Home > Thayer County Bank > Performance and Condition Ratios
Thayer County Bank, Performance and Condition Ratios
| 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 | 5.1606% | 1,741 |
| Cost of funding earning assets | 1.7717% | 1,303 |
| Net interest margin | 3.3890% | 2,425 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.5522% | 2,149 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.8616% | 2,668 |
| Return on assets (ROA) | 0.8369% | 2,729 |
| Pretax return on assets | 0.9183% | 2,913 |
| Return on Equity (ROE) | 9.6300% | 2,600 |
| Retained earnings to average equity (ytd only) | 7.6946% | 1,631 |
| Net charge-offs to loans | 0.2319% | 465 |
| Credit loss provision to net charge-offs | 25.2174% | 2,289 |
| Earnings coverage of net charge-offs (x) | 6.7043% | 2,452 |
| Efficiency ratio | 71.9330% | 1,669 |
| Assets per employee ($millions) | 7.4685% | 1,749 |
| Cash dividends to net income (ytd only)* | 20.0617% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6453% | 769 |
| Loan loss allowance to noncurrent loans | 193.3486% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.5879% | 938 |
| Noncurrent loans to loans | 0.8509% | 896 |
| Net loans and leases to total assets | 61.3400% | 2,726 |
| Net loans and leases to deposits | 80.8101% | 2,046 |
| Net loans and leases to core deposits | 87.6463% | 2,200 |
| Total domestic deposits to total assets | 75.9100% | 3,951 |
| Equity capital to assets | 8.9332% | 2,716 |
| Core capital (leverage) ratio | 12.5565% | 1,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $77,424,800 | 4,039 |
| Average earning assets | $70,611,800 | 4,031 |
| Average equity | $6,732,000 | 4,077 |
| Average total loans | $49,585,800 | 3,848 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1192% | 1,595 |
| Cost of funding earning assets | 1.6246% | 1,326 |
| Net interest margin | 3.4945% | 2,221 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.5584% | 2,060 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.9578% | 2,492 |
| Return on assets (ROA) | 0.9251% | 2,584 |
| Pretax return on assets | 1.0353% | 2,757 |
| Return on Equity (ROE) | 10.7200% | 2,441 |
| Retained earnings to average equity (ytd only) | 10.7187% | 1,209 |
| Net charge-offs to loans | 0.1762% | 493 |
| Credit loss provision to net charge-offs | 27.6923% | 1,981 |
| Earnings coverage of net charge-offs (x) | 9.8615% | 2,151 |
| Efficiency ratio | 69.5342% | 1,841 |
| Assets per employee ($millions) | 6.9695% | 1,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7815% | 589 |
| Loan loss allowance to noncurrent loans | 217.7778% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.5896% | 998 |
| Noncurrent loans to loans | 0.8180% | 1,008 |
| Net loans and leases to total assets | 63.4300% | 2,512 |
| Net loans and leases to deposits | 83.3542% | 1,797 |
| Net loans and leases to core deposits | 89.6484% | 1,955 |
| Total domestic deposits to total assets | 76.1000% | 4,003 |
| Equity capital to assets | 8.1080% | 2,977 |
| Core capital (leverage) ratio | 12.6509% | 1,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $76,242,500 | 4,069 |
| Average earning assets | $69,592,750 | 4,057 |
| Average equity | $6,580,250 | 4,095 |
| Average total loans | $49,173,000 | 3,862 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9428% | 1,671 |
| Cost of funding earning assets | 1.3789% | 1,508 |
| Net interest margin | 3.5639% | 2,121 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.5624% | 2,028 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.9356% | 2,631 |
| Return on assets (ROA) | 0.9356% | 2,617 |
| Pretax return on assets | 0.9960% | 2,917 |
| Return on Equity (ROE) | 10.6200% | 2,529 |
| Retained earnings to average equity (ytd only) | 10.6242% | 1,261 |
| Net charge-offs to loans | 0.1223% | 596 |
| Credit loss provision to net charge-offs | 26.6667% | 1,745 |
| Earnings coverage of net charge-offs (x) | 13.2333% | 1,910 |
| Efficiency ratio | 71.0641% | 1,663 |
| Assets per employee ($millions) | 6.3218% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8122% | 592 |
| Loan loss allowance to noncurrent loans | 121.2567% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.9860% | 479 |
| Noncurrent loans to loans | 1.4945% | 444 |
| Net loans and leases to total assets | 64.7800% | 2,300 |
| Net loans and leases to deposits | 84.6333% | 1,614 |
| Net loans and leases to core deposits | 87.7556% | 1,943 |
| Total domestic deposits to total assets | 76.5400% | 4,001 |
| Equity capital to assets | 9.0757% | 2,464 |
| Core capital (leverage) ratio | 12.6714% | 1,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $76,101,667 | 4,090 |
| Average earning assets | $69,475,000 | 4,081 |
| Average equity | $6,701,667 | 4,107 |
| Average total loans | $49,060,667 | 3,871 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7051% | 1,839 |
| Cost of funding earning assets | 1.0986% | 1,751 |
| Net interest margin | 3.6065% | 2,113 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.7079% | 1,651 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.8502% | 3,021 |
| Return on assets (ROA) | 0.8502% | 2,971 |
| Pretax return on assets | 0.9971% | 3,005 |
| Return on Equity (ROE) | 9.8000% | 2,849 |
| Retained earnings to average equity (ytd only) | 9.8033% | 1,744 |
| Net charge-offs to loans | -0.0659% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.3703% | 1,509 |
| Assets per employee ($millions) | 6.7917% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9397% | 492 |
| Loan loss allowance to noncurrent loans | 69.8804% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 1.7909% | 154 |
| Noncurrent loans to loans | 2.7757% | 165 |
| Net loans and leases to total assets | 63.2700% | 2,327 |
| Net loans and leases to deposits | 81.6263% | 1,689 |
| Net loans and leases to core deposits | 83.8251% | 1,994 |
| Total domestic deposits to total assets | 77.5100% | 4,049 |
| Equity capital to assets | 9.1515% | 2,407 |
| Core capital (leverage) ratio | 12.6280% | 1,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $76,221,500 | 4,144 |
| Average earning assets | $69,541,500 | 4,137 |
| Average equity | $6,610,000 | 4,172 |
| Average total loans | $48,565,500 | 3,925 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2752% | 1,100 |
| Cost of funding earning assets | 0.5853% | 962 |
| Net interest margin | 3.6899% | 1,400 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.3271% | 2,649 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.0567% | 2,351 |
| Return on assets (ROA) | 0.9515% | 2,711 |
| Pretax return on assets | 1.1082% | 2,747 |
| Return on Equity (ROE) | 10.6900% | 2,580 |
| Retained earnings to average equity (ytd only) | 8.6828% | 1,573 |
| Net charge-offs to loans | -0.0888% | 4,493 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.4444% | 2,443 |
| Assets per employee ($millions) | 7.7734% | 1,448 |
| Cash dividends to net income (ytd only)* | 18.7416% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8987% | 542 |
| Loan loss allowance to noncurrent loans | 179.6905% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.8761% | 517 |
| Noncurrent loans to loans | 1.0567% | 682 |
| Net loans and leases to total assets | 61.7500% | 2,467 |
| Net loans and leases to deposits | 76.5518% | 2,060 |
| Net loans and leases to core deposits | 77.8102% | 2,295 |
| Total domestic deposits to total assets | 80.6600% | 3,797 |
| Equity capital to assets | 8.2113% | 2,928 |
| Core capital (leverage) ratio | 12.5372% | 1,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $78,508,400 | 4,146 |
| Average earning assets | $71,763,000 | 4,134 |
| Average equity | $6,990,800 | 4,216 |
| Average total loans | $48,421,200 | 3,921 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2095% | 872 |
| Cost of funding earning assets | 0.5496% | 580 |
| Net interest margin | 3.6600% | 1,243 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.2261% | 2,859 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.0550% | 2,270 |
| Return on assets (ROA) | 0.9233% | 2,751 |
| Pretax return on assets | 1.1418% | 2,586 |
| Return on Equity (ROE) | 10.1700% | 2,674 |
| Retained earnings to average equity (ytd only) | 10.1732% | 1,296 |
| Net charge-offs to loans | -0.0911% | 4,470 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.0983% | 2,818 |
| Assets per employee ($millions) | 7.4626% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8995% | 605 |
| Loan loss allowance to noncurrent loans | 175.8221% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.9139% | 515 |
| Noncurrent loans to loans | 1.0804% | 697 |
| Net loans and leases to total assets | 62.9100% | 2,203 |
| Net loans and leases to deposits | 77.7557% | 1,737 |
| Net loans and leases to core deposits | 80.1205% | 1,895 |
| Total domestic deposits to total assets | 80.9000% | 4,001 |
| Equity capital to assets | 8.0843% | 2,851 |
| Core capital (leverage) ratio | 12.2263% | 1,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $78,702,000 | 4,175 |
| Average earning assets | $72,056,750 | 4,164 |
| Average equity | $7,142,750 | 4,237 |
| Average total loans | $48,294,750 | 3,939 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1473% | 704 |
| Cost of funding earning assets | 0.5194% | 465 |
| Net interest margin | 3.6279% | 1,027 |
| Noninterest income to average assets | 0.2423% | 3,721 |
| Noninterest expense to average assets | 2.1209% | 3,094 |
| Loan and lease loss provision to assets | 0.0525% | 1,641 |
| Net operating income to assets | 1.1211% | 1,698 |
| Return on assets (ROA) | 0.9293% | 2,427 |
| Pretax return on assets | 1.1616% | 2,202 |
| Return on Equity (ROE) | 9.9033% | 2,370 |
| Retained earnings to average equity (ytd only) | 9.9033% | 1,048 |
| Net charge-offs to loans | -0.0248% | 3,972 |
| Credit loss provision to net charge-offs | -350.0000% | 3,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3291% | 3,397 |
| Assets per employee ($millions) | 7.6132% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8767% | 695 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2233% | 2,197 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 59.8172% | 2,341 |
| Net loans and leases to deposits | 73.8578% | 1,882 |
| Net loans and leases to core deposits | 76.0546% | 2,010 |
| Total domestic deposits to total assets | 80.9896% | 4,133 |
| Equity capital to assets | 8.6258% | 2,674 |
| Core capital (leverage) ratio | 11.7955% | 1,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,060,667 | 4,201 |
| Average earning assets | $73,542,000 | 4,197 |
| Average equity | $7,512,667 | 4,254 |
| Average total loans | $48,441,667 | 3,984 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1135% | 621 |
| Cost of funding earning assets | 0.4852% | 535 |
| Net interest margin | 3.6283% | 855 |
| Noninterest income to average assets | 0.2585% | 3,590 |
| Noninterest expense to average assets | 1.9799% | 3,480 |
| Loan and lease loss provision to assets | 0.0536% | 1,422 |
| Net operating income to assets | 1.2191% | 1,204 |
| Return on assets (ROA) | 0.9070% | 2,249 |
| Pretax return on assets | 1.1850% | 1,860 |
| Return on Equity (ROE) | 9.3169% | 2,207 |
| Retained earnings to average equity (ytd only) | 9.3169% | 1,180 |
| Net charge-offs to loans | 0.0081% | 1,454 |
| Credit loss provision to net charge-offs | 1,100.0000% | 312 |
| Earnings coverage of net charge-offs (x) | 335.0000% | 292 |
| Efficiency ratio | 54.7908% | 3,996 |
| Assets per employee ($millions) | 7.9065% | 1,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7130% | 1,031 |
| Loan loss allowance to noncurrent loans | 28,466.6667% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.2251% | 2,297 |
| Noncurrent loans to loans | 0.0060% | 3,988 |
| Net loans and leases to total assets | 61.9756% | 1,861 |
| Net loans and leases to deposits | 76.9766% | 1,367 |
| Net loans and leases to core deposits | 79.1923% | 1,539 |
| Total domestic deposits to total assets | 80.5122% | 4,250 |
| Equity capital to assets | 9.3328% | 2,417 |
| Core capital (leverage) ratio | 10.6993% | 1,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,025,000 | 4,195 |
| Average earning assets | $75,847,500 | 4,192 |
| Average equity | $7,985,500 | 4,273 |
| Average total loans | $49,457,000 | 3,984 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7110% | 2,082 |
| Cost of funding earning assets | 0.5307% | 789 |
| Net interest margin | 3.1803% | 2,655 |
| Noninterest income to average assets | 0.2978% | 3,616 |
| Noninterest expense to average assets | 2.0316% | 3,577 |
| Loan and lease loss provision to assets | 0.0546% | 1,961 |
| Net operating income to assets | 0.9063% | 3,015 |
| Return on assets (ROA) | 0.9543% | 2,926 |
| Pretax return on assets | 1.2174% | 2,605 |
| Return on Equity (ROE) | 9.0458% | 2,895 |
| Retained earnings to average equity (ytd only) | 7.2343% | 1,831 |
| Net charge-offs to loans | -0.3627% | 4,762 |
| Credit loss provision to net charge-offs | -26.3473% | 3,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6483% | 2,770 |
| Assets per employee ($millions) | 8.4985% | 1,082 |
| Cash dividends to net income (ytd only)* | 20.0260% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7204% | 1,007 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2130% | 2,499 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 56.7335% | 2,512 |
| Net loans and leases to deposits | 70.6830% | 2,053 |
| Net loans and leases to core deposits | 72.5769% | 2,201 |
| Total domestic deposits to total assets | 80.2648% | 4,196 |
| Equity capital to assets | 10.1100% | 2,546 |
| Core capital (leverage) ratio | 10.5670% | 1,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,578,800 | 4,213 |
| Average earning assets | $74,615,800 | 4,200 |
| Average equity | $8,501,200 | 4,292 |
| Average total loans | $46,049,800 | 4,071 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7179% | 2,225 |
| Cost of funding earning assets | 0.5513% | 826 |
| Net interest margin | 3.1665% | 2,840 |
| Noninterest income to average assets | 0.3154% | 3,533 |
| Noninterest expense to average assets | 1.9712% | 3,757 |
| Loan and lease loss provision to assets | 0.0554% | 1,879 |
| Net operating income to assets | 0.9700% | 3,020 |
| Return on assets (ROA) | 1.0586% | 2,763 |
| Pretax return on assets | 1.3286% | 2,544 |
| Return on Equity (ROE) | 9.9229% | 2,763 |
| Retained earnings to average equity (ytd only) | 9.9229% | 1,345 |
| Net charge-offs to loans | -0.2002% | 4,771 |
| Credit loss provision to net charge-offs | -48.5294% | 3,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7549% | 2,871 |
| Assets per employee ($millions) | 8.1695% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 1,571 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 2,670 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 58.3757% | 2,440 |
| Net loans and leases to deposits | 73.9254% | 1,861 |
| Net loans and leases to core deposits | 75.7273% | 2,073 |
| Total domestic deposits to total assets | 78.9657% | 4,341 |
| Equity capital to assets | 10.5612% | 2,412 |
| Core capital (leverage) ratio | 10.6689% | 1,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,477,250 | 4,277 |
| Average earning assets | $73,517,250 | 4,266 |
| Average equity | $8,478,500 | 4,353 |
| Average total loans | $45,297,500 | 4,140 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5998% | 2,619 |
| Cost of funding earning assets | 0.5674% | 876 |
| Net interest margin | 3.0325% | 3,238 |
| Noninterest income to average assets | 0.3302% | 3,449 |
| Noninterest expense to average assets | 1.9076% | 3,944 |
| Loan and lease loss provision to assets | 0.0559% | 1,910 |
| Net operating income to assets | 0.9000% | 3,219 |
| Return on assets (ROA) | 1.0465% | 2,810 |
| Pretax return on assets | 1.3488% | 2,484 |
| Return on Equity (ROE) | 9.7762% | 2,840 |
| Retained earnings to average equity (ytd only) | 9.7762% | 1,475 |
| Net charge-offs to loans | -0.2079% | 4,799 |
| Credit loss provision to net charge-offs | -47.8261% | 2,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0073% | 2,870 |
| Assets per employee ($millions) | 8.1439% | 1,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5848% | 1,313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 2,767 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 53.4535% | 3,202 |
| Net loans and leases to deposits | 67.6667% | 2,651 |
| Net loans and leases to core deposits | 69.3207% | 2,842 |
| Total domestic deposits to total assets | 78.9953% | 4,343 |
| Equity capital to assets | 10.5134% | 2,384 |
| Core capital (leverage) ratio | 10.4330% | 2,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,738,000 | 4,313 |
| Average earning assets | $72,614,333 | 4,308 |
| Average equity | $8,428,667 | 4,377 |
| Average total loans | $44,255,333 | 4,186 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4028% | 3,186 |
| Cost of funding earning assets | 0.6028% | 867 |
| Net interest margin | 2.8000% | 3,762 |
| Noninterest income to average assets | 0.3825% | 3,185 |
| Noninterest expense to average assets | 1.8453% | 4,121 |
| Loan and lease loss provision to assets | 0.0620% | 1,890 |
| Net operating income to assets | 0.8591% | 3,237 |
| Return on assets (ROA) | 0.8167% | 3,438 |
| Pretax return on assets | 0.9924% | 3,393 |
| Return on Equity (ROE) | 7.5580% | 3,462 |
| Retained earnings to average equity (ytd only) | 7.5580% | 2,397 |
| Net charge-offs to loans | 0.0271% | 1,223 |
| Credit loss provision to net charge-offs | 400.0000% | 654 |
| Earnings coverage of net charge-offs (x) | 71.3333% | 751 |
| Efficiency ratio | 62.5219% | 2,669 |
| Assets per employee ($millions) | 8.0856% | 1,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 1,791 |
| Loan loss allowance to noncurrent loans | 76.4286% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 1.3036% | 544 |
| Noncurrent loans to loans | 1.8917% | 592 |
| Net loans and leases to total assets | 54.1234% | 3,229 |
| Net loans and leases to deposits | 69.0873% | 2,593 |
| Net loans and leases to core deposits | 70.8020% | 2,801 |
| Total domestic deposits to total assets | 78.3405% | 4,405 |
| Equity capital to assets | 10.2206% | 2,504 |
| Core capital (leverage) ratio | 10.6696% | 1,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,387,500 | 4,348 |
| Average earning assets | $71,000,500 | 4,341 |
| Average equity | $8,362,000 | 4,399 |
| Average total loans | $44,266,500 | 4,201 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1043% | 2,411 |
| Cost of funding earning assets | 0.8763% | 921 |
| Net interest margin | 3.2280% | 3,279 |
| Noninterest income to average assets | 0.5765% | 2,316 |
| Noninterest expense to average assets | 2.2534% | 3,532 |
| Loan and lease loss provision to assets | 0.1133% | 2,931 |
| Net operating income to assets | 0.9388% | 2,525 |
| Return on assets (ROA) | 0.9433% | 2,658 |
| Pretax return on assets | 1.1841% | 2,387 |
| Return on Equity (ROE) | 8.2304% | 2,722 |
| Retained earnings to average equity (ytd only) | 6.5868% | 1,553 |
| Net charge-offs to loans | 0.0449% | 2,167 |
| Credit loss provision to net charge-offs | 400.0000% | 1,431 |
| Earnings coverage of net charge-offs (x) | 45.6000% | 1,281 |
| Efficiency ratio | 63.5637% | 2,885 |
| Assets per employee ($millions) | 7.3919% | 1,341 |
| Cash dividends to net income (ytd only)* | 19.9700% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4344% | 1,833 |
| Loan loss allowance to noncurrent loans | 171.0811% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.5871% | 1,796 |
| Noncurrent loans to loans | 0.8385% | 1,671 |
| Net loans and leases to total assets | 58.8428% | 2,999 |
| Net loans and leases to deposits | 77.0304% | 2,170 |
| Net loans and leases to core deposits | 79.1787% | 2,432 |
| Total domestic deposits to total assets | 76.3890% | 4,479 |
| Equity capital to assets | 11.4450% | 1,926 |
| Core capital (leverage) ratio | 11.2988% | 1,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,603,200 | 4,378 |
| Average earning assets | $64,931,400 | 4,374 |
| Average equity | $8,092,000 | 4,413 |
| Average total loans | $44,520,800 | 4,211 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1581% | 2,500 |
| Cost of funding earning assets | 0.9169% | 1,012 |
| Net interest margin | 3.2412% | 3,360 |
| Noninterest income to average assets | 0.6344% | 2,053 |
| Noninterest expense to average assets | 2.2109% | 3,653 |
| Loan and lease loss provision to assets | 0.1247% | 2,775 |
| Net operating income to assets | 0.9429% | 2,550 |
| Return on assets (ROA) | 0.9459% | 2,669 |
| Pretax return on assets | 1.2956% | 2,067 |
| Return on Equity (ROE) | 8.2498% | 2,710 |
| Retained earnings to average equity (ytd only) | 8.2498% | 1,222 |
| Net charge-offs to loans | 0.0657% | 1,675 |
| Credit loss provision to net charge-offs | 295.4545% | 1,776 |
| Earnings coverage of net charge-offs (x) | 33.6818% | 1,495 |
| Efficiency ratio | 60.9589% | 3,224 |
| Assets per employee ($millions) | 6.4646% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 1,728 |
| Loan loss allowance to noncurrent loans | 42.1918% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 2.2092% | 270 |
| Noncurrent loans to loans | 3.3245% | 260 |
| Net loans and leases to total assets | 60.8921% | 3,121 |
| Net loans and leases to deposits | 80.8820% | 2,213 |
| Net loans and leases to core deposits | 83.2615% | 2,556 |
| Total domestic deposits to total assets | 75.2851% | 4,480 |
| Equity capital to assets | 11.7549% | 1,840 |
| Core capital (leverage) ratio | 11.1870% | 1,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,774,250 | 4,398 |
| Average earning assets | $64,419,500 | 4,397 |
| Average equity | $8,000,000 | 4,444 |
| Average total loans | $44,618,750 | 4,236 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2354% | 2,652 |
| Cost of funding earning assets | 0.9673% | 1,080 |
| Net interest margin | 3.2681% | 3,470 |
| Noninterest income to average assets | 0.3664% | 3,283 |
| Noninterest expense to average assets | 2.2559% | 3,639 |
| Loan and lease loss provision to assets | 0.1442% | 2,567 |
| Net operating income to assets | 0.6750% | 3,483 |
| Return on assets (ROA) | 0.6750% | 3,589 |
| Pretax return on assets | 0.9780% | 3,089 |
| Return on Equity (ROE) | 5.9388% | 3,528 |
| Retained earnings to average equity (ytd only) | 5.9388% | 2,107 |
| Net charge-offs to loans | 0.1026% | 1,252 |
| Credit loss provision to net charge-offs | 217.3913% | 1,847 |
| Earnings coverage of net charge-offs (x) | 16.9130% | 1,836 |
| Efficiency ratio | 66.7805% | 2,405 |
| Assets per employee ($millions) | 6.8615% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 2,346 |
| Loan loss allowance to noncurrent loans | 41.1081% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 2.3398% | 259 |
| Noncurrent loans to loans | 2.9964% | 323 |
| Net loans and leases to total assets | 63.8486% | 2,900 |
| Net loans and leases to deposits | 84.7940% | 1,916 |
| Net loans and leases to core deposits | 92.2616% | 1,876 |
| Total domestic deposits to total assets | 75.2984% | 4,492 |
| Equity capital to assets | 10.7463% | 2,529 |
| Core capital (leverage) ratio | 10.6612% | 2,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,328,667 | 4,409 |
| Average earning assets | $63,890,333 | 4,409 |
| Average equity | $7,880,333 | 4,473 |
| Average total loans | $44,852,667 | 4,238 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3970% | 2,627 |
| Cost of funding earning assets | 1.0207% | 1,332 |
| Net interest margin | 3.3762% | 3,372 |
| Noninterest income to average assets | 0.3139% | 3,634 |
| Noninterest expense to average assets | 2.4874% | 3,309 |
| Loan and lease loss provision to assets | 0.2113% | 1,449 |
| Net operating income to assets | 0.4528% | 4,009 |
| Return on assets (ROA) | 0.4528% | 4,061 |
| Pretax return on assets | 0.7305% | 3,594 |
| Return on Equity (ROE) | 3.8635% | 3,990 |
| Retained earnings to average equity (ytd only) | 3.8635% | 2,729 |
| Net charge-offs to loans | 0.2239% | 633 |
| Credit loss provision to net charge-offs | 145.8333% | 1,596 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 1,981 |
| Efficiency ratio | 72.5352% | 2,000 |
| Assets per employee ($millions) | 6.1421% | 1,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 1,752 |
| Loan loss allowance to noncurrent loans | 39.9590% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 2.7426% | 235 |
| Noncurrent loans to loans | 3.4658% | 276 |
| Net loans and leases to total assets | 61.6550% | 3,336 |
| Net loans and leases to deposits | 79.3145% | 2,747 |
| Net loans and leases to core deposits | 86.0270% | 2,677 |
| Total domestic deposits to total assets | 77.7349% | 4,261 |
| Equity capital to assets | 11.6277% | 2,340 |
| Core capital (leverage) ratio | 11.4035% | 2,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,254,500 | 4,465 |
| Average earning assets | $61,133,000 | 4,463 |
| Average equity | $7,765,000 | 4,512 |
| Average total loans | $42,883,000 | 4,306 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6721% | 2,410 |
| Cost of funding earning assets | 1.0943% | 1,351 |
| Net interest margin | 3.5778% | 3,205 |
| Noninterest income to average assets | 0.4500% | 3,005 |
| Noninterest expense to average assets | 2.5476% | 3,326 |
| Loan and lease loss provision to assets | 0.1002% | 2,053 |
| Net operating income to assets | 0.8708% | 3,309 |
| Return on assets (ROA) | 0.8831% | 3,355 |
| Pretax return on assets | 1.1081% | 3,142 |
| Return on Equity (ROE) | 7.8008% | 3,248 |
| Retained earnings to average equity (ytd only) | 7.0112% | 1,387 |
| Net charge-offs to loans | 0.0675% | 2,123 |
| Credit loss provision to net charge-offs | 232.1429% | 1,155 |
| Earnings coverage of net charge-offs (x) | 27.6429% | 1,655 |
| Efficiency ratio | 68.1088% | 2,442 |
| Assets per employee ($millions) | 4.9958% | 2,605 |
| Cash dividends to net income (ytd only)* | 10.1222% | 3,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 1,848 |
| Loan loss allowance to noncurrent loans | 37.3533% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 2.9609% | 182 |
| Noncurrent loans to loans | 3.5244% | 232 |
| Net loans and leases to total assets | 66.1349% | 2,930 |
| Net loans and leases to deposits | 84.0466% | 2,328 |
| Net loans and leases to core deposits | 91.3736% | 2,289 |
| Total domestic deposits to total assets | 78.6884% | 4,245 |
| Equity capital to assets | 11.8160% | 2,269 |
| Core capital (leverage) ratio | 11.3251% | 2,228 |
| Tier 1 risk-based capital ratio | 21.7758% | 1,053 |
| Total risk-based capital ratio | 23.0291% | 1,027 |
| Memoranda: | ||
| Average total assets | $64,885,200 | 4,524 |
| Average earning assets | $59,673,600 | 4,520 |
| Average equity | $7,345,400 | 4,596 |
| Average total loans | $41,469,600 | 4,377 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6948% | 2,433 |
| Cost of funding earning assets | 1.0927% | 1,384 |
| Net interest margin | 3.6021% | 3,244 |
| Noninterest income to average assets | 0.4481% | 3,031 |
| Noninterest expense to average assets | 2.5199% | 3,377 |
| Loan and lease loss provision to assets | 0.1028% | 1,867 |
| Net operating income to assets | 0.9105% | 3,312 |
| Return on assets (ROA) | 0.9105% | 3,389 |
| Pretax return on assets | 1.1387% | 3,175 |
| Return on Equity (ROE) | 8.1320% | 3,244 |
| Retained earnings to average equity (ytd only) | 8.1320% | 1,337 |
| Net charge-offs to loans | 0.0293% | 2,497 |
| Credit loss provision to net charge-offs | 555.5556% | 583 |
| Earnings coverage of net charge-offs (x) | 67.1092% | 987 |
| Efficiency ratio | 66.9945% | 2,589 |
| Assets per employee ($millions) | 4.9488% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 1,874 |
| Loan loss allowance to noncurrent loans | 29.7576% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 3.6559% | 125 |
| Noncurrent loans to loans | 4.4444% | 136 |
| Net loans and leases to total assets | 66.9180% | 2,935 |
| Net loans and leases to deposits | 85.8017% | 2,218 |
| Net loans and leases to core deposits | 93.4327% | 2,229 |
| Total domestic deposits to total assets | 77.9914% | 4,351 |
| Equity capital to assets | 11.8180% | 2,403 |
| Core capital (leverage) ratio | 11.5166% | 2,202 |
| Tier 1 risk-based capital ratio | 22.6898% | 987 |
| Total risk-based capital ratio | 23.9449% | 960 |
| Memoranda: | ||
| Average total assets | $64,870,000 | 4,576 |
| Average earning assets | $59,667,500 | 4,576 |
| Average equity | $7,263,250 | 4,664 |
| Average total loans | $40,955,750 | 4,445 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4969% | 3,026 |
| Cost of funding earning assets | 1.0715% | 1,414 |
| Net interest margin | 3.4254% | 3,813 |
| Noninterest income to average assets | 0.4058% | 3,239 |
| Noninterest expense to average assets | 2.4935% | 3,501 |
| Loan and lease loss provision to assets | 0.0922% | 2,005 |
| Net operating income to assets | 0.7348% | 3,883 |
| Return on assets (ROA) | 0.7348% | 3,938 |
| Pretax return on assets | 0.9654% | 3,667 |
| Return on Equity (ROE) | 6.6853% | 3,801 |
| Retained earnings to average equity (ytd only) | 6.6853% | 1,960 |
| Net charge-offs to loans | 0.0499% | 1,933 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 34.4000% | 1,360 |
| Efficiency ratio | 70.2165% | 2,191 |
| Assets per employee ($millions) | 4.6410% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 1,688 |
| Loan loss allowance to noncurrent loans | 28.2808% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 3.7092% | 128 |
| Noncurrent loans to loans | 4.8879% | 111 |
| Net loans and leases to total assets | 61.0490% | 3,643 |
| Net loans and leases to deposits | 77.6227% | 3,180 |
| Net loans and leases to core deposits | 84.3904% | 3,076 |
| Total domestic deposits to total assets | 78.6484% | 4,288 |
| Equity capital to assets | 11.3338% | 2,755 |
| Core capital (leverage) ratio | 10.9992% | 2,603 |
| Tier 1 risk-based capital ratio | 21.5096% | 1,120 |
| Total risk-based capital ratio | 22.7647% | 1,095 |
| Memoranda: | ||
| Average total assets | $65,048,670 | 4,607 |
| Average earning assets | $59,730,330 | 4,613 |
| Average equity | $7,150,000 | 4,705 |
| Average total loans | $40,065,000 | 4,496 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4365% | 3,093 |
| Cost of funding earning assets | 1.0419% | 1,404 |
| Net interest margin | 3.3946% | 3,902 |
| Noninterest income to average assets | 0.2950% | 3,903 |
| Noninterest expense to average assets | 2.5013% | 3,504 |
| Loan and lease loss provision to assets | 0.0922% | 1,879 |
| Net operating income to assets | 0.6637% | 4,047 |
| Return on assets (ROA) | 0.6637% | 4,083 |
| Pretax return on assets | 0.8051% | 4,028 |
| Return on Equity (ROE) | 6.1337% | 3,976 |
| Retained earnings to average equity (ytd only) | 6.1337% | 2,401 |
| Net charge-offs to loans | 0.0400% | 1,702 |
| Credit loss provision to net charge-offs | 375.0000% | 719 |
| Earnings coverage of net charge-offs (x) | 36.5000% | 1,210 |
| Efficiency ratio | 73.5986% | 1,800 |
| Assets per employee ($millions) | 5.1255% | 2,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 1,876 |
| Loan loss allowance to noncurrent loans | 29.5996% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 3.4563% | 158 |
| Noncurrent loans to loans | 4.5579% | 144 |
| Net loans and leases to total assets | 60.0291% | 3,709 |
| Net loans and leases to deposits | 75.5777% | 3,298 |
| Net loans and leases to core deposits | 81.9211% | 3,194 |
| Total domestic deposits to total assets | 79.4270% | 4,264 |
| Equity capital to assets | 10.7397% | 3,116 |
| Core capital (leverage) ratio | 10.8282% | 2,741 |
| Tier 1 risk-based capital ratio | 20.8926% | 1,178 |
| Total risk-based capital ratio | 22.1457% | 1,156 |
| Memoranda: | ||
| Average total assets | $65,086,000 | 4,655 |
| Average earning assets | $59,506,000 | 4,663 |
| Average equity | $7,043,000 | 4,743 |
| Average total loans | $39,986,500 | 4,545 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3777% | 2,835 |
| Cost of funding earning assets | 0.6094% | 2,650 |
| Net interest margin | 3.7683% | 2,790 |
| Noninterest income to average assets | 0.5818% | 2,391 |
| Noninterest expense to average assets | 2.6815% | 3,092 |
| Loan and lease loss provision to assets | 0.6915% | 150 |
| Net operating income to assets | 0.5616% | 4,517 |
| Return on assets (ROA) | 0.5785% | 4,480 |
| Pretax return on assets | 0.6375% | 4,565 |
| Return on Equity (ROE) | 5.0801% | 4,435 |
| Retained earnings to average equity (ytd only) | 5.0801% | 2,721 |
| Net charge-offs to loans | 1.2352% | 98 |
| Credit loss provision to net charge-offs | 91.9283% | 2,694 |
| Earnings coverage of net charge-offs (x) | 1.7422% | 3,597 |
| Efficiency ratio | 67.1736% | 2,682 |
| Assets per employee ($millions) | 4.8878% | 2,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3594% | 1,797 |
| Loan loss allowance to noncurrent loans | 27.9312% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 3.7362% | 133 |
| Noncurrent loans to loans | 4.8671% | 116 |
| Net loans and leases to total assets | 61.2077% | 3,648 |
| Net loans and leases to deposits | 76.1722% | 3,337 |
| Net loans and leases to core deposits | 88.0567% | 2,751 |
| Total domestic deposits to total assets | 80.3544% | 4,027 |
| Equity capital to assets | 10.9063% | 2,787 |
| Core capital (leverage) ratio | 11.7811% | 1,892 |
| Tier 1 risk-based capital ratio | 17.8527% | 1,796 |
| Total risk-based capital ratio | 19.1034% | 1,757 |
| Memoranda: | ||
| Average total assets | $59,295,400 | 4,772 |
| Average earning assets | $53,657,800 | 4,791 |
| Average equity | $6,751,800 | 4,785 |
| Average total loans | $36,107,000 | 4,657 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4278% | 2,536 |
| Cost of funding earning assets | 0.6029% | 2,454 |
| Net interest margin | 3.8249% | 2,548 |
| Noninterest income to average assets | 0.5792% | 2,423 |
| Noninterest expense to average assets | 2.6353% | 3,183 |
| Loan and lease loss provision to assets | 0.9044% | 97 |
| Net operating income to assets | 0.2892% | 5,103 |
| Return on assets (ROA) | 0.3091% | 5,081 |
| Pretax return on assets | 0.5220% | 4,871 |
| Return on Equity (ROE) | 2.6837% | 5,049 |
| Retained earnings to average equity (ytd only) | 2.6837% | 4,343 |
| Net charge-offs to loans | 1.7273% | 61 |
| Credit loss provision to net charge-offs | 86.4333% | 2,457 |
| Earnings coverage of net charge-offs (x) | 1.3392% | 3,358 |
| Efficiency ratio | 65.2864% | 2,989 |
| Assets per employee ($millions) | 5.1747% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4367% | 1,567 |
| Loan loss allowance to noncurrent loans | 27.5527% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 4.2655% | 110 |
| Noncurrent loans to loans | 5.2145% | 117 |
| Net loans and leases to total assets | 61.4648% | 3,701 |
| Net loans and leases to deposits | 73.1992% | 3,664 |
| Net loans and leases to core deposits | 78.3461% | 3,631 |
| Total domestic deposits to total assets | 83.9693% | 2,953 |
| Equity capital to assets | 11.5878% | 2,191 |
| Core capital (leverage) ratio | 10.8282% | 2,764 |
| Tier 1 risk-based capital ratio | 16.9303% | 2,128 |
| Total risk-based capital ratio | 18.1821% | 2,085 |
| Memoranda: | ||
| Average total assets | $58,234,000 | 4,846 |
| Average earning assets | $52,636,000 | 4,860 |
| Average equity | $6,707,250 | 4,842 |
| Average total loans | $35,276,750 | 4,729 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3899% | 2,455 |
| Cost of funding earning assets | 0.5888% | 2,302 |
| Net interest margin | 3.8011% | 2,563 |
| Noninterest income to average assets | 0.5420% | 2,616 |
| Noninterest expense to average assets | 2.7884% | 2,696 |
| Loan and lease loss provision to assets | 0.1023% | 1,896 |
| Net operating income to assets | 0.8896% | 3,498 |
| Return on assets (ROA) | 0.9204% | 3,373 |
| Pretax return on assets | 1.1215% | 3,227 |
| Return on Equity (ROE) | 8.0067% | 3,505 |
| Retained earnings to average equity (ytd only) | 8.0067% | 1,632 |
| Net charge-offs to loans | -0.0909% | 5,129 |
| Credit loss provision to net charge-offs | -187.5000% | 4,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1544% | 2,286 |
| Assets per employee ($millions) | 4.8518% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7360% | 844 |
| Loan loss allowance to noncurrent loans | 28.0145% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 4.9947% | 89 |
| Noncurrent loans to loans | 6.1966% | 84 |
| Net loans and leases to total assets | 60.0838% | 3,799 |
| Net loans and leases to deposits | 71.5759% | 3,744 |
| Net loans and leases to core deposits | 76.4885% | 3,706 |
| Total domestic deposits to total assets | 83.9442% | 3,087 |
| Equity capital to assets | 11.7189% | 2,045 |
| Core capital (leverage) ratio | 11.1877% | 2,359 |
| Tier 1 risk-based capital ratio | 17.1186% | 2,061 |
| Total risk-based capital ratio | 18.3740% | 2,006 |
| Memoranda: | ||
| Average total assets | $58,671,330 | 4,896 |
| Average earning assets | $52,985,000 | 4,912 |
| Average equity | $6,744,330 | 4,883 |
| Average total loans | $35,203,330 | 4,775 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2846% | 2,581 |
| Cost of funding earning assets | 0.5743% | 2,220 |
| Net interest margin | 3.7103% | 2,760 |
| Noninterest income to average assets | 0.6656% | 1,976 |
| Noninterest expense to average assets | 2.8389% | 2,573 |
| Loan and lease loss provision to assets | 0.1019% | 1,825 |
| Net operating income to assets | 0.8625% | 3,442 |
| Return on assets (ROA) | 0.8625% | 3,458 |
| Pretax return on assets | 1.0595% | 3,317 |
| Return on Equity (ROE) | 7.5764% | 3,544 |
| Retained earnings to average equity (ytd only) | 7.5764% | 1,998 |
| Net charge-offs to loans | -0.0343% | 4,801 |
| Credit loss provision to net charge-offs | -500.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9677% | 2,348 |
| Assets per employee ($millions) | 4.8656% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6874% | 971 |
| Loan loss allowance to noncurrent loans | 23.4592% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 5.6280% | 81 |
| Noncurrent loans to loans | 7.1929% | 65 |
| Net loans and leases to total assets | 58.8744% | 3,863 |
| Net loans and leases to deposits | 68.5020% | 3,912 |
| Net loans and leases to core deposits | 73.8580% | 3,832 |
| Total domestic deposits to total assets | 85.9455% | 2,565 |
| Equity capital to assets | 11.4923% | 2,138 |
| Core capital (leverage) ratio | 11.8653% | 1,741 |
| Tier 1 risk-based capital ratio | 18.1907% | 1,773 |
| Total risk-based capital ratio | 19.4444% | 1,733 |
| Memoranda: | ||
| Average total assets | $58,896,000 | 4,948 |
| Average earning assets | $52,933,500 | 4,976 |
| Average equity | $6,705,000 | 4,942 |
| Average total loans | $35,005,000 | 4,830 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3138% | 2,278 |
| Cost of funding earning assets | 0.6373% | 1,371 |
| Net interest margin | 3.6765% | 2,891 |
| Noninterest income to average assets | 0.4726% | 3,172 |
| Noninterest expense to average assets | 2.8824% | 2,515 |
| Loan and lease loss provision to assets | 0.1046% | 2,142 |
| Net operating income to assets | 0.5590% | 4,191 |
| Return on assets (ROA) | 0.5720% | 4,172 |
| Pretax return on assets | 0.7725% | 4,327 |
| Return on Equity (ROE) | 4.9753% | 4,169 |
| Retained earnings to average equity (ytd only) | 4.9753% | 2,143 |
| Net charge-offs to loans | -0.0581% | 5,228 |
| Credit loss provision to net charge-offs | -285.7143% | 4,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0270% | 1,480 |
| Assets per employee ($millions) | 4.2432% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6350% | 1,063 |
| Loan loss allowance to noncurrent loans | 22.8834% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 5.6578% | 74 |
| Noncurrent loans to loans | 7.1451% | 58 |
| Net loans and leases to total assets | 58.0288% | 4,002 |
| Net loans and leases to deposits | 69.8224% | 3,895 |
| Net loans and leases to core deposits | 75.3733% | 3,791 |
| Total domestic deposits to total assets | 83.1092% | 3,522 |
| Equity capital to assets | 11.2785% | 2,382 |
| Core capital (leverage) ratio | 11.8119% | 1,715 |
| Tier 1 risk-based capital ratio | 18.5073% | 1,651 |
| Total risk-based capital ratio | 19.7604% | 1,602 |
| Memoranda: | ||
| Average total assets | $57,347,600 | 5,021 |
| Average earning assets | $50,999,000 | 5,042 |
| Average equity | $6,592,600 | 5,007 |
| Average total loans | $36,170,200 | 4,838 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3199% | 2,210 |
| Cost of funding earning assets | 0.6454% | 1,271 |
| Net interest margin | 3.6745% | 2,841 |
| Noninterest income to average assets | 0.4340% | 3,443 |
| Noninterest expense to average assets | 2.8738% | 2,496 |
| Loan and lease loss provision to assets | 0.1056% | 2,001 |
| Net operating income to assets | 0.6749% | 4,101 |
| Return on assets (ROA) | 0.6968% | 4,066 |
| Pretax return on assets | 0.7507% | 4,482 |
| Return on Equity (ROE) | 6.0311% | 4,108 |
| Retained earnings to average equity (ytd only) | 6.0311% | 2,211 |
| Net charge-offs to loans | -0.0622% | 5,232 |
| Credit loss provision to net charge-offs | -264.7059% | 4,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5316% | 1,393 |
| Assets per employee ($millions) | 4.3165% | 3,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5274% | 1,444 |
| Loan loss allowance to noncurrent loans | 25.5889% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 5.4175% | 87 |
| Noncurrent loans to loans | 5.9691% | 104 |
| Net loans and leases to total assets | 63.6490% | 3,461 |
| Net loans and leases to deposits | 76.5321% | 3,320 |
| Net loans and leases to core deposits | 82.9987% | 3,213 |
| Total domestic deposits to total assets | 83.1664% | 3,403 |
| Equity capital to assets | 11.9863% | 1,972 |
| Core capital (leverage) ratio | 11.8021% | 1,820 |
| Tier 1 risk-based capital ratio | 17.1849% | 2,104 |
| Total risk-based capital ratio | 18.4354% | 2,054 |
| Memoranda: | ||
| Average total assets | $56,833,250 | 5,085 |
| Average earning assets | $50,617,250 | 5,109 |
| Average equity | $6,565,750 | 5,063 |
| Average total loans | $36,451,500 | 4,881 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4105% | 1,780 |
| Cost of funding earning assets | 0.6436% | 1,183 |
| Net interest margin | 3.7669% | 2,421 |
| Noninterest income to average assets | 0.5817% | 2,551 |
| Noninterest expense to average assets | 2.8700% | 2,515 |
| Loan and lease loss provision to assets | 0.1051% | 1,926 |
| Net operating income to assets | 0.7198% | 3,753 |
| Return on assets (ROA) | 0.7464% | 3,709 |
| Pretax return on assets | 0.9847% | 3,623 |
| Return on Equity (ROE) | 6.5414% | 3,801 |
| Retained earnings to average equity (ytd only) | 6.5414% | 1,821 |
| Net charge-offs to loans | -0.0219% | 4,812 |
| Credit loss provision to net charge-offs | -750.0000% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1250% | 2,166 |
| Assets per employee ($millions) | 4.3613% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 1,767 |
| Loan loss allowance to noncurrent loans | 62.4703% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 3.1730% | 278 |
| Noncurrent loans to loans | 2.3148% | 683 |
| Net loans and leases to total assets | 63.2273% | 3,489 |
| Net loans and leases to deposits | 75.4949% | 3,407 |
| Net loans and leases to core deposits | 82.1749% | 3,236 |
| Total domestic deposits to total assets | 83.7505% | 3,306 |
| Equity capital to assets | 11.7343% | 2,124 |
| Core capital (leverage) ratio | 11.4515% | 2,003 |
| Tier 1 risk-based capital ratio | 16.5703% | 2,291 |
| Total risk-based capital ratio | 17.8218% | 2,244 |
| Memoranda: | ||
| Average total assets | $57,073,000 | 5,117 |
| Average earning assets | $50,652,330 | 5,147 |
| Average equity | $6,512,330 | 5,101 |
| Average total loans | $36,512,000 | 4,915 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3652% | 1,766 |
| Cost of funding earning assets | 0.6236% | 1,221 |
| Net interest margin | 3.7416% | 2,344 |
| Noninterest income to average assets | 0.4960% | 3,008 |
| Noninterest expense to average assets | 2.7453% | 2,975 |
| Loan and lease loss provision to assets | 0.1048% | 1,824 |
| Net operating income to assets | 0.5588% | 4,333 |
| Return on assets (ROA) | 0.5588% | 4,381 |
| Pretax return on assets | 0.9570% | 3,554 |
| Return on Equity (ROE) | 4.9674% | 4,408 |
| Retained earnings to average equity (ytd only) | 4.9674% | 2,916 |
| Net charge-offs to loans | 0.1968% | 876 |
| Credit loss provision to net charge-offs | 83.3333% | 1,732 |
| Earnings coverage of net charge-offs (x) | 8.4444% | 2,063 |
| Efficiency ratio | 72.1101% | 2,554 |
| Assets per employee ($millions) | 4.4073% | 3,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 2,269 |
| Loan loss allowance to noncurrent loans | 58.7035% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 3.5605% | 235 |
| Noncurrent loans to loans | 2.3144% | 705 |
| Net loans and leases to total assets | 61.9653% | 3,541 |
| Net loans and leases to deposits | 74.9514% | 3,311 |
| Net loans and leases to core deposits | 81.5955% | 3,131 |
| Total domestic deposits to total assets | 82.6739% | 3,956 |
| Equity capital to assets | 11.3448% | 2,310 |
| Core capital (leverage) ratio | 11.2680% | 2,127 |
| Tier 1 risk-based capital ratio | 16.0782% | 2,514 |
| Total risk-based capital ratio | 17.2958% | 2,481 |
| Memoranda: | ||
| Average total assets | $57,261,000 | 5,168 |
| Average earning assets | $50,673,500 | 5,198 |
| Average equity | $6,442,000 | 5,161 |
| Average total loans | $36,581,000 | 4,956 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5856% | 1,315 |
| Cost of funding earning assets | 0.7044% | 796 |
| Net interest margin | 3.8812% | 2,026 |
| Noninterest income to average assets | 1.0949% | 949 |
| Noninterest expense to average assets | 2.6831% | 3,397 |
| Loan and lease loss provision to assets | 0.8046% | 142 |
| Net operating income to assets | 0.6736% | 3,897 |
| Return on assets (ROA) | 0.6664% | 4,036 |
| Pretax return on assets | 0.9602% | 3,619 |
| Return on Equity (ROE) | 6.0700% | 3,949 |
| Retained earnings to average equity (ytd only) | 6.0700% | 1,671 |
| Net charge-offs to loans | 0.8927% | 212 |
| Credit loss provision to net charge-offs | 136.9048% | 1,987 |
| Earnings coverage of net charge-offs (x) | 3.0208% | 3,733 |
| Efficiency ratio | 60.1805% | 4,553 |
| Assets per employee ($millions) | 4.7689% | 2,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3210% | 2,424 |
| Loan loss allowance to noncurrent loans | 60.6922% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 3.5962% | 238 |
| Noncurrent loans to loans | 2.1765% | 784 |
| Net loans and leases to total assets | 64.0939% | 3,349 |
| Net loans and leases to deposits | 76.3224% | 3,285 |
| Net loans and leases to core deposits | 82.0504% | 3,206 |
| Total domestic deposits to total assets | 83.9778% | 3,425 |
| Equity capital to assets | 11.1556% | 2,473 |
| Core capital (leverage) ratio | 11.2665% | 2,111 |
| Tier 1 risk-based capital ratio | 14.7917% | 3,052 |
| Total risk-based capital ratio | 15.9285% | 3,056 |
| Memoranda: | ||
| Average total assets | $57,173,000 | 5,209 |
| Average earning assets | $49,546,000 | 5,256 |
| Average equity | $6,276,800 | 5,233 |
| Average total loans | $37,640,400 | 4,960 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5807% | 1,331 |
| Cost of funding earning assets | 0.7211% | 737 |
| Net interest margin | 3.8596% | 2,119 |
| Noninterest income to average assets | 0.5225% | 3,098 |
| Noninterest expense to average assets | 2.8808% | 2,699 |
| Loan and lease loss provision to assets | 0.1050% | 2,174 |
| Net operating income to assets | 0.5880% | 4,341 |
| Return on assets (ROA) | 0.5785% | 4,491 |
| Pretax return on assets | 0.8561% | 4,138 |
| Return on Equity (ROE) | 5.2906% | 4,392 |
| Retained earnings to average equity (ytd only) | 5.2906% | 2,639 |
| Net charge-offs to loans | -0.1907% | 5,750 |
| Credit loss provision to net charge-offs | -83.3333% | 4,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7126% | 2,157 |
| Assets per employee ($millions) | 4.6907% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 3,119 |
| Loan loss allowance to noncurrent loans | 31.7872% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 5.3351% | 127 |
| Noncurrent loans to loans | 3.8376% | 305 |
| Net loans and leases to total assets | 67.0392% | 2,951 |
| Net loans and leases to deposits | 81.5663% | 2,789 |
| Net loans and leases to core deposits | 87.9276% | 2,771 |
| Total domestic deposits to total assets | 82.1898% | 3,883 |
| Equity capital to assets | 11.3825% | 2,619 |
| Core capital (leverage) ratio | 10.7514% | 2,728 |
| Tier 1 risk-based capital ratio | 13.6408% | 3,773 |
| Total risk-based capital ratio | 14.6675% | 3,818 |
| Memoranda: | ||
| Average total assets | $57,159,500 | 5,250 |
| Average earning assets | $49,365,500 | 5,312 |
| Average equity | $6,250,000 | 5,293 |
| Average total loans | $37,758,000 | 5,000 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5402% | 1,407 |
| Cost of funding earning assets | 0.7431% | 655 |
| Net interest margin | 3.7971% | 2,331 |
| Noninterest income to average assets | 0.5988% | 2,626 |
| Noninterest expense to average assets | 2.8581% | 2,813 |
| Loan and lease loss provision to assets | 0.1044% | 2,108 |
| Net operating income to assets | 0.6099% | 4,226 |
| Return on assets (ROA) | 0.5953% | 4,416 |
| Pretax return on assets | 0.8529% | 4,109 |
| Return on Equity (ROE) | 5.5182% | 4,281 |
| Retained earnings to average equity (ytd only) | 5.5182% | 2,412 |
| Net charge-offs to loans | -0.5743% | 5,955 |
| Credit loss provision to net charge-offs | -27.7778% | 4,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5009% | 2,293 |
| Assets per employee ($millions) | 4.8148% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 2,701 |
| Loan loss allowance to noncurrent loans | 40.8907% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 5.1092% | 145 |
| Noncurrent loans to loans | 3.2170% | 440 |
| Net loans and leases to total assets | 65.5699% | 3,144 |
| Net loans and leases to deposits | 78.1730% | 3,137 |
| Net loans and leases to core deposits | 82.8667% | 3,186 |
| Total domestic deposits to total assets | 83.8779% | 3,317 |
| Equity capital to assets | 11.0007% | 3,059 |
| Core capital (leverage) ratio | 10.6259% | 2,822 |
| Tier 1 risk-based capital ratio | 13.8053% | 3,721 |
| Total risk-based capital ratio | 14.9428% | 3,702 |
| Memoranda: | ||
| Average total assets | $57,450,000 | 5,304 |
| Average earning assets | $48,984,670 | 5,375 |
| Average equity | $6,197,670 | 5,352 |
| Average total loans | $37,610,330 | 5,056 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5989% | 1,267 |
| Cost of funding earning assets | 0.7623% | 598 |
| Net interest margin | 3.8366% | 2,150 |
| Noninterest income to average assets | 0.3282% | 4,383 |
| Noninterest expense to average assets | 3.1421% | 1,979 |
| Loan and lease loss provision to assets | 0.1047% | 1,955 |
| Net operating income to assets | 0.0966% | 5,687 |
| Return on assets (ROA) | 0.0698% | 5,761 |
| Pretax return on assets | 0.2374% | 5,593 |
| Return on Equity (ROE) | 0.6538% | 5,751 |
| Retained earnings to average equity (ytd only) | 0.6538% | 4,952 |
| Net charge-offs to loans | -0.5266% | 5,998 |
| Credit loss provision to net charge-offs | -30.6122% | 4,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1089% | 734 |
| Assets per employee ($millions) | 5.2377% | 2,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 3,876 |
| Loan loss allowance to noncurrent loans | 37.8947% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 5.0022% | 162 |
| Noncurrent loans to loans | 2.9866% | 553 |
| Net loans and leases to total assets | 65.5020% | 3,024 |
| Net loans and leases to deposits | 78.4415% | 2,960 |
| Net loans and leases to core deposits | 82.2738% | 3,108 |
| Total domestic deposits to total assets | 83.5043% | 3,709 |
| Equity capital to assets | 10.6726% | 3,289 |
| Core capital (leverage) ratio | 10.4996% | 2,964 |
| Tier 1 risk-based capital ratio | 12.6669% | 4,471 |
| Total risk-based capital ratio | 13.5912% | 4,595 |
| Memoranda: | ||
| Average total assets | $57,286,000 | 5,357 |
| Average earning assets | $47,750,500 | 5,452 |
| Average equity | $6,118,500 | 5,399 |
| Average total loans | $37,220,500 | 5,104 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8783% | 809 |
| Cost of funding earning assets | 0.8295% | 424 |
| Net interest margin | 4.0488% | 1,563 |
| Noninterest income to average assets | 0.3571% | 4,349 |
| Noninterest expense to average assets | 3.0407% | 2,411 |
| Loan and lease loss provision to assets | 0.1786% | 1,271 |
| Net operating income to assets | 0.3522% | 5,207 |
| Return on assets (ROA) | 0.4236% | 5,057 |
| Pretax return on assets | 0.6267% | 4,760 |
| Return on Equity (ROE) | 4.0674% | 4,914 |
| Retained earnings to average equity (ytd only) | 4.0674% | 3,113 |
| Net charge-offs to loans | 0.2644% | 1,138 |
| Credit loss provision to net charge-offs | 107.3684% | 2,343 |
| Earnings coverage of net charge-offs (x) | 4.2105% | 3,595 |
| Efficiency ratio | 81.2822% | 1,500 |
| Assets per employee ($millions) | 4.3784% | 3,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0119% | 4,536 |
| Loan loss allowance to noncurrent loans | 26.2330% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 5.6115% | 149 |
| Noncurrent loans to loans | 3.8572% | 327 |
| Net loans and leases to total assets | 63.0774% | 3,396 |
| Net loans and leases to deposits | 74.7232% | 3,407 |
| Net loans and leases to core deposits | 79.2403% | 3,421 |
| Total domestic deposits to total assets | 84.4147% | 3,324 |
| Equity capital to assets | 10.6291% | 3,210 |
| Core capital (leverage) ratio | 10.6122% | 2,813 |
| Tier 1 risk-based capital ratio | 13.7954% | 3,828 |
| Total risk-based capital ratio | 14.6529% | 3,998 |
| Memoranda: | ||
| Average total assets | $57,124,400 | 5,375 |
| Average earning assets | $47,742,000 | 5,485 |
| Average equity | $5,949,800 | 5,448 |
| Average total loans | $35,930,600 | 5,155 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8866% | 791 |
| Cost of funding earning assets | 0.8288% | 427 |
| Net interest margin | 4.0578% | 1,537 |
| Noninterest income to average assets | 0.4944% | 3,407 |
| Noninterest expense to average assets | 3.1131% | 2,188 |
| Loan and lease loss provision to assets | 0.2029% | 987 |
| Net operating income to assets | 0.3661% | 5,275 |
| Return on assets (ROA) | 0.4407% | 5,096 |
| Pretax return on assets | 0.6972% | 4,687 |
| Return on Equity (ROE) | 4.2532% | 4,934 |
| Retained earnings to average equity (ytd only) | 4.2532% | 3,437 |
| Net charge-offs to loans | 0.2418% | 1,078 |
| Credit loss provision to net charge-offs | 133.8462% | 1,837 |
| Earnings coverage of net charge-offs (x) | 5.1695% | 3,243 |
| Efficiency ratio | 79.8923% | 1,675 |
| Assets per employee ($millions) | 3.9553% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 4,443 |
| Loan loss allowance to noncurrent loans | 55.2822% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 5.5297% | 158 |
| Noncurrent loans to loans | 1.9089% | 1,212 |
| Net loans and leases to total assets | 64.6802% | 3,203 |
| Net loans and leases to deposits | 76.1702% | 3,280 |
| Net loans and leases to core deposits | 77.4166% | 3,657 |
| Total domestic deposits to total assets | 84.9153% | 3,048 |
| Equity capital to assets | 10.8426% | 3,200 |
| Core capital (leverage) ratio | 10.2054% | 3,366 |
| Tier 1 risk-based capital ratio | 13.1332% | 4,358 |
| Total risk-based capital ratio | 14.0221% | 4,474 |
| Memoranda: | ||
| Average total assets | $57,175,750 | 5,449 |
| Average earning assets | $47,939,750 | 5,551 |
| Average equity | $5,924,750 | 5,516 |
| Average total loans | $35,845,750 | 5,220 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9127% | 713 |
| Cost of funding earning assets | 0.8606% | 356 |
| Net interest margin | 4.0522% | 1,490 |
| Noninterest income to average assets | 0.5054% | 3,337 |
| Noninterest expense to average assets | 2.9528% | 2,709 |
| Loan and lease loss provision to assets | 0.1904% | 1,051 |
| Net operating income to assets | 0.5331% | 4,641 |
| Return on assets (ROA) | 0.5331% | 4,747 |
| Pretax return on assets | 0.7200% | 4,599 |
| Return on Equity (ROE) | 5.2218% | 4,516 |
| Retained earnings to average equity (ytd only) | 5.2218% | 2,720 |
| Net charge-offs to loans | 0.3135% | 844 |
| Credit loss provision to net charge-offs | 98.2143% | 2,097 |
| Earnings coverage of net charge-offs (x) | 4.6964% | 3,011 |
| Efficiency ratio | 76.4337% | 2,290 |
| Assets per employee ($millions) | 4.0163% | 3,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 4,845 |
| Loan loss allowance to noncurrent loans | 34.0284% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 6.2122% | 148 |
| Noncurrent loans to loans | 2.9555% | 677 |
| Net loans and leases to total assets | 62.8459% | 3,432 |
| Net loans and leases to deposits | 74.0569% | 3,483 |
| Net loans and leases to core deposits | 75.2508% | 3,828 |
| Total domestic deposits to total assets | 84.8616% | 3,185 |
| Equity capital to assets | 10.4877% | 3,450 |
| Core capital (leverage) ratio | 9.9220% | 3,715 |
| Tier 1 risk-based capital ratio | 13.5711% | 4,179 |
| Total risk-based capital ratio | 14.5237% | 4,295 |
| Memoranda: | ||
| Average total assets | $57,776,330 | 5,493 |
| Average earning assets | $47,875,670 | 5,610 |
| Average equity | $5,898,330 | 5,571 |
| Average total loans | $35,728,330 | 5,270 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7386% | 967 |
| Cost of funding earning assets | 0.9577% | 217 |
| Net interest margin | 3.7809% | 2,296 |
| Noninterest income to average assets | 0.7310% | 2,014 |
| Noninterest expense to average assets | 3.1221% | 2,199 |
| Loan and lease loss provision to assets | 0.1025% | 1,985 |
| Net operating income to assets | 0.3074% | 5,388 |
| Return on assets (ROA) | 0.3074% | 5,492 |
| Pretax return on assets | 0.6080% | 4,896 |
| Return on Equity (ROE) | 3.0514% | 5,354 |
| Retained earnings to average equity (ytd only) | 3.0514% | 4,149 |
| Net charge-offs to loans | -0.0783% | 5,738 |
| Credit loss provision to net charge-offs | -214.2857% | 4,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4617% | 1,695 |
| Assets per employee ($millions) | 5.1343% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 4,595 |
| Loan loss allowance to noncurrent loans | 33.2463% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 5.8690% | 178 |
| Noncurrent loans to loans | 3.2628% | 626 |
| Net loans and leases to total assets | 56.5361% | 4,146 |
| Net loans and leases to deposits | 65.8046% | 4,172 |
| Net loans and leases to core deposits | 66.7593% | 4,446 |
| Total domestic deposits to total assets | 85.9151% | 2,989 |
| Equity capital to assets | 9.6394% | 4,586 |
| Core capital (leverage) ratio | 9.2746% | 4,619 |
| Tier 1 risk-based capital ratio | 11.1035% | 5,759 |
| Total risk-based capital ratio | 11.9693% | 5,854 |
| Memoranda: | ||
| Average total assets | $58,550,500 | 5,527 |
| Average earning assets | $48,031,500 | 5,658 |
| Average equity | $5,899,000 | 5,624 |
| Average total loans | $35,744,500 | 5,310 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9291% | 875 |
| Cost of funding earning assets | 0.8960% | 397 |
| Net interest margin | 4.0331% | 1,794 |
| Noninterest income to average assets | 0.7528% | 2,066 |
| Noninterest expense to average assets | 3.1069% | 2,490 |
| Loan and lease loss provision to assets | 0.3087% | 660 |
| Net operating income to assets | 0.5149% | 4,754 |
| Return on assets (ROA) | 0.6174% | 4,391 |
| Pretax return on assets | 0.9297% | 3,783 |
| Return on Equity (ROE) | 6.0456% | 4,119 |
| Retained earnings to average equity (ytd only) | 6.0456% | 1,897 |
| Net charge-offs to loans | 0.3715% | 1,165 |
| Credit loss provision to net charge-offs | 132.5581% | 1,794 |
| Earnings coverage of net charge-offs (x) | 4.6512% | 3,596 |
| Efficiency ratio | 74.1491% | 2,808 |
| Assets per employee ($millions) | 3.9635% | 4,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9924% | 5,104 |
| Loan loss allowance to noncurrent loans | 32.9973% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 6.7347% | 163 |
| Noncurrent loans to loans | 3.0077% | 743 |
| Net loans and leases to total assets | 64.7227% | 3,102 |
| Net loans and leases to deposits | 78.7501% | 2,876 |
| Net loans and leases to core deposits | 80.0794% | 3,293 |
| Total domestic deposits to total assets | 82.1875% | 4,355 |
| Equity capital to assets | 10.5588% | 3,407 |
| Core capital (leverage) ratio | 10.2678% | 3,218 |
| Tier 1 risk-based capital ratio | 13.2866% | 4,547 |
| Total risk-based capital ratio | 14.1998% | 4,671 |
| Memoranda: | ||
| Average total assets | $55,392,400 | 5,661 |
| Average earning assets | $47,209,200 | 5,750 |
| Average equity | $5,657,000 | 5,701 |
| Average total loans | $34,723,400 | 5,374 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9746% | 806 |
| Cost of funding earning assets | 0.9086% | 400 |
| Net interest margin | 4.0660% | 1,674 |
| Noninterest income to average assets | 0.7320% | 2,173 |
| Noninterest expense to average assets | 3.0534% | 2,623 |
| Loan and lease loss provision to assets | 0.3155% | 596 |
| Net operating income to assets | 0.6232% | 4,335 |
| Return on assets (ROA) | 0.7826% | 3,610 |
| Pretax return on assets | 1.0186% | 3,526 |
| Return on Equity (ROE) | 7.7289% | 3,348 |
| Retained earnings to average equity (ytd only) | 7.7289% | 1,477 |
| Net charge-offs to loans | 0.2718% | 1,446 |
| Credit loss provision to net charge-offs | 187.1429% | 1,342 |
| Earnings coverage of net charge-offs (x) | 6.6857% | 3,044 |
| Efficiency ratio | 73.0415% | 2,985 |
| Assets per employee ($millions) | 4.2442% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 4,925 |
| Loan loss allowance to noncurrent loans | 26.3561% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 7.2025% | 158 |
| Noncurrent loans to loans | 4.0374% | 520 |
| Net loans and leases to total assets | 63.8659% | 3,191 |
| Net loans and leases to deposits | 75.1616% | 3,291 |
| Net loans and leases to core deposits | 76.3951% | 3,700 |
| Total domestic deposits to total assets | 84.9715% | 3,346 |
| Equity capital to assets | 10.4377% | 3,637 |
| Core capital (leverage) ratio | 10.4240% | 3,131 |
| Tier 1 risk-based capital ratio | 13.2939% | 4,676 |
| Total risk-based capital ratio | 14.2542% | 4,788 |
| Memoranda: | ||
| Average total assets | $55,368,250 | 5,726 |
| Average earning assets | $46,957,000 | 5,813 |
| Average equity | $5,606,500 | 5,772 |
| Average total loans | $34,335,750 | 5,438 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0369% | 700 |
| Cost of funding earning assets | 0.9170% | 392 |
| Net interest margin | 4.1200% | 1,451 |
| Noninterest income to average assets | 0.4618% | 3,774 |
| Noninterest expense to average assets | 2.9008% | 3,162 |
| Loan and lease loss provision to assets | 0.2886% | 692 |
| Net operating income to assets | 0.7577% | 3,530 |
| Return on assets (ROA) | 0.7577% | 3,632 |
| Pretax return on assets | 0.7577% | 4,431 |
| Return on Equity (ROE) | 7.5598% | 3,342 |
| Retained earnings to average equity (ytd only) | 7.5598% | 1,498 |
| Net charge-offs to loans | 0.3362% | 1,209 |
| Credit loss provision to net charge-offs | 140.3509% | 1,521 |
| Earnings coverage of net charge-offs (x) | 5.0877% | 2,991 |
| Efficiency ratio | 73.4918% | 3,064 |
| Assets per employee ($millions) | 4.2098% | 3,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0276% | 5,224 |
| Loan loss allowance to noncurrent loans | 27.6561% | 5,838 |
| Noncurrent assets plus other real estate owned to assets | 5.9074% | 259 |
| Noncurrent loans to loans | 3.7156% | 679 |
| Net loans and leases to total assets | 60.0113% | 3,711 |
| Net loans and leases to deposits | 70.6286% | 3,736 |
| Net loans and leases to core deposits | 71.7974% | 4,070 |
| Total domestic deposits to total assets | 84.9675% | 3,526 |
| Equity capital to assets | 10.4974% | 3,443 |
| Core capital (leverage) ratio | 9.9289% | 3,704 |
| Tier 1 risk-based capital ratio | 13.8646% | 4,338 |
| Total risk-based capital ratio | 14.7929% | 4,494 |
| Memoranda: | ||
| Average total assets | $55,432,670 | 5,779 |
| Average earning assets | $46,893,670 | 5,865 |
| Average equity | $5,555,670 | 5,821 |
| Average total loans | $33,908,670 | 5,496 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0038% | 709 |
| Cost of funding earning assets | 0.9229% | 405 |
| Net interest margin | 4.0809% | 1,521 |
| Noninterest income to average assets | 0.5163% | 3,284 |
| Noninterest expense to average assets | 2.9470% | 3,059 |
| Loan and lease loss provision to assets | 0.2510% | 859 |
| Net operating income to assets | 0.5091% | 4,644 |
| Return on assets (ROA) | 0.5091% | 4,721 |
| Pretax return on assets | 0.7744% | 4,206 |
| Return on Equity (ROE) | 5.2005% | 4,440 |
| Retained earnings to average equity (ytd only) | 5.2005% | 2,994 |
| Net charge-offs to loans | 0.2334% | 1,391 |
| Credit loss provision to net charge-offs | 175.0000% | 1,139 |
| Earnings coverage of net charge-offs (x) | 7.1500% | 2,152 |
| Efficiency ratio | 74.1877% | 3,103 |
| Assets per employee ($millions) | 4.0393% | 3,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9802% | 5,597 |
| Loan loss allowance to noncurrent loans | 57.9130% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 4.5146% | 483 |
| Noncurrent loans to loans | 1.6926% | 2,296 |
| Net loans and leases to total assets | 59.4836% | 3,640 |
| Net loans and leases to deposits | 69.1941% | 3,709 |
| Net loans and leases to core deposits | 70.2886% | 4,054 |
| Total domestic deposits to total assets | 85.9664% | 3,384 |
| Equity capital to assets | 9.7896% | 4,120 |
| Core capital (leverage) ratio | 9.7861% | 3,884 |
| Tier 1 risk-based capital ratio | 13.1593% | 4,917 |
| Total risk-based capital ratio | 14.0317% | 5,072 |
| Memoranda: | ||
| Average total assets | $55,785,000 | 5,821 |
| Average earning assets | $47,244,500 | 5,911 |
| Average equity | $5,461,000 | 5,878 |
| Average total loans | $34,271,000 | 5,530 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6355% | 296 |
| Cost of funding earning assets | 1.0992% | 286 |
| Net interest margin | 4.5363% | 686 |
| Noninterest income to average assets | 0.7833% | 2,152 |
| Noninterest expense to average assets | 3.2736% | 2,209 |
| Loan and lease loss provision to assets | 0.7036% | 325 |
| Net operating income to assets | 0.6360% | 4,090 |
| Return on assets (ROA) | 0.6360% | 4,196 |
| Pretax return on assets | 0.7469% | 4,355 |
| Return on Equity (ROE) | 6.7727% | 3,687 |
| Retained earnings to average equity (ytd only) | 6.7727% | 1,541 |
| Net charge-offs to loans | 1.4702% | 326 |
| Credit loss provision to net charge-offs | 75.6052% | 3,153 |
| Earnings coverage of net charge-offs (x) | 1.5587% | 4,535 |
| Efficiency ratio | 69.2957% | 3,958 |
| Assets per employee ($millions) | 4.2323% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9198% | 5,860 |
| Loan loss allowance to noncurrent loans | 57.4007% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 4.6656% | 522 |
| Noncurrent loans to loans | 1.6025% | 2,504 |
| Net loans and leases to total assets | 62.2555% | 3,323 |
| Net loans and leases to deposits | 74.8111% | 3,131 |
| Net loans and leases to core deposits | 76.9229% | 3,503 |
| Total domestic deposits to total assets | 83.2170% | 4,466 |
| Equity capital to assets | 9.7892% | 4,054 |
| Core capital (leverage) ratio | 9.8511% | 3,772 |
| Tier 1 risk-based capital ratio | 12.6430% | 5,204 |
| Total risk-based capital ratio | 13.4219% | 5,448 |
| Memoranda: | ||
| Average total assets | $57,704,800 | 5,816 |
| Average earning assets | $50,128,600 | 5,884 |
| Average equity | $5,418,800 | 5,954 |
| Average total loans | $36,526,400 | 5,475 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7616% | 251 |
| Cost of funding earning assets | 1.1450% | 247 |
| Net interest margin | 4.6166% | 601 |
| Noninterest income to average assets | 0.8771% | 1,835 |
| Noninterest expense to average assets | 3.3940% | 1,839 |
| Loan and lease loss provision to assets | 0.3472% | 931 |
| Net operating income to assets | 0.9273% | 2,700 |
| Return on assets (ROA) | 0.9273% | 2,813 |
| Pretax return on assets | 1.1603% | 2,850 |
| Return on Equity (ROE) | 9.9746% | 2,194 |
| Retained earnings to average equity (ytd only) | 9.9746% | 795 |
| Net charge-offs to loans | 0.8465% | 693 |
| Credit loss provision to net charge-offs | 64.6809% | 3,188 |
| Earnings coverage of net charge-offs (x) | 2.8085% | 3,901 |
| Efficiency ratio | 69.2451% | 3,882 |
| Assets per employee ($millions) | 4.6080% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0346% | 5,585 |
| Loan loss allowance to noncurrent loans | 44.0433% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 4.8322% | 596 |
| Noncurrent loans to loans | 2.3491% | 1,872 |
| Net loans and leases to total assets | 63.3120% | 3,108 |
| Net loans and leases to deposits | 77.4296% | 2,755 |
| Net loans and leases to core deposits | 79.6437% | 3,161 |
| Total domestic deposits to total assets | 81.7672% | 5,004 |
| Equity capital to assets | 9.9356% | 3,996 |
| Core capital (leverage) ratio | 9.8991% | 3,814 |
| Tier 1 risk-based capital ratio | 13.1867% | 4,990 |
| Total risk-based capital ratio | 14.0732% | 5,181 |
| Memoranda: | ||
| Average total assets | $58,376,000 | 5,864 |
| Average earning assets | $50,887,000 | 5,932 |
| Average equity | $5,427,000 | 6,027 |
| Average total loans | $37,015,250 | 5,514 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0660% | 164 |
| Cost of funding earning assets | 1.1939% | 220 |
| Net interest margin | 4.8721% | 386 |
| Noninterest income to average assets | 0.7744% | 2,303 |
| Noninterest expense to average assets | 3.2490% | 2,215 |
| Loan and lease loss provision to assets | 0.3939% | 801 |
| Net operating income to assets | 1.0505% | 2,111 |
| Return on assets (ROA) | 1.0505% | 2,235 |
| Pretax return on assets | 1.3770% | 2,013 |
| Return on Equity (ROE) | 11.5456% | 1,623 |
| Retained earnings to average equity (ytd only) | 11.5456% | 559 |
| Net charge-offs to loans | 1.0969% | 545 |
| Credit loss provision to net charge-offs | 56.7961% | 3,079 |
| Earnings coverage of net charge-offs (x) | 2.5534% | 3,669 |
| Efficiency ratio | 64.7217% | 4,754 |
| Assets per employee ($millions) | 4.3401% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 5,787 |
| Loan loss allowance to noncurrent loans | 76.9231% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 4.5586% | 718 |
| Noncurrent loans to loans | 1.3101% | 3,367 |
| Net loans and leases to total assets | 62.6752% | 3,160 |
| Net loans and leases to deposits | 72.6701% | 3,358 |
| Net loans and leases to core deposits | 79.1911% | 3,132 |
| Total domestic deposits to total assets | 86.2463% | 3,234 |
| Equity capital to assets | 9.4486% | 4,652 |
| Core capital (leverage) ratio | 9.0982% | 4,827 |
| Tier 1 risk-based capital ratio | 12.7717% | 5,306 |
| Total risk-based capital ratio | 13.6308% | 5,529 |
| Memoranda: | ||
| Average total assets | $59,402,670 | 5,867 |
| Average earning assets | $51,763,670 | 5,942 |
| Average equity | $5,404,670 | 6,077 |
| Average total loans | $37,562,000 | 5,520 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1588% | 667 |
| Cost of funding earning assets | 1.1974% | 234 |
| Net interest margin | 3.9613% | 1,914 |
| Noninterest income to average assets | 0.7620% | 2,285 |
| Noninterest expense to average assets | 2.9888% | 3,026 |
| Loan and lease loss provision to assets | 0.0657% | 3,536 |
| Net operating income to assets | 0.9065% | 2,614 |
| Return on assets (ROA) | 0.9065% | 2,769 |
| Pretax return on assets | 1.1627% | 2,714 |
| Return on Equity (ROE) | 10.1443% | 2,011 |
| Retained earnings to average equity (ytd only) | 10.1443% | 1,073 |
| Net charge-offs to loans | 0.7484% | 812 |
| Credit loss provision to net charge-offs | 13.8889% | 3,108 |
| Earnings coverage of net charge-offs (x) | 2.5972% | 2,995 |
| Efficiency ratio | 70.8723% | 3,814 |
| Assets per employee ($millions) | 4.6350% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 5,967 |
| Loan loss allowance to noncurrent loans | 88.5584% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 4.2187% | 906 |
| Noncurrent loans to loans | 1.1357% | 3,884 |
| Net loans and leases to total assets | 63.2147% | 2,849 |
| Net loans and leases to deposits | 76.5228% | 2,551 |
| Net loans and leases to core deposits | 83.2223% | 2,431 |
| Total domestic deposits to total assets | 82.6089% | 4,987 |
| Equity capital to assets | 9.1577% | 5,301 |
| Core capital (leverage) ratio | 8.5882% | 5,460 |
| Tier 1 risk-based capital ratio | 12.3994% | 5,644 |
| Total risk-based capital ratio | 13.3265% | 5,821 |
| Memoranda: | ||
| Average total assets | $60,893,500 | 5,889 |
| Average earning assets | $53,113,500 | 5,940 |
| Average equity | $5,441,500 | 6,122 |
| Average total loans | $38,482,000 | 5,529 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3451% | 836 |
| Cost of funding earning assets | 1.4588% | 200 |
| Net interest margin | 3.8863% | 2,886 |
| Noninterest income to average assets | -0.9314% | 7,054 |
| Noninterest expense to average assets | 2.6191% | 4,676 |
| Loan and lease loss provision to assets | 0.1113% | 4,238 |
| Net operating income to assets | -0.2622% | 6,413 |
| Return on assets (ROA) | -0.1522% | 6,421 |
| Pretax return on assets | -0.1588% | 6,398 |
| Return on Equity (ROE) | -1.7333% | 6,440 |
| Retained earnings to average equity (ytd only) | -1.7333% | 6,125 |
| Net charge-offs to loans | 0.0889% | 4,789 |
| Credit loss provision to net charge-offs | 212.5000% | 1,198 |
| Earnings coverage of net charge-offs (x) | -3.0938% | 5,873 |
| Efficiency ratio | 106.5956% | 397 |
| Assets per employee ($millions) | 5.1277% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 5,279 |
| Loan loss allowance to noncurrent loans | 102.2779% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 4.3977% | 951 |
| Noncurrent loans to loans | 1.1406% | 3,943 |
| Net loans and leases to total assets | 61.8182% | 3,282 |
| Net loans and leases to deposits | 74.8824% | 2,982 |
| Net loans and leases to core deposits | 81.2951% | 2,851 |
| Total domestic deposits to total assets | 82.5538% | 4,910 |
| Equity capital to assets | 8.7190% | 5,832 |
| Core capital (leverage) ratio | 8.3264% | 5,859 |
| Tier 1 risk-based capital ratio | 11.9982% | 5,793 |
| Total risk-based capital ratio | 13.0673% | 5,864 |
| Memoranda: | ||
| Average total assets | $61,088,800 | 5,896 |
| Average earning assets | $53,264,000 | 5,949 |
| Average equity | $5,365,400 | 6,190 |
| Average total loans | $35,983,400 | 5,680 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3011% | 1,012 |
| Cost of funding earning assets | 1.5242% | 177 |
| Net interest margin | 3.7768% | 3,436 |
| Noninterest income to average assets | -1.6005% | 7,168 |
| Noninterest expense to average assets | 2.5670% | 4,854 |
| Loan and lease loss provision to assets | 0.1246% | 3,993 |
| Net operating income to assets | -1.0298% | 6,869 |
| Return on assets (ROA) | -0.8046% | 6,834 |
| Pretax return on assets | -0.7675% | 6,798 |
| Return on Equity (ROE) | -9.1445% | 6,847 |
| Retained earnings to average equity (ytd only) | -9.1445% | 6,795 |
| Net charge-offs to loans | 0.0905% | 4,470 |
| Credit loss provision to net charge-offs | 237.5000% | 1,164 |
| Earnings coverage of net charge-offs (x) | -16.5413% | 5,749 |
| Efficiency ratio | 151.0940% | 87 |
| Assets per employee ($millions) | 5.4598% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 5,264 |
| Loan loss allowance to noncurrent loans | 143.8710% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 4.2909% | 1,096 |
| Noncurrent loans to loans | 0.8360% | 4,742 |
| Net loans and leases to total assets | 60.9977% | 3,571 |
| Net loans and leases to deposits | 75.5231% | 3,055 |
| Net loans and leases to core deposits | 83.2591% | 2,781 |
| Total domestic deposits to total assets | 80.7669% | 5,432 |
| Equity capital to assets | 8.8281% | 5,995 |
| Core capital (leverage) ratio | 7.8799% | 6,415 |
| Tier 1 risk-based capital ratio | 12.2373% | 5,809 |
| Total risk-based capital ratio | 13.3830% | 5,840 |
| Memoranda: | ||
| Average total assets | $60,978,000 | 5,967 |
| Average earning assets | $53,271,000 | 6,018 |
| Average equity | $5,365,500 | 6,254 |
| Average total loans | $35,357,500 | 5,779 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2804% | 1,091 |
| Cost of funding earning assets | 1.5890% | 161 |
| Net interest margin | 3.6914% | 3,866 |
| Noninterest income to average assets | -2.5422% | 7,238 |
| Noninterest expense to average assets | 2.5227% | 5,063 |
| Loan and lease loss provision to assets | 0.0326% | 5,265 |
| Net operating income to assets | -1.8830% | 7,059 |
| Return on assets (ROA) | -1.8569% | 7,069 |
| Pretax return on assets | -1.8569% | 7,055 |
| Return on Equity (ROE) | -21.1262% | 7,047 |
| Retained earnings to average equity (ytd only) | -21.1262% | 7,023 |
| Net charge-offs to loans | 0.1437% | 3,768 |
| Credit loss provision to net charge-offs | 40.0000% | 4,261 |
| Earnings coverage of net charge-offs (x) | -22.6800% | 5,482 |
| Efficiency ratio | 375.2427% | 13 |
| Assets per employee ($millions) | 5.6136% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 5,725 |
| Loan loss allowance to noncurrent loans | 79.4411% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 4.8988% | 982 |
| Noncurrent loans to loans | 1.4036% | 3,814 |
| Net loans and leases to total assets | 57.1611% | 4,304 |
| Net loans and leases to deposits | 69.8287% | 3,918 |
| Net loans and leases to core deposits | 81.8975% | 2,971 |
| Total domestic deposits to total assets | 81.8591% | 5,184 |
| Equity capital to assets | 8.0891% | 6,521 |
| Core capital (leverage) ratio | 7.3413% | 6,691 |
| Tier 1 risk-based capital ratio | 12.0586% | 5,889 |
| Total risk-based capital ratio | 13.1106% | 5,993 |
| Memoranda: | ||
| Average total assets | $61,284,670 | 5,998 |
| Average earning assets | $53,367,000 | 6,049 |
| Average equity | $5,386,670 | 6,270 |
| Average total loans | $34,783,330 | 5,839 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3853% | 931 |
| Cost of funding earning assets | 1.6459% | 153 |
| Net interest margin | 3.7394% | 3,637 |
| Noninterest income to average assets | -0.0393% | 7,130 |
| Noninterest expense to average assets | 2.5618% | 4,952 |
| Loan and lease loss provision to assets | 0.0655% | 4,598 |
| Net operating income to assets | 0.5110% | 4,781 |
| Return on assets (ROA) | 0.5110% | 4,994 |
| Pretax return on assets | 0.5635% | 5,227 |
| Return on Equity (ROE) | 5.5889% | 4,508 |
| Retained earnings to average equity (ytd only) | 5.5889% | 3,213 |
| Net charge-offs to loans | 0.1631% | 3,110 |
| Credit loss provision to net charge-offs | 71.4286% | 2,876 |
| Earnings coverage of net charge-offs (x) | 6.8571% | 2,145 |
| Efficiency ratio | 80.2875% | 2,162 |
| Assets per employee ($millions) | 5.6173% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 5,453 |
| Loan loss allowance to noncurrent loans | 59.3614% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 6.3603% | 717 |
| Noncurrent loans to loans | 2.0326% | 3,109 |
| Net loans and leases to total assets | 54.1981% | 4,685 |
| Net loans and leases to deposits | 66.9954% | 4,235 |
| Net loans and leases to core deposits | 79.2058% | 3,153 |
| Total domestic deposits to total assets | 80.8982% | 5,635 |
| Equity capital to assets | 9.0435% | 5,430 |
| Core capital (leverage) ratio | 8.4552% | 5,667 |
| Tier 1 risk-based capital ratio | 12.3694% | 5,709 |
| Total risk-based capital ratio | 13.3405% | 5,877 |
| Memoranda: | ||
| Average total assets | $61,052,000 | 6,032 |
| Average earning assets | $52,736,000 | 6,109 |
| Average equity | $5,582,500 | 6,250 |
| Average total loans | $34,327,500 | 5,905 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7591% | 693 |
| Cost of funding earning assets | 1.7474% | 262 |
| Net interest margin | 4.0117% | 2,830 |
| Noninterest income to average assets | -0.7512% | 7,302 |
| Noninterest expense to average assets | 2.3995% | 5,778 |
| Loan and lease loss provision to assets | 0.7197% | 1,422 |
| Net operating income to assets | -0.2567% | 6,305 |
| Return on assets (ROA) | 0.0133% | 6,133 |
| Pretax return on assets | 0.0199% | 6,091 |
| Return on Equity (ROE) | 0.1476% | 6,130 |
| Retained earnings to average equity (ytd only) | 0.1476% | 5,768 |
| Net charge-offs to loans | 1.3824% | 1,184 |
| Credit loss provision to net charge-offs | 87.8543% | 4,105 |
| Earnings coverage of net charge-offs (x) | 0.4109% | 5,512 |
| Efficiency ratio | 87.6970% | 1,380 |
| Assets per employee ($millions) | 5.4831% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 5,448 |
| Loan loss allowance to noncurrent loans | 67.1545% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 6.5010% | 723 |
| Noncurrent loans to loans | 1.7694% | 3,507 |
| Net loans and leases to total assets | 56.9420% | 4,555 |
| Net loans and leases to deposits | 70.5201% | 4,018 |
| Net loans and leases to core deposits | 83.5580% | 2,952 |
| Total domestic deposits to total assets | 80.7458% | 5,530 |
| Equity capital to assets | 9.2466% | 5,218 |
| Core capital (leverage) ratio | 8.4800% | 5,594 |
| Tier 1 risk-based capital ratio | 12.3645% | 5,565 |
| Total risk-based capital ratio | 13.3595% | 5,735 |
| Memoranda: | ||
| Average total assets | $60,305,000 | 6,027 |
| Average earning assets | $52,421,200 | 6,112 |
| Average equity | $5,418,600 | 6,318 |
| Average total loans | $35,734,000 | 5,881 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7336% | 799 |
| Cost of funding earning assets | 1.7533% | 315 |
| Net interest margin | 3.9803% | 3,006 |
| Noninterest income to average assets | -0.9507% | 7,400 |
| Noninterest expense to average assets | 2.7129% | 4,676 |
| Loan and lease loss provision to assets | 0.9109% | 978 |
| Net operating income to assets | -1.1011% | 6,920 |
| Return on assets (ROA) | -0.6213% | 6,749 |
| Pretax return on assets | -0.6213% | 6,692 |
| Return on Equity (ROE) | -6.9652% | 6,768 |
| Retained earnings to average equity (ytd only) | -6.9652% | 6,704 |
| Net charge-offs to loans | 1.9419% | 664 |
| Credit loss provision to net charge-offs | 78.6260% | 4,185 |
| Earnings coverage of net charge-offs (x) | -0.1641% | 5,704 |
| Efficiency ratio | 107.5372% | 476 |
| Assets per employee ($millions) | 5.4929% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 6,149 |
| Loan loss allowance to noncurrent loans | 51.4979% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 7.0835% | 695 |
| Noncurrent loans to loans | 1.9870% | 3,384 |
| Net loans and leases to total assets | 57.7902% | 4,543 |
| Net loans and leases to deposits | 71.2263% | 4,103 |
| Net loans and leases to core deposits | 85.1617% | 2,888 |
| Total domestic deposits to total assets | 81.1360% | 5,387 |
| Equity capital to assets | 8.8925% | 5,869 |
| Core capital (leverage) ratio | 7.9950% | 6,407 |
| Tier 1 risk-based capital ratio | 12.0141% | 5,888 |
| Total risk-based capital ratio | 12.9096% | 6,127 |
| Memoranda: | ||
| Average total assets | $60,302,750 | 6,076 |
| Average earning assets | $52,624,000 | 6,146 |
| Average equity | $5,379,000 | 6,375 |
| Average total loans | $35,978,250 | 5,922 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7469% | 802 |
| Cost of funding earning assets | 1.7362% | 411 |
| Net interest margin | 4.0107% | 2,787 |
| Noninterest income to average assets | -0.5310% | 7,431 |
| Noninterest expense to average assets | 2.3895% | 5,875 |
| Loan and lease loss provision to assets | 1.0620% | 789 |
| Net operating income to assets | -0.5011% | 6,690 |
| Return on assets (ROA) | -0.3186% | 6,593 |
| Pretax return on assets | -0.2887% | 6,524 |
| Return on Equity (ROE) | -3.5681% | 6,627 |
| Retained earnings to average equity (ytd only) | -3.5681% | 6,427 |
| Net charge-offs to loans | 1.7453% | 815 |
| Credit loss provision to net charge-offs | 101.2658% | 3,064 |
| Earnings coverage of net charge-offs (x) | 0.5633% | 4,883 |
| Efficiency ratio | 80.1782% | 2,365 |
| Assets per employee ($millions) | 5.4698% | 1,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 4,918 |
| Loan loss allowance to noncurrent loans | 91.0305% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 5.3184% | 1,135 |
| Noncurrent loans to loans | 1.4627% | 4,228 |
| Net loans and leases to total assets | 58.7488% | 4,506 |
| Net loans and leases to deposits | 72.9592% | 3,963 |
| Net loans and leases to core deposits | 87.7644% | 2,671 |
| Total domestic deposits to total assets | 80.5229% | 5,678 |
| Equity capital to assets | 9.3322% | 5,098 |
| Core capital (leverage) ratio | 8.2460% | 5,957 |
| Tier 1 risk-based capital ratio | 12.0871% | 5,717 |
| Total risk-based capital ratio | 13.2338% | 5,769 |
| Memoranda: | ||
| Average total assets | $60,263,000 | 6,131 |
| Average earning assets | $52,759,330 | 6,196 |
| Average equity | $5,381,000 | 6,417 |
| Average total loans | $36,211,330 | 5,963 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7479% | 805 |
| Cost of funding earning assets | 1.7517% | 442 |
| Net interest margin | 3.9962% | 2,698 |
| Noninterest income to average assets | -0.7561% | 7,524 |
| Noninterest expense to average assets | 2.3677% | 5,993 |
| Loan and lease loss provision to assets | 1.5586% | 400 |
| Net operating income to assets | -1.2137% | 7,106 |
| Return on assets (ROA) | -1.2137% | 7,110 |
| Pretax return on assets | -1.1872% | 7,054 |
| Return on Equity (ROE) | -13.9058% | 7,127 |
| Retained earnings to average equity (ytd only) | -13.9058% | 7,009 |
| Net charge-offs to loans | 2.6041% | 423 |
| Credit loss provision to net charge-offs | 99.1561% | 2,748 |
| Earnings coverage of net charge-offs (x) | 0.2363% | 4,438 |
| Efficiency ratio | 86.4407% | 1,662 |
| Assets per employee ($millions) | 5.4463% | 1,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 5,043 |
| Loan loss allowance to noncurrent loans | 134.1880% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 5.3698% | 1,148 |
| Noncurrent loans to loans | 0.9821% | 5,080 |
| Net loans and leases to total assets | 58.8710% | 4,483 |
| Net loans and leases to deposits | 74.0510% | 3,754 |
| Net loans and leases to core deposits | 90.8199% | 2,258 |
| Total domestic deposits to total assets | 79.5006% | 6,058 |
| Equity capital to assets | 8.6631% | 5,700 |
| Core capital (leverage) ratio | 8.0507% | 6,191 |
| Tier 1 risk-based capital ratio | 11.9220% | 5,758 |
| Total risk-based capital ratio | 13.0587% | 5,849 |
| Memoranda: | ||
| Average total assets | $60,310,500 | 6,175 |
| Average earning assets | $52,749,500 | 6,248 |
| Average equity | $5,264,000 | 6,464 |
| Average total loans | $36,404,500 | 6,011 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5569% | 2,059 |
| Cost of funding earning assets | 1.9907% | 631 |
| Net interest margin | 3.5663% | 4,976 |
| Noninterest income to average assets | -0.5155% | 7,565 |
| Noninterest expense to average assets | 2.2247% | 6,555 |
| Loan and lease loss provision to assets | 0.6144% | 2,679 |
| Net operating income to assets | -0.2697% | 6,187 |
| Return on assets (ROA) | -0.2107% | 6,180 |
| Pretax return on assets | -0.2107% | 6,095 |
| Return on Equity (ROE) | -2.4472% | 6,226 |
| Retained earnings to average equity (ytd only) | -2.4472% | 6,041 |
| Net charge-offs to loans | 0.3882% | 4,098 |
| Credit loss provision to net charge-offs | 271.1268% | 1,016 |
| Earnings coverage of net charge-offs (x) | 1.5211% | 4,608 |
| Efficiency ratio | 86.5839% | 1,618 |
| Assets per employee ($millions) | 5.5193% | 1,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 5,128 |
| Loan loss allowance to noncurrent loans | 83.2746% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 5.8473% | 1,035 |
| Noncurrent loans to loans | 1.5323% | 4,195 |
| Net loans and leases to total assets | 60.2780% | 4,632 |
| Net loans and leases to deposits | 76.1116% | 3,821 |
| Net loans and leases to core deposits | 93.9371% | 2,263 |
| Total domestic deposits to total assets | 79.1969% | 6,032 |
| Equity capital to assets | 8.7923% | 5,445 |
| Core capital (leverage) ratio | 8.3937% | 5,543 |
| Tier 1 risk-based capital ratio | 12.1320% | 5,351 |
| Total risk-based capital ratio | 13.2522% | 5,452 |
| Memoranda: | ||
| Average total assets | $62,659,200 | 6,104 |
| Average earning assets | $54,202,400 | 6,210 |
| Average equity | $5,394,000 | 6,538 |
| Average total loans | $36,576,200 | 6,089 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5143% | 2,380 |
| Cost of funding earning assets | 2.0492% | 639 |
| Net interest margin | 3.4651% | 5,433 |
| Noninterest income to average assets | -0.6947% | 7,704 |
| Noninterest expense to average assets | 2.3099% | 6,293 |
| Loan and lease loss provision to assets | 0.4751% | 3,097 |
| Net operating income to assets | -0.5173% | 6,605 |
| Return on assets (ROA) | -0.5173% | 6,652 |
| Pretax return on assets | -0.4877% | 6,540 |
| Return on Equity (ROE) | -6.0403% | 6,719 |
| Retained earnings to average equity (ytd only) | -6.0403% | 6,635 |
| Net charge-offs to loans | -0.0219% | 7,364 |
| Credit loss provision to net charge-offs | -3,750.0000% | 7,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5515% | 724 |
| Assets per employee ($millions) | 5.6497% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 5,343 |
| Loan loss allowance to noncurrent loans | 115.8291% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 6.2175% | 944 |
| Noncurrent loans to loans | 1.0623% | 5,118 |
| Net loans and leases to total assets | 59.5459% | 4,994 |
| Net loans and leases to deposits | 76.8940% | 4,026 |
| Net loans and leases to core deposits | 95.4107% | 2,333 |
| Total domestic deposits to total assets | 77.4390% | 6,382 |
| Equity capital to assets | 8.6456% | 6,109 |
| Core capital (leverage) ratio | 7.8569% | 6,513 |
| Tier 1 risk-based capital ratio | 11.4376% | 5,985 |
| Total risk-based capital ratio | 12.4900% | 6,148 |
| Memoranda: | ||
| Average total assets | $63,146,000 | 6,156 |
| Average earning assets | $54,524,000 | 6,261 |
| Average equity | $5,408,000 | 6,620 |
| Average total loans | $36,453,000 | 6,179 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3912% | 3,009 |
| Cost of funding earning assets | 2.0651% | 746 |
| Net interest margin | 3.3261% | 5,919 |
| Noninterest income to average assets | -1.0492% | 7,797 |
| Noninterest expense to average assets | 2.4418% | 5,937 |
| Loan and lease loss provision to assets | 0.7089% | 2,055 |
| Net operating income to assets | -1.3611% | 7,102 |
| Return on assets (ROA) | -1.3611% | 7,116 |
| Pretax return on assets | -1.3327% | 7,026 |
| Return on Equity (ROE) | -15.9419% | 7,170 |
| Retained earnings to average equity (ytd only) | -15.9419% | 7,133 |
| Net charge-offs to loans | -0.0277% | 7,336 |
| Credit loss provision to net charge-offs | -4,500.0000% | 7,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.3154% | 287 |
| Assets per employee ($millions) | 5.2624% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 5,217 |
| Loan loss allowance to noncurrent loans | 113.3005% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 6.1315% | 944 |
| Noncurrent loans to loans | 1.0985% | 5,123 |
| Net loans and leases to total assets | 57.8014% | 5,446 |
| Net loans and leases to deposits | 77.5199% | 4,075 |
| Net loans and leases to core deposits | 98.5581% | 2,171 |
| Total domestic deposits to total assets | 74.5633% | 6,905 |
| Equity capital to assets | 8.3263% | 6,391 |
| Core capital (leverage) ratio | 7.5161% | 6,814 |
| Tier 1 risk-based capital ratio | 10.8156% | 6,439 |
| Total risk-based capital ratio | 11.8472% | 6,610 |
| Memoranda: | ||
| Average total assets | $63,479,000 | 6,195 |
| Average earning assets | $54,718,670 | 6,294 |
| Average equity | $5,419,670 | 6,645 |
| Average total loans | $36,115,000 | 6,239 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5228% | 2,481 |
| Cost of funding earning assets | 2.1421% | 705 |
| Net interest margin | 3.3807% | 5,665 |
| Noninterest income to average assets | -0.0440% | 7,726 |
| Noninterest expense to average assets | 2.9414% | 3,906 |
| Loan and lease loss provision to assets | 0.3142% | 3,536 |
| Net operating income to assets | -0.4148% | 6,775 |
| Return on assets (ROA) | -0.4148% | 6,808 |
| Pretax return on assets | -0.3834% | 6,708 |
| Return on Equity (ROE) | -4.7996% | 6,874 |
| Retained earnings to average equity (ytd only) | -4.7996% | 6,576 |
| Net charge-offs to loans | -0.1121% | 7,542 |
| Credit loss provision to net charge-offs | -500.0000% | 6,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4070% | 774 |
| Assets per employee ($millions) | 5.3300% | 1,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8159% | 7,086 |
| Loan loss allowance to noncurrent loans | 13.2906% | 7,258 |
| Noncurrent assets plus other real estate owned to assets | 8.9275% | 504 |
| Noncurrent loans to loans | 6.1392% | 1,061 |
| Net loans and leases to total assets | 55.1157% | 5,873 |
| Net loans and leases to deposits | 74.5837% | 4,658 |
| Net loans and leases to core deposits | 96.8754% | 2,478 |
| Total domestic deposits to total assets | 73.8977% | 7,062 |
| Equity capital to assets | 8.5507% | 5,935 |
| Core capital (leverage) ratio | 8.0701% | 6,131 |
| Tier 1 risk-based capital ratio | 11.4923% | 5,680 |
| Total risk-based capital ratio | 12.1346% | 6,239 |
| Memoranda: | ||
| Average total assets | $63,644,000 | 6,253 |
| Average earning assets | $54,899,500 | 6,362 |
| Average equity | $5,500,500 | 6,674 |
| Average total loans | $35,692,000 | 6,327 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6570% | 3,317 |
| Cost of funding earning assets | 2.3316% | 1,527 |
| Net interest margin | 3.3254% | 5,636 |
| Noninterest income to average assets | 0.8456% | 2,201 |
| Noninterest expense to average assets | 2.3683% | 6,556 |
| Loan and lease loss provision to assets | 1.3230% | 1,739 |
| Net operating income to assets | 0.1054% | 5,199 |
| Return on assets (ROA) | 0.5882% | 3,451 |
| Pretax return on assets | 0.6069% | 3,884 |
| Return on Equity (ROE) | 6.9942% | 2,790 |
| Retained earnings to average equity (ytd only) | 6.9385% | 983 |
| Net charge-offs to loans | 2.8419% | 771 |
| Credit loss provision to net charge-offs | 80.1512% | 6,276 |
| Earnings coverage of net charge-offs (x) | 0.8677% | 5,242 |
| Efficiency ratio | 62.3153% | 6,103 |
| Assets per employee ($millions) | 5.2773% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.7958% | 4,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6417% | 7,492 |
| Loan loss allowance to noncurrent loans | 15.2419% | 7,248 |
| Noncurrent assets plus other real estate owned to assets | 8.0644% | 554 |
| Noncurrent loans to loans | 4.2101% | 1,733 |
| Net loans and leases to total assets | 56.2342% | 5,915 |
| Net loans and leases to deposits | 76.4173% | 4,667 |
| Net loans and leases to core deposits | 83.3829% | 5,777 |
| Total domestic deposits to total assets | 73.5883% | 7,072 |
| Equity capital to assets | 8.7355% | 5,542 |
| Core capital (leverage) ratio | 8.0363% | 6,106 |
| Tier 1 risk-based capital ratio | 11.5401% | 5,358 |
| Total risk-based capital ratio | 12.0452% | 6,090 |
| Memoranda: | ||
| Average total assets | $64,097,000 | 6,193 |
| Average earning assets | $56,955,800 | 6,250 |
| Average equity | $5,390,200 | 6,808 |
| Average total loans | $37,229,200 | 6,242 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6607% | 3,521 |
| Cost of funding earning assets | 2.3929% | 1,659 |
| Net interest margin | 3.2677% | 5,762 |
| Noninterest income to average assets | 0.7549% | 2,684 |
| Noninterest expense to average assets | 2.2626% | 6,806 |
| Loan and lease loss provision to assets | 1.2506% | 1,544 |
| Net operating income to assets | 0.1640% | 5,272 |
| Return on assets (ROA) | 0.5040% | 4,057 |
| Pretax return on assets | 0.5206% | 4,453 |
| Return on Equity (ROE) | 6.0505% | 3,505 |
| Retained earnings to average equity (ytd only) | 5.9758% | 1,962 |
| Net charge-offs to loans | 1.5435% | 1,327 |
| Credit loss provision to net charge-offs | 138.6207% | 3,570 |
| Earnings coverage of net charge-offs (x) | 1.5747% | 4,613 |
| Efficiency ratio | 61.4302% | 6,208 |
| Assets per employee ($millions) | 5.4075% | 1,703 |
| Cash dividends to net income (ytd only)* | 1.2346% | 3,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5991% | 2,996 |
| Loan loss allowance to noncurrent loans | 34.9827% | 6,080 |
| Noncurrent assets plus other real estate owned to assets | 5.8884% | 929 |
| Noncurrent loans to loans | 4.5710% | 1,516 |
| Net loans and leases to total assets | 57.6576% | 5,937 |
| Net loans and leases to deposits | 79.5924% | 4,458 |
| Net loans and leases to core deposits | 86.6667% | 5,805 |
| Total domestic deposits to total assets | 72.4411% | 7,157 |
| Equity capital to assets | 8.5745% | 6,146 |
| Core capital (leverage) ratio | 7.9044% | 6,496 |
| Tier 1 risk-based capital ratio | 10.6499% | 6,300 |
| Total risk-based capital ratio | 11.8998% | 6,278 |
| Memoranda: | ||
| Average total assets | $64,289,250 | 6,238 |
| Average earning assets | $57,612,500 | 6,278 |
| Average equity | $5,354,750 | 6,885 |
| Average total loans | $37,576,000 | 6,254 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7672% | 3,208 |
| Cost of funding earning assets | 2.3903% | 2,003 |
| Net interest margin | 3.3769% | 5,264 |
| Noninterest income to average assets | 1.0454% | 1,445 |
| Noninterest expense to average assets | 2.3592% | 6,594 |
| Loan and lease loss provision to assets | 1.8818% | 871 |
| Net operating income to assets | -0.1085% | 6,029 |
| Return on assets (ROA) | 0.0094% | 5,888 |
| Pretax return on assets | 0.0218% | 5,822 |
| Return on Equity (ROE) | 0.1135% | 5,883 |
| Retained earnings to average equity (ytd only) | 0.1135% | 5,160 |
| Net charge-offs to loans | 2.3031% | 772 |
| Credit loss provision to net charge-offs | 139.9072% | 3,339 |
| Earnings coverage of net charge-offs (x) | 1.2784% | 4,567 |
| Efficiency ratio | 57.8424% | 6,885 |
| Assets per employee ($millions) | 5.2346% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6614% | 2,485 |
| Loan loss allowance to noncurrent loans | 54.7896% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 4.4321% | 1,275 |
| Noncurrent loans to loans | 3.0323% | 2,379 |
| Net loans and leases to total assets | 57.6693% | 6,009 |
| Net loans and leases to deposits | 84.7527% | 3,758 |
| Net loans and leases to core deposits | 94.6168% | 5,046 |
| Total domestic deposits to total assets | 68.0443% | 7,622 |
| Equity capital to assets | 8.3229% | 6,301 |
| Core capital (leverage) ratio | 7.6322% | 6,856 |
| Tier 1 risk-based capital ratio | 10.5780% | 6,313 |
| Total risk-based capital ratio | 11.7673% | 6,307 |
| Memoranda: | ||
| Average total assets | $64,089,000 | 6,300 |
| Average earning assets | $57,567,000 | 6,332 |
| Average equity | $5,285,000 | 6,969 |
| Average total loans | $37,427,330 | 6,323 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8192% | 3,204 |
| Cost of funding earning assets | 2.3606% | 2,460 |
| Net interest margin | 3.4586% | 4,902 |
| Noninterest income to average assets | 0.4511% | 4,757 |
| Noninterest expense to average assets | 2.2186% | 6,811 |
| Loan and lease loss provision to assets | 0.3708% | 3,103 |
| Net operating income to assets | 0.9764% | 2,409 |
| Return on assets (ROA) | 1.3410% | 1,377 |
| Pretax return on assets | 1.3410% | 2,144 |
| Return on Equity (ROE) | 16.3357% | 769 |
| Retained earnings to average equity (ytd only) | 16.3357% | 310 |
| Net charge-offs to loans | 0.5620% | 2,064 |
| Credit loss provision to net charge-offs | 113.2075% | 3,428 |
| Earnings coverage of net charge-offs (x) | 4.1132% | 2,974 |
| Efficiency ratio | 62.2184% | 6,014 |
| Assets per employee ($millions) | 5.2655% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 4,757 |
| Loan loss allowance to noncurrent loans | 39.0885% | 5,937 |
| Noncurrent assets plus other real estate owned to assets | 4.4614% | 1,083 |
| Noncurrent loans to loans | 3.0888% | 2,093 |
| Net loans and leases to total assets | 57.7565% | 5,982 |
| Net loans and leases to deposits | 85.9815% | 3,633 |
| Net loans and leases to core deposits | 95.6116% | 5,011 |
| Total domestic deposits to total assets | 67.1731% | 7,658 |
| Equity capital to assets | 8.6696% | 5,812 |
| Core capital (leverage) ratio | 7.7710% | 6,788 |
| Tier 1 risk-based capital ratio | 11.3309% | 5,565 |
| Total risk-based capital ratio | 12.3222% | 5,740 |
| Memoranda: | ||
| Average total assets | $64,726,000 | 6,303 |
| Average earning assets | $58,290,000 | 6,330 |
| Average equity | $5,313,500 | 7,001 |
| Average total loans | $37,722,500 | 6,345 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3410% | 3,727 |
| Cost of funding earning assets | 3.1620% | 1,308 |
| Net interest margin | 3.1790% | 6,431 |
| Noninterest income to average assets | 0.3519% | 5,913 |
| Noninterest expense to average assets | 2.0111% | 7,417 |
| Loan and lease loss provision to assets | 0.9618% | 1,531 |
| Net operating income to assets | 0.2858% | 5,586 |
| Return on assets (ROA) | 0.5004% | 4,578 |
| Pretax return on assets | 0.5301% | 4,907 |
| Return on Equity (ROE) | 6.2129% | 3,855 |
| Retained earnings to average equity (ytd only) | -1.2037% | 5,658 |
| Net charge-offs to loans | 1.3904% | 846 |
| Credit loss provision to net charge-offs | 112.0219% | 4,816 |
| Earnings coverage of net charge-offs (x) | 1.4718% | 5,373 |
| Efficiency ratio | 61.4136% | 6,077 |
| Assets per employee ($millions) | 5.5222% | 1,443 |
| Cash dividends to net income (ytd only)* | 119.3750% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1427% | 4,976 |
| Loan loss allowance to noncurrent loans | 45.3608% | 5,743 |
| Noncurrent assets plus other real estate owned to assets | 3.5508% | 1,247 |
| Noncurrent loans to loans | 2.5192% | 2,160 |
| Net loans and leases to total assets | 57.4427% | 6,283 |
| Net loans and leases to deposits | 84.4088% | 4,357 |
| Net loans and leases to core deposits | 98.2728% | 5,013 |
| Total domestic deposits to total assets | 68.0530% | 7,464 |
| Equity capital to assets | 7.7702% | 7,133 |
| Core capital (leverage) ratio | 7.3403% | 7,377 |
| Tier 1 risk-based capital ratio | 10.0808% | 6,647 |
| Total risk-based capital ratio | 10.9895% | 6,939 |
| Memoranda: | ||
| Average total assets | $63,945,000 | 6,233 |
| Average earning assets | $58,791,600 | 6,227 |
| Average equity | $5,150,600 | 7,100 |
| Average total loans | $39,485,000 | 6,195 |