | 63.0601% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 1.7013% | 904 |
| Noncurrent loans to loans | 3.0999% | 430 |
| Net loans and leases to total assets | 53.8098% | 4,453 |
| Net loans and leases to deposits | 65.3185% | 4,305 |
| Net loans and leases to core deposits | 65.7070% | 4,541 |
| Total domestic deposits to total assets | 82.3807% | 3,967 |
| Equity capital to assets | 15.0924% | 628 |
| Core capital (leverage) ratio | 15.0121% | 598 |
| Tier 1 risk-based capital ratio | 23.5496% | 910 |
| Total risk-based capital ratio | 24.8053% | 898 |
| Memoranda: |
| Average total assets | $52,854,800 | 5,293 |
| Average earning assets | $44,468,000 | 5,365 |
| Average equity | $7,893,200 | 4,952 |
| Average total loans | $30,550,000 | 5,174 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9931% | 611 |
| Cost of funding earning assets | 0.2554% | 4,557 |
| Net interest margin | 4.7377% | 403 |
| Noninterest income to average assets | 2.8352% | 222 |
| Noninterest expense to average assets | 5.8731% | 179 |
| Loan and lease loss provision to assets | 0.2660% | 682 |
| Net operating income to assets | 0.6258% | 4,181 |
| Return on assets (ROA) | 0.6258% | 4,305 |
| Pretax return on assets | 0.6917% | 4,630 |
| Return on Equity (ROE) | 4.2021% | 4,832 |
| Retained earnings to average equity (ytd only) | 4.2021% | 3,336 |
| Net charge-offs to loans | 0.4111% | 524 |
| Credit loss provision to net charge-offs | 110.5263% | 2,221 |
| Earnings coverage of net charge-offs (x) | 3.9791% | 3,329 |
| Efficiency ratio | 85.9792% | 822 |
| Assets per employee ($millions) | 2.4574% | 5,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0211% | 702 |
| Loan loss allowance to noncurrent loans | 41.7544% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 2.6359% | 499 |
| Noncurrent loans to loans | 4.8405% | 180 |
| Net loans and leases to total assets | 53.3536% | 4,549 |
| Net loans and leases to deposits | 65.1812% | 4,409 |
| Net loans and leases to core deposits | 65.5680% | 4,639 |
| Total domestic deposits to total assets | 81.8542% | 3,976 |
| Equity capital to assets | 14.7053% | 813 |
| Core capital (leverage) ratio | 14.6972% | 686 |
| Tier 1 risk-based capital ratio | 22.8361% | 1,024 |
| Total risk-based capital ratio | 24.0913% | 1,009 |
| Memoranda: |
| Average total assets | $52,623,000 | 5,346 |
| Average earning assets | $44,380,000 | 5,426 |
| Average equity | $7,837,250 | 5,016 |
| Average total loans | $30,808,250 | 5,214 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9483% | 647 |
| Cost of funding earning assets | 0.2590% | 4,558 |
| Net interest margin | 4.6893% | 427 |
| Noninterest income to average assets | 2.5967% | 243 |
| Noninterest expense to average assets | 5.8186% | 182 |
| Loan and lease loss provision to assets | 0.1726% | 1,282 |
| Net operating income to assets | 0.6329% | 4,131 |
| Return on assets (ROA) | 0.6329% | 4,269 |
| Pretax return on assets | 0.6329% | 4,809 |
| Return on Equity (ROE) | 4.2309% | 4,828 |
| Retained earnings to average equity (ytd only) | 4.2309% | 3,220 |
| Net charge-offs to loans | 0.3262% | 721 |
| Credit loss provision to net charge-offs | 88.2353% | 2,266 |
| Earnings coverage of net charge-offs (x) | 4.1176% | 3,020 |
| Efficiency ratio | 87.8402% | 732 |
| Assets per employee ($millions) | 2.5201% | 5,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8290% | 1,033 |
| Loan loss allowance to noncurrent loans | 39.8078% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 2.7531% | 467 |
| Noncurrent loans to loans | 4.5946% | 214 |
| Net loans and leases to total assets | 58.8243% | 4,031 |
| Net loans and leases to deposits | 71.6330% | 3,818 |
| Net loans and leases to core deposits | 72.0642% | 4,172 |
| Total domestic deposits to total assets | 82.1190% | 3,969 |
| Equity capital to assets | 14.8672% | 764 |
| Core capital (leverage) ratio | 14.7828% | 647 |
| Tier 1 risk-based capital ratio | 22.6799% | 1,052 |
| Total risk-based capital ratio | 23.9338% | 1,035 |
| Memoranda: |
| Average total assets | $52,143,330 | 5,416 |
| Average earning assets | $44,783,000 | 5,485 |
| Average equity | $7,799,670 | 5,064 |
| Average total loans | $31,264,670 | 5,258 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0933% | 499 |
| Cost of funding earning assets | 0.2681% | 4,522 |
| Net interest margin | 4.8253% | 343 |
| Noninterest income to average assets | 2.8133% | 217 |
| Noninterest expense to average assets | 6.0208% | 174 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9661% | 2,430 |
| Return on assets (ROA) | 0.9661% | 2,541 |
| Pretax return on assets | 0.9661% | 3,591 |
| Return on Equity (ROE) | 6.4387% | 3,762 |
| Retained earnings to average equity (ytd only) | 6.4387% | 2,173 |
| Net charge-offs to loans | 0.0902% | 1,603 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 17.8571% | 1,555 |
| Efficiency ratio | 86.1726% | 959 |
| Assets per employee ($millions) | 2.4690% | 5,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8509% | 1,054 |
| Loan loss allowance to noncurrent loans | 40.6316% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 2.7484% | 503 |
| Noncurrent loans to loans | 4.5553% | 233 |
| Net loans and leases to total assets | 59.2162% | 3,887 |
| Net loans and leases to deposits | 72.1083% | 3,641 |
| Net loans and leases to core deposits | 72.5496% | 4,025 |
| Total domestic deposits to total assets | 82.1212% | 4,188 |
| Equity capital to assets | 15.0977% | 671 |
| Core capital (leverage) ratio | 15.0202% | 599 |
| Tier 1 risk-based capital ratio | 22.5899% | 1,078 |
| Total risk-based capital ratio | 23.8452% | 1,049 |
| Memoranda: |
| Average total assets | $51,754,000 | 5,475 |
| Average earning assets | $44,764,500 | 5,529 |
| Average equity | $7,765,500 | 5,095 |
| Average total loans | $31,041,500 | 5,307 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2300% | 407 |
| Cost of funding earning assets | 0.2760% | 4,520 |
| Net interest margin | 4.9540% | 277 |
| Noninterest income to average assets | 2.3515% | 286 |
| Noninterest expense to average assets | 5.5839% | 205 |
| Loan and lease loss provision to assets | 0.5404% | 209 |
| Net operating income to assets | 0.4553% | 4,868 |
| Return on assets (ROA) | 0.4553% | 4,951 |
| Pretax return on assets | 0.4553% | 5,212 |
| Return on Equity (ROE) | 3.0299% | 5,293 |
| Retained earnings to average equity (ytd only) | 3.0299% | 3,897 |
| Net charge-offs to loans | 0.7890% | 286 |
| Credit loss provision to net charge-offs | 118.6957% | 2,168 |
| Earnings coverage of net charge-offs (x) | 2.1870% | 3,959 |
| Efficiency ratio | 84.8676% | 1,103 |
| Assets per employee ($millions) | 2.3481% | 5,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9025% | 952 |
| Loan loss allowance to noncurrent loans | 41.7082% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 2.7198% | 535 |
| Noncurrent loans to loans | 4.5615% | 229 |
| Net loans and leases to total assets | 58.4893% | 4,018 |
| Net loans and leases to deposits | 70.7993% | 3,829 |
| Net loans and leases to core deposits | 71.2299% | 4,196 |
| Total domestic deposits to total assets | 82.6129% | 3,970 |
| Equity capital to assets | 14.9112% | 684 |
| Core capital (leverage) ratio | 14.6492% | 680 |
| Tier 1 risk-based capital ratio | 22.8198% | 1,038 |
| Total risk-based capital ratio | 24.0818% | 1,020 |
| Memoranda: |
| Average total assets | $50,520,400 | 5,528 |
| Average earning assets | $43,117,000 | 5,605 |
| Average equity | $7,591,000 | 5,131 |
| Average total loans | $29,151,000 | 5,396 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3046% | 371 |
| Cost of funding earning assets | 0.2754% | 4,605 |
| Net interest margin | 5.0292% | 237 |
| Noninterest income to average assets | 2.4789% | 269 |
| Noninterest expense to average assets | 5.7647% | 194 |
| Loan and lease loss provision to assets | 0.3981% | 306 |
| Net operating income to assets | 0.5812% | 4,469 |
| Return on assets (ROA) | 0.5812% | 4,568 |
| Pretax return on assets | 0.5812% | 5,025 |
| Return on Equity (ROE) | 3.8608% | 5,081 |
| Retained earnings to average equity (ytd only) | 3.8608% | 3,719 |
| Net charge-offs to loans | 0.3943% | 652 |
| Credit loss provision to net charge-offs | 176.4706% | 1,492 |
| Earnings coverage of net charge-offs (x) | 4.3412% | 3,363 |
| Efficiency ratio | 85.4782% | 1,044 |
| Assets per employee ($millions) | 2.5402% | 5,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0259% | 884 |
| Loan loss allowance to noncurrent loans | 44.1860% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 2.7085% | 602 |
| Noncurrent loans to loans | 4.5848% | 237 |
| Net loans and leases to total assets | 57.8785% | 4,156 |
| Net loans and leases to deposits | 70.6759% | 3,910 |
| Net loans and leases to core deposits | 71.1152% | 4,267 |
| Total domestic deposits to total assets | 81.8928% | 4,199 |
| Equity capital to assets | 15.1389% | 706 |
| Core capital (leverage) ratio | 14.9780% | 639 |
| Tier 1 risk-based capital ratio | 22.0734% | 1,187 |
| Total risk-based capital ratio | 23.3313% | 1,164 |
| Memoranda: |
| Average total assets | $50,235,750 | 5,607 |
| Average earning assets | $42,603,500 | 5,690 |
| Average equity | $7,563,000 | 5,202 |
| Average total loans | $28,738,500 | 5,479 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0404% | 560 |
| Cost of funding earning assets | 0.2816% | 4,592 |
| Net interest margin | 4.7588% | 389 |
| Noninterest income to average assets | 2.3019% | 305 |
| Noninterest expense to average assets | 5.6228% | 208 |
| Loan and lease loss provision to assets | 0.2398% | 757 |
| Net operating income to assets | 0.4236% | 5,070 |
| Return on assets (ROA) | 0.4236% | 5,171 |
| Pretax return on assets | 0.4236% | 5,418 |
| Return on Equity (ROE) | 2.8190% | 5,467 |
| Retained earnings to average equity (ytd only) | 2.8190% | 4,251 |
| Net charge-offs to loans | 0.3108% | 851 |
| Credit loss provision to net charge-offs | 136.3636% | 1,636 |
| Earnings coverage of net charge-offs (x) | 3.7727% | 3,136 |
| Efficiency ratio | 89.4469% | 794 |
| Assets per employee ($millions) | 2.7561% | 5,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9320% | 1,105 |
| Loan loss allowance to noncurrent loans | 31.9452% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 3.3477% | 442 |
| Noncurrent loans to loans | 6.0477% | 155 |
| Net loans and leases to total assets | 54.2844% | 4,523 |
| Net loans and leases to deposits | 65.2811% | 4,407 |
| Net loans and leases to core deposits | 65.6687% | 4,679 |
| Total domestic deposits to total assets | 83.1548% | 3,884 |
| Equity capital to assets | 14.4715% | 825 |
| Core capital (leverage) ratio | 15.2246% | 587 |
| Tier 1 risk-based capital ratio | 21.3929% | 1,297 |
| Total risk-based capital ratio | 22.6494% | 1,276 |
| Memoranda: |
| Average total assets | $50,046,670 | 5,665 |
| Average earning assets | $41,901,330 | 5,767 |
| Average equity | $7,520,330 | 5,260 |
| Average total loans | $28,314,000 | 5,542 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1591% | 439 |
| Cost of funding earning assets | 0.2898% | 4,552 |
| Net interest margin | 4.8693% | 310 |
| Noninterest income to average assets | 2.3728% | 293 |
| Noninterest expense to average assets | 5.7029% | 206 |
| Loan and lease loss provision to assets | 0.4909% | 216 |
| Net operating income to assets | 0.3027% | 5,404 |
| Return on assets (ROA) | 0.3027% | 5,505 |
| Pretax return on assets | 0.3027% | 5,647 |
| Return on Equity (ROE) | 1.9756% | 5,697 |
| Retained earnings to average equity (ytd only) | 1.9756% | 4,687 |
| Net charge-offs to loans | 0.7291% | 325 |
| Credit loss provision to net charge-offs | 117.6471% | 1,461 |
| Earnings coverage of net charge-offs (x) | 1.9020% | 2,852 |
| Efficiency ratio | 87.7834% | 1,036 |
| Assets per employee ($millions) | 2.3049% | 6,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9864% | 1,110 |
| Loan loss allowance to noncurrent loans | 30.7350% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 3.7105% | 427 |
| Noncurrent loans to loans | 6.4630% | 161 |
| Net loans and leases to total assets | 56.2713% | 4,168 |
| Net loans and leases to deposits | 68.0381% | 3,952 |
| Net loans and leases to core deposits | 68.4760% | 4,289 |
| Total domestic deposits to total assets | 82.7056% | 4,274 |
| Equity capital to assets | 15.5156% | 619 |
| Core capital (leverage) ratio | 15.2319% | 577 |
| Tier 1 risk-based capital ratio | 22.8742% | 1,126 |
| Total risk-based capital ratio | 24.1293% | 1,107 |
| Memoranda: |
| Average total assets | $48,887,500 | 5,750 |
| Average earning assets | $41,402,500 | 5,831 |
| Average equity | $7,491,500 | 5,306 |
| Average total loans | $27,978,000 | 5,596 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7591% | 1,192 |
| Cost of funding earning assets | 0.2986% | 4,813 |
| Net interest margin | 4.4605% | 800 |
| Noninterest income to average assets | 2.4724% | 243 |
| Noninterest expense to average assets | 5.3637% | 246 |
| Loan and lease loss provision to assets | 1.0267% | 105 |
| Net operating income to assets | 0.4579% | 4,979 |
| Return on assets (ROA) | 0.4579% | 5,073 |
| Pretax return on assets | -0.0226% | 6,108 |
| Return on Equity (ROE) | 3.0416% | 5,463 |
| Retained earnings to average equity (ytd only) | 3.0416% | 4,077 |
| Net charge-offs to loans | 1.6532% | 139 |
| Credit loss provision to net charge-offs | 102.8807% | 2,327 |
| Earnings coverage of net charge-offs (x) | 1.0062% | 4,514 |
| Efficiency ratio | 84.2309% | 1,384 |
| Assets per employee ($millions) | 2.1477% | 6,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9278% | 1,249 |
| Loan loss allowance to noncurrent loans | 27.4937% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 3.9981% | 419 |
| Noncurrent loans to loans | 7.0118% | 144 |
| Net loans and leases to total assets | 55.9213% | 4,349 |
| Net loans and leases to deposits | 67.1251% | 4,206 |
| Net loans and leases to core deposits | 67.5436% | 4,552 |
| Total domestic deposits to total assets | 83.3090% | 3,977 |
| Equity capital to assets | 15.1808% | 674 |
| Core capital (leverage) ratio | 15.4832% | 537 |
| Tier 1 risk-based capital ratio | 23.4961% | 1,007 |
| Total risk-based capital ratio | 24.7525% | 988 |
| Memoranda: |
| Average total assets | $48,697,400 | 5,817 |
| Average earning assets | $42,528,800 | 5,863 |
| Average equity | $7,331,600 | 5,341 |
| Average total loans | $29,398,000 | 5,583 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8096% | 1,086 |
| Cost of funding earning assets | 0.3053% | 4,837 |
| Net interest margin | 4.5043% | 730 |
| Noninterest income to average assets | 2.4895% | 245 |
| Noninterest expense to average assets | 5.8034% | 197 |
| Loan and lease loss provision to assets | 0.8793% | 133 |
| Net operating income to assets | 0.4232% | 5,163 |
| Return on assets (ROA) | 0.4232% | 5,243 |
| Pretax return on assets | -0.2198% | 6,260 |
| Return on Equity (ROE) | 2.8167% | 5,609 |
| Retained earnings to average equity (ytd only) | 2.8167% | 4,598 |
| Net charge-offs to loans | 1.3375% | 199 |
| Credit loss provision to net charge-offs | 107.3826% | 2,072 |
| Earnings coverage of net charge-offs (x) | 0.8054% | 4,315 |
| Efficiency ratio | 89.7959% | 853 |
| Assets per employee ($millions) | 2.1283% | 6,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9036% | 1,447 |
| Loan loss allowance to noncurrent loans | 25.2289% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 4.4616% | 408 |
| Noncurrent loans to loans | 7.5453% | 140 |
| Net loans and leases to total assets | 58.0049% | 4,069 |
| Net loans and leases to deposits | 70.4321% | 3,874 |
| Net loans and leases to core deposits | 70.8787% | 4,253 |
| Total domestic deposits to total assets | 82.3558% | 4,357 |
| Equity capital to assets | 15.1764% | 698 |
| Core capital (leverage) ratio | 15.5513% | 535 |
| Tier 1 risk-based capital ratio | 25.9928% | 788 |
| Total risk-based capital ratio | 27.2524% | 764 |
| Memoranda: |
| Average total assets | $48,522,250 | 5,889 |
| Average earning assets | $42,802,250 | 5,923 |
| Average equity | $7,289,750 | 5,392 |
| Average total loans | $29,705,750 | 5,631 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6758% | 1,338 |
| Cost of funding earning assets | 0.3046% | 4,923 |
| Net interest margin | 4.3711% | 899 |
| Noninterest income to average assets | 2.2654% | 286 |
| Noninterest expense to average assets | 5.8496% | 193 |
| Loan and lease loss provision to assets | 0.3100% | 626 |
| Net operating income to assets | 0.0207% | 6,166 |
| Return on assets (ROA) | 0.0207% | 6,191 |
| Pretax return on assets | 0.0207% | 6,180 |
| Return on Equity (ROE) | 0.1381% | 6,196 |
| Retained earnings to average equity (ytd only) | 0.1381% | 5,644 |
| Net charge-offs to loans | 0.2670% | 1,482 |
| Credit loss provision to net charge-offs | 187.5000% | 1,228 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,671 |
| Efficiency ratio | 94.6488% | 612 |
| Assets per employee ($millions) | 2.3197% | 6,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8654% | 1,664 |
| Loan loss allowance to noncurrent loans | 26.5287% | 5,863 |
| Noncurrent assets plus other real estate owned to assets | 4.6990% | 403 |
| Noncurrent loans to loans | 7.0318% | 174 |
| Net loans and leases to total assets | 60.9078% | 3,579 |
| Net loans and leases to deposits | 73.5900% | 3,377 |
| Net loans and leases to core deposits | 74.0547% | 3,833 |
| Total domestic deposits to total assets | 82.7664% | 4,393 |
| Equity capital to assets | 14.9447% | 713 |
| Core capital (leverage) ratio | 15.3121% | 556 |
| Tier 1 risk-based capital ratio | 24.2457% | 953 |
| Total risk-based capital ratio | 25.5046% | 936 |
| Memoranda: |
| Average total assets | $48,379,330 | 5,939 |
| Average earning assets | $43,329,670 | 5,966 |
| Average equity | $7,243,330 | 5,428 |
| Average total loans | $29,959,330 | 5,657 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4185% | 2,068 |
| Cost of funding earning assets | 0.3163% | 4,905 |
| Net interest margin | 4.1022% | 1,447 |
| Noninterest income to average assets | 1.8335% | 389 |
| Noninterest expense to average assets | 5.8325% | 202 |
| Loan and lease loss provision to assets | 0.4978% | 300 |
| Net operating income to assets | -0.8380% | 6,547 |
| Return on assets (ROA) | -0.8380% | 6,547 |
| Pretax return on assets | -0.8380% | 6,536 |
| Return on Equity (ROE) | -5.5917% | 6,481 |
| Retained earnings to average equity (ytd only) | -5.5917% | 6,159 |
| Net charge-offs to loans | 0.3621% | 992 |
| Credit loss provision to net charge-offs | 222.2222% | 970 |
| Earnings coverage of net charge-offs (x) | -1.5185% | 3,523 |
| Efficiency ratio | 106.1934% | 332 |
| Assets per employee ($millions) | 2.1417% | 6,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9018% | 1,745 |
| Loan loss allowance to noncurrent loans | 34.8881% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 4.1576% | 550 |
| Noncurrent loans to loans | 5.4510% | 371 |
| Net loans and leases to total assets | 61.4160% | 3,328 |
| Net loans and leases to deposits | 73.8874% | 3,077 |
| Net loans and leases to core deposits | 74.3659% | 3,608 |
| Total domestic deposits to total assets | 83.1211% | 4,565 |
| Equity capital to assets | 15.2277% | 635 |
| Core capital (leverage) ratio | 15.2261% | 575 |
| Tier 1 risk-based capital ratio | 24.5593% | 932 |
| Total risk-based capital ratio | 25.8189% | 911 |
| Memoranda: |
| Average total assets | $48,212,500 | 5,998 |
| Average earning assets | $43,001,000 | 6,025 |
| Average equity | $7,225,000 | 5,459 |
| Average total loans | $29,822,000 | 5,719 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6080% | 309 |
| Cost of funding earning assets | 0.3255% | 5,374 |
| Net interest margin | 5.2825% | 192 |
| Noninterest income to average assets | 2.0724% | 373 |
| Noninterest expense to average assets | 5.7549% | 225 |
| Loan and lease loss provision to assets | 0.5408% | 494 |
| Net operating income to assets | 0.4273% | 5,048 |
| Return on assets (ROA) | 0.4273% | 5,162 |
| Pretax return on assets | 0.4995% | 5,206 |
| Return on Equity (ROE) | 2.8802% | 5,553 |
| Retained earnings to average equity (ytd only) | 2.8802% | 4,197 |
| Net charge-offs to loans | 1.0442% | 544 |
| Credit loss provision to net charge-offs | 83.1746% | 2,949 |
| Earnings coverage of net charge-offs (x) | 1.6000% | 4,523 |
| Efficiency ratio | 84.6902% | 1,550 |
| Assets per employee ($millions) | 2.0545% | 6,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7549% | 2,219 |
| Loan loss allowance to noncurrent loans | 37.8669% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 3.5451% | 820 |
| Noncurrent loans to loans | 4.6343% | 565 |
| Net loans and leases to total assets | 60.0645% | 3,708 |
| Net loans and leases to deposits | 71.8207% | 3,543 |
| Net loans and leases to core deposits | 72.2623% | 4,035 |
| Total domestic deposits to total assets | 83.6311% | 4,306 |
| Equity capital to assets | 14.7545% | 717 |
| Core capital (leverage) ratio | 14.9762% | 606 |
| Tier 1 risk-based capital ratio | 24.4308% | 911 |
| Total risk-based capital ratio | 25.6867% | 899 |
| Memoranda: |
| Average total assets | $48,445,800 | 6,055 |
| Average earning assets | $43,313,200 | 6,071 |
| Average equity | $7,187,000 | 5,524 |
| Average total loans | $30,166,600 | 5,755 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7673% | 249 |
| Cost of funding earning assets | 0.3304% | 5,469 |
| Net interest margin | 5.4370% | 149 |
| Noninterest income to average assets | 2.0844% | 397 |
| Noninterest expense to average assets | 5.7473% | 227 |
| Loan and lease loss provision to assets | 0.4921% | 564 |
| Net operating income to assets | 0.5695% | 4,477 |
| Return on assets (ROA) | 0.5695% | 4,621 |
| Pretax return on assets | 0.7132% | 4,646 |
| Return on Equity (ROE) | 3.8334% | 5,295 |
| Retained earnings to average equity (ytd only) | 3.8334% | 3,961 |
| Net charge-offs to loans | 0.4905% | 1,309 |
| Credit loss provision to net charge-offs | 160.3604% | 1,473 |
| Earnings coverage of net charge-offs (x) | 3.9278% | 3,584 |
| Efficiency ratio | 82.6640% | 1,739 |
| Assets per employee ($millions) | 1.9687% | 6,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1806% | 1,359 |
| Loan loss allowance to noncurrent loans | 29.2793% | 6,011 |
| Noncurrent assets plus other real estate owned to assets | 4.8826% | 581 |
| Noncurrent loans to loans | 7.4477% | 261 |
| Net loans and leases to total assets | 61.7114% | 3,417 |
| Net loans and leases to deposits | 75.7252% | 2,996 |
| Net loans and leases to core deposits | 75.7252% | 3,645 |
| Total domestic deposits to total assets | 81.4938% | 5,089 |
| Equity capital to assets | 15.3972% | 640 |
| Core capital (leverage) ratio | 15.3975% | 579 |
| Tier 1 risk-based capital ratio | 25.1347% | 863 |
| Total risk-based capital ratio | 26.3958% | 850 |
| Memoranda: |
| Average total assets | $48,230,500 | 6,132 |
| Average earning assets | $43,184,500 | 6,143 |
| Average equity | $7,165,000 | 5,591 |
| Average total loans | $30,172,000 | 5,808 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6939% | 280 |
| Cost of funding earning assets | 0.3360% | 5,513 |
| Net interest margin | 5.3579% | 167 |
| Noninterest income to average assets | 2.2324% | 377 |
| Noninterest expense to average assets | 5.9517% | 210 |
| Loan and lease loss provision to assets | 0.4901% | 567 |
| Net operating income to assets | 0.5396% | 4,611 |
| Return on assets (ROA) | 0.5396% | 4,778 |
| Pretax return on assets | 0.5849% | 5,078 |
| Return on Equity (ROE) | 3.6755% | 5,346 |
| Retained earnings to average equity (ytd only) | 3.6755% | 3,973 |
| Net charge-offs to loans | 0.5084% | 1,293 |
| Credit loss provision to net charge-offs | 154.5455% | 1,494 |
| Earnings coverage of net charge-offs (x) | 3.3896% | 3,403 |
| Efficiency ratio | 84.7011% | 1,558 |
| Assets per employee ($millions) | 2.0033% | 6,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1216% | 1,581 |
| Loan loss allowance to noncurrent loans | 17.2949% | 6,352 |
| Noncurrent assets plus other real estate owned to assets | 7.6853% | 289 |
| Noncurrent loans to loans | 12.2671% | 88 |
| Net loans and leases to total assets | 59.8765% | 3,677 |
| Net loans and leases to deposits | 72.9105% | 3,317 |
| Net loans and leases to core deposits | 72.9105% | 3,942 |
| Total domestic deposits to total assets | 82.1232% | 5,014 |
| Equity capital to assets | 14.9733% | 718 |
| Core capital (leverage) ratio | 15.0815% | 599 |
| Tier 1 risk-based capital ratio | 24.4639% | 941 |
| Total risk-based capital ratio | 25.7247% | 925 |
| Memoranda: |
| Average total assets | $48,557,670 | 6,158 |
| Average earning assets | $43,450,000 | 6,174 |
| Average equity | $7,128,330 | 5,652 |
| Average total loans | $30,293,330 | 5,837 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5069% | 366 |
| Cost of funding earning assets | 0.3390% | 5,646 |
| Net interest margin | 5.1679% | 203 |
| Noninterest income to average assets | 2.0493% | 423 |
| Noninterest expense to average assets | 5.7135% | 237 |
| Loan and lease loss provision to assets | 0.4836% | 558 |
| Net operating income to assets | 0.4263% | 5,020 |
| Return on assets (ROA) | 0.4263% | 5,175 |
| Pretax return on assets | 0.4754% | 5,340 |
| Return on Equity (ROE) | 2.9325% | 5,608 |
| Retained earnings to average equity (ytd only) | 2.9325% | 4,519 |
| Net charge-offs to loans | 0.0911% | 2,932 |
| Credit loss provision to net charge-offs | 842.8571% | 356 |
| Earnings coverage of net charge-offs (x) | 16.7143% | 1,356 |
| Efficiency ratio | 85.6265% | 1,559 |
| Assets per employee ($millions) | 1.9771% | 6,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0948% | 1,808 |
| Loan loss allowance to noncurrent loans | 18.3025% | 6,382 |
| Noncurrent assets plus other real estate owned to assets | 7.4835% | 362 |
| Noncurrent loans to loans | 11.4456% | 153 |
| Net loans and leases to total assets | 62.4455% | 2,977 |
| Net loans and leases to deposits | 76.0530% | 2,630 |
| Net loans and leases to core deposits | 76.0530% | 3,318 |
| Total domestic deposits to total assets | 82.1079% | 5,157 |
| Equity capital to assets | 15.0028% | 758 |
| Core capital (leverage) ratio | 14.9590% | 598 |
| Tier 1 risk-based capital ratio | 23.9867% | 1,015 |
| Total risk-based capital ratio | 25.2468% | 993 |
| Memoranda: |
| Average total assets | $48,797,000 | 6,213 |
| Average earning assets | $43,654,500 | 6,225 |
| Average equity | $7,093,000 | 5,718 |
| Average total loans | $30,734,000 | 5,860 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0319% | 253 |
| Cost of funding earning assets | 0.3721% | 6,095 |
| Net interest margin | 5.6598% | 138 |
| Noninterest income to average assets | 2.8436% | 272 |
| Noninterest expense to average assets | 5.7001% | 255 |
| Loan and lease loss provision to assets | 0.8844% | 516 |
| Net operating income to assets | 0.8347% | 3,119 |
| Return on assets (ROA) | 0.8347% | 3,376 |
| Pretax return on assets | 1.2910% | 2,447 |
| Return on Equity (ROE) | 5.6043% | 4,366 |
| Retained earnings to average equity (ytd only) | 5.6043% | 2,309 |
| Net charge-offs to loans | 1.0129% | 1,074 |
| Credit loss provision to net charge-offs | 131.5113% | 2,130 |
| Earnings coverage of net charge-offs (x) | 3.2347% | 3,811 |
| Efficiency ratio | 72.3778% | 3,346 |
| Assets per employee ($millions) | 2.0893% | 6,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8652% | 2,402 |
| Loan loss allowance to noncurrent loans | 17.8418% | 6,442 |
| Noncurrent assets plus other real estate owned to assets | 6.6789% | 484 |
| Noncurrent loans to loans | 10.4541% | 211 |
| Net loans and leases to total assets | 61.0673% | 3,404 |
| Net loans and leases to deposits | 73.3209% | 3,205 |
| Net loans and leases to core deposits | 73.3209% | 3,876 |
| Total domestic deposits to total assets | 83.2878% | 4,609 |
| Equity capital to assets | 14.0937% | 1,008 |
| Core capital (leverage) ratio | 14.4275% | 689 |
| Tier 1 risk-based capital ratio | 23.0767% | 1,103 |
| Total risk-based capital ratio | 24.3339% | 1,083 |
| Memoranda: |
| Average total assets | $46,244,600 | 6,322 |
| Average earning assets | $41,114,600 | 6,327 |
| Average equity | $6,887,600 | 5,793 |
| Average total loans | $30,704,800 | 5,915 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1854% | 219 |
| Cost of funding earning assets | 0.3785% | 6,242 |
| Net interest margin | 5.8069% | 118 |
| Noninterest income to average assets | 2.7685% | 277 |
| Noninterest expense to average assets | 6.1231% | 203 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0544% | 2,273 |
| Return on assets (ROA) | 1.0544% | 2,486 |
| Pretax return on assets | 1.7966% | 1,056 |
| Return on Equity (ROE) | 6.9756% | 3,834 |
| Retained earnings to average equity (ytd only) | 6.9756% | 2,147 |
| Net charge-offs to loans | 0.0174% | 5,432 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 152.5910% | 287 |
| Efficiency ratio | 77.3150% | 2,478 |
| Assets per employee ($millions) | 1.9635% | 7,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5428% | 3,760 |
| Loan loss allowance to noncurrent loans | 16.3106% | 6,571 |
| Noncurrent assets plus other real estate owned to assets | 6.4426% | 594 |
| Noncurrent loans to loans | 9.4589% | 280 |
| Net loans and leases to total assets | 65.1388% | 2,810 |
| Net loans and leases to deposits | 80.1148% | 2,373 |
| Net loans and leases to core deposits | 80.1148% | 3,194 |
| Total domestic deposits to total assets | 81.3068% | 5,262 |
| Equity capital to assets | 14.9414% | 838 |
| Core capital (leverage) ratio | 15.0942% | 596 |
| Tier 1 risk-based capital ratio | 23.2776% | 1,134 |
| Total risk-based capital ratio | 24.5305% | 1,108 |
| Memoranda: |
| Average total assets | $45,270,000 | 6,417 |
| Average earning assets | $40,158,250 | 6,427 |
| Average equity | $6,842,750 | 5,874 |
| Average total loans | $30,580,250 | 5,998 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2552% | 199 |
| Cost of funding earning assets | 0.3846% | 6,355 |
| Net interest margin | 5.8706% | 106 |
| Noninterest income to average assets | 2.6113% | 283 |
| Noninterest expense to average assets | 6.3782% | 187 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7614% | 3,549 |
| Return on assets (ROA) | 0.7614% | 3,821 |
| Pretax return on assets | 1.4288% | 2,093 |
| Return on Equity (ROE) | 5.0172% | 4,802 |
| Retained earnings to average equity (ytd only) | 5.0172% | 3,273 |
| Net charge-offs to loans | -0.1580% | 6,958 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6982% | 1,928 |
| Assets per employee ($millions) | 1.9563% | 7,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7128% | 3,172 |
| Loan loss allowance to noncurrent loans | 18.9925% | 6,545 |
| Noncurrent assets plus other real estate owned to assets | 5.8933% | 731 |
| Noncurrent loans to loans | 9.0181% | 340 |
| Net loans and leases to total assets | 62.2103% | 3,388 |
| Net loans and leases to deposits | 75.7102% | 3,027 |
| Net loans and leases to core deposits | 75.7102% | 3,791 |
| Total domestic deposits to total assets | 82.1690% | 5,067 |
| Equity capital to assets | 14.5958% | 889 |
| Core capital (leverage) ratio | 15.1474% | 574 |
| Tier 1 risk-based capital ratio | 24.6183% | 945 |
| Total risk-based capital ratio | 25.8756% | 929 |
| Memoranda: |
| Average total assets | $44,652,000 | 6,473 |
| Average earning assets | $39,519,000 | 6,494 |
| Average equity | $6,776,670 | 5,910 |
| Average total loans | $30,381,330 | 6,047 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8252% | 108 |
| Cost of funding earning assets | 0.3855% | 6,484 |
| Net interest margin | 6.4397% | 70 |
| Noninterest income to average assets | 2.6849% | 276 |
| Noninterest expense to average assets | 6.5928% | 165 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0390% | 2,328 |
| Return on assets (ROA) | 1.0390% | 2,519 |
| Pretax return on assets | 1.7746% | 1,134 |
| Return on Equity (ROE) | 6.7077% | 3,944 |
| Retained earnings to average equity (ytd only) | 6.7077% | 2,582 |
| Net charge-offs to loans | -0.7033% | 7,183 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7912% | 2,379 |
| Assets per employee ($millions) | 1.7710% | 7,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8134% | 2,948 |
| Loan loss allowance to noncurrent loans | 43.4923% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 3.1149% | 1,860 |
| Noncurrent loans to loans | 4.1695% | 1,449 |
| Net loans and leases to total assets | 68.5331% | 2,018 |
| Net loans and leases to deposits | 84.8455% | 1,555 |
| Net loans and leases to core deposits | 84.8455% | 2,430 |
| Total domestic deposits to total assets | 80.7740% | 5,659 |
| Equity capital to assets | 15.9864% | 578 |
| Core capital (leverage) ratio | 16.0350% | 459 |
| Tier 1 risk-based capital ratio | 25.4057% | 866 |
| Total risk-based capital ratio | 26.6657% | 841 |
| Memoranda: |
| Average total assets | $43,502,000 | 6,545 |
| Average earning assets | $38,387,000 | 6,585 |
| Average equity | $6,738,500 | 5,954 |
| Average total loans | $30,713,000 | 6,074 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7740% | 131 |
| Cost of funding earning assets | 0.4875% | 6,583 |
| Net interest margin | 6.2865% | 72 |
| Noninterest income to average assets | 3.4880% | 177 |
| Noninterest expense to average assets | 6.7728% | 150 |
| Loan and lease loss provision to assets | 0.5644% | 1,849 |
| Net operating income to assets | 1.0566% | 1,977 |
| Return on assets (ROA) | 1.0566% | 2,123 |
| Pretax return on assets | 1.7406% | 908 |
| Return on Equity (ROE) | 7.2401% | 3,286 |
| Retained earnings to average equity (ytd only) | 7.2401% | 1,390 |
| Net charge-offs to loans | 0.9034% | 1,920 |
| Credit loss provision to net charge-offs | 84.4595% | 4,261 |
| Earnings coverage of net charge-offs (x) | 3.4493% | 3,518 |
| Efficiency ratio | 74.6083% | 3,123 |
| Assets per employee ($millions) | 1.9347% | 7,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5240% | 3,911 |
| Loan loss allowance to noncurrent loans | 32.3746% | 6,054 |
| Noncurrent assets plus other real estate owned to assets | 3.5551% | 1,664 |
| Noncurrent loans to loans | 4.7075% | 1,248 |
| Net loans and leases to total assets | 70.2802% | 1,977 |
| Net loans and leases to deposits | 85.3525% | 1,755 |
| Net loans and leases to core deposits | 87.7473% | 2,401 |
| Total domestic deposits to total assets | 82.3412% | 5,012 |
| Equity capital to assets | 15.0161% | 779 |
| Core capital (leverage) ratio | 14.8301% | 639 |
| Tier 1 risk-based capital ratio | 23.6749% | 1,001 |
| Total risk-based capital ratio | 24.9291% | 989 |
| Memoranda: |
| Average total assets | $44,294,600 | 6,527 |
| Average earning assets | $39,386,000 | 6,553 |
| Average equity | $6,464,000 | 6,023 |
| Average total loans | $32,766,200 | 6,026 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7534% | 140 |
| Cost of funding earning assets | 0.5078% | 6,667 |
| Net interest margin | 6.2456% | 76 |
| Noninterest income to average assets | 3.6464% | 175 |
| Noninterest expense to average assets | 6.8920% | 144 |
| Loan and lease loss provision to assets | 0.3014% | 3,114 |
| Net operating income to assets | 1.3501% | 1,268 |
| Return on assets (ROA) | 1.3501% | 1,353 |
| Pretax return on assets | 2.0131% | 612 |
| Return on Equity (ROE) | 9.3193% | 2,457 |
| Retained earnings to average equity (ytd only) | 9.3193% | 1,040 |
| Net charge-offs to loans | 0.5371% | 2,622 |
| Credit loss provision to net charge-offs | 75.1880% | 4,303 |
| Earnings coverage of net charge-offs (x) | 5.7744% | 2,698 |
| Efficiency ratio | 74.8609% | 3,028 |
| Assets per employee ($millions) | 1.7696% | 7,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4743% | 4,228 |
| Loan loss allowance to noncurrent loans | 30.6412% | 6,217 |
| Noncurrent assets plus other real estate owned to assets | 4.1600% | 1,471 |
| Noncurrent loans to loans | 4.8115% | 1,338 |
| Net loans and leases to total assets | 72.1887% | 1,670 |
| Net loans and leases to deposits | 87.4536% | 1,502 |
| Net loans and leases to core deposits | 94.9460% | 1,709 |
| Total domestic deposits to total assets | 82.5451% | 4,857 |
| Equity capital to assets | 14.4795% | 998 |
| Core capital (leverage) ratio | 14.6912% | 730 |
| Tier 1 risk-based capital ratio | 22.5471% | 1,209 |
| Total risk-based capital ratio | 23.8028% | 1,184 |
| Memoranda: |
| Average total assets | $44,243,500 | 6,586 |
| Average earning assets | $39,386,750 | 6,614 |
| Average equity | $6,409,500 | 6,083 |
| Average total loans | $33,018,250 | 6,072 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7098% | 162 |
| Cost of funding earning assets | 0.5331% | 6,729 |
| Net interest margin | 6.1767% | 82 |
| Noninterest income to average assets | 3.1932% | 214 |
| Noninterest expense to average assets | 6.8400% | 148 |
| Loan and lease loss provision to assets | 0.2291% | 3,620 |
| Net operating income to assets | 1.1316% | 1,785 |
| Return on assets (ROA) | 1.1316% | 1,861 |
| Pretax return on assets | 1.6447% | 1,164 |
| Return on Equity (ROE) | 7.8099% | 3,035 |
| Retained earnings to average equity (ytd only) | 7.8099% | 1,526 |
| Net charge-offs to loans | 0.4148% | 2,893 |
| Credit loss provision to net charge-offs | 73.5294% | 3,962 |
| Earnings coverage of net charge-offs (x) | 6.0147% | 2,488 |
| Efficiency ratio | 78.4963% | 2,631 |
| Assets per employee ($millions) | 1.8583% | 7,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5119% | 4,077 |
| Loan loss allowance to noncurrent loans | 32.5907% | 6,114 |
| Noncurrent assets plus other real estate owned to assets | 4.2647% | 1,490 |
| Noncurrent loans to loans | 4.6390% | 1,423 |
| Net loans and leases to total assets | 74.7842% | 1,264 |
| Net loans and leases to deposits | 90.1676% | 1,251 |
| Net loans and leases to core deposits | 98.2444% | 1,490 |
| Total domestic deposits to total assets | 82.9391% | 4,783 |
| Equity capital to assets | 14.4869% | 943 |
| Core capital (leverage) ratio | 14.6581% | 734 |
| Tier 1 risk-based capital ratio | 20.9040% | 1,442 |
| Total risk-based capital ratio | 22.1593% | 1,419 |
| Memoranda: |
| Average total assets | $43,654,670 | 6,655 |
| Average earning assets | $39,017,670 | 6,683 |
| Average equity | $6,325,330 | 6,132 |
| Average total loans | $32,787,330 | 6,148 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5709% | 190 |
| Cost of funding earning assets | 0.5709% | 6,723 |
| Net interest margin | 6.0000% | 99 |
| Noninterest income to average assets | 3.0846% | 213 |
| Noninterest expense to average assets | 7.2993% | 136 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8059% | 2,998 |
| Return on assets (ROA) | 0.8059% | 3,063 |
| Pretax return on assets | 1.1394% | 2,608 |
| Return on Equity (ROE) | 5.5613% | 4,133 |
| Retained earnings to average equity (ytd only) | 5.5613% | 2,876 |
| Net charge-offs to loans | 0.4589% | 2,316 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 3.3243% | 2,778 |
| Efficiency ratio | 86.4984% | 1,654 |
| Assets per employee ($millions) | 1.8173% | 7,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4924% | 4,249 |
| Loan loss allowance to noncurrent loans | 29.8065% | 6,310 |
| Noncurrent assets plus other real estate owned to assets | 5.1704% | 1,213 |
| Noncurrent loans to loans | 5.0071% | 1,346 |
| Net loans and leases to total assets | 74.6091% | 1,250 |
| Net loans and leases to deposits | 91.1331% | 1,102 |
| Net loans and leases to core deposits | 99.7731% | 1,360 |
| Total domestic deposits to total assets | 81.8682% | 5,360 |
| Equity capital to assets | 14.4472% | 895 |
| Core capital (leverage) ratio | 14.8392% | 687 |
| Tier 1 risk-based capital ratio | 20.0547% | 1,577 |
| Total risk-based capital ratio | 21.3024% | 1,542 |
| Memoranda: |
| Average total assets | $43,182,500 | 6,723 |
| Average earning assets | $38,533,500 | 6,740 |
| Average equity | $6,257,500 | 6,165 |
| Average total loans | $32,248,500 | 6,226 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0401% | 144 |
| Cost of funding earning assets | 0.7108% | 6,851 |
| Net interest margin | 6.3294% | 76 |
| Noninterest income to average assets | 3.0027% | 232 |
| Noninterest expense to average assets | 6.9434% | 160 |
| Loan and lease loss provision to assets | 0.6044% | 2,716 |
| Net operating income to assets | 0.6793% | 3,304 |
| Return on assets (ROA) | 0.6793% | 3,438 |
| Pretax return on assets | 0.8800% | 3,380 |
| Return on Equity (ROE) | 4.6539% | 4,229 |
| Retained earnings to average equity (ytd only) | 4.6539% | 2,636 |
| Net charge-offs to loans | 0.9085% | 2,374 |
| Credit loss provision to net charge-offs | 93.9850% | 4,944 |
| Earnings coverage of net charge-offs (x) | 2.3083% | 3,993 |
| Efficiency ratio | 82.3867% | 2,113 |
| Assets per employee ($millions) | 1.7813% | 7,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6845% | 3,274 |
| Loan loss allowance to noncurrent loans | 60.2273% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 3.7169% | 1,851 |
| Noncurrent loans to loans | 2.7968% | 2,727 |
| Net loans and leases to total assets | 72.3585% | 2,015 |
| Net loans and leases to deposits | 90.0763% | 1,511 |
| Net loans and leases to core deposits | 90.0763% | 2,755 |
| Total domestic deposits to total assets | 80.3303% | 5,741 |
| Equity capital to assets | 14.5353% | 894 |
| Core capital (leverage) ratio | 14.5903% | 733 |
| Tier 1 risk-based capital ratio | 19.9096% | 1,500 |
| Total risk-based capital ratio | 21.1656% | 1,474 |
| Memoranda: |
| Average total assets | $41,363,200 | 6,815 |
| Average earning assets | $35,453,800 | 6,896 |
| Average equity | $6,038,000 | 6,348 |
| Average total loans | $29,279,600 | 6,436 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0282% | 142 |
| Cost of funding earning assets | 0.7314% | 6,966 |
| Net interest margin | 6.2968% | 76 |
| Noninterest income to average assets | 2.7143% | 250 |
| Noninterest expense to average assets | 7.0019% | 151 |
| Loan and lease loss provision to assets | 0.1625% | 5,408 |
| Net operating income to assets | 0.5494% | 4,093 |
| Return on assets (ROA) | 0.5494% | 4,263 |
| Pretax return on assets | 0.9232% | 3,475 |
| Return on Equity (ROE) | 3.7593% | 4,887 |
| Retained earnings to average equity (ytd only) | 3.7593% | 3,812 |
| Net charge-offs to loans | 0.3851% | 3,748 |
| Credit loss provision to net charge-offs | 60.2410% | 5,685 |
| Earnings coverage of net charge-offs (x) | 4.0242% | 3,210 |
| Efficiency ratio | 86.5756% | 1,572 |
| Assets per employee ($millions) | 1.7839% | 7,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7238% | 3,086 |
| Loan loss allowance to noncurrent loans | 90.0000% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 3.9678% | 1,768 |
| Noncurrent loans to loans | 1.9153% | 3,783 |
| Net loans and leases to total assets | 71.2820% | 2,410 |
| Net loans and leases to deposits | 86.6424% | 2,211 |
| Net loans and leases to core deposits | 86.6424% | 3,567 |
| Total domestic deposits to total assets | 82.2715% | 4,884 |
| Equity capital to assets | 14.8720% | 924 |
| Core capital (leverage) ratio | 14.9084% | 733 |
| Tier 1 risk-based capital ratio | 20.2469% | 1,501 |
| Total risk-based capital ratio | 21.5011% | 1,469 |
| Memoranda: |
| Average total assets | $41,016,250 | 6,904 |
| Average earning assets | $35,000,750 | 6,997 |
| Average equity | $5,994,000 | 6,446 |
| Average total loans | $28,733,500 | 6,544 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8327% | 192 |
| Cost of funding earning assets | 0.7413% | 7,089 |
| Net interest margin | 6.0914% | 88 |
| Noninterest income to average assets | 2.1604% | 318 |
| Noninterest expense to average assets | 6.7054% | 169 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3706% | 4,891 |
| Return on assets (ROA) | 0.3706% | 5,052 |
| Pretax return on assets | 0.6242% | 4,492 |
| Return on Equity (ROE) | 2.5512% | 5,437 |
| Retained earnings to average equity (ytd only) | 2.5512% | 4,526 |
| Net charge-offs to loans | 0.1902% | 4,469 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 4.7407% | 2,861 |
| Efficiency ratio | 91.4837% | 1,219 |
| Assets per employee ($millions) | 1.8700% | 7,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7814% | 2,781 |
| Loan loss allowance to noncurrent loans | 55.6270% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 4.9877% | 1,294 |
| Noncurrent loans to loans | 3.2024% | 2,502 |
| Net loans and leases to total assets | 69.5535% | 3,007 |
| Net loans and leases to deposits | 83.7872% | 2,908 |
| Net loans and leases to core deposits | 83.7872% | 4,159 |
| Total domestic deposits to total assets | 83.0121% | 4,572 |
| Equity capital to assets | 14.6059% | 975 |
| Core capital (leverage) ratio | 14.7034% | 784 |
| Tier 1 risk-based capital ratio | 20.7838% | 1,376 |
| Total risk-based capital ratio | 22.0393% | 1,349 |
| Memoranda: |
| Average total assets | $41,011,670 | 6,960 |
| Average earning assets | $34,803,000 | 7,050 |
| Average equity | $5,958,000 | 6,480 |
| Average total loans | $28,391,330 | 6,610 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7778% | 229 |
| Cost of funding earning assets | 0.7595% | 7,208 |
| Net interest margin | 6.0183% | 104 |
| Noninterest income to average assets | 1.7974% | 400 |
| Noninterest expense to average assets | 6.9065% | 155 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.0098% | 6,317 |
| Return on assets (ROA) | -0.0098% | 6,412 |
| Pretax return on assets | 0.0000% | 6,350 |
| Return on Equity (ROE) | -0.0674% | 6,414 |
| Retained earnings to average equity (ytd only) | -0.0674% | 5,845 |
| Net charge-offs to loans | 0.1428% | 4,078 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 5,023 |
| Efficiency ratio | 100.0000% | 837 |
| Assets per employee ($millions) | 1.9201% | 7,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9382% | 2,340 |
| Loan loss allowance to noncurrent loans | 50.0467% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 4.9723% | 1,299 |
| Noncurrent loans to loans | 3.8729% | 2,043 |
| Net loans and leases to total assets | 67.2519% | 3,562 |
| Net loans and leases to deposits | 80.5740% | 3,538 |
| Net loans and leases to core deposits | 80.5740% | 4,689 |
| Total domestic deposits to total assets | 83.4660% | 4,402 |
| Equity capital to assets | 14.7112% | 957 |
| Core capital (leverage) ratio | 14.8363% | 785 |
| Tier 1 risk-based capital ratio | 21.9614% | 1,207 |
| Total risk-based capital ratio | 23.2202% | 1,188 |
| Memoranda: |
| Average total assets | $40,947,000 | 7,056 |
| Average earning assets | $34,760,500 | 7,137 |
| Average equity | $5,932,500 | 6,545 |
| Average total loans | $28,020,000 | 6,717 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0073% | 279 |
| Cost of funding earning assets | 1.0570% | 7,083 |
| Net interest margin | 5.9503% | 117 |
| Noninterest income to average assets | 2.4036% | 290 |
| Noninterest expense to average assets | 5.7418% | 346 |
| Loan and lease loss provision to assets | 0.8874% | 2,525 |
| Net operating income to assets | 0.4176% | 4,061 |
| Return on assets (ROA) | 0.4176% | 4,163 |
| Pretax return on assets | 0.9097% | 2,894 |
| Return on Equity (ROE) | 2.9257% | 4,535 |
| Retained earnings to average equity (ytd only) | 2.9257% | 3,119 |
| Net charge-offs to loans | 1.2378% | 1,994 |
| Credit loss provision to net charge-offs | 97.8082% | 5,695 |
| Earnings coverage of net charge-offs (x) | 1.9808% | 4,234 |
| Efficiency ratio | 76.1622% | 3,497 |
| Assets per employee ($millions) | 1.8896% | 7,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9235% | 2,207 |
| Loan loss allowance to noncurrent loans | 43.1280% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 5.3162% | 1,112 |
| Noncurrent loans to loans | 4.4599% | 1,596 |
| Net loans and leases to total assets | 66.9698% | 3,932 |
| Net loans and leases to deposits | 79.4747% | 4,093 |
| Net loans and leases to core deposits | 81.5179% | 5,954 |
| Total domestic deposits to total assets | 84.2655% | 3,911 |
| Equity capital to assets | 14.2720% | 1,090 |
| Core capital (leverage) ratio | 14.5881% | 862 |
| Tier 1 risk-based capital ratio | 21.3887% | 1,239 |
| Total risk-based capital ratio | 22.6468% | 1,208 |
| Memoranda: |
| Average total assets | $40,231,200 | 7,085 |
| Average earning assets | $34,721,000 | 7,151 |
| Average equity | $5,742,200 | 6,699 |
| Average total loans | $29,488,000 | 6,659 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0632% | 278 |
| Cost of funding earning assets | 1.1207% | 7,132 |
| Net interest margin | 5.9425% | 117 |
| Noninterest income to average assets | 1.9951% | 373 |
| Noninterest expense to average assets | 6.4098% | 258 |
| Loan and lease loss provision to assets | 0.8923% | 2,157 |
| Net operating income to assets | -0.2673% | 6,158 |
| Return on assets (ROA) | -0.2673% | 6,169 |
| Pretax return on assets | -0.1504% | 5,910 |
| Return on Equity (ROE) | -1.8730% | 6,080 |
| Retained earnings to average equity (ytd only) | -1.8730% | 5,695 |
| Net charge-offs to loans | 1.0482% | 1,884 |
| Credit loss provision to net charge-offs | 114.1026% | 4,450 |
| Earnings coverage of net charge-offs (x) | 0.9487% | 5,107 |
| Efficiency ratio | 89.6262% | 1,723 |
| Assets per employee ($millions) | 1.8972% | 7,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9883% | 1,830 |
| Loan loss allowance to noncurrent loans | 62.0507% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 4.4477% | 1,381 |
| Noncurrent loans to loans | 3.2043% | 2,364 |
| Net loans and leases to total assets | 72.6287% | 2,875 |
| Net loans and leases to deposits | 87.1514% | 3,122 |
| Net loans and leases to core deposits | 89.3969% | 5,494 |
| Total domestic deposits to total assets | 83.3363% | 4,046 |
| Equity capital to assets | 14.2692% | 1,218 |
| Core capital (leverage) ratio | 13.8750% | 1,121 |
| Tier 1 risk-based capital ratio | 20.4754% | 1,461 |
| Total risk-based capital ratio | 21.7360% | 1,415 |
| Memoranda: |
| Average total assets | $39,896,250 | 7,156 |
| Average earning assets | $34,619,750 | 7,221 |
| Average equity | $5,694,500 | 6,780 |
| Average total loans | $29,763,500 | 6,693 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0413% | 297 |
| Cost of funding earning assets | 1.1909% | 7,130 |
| Net interest margin | 5.8504% | 123 |
| Noninterest income to average assets | 1.7437% | 482 |
| Noninterest expense to average assets | 6.2082% | 302 |
| Loan and lease loss provision to assets | 1.3379% | 1,294 |
| Net operating income to assets | -0.6965% | 6,746 |
| Return on assets (ROA) | -0.6965% | 6,748 |
| Pretax return on assets | -0.7316% | 6,626 |
| Return on Equity (ROE) | -4.8792% | 6,591 |
| Retained earnings to average equity (ytd only) | -4.8792% | 6,281 |
| Net charge-offs to loans | 1.3805% | 1,353 |
| Credit loss provision to net charge-offs | 129.6117% | 3,586 |
| Earnings coverage of net charge-offs (x) | 0.5874% | 5,126 |
| Efficiency ratio | 91.1029% | 1,720 |
| Assets per employee ($millions) | 1.7241% | 8,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0769% | 1,429 |
| Loan loss allowance to noncurrent loans | 48.2732% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 4.7610% | 1,159 |
| Noncurrent loans to loans | 4.3023% | 1,524 |
| Net loans and leases to total assets | 70.0783% | 3,690 |
| Net loans and leases to deposits | 82.9125% | 4,060 |
| Net loans and leases to core deposits | 84.9306% | 6,018 |
| Total domestic deposits to total assets | 84.5208% | 3,494 |
| Equity capital to assets | 13.5966% | 1,463 |
| Core capital (leverage) ratio | 13.9085% | 1,161 |
| Tier 1 risk-based capital ratio | 20.5403% | 1,476 |
| Total risk-based capital ratio | 21.8036% | 1,435 |
| Memoranda: |
| Average total assets | $39,914,670 | 7,213 |
| Average earning assets | $34,595,670 | 7,288 |
| Average equity | $5,697,670 | 6,832 |
| Average total loans | $29,843,670 | 6,743 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1204% | 278 |
| Cost of funding earning assets | 1.2656% | 7,130 |
| Net interest margin | 5.8548% | 119 |
| Noninterest income to average assets | 2.5317% | 248 |
| Noninterest expense to average assets | 7.7380% | 164 |
| Loan and lease loss provision to assets | 0.4594% | 2,632 |
| Net operating income to assets | -0.6329% | 6,995 |
| Return on assets (ROA) | -0.6329% | 7,035 |
| Pretax return on assets | -0.6125% | 6,914 |
| Return on Equity (ROE) | -4.3255% | 6,919 |
| Retained earnings to average equity (ytd only) | -4.3255% | 6,464 |
| Net charge-offs to loans | 0.4673% | 2,277 |
| Credit loss provision to net charge-offs | 128.5714% | 3,110 |
| Earnings coverage of net charge-offs (x) | -0.4286% | 5,226 |
| Efficiency ratio | 102.0188% | 1,052 |
| Assets per employee ($millions) | 1.7564% | 8,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9207% | 1,576 |
| Loan loss allowance to noncurrent loans | 41.0779% | 5,806 |
| Noncurrent assets plus other real estate owned to assets | 5.8358% | 702 |
| Noncurrent loans to loans | 4.6756% | 1,200 |
| Net loans and leases to total assets | 74.5348% | 2,613 |
| Net loans and leases to deposits | 90.0397% | 2,924 |
| Net loans and leases to core deposits | 92.4383% | 5,311 |
| Total domestic deposits to total assets | 82.7799% | 4,253 |
| Equity capital to assets | 14.7589% | 1,170 |
| Core capital (leverage) ratio | 14.5440% | 1,071 |
| Tier 1 risk-based capital ratio | 21.0684% | 1,441 |
| Total risk-based capital ratio | 22.3281% | 1,410 |
| Memoranda: |
| Average total assets | $39,183,000 | 7,289 |
| Average earning assets | $33,818,500 | 7,365 |
| Average equity | $5,733,500 | 6,864 |
| Average total loans | $29,959,500 | 6,764 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4566% | 447 |
| Cost of funding earning assets | 1.5664% | 7,509 |
| Net interest margin | 5.8902% | 124 |
| Noninterest income to average assets | 2.1452% | 309 |
| Noninterest expense to average assets | 5.8278% | 434 |
| Loan and lease loss provision to assets | 0.7789% | 1,921 |
| Net operating income to assets | 0.3856% | 5,211 |
| Return on assets (ROA) | 0.3856% | 5,024 |
| Pretax return on assets | 0.7048% | 4,386 |
| Return on Equity (ROE) | 2.6565% | 5,360 |
| Retained earnings to average equity (ytd only) | 2.6565% | 3,527 |
| Net charge-offs to loans | 1.3186% | 901 |
| Credit loss provision to net charge-offs | 77.8061% | 5,942 |
| Earnings coverage of net charge-offs (x) | 1.4821% | 5,361 |
| Efficiency ratio | 79.7066% | 2,638 |
| Assets per employee ($millions) | 1.8057% | 8,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8132% | 1,599 |
| Loan loss allowance to noncurrent loans | 33.0944% | 6,516 |
| Noncurrent assets plus other real estate owned to assets | 6.3486% | 446 |
| Noncurrent loans to loans | 5.4788% | 750 |
| Net loans and leases to total assets | 75.5192% | 2,753 |
| Net loans and leases to deposits | 92.2623% | 3,086 |
| Net loans and leases to core deposits | 94.6014% | 5,393 |
| Total domestic deposits to total assets | 81.8527% | 4,259 |
| Equity capital to assets | 14.5098% | 1,294 |
| Core capital (leverage) ratio | 14.9241% | 1,055 |
| Tier 1 risk-based capital ratio | 20.8147% | 1,478 |
| Total risk-based capital ratio | 22.0750% | 1,455 |
| Memoranda: |
| Average total assets | $39,157,400 | 7,250 |
| Average earning assets | $34,345,400 | 7,312 |
| Average equity | $5,684,200 | 6,921 |
| Average total loans | $29,729,600 | 6,723 |
