| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9440% | 1,367 |
| Cost of funding earning assets | 2.3784% | 1,394 |
| Net interest margin | 3.5656% | 1,936 |
| Noninterest income to average assets | 0.5800% | 1,577 |
| Noninterest expense to average assets | 3.2542% | 820 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | 0.4148% | 3,654 |
| Return on assets (ROA) | 0.4148% | 3,676 |
| Pretax return on assets | 0.5071% | 3,632 |
| Return on Equity (ROE) | 5.1600% | 3,477 |
| Retained earnings to average equity (ytd only) | 5.1557% | 2,178 |
| Net charge-offs to loans | 0.1144% | 1,075 |
| Credit loss provision to net charge-offs | 170.0692% | 1,274 |
| Earnings coverage of net charge-offs (x) | 6.5242% | 2,500 |
| Efficiency ratio | 83.5986% | 822 |
| Assets per employee ($millions) | 4.6216% | 3,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1925% | 2,211 |
| Loan loss allowance to noncurrent loans | 449.8542% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 2,110 |
| Noncurrent loans to loans | 0.2651% | 2,475 |
| Net loans and leases to total assets | 80.7700% | 567 |
| Net loans and leases to deposits | 96.7328% | 660 |
| Net loans and leases to core deposits | 118.0710% | 662 |
| Total domestic deposits to total assets | 83.4900% | 2,916 |
| Equity capital to assets | 8.1659% | 3,411 |
| Core capital (leverage) ratio | 8.2695% | 4,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8612% | 2,744 |
| Memoranda: |
| Average total assets | $614,063,400 | 1,501 |
| Average earning assets | $565,796,800 | 1,510 |
| Average equity | $49,401,200 | 1,730 |
| Average total loans | $505,041,400 | 1,285 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9376% | 1,349 |
| Cost of funding earning assets | 2.3704% | 1,400 |
| Net interest margin | 3.5672% | 1,892 |
| Noninterest income to average assets | 0.5700% | 1,582 |
| Noninterest expense to average assets | 3.2910% | 739 |
| Loan and lease loss provision to assets | 0.1300% | 993 |
| Net operating income to assets | 0.3554% | 3,767 |
| Return on assets (ROA) | 0.3554% | 3,802 |
| Pretax return on assets | 0.4304% | 3,761 |
| Return on Equity (ROE) | 4.4300% | 3,646 |
| Retained earnings to average equity (ytd only) | 4.4347% | 2,683 |
| Net charge-offs to loans | 0.1121% | 911 |
| Credit loss provision to net charge-offs | 158.7678% | 1,244 |
| Earnings coverage of net charge-offs (x) | 6.0308% | 2,330 |
| Efficiency ratio | 84.9920% | 752 |
| Assets per employee ($millions) | 4.5421% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1805% | 2,316 |
| Loan loss allowance to noncurrent loans | 462.6923% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 2,420 |
| Noncurrent loans to loans | 0.2551% | 2,530 |
| Net loans and leases to total assets | 80.9200% | 522 |
| Net loans and leases to deposits | 97.2602% | 637 |
| Net loans and leases to core deposits | 118.4976% | 653 |
| Total domestic deposits to total assets | 83.2000% | 2,788 |
| Equity capital to assets | 8.2800% | 3,546 |
| Core capital (leverage) ratio | 8.1902% | 4,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7761% | 2,791 |
| Memoranda: |
| Average total assets | $609,289,500 | 1,501 |
| Average earning assets | $560,502,250 | 1,519 |
| Average equity | $48,825,750 | 1,734 |
| Average total loans | $501,913,500 | 1,282 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8331% | 1,408 |
| Cost of funding earning assets | 2.3151% | 1,418 |
| Net interest margin | 3.5180% | 1,925 |
| Noninterest income to average assets | 0.5800% | 1,524 |
| Noninterest expense to average assets | 3.3400% | 691 |
| Loan and lease loss provision to assets | 0.1600% | 715 |
| Net operating income to assets | 0.2615% | 3,907 |
| Return on assets (ROA) | 0.2615% | 3,945 |
| Pretax return on assets | 0.3111% | 3,919 |
| Return on Equity (ROE) | 3.3000% | 3,842 |
| Retained earnings to average equity (ytd only) | 3.3009% | 2,956 |
| Net charge-offs to loans | 0.0833% | 970 |
| Credit loss provision to net charge-offs | 248.5577% | 898 |
| Earnings coverage of net charge-offs (x) | 6.8846% | 2,135 |
| Efficiency ratio | 87.0481% | 705 |
| Assets per employee ($millions) | 4.5925% | 3,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1865% | 2,315 |
| Loan loss allowance to noncurrent loans | 491.9838% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.1992% | 2,409 |
| Noncurrent loans to loans | 0.2412% | 2,517 |
| Net loans and leases to total assets | 81.6200% | 506 |
| Net loans and leases to deposits | 101.6289% | 474 |
| Net loans and leases to core deposits | 125.9052% | 491 |
| Total domestic deposits to total assets | 80.3100% | 3,404 |
| Equity capital to assets | 8.0312% | 3,404 |
| Core capital (leverage) ratio | 8.2697% | 4,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5575% | 2,827 |
| Memoranda: |
| Average total assets | $604,961,333 | 1,513 |
| Average earning assets | $555,661,000 | 1,524 |
| Average equity | $47,926,333 | 1,732 |
| Average total loans | $499,372,667 | 1,290 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7250% | 1,444 |
| Cost of funding earning assets | 2.2454% | 1,459 |
| Net interest margin | 3.4796% | 1,933 |
| Noninterest income to average assets | 0.3900% | 2,363 |
| Noninterest expense to average assets | 3.3081% | 719 |
| Loan and lease loss provision to assets | 0.1600% | 649 |
| Net operating income to assets | 0.1024% | 4,111 |
| Return on assets (ROA) | 0.1024% | 4,147 |
| Pretax return on assets | 0.1098% | 4,148 |
| Return on Equity (ROE) | 1.3000% | 4,106 |
| Retained earnings to average equity (ytd only) | 1.3023% | 3,415 |
| Net charge-offs to loans | 0.1404% | 588 |
| Credit loss provision to net charge-offs | 132.3699% | 998 |
| Earnings coverage of net charge-offs (x) | 2.3179% | 2,007 |
| Efficiency ratio | 91.9131% | 520 |
| Assets per employee ($millions) | 4.1826% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1709% | 2,429 |
| Loan loss allowance to noncurrent loans | 333.1236% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3988% | 1,542 |
| Noncurrent loans to loans | 0.3515% | 2,077 |
| Net loans and leases to total assets | 81.6000% | 459 |
| Net loans and leases to deposits | 98.7447% | 544 |
| Net loans and leases to core deposits | 121.4635% | 593 |
| Total domestic deposits to total assets | 82.6400% | 3,065 |
| Equity capital to assets | 7.7962% | 3,501 |
| Core capital (leverage) ratio | 8.0622% | 4,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.0999% | 2,865 |
| Memoranda: |
| Average total assets | $597,451,500 | 1,530 |
| Average earning assets | $547,419,500 | 1,551 |
| Average equity | $46,993,500 | 1,747 |
| Average total loans | $493,019,000 | 1,297 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4789% | 1,191 |
| Cost of funding earning assets | 1.5796% | 1,742 |
| Net interest margin | 3.8993% | 1,378 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 3.8337% | 415 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 0.3484% | 3,958 |
| Return on assets (ROA) | 0.3484% | 3,952 |
| Pretax return on assets | 0.4200% | 3,933 |
| Return on Equity (ROE) | 4.3600% | 3,834 |
| Retained earnings to average equity (ytd only) | 4.3638% | 2,841 |
| Net charge-offs to loans | 0.0843% | 1,021 |
| Credit loss provision to net charge-offs | 84.4784% | 1,988 |
| Earnings coverage of net charge-offs (x) | 5.3919% | 2,531 |
| Efficiency ratio | 90.5520% | 396 |
| Assets per employee ($millions) | 4.0314% | 4,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1800% | 2,405 |
| Loan loss allowance to noncurrent loans | 1,866.3430% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 2,450 |
| Noncurrent loans to loans | 0.0632% | 3,260 |
| Net loans and leases to total assets | 81.5000% | 475 |
| Net loans and leases to deposits | 97.9689% | 654 |
| Net loans and leases to core deposits | 114.9069% | 785 |
| Total domestic deposits to total assets | 83.1900% | 2,841 |
| Equity capital to assets | 7.9362% | 3,458 |
| Core capital (leverage) ratio | 8.1070% | 4,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1192% | 2,887 |
| Memoranda: |
| Average total assets | $564,255,800 | 1,570 |
| Average earning assets | $519,242,800 | 1,581 |
| Average equity | $45,052,400 | 1,730 |
| Average total loans | $466,356,000 | 1,308 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4013% | 1,132 |
| Cost of funding earning assets | 1.4148% | 1,824 |
| Net interest margin | 3.9864% | 1,246 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 3.7199% | 438 |
| Loan and lease loss provision to assets | -0.1300% | 4,559 |
| Net operating income to assets | 0.6093% | 3,524 |
| Return on assets (ROA) | 0.6093% | 3,513 |
| Pretax return on assets | 0.7495% | 3,451 |
| Return on Equity (ROE) | 7.6200% | 3,285 |
| Retained earnings to average equity (ytd only) | 7.6184% | 2,098 |
| Net charge-offs to loans | 0.0770% | 945 |
| Credit loss provision to net charge-offs | 33.4586% | 1,958 |
| Earnings coverage of net charge-offs (x) | 9.7481% | 2,156 |
| Efficiency ratio | 85.1858% | 553 |
| Assets per employee ($millions) | 4.1247% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1601% | 2,573 |
| Loan loss allowance to noncurrent loans | 1,223.3766% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 2,330 |
| Noncurrent loans to loans | 0.0948% | 3,101 |
| Net loans and leases to total assets | 81.6400% | 464 |
| Net loans and leases to deposits | 98.1251% | 610 |
| Net loans and leases to core deposits | 109.3357% | 895 |
| Total domestic deposits to total assets | 83.2000% | 2,980 |
| Equity capital to assets | 7.9301% | 3,101 |
| Core capital (leverage) ratio | 8.2384% | 4,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2185% | 2,899 |
| Memoranda: |
| Average total assets | $557,167,000 | 1,590 |
| Average earning assets | $513,127,000 | 1,589 |
| Average equity | $44,557,750 | 1,731 |
| Average total loans | $460,758,250 | 1,318 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2865% | 1,097 |
| Cost of funding earning assets | 1.2399% | 1,882 |
| Net interest margin | 4.0466% | 1,161 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 3.7970% | 404 |
| Loan and lease loss provision to assets | -0.1200% | 4,579 |
| Net operating income to assets | 0.6162% | 3,539 |
| Return on assets (ROA) | 0.6162% | 3,543 |
| Pretax return on assets | 0.7579% | 3,492 |
| Return on Equity (ROE) | 7.6800% | 3,322 |
| Retained earnings to average equity (ytd only) | 7.6816% | 2,072 |
| Net charge-offs to loans | 0.0836% | 763 |
| Credit loss provision to net charge-offs | -100.0000% | 4,542 |
| Earnings coverage of net charge-offs (x) | 9.2593% | 2,028 |
| Efficiency ratio | 85.0507% | 541 |
| Assets per employee ($millions) | 3.9387% | 4,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1655% | 2,623 |
| Loan loss allowance to noncurrent loans | 6,411.7647% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.1285% | 2,651 |
| Noncurrent loans to loans | 0.0182% | 3,631 |
| Net loans and leases to total assets | 80.3700% | 599 |
| Net loans and leases to deposits | 96.7853% | 685 |
| Net loans and leases to core deposits | 108.0937% | 904 |
| Total domestic deposits to total assets | 83.0400% | 3,038 |
| Equity capital to assets | 7.8816% | 3,291 |
| Core capital (leverage) ratio | 8.3201% | 4,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1399% | 2,926 |
| Memoranda: |
| Average total assets | $546,279,000 | 1,615 |
| Average earning assets | $502,941,667 | 1,625 |
| Average equity | $43,819,000 | 1,758 |
| Average total loans | $451,949,333 | 1,316 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2767% | 851 |
| Cost of funding earning assets | 1.0166% | 1,993 |
| Net interest margin | 4.2601% | 864 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 3.9181% | 375 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6009% | 3,689 |
| Return on assets (ROA) | 0.6009% | 3,652 |
| Pretax return on assets | 0.7377% | 3,592 |
| Return on Equity (ROE) | 7.4200% | 3,427 |
| Retained earnings to average equity (ytd only) | 7.4210% | 2,385 |
| Net charge-offs to loans | 0.0739% | 706 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 11.9634% | 1,622 |
| Efficiency ratio | 83.6537% | 609 |
| Assets per employee ($millions) | 3.6286% | 4,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2664% | 2,204 |
| Loan loss allowance to noncurrent loans | 26,122.7273% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 2,651 |
| Noncurrent loans to loans | 0.0048% | 3,814 |
| Net loans and leases to total assets | 81.2400% | 436 |
| Net loans and leases to deposits | 95.5195% | 679 |
| Net loans and leases to core deposits | 103.9744% | 926 |
| Total domestic deposits to total assets | 85.0500% | 2,848 |
| Equity capital to assets | 7.9361% | 3,282 |
| Core capital (leverage) ratio | 8.2522% | 4,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1682% | 3,009 |
| Memoranda: |
| Average total assets | $531,894,500 | 1,675 |
| Average earning assets | $489,852,000 | 1,678 |
| Average equity | $43,067,000 | 1,794 |
| Average total loans | $444,112,500 | 1,346 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3792% | 919 |
| Cost of funding earning assets | 0.1978% | 3,780 |
| Net interest margin | 4.1814% | 564 |
| Noninterest income to average assets | 1.3100% | 406 |
| Noninterest expense to average assets | 3.9231% | 350 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.9207% | 2,881 |
| Return on assets (ROA) | 0.9202% | 2,828 |
| Pretax return on assets | 1.1409% | 2,637 |
| Return on Equity (ROE) | 11.4900% | 2,308 |
| Retained earnings to average equity (ytd only) | 11.4862% | 782 |
| Net charge-offs to loans | 0.0473% | 1,214 |
| Credit loss provision to net charge-offs | 223.7838% | 1,052 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,632 |
| Efficiency ratio | 75.7637% | 1,037 |
| Assets per employee ($millions) | 3.4611% | 4,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3418% | 1,715 |
| Loan loss allowance to noncurrent loans | 1,258.9633% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.2181% | 2,067 |
| Noncurrent loans to loans | 0.1066% | 3,000 |
| Net loans and leases to total assets | 83.6700% | 286 |
| Net loans and leases to deposits | 98.9367% | 479 |
| Net loans and leases to core deposits | 102.0146% | 894 |
| Total domestic deposits to total assets | 84.5700% | 3,090 |
| Equity capital to assets | 8.2700% | 2,881 |
| Core capital (leverage) ratio | 8.7195% | 3,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3824% | 3,038 |
| Memoranda: |
| Average total assets | $498,564,400 | 1,720 |
| Average earning assets | $457,506,000 | 1,734 |
| Average equity | $39,943,600 | 1,917 |
| Average total loans | $391,291,800 | 1,422 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1799% | 929 |
| Cost of funding earning assets | 0.1653% | 3,677 |
| Net interest margin | 4.0146% | 622 |
| Noninterest income to average assets | 1.4800% | 367 |
| Noninterest expense to average assets | 4.0486% | 320 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.8836% | 2,949 |
| Return on assets (ROA) | 0.8830% | 2,920 |
| Pretax return on assets | 1.0938% | 2,744 |
| Return on Equity (ROE) | 11.1100% | 2,331 |
| Retained earnings to average equity (ytd only) | 11.1134% | 1,020 |
| Net charge-offs to loans | 0.0785% | 752 |
| Credit loss provision to net charge-offs | 35.2679% | 1,583 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,757 |
| Efficiency ratio | 77.9603% | 917 |
| Assets per employee ($millions) | 3.4338% | 4,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3354% | 1,863 |
| Loan loss allowance to noncurrent loans | 419.2160% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.3873% | 1,403 |
| Noncurrent loans to loans | 0.3185% | 2,100 |
| Net loans and leases to total assets | 79.8300% | 543 |
| Net loans and leases to deposits | 87.7311% | 1,053 |
| Net loans and leases to core deposits | 90.7548% | 1,254 |
| Total domestic deposits to total assets | 91.0000% | 1,245 |
| Equity capital to assets | 7.5774% | 3,167 |
| Core capital (leverage) ratio | 7.7406% | 4,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.9066% | 3,111 |
| Memoranda: |
| Average total assets | $495,143,750 | 1,740 |
| Average earning assets | $454,229,000 | 1,756 |
| Average equity | $39,338,750 | 1,967 |
| Average total loans | $380,510,250 | 1,449 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9652% | 994 |
| Cost of funding earning assets | 0.1690% | 3,329 |
| Net interest margin | 3.7962% | 757 |
| Noninterest income to average assets | 1.5270% | 329 |
| Noninterest expense to average assets | 4.0099% | 278 |
| Loan and lease loss provision to assets | 0.0321% | 2,011 |
| Net operating income to assets | 0.7738% | 3,051 |
| Return on assets (ROA) | 0.7729% | 3,017 |
| Pretax return on assets | 0.9635% | 2,857 |
| Return on Equity (ROE) | 9.5763% | 2,497 |
| Retained earnings to average equity (ytd only) | 9.5763% | 1,124 |
| Net charge-offs to loans | 0.0183% | 1,371 |
| Credit loss provision to net charge-offs | 232.3529% | 904 |
| Earnings coverage of net charge-offs (x) | 72.1176% | 987 |
| Efficiency ratio | 79.6671% | 970 |
| Assets per employee ($millions) | 3.5135% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0793% | 3,240 |
| Loan loss allowance to noncurrent loans | 257.0228% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.4618% | 1,221 |
| Noncurrent loans to loans | 0.4199% | 1,857 |
| Net loans and leases to total assets | 78.1138% | 543 |
| Net loans and leases to deposits | 86.0097% | 970 |
| Net loans and leases to core deposits | 89.0941% | 1,171 |
| Total domestic deposits to total assets | 90.8198% | 1,326 |
| Equity capital to assets | 7.8837% | 3,214 |
| Core capital (leverage) ratio | 7.9950% | 4,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.0783% | 3,081 |
| Memoranda: |
| Average total assets | $491,936,000 | 1,755 |
| Average earning assets | $450,919,000 | 1,780 |
| Average equity | $39,702,333 | 2,009 |
| Average total loans | $371,208,000 | 1,472 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8574% | 992 |
| Cost of funding earning assets | 0.1827% | 3,051 |
| Net interest margin | 3.6747% | 782 |
| Noninterest income to average assets | 1.5977% | 326 |
| Noninterest expense to average assets | 3.9039% | 301 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8597% | 2,450 |
| Return on assets (ROA) | 0.8597% | 2,440 |
| Pretax return on assets | 1.0652% | 2,246 |
| Return on Equity (ROE) | 10.5262% | 1,791 |
| Retained earnings to average equity (ytd only) | 10.5262% | 899 |
| Net charge-offs to loans | -0.0011% | 3,024 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2170% | 1,295 |
| Assets per employee ($millions) | 3.7159% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1623% | 3,045 |
| Loan loss allowance to noncurrent loans | 289.6787% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.4824% | 1,257 |
| Noncurrent loans to loans | 0.4012% | 2,056 |
| Net loans and leases to total assets | 72.9222% | 745 |
| Net loans and leases to deposits | 80.3991% | 1,116 |
| Net loans and leases to core deposits | 83.5941% | 1,264 |
| Total domestic deposits to total assets | 90.7003% | 1,179 |
| Equity capital to assets | 8.0282% | 3,543 |
| Core capital (leverage) ratio | 7.9710% | 4,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7233% | 3,068 |
| Memoranda: |
| Average total assets | $486,690,500 | 1,777 |
| Average earning assets | $446,514,000 | 1,805 |
| Average equity | $39,748,500 | 2,065 |
| Average total loans | $358,438,500 | 1,496 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3846% | 736 |
| Cost of funding earning assets | 0.3470% | 1,961 |
| Net interest margin | 4.0376% | 659 |
| Noninterest income to average assets | 1.2110% | 723 |
| Noninterest expense to average assets | 3.6331% | 409 |
| Loan and lease loss provision to assets | 0.1795% | 644 |
| Net operating income to assets | 0.8900% | 3,081 |
| Return on assets (ROA) | 0.8900% | 3,138 |
| Pretax return on assets | 1.1186% | 2,907 |
| Return on Equity (ROE) | 10.7328% | 2,263 |
| Retained earnings to average equity (ytd only) | 10.7328% | 756 |
| Net charge-offs to loans | 0.0812% | 989 |
| Credit loss provision to net charge-offs | 289.3993% | 1,086 |
| Earnings coverage of net charge-offs (x) | 20.9329% | 1,838 |
| Efficiency ratio | 73.2637% | 1,391 |
| Assets per employee ($millions) | 3.6863% | 4,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2029% | 2,872 |
| Loan loss allowance to noncurrent loans | 300.4965% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.4864% | 1,370 |
| Noncurrent loans to loans | 0.4003% | 2,153 |
| Net loans and leases to total assets | 72.6175% | 796 |
| Net loans and leases to deposits | 80.4142% | 1,179 |
| Net loans and leases to core deposits | 83.8518% | 1,341 |
| Total domestic deposits to total assets | 90.3044% | 808 |
| Equity capital to assets | 8.3207% | 4,165 |
| Core capital (leverage) ratio | 7.9129% | 4,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2126% | 3,023 |
| Memoranda: |
| Average total assets | $456,389,400 | 1,818 |
| Average earning assets | $420,494,400 | 1,839 |
| Average equity | $37,846,600 | 2,159 |
| Average total loans | $348,617,400 | 1,523 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4744% | 701 |
| Cost of funding earning assets | 0.3862% | 1,811 |
| Net interest margin | 4.0882% | 670 |
| Noninterest income to average assets | 1.1866% | 808 |
| Noninterest expense to average assets | 3.5214% | 448 |
| Loan and lease loss provision to assets | 0.0970% | 1,235 |
| Net operating income to assets | 1.0603% | 2,690 |
| Return on assets (ROA) | 1.0603% | 2,759 |
| Pretax return on assets | 1.3390% | 2,516 |
| Return on Equity (ROE) | 12.7975% | 1,768 |
| Retained earnings to average equity (ytd only) | 12.7975% | 672 |
| Net charge-offs to loans | 0.0157% | 1,769 |
| Credit loss provision to net charge-offs | 800.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 118.3902% | 785 |
| Efficiency ratio | 70.7227% | 1,524 |
| Assets per employee ($millions) | 3.8070% | 4,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1747% | 3,101 |
| Loan loss allowance to noncurrent loans | 234.7263% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.5630% | 1,365 |
| Noncurrent loans to loans | 0.5004% | 2,057 |
| Net loans and leases to total assets | 70.5051% | 1,033 |
| Net loans and leases to deposits | 80.0601% | 1,288 |
| Net loans and leases to core deposits | 83.7012% | 1,449 |
| Total domestic deposits to total assets | 88.0652% | 1,805 |
| Equity capital to assets | 8.3403% | 4,312 |
| Core capital (leverage) ratio | 7.9970% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9682% | 3,093 |
| Memoranda: |
| Average total assets | $450,683,000 | 1,852 |
| Average earning assets | $415,687,500 | 1,870 |
| Average equity | $37,339,750 | 2,209 |
| Average total loans | $347,714,000 | 1,555 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5473% | 677 |
| Cost of funding earning assets | 0.4256% | 1,693 |
| Net interest margin | 4.1217% | 666 |
| Noninterest income to average assets | 0.9392% | 1,176 |
| Noninterest expense to average assets | 3.3028% | 613 |
| Loan and lease loss provision to assets | 0.0805% | 1,512 |
| Net operating income to assets | 1.0798% | 2,606 |
| Return on assets (ROA) | 1.0798% | 2,678 |
| Pretax return on assets | 1.3661% | 2,421 |
| Return on Equity (ROE) | 13.0646% | 1,693 |
| Retained earnings to average equity (ytd only) | 13.0646% | 707 |
| Net charge-offs to loans | 0.0337% | 1,314 |
| Credit loss provision to net charge-offs | 301.6949% | 879 |
| Earnings coverage of net charge-offs (x) | 54.2203% | 1,023 |
| Efficiency ratio | 69.3421% | 1,724 |
| Assets per employee ($millions) | 3.9368% | 4,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1331% | 3,273 |
| Loan loss allowance to noncurrent loans | 137.6712% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.6617% | 1,260 |
| Noncurrent loans to loans | 0.8230% | 1,491 |
| Net loans and leases to total assets | 71.1284% | 1,064 |
| Net loans and leases to deposits | 82.5786% | 1,164 |
| Net loans and leases to core deposits | 86.5700% | 1,377 |
| Total domestic deposits to total assets | 86.1342% | 2,692 |
| Equity capital to assets | 8.2218% | 4,417 |
| Core capital (leverage) ratio | 7.9318% | 4,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7339% | 3,008 |
| Memoranda: |
| Average total assets | $442,287,667 | 1,872 |
| Average earning assets | $408,856,667 | 1,883 |
| Average equity | $36,556,667 | 2,250 |
| Average total loans | $350,452,000 | 1,555 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5854% | 689 |
| Cost of funding earning assets | 0.4924% | 1,437 |
| Net interest margin | 4.0931% | 726 |
| Noninterest income to average assets | 0.7782% | 1,642 |
| Noninterest expense to average assets | 3.2033% | 716 |
| Loan and lease loss provision to assets | 0.1305% | 1,049 |
| Net operating income to assets | 0.9758% | 2,885 |
| Return on assets (ROA) | 0.9758% | 2,979 |
| Pretax return on assets | 1.2330% | 2,752 |
| Return on Equity (ROE) | 11.7720% | 2,102 |
| Retained earnings to average equity (ytd only) | 11.7720% | 1,209 |
| Net charge-offs to loans | 0.0426% | 1,043 |
| Credit loss provision to net charge-offs | 368.4211% | 687 |
| Earnings coverage of net charge-offs (x) | 38.5000% | 993 |
| Efficiency ratio | 70.1429% | 1,678 |
| Assets per employee ($millions) | 4.0831% | 4,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0323% | 3,717 |
| Loan loss allowance to noncurrent loans | 135.8571% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.7140% | 1,300 |
| Noncurrent loans to loans | 0.7598% | 1,716 |
| Net loans and leases to total assets | 81.1986% | 269 |
| Net loans and leases to deposits | 94.5264% | 465 |
| Net loans and leases to core deposits | 99.7912% | 725 |
| Total domestic deposits to total assets | 85.9005% | 2,771 |
| Equity capital to assets | 8.2560% | 4,324 |
| Core capital (leverage) ratio | 8.4746% | 4,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3033% | 2,868 |
| Memoranda: |
| Average total assets | $429,189,000 | 1,905 |
| Average earning assets | $397,257,000 | 1,911 |
| Average equity | $35,576,000 | 2,281 |
| Average total loans | $357,155,500 | 1,536 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7794% | 762 |
| Cost of funding earning assets | 0.7814% | 1,295 |
| Net interest margin | 3.9980% | 975 |
| Noninterest income to average assets | 0.3733% | 3,246 |
| Noninterest expense to average assets | 3.2381% | 991 |
| Loan and lease loss provision to assets | 0.3328% | 1,071 |
| Net operating income to assets | 0.3942% | 4,253 |
| Return on assets (ROA) | 0.3942% | 4,339 |
| Pretax return on assets | 0.4999% | 4,271 |
| Return on Equity (ROE) | 4.3683% | 4,071 |
| Retained earnings to average equity (ytd only) | 4.3683% | 2,610 |
| Net charge-offs to loans | 0.0533% | 2,025 |
| Credit loss provision to net charge-offs | 737.9518% | 968 |
| Earnings coverage of net charge-offs (x) | 18.4639% | 2,024 |
| Efficiency ratio | 79.5448% | 919 |
| Assets per employee ($millions) | 3.9350% | 4,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0702% | 3,595 |
| Loan loss allowance to noncurrent loans | 291.1880% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.4291% | 2,294 |
| Noncurrent loans to loans | 0.3675% | 2,882 |
| Net loans and leases to total assets | 83.5970% | 197 |
| Net loans and leases to deposits | 98.0415% | 459 |
| Net loans and leases to core deposits | 103.7131% | 742 |
| Total domestic deposits to total assets | 85.2669% | 2,665 |
| Equity capital to assets | 8.3255% | 4,563 |
| Core capital (leverage) ratio | 8.1567% | 4,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $368,088,400 | 1,966 |
| Average earning assets | $340,419,400 | 1,981 |
| Average equity | $33,216,600 | 2,328 |
| Average total loans | $311,261,400 | 1,645 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8046% | 874 |
| Cost of funding earning assets | 0.8510% | 1,256 |
| Net interest margin | 3.9536% | 1,228 |
| Noninterest income to average assets | 0.3902% | 3,127 |
| Noninterest expense to average assets | 3.2885% | 920 |
| Loan and lease loss provision to assets | 0.3239% | 1,210 |
| Net operating income to assets | 0.3492% | 4,357 |
| Return on assets (ROA) | 0.3492% | 4,417 |
| Pretax return on assets | 0.4393% | 4,388 |
| Return on Equity (ROE) | 3.7854% | 4,210 |
| Retained earnings to average equity (ytd only) | 3.7854% | 3,148 |
| Net charge-offs to loans | 0.0538% | 1,840 |
| Credit loss provision to net charge-offs | 712.2951% | 1,058 |
| Earnings coverage of net charge-offs (x) | 16.7869% | 2,047 |
| Efficiency ratio | 81.1644% | 781 |
| Assets per employee ($millions) | 4.1270% | 4,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0128% | 3,648 |
| Loan loss allowance to noncurrent loans | 321.6319% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 2,591 |
| Noncurrent loans to loans | 0.3149% | 3,158 |
| Net loans and leases to total assets | 85.4091% | 180 |
| Net loans and leases to deposits | 100.9321% | 500 |
| Net loans and leases to core deposits | 106.7555% | 817 |
| Total domestic deposits to total assets | 84.6203% | 2,587 |
| Equity capital to assets | 8.6503% | 4,370 |
| Core capital (leverage) ratio | 8.0049% | 4,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $357,801,500 | 1,991 |
| Average earning assets | $331,371,500 | 1,999 |
| Average equity | $33,003,000 | 2,325 |
| Average total loans | $302,624,250 | 1,670 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9545% | 893 |
| Cost of funding earning assets | 0.9278% | 1,245 |
| Net interest margin | 4.0267% | 1,261 |
| Noninterest income to average assets | 0.4503% | 2,806 |
| Noninterest expense to average assets | 3.3012% | 996 |
| Loan and lease loss provision to assets | 0.3807% | 1,086 |
| Net operating income to assets | 0.3922% | 4,245 |
| Return on assets (ROA) | 0.3922% | 4,307 |
| Pretax return on assets | 0.4975% | 4,255 |
| Return on Equity (ROE) | 4.1563% | 4,062 |
| Retained earnings to average equity (ytd only) | 4.1563% | 2,840 |
| Net charge-offs to loans | 0.0822% | 1,429 |
| Credit loss provision to net charge-offs | 551.6667% | 1,161 |
| Earnings coverage of net charge-offs (x) | 12.7250% | 2,035 |
| Efficiency ratio | 78.9872% | 965 |
| Assets per employee ($millions) | 4.3105% | 3,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9554% | 3,776 |
| Loan loss allowance to noncurrent loans | 301.8957% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.3883% | 2,742 |
| Noncurrent loans to loans | 0.3165% | 3,253 |
| Net loans and leases to total assets | 83.2556% | 313 |
| Net loans and leases to deposits | 104.1037% | 373 |
| Net loans and leases to core deposits | 112.3518% | 652 |
| Total domestic deposits to total assets | 79.9737% | 3,839 |
| Equity capital to assets | 8.3902% | 4,539 |
| Core capital (leverage) ratio | 8.3129% | 4,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $347,755,000 | 2,012 |
| Average earning assets | $322,053,000 | 2,009 |
| Average equity | $32,818,000 | 2,326 |
| Average total loans | $291,923,333 | 1,699 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2230% | 632 |
| Cost of funding earning assets | 1.0714% | 1,135 |
| Net interest margin | 4.1516% | 1,021 |
| Noninterest income to average assets | 0.4317% | 2,900 |
| Noninterest expense to average assets | 3.6407% | 768 |
| Loan and lease loss provision to assets | 0.4478% | 678 |
| Net operating income to assets | 0.1398% | 4,611 |
| Return on assets (ROA) | 0.1398% | 4,615 |
| Pretax return on assets | 0.1781% | 4,590 |
| Return on Equity (ROE) | 1.3869% | 4,571 |
| Retained earnings to average equity (ytd only) | 1.3869% | 3,639 |
| Net charge-offs to loans | 0.0118% | 2,159 |
| Credit loss provision to net charge-offs | 4,525.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 63.2500% | 781 |
| Efficiency ratio | 85.3291% | 748 |
| Assets per employee ($millions) | 3.5577% | 4,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0770% | 3,323 |
| Loan loss allowance to noncurrent loans | 362.2733% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 2,679 |
| Noncurrent loans to loans | 0.2973% | 3,433 |
| Net loans and leases to total assets | 82.2841% | 413 |
| Net loans and leases to deposits | 107.4728% | 251 |
| Net loans and leases to core deposits | 117.4166% | 542 |
| Total domestic deposits to total assets | 76.5627% | 4,417 |
| Equity capital to assets | 9.7653% | 3,986 |
| Core capital (leverage) ratio | 9.5655% | 3,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $323,348,000 | 2,076 |
| Average earning assets | $298,681,000 | 2,088 |
| Average equity | $32,590,500 | 2,322 |
| Average total loans | $271,209,500 | 1,752 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6065% | 469 |
| Cost of funding earning assets | 1.1826% | 1,067 |
| Net interest margin | 4.4239% | 852 |
| Noninterest income to average assets | 0.3717% | 3,476 |
| Noninterest expense to average assets | 3.6272% | 830 |
| Loan and lease loss provision to assets | 0.1455% | 1,472 |
| Net operating income to assets | 0.5227% | 4,351 |
| Return on assets (ROA) | 0.5227% | 4,402 |
| Pretax return on assets | 0.6659% | 4,291 |
| Return on Equity (ROE) | 4.8345% | 4,262 |
| Retained earnings to average equity (ytd only) | 4.8345% | 2,512 |
| Net charge-offs to loans | 0.0255% | 2,883 |
| Credit loss provision to net charge-offs | 679.3651% | 467 |
| Earnings coverage of net charge-offs (x) | 37.8730% | 1,363 |
| Efficiency ratio | 81.7193% | 813 |
| Assets per employee ($millions) | 3.3942% | 4,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9998% | 3,519 |
| Loan loss allowance to noncurrent loans | 1,420.4301% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 3,603 |
| Noncurrent loans to loans | 0.0704% | 4,252 |
| Net loans and leases to total assets | 83.7742% | 341 |
| Net loans and leases to deposits | 105.2145% | 326 |
| Net loans and leases to core deposits | 114.5951% | 647 |
| Total domestic deposits to total assets | 79.6223% | 4,053 |
| Equity capital to assets | 10.4151% | 3,525 |
| Core capital (leverage) ratio | 9.9693% | 3,554 |
| Tier 1 risk-based capital ratio | 10.6974% | 4,961 |
| Total risk-based capital ratio | 11.6593% | 4,980 |
| Memoranda: |
| Average total assets | $294,058,000 | 2,195 |
| Average earning assets | $270,328,400 | 2,205 |
| Average equity | $31,792,000 | 2,312 |
| Average total loans | $246,948,200 | 1,842 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7123% | 408 |
| Cost of funding earning assets | 1.1974% | 1,047 |
| Net interest margin | 4.5149% | 746 |
| Noninterest income to average assets | 0.4076% | 3,266 |
| Noninterest expense to average assets | 3.6236% | 823 |
| Loan and lease loss provision to assets | 0.1405% | 1,376 |
| Net operating income to assets | 0.6213% | 4,239 |
| Return on assets (ROA) | 0.6213% | 4,290 |
| Pretax return on assets | 0.7903% | 4,141 |
| Return on Equity (ROE) | 5.6902% | 4,131 |
| Retained earnings to average equity (ytd only) | 5.6902% | 2,514 |
| Net charge-offs to loans | 0.0176% | 2,785 |
| Credit loss provision to net charge-offs | 953.1250% | 372 |
| Earnings coverage of net charge-offs (x) | 63.1498% | 1,030 |
| Efficiency ratio | 79.5632% | 960 |
| Assets per employee ($millions) | 3.1621% | 4,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0002% | 3,569 |
| Loan loss allowance to noncurrent loans | 1,370.9677% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.2398% | 3,609 |
| Noncurrent loans to loans | 0.0730% | 4,310 |
| Net loans and leases to total assets | 81.4525% | 635 |
| Net loans and leases to deposits | 98.4911% | 768 |
| Net loans and leases to core deposits | 112.5976% | 811 |
| Total domestic deposits to total assets | 82.7004% | 3,252 |
| Equity capital to assets | 10.4313% | 3,610 |
| Core capital (leverage) ratio | 10.0661% | 3,569 |
| Tier 1 risk-based capital ratio | 10.8505% | 4,968 |
| Total risk-based capital ratio | 11.8017% | 4,993 |
| Memoranda: |
| Average total assets | $289,505,500 | 2,236 |
| Average earning assets | $265,900,500 | 2,254 |
| Average equity | $31,609,250 | 2,335 |
| Average total loans | $242,624,750 | 1,878 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8112% | 332 |
| Cost of funding earning assets | 1.1707% | 1,071 |
| Net interest margin | 4.6405% | 564 |
| Noninterest income to average assets | 0.4669% | 2,863 |
| Noninterest expense to average assets | 3.6765% | 773 |
| Loan and lease loss provision to assets | 0.1953% | 888 |
| Net operating income to assets | 0.6820% | 4,063 |
| Return on assets (ROA) | 0.6820% | 4,115 |
| Pretax return on assets | 0.8659% | 3,941 |
| Return on Equity (ROE) | 6.1459% | 4,003 |
| Retained earnings to average equity (ytd only) | 6.1459% | 2,217 |
| Net charge-offs to loans | 0.0335% | 2,194 |
| Credit loss provision to net charge-offs | 690.0000% | 468 |
| Earnings coverage of net charge-offs (x) | 37.5000% | 1,290 |
| Efficiency ratio | 77.6019% | 1,205 |
| Assets per employee ($millions) | 3.3651% | 4,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9999% | 3,624 |
| Loan loss allowance to noncurrent loans | 1,351.0753% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.2481% | 3,580 |
| Noncurrent loans to loans | 0.0740% | 4,344 |
| Net loans and leases to total assets | 83.0764% | 461 |
| Net loans and leases to deposits | 101.8265% | 553 |
| Net loans and leases to core deposits | 117.9727% | 603 |
| Total domestic deposits to total assets | 81.5862% | 3,641 |
| Equity capital to assets | 10.6553% | 3,378 |
| Core capital (leverage) ratio | 10.3246% | 3,261 |
| Tier 1 risk-based capital ratio | 11.1262% | 4,860 |
| Total risk-based capital ratio | 12.0890% | 4,895 |
| Memoranda: |
| Average total assets | $282,712,000 | 2,280 |
| Average earning assets | $260,185,000 | 2,296 |
| Average equity | $31,370,670 | 2,342 |
| Average total loans | $238,513,000 | 1,915 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8347% | 293 |
| Cost of funding earning assets | 1.1416% | 1,064 |
| Net interest margin | 4.6931% | 506 |
| Noninterest income to average assets | 0.4243% | 3,017 |
| Noninterest expense to average assets | 3.5958% | 851 |
| Loan and lease loss provision to assets | 0.1400% | 1,229 |
| Net operating income to assets | 0.7991% | 3,625 |
| Return on assets (ROA) | 0.7991% | 3,670 |
| Pretax return on assets | 1.0163% | 3,394 |
| Return on Equity (ROE) | 7.0482% | 3,660 |
| Retained earnings to average equity (ytd only) | 7.0482% | 2,018 |
| Net charge-offs to loans | 0.0138% | 2,211 |
| Credit loss provision to net charge-offs | 1,200.0000% | 321 |
| Earnings coverage of net charge-offs (x) | 99.1250% | 671 |
| Efficiency ratio | 75.6674% | 1,535 |
| Assets per employee ($millions) | 3.2697% | 4,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0000% | 3,707 |
| Loan loss allowance to noncurrent loans | 917.0543% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 3,788 |
| Noncurrent loans to loans | 0.1090% | 4,245 |
| Net loans and leases to total assets | 83.2970% | 434 |
| Net loans and leases to deposits | 100.6956% | 580 |
| Net loans and leases to core deposits | 117.0433% | 612 |
| Total domestic deposits to total assets | 82.7216% | 3,492 |
| Equity capital to assets | 11.1641% | 2,695 |
| Core capital (leverage) ratio | 10.6666% | 2,879 |
| Tier 1 risk-based capital ratio | 11.6642% | 4,645 |
| Total risk-based capital ratio | 12.6356% | 4,695 |
| Memoranda: |
| Average total assets | $274,321,500 | 2,346 |
| Average earning assets | $252,968,500 | 2,360 |
| Average equity | $31,100,000 | 2,350 |
| Average total loans | $232,109,000 | 1,977 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2551% | 632 |
| Cost of funding earning assets | 0.8311% | 1,383 |
| Net interest margin | 4.4240% | 888 |
| Noninterest income to average assets | 0.7581% | 1,609 |
| Noninterest expense to average assets | 3.4496% | 1,071 |
| Loan and lease loss provision to assets | 0.1322% | 1,654 |
| Net operating income to assets | 1.0036% | 2,995 |
| Return on assets (ROA) | 1.0036% | 2,979 |
| Pretax return on assets | 1.2744% | 2,598 |
| Return on Equity (ROE) | 8.0558% | 3,411 |
| Retained earnings to average equity (ytd only) | 8.0558% | 1,208 |
| Net charge-offs to loans | -0.0080% | 4,441 |
| Credit loss provision to net charge-offs | -1,962.5000% | 4,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0346% | 2,038 |
| Assets per employee ($millions) | 3.5191% | 4,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0003% | 3,685 |
| Loan loss allowance to noncurrent loans | 921.8623% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.2535% | 3,572 |
| Noncurrent loans to loans | 0.1085% | 4,243 |
| Net loans and leases to total assets | 84.2586% | 395 |
| Net loans and leases to deposits | 108.0915% | 303 |
| Net loans and leases to core deposits | 124.2600% | 435 |
| Total domestic deposits to total assets | 77.9512% | 4,500 |
| Equity capital to assets | 11.5189% | 2,242 |
| Core capital (leverage) ratio | 11.2887% | 2,273 |
| Tier 1 risk-based capital ratio | 11.7364% | 4,605 |
| Total risk-based capital ratio | 12.7021% | 4,652 |
| Memoranda: |
| Average total assets | $237,445,000 | 2,561 |
| Average earning assets | $219,959,200 | 2,564 |
| Average equity | $29,581,000 | 2,358 |
| Average total loans | $200,454,800 | 2,171 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1669% | 673 |
| Cost of funding earning assets | 0.7805% | 1,429 |
| Net interest margin | 4.3864% | 928 |
| Noninterest income to average assets | 0.7822% | 1,531 |
| Noninterest expense to average assets | 3.5399% | 931 |
| Loan and lease loss provision to assets | 0.0794% | 2,366 |
| Net operating income to assets | 0.9730% | 3,201 |
| Return on assets (ROA) | 0.9730% | 3,214 |
| Pretax return on assets | 1.2362% | 2,864 |
| Return on Equity (ROE) | 7.6424% | 3,688 |
| Retained earnings to average equity (ytd only) | 7.6424% | 1,826 |
| Net charge-offs to loans | 0.0083% | 3,120 |
| Credit loss provision to net charge-offs | 1,141.6667% | 367 |
| Earnings coverage of net charge-offs (x) | 189.0788% | 457 |
| Efficiency ratio | 72.9042% | 1,750 |
| Assets per employee ($millions) | 3.2906% | 4,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9999% | 3,766 |
| Loan loss allowance to noncurrent loans | 808.9844% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.2946% | 3,510 |
| Noncurrent loans to loans | 0.1236% | 4,334 |
| Net loans and leases to total assets | 83.0891% | 555 |
| Net loans and leases to deposits | 102.2070% | 634 |
| Net loans and leases to core deposits | 116.8415% | 675 |
| Total domestic deposits to total assets | 81.2949% | 3,788 |
| Equity capital to assets | 12.1754% | 1,784 |
| Core capital (leverage) ratio | 11.7880% | 1,924 |
| Tier 1 risk-based capital ratio | 12.5574% | 4,180 |
| Total risk-based capital ratio | 13.5309% | 4,218 |
| Memoranda: |
| Average total assets | $229,944,250 | 2,626 |
| Average earning assets | $213,532,250 | 2,622 |
| Average equity | $29,274,500 | 2,386 |
| Average total loans | $193,662,250 | 2,227 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1031% | 657 |
| Cost of funding earning assets | 0.7466% | 1,384 |
| Net interest margin | 4.3565% | 931 |
| Noninterest income to average assets | 0.9352% | 1,089 |
| Noninterest expense to average assets | 3.5430% | 939 |
| Loan and lease loss provision to assets | 0.0348% | 3,218 |
| Net operating income to assets | 1.1028% | 2,571 |
| Return on assets (ROA) | 1.1028% | 2,579 |
| Pretax return on assets | 1.3997% | 2,146 |
| Return on Equity (ROE) | 8.5261% | 3,249 |
| Retained earnings to average equity (ytd only) | 8.5261% | 1,395 |
| Net charge-offs to loans | 0.0063% | 2,915 |
| Credit loss provision to net charge-offs | 650.0000% | 593 |
| Earnings coverage of net charge-offs (x) | 268.1667% | 336 |
| Efficiency ratio | 71.1804% | 2,128 |
| Assets per employee ($millions) | 3.3917% | 4,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9999% | 3,840 |
| Loan loss allowance to noncurrent loans | 711.8705% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.3200% | 3,486 |
| Noncurrent loans to loans | 0.1405% | 4,268 |
| Net loans and leases to total assets | 83.7241% | 487 |
| Net loans and leases to deposits | 103.9939% | 529 |
| Net loans and leases to core deposits | 113.0056% | 837 |
| Total domestic deposits to total assets | 80.5087% | 4,135 |
| Equity capital to assets | 12.6447% | 1,465 |
| Core capital (leverage) ratio | 12.0100% | 1,709 |
| Tier 1 risk-based capital ratio | 12.7747% | 4,022 |
| Total risk-based capital ratio | 13.7557% | 4,076 |
| Memoranda: |
| Average total assets | $224,328,000 | 2,687 |
| Average earning assets | $208,149,670 | 2,683 |
| Average equity | $29,016,670 | 2,413 |
| Average total loans | $189,173,330 | 2,271 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0559% | 621 |
| Cost of funding earning assets | 0.7407% | 1,231 |
| Net interest margin | 4.3152% | 927 |
| Noninterest income to average assets | 1.1008% | 765 |
| Noninterest expense to average assets | 3.4956% | 1,011 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2739% | 1,733 |
| Return on assets (ROA) | 1.2739% | 1,736 |
| Pretax return on assets | 1.6184% | 1,339 |
| Return on Equity (ROE) | 9.7323% | 2,576 |
| Retained earnings to average equity (ytd only) | 9.7323% | 1,247 |
| Net charge-offs to loans | -0.0043% | 3,959 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3535% | 2,775 |
| Assets per employee ($millions) | 3.3579% | 4,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0492% | 3,668 |
| Loan loss allowance to noncurrent loans | 374.0883% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.4476% | 3,061 |
| Noncurrent loans to loans | 0.2805% | 3,766 |
| Net loans and leases to total assets | 82.9376% | 543 |
| Net loans and leases to deposits | 98.4990% | 825 |
| Net loans and leases to core deposits | 107.4203% | 1,158 |
| Total domestic deposits to total assets | 84.2015% | 3,234 |
| Equity capital to assets | 13.1115% | 1,188 |
| Core capital (leverage) ratio | 12.1249% | 1,575 |
| Tier 1 risk-based capital ratio | 13.4063% | 3,718 |
| Total risk-based capital ratio | 14.4432% | 3,747 |
| Memoranda: |
| Average total assets | $219,478,500 | 2,761 |
| Average earning assets | $204,117,500 | 2,748 |
| Average equity | $28,729,000 | 2,451 |
| Average total loans | $184,802,000 | 2,322 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9914% | 655 |
| Cost of funding earning assets | 0.6323% | 1,404 |
| Net interest margin | 4.3591% | 842 |
| Noninterest income to average assets | 0.7757% | 1,661 |
| Noninterest expense to average assets | 3.6046% | 892 |
| Loan and lease loss provision to assets | 0.0112% | 4,059 |
| Net operating income to assets | 0.0434% | 5,310 |
| Return on assets (ROA) | 0.0434% | 5,319 |
| Pretax return on assets | 1.1447% | 3,002 |
| Return on Equity (ROE) | 0.3332% | 5,327 |
| Retained earnings to average equity (ytd only) | -1.5387% | 5,229 |
| Net charge-offs to loans | -0.2358% | 5,541 |
| Credit loss provision to net charge-offs | -5.7644% | 4,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7178% | 1,664 |
| Assets per employee ($millions) | 3.5629% | 4,618 |
| Cash dividends to net income (ytd only)* | 561.7978% | 19 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0585% | 3,570 |
| Loan loss allowance to noncurrent loans | 2,702.7778% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 3,890 |
| Noncurrent loans to loans | 0.0392% | 4,833 |
| Net loans and leases to total assets | 83.6961% | 481 |
| Net loans and leases to deposits | 102.0345% | 604 |
| Net loans and leases to core deposits | 107.1254% | 1,204 |
| Total domestic deposits to total assets | 82.0273% | 3,864 |
| Equity capital to assets | 13.0674% | 1,232 |
| Core capital (leverage) ratio | 12.1566% | 1,525 |
| Tier 1 risk-based capital ratio | 13.6072% | 3,568 |
| Total risk-based capital ratio | 14.6696% | 3,588 |
| Memoranda: |
| Average total assets | $204,849,000 | 2,871 |
| Average earning assets | $187,263,400 | 2,891 |
| Average equity | $26,711,000 | 2,562 |
| Average total loans | $169,214,800 | 2,429 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9807% | 637 |
| Cost of funding earning assets | 0.6033% | 1,510 |
| Net interest margin | 4.3773% | 765 |
| Noninterest income to average assets | 0.8764% | 1,349 |
| Noninterest expense to average assets | 3.6570% | 808 |
| Loan and lease loss provision to assets | 0.0152% | 3,838 |
| Net operating income to assets | 0.7740% | 3,629 |
| Return on assets (ROA) | 0.7740% | 3,679 |
| Pretax return on assets | 1.1890% | 2,947 |
| Return on Equity (ROE) | 5.9390% | 4,155 |
| Retained earnings to average equity (ytd only) | 5.9390% | 2,289 |
| Net charge-offs to loans | -0.3624% | 5,626 |
| Credit loss provision to net charge-offs | -5.1111% | 4,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2277% | 1,704 |
| Assets per employee ($millions) | 3.6406% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1310% | 3,303 |
| Loan loss allowance to noncurrent loans | 6,054.5455% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 4,104 |
| Noncurrent loans to loans | 0.0187% | 5,054 |
| Net loans and leases to total assets | 82.7190% | 576 |
| Net loans and leases to deposits | 106.6226% | 384 |
| Net loans and leases to core deposits | 119.3782% | 610 |
| Total domestic deposits to total assets | 77.5811% | 4,790 |
| Equity capital to assets | 14.1947% | 940 |
| Core capital (leverage) ratio | 12.7195% | 1,324 |
| Tier 1 risk-based capital ratio | 13.9748% | 3,452 |
| Total risk-based capital ratio | 15.0949% | 3,445 |
| Memoranda: |
| Average total assets | $201,727,500 | 2,936 |
| Average earning assets | $183,638,000 | 2,952 |
| Average equity | $26,288,750 | 2,613 |
| Average total loans | $165,556,750 | 2,487 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9115% | 675 |
| Cost of funding earning assets | 0.5987% | 1,458 |
| Net interest margin | 4.3128% | 828 |
| Noninterest income to average assets | 0.9155% | 1,227 |
| Noninterest expense to average assets | 3.6176% | 848 |
| Loan and lease loss provision to assets | 0.0232% | 3,527 |
| Net operating income to assets | 0.7735% | 3,528 |
| Return on assets (ROA) | 0.7735% | 3,578 |
| Pretax return on assets | 1.1854% | 2,826 |
| Return on Equity (ROE) | 6.1291% | 3,991 |
| Retained earnings to average equity (ytd only) | 6.1291% | 2,043 |
| Net charge-offs to loans | -0.5486% | 5,696 |
| Credit loss provision to net charge-offs | -5.1802% | 4,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9583% | 1,859 |
| Assets per employee ($millions) | 3.8395% | 4,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1607% | 3,244 |
| Loan loss allowance to noncurrent loans | 679.5222% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.3618% | 3,673 |
| Noncurrent loans to loans | 0.1708% | 4,438 |
| Net loans and leases to total assets | 80.2837% | 912 |
| Net loans and leases to deposits | 112.7007% | 212 |
| Net loans and leases to core deposits | 129.3480% | 319 |
| Total domestic deposits to total assets | 71.2362% | 5,497 |
| Equity capital to assets | 14.0107% | 960 |
| Core capital (leverage) ratio | 12.9691% | 1,186 |
| Tier 1 risk-based capital ratio | 14.0559% | 3,403 |
| Total risk-based capital ratio | 15.2091% | 3,366 |
| Memoranda: |
| Average total assets | $198,584,330 | 2,978 |
| Average earning assets | $180,067,330 | 2,998 |
| Average equity | $25,060,670 | 2,700 |
| Average total loans | $161,854,000 | 2,534 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9260% | 593 |
| Cost of funding earning assets | 0.6022% | 1,357 |
| Net interest margin | 4.3238% | 740 |
| Noninterest income to average assets | 0.7738% | 1,646 |
| Noninterest expense to average assets | 3.4615% | 1,098 |
| Loan and lease loss provision to assets | 0.0478% | 2,856 |
| Net operating income to assets | 0.7551% | 3,454 |
| Return on assets (ROA) | 0.7551% | 3,505 |
| Pretax return on assets | 1.1628% | 2,732 |
| Return on Equity (ROE) | 6.3691% | 3,732 |
| Retained earnings to average equity (ytd only) | 6.3691% | 2,152 |
| Net charge-offs to loans | -0.7999% | 5,773 |
| Credit loss provision to net charge-offs | -7.3248% | 3,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0873% | 2,218 |
| Assets per employee ($millions) | 3.4179% | 4,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1493% | 3,418 |
| Loan loss allowance to noncurrent loans | 3,879.1667% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.7859% | 2,334 |
| Noncurrent loans to loans | 0.0296% | 5,096 |
| Net loans and leases to total assets | 80.7881% | 725 |
| Net loans and leases to deposits | 116.9873% | 107 |
| Net loans and leases to core deposits | 122.3909% | 400 |
| Total domestic deposits to total assets | 69.0571% | 5,656 |
| Equity capital to assets | 12.8549% | 1,322 |
| Core capital (leverage) ratio | 11.5775% | 1,895 |
| Tier 1 risk-based capital ratio | 12.5031% | 4,388 |
| Total risk-based capital ratio | 13.6545% | 4,350 |
| Memoranda: |
| Average total assets | $192,289,000 | 3,065 |
| Average earning assets | $173,365,500 | 3,094 |
| Average equity | $22,797,500 | 2,916 |
| Average total loans | $157,016,000 | 2,619 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8381% | 825 |
| Cost of funding earning assets | 0.5726% | 1,525 |
| Net interest margin | 4.2655% | 990 |
| Noninterest income to average assets | 0.7165% | 2,094 |
| Noninterest expense to average assets | 3.7278% | 851 |
| Loan and lease loss provision to assets | 0.1920% | 1,218 |
| Net operating income to assets | 3.5016% | 63 |
| Return on assets (ROA) | 3.5016% | 64 |
| Pretax return on assets | 0.7177% | 4,431 |
| Return on Equity (ROE) | 36.2858% | 19 |
| Retained earnings to average equity (ytd only) | 36.2858% | 7 |
| Net charge-offs to loans | 0.0538% | 2,962 |
| Credit loss provision to net charge-offs | 430.1370% | 746 |
| Earnings coverage of net charge-offs (x) | 20.3836% | 1,858 |
| Efficiency ratio | 80.3849% | 1,376 |
| Assets per employee ($millions) | 3.3880% | 4,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0025% | 4,308 |
| Loan loss allowance to noncurrent loans | 2,930.7692% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.8382% | 2,250 |
| Noncurrent loans to loans | 0.0342% | 5,125 |
| Net loans and leases to total assets | 80.7628% | 772 |
| Net loans and leases to deposits | 109.7206% | 233 |
| Net loans and leases to core deposits | 114.0407% | 697 |
| Total domestic deposits to total assets | 73.6077% | 5,467 |
| Equity capital to assets | 10.7931% | 2,824 |
| Core capital (leverage) ratio | 9.3357% | 4,310 |
| Tier 1 risk-based capital ratio | 9.6879% | 5,796 |
| Total risk-based capital ratio | 10.6834% | 5,818 |
| Memoranda: |
| Average total assets | $163,580,800 | 3,358 |
| Average earning assets | $150,367,800 | 3,368 |
| Average equity | $15,785,800 | 3,722 |
| Average total loans | $135,686,400 | 2,835 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8535% | 804 |
| Cost of funding earning assets | 0.5856% | 1,448 |
| Net interest margin | 4.2680% | 990 |
| Noninterest income to average assets | 0.6730% | 2,298 |
| Noninterest expense to average assets | 3.8313% | 729 |
| Loan and lease loss provision to assets | 0.1934% | 1,117 |
| Net operating income to assets | 0.5936% | 4,319 |
| Return on assets (ROA) | 0.5936% | 4,429 |
| Pretax return on assets | 0.5936% | 4,892 |
| Return on Equity (ROE) | 6.3744% | 3,892 |
| Retained earnings to average equity (ytd only) | 6.3744% | 1,974 |
| Net charge-offs to loans | 0.0446% | 2,754 |
| Credit loss provision to net charge-offs | 520.4545% | 682 |
| Earnings coverage of net charge-offs (x) | 21.1802% | 1,830 |
| Efficiency ratio | 82.9585% | 1,077 |
| Assets per employee ($millions) | 3.2346% | 5,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9983% | 4,423 |
| Loan loss allowance to noncurrent loans | 1,632.2222% | 374 |
| Noncurrent assets plus other real estate owned to assets | 1.0683% | 1,922 |
| Noncurrent loans to loans | 0.0612% | 5,111 |
| Net loans and leases to total assets | 83.4040% | 469 |
| Net loans and leases to deposits | 97.7876% | 875 |
| Net loans and leases to core deposits | 101.4880% | 1,517 |
| Total domestic deposits to total assets | 85.2910% | 2,679 |
| Equity capital to assets | 8.6673% | 5,422 |
| Core capital (leverage) ratio | 9.1790% | 4,620 |
| Tier 1 risk-based capital ratio | 9.5349% | 5,870 |
| Total risk-based capital ratio | 10.5131% | 5,902 |
| Memoranda: |
| Average total assets | $157,890,500 | 3,432 |
| Average earning assets | $145,952,500 | 3,435 |
| Average equity | $14,704,250 | 3,881 |
| Average total loans | $131,603,250 | 2,907 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8506% | 799 |
| Cost of funding earning assets | 0.5940% | 1,362 |
| Net interest margin | 4.2565% | 1,007 |
| Noninterest income to average assets | 0.6855% | 2,209 |
| Noninterest expense to average assets | 3.9291% | 657 |
| Loan and lease loss provision to assets | 0.1944% | 1,117 |
| Net operating income to assets | 0.4859% | 4,735 |
| Return on assets (ROA) | 0.4859% | 4,837 |
| Pretax return on assets | 0.4859% | 5,162 |
| Return on Equity (ROE) | 5.0827% | 4,475 |
| Retained earnings to average equity (ytd only) | 5.0827% | 2,674 |
| Net charge-offs to loans | 0.0823% | 2,028 |
| Credit loss provision to net charge-offs | 284.6154% | 1,003 |
| Earnings coverage of net charge-offs (x) | 9.9615% | 2,366 |
| Efficiency ratio | 85.2422% | 945 |
| Assets per employee ($millions) | 3.0548% | 5,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0001% | 4,522 |
| Loan loss allowance to noncurrent loans | 710.8247% | 785 |
| Noncurrent assets plus other real estate owned to assets | 1.3155% | 1,533 |
| Noncurrent loans to loans | 0.1407% | 4,867 |
| Net loans and leases to total assets | 82.7495% | 541 |
| Net loans and leases to deposits | 102.5267% | 533 |
| Net loans and leases to core deposits | 105.6272% | 1,207 |
| Total domestic deposits to total assets | 80.7102% | 4,361 |
| Equity capital to assets | 8.9829% | 5,250 |
| Core capital (leverage) ratio | 9.5697% | 4,106 |
| Tier 1 risk-based capital ratio | 10.0322% | 5,846 |
| Total risk-based capital ratio | 11.0226% | 5,868 |
| Memoranda: |
| Average total assets | $152,297,670 | 3,521 |
| Average earning assets | $140,396,000 | 3,536 |
| Average equity | $14,559,330 | 3,918 |
| Average total loans | $126,421,000 | 2,992 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6803% | 1,092 |
| Cost of funding earning assets | 0.6018% | 1,323 |
| Net interest margin | 4.0785% | 1,398 |
| Noninterest income to average assets | 0.6906% | 2,084 |
| Noninterest expense to average assets | 3.9790% | 619 |
| Loan and lease loss provision to assets | 0.0850% | 2,259 |
| Net operating income to assets | 0.3782% | 5,059 |
| Return on assets (ROA) | 0.3782% | 5,133 |
| Pretax return on assets | 0.3782% | 5,353 |
| Return on Equity (ROE) | 3.8254% | 4,949 |
| Retained earnings to average equity (ytd only) | 3.8254% | 3,582 |
| Net charge-offs to loans | 0.2022% | 985 |
| Credit loss provision to net charge-offs | 50.8197% | 2,045 |
| Earnings coverage of net charge-offs (x) | 2.7705% | 2,636 |
| Efficiency ratio | 89.5743% | 703 |
| Assets per employee ($millions) | 3.0467% | 5,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0040% | 4,585 |
| Loan loss allowance to noncurrent loans | 110.5820% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 2.2463% | 721 |
| Noncurrent loans to loans | 0.9079% | 2,583 |
| Net loans and leases to total assets | 81.1654% | 663 |
| Net loans and leases to deposits | 105.5983% | 360 |
| Net loans and leases to core deposits | 109.4533% | 880 |
| Total domestic deposits to total assets | 76.8625% | 5,309 |
| Equity capital to assets | 9.5479% | 4,624 |
| Core capital (leverage) ratio | 10.4639% | 3,008 |
| Tier 1 risk-based capital ratio | 10.6269% | 5,695 |
| Total risk-based capital ratio | 11.5957% | 5,734 |
| Memoranda: |
| Average total assets | $145,967,500 | 3,636 |
| Average earning assets | $134,266,000 | 3,650 |
| Average equity | $14,430,000 | 3,943 |
| Average total loans | $120,691,000 | 3,075 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6759% | 1,162 |
| Cost of funding earning assets | 0.6813% | 901 |
| Net interest margin | 3.9946% | 1,734 |
| Noninterest income to average assets | 1.1713% | 868 |
| Noninterest expense to average assets | 4.1140% | 596 |
| Loan and lease loss provision to assets | 0.2121% | 983 |
| Net operating income to assets | 0.5268% | 4,592 |
| Return on assets (ROA) | 0.5268% | 4,673 |
| Pretax return on assets | 0.5268% | 5,051 |
| Return on Equity (ROE) | 5.3717% | 4,339 |
| Retained earnings to average equity (ytd only) | 5.3717% | 2,156 |
| Net charge-offs to loans | 0.3282% | 908 |
| Credit loss provision to net charge-offs | 76.9022% | 3,008 |
| Earnings coverage of net charge-offs (x) | 2.6793% | 3,851 |
| Efficiency ratio | 84.7746% | 1,115 |
| Assets per employee ($millions) | 3.1022% | 5,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1023% | 4,038 |
| Loan loss allowance to noncurrent loans | 66.5630% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 2.7579% | 520 |
| Noncurrent loans to loans | 1.6560% | 1,377 |
| Net loans and leases to total assets | 82.5220% | 545 |
| Net loans and leases to deposits | 96.1305% | 993 |
| Net loans and leases to core deposits | 99.5455% | 1,549 |
| Total domestic deposits to total assets | 85.8436% | 2,716 |
| Equity capital to assets | 10.2544% | 3,673 |
| Core capital (leverage) ratio | 10.3807% | 3,071 |
| Tier 1 risk-based capital ratio | 11.4416% | 5,293 |
| Total risk-based capital ratio | 12.5165% | 5,291 |
| Memoranda: |
| Average total assets | $133,445,600 | 3,822 |
| Average earning assets | $122,991,600 | 3,817 |
| Average equity | $13,087,000 | 4,125 |
| Average total loans | $112,120,800 | 3,165 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6697% | 1,155 |
| Cost of funding earning assets | 0.6919% | 874 |
| Net interest margin | 3.9778% | 1,774 |
| Noninterest income to average assets | 1.3130% | 705 |
| Noninterest expense to average assets | 4.1563% | 556 |
| Loan and lease loss provision to assets | 0.2567% | 659 |
| Net operating income to assets | 0.5610% | 4,558 |
| Return on assets (ROA) | 0.5610% | 4,645 |
| Pretax return on assets | 0.5610% | 5,067 |
| Return on Equity (ROE) | 5.7901% | 4,250 |
| Retained earnings to average equity (ytd only) | 5.7901% | 2,374 |
| Net charge-offs to loans | 0.5272% | 447 |
| Credit loss provision to net charge-offs | 57.8588% | 2,934 |
| Earnings coverage of net charge-offs (x) | 1.8428% | 3,769 |
| Efficiency ratio | 83.5603% | 1,216 |
| Assets per employee ($millions) | 3.0535% | 5,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0342% | 4,556 |
| Loan loss allowance to noncurrent loans | 76.1751% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 2.5603% | 657 |
| Noncurrent loans to loans | 1.3576% | 1,885 |
| Net loans and leases to total assets | 82.3868% | 536 |
| Net loans and leases to deposits | 95.2512% | 1,073 |
| Net loans and leases to core deposits | 98.6527% | 1,639 |
| Total domestic deposits to total assets | 86.4942% | 2,284 |
| Equity capital to assets | 9.5067% | 4,742 |
| Core capital (leverage) ratio | 9.7414% | 3,978 |
| Tier 1 risk-based capital ratio | 10.7052% | 5,798 |
| Total risk-based capital ratio | 11.7219% | 5,829 |
| Memoranda: |
| Average total assets | $131,907,500 | 3,897 |
| Average earning assets | $121,404,000 | 3,894 |
| Average equity | $12,780,000 | 4,225 |
| Average total loans | $111,030,250 | 3,209 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6498% | 1,170 |
| Cost of funding earning assets | 0.7027% | 834 |
| Net interest margin | 3.9470% | 1,825 |
| Noninterest income to average assets | 1.5483% | 534 |
| Noninterest expense to average assets | 4.1899% | 550 |
| Loan and lease loss provision to assets | 0.2568% | 663 |
| Net operating income to assets | 0.7288% | 3,744 |
| Return on assets (ROA) | 0.7288% | 3,863 |
| Pretax return on assets | 0.7288% | 4,567 |
| Return on Equity (ROE) | 7.4730% | 3,337 |
| Retained earnings to average equity (ytd only) | 7.4730% | 1,491 |
| Net charge-offs to loans | 0.7078% | 321 |
| Credit loss provision to net charge-offs | 42.9306% | 2,780 |
| Earnings coverage of net charge-offs (x) | 1.6478% | 3,477 |
| Efficiency ratio | 80.9566% | 1,628 |
| Assets per employee ($millions) | 3.3199% | 5,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0019% | 4,865 |
| Loan loss allowance to noncurrent loans | 163.6234% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 1.9924% | 1,111 |
| Noncurrent loans to loans | 0.6123% | 3,635 |
| Net loans and leases to total assets | 83.2634% | 443 |
| Net loans and leases to deposits | 100.6018% | 613 |
| Net loans and leases to core deposits | 104.3870% | 1,165 |
| Total domestic deposits to total assets | 82.7653% | 4,041 |
| Equity capital to assets | 9.5353% | 4,607 |
| Core capital (leverage) ratio | 9.9553% | 3,673 |
| Tier 1 risk-based capital ratio | 10.7146% | 5,838 |
| Total risk-based capital ratio | 11.7088% | 5,879 |
| Memoranda: |
| Average total assets | $130,074,000 | 3,959 |
| Average earning assets | $119,532,330 | 3,958 |
| Average equity | $12,685,670 | 4,263 |
| Average total loans | $109,910,670 | 3,253 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6351% | 1,152 |
| Cost of funding earning assets | 0.7107% | 815 |
| Net interest margin | 3.9244% | 1,803 |
| Noninterest income to average assets | 1.1806% | 819 |
| Noninterest expense to average assets | 4.2187% | 544 |
| Loan and lease loss provision to assets | 0.1511% | 1,350 |
| Net operating income to assets | 0.4093% | 5,038 |
| Return on assets (ROA) | 0.4093% | 5,149 |
| Pretax return on assets | 0.4093% | 5,413 |
| Return on Equity (ROE) | 4.1471% | 4,917 |
| Retained earnings to average equity (ytd only) | 4.1471% | 3,518 |
| Net charge-offs to loans | 1.1336% | 203 |
| Credit loss provision to net charge-offs | 15.7377% | 2,392 |
| Earnings coverage of net charge-offs (x) | 0.5836% | 3,032 |
| Efficiency ratio | 88.2740% | 999 |
| Assets per employee ($millions) | 3.1052% | 5,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0249% | 4,899 |
| Loan loss allowance to noncurrent loans | 128.3737% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.9230% | 1,262 |
| Noncurrent loans to loans | 0.7984% | 3,247 |
| Net loans and leases to total assets | 82.4098% | 418 |
| Net loans and leases to deposits | 98.3105% | 655 |
| Net loans and leases to core deposits | 100.6791% | 1,276 |
| Total domestic deposits to total assets | 83.8260% | 3,881 |
| Equity capital to assets | 9.6757% | 4,539 |
| Core capital (leverage) ratio | 10.0510% | 3,533 |
| Tier 1 risk-based capital ratio | 10.9601% | 5,823 |
| Total risk-based capital ratio | 11.9657% | 5,856 |
| Memoranda: |
| Average total assets | $127,054,000 | 4,042 |
| Average earning assets | $116,502,500 | 4,053 |
| Average equity | $12,539,000 | 4,317 |
| Average total loans | $107,625,500 | 3,308 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4698% | 1,989 |
| Cost of funding earning assets | 0.7399% | 897 |
| Net interest margin | 3.7299% | 2,880 |
| Noninterest income to average assets | 0.6161% | 2,761 |
| Noninterest expense to average assets | 3.9086% | 846 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1084% | 5,946 |
| Return on assets (ROA) | 0.1084% | 5,978 |
| Pretax return on assets | 0.1084% | 5,982 |
| Return on Equity (ROE) | 1.4722% | 5,899 |
| Retained earnings to average equity (ytd only) | 1.4722% | 5,105 |
| Net charge-offs to loans | 0.1332% | 2,684 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1.0301% | 4,511 |
| Efficiency ratio | 97.3026% | 450 |
| Assets per employee ($millions) | 2.8765% | 5,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2835% | 3,521 |
| Loan loss allowance to noncurrent loans | 151.9423% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 2.0552% | 1,218 |
| Noncurrent loans to loans | 0.8447% | 3,203 |
| Net loans and leases to total assets | 85.1256% | 270 |
| Net loans and leases to deposits | 106.5601% | 337 |
| Net loans and leases to core deposits | 106.5601% | 982 |
| Total domestic deposits to total assets | 79.8850% | 5,053 |
| Equity capital to assets | 10.0728% | 4,016 |
| Core capital (leverage) ratio | 10.1189% | 3,408 |
| Tier 1 risk-based capital ratio | 11.6311% | 5,588 |
| Total risk-based capital ratio | 12.8815% | 5,498 |
| Memoranda: |
| Average total assets | $126,437,600 | 4,049 |
| Average earning assets | $115,285,600 | 4,064 |
| Average equity | $9,306,000 | 4,899 |
| Average total loans | $99,839,600 | 3,426 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3841% | 2,274 |
| Cost of funding earning assets | 0.7468% | 905 |
| Net interest margin | 3.6372% | 3,282 |
| Noninterest income to average assets | 0.8453% | 1,722 |
| Noninterest expense to average assets | 3.8733% | 882 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2821% | 5,648 |
| Return on assets (ROA) | 0.2821% | 5,711 |
| Pretax return on assets | 0.2821% | 5,803 |
| Return on Equity (ROE) | 4.2107% | 5,077 |
| Retained earnings to average equity (ytd only) | 4.2107% | 3,654 |
| Net charge-offs to loans | 0.2106% | 1,784 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.7355% | 4,087 |
| Efficiency ratio | 93.2105% | 634 |
| Assets per employee ($millions) | 3.0864% | 5,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3141% | 3,577 |
| Loan loss allowance to noncurrent loans | 144.2184% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 2.1437% | 1,302 |
| Noncurrent loans to loans | 0.9112% | 3,282 |
| Net loans and leases to total assets | 76.2227% | 1,191 |
| Net loans and leases to deposits | 97.5083% | 765 |
| Net loans and leases to core deposits | 97.5083% | 1,552 |
| Total domestic deposits to total assets | 78.1705% | 5,498 |
| Equity capital to assets | 9.4285% | 4,884 |
| Core capital (leverage) ratio | 10.2031% | 3,408 |
| Tier 1 risk-based capital ratio | 12.1134% | 5,415 |
| Total risk-based capital ratio | 13.3648% | 5,334 |
| Memoranda: |
| Average total assets | $127,124,750 | 4,062 |
| Average earning assets | $115,689,000 | 4,100 |
| Average equity | $8,517,750 | 5,125 |
| Average total loans | $98,134,500 | 3,489 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3733% | 2,282 |
| Cost of funding earning assets | 0.7477% | 935 |
| Net interest margin | 3.6257% | 3,259 |
| Noninterest income to average assets | 0.7776% | 1,926 |
| Noninterest expense to average assets | 3.8863% | 867 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1820% | 5,885 |
| Return on assets (ROA) | 0.1820% | 5,931 |
| Pretax return on assets | 0.1820% | 5,969 |
| Return on Equity (ROE) | 3.1728% | 5,468 |
| Retained earnings to average equity (ytd only) | 3.1728% | 4,180 |
| Net charge-offs to loans | 0.3372% | 1,206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.6994% | 3,995 |
| Efficiency ratio | 95.5259% | 582 |
| Assets per employee ($millions) | 3.0830% | 5,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3289% | 3,701 |
| Loan loss allowance to noncurrent loans | 138.9004% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 2.4281% | 1,184 |
| Noncurrent loans to loans | 0.9567% | 3,331 |
| Net loans and leases to total assets | 76.7842% | 1,074 |
| Net loans and leases to deposits | 93.4831% | 1,009 |
| Net loans and leases to core deposits | 93.4831% | 1,820 |
| Total domestic deposits to total assets | 82.1369% | 4,600 |
| Equity capital to assets | 5.6022% | 6,558 |
| Core capital (leverage) ratio | 6.2151% | 6,513 |
| Tier 1 risk-based capital ratio | 7.0588% | 6,597 |
| Total risk-based capital ratio | 8.3099% | 6,596 |
| Memoranda: |
| Average total assets | $125,261,330 | 4,127 |
| Average earning assets | $113,688,670 | 4,154 |
| Average equity | $7,186,000 | 5,440 |
| Average total loans | $96,677,330 | 3,525 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3558% | 2,308 |
| Cost of funding earning assets | 0.7600% | 928 |
| Net interest margin | 3.5958% | 3,260 |
| Noninterest income to average assets | 0.5294% | 3,196 |
| Noninterest expense to average assets | 3.7126% | 1,114 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0747% | 6,082 |
| Return on assets (ROA) | 0.0747% | 6,106 |
| Pretax return on assets | 0.0747% | 6,113 |
| Return on Equity (ROE) | 1.2864% | 5,981 |
| Retained earnings to average equity (ytd only) | 1.2864% | 5,102 |
| Net charge-offs to loans | -0.0085% | 4,985 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0274% | 543 |
| Assets per employee ($millions) | 3.0626% | 5,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5353% | 2,996 |
| Loan loss allowance to noncurrent loans | 204.9046% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 2.3374% | 1,400 |
| Noncurrent loans to loans | 0.7493% | 3,993 |
| Net loans and leases to total assets | 76.8178% | 907 |
| Net loans and leases to deposits | 98.1981% | 528 |
| Net loans and leases to core deposits | 98.1981% | 1,224 |
| Total domestic deposits to total assets | 78.2274% | 5,797 |
| Equity capital to assets | 5.7046% | 6,592 |
| Core capital (leverage) ratio | 6.3365% | 6,551 |
| Tier 1 risk-based capital ratio | 6.9764% | 6,653 |
| Total risk-based capital ratio | 8.2296% | 6,654 |
| Memoranda: |
| Average total assets | $123,149,500 | 4,209 |
| Average earning assets | $111,575,500 | 4,230 |
| Average equity | $7,152,000 | 5,481 |
| Average total loans | $94,634,500 | 3,595 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5941% | 1,895 |
| Cost of funding earning assets | 0.8470% | 960 |
| Net interest margin | 3.7471% | 2,864 |
| Noninterest income to average assets | 0.7532% | 2,276 |
| Noninterest expense to average assets | 3.9816% | 889 |
| Loan and lease loss provision to assets | -0.0165% | 6,289 |
| Net operating income to assets | 0.1246% | 5,988 |
| Return on assets (ROA) | 0.1246% | 6,050 |
| Pretax return on assets | 0.1246% | 6,056 |
| Return on Equity (ROE) | 1.9648% | 5,852 |
| Retained earnings to average equity (ytd only) | 1.9648% | 4,835 |
| Net charge-offs to loans | 0.0858% | 4,009 |
| Credit loss provision to net charge-offs | -25.0000% | 5,729 |
| Earnings coverage of net charge-offs (x) | 1.6389% | 4,508 |
| Efficiency ratio | 97.3560% | 572 |
| Assets per employee ($millions) | 3.0183% | 5,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6450% | 2,592 |
| Loan loss allowance to noncurrent loans | 189.1688% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 2.4807% | 1,386 |
| Noncurrent loans to loans | 0.8696% | 3,805 |
| Net loans and leases to total assets | 74.3840% | 1,291 |
| Net loans and leases to deposits | 92.4006% | 1,013 |
| Net loans and leases to core deposits | 92.4006% | 1,751 |
| Total domestic deposits to total assets | 80.5016% | 5,320 |
| Equity capital to assets | 5.9147% | 6,625 |
| Core capital (leverage) ratio | 6.4308% | 6,603 |
| Tier 1 risk-based capital ratio | 7.3957% | 6,715 |
| Total risk-based capital ratio | 8.6502% | 6,716 |
| Memoranda: |
| Average total assets | $109,127,200 | 4,517 |
| Average earning assets | $97,167,800 | 4,588 |
| Average equity | $6,921,800 | 5,589 |
| Average total loans | $83,920,000 | 3,826 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6633% | 1,710 |
| Cost of funding earning assets | 0.8557% | 1,018 |
| Net interest margin | 3.8075% | 2,611 |
| Noninterest income to average assets | 0.7180% | 2,519 |
| Noninterest expense to average assets | 3.9964% | 863 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1004% | 6,139 |
| Return on assets (ROA) | 0.1004% | 6,198 |
| Pretax return on assets | 0.1004% | 6,209 |
| Return on Equity (ROE) | 1.5532% | 6,056 |
| Retained earnings to average equity (ytd only) | 1.5532% | 5,353 |
| Net charge-offs to loans | 0.1235% | 3,304 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.0526% | 4,495 |
| Efficiency ratio | 97.5490% | 542 |
| Assets per employee ($millions) | 2.9712% | 5,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6772% | 2,704 |
| Loan loss allowance to noncurrent loans | 186.3184% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 3.0869% | 1,192 |
| Noncurrent loans to loans | 0.9002% | 4,023 |
| Net loans and leases to total assets | 75.7879% | 1,033 |
| Net loans and leases to deposits | 92.3867% | 955 |
| Net loans and leases to core deposits | 92.3867% | 1,734 |
| Total domestic deposits to total assets | 82.0334% | 4,920 |
| Equity capital to assets | 6.1212% | 6,685 |
| Core capital (leverage) ratio | 6.6691% | 6,643 |
| Tier 1 risk-based capital ratio | 7.4689% | 6,782 |
| Total risk-based capital ratio | 8.7228% | 6,781 |
| Memoranda: |
| Average total assets | $106,225,750 | 4,636 |
| Average earning assets | $94,266,500 | 4,725 |
| Average equity | $6,867,000 | 5,678 |
| Average total loans | $82,073,000 | 3,907 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7473% | 1,449 |
| Cost of funding earning assets | 0.8735% | 1,015 |
| Net interest margin | 3.8738% | 2,300 |
| Noninterest income to average assets | 0.6757% | 2,764 |
| Noninterest expense to average assets | 4.0404% | 829 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0621% | 6,217 |
| Return on assets (ROA) | 0.0621% | 6,295 |
| Pretax return on assets | 0.0621% | 6,289 |
| Return on Equity (ROE) | 0.9423% | 6,223 |
| Retained earnings to average equity (ytd only) | 0.9423% | 5,528 |
| Net charge-offs to loans | 0.1958% | 2,588 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.4103% | 4,402 |
| Efficiency ratio | 98.4856% | 545 |
| Assets per employee ($millions) | 2.9962% | 5,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8314% | 2,327 |
| Loan loss allowance to noncurrent loans | 131.0823% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 3.9421% | 889 |
| Noncurrent loans to loans | 1.3971% | 3,203 |
| Net loans and leases to total assets | 75.2406% | 1,084 |
| Net loans and leases to deposits | 90.7004% | 1,081 |
| Net loans and leases to core deposits | 90.7004% | 1,843 |
| Total domestic deposits to total assets | 82.9551% | 4,712 |
| Equity capital to assets | 6.5389% | 6,681 |
| Core capital (leverage) ratio | 6.8245% | 6,653 |
| Tier 1 risk-based capital ratio | 8.0183% | 6,804 |
| Total risk-based capital ratio | 9.2738% | 6,806 |
| Memoranda: |
| Average total assets | $103,009,000 | 4,745 |
| Average earning assets | $91,125,670 | 4,812 |
| Average equity | $6,791,670 | 5,737 |
| Average total loans | $79,658,000 | 3,990 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6394% | 1,714 |
| Cost of funding earning assets | 0.8918% | 1,028 |
| Net interest margin | 3.7476% | 2,672 |
| Noninterest income to average assets | 0.7238% | 2,462 |
| Noninterest expense to average assets | 3.9291% | 965 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1034% | 6,138 |
| Return on assets (ROA) | 0.1034% | 6,232 |
| Pretax return on assets | 0.1034% | 6,255 |
| Return on Equity (ROE) | 1.5613% | 6,071 |
| Retained earnings to average equity (ytd only) | 1.5613% | 5,205 |
| Net charge-offs to loans | 0.1280% | 2,647 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.0400% | 3,494 |
| Efficiency ratio | 97.4359% | 662 |
| Assets per employee ($millions) | 2.9207% | 6,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9337% | 2,212 |
| Loan loss allowance to noncurrent loans | 78.0378% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 4.5283% | 824 |
| Noncurrent loans to loans | 2.4778% | 2,083 |
| Net loans and leases to total assets | 77.7428% | 644 |
| Net loans and leases to deposits | 92.2023% | 784 |
| Net loans and leases to core deposits | 92.2023% | 1,487 |
| Total domestic deposits to total assets | 84.3176% | 4,347 |
| Equity capital to assets | 6.5279% | 6,788 |
| Core capital (leverage) ratio | 6.7312% | 6,706 |
| Tier 1 risk-based capital ratio | 7.8039% | 6,863 |
| Total risk-based capital ratio | 9.0617% | 6,862 |
| Memoranda: |
| Average total assets | $100,582,500 | 4,852 |
| Average earning assets | $88,804,500 | 4,915 |
| Average equity | $6,661,000 | 5,827 |
| Average total loans | $78,152,000 | 4,061 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7699% | 2,320 |
| Cost of funding earning assets | 1.1545% | 721 |
| Net interest margin | 3.6155% | 4,019 |
| Noninterest income to average assets | 0.5168% | 3,793 |
| Noninterest expense to average assets | 4.3260% | 662 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.6674% | 6,637 |
| Return on assets (ROA) | -0.6273% | 6,652 |
| Pretax return on assets | -0.6273% | 6,627 |
| Return on Equity (ROE) | -10.3793% | 6,731 |
| Retained earnings to average equity (ytd only) | -10.3793% | 6,652 |
| Net charge-offs to loans | 2.1265% | 333 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.4242% | 5,651 |
| Efficiency ratio | 118.2410% | 225 |
| Assets per employee ($millions) | 3.1917% | 5,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1165% | 1,725 |
| Loan loss allowance to noncurrent loans | 75.8210% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 4.7967% | 829 |
| Noncurrent loans to loans | 2.7914% | 1,886 |
| Net loans and leases to total assets | 74.4608% | 1,132 |
| Net loans and leases to deposits | 87.7174% | 1,309 |
| Net loans and leases to core deposits | 87.7174% | 2,120 |
| Total domestic deposits to total assets | 84.8871% | 3,909 |
| Equity capital to assets | 6.7201% | 6,813 |
| Core capital (leverage) ratio | 6.8930% | 6,732 |
| Tier 1 risk-based capital ratio | 8.5679% | 6,886 |
| Total risk-based capital ratio | 9.8284% | 6,888 |
| Memoranda: |
| Average total assets | $92,302,000 | 5,016 |
| Average earning assets | $80,211,200 | 5,117 |
| Average equity | $5,578,400 | 6,125 |
| Average total loans | $68,282,800 | 4,410 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8081% | 2,362 |
| Cost of funding earning assets | 1.2211% | 634 |
| Net interest margin | 3.5870% | 4,288 |
| Noninterest income to average assets | 0.4251% | 4,439 |
| Noninterest expense to average assets | 4.4746% | 553 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.9385% | 6,841 |
| Return on assets (ROA) | -0.8840% | 6,854 |
| Pretax return on assets | -0.8840% | 6,829 |
| Return on Equity (ROE) | -15.0885% | 6,934 |
| Retained earnings to average equity (ytd only) | -15.0885% | 6,908 |
| Net charge-offs to loans | 2.7332% | 217 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.4677% | 5,487 |
| Efficiency ratio | 126.5391% | 164 |
| Assets per employee ($millions) | 3.3267% | 5,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4116% | 1,339 |
| Loan loss allowance to noncurrent loans | 135.3462% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 4.4561% | 1,046 |
| Noncurrent loans to loans | 1.7818% | 3,104 |
| Net loans and leases to total assets | 70.5112% | 1,811 |
| Net loans and leases to deposits | 83.3732% | 1,944 |
| Net loans and leases to core deposits | 83.3732% | 2,767 |
| Total domestic deposits to total assets | 84.5730% | 3,942 |
| Equity capital to assets | 5.6710% | 7,005 |
| Core capital (leverage) ratio | 5.7582% | 6,966 |
| Tier 1 risk-based capital ratio | 7.5531% | 7,019 |
| Total risk-based capital ratio | 8.8161% | 7,019 |
| Memoranda: |
| Average total assets | $90,642,000 | 5,113 |
| Average earning assets | $78,615,500 | 5,221 |
| Average equity | $5,310,750 | 6,272 |
| Average total loans | $66,537,000 | 4,525 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8091% | 2,470 |
| Cost of funding earning assets | 1.2731% | 587 |
| Net interest margin | 3.5359% | 4,523 |
| Noninterest income to average assets | 0.3923% | 4,712 |
| Noninterest expense to average assets | 4.4398% | 580 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -1.0102% | 6,915 |
| Return on assets (ROA) | -0.9267% | 6,909 |
| Pretax return on assets | -0.9267% | 6,879 |
| Return on Equity (ROE) | -15.6353% | 6,985 |
| Retained earnings to average equity (ytd only) | -15.6353% | 6,949 |
| Net charge-offs to loans | 3.5888% | 144 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.3813% | 5,206 |
| Efficiency ratio | 129.4543% | 166 |
| Assets per employee ($millions) | 3.1994% | 5,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8400% | 910 |
| Loan loss allowance to noncurrent loans | 99.2042% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 7.7257% | 462 |
| Noncurrent loans to loans | 2.8627% | 2,093 |
| Net loans and leases to total assets | 71.4145% | 1,654 |
| Net loans and leases to deposits | 85.6393% | 1,646 |
| Net loans and leases to core deposits | 85.9350% | 2,435 |
| Total domestic deposits to total assets | 83.3899% | 4,579 |
| Equity capital to assets | 6.1640% | 7,016 |
| Core capital (leverage) ratio | 6.1917% | 6,963 |
| Tier 1 risk-based capital ratio | 7.8925% | 7,045 |
| Total risk-based capital ratio | 9.1605% | 7,048 |
| Memoranda: |
| Average total assets | $88,698,000 | 5,207 |
| Average earning assets | $76,189,000 | 5,319 |
| Average equity | $5,257,330 | 6,314 |
| Average total loans | $65,480,670 | 4,584 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7370% | 2,904 |
| Cost of funding earning assets | 1.2991% | 633 |
| Net interest margin | 3.4379% | 4,967 |
| Noninterest income to average assets | 0.2221% | 6,027 |
| Noninterest expense to average assets | 4.5233% | 544 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.3506% | 7,065 |
| Return on assets (ROA) | -1.1829% | 7,047 |
| Pretax return on assets | -1.1829% | 7,018 |
| Return on Equity (ROE) | -20.3707% | 7,113 |
| Retained earnings to average equity (ytd only) | -20.3707% | 7,047 |
| Net charge-offs to loans | 5.6847% | 73 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.3211% | 4,474 |
| Efficiency ratio | 142.5714% | 126 |
| Assets per employee ($millions) | 3.1365% | 5,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3033% | 619 |
| Loan loss allowance to noncurrent loans | 42.6527% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 11.4402% | 228 |
| Noncurrent loans to loans | 7.7445% | 519 |
| Net loans and leases to total assets | 70.5313% | 1,662 |
| Net loans and leases to deposits | 84.4126% | 1,609 |
| Net loans and leases to core deposits | 85.0023% | 2,405 |
| Total domestic deposits to total assets | 83.5554% | 4,694 |
| Equity capital to assets | 5.7184% | 7,094 |
| Core capital (leverage) ratio | 5.7526% | 7,061 |
| Tier 1 risk-based capital ratio | 7.0240% | 7,129 |
| Total risk-based capital ratio | 8.2946% | 7,130 |
| Memoranda: |
| Average total assets | $88,255,000 | 5,262 |
| Average earning assets | $75,744,500 | 5,372 |
| Average equity | $5,125,000 | 6,389 |
| Average total loans | $65,298,000 | 4,607 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6351% | 4,526 |
| Cost of funding earning assets | 1.4631% | 825 |
| Net interest margin | 3.1721% | 6,168 |
| Noninterest income to average assets | -0.4646% | 7,254 |
| Noninterest expense to average assets | 4.7662% | 469 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -2.4832% | 7,114 |
| Return on assets (ROA) | -2.4832% | 7,119 |
| Pretax return on assets | -2.4832% | 7,118 |
| Return on Equity (ROE) | -37.0953% | 7,145 |
| Retained earnings to average equity (ytd only) | -37.0953% | 7,140 |
| Net charge-offs to loans | 1.7591% | 848 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -1.9100% | 6,271 |
| Efficiency ratio | 208.7647% | 53 |
| Assets per employee ($millions) | 3.4111% | 5,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.5748% | 245 |
| Loan loss allowance to noncurrent loans | 61.3092% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 10.3283% | 307 |
| Noncurrent loans to loans | 7.4619% | 570 |
| Net loans and leases to total assets | 71.5925% | 1,716 |
| Net loans and leases to deposits | 86.7630% | 1,569 |
| Net loans and leases to core deposits | 87.3682% | 2,452 |
| Total domestic deposits to total assets | 82.5151% | 4,960 |
| Equity capital to assets | 5.8948% | 7,104 |
| Core capital (leverage) ratio | 6.1291% | 7,044 |
| Tier 1 risk-based capital ratio | 7.4568% | 7,135 |
| Total risk-based capital ratio | 8.7555% | 7,136 |
| Memoranda: |
| Average total assets | $85,455,200 | 5,297 |
| Average earning assets | $74,021,400 | 5,398 |
| Average equity | $5,720,400 | 6,226 |
| Average total loans | $63,158,600 | 4,745 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6241% | 4,774 |
| Cost of funding earning assets | 1.5177% | 802 |
| Net interest margin | 3.1064% | 6,372 |
| Noninterest income to average assets | -0.4473% | 7,337 |
| Noninterest expense to average assets | 4.9522% | 387 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -2.7076% | 7,241 |
| Return on assets (ROA) | -2.7076% | 7,254 |
| Pretax return on assets | -2.7076% | 7,244 |
| Return on Equity (ROE) | -39.2220% | 7,252 |
| Retained earnings to average equity (ytd only) | -39.2220% | 7,245 |
| Net charge-offs to loans | 2.4007% | 469 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -1.5321% | 5,988 |
| Efficiency ratio | 220.6316% | 40 |
| Assets per employee ($millions) | 3.3271% | 5,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.8325% | 210 |
| Loan loss allowance to noncurrent loans | 53.5393% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 11.0076% | 292 |
| Noncurrent loans to loans | 9.0262% | 430 |
| Net loans and leases to total assets | 69.0477% | 2,264 |
| Net loans and leases to deposits | 83.6236% | 2,058 |
| Net loans and leases to core deposits | 84.2191% | 3,032 |
| Total domestic deposits to total assets | 82.5696% | 4,850 |
| Equity capital to assets | 6.4344% | 7,141 |
| Core capital (leverage) ratio | 6.6272% | 7,047 |
| Tier 1 risk-based capital ratio | 8.3998% | 7,163 |
| Total risk-based capital ratio | 9.6933% | 7,163 |
| Memoranda: |
| Average total assets | $84,647,000 | 5,364 |
| Average earning assets | $73,353,000 | 5,469 |
| Average equity | $5,843,500 | 6,239 |
| Average total loans | $62,313,750 | 4,822 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5375% | 5,231 |
| Cost of funding earning assets | 1.5325% | 888 |
| Net interest margin | 3.0050% | 6,597 |
| Noninterest income to average assets | 0.2571% | 5,810 |
| Noninterest expense to average assets | 5.4506% | 270 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -2.5706% | 7,270 |
| Return on assets (ROA) | -2.5706% | 7,275 |
| Pretax return on assets | -2.5706% | 7,257 |
| Return on Equity (ROE) | -36.3881% | 7,289 |
| Retained earnings to average equity (ytd only) | -36.3881% | 7,284 |
| Net charge-offs to loans | 3.2334% | 298 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -1.0746% | 5,645 |
| Efficiency ratio | 189.2562% | 71 |
| Assets per employee ($millions) | 3.2826% | 5,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.2279% | 163 |
| Loan loss allowance to noncurrent loans | 36.6492% | 5,848 |
| Noncurrent assets plus other real estate owned to assets | 17.3499% | 98 |
| Noncurrent loans to loans | 14.2646% | 152 |
| Net loans and leases to total assets | 69.5847% | 2,302 |
| Net loans and leases to deposits | 85.7456% | 1,821 |
| Net loans and leases to core deposits | 86.0726% | 2,892 |
| Total domestic deposits to total assets | 81.1525% | 5,475 |
| Equity capital to assets | 7.3540% | 7,013 |
| Core capital (leverage) ratio | 7.4382% | 6,787 |
| Tier 1 risk-based capital ratio | 9.4613% | 7,109 |
| Total risk-based capital ratio | 10.7563% | 7,107 |
| Memoranda: |
| Average total assets | $84,028,000 | 5,424 |
| Average earning assets | $73,344,670 | 5,514 |
| Average equity | $5,936,000 | 6,248 |
| Average total loans | $62,164,330 | 4,860 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5910% | 4,988 |
| Cost of funding earning assets | 1.5713% | 911 |
| Net interest margin | 3.0197% | 6,534 |
| Noninterest income to average assets | 0.2776% | 5,683 |
| Noninterest expense to average assets | 5.3594% | 280 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -2.4232% | 7,329 |
| Return on assets (ROA) | -2.4232% | 7,327 |
| Pretax return on assets | -2.4232% | 7,312 |
| Return on Equity (ROE) | -34.9953% | 7,357 |
| Retained earnings to average equity (ytd only) | -34.9953% | 7,333 |
| Net charge-offs to loans | 2.7123% | 405 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -1.2033% | 4,915 |
| Efficiency ratio | 182.5321% | 81 |
| Assets per employee ($millions) | 3.1325% | 5,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.9752% | 104 |
| Loan loss allowance to noncurrent loans | 48.0903% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 14.2747% | 173 |
| Noncurrent loans to loans | 12.4248% | 259 |
| Net loans and leases to total assets | 72.0093% | 1,723 |
| Net loans and leases to deposits | 89.2623% | 1,321 |
| Net loans and leases to core deposits | 89.6060% | 2,392 |
| Total domestic deposits to total assets | 80.6716% | 5,761 |
| Equity capital to assets | 7.7574% | 6,706 |
| Core capital (leverage) ratio | 7.4369% | 6,765 |
| Tier 1 risk-based capital ratio | 9.7125% | 7,086 |
| Total risk-based capital ratio | 11.0188% | 7,079 |
| Memoranda: |
| Average total assets | $85,010,000 | 5,444 |
| Average earning assets | $74,842,000 | 5,514 |
| Average equity | $5,886,500 | 6,284 |
| Average total loans | $63,119,500 | 4,869 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0806% | 4,184 |
| Cost of funding earning assets | 1.8686% | 946 |
| Net interest margin | 3.2119% | 6,246 |
| Noninterest income to average assets | -0.1720% | 7,455 |
| Noninterest expense to average assets | 5.2321% | 357 |
| Loan and lease loss provision to assets | 2.8770% | 348 |
| Net operating income to assets | -5.4001% | 7,563 |
| Return on assets (ROA) | -5.0502% | 7,544 |
| Pretax return on assets | -5.0502% | 7,542 |
| Return on Equity (ROE) | -85.3466% | 7,566 |
| Retained earnings to average equity (ytd only) | -85.3466% | 7,564 |
| Net charge-offs to loans | 2.1116% | 933 |
| Credit loss provision to net charge-offs | 185.0384% | 1,775 |
| Earnings coverage of net charge-offs (x) | -1.6228% | 6,684 |
| Efficiency ratio | 193.1376% | 100 |
| Assets per employee ($millions) | 3.5430% | 4,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.5060% | 81 |
| Loan loss allowance to noncurrent loans | 62.9641% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 12.2958% | 262 |
| Noncurrent loans to loans | 10.3329% | 396 |
| Net loans and leases to total assets | 67.4107% | 3,122 |
| Net loans and leases to deposits | 81.0075% | 2,988 |
| Net loans and leases to core deposits | 84.0250% | 3,591 |
| Total domestic deposits to total assets | 83.2154% | 4,702 |
| Equity capital to assets | 6.1586% | 7,318 |
| Core capital (leverage) ratio | 6.3393% | 7,233 |
| Tier 1 risk-based capital ratio | 8.4492% | 7,309 |
| Total risk-based capital ratio | 9.7646% | 7,312 |
| Memoranda: |
| Average total assets | $100,590,200 | 4,969 |
| Average earning assets | $90,225,800 | 5,010 |
| Average equity | $5,952,200 | 6,378 |
| Average total loans | $74,065,400 | 4,527 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1969% | 3,846 |
| Cost of funding earning assets | 1.9438% | 896 |
| Net interest margin | 3.2531% | 6,160 |
| Noninterest income to average assets | -0.0257% | 7,480 |
| Noninterest expense to average assets | 5.0465% | 368 |
| Loan and lease loss provision to assets | 3.7247% | 177 |
| Net operating income to assets | -5.8741% | 7,690 |
| Return on assets (ROA) | -5.4210% | 7,680 |
| Pretax return on assets | -5.4210% | 7,668 |
| Return on Equity (ROE) | -92.4193% | 7,681 |
| Retained earnings to average equity (ytd only) | -92.4193% | 7,680 |
| Net charge-offs to loans | 2.2867% | 779 |
| Credit loss provision to net charge-offs | 220.2435% | 1,566 |
| Earnings coverage of net charge-offs (x) | -1.2709% | 6,483 |
| Efficiency ratio | 174.1892% | 126 |
| Assets per employee ($millions) | 3.3401% | 5,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.5027% | 87 |
| Loan loss allowance to noncurrent loans | 64.2972% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 13.9033% | 196 |
| Noncurrent loans to loans | 10.1135% | 409 |
| Net loans and leases to total assets | 72.9316% | 2,028 |
| Net loans and leases to deposits | 85.9178% | 2,362 |
| Net loans and leases to core deposits | 90.7120% | 2,994 |
| Total domestic deposits to total assets | 84.8854% | 3,675 |
| Equity capital to assets | 4.2801% | 7,623 |
| Core capital (leverage) ratio | 4.1280% | 7,614 |
| Tier 1 risk-based capital ratio | 5.1582% | 7,633 |
| Total risk-based capital ratio | 6.4682% | 7,633 |
| Memoranda: |
| Average total assets | $103,594,000 | 4,946 |
| Average earning assets | $93,078,500 | 4,975 |
| Average equity | $6,076,500 | 6,427 |
| Average total loans | $76,615,750 | 4,506 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1302% | 4,299 |
| Cost of funding earning assets | 2.0225% | 849 |
| Net interest margin | 3.1077% | 6,592 |
| Noninterest income to average assets | -0.0861% | 7,622 |
| Noninterest expense to average assets | 4.3086% | 722 |
| Loan and lease loss provision to assets | 2.9933% | 326 |
| Net operating income to assets | -4.5760% | 7,673 |
| Return on assets (ROA) | -4.3452% | 7,655 |
| Pretax return on assets | -4.3452% | 7,636 |
| Return on Equity (ROE) | -69.1243% | 7,680 |
| Retained earnings to average equity (ytd only) | -69.1243% | 7,678 |
| Net charge-offs to loans | 2.3349% | 751 |
| Credit loss provision to net charge-offs | 175.8881% | 2,228 |
| Earnings coverage of net charge-offs (x) | -0.9300% | 6,106 |
| Efficiency ratio | 158.0645% | 184 |
| Assets per employee ($millions) | 3.7889% | 4,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.7165% | 213 |
| Loan loss allowance to noncurrent loans | 34.6014% | 6,059 |
| Noncurrent assets plus other real estate owned to assets | 14.3219% | 170 |
| Noncurrent loans to loans | 13.6310% | 209 |
| Net loans and leases to total assets | 75.2655% | 1,634 |
| Net loans and leases to deposits | 89.7253% | 1,907 |
| Net loans and leases to core deposits | 96.5834% | 2,381 |
| Total domestic deposits to total assets | 83.8844% | 4,155 |
| Equity capital to assets | 6.2076% | 7,511 |
| Core capital (leverage) ratio | 5.3196% | 7,570 |
| Tier 1 risk-based capital ratio | 6.9469% | 7,607 |
| Total risk-based capital ratio | 8.2360% | 7,610 |
| Memoranda: |
| Average total assets | $109,177,670 | 4,825 |
| Average earning assets | $98,788,330 | 4,851 |
| Average equity | $6,863,000 | 6,185 |
| Average total loans | $79,574,000 | 4,455 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2471% | 3,796 |
| Cost of funding earning assets | 2.1999% | 591 |
| Net interest margin | 3.0472% | 6,718 |
| Noninterest income to average assets | 0.0722% | 7,350 |
| Noninterest expense to average assets | 3.5359% | 1,900 |
| Loan and lease loss provision to assets | 4.1854% | 202 |
| Net operating income to assets | -4.8932% | 7,779 |
| Return on assets (ROA) | -4.8932% | 7,786 |
| Pretax return on assets | -4.8932% | 7,758 |
| Return on Equity (ROE) | -77.4492% | 7,790 |
| Retained earnings to average equity (ytd only) | -77.4492% | 7,785 |
| Net charge-offs to loans | 1.5717% | 1,104 |
| Credit loss provision to net charge-offs | 378.2609% | 1,065 |
| Earnings coverage of net charge-offs (x) | -0.6398% | 5,322 |
| Efficiency ratio | 125.0304% | 390 |
| Assets per employee ($millions) | 4.3262% | 3,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.6982% | 222 |
| Loan loss allowance to noncurrent loans | 48.3561% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 10.8668% | 343 |
| Noncurrent loans to loans | 9.7159% | 445 |
| Net loans and leases to total assets | 67.1044% | 3,604 |
| Net loans and leases to deposits | 87.4673% | 2,319 |
| Net loans and leases to core deposits | 93.5814% | 2,891 |
| Total domestic deposits to total assets | 76.7194% | 6,620 |
| Equity capital to assets | 6.0233% | 7,620 |
| Core capital (leverage) ratio | 5.3729% | 7,666 |
| Tier 1 risk-based capital ratio | 7.4272% | 7,663 |
| Total risk-based capital ratio | 8.7138% | 7,668 |
| Memoranda: |
| Average total assets | $116,405,500 | 4,712 |
| Average earning assets | $105,277,500 | 4,728 |
| Average equity | $7,354,500 | 6,070 |
| Average total loans | $81,950,000 | 4,443 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9458% | 2,060 |
| Cost of funding earning assets | 2.7070% | 574 |
| Net interest margin | 3.2388% | 5,962 |
| Noninterest income to average assets | 0.2796% | 6,106 |
| Noninterest expense to average assets | 3.6766% | 1,962 |
| Loan and lease loss provision to assets | 3.8627% | 368 |
| Net operating income to assets | -4.6884% | 7,700 |
| Return on assets (ROA) | -4.6722% | 7,697 |
| Pretax return on assets | -4.2798% | 7,591 |
| Return on Equity (ROE) | -53.6849% | 7,715 |
| Retained earnings to average equity (ytd only) | -53.6849% | 7,710 |
| Net charge-offs to loans | 4.3207% | 350 |
| Credit loss provision to net charge-offs | 115.2570% | 4,733 |
| Earnings coverage of net charge-offs (x) | -0.1293% | 6,365 |
| Efficiency ratio | 113.3603% | 731 |
| Assets per employee ($millions) | 4.6281% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3353% | 599 |
| Loan loss allowance to noncurrent loans | 36.1808% | 6,018 |
| Noncurrent assets plus other real estate owned to assets | 11.1044% | 296 |
| Noncurrent loans to loans | 9.2184% | 479 |
| Net loans and leases to total assets | 68.0415% | 3,697 |
| Net loans and leases to deposits | 88.1599% | 2,532 |
| Net loans and leases to core deposits | 94.0627% | 4,665 |
| Total domestic deposits to total assets | 77.1796% | 6,423 |
| Equity capital to assets | 6.5935% | 7,542 |
| Core capital (leverage) ratio | 6.1762% | 7,591 |
| Tier 1 risk-based capital ratio | 8.4952% | 7,588 |
| Total risk-based capital ratio | 9.7685% | 7,612 |
| Memoranda: |
| Average total assets | $129,467,800 | 4,345 |
| Average earning assets | $118,470,400 | 4,340 |
| Average equity | $11,267,600 | 4,956 |
| Average total loans | $100,423,200 | 3,935 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9266% | 2,331 |
| Cost of funding earning assets | 2.7919% | 609 |
| Net interest margin | 3.1347% | 6,215 |
| Noninterest income to average assets | 0.2166% | 6,683 |
| Noninterest expense to average assets | 3.4822% | 2,324 |
| Loan and lease loss provision to assets | 2.3033% | 738 |
| Net operating income to assets | -2.6908% | 7,512 |
| Return on assets (ROA) | -2.6696% | 7,512 |
| Pretax return on assets | -2.6696% | 7,409 |
| Return on Equity (ROE) | -29.0658% | 7,588 |
| Retained earnings to average equity (ytd only) | -29.0658% | 7,578 |
| Net charge-offs to loans | 2.3701% | 780 |
| Credit loss provision to net charge-offs | 122.6954% | 4,126 |
| Earnings coverage of net charge-offs (x) | -0.2065% | 6,294 |
| Efficiency ratio | 112.5245% | 723 |
| Assets per employee ($millions) | 4.1989% | 3,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7468% | 839 |
| Loan loss allowance to noncurrent loans | 25.2307% | 6,773 |
| Noncurrent assets plus other real estate owned to assets | 11.5113% | 257 |
| Noncurrent loans to loans | 10.8869% | 336 |
| Net loans and leases to total assets | 75.5114% | 2,097 |
| Net loans and leases to deposits | 100.5820% | 1,058 |
| Net loans and leases to core deposits | 111.1100% | 3,112 |
| Total domestic deposits to total assets | 75.0745% | 6,763 |
| Equity capital to assets | 8.9220% | 5,604 |
| Core capital (leverage) ratio | 7.9884% | 6,381 |
| Tier 1 risk-based capital ratio | 10.3036% | 6,679 |
| Total risk-based capital ratio | 11.5703% | 6,602 |
| Memoranda: |
| Average total assets | $131,752,000 | 4,331 |
| Average earning assets | $120,966,500 | 4,321 |
| Average equity | $12,101,000 | 4,765 |
| Average total loans | $104,354,000 | 3,864 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8913% | 2,625 |
| Cost of funding earning assets | 2.8403% | 710 |
| Net interest margin | 3.0510% | 6,396 |
| Noninterest income to average assets | 0.2813% | 6,256 |
| Noninterest expense to average assets | 3.4009% | 2,626 |
| Loan and lease loss provision to assets | 2.6888% | 573 |
| Net operating income to assets | -2.9997% | 7,673 |
| Return on assets (ROA) | -2.9997% | 7,671 |
| Pretax return on assets | -2.9997% | 7,571 |
| Return on Equity (ROE) | -32.3815% | 7,748 |
| Retained earnings to average equity (ytd only) | -32.3815% | 7,722 |
| Net charge-offs to loans | 3.1313% | 521 |
| Credit loss provision to net charge-offs | 107.7745% | 4,282 |
| Earnings coverage of net charge-offs (x) | -0.1246% | 5,819 |
| Efficiency ratio | 110.0623% | 848 |
| Assets per employee ($millions) | 4.3830% | 2,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2853% | 1,118 |
| Loan loss allowance to noncurrent loans | 29.3511% | 6,536 |
| Noncurrent assets plus other real estate owned to assets | 8.4137% | 429 |
| Noncurrent loans to loans | 7.7862% | 580 |
| Net loans and leases to total assets | 72.5974% | 3,066 |
| Net loans and leases to deposits | 97.5900% | 1,585 |
| Net loans and leases to core deposits | 106.2736% | 3,808 |
| Total domestic deposits to total assets | 74.3902% | 6,897 |
| Equity capital to assets | 8.2628% | 6,395 |
| Core capital (leverage) ratio | 7.6704% | 6,800 |
| Tier 1 risk-based capital ratio | 10.0280% | 6,886 |
| Total risk-based capital ratio | 11.2891% | 6,801 |
| Memoranda: |
| Average total assets | $135,080,330 | 4,278 |
| Average earning assets | $124,353,330 | 4,261 |
| Average equity | $12,513,330 | 4,676 |
| Average total loans | $107,623,670 | 3,820 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9289% | 2,654 |
| Cost of funding earning assets | 2.7436% | 1,130 |
| Net interest margin | 3.1853% | 5,901 |
| Noninterest income to average assets | 0.2406% | 6,532 |
| Noninterest expense to average assets | 3.1125% | 3,330 |
| Loan and lease loss provision to assets | 1.4137% | 900 |
| Net operating income to assets | -1.3513% | 7,438 |
| Return on assets (ROA) | -1.3513% | 7,451 |
| Pretax return on assets | -1.3513% | 7,320 |
| Return on Equity (ROE) | -13.8335% | 7,559 |
| Retained earnings to average equity (ytd only) | -13.8335% | 7,373 |
| Net charge-offs to loans | 0.6525% | 1,878 |
| Credit loss provision to net charge-offs | 262.9834% | 1,796 |
| Earnings coverage of net charge-offs (x) | 0.1160% | 4,888 |
| Efficiency ratio | 98.0355% | 1,217 |
| Assets per employee ($millions) | 4.4861% | 2,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2650% | 992 |
| Loan loss allowance to noncurrent loans | 27.8086% | 6,706 |
| Noncurrent assets plus other real estate owned to assets | 8.2727% | 339 |
| Noncurrent loans to loans | 8.1449% | 434 |
| Net loans and leases to total assets | 73.8834% | 2,786 |
| Net loans and leases to deposits | 99.0762% | 1,526 |
| Net loans and leases to core deposits | 117.3963% | 2,646 |
| Total domestic deposits to total assets | 74.5723% | 6,789 |
| Equity capital to assets | 9.0223% | 5,330 |
| Core capital (leverage) ratio | 9.2487% | 4,323 |
| Tier 1 risk-based capital ratio | 10.7596% | 6,132 |
| Total risk-based capital ratio | 12.0208% | 6,029 |
| Memoranda: |
| Average total assets | $134,683,500 | 4,313 |
| Average earning assets | $124,070,500 | 4,287 |
| Average equity | $13,156,500 | 4,545 |
| Average total loans | $110,961,500 | 3,767 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1178% | 885 |
| Cost of funding earning assets | 3.2410% | 1,066 |
| Net interest margin | 3.8768% | 3,669 |
| Noninterest income to average assets | 0.3004% | 6,312 |
| Noninterest expense to average assets | 3.1276% | 3,594 |
| Loan and lease loss provision to assets | 2.2623% | 505 |
| Net operating income to assets | -1.1209% | 7,301 |
| Return on assets (ROA) | -1.4136% | 7,375 |
| Pretax return on assets | -1.8160% | 7,379 |
| Return on Equity (ROE) | -12.0749% | 7,428 |
| Retained earnings to average equity (ytd only) | -12.0749% | 7,248 |
| Net charge-offs to loans | 1.7040% | 647 |
| Credit loss provision to net charge-offs | 148.8726% | 3,542 |
| Earnings coverage of net charge-offs (x) | 0.5406% | 5,907 |
| Efficiency ratio | 79.1969% | 2,725 |
| Assets per employee ($millions) | 3.9316% | 3,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9074% | 1,399 |
| Loan loss allowance to noncurrent loans | 37.0250% | 6,259 |
| Noncurrent assets plus other real estate owned to assets | 4.9884% | 699 |
| Noncurrent loans to loans | 5.1516% | 831 |
| Net loans and leases to total assets | 88.4168% | 332 |
| Net loans and leases to deposits | 125.5338% | 276 |
| Net loans and leases to core deposits | 152.5083% | 766 |
| Total domestic deposits to total assets | 70.4326% | 7,229 |
| Equity capital to assets | 10.6199% | 3,367 |
| Core capital (leverage) ratio | 10.4655% | 3,006 |
| Tier 1 risk-based capital ratio | 11.6417% | 5,111 |
| Total risk-based capital ratio | 12.8997% | 4,993 |
| Memoranda: |
| Average total assets | $125,494,400 | 4,386 |
| Average earning assets | $118,112,000 | 4,303 |
| Average equity | $14,691,600 | 4,194 |
| Average total loans | $111,912,400 | 3,639 |
