| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8156% | 2,229 |
| Cost of funding earning assets | 1.0263% | 2,962 |
| Net interest margin | 3.7893% | 1,622 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 2.2633% | 2,910 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.1773% | 1,857 |
| Return on assets (ROA) | 1.1773% | 1,839 |
| Pretax return on assets | 1.5043% | 1,546 |
| Return on Equity (ROE) | 9.7200% | 2,728 |
| Retained earnings to average equity (ytd only) | 9.7172% | 1,489 |
| Net charge-offs to loans | 0.0342% | 1,397 |
| Credit loss provision to net charge-offs | 193.5484% | 1,146 |
| Earnings coverage of net charge-offs (x) | 66.1935% | 1,149 |
| Efficiency ratio | 59.3583% | 3,036 |
| Assets per employee ($millions) | 7.5731% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2630% | 2,039 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 70.1100% | 1,814 |
| Net loans and leases to deposits | 80.8430% | 1,985 |
| Net loans and leases to core deposits | 84.8801% | 2,271 |
| Total domestic deposits to total assets | 86.7200% | 1,973 |
| Equity capital to assets | 12.7293% | 867 |
| Core capital (leverage) ratio | 12.8880% | 1,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $176,552,250 | 3,160 |
| Average earning assets | $169,277,500 | 3,108 |
| Average equity | $21,391,000 | 2,728 |
| Average total loans | $120,702,250 | 2,949 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7482% | 2,110 |
| Cost of funding earning assets | 0.9782% | 2,679 |
| Net interest margin | 3.7701% | 1,682 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.2330% | 2,985 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.1120% | 2,091 |
| Return on assets (ROA) | 1.1120% | 2,079 |
| Pretax return on assets | 1.5010% | 1,597 |
| Return on Equity (ROE) | 9.3300% | 2,882 |
| Retained earnings to average equity (ytd only) | 9.3324% | 1,598 |
| Net charge-offs to loans | 0.0518% | 997 |
| Credit loss provision to net charge-offs | 193.5484% | 1,065 |
| Earnings coverage of net charge-offs (x) | 44.8710% | 1,339 |
| Efficiency ratio | 58.7363% | 3,109 |
| Assets per employee ($millions) | 7.2220% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2859% | 1,985 |
| Loan loss allowance to noncurrent loans | 2,519.3548% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 3,427 |
| Noncurrent loans to loans | 0.0510% | 3,341 |
| Net loans and leases to total assets | 69.1800% | 1,830 |
| Net loans and leases to deposits | 79.5377% | 2,011 |
| Net loans and leases to core deposits | 83.4204% | 2,241 |
| Total domestic deposits to total assets | 86.9800% | 1,937 |
| Equity capital to assets | 12.4735% | 932 |
| Core capital (leverage) ratio | 12.5254% | 1,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $177,342,667 | 3,160 |
| Average earning assets | $169,704,667 | 3,108 |
| Average equity | $21,130,667 | 2,762 |
| Average total loans | $119,712,000 | 2,953 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6604% | 1,948 |
| Cost of funding earning assets | 0.9041% | 2,356 |
| Net interest margin | 3.7563% | 1,780 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.2213% | 3,039 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1307% | 2,125 |
| Return on assets (ROA) | 1.1307% | 2,091 |
| Pretax return on assets | 1.5255% | 1,613 |
| Return on Equity (ROE) | 9.7100% | 2,874 |
| Retained earnings to average equity (ytd only) | 9.7099% | 1,765 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.2857% | 3,046 |
| Assets per employee ($millions) | 7.3806% | 1,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2955% | 2,053 |
| Loan loss allowance to noncurrent loans | 2,472.5806% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 3,431 |
| Noncurrent loans to loans | 0.0524% | 3,366 |
| Net loans and leases to total assets | 65.9400% | 2,064 |
| Net loans and leases to deposits | 75.3369% | 2,176 |
| Net loans and leases to core deposits | 79.0831% | 2,313 |
| Total domestic deposits to total assets | 87.5200% | 2,081 |
| Equity capital to assets | 11.9355% | 1,014 |
| Core capital (leverage) ratio | 11.8952% | 1,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $179,350,500 | 3,181 |
| Average earning assets | $171,658,000 | 3,132 |
| Average equity | $20,886,000 | 2,807 |
| Average total loans | $118,831,500 | 2,992 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1148% | 1,444 |
| Cost of funding earning assets | 0.4561% | 1,678 |
| Net interest margin | 3.6588% | 1,478 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 2.0154% | 3,543 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.0231% | 2,484 |
| Return on assets (ROA) | 1.0231% | 2,427 |
| Pretax return on assets | 1.3611% | 1,900 |
| Return on Equity (ROE) | 9.0900% | 3,110 |
| Retained earnings to average equity (ytd only) | 9.0936% | 1,457 |
| Net charge-offs to loans | 0.0009% | 2,554 |
| Credit loss provision to net charge-offs | 14,700.0000% | 50 |
| Earnings coverage of net charge-offs (x) | 2,527.0000% | 65 |
| Efficiency ratio | 58.2383% | 3,308 |
| Assets per employee ($millions) | 7.5653% | 1,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2846% | 1,973 |
| Loan loss allowance to noncurrent loans | 2,472.5806% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 3,462 |
| Noncurrent loans to loans | 0.0520% | 3,385 |
| Net loans and leases to total assets | 64.8800% | 2,158 |
| Net loans and leases to deposits | 73.5276% | 2,291 |
| Net loans and leases to core deposits | 76.8995% | 2,358 |
| Total domestic deposits to total assets | 88.2400% | 1,998 |
| Equity capital to assets | 11.3623% | 1,123 |
| Core capital (leverage) ratio | 11.8946% | 1,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $174,856,000 | 3,236 |
| Average earning assets | $156,774,200 | 3,267 |
| Average equity | $19,673,200 | 2,980 |
| Average total loans | $113,539,400 | 2,994 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9829% | 1,299 |
| Cost of funding earning assets | 0.3698% | 1,529 |
| Net interest margin | 3.6131% | 1,362 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.9987% | 3,490 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.9616% | 2,618 |
| Return on assets (ROA) | 0.9616% | 2,593 |
| Pretax return on assets | 1.2780% | 2,117 |
| Return on Equity (ROE) | 8.5700% | 3,156 |
| Retained earnings to average equity (ytd only) | 8.5690% | 1,804 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.4458% | 3,192 |
| Assets per employee ($millions) | 7.5262% | 1,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2956% | 2,045 |
| Loan loss allowance to noncurrent loans | 2,416.1290% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 3,556 |
| Noncurrent loans to loans | 0.0536% | 3,494 |
| Net loans and leases to total assets | 65.9300% | 1,899 |
| Net loans and leases to deposits | 74.7488% | 1,978 |
| Net loans and leases to core deposits | 77.5733% | 2,072 |
| Total domestic deposits to total assets | 88.2000% | 2,367 |
| Equity capital to assets | 11.6018% | 970 |
| Core capital (leverage) ratio | 11.5533% | 1,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $173,178,500 | 3,270 |
| Average earning assets | $152,883,750 | 3,322 |
| Average equity | $19,434,000 | 3,046 |
| Average total loans | $112,091,000 | 3,018 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8679% | 1,176 |
| Cost of funding earning assets | 0.3296% | 1,443 |
| Net interest margin | 3.5382% | 1,211 |
| Noninterest income to average assets | 0.1674% | 4,176 |
| Noninterest expense to average assets | 1.9584% | 3,554 |
| Loan and lease loss provision to assets | 0.1212% | 819 |
| Net operating income to assets | 0.8429% | 2,806 |
| Return on assets (ROA) | 0.8429% | 2,778 |
| Pretax return on assets | 1.1120% | 2,361 |
| Return on Equity (ROE) | 7.5972% | 3,139 |
| Retained earnings to average equity (ytd only) | 7.5972% | 1,770 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3603% | 3,130 |
| Assets per employee ($millions) | 7.9440% | 1,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2889% | 2,244 |
| Loan loss allowance to noncurrent loans | 2,406.4516% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 3,628 |
| Noncurrent loans to loans | 0.0536% | 3,545 |
| Net loans and leases to total assets | 65.3802% | 1,769 |
| Net loans and leases to deposits | 73.8052% | 1,889 |
| Net loans and leases to core deposits | 75.7793% | 2,036 |
| Total domestic deposits to total assets | 88.5848% | 2,338 |
| Equity capital to assets | 11.2029% | 1,134 |
| Core capital (leverage) ratio | 11.4473% | 1,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $173,203,667 | 3,307 |
| Average earning assets | $148,040,000 | 3,413 |
| Average equity | $19,217,667 | 3,131 |
| Average total loans | $110,914,667 | 3,052 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9035% | 920 |
| Cost of funding earning assets | 0.3383% | 1,304 |
| Net interest margin | 3.5652% | 952 |
| Noninterest income to average assets | 0.1554% | 4,224 |
| Noninterest expense to average assets | 2.0067% | 3,410 |
| Loan and lease loss provision to assets | 0.0116% | 2,129 |
| Net operating income to assets | 0.7957% | 2,674 |
| Return on assets (ROA) | 0.7957% | 2,666 |
| Pretax return on assets | 1.0463% | 2,306 |
| Return on Equity (ROE) | 7.2070% | 2,976 |
| Retained earnings to average equity (ytd only) | 7.2070% | 1,828 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4807% | 2,837 |
| Assets per employee ($millions) | 7.1442% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2689% | 2,505 |
| Loan loss allowance to noncurrent loans | 1,740.0000% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.0467% | 3,573 |
| Noncurrent loans to loans | 0.0729% | 3,486 |
| Net loans and leases to total assets | 63.1704% | 1,721 |
| Net loans and leases to deposits | 71.3039% | 1,831 |
| Net loans and leases to core deposits | 72.9973% | 2,020 |
| Total domestic deposits to total assets | 88.5933% | 2,257 |
| Equity capital to assets | 11.1985% | 1,238 |
| Core capital (leverage) ratio | 11.1057% | 1,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $172,422,000 | 3,326 |
| Average earning assets | $140,694,000 | 3,499 |
| Average equity | $19,037,000 | 3,235 |
| Average total loans | $108,494,500 | 3,080 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2254% | 953 |
| Cost of funding earning assets | 0.4547% | 1,163 |
| Net interest margin | 3.7707% | 1,069 |
| Noninterest income to average assets | 0.3564% | 3,303 |
| Noninterest expense to average assets | 2.0502% | 3,533 |
| Loan and lease loss provision to assets | 0.3480% | 216 |
| Net operating income to assets | 0.7621% | 3,450 |
| Return on assets (ROA) | 0.7621% | 3,514 |
| Pretax return on assets | 0.9286% | 3,426 |
| Return on Equity (ROE) | 7.0157% | 3,514 |
| Retained earnings to average equity (ytd only) | 7.0157% | 1,912 |
| Net charge-offs to loans | 0.2382% | 391 |
| Credit loss provision to net charge-offs | 219.3182% | 1,256 |
| Earnings coverage of net charge-offs (x) | 8.0455% | 2,319 |
| Efficiency ratio | 61.6260% | 2,920 |
| Assets per employee ($millions) | 7.5384% | 1,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2928% | 2,391 |
| Loan loss allowance to noncurrent loans | 2,237.0968% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 3,769 |
| Noncurrent loans to loans | 0.0578% | 3,664 |
| Net loans and leases to total assets | 61.0771% | 2,051 |
| Net loans and leases to deposits | 68.7167% | 2,246 |
| Net loans and leases to core deposits | 70.3337% | 2,411 |
| Total domestic deposits to total assets | 88.8825% | 1,582 |
| Equity capital to assets | 10.8851% | 1,871 |
| Core capital (leverage) ratio | 11.3791% | 1,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $166,372,600 | 3,335 |
| Average earning assets | $131,063,000 | 3,560 |
| Average equity | $18,073,800 | 3,377 |
| Average total loans | $110,840,200 | 3,068 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2100% | 1,093 |
| Cost of funding earning assets | 0.4794% | 1,161 |
| Net interest margin | 3.7306% | 1,274 |
| Noninterest income to average assets | 0.1855% | 4,271 |
| Noninterest expense to average assets | 2.0232% | 3,601 |
| Loan and lease loss provision to assets | 0.4690% | 124 |
| Net operating income to assets | 0.5759% | 4,047 |
| Return on assets (ROA) | 0.5759% | 4,092 |
| Pretax return on assets | 0.6868% | 4,087 |
| Return on Equity (ROE) | 5.3037% | 4,065 |
| Retained earnings to average equity (ytd only) | 5.3037% | 3,100 |
| Net charge-offs to loans | 0.3174% | 244 |
| Credit loss provision to net charge-offs | 217.6692% | 1,163 |
| Earnings coverage of net charge-offs (x) | 5.3647% | 2,227 |
| Efficiency ratio | 63.6433% | 2,444 |
| Assets per employee ($millions) | 7.0361% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2323% | 2,828 |
| Loan loss allowance to noncurrent loans | 2,232.2581% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 3,900 |
| Noncurrent loans to loans | 0.0552% | 3,832 |
| Net loans and leases to total assets | 68.5462% | 1,249 |
| Net loans and leases to deposits | 77.4871% | 1,526 |
| Net loans and leases to core deposits | 79.4524% | 1,784 |
| Total domestic deposits to total assets | 88.4614% | 1,591 |
| Equity capital to assets | 11.3137% | 1,800 |
| Core capital (leverage) ratio | 11.2207% | 1,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $164,619,750 | 3,384 |
| Average earning assets | $132,093,500 | 3,593 |
| Average equity | $17,874,000 | 3,439 |
| Average total loans | $111,729,000 | 3,091 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1984% | 1,191 |
| Cost of funding earning assets | 0.5013% | 1,197 |
| Net interest margin | 3.6971% | 1,354 |
| Noninterest income to average assets | 0.2839% | 3,725 |
| Noninterest expense to average assets | 1.9861% | 3,745 |
| Loan and lease loss provision to assets | 0.6572% | 64 |
| Net operating income to assets | 0.5219% | 4,173 |
| Return on assets (ROA) | 0.5219% | 4,219 |
| Pretax return on assets | 0.5896% | 4,250 |
| Return on Equity (ROE) | 4.8734% | 4,149 |
| Retained earnings to average equity (ytd only) | 4.8734% | 3,234 |
| Net charge-offs to loans | 0.3855% | 219 |
| Credit loss provision to net charge-offs | 253.0233% | 960 |
| Earnings coverage of net charge-offs (x) | 4.8000% | 2,016 |
| Efficiency ratio | 61.4350% | 2,807 |
| Assets per employee ($millions) | 7.4460% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2464% | 2,694 |
| Loan loss allowance to noncurrent loans | 1,250.8929% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 3,756 |
| Noncurrent loans to loans | 0.0996% | 3,688 |
| Net loans and leases to total assets | 67.7620% | 1,479 |
| Net loans and leases to deposits | 76.3563% | 1,785 |
| Net loans and leases to core deposits | 80.3752% | 1,856 |
| Total domestic deposits to total assets | 88.7445% | 1,419 |
| Equity capital to assets | 11.0003% | 1,972 |
| Core capital (leverage) ratio | 11.0241% | 1,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $165,549,333 | 3,380 |
| Average earning assets | $132,050,000 | 3,607 |
| Average equity | $17,729,000 | 3,452 |
| Average total loans | $111,534,333 | 3,105 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1836% | 1,228 |
| Cost of funding earning assets | 0.5370% | 1,177 |
| Net interest margin | 3.6466% | 1,455 |
| Noninterest income to average assets | 0.3557% | 3,307 |
| Noninterest expense to average assets | 1.9277% | 3,920 |
| Loan and lease loss provision to assets | 1.3076% | 27 |
| Net operating income to assets | 0.0240% | 4,765 |
| Return on assets (ROA) | 0.0240% | 4,774 |
| Pretax return on assets | 0.0096% | 4,781 |
| Return on Equity (ROE) | 0.2275% | 4,771 |
| Retained earnings to average equity (ytd only) | 0.2275% | 4,342 |
| Net charge-offs to loans | -0.0072% | 3,532 |
| Credit loss provision to net charge-offs | -27,200.0000% | 3,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4074% | 3,098 |
| Assets per employee ($millions) | 7.8475% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4438% | 1,795 |
| Loan loss allowance to noncurrent loans | 488.5196% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 3,152 |
| Noncurrent loans to loans | 0.2955% | 3,041 |
| Net loans and leases to total assets | 66.9806% | 1,666 |
| Net loans and leases to deposits | 75.2157% | 1,991 |
| Net loans and leases to core deposits | 79.1314% | 2,084 |
| Total domestic deposits to total assets | 89.0514% | 1,320 |
| Equity capital to assets | 10.6737% | 2,110 |
| Core capital (leverage) ratio | 10.5935% | 2,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $166,417,500 | 3,374 |
| Average earning assets | $131,848,500 | 3,611 |
| Average equity | $17,583,500 | 3,464 |
| Average total loans | $111,099,500 | 3,116 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3136% | 1,834 |
| Cost of funding earning assets | 0.7155% | 1,642 |
| Net interest margin | 3.5981% | 2,150 |
| Noninterest income to average assets | 0.3978% | 3,100 |
| Noninterest expense to average assets | 2.1297% | 3,871 |
| Loan and lease loss provision to assets | 1.4838% | 45 |
| Net operating income to assets | 0.0104% | 4,727 |
| Return on assets (ROA) | 0.0104% | 4,765 |
| Pretax return on assets | -0.0332% | 4,777 |
| Return on Equity (ROE) | 0.0911% | 4,764 |
| Retained earnings to average equity (ytd only) | 0.0911% | 4,492 |
| Net charge-offs to loans | 1.9658% | 45 |
| Credit loss provision to net charge-offs | 102.3350% | 2,788 |
| Earnings coverage of net charge-offs (x) | 1.0004% | 3,292 |
| Efficiency ratio | 59.4835% | 3,520 |
| Assets per employee ($millions) | 7.6381% | 1,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9728% | 3,970 |
| Loan loss allowance to noncurrent loans | 306.2857% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.2083% | 3,249 |
| Noncurrent loans to loans | 0.3176% | 3,064 |
| Net loans and leases to total assets | 64.9425% | 2,236 |
| Net loans and leases to deposits | 72.7607% | 2,610 |
| Net loans and leases to core deposits | 78.3521% | 2,531 |
| Total domestic deposits to total assets | 89.2548% | 874 |
| Equity capital to assets | 10.4601% | 2,706 |
| Core capital (leverage) ratio | 10.8364% | 1,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $153,590,200 | 3,361 |
| Average earning assets | $135,849,800 | 3,433 |
| Average equity | $17,567,600 | 3,411 |
| Average total loans | $113,286,000 | 3,049 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2965% | 2,105 |
| Cost of funding earning assets | 0.7454% | 1,773 |
| Net interest margin | 3.5511% | 2,419 |
| Noninterest income to average assets | 0.2409% | 4,043 |
| Noninterest expense to average assets | 2.1798% | 3,728 |
| Loan and lease loss provision to assets | 1.2622% | 81 |
| Net operating income to assets | 0.0853% | 4,716 |
| Return on assets (ROA) | 0.0853% | 4,741 |
| Pretax return on assets | 0.0427% | 4,762 |
| Return on Equity (ROE) | 0.7287% | 4,734 |
| Retained earnings to average equity (ytd only) | 0.7287% | 4,327 |
| Net charge-offs to loans | 1.7020% | 63 |
| Credit loss provision to net charge-offs | 97.5275% | 2,653 |
| Earnings coverage of net charge-offs (x) | 1.0082% | 3,099 |
| Efficiency ratio | 62.5510% | 2,984 |
| Assets per employee ($millions) | 7.3455% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8436% | 4,244 |
| Loan loss allowance to noncurrent loans | 80.7882% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 0.7537% | 1,542 |
| Noncurrent loans to loans | 1.0442% | 1,430 |
| Net loans and leases to total assets | 71.5749% | 1,730 |
| Net loans and leases to deposits | 80.7671% | 2,230 |
| Net loans and leases to core deposits | 87.7866% | 2,166 |
| Total domestic deposits to total assets | 88.6188% | 932 |
| Equity capital to assets | 10.9189% | 2,458 |
| Core capital (leverage) ratio | 11.2989% | 1,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $149,978,250 | 3,390 |
| Average earning assets | $137,006,750 | 3,399 |
| Average equity | $17,565,250 | 3,411 |
| Average total loans | $114,057,500 | 3,055 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3539% | 2,329 |
| Cost of funding earning assets | 0.7943% | 1,854 |
| Net interest margin | 3.5596% | 2,613 |
| Noninterest income to average assets | 0.2354% | 4,067 |
| Noninterest expense to average assets | 2.2272% | 3,707 |
| Loan and lease loss provision to assets | 1.2690% | 128 |
| Net operating income to assets | 0.0945% | 4,696 |
| Return on assets (ROA) | 0.0945% | 4,725 |
| Pretax return on assets | 0.0643% | 4,747 |
| Return on Equity (ROE) | 0.7868% | 4,709 |
| Retained earnings to average equity (ytd only) | 0.7868% | 4,140 |
| Net charge-offs to loans | 1.7245% | 78 |
| Credit loss provision to net charge-offs | 94.9795% | 2,441 |
| Earnings coverage of net charge-offs (x) | 0.9980% | 2,895 |
| Efficiency ratio | 62.5529% | 3,038 |
| Assets per employee ($millions) | 6.7333% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8333% | 4,245 |
| Loan loss allowance to noncurrent loans | 72.3547% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.8666% | 1,430 |
| Noncurrent loans to loans | 1.1517% | 1,370 |
| Net loans and leases to total assets | 74.6169% | 1,328 |
| Net loans and leases to deposits | 84.6076% | 1,927 |
| Net loans and leases to core deposits | 92.3385% | 1,872 |
| Total domestic deposits to total assets | 88.1918% | 1,088 |
| Equity capital to assets | 11.3685% | 2,065 |
| Core capital (leverage) ratio | 11.7419% | 1,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $146,104,333 | 3,417 |
| Average earning assets | $136,475,667 | 3,396 |
| Average equity | $17,538,667 | 3,413 |
| Average total loans | $113,193,667 | 3,055 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4506% | 2,446 |
| Cost of funding earning assets | 0.8647% | 2,032 |
| Net interest margin | 3.5860% | 2,714 |
| Noninterest income to average assets | 0.2145% | 4,264 |
| Noninterest expense to average assets | 2.4386% | 3,452 |
| Loan and lease loss provision to assets | 1.0584% | 195 |
| Net operating income to assets | 0.1355% | 4,615 |
| Return on assets (ROA) | 0.1355% | 4,619 |
| Pretax return on assets | 0.1355% | 4,635 |
| Return on Equity (ROE) | 1.0968% | 4,615 |
| Retained earnings to average equity (ytd only) | 1.0968% | 3,716 |
| Net charge-offs to loans | -0.0036% | 3,763 |
| Credit loss provision to net charge-offs | -37,500.0000% | 4,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1329% | 2,802 |
| Assets per employee ($millions) | 7.0152% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2576% | 2,353 |
| Loan loss allowance to noncurrent loans | 60.1206% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 1.6550% | 605 |
| Noncurrent loans to loans | 2.0919% | 660 |
| Net loans and leases to total assets | 78.1209% | 963 |
| Net loans and leases to deposits | 89.5181% | 1,570 |
| Net loans and leases to core deposits | 98.7326% | 1,573 |
| Total domestic deposits to total assets | 87.2683% | 1,438 |
| Equity capital to assets | 12.4830% | 1,745 |
| Core capital (leverage) ratio | 12.2320% | 1,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $141,723,000 | 3,439 |
| Average earning assets | $135,082,500 | 3,381 |
| Average equity | $17,505,000 | 3,420 |
| Average total loans | $111,526,500 | 3,064 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7023% | 2,320 |
| Cost of funding earning assets | 0.9643% | 1,887 |
| Net interest margin | 3.7380% | 2,702 |
| Noninterest income to average assets | 0.2349% | 4,273 |
| Noninterest expense to average assets | 2.2191% | 4,125 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1929% | 2,086 |
| Return on assets (ROA) | 1.1929% | 2,180 |
| Pretax return on assets | 1.5563% | 1,634 |
| Return on Equity (ROE) | 10.1220% | 2,243 |
| Retained earnings to average equity (ytd only) | 10.1220% | 467 |
| Net charge-offs to loans | -0.0295% | 4,708 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7782% | 3,870 |
| Assets per employee ($millions) | 6.2236% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9103% | 3,914 |
| Loan loss allowance to noncurrent loans | 43.3858% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.6424% | 581 |
| Noncurrent loans to loans | 2.0982% | 602 |
| Net loans and leases to total assets | 77.5665% | 1,145 |
| Net loans and leases to deposits | 88.6475% | 1,752 |
| Net loans and leases to core deposits | 99.7189% | 1,586 |
| Total domestic deposits to total assets | 87.4999% | 1,365 |
| Equity capital to assets | 12.2227% | 1,997 |
| Core capital (leverage) ratio | 12.4843% | 1,492 |
| Tier 1 risk-based capital ratio | 14.7116% | 2,903 |
| Total risk-based capital ratio | 15.5627% | 3,027 |
| Memoranda: |
| Average total assets | $140,914,600 | 3,424 |
| Average earning assets | $133,466,800 | 3,376 |
| Average equity | $16,607,400 | 3,480 |
| Average total loans | $111,820,600 | 3,057 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7805% | 2,177 |
| Cost of funding earning assets | 0.9798% | 1,846 |
| Net interest margin | 3.8007% | 2,592 |
| Noninterest income to average assets | 0.2223% | 4,400 |
| Noninterest expense to average assets | 2.2371% | 4,104 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2102% | 2,161 |
| Return on assets (ROA) | 1.2102% | 2,235 |
| Pretax return on assets | 1.5816% | 1,695 |
| Return on Equity (ROE) | 10.3668% | 2,265 |
| Retained earnings to average equity (ytd only) | 10.3668% | 661 |
| Net charge-offs to loans | -0.0370% | 4,766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5821% | 3,853 |
| Assets per employee ($millions) | 6.4754% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8842% | 4,113 |
| Loan loss allowance to noncurrent loans | 917.1171% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 4,328 |
| Noncurrent loans to loans | 0.0964% | 4,214 |
| Net loans and leases to total assets | 80.1071% | 829 |
| Net loans and leases to deposits | 91.4716% | 1,508 |
| Net loans and leases to core deposits | 103.4099% | 1,378 |
| Total domestic deposits to total assets | 87.5760% | 1,228 |
| Equity capital to assets | 11.9853% | 2,269 |
| Core capital (leverage) ratio | 12.2718% | 1,693 |
| Tier 1 risk-based capital ratio | 14.9594% | 2,866 |
| Total risk-based capital ratio | 15.8436% | 2,957 |
| Memoranda: |
| Average total assets | $140,357,500 | 3,469 |
| Average earning assets | $132,813,500 | 3,415 |
| Average equity | $16,385,250 | 3,534 |
| Average total loans | $111,763,000 | 3,087 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7808% | 2,124 |
| Cost of funding earning assets | 0.9786% | 1,799 |
| Net interest margin | 3.8022% | 2,584 |
| Noninterest income to average assets | 0.2306% | 4,375 |
| Noninterest expense to average assets | 2.2784% | 4,061 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1815% | 2,216 |
| Return on assets (ROA) | 1.1815% | 2,284 |
| Pretax return on assets | 1.5409% | 1,728 |
| Return on Equity (ROE) | 10.2131% | 2,286 |
| Retained earnings to average equity (ytd only) | 10.2131% | 700 |
| Net charge-offs to loans | -0.0542% | 4,845 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6550% | 3,784 |
| Assets per employee ($millions) | 5.9963% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9327% | 3,954 |
| Loan loss allowance to noncurrent loans | 916.2162% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.0805% | 4,358 |
| Noncurrent loans to loans | 0.1018% | 4,216 |
| Net loans and leases to total assets | 78.3214% | 1,162 |
| Net loans and leases to deposits | 89.3352% | 1,819 |
| Net loans and leases to core deposits | 101.6544% | 1,585 |
| Total domestic deposits to total assets | 87.6714% | 1,258 |
| Equity capital to assets | 12.0378% | 2,155 |
| Core capital (leverage) ratio | 12.1492% | 1,724 |
| Tier 1 risk-based capital ratio | 14.5690% | 3,033 |
| Total risk-based capital ratio | 15.4522% | 3,126 |
| Memoranda: |
| Average total assets | $139,657,330 | 3,498 |
| Average earning assets | $131,817,670 | 3,448 |
| Average equity | $16,155,670 | 3,553 |
| Average total loans | $110,638,330 | 3,124 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7664% | 2,004 |
| Cost of funding earning assets | 0.9988% | 1,566 |
| Net interest margin | 3.7676% | 2,640 |
| Noninterest income to average assets | 0.2135% | 4,465 |
| Noninterest expense to average assets | 2.2885% | 4,053 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1186% | 2,398 |
| Return on assets (ROA) | 1.1186% | 2,447 |
| Pretax return on assets | 1.4574% | 1,895 |
| Return on Equity (ROE) | 9.8666% | 2,424 |
| Retained earnings to average equity (ytd only) | 9.8666% | 1,068 |
| Net charge-offs to loans | -0.1005% | 5,031 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0942% | 3,667 |
| Assets per employee ($millions) | 6.0574% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9146% | 4,104 |
| Loan loss allowance to noncurrent loans | 914.4144% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 4,406 |
| Noncurrent loans to loans | 0.1000% | 4,292 |
| Net loans and leases to total assets | 78.9271% | 1,000 |
| Net loans and leases to deposits | 89.5981% | 1,675 |
| Net loans and leases to core deposits | 101.7366% | 1,485 |
| Total domestic deposits to total assets | 88.0901% | 1,290 |
| Equity capital to assets | 11.5876% | 2,319 |
| Core capital (leverage) ratio | 11.6332% | 2,029 |
| Tier 1 risk-based capital ratio | 14.0281% | 3,331 |
| Total risk-based capital ratio | 14.8993% | 3,431 |
| Memoranda: |
| Average total assets | $140,528,500 | 3,525 |
| Average earning assets | $131,756,000 | 3,490 |
| Average equity | $15,932,500 | 3,588 |
| Average total loans | $111,440,500 | 3,144 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7054% | 1,807 |
| Cost of funding earning assets | 0.7280% | 1,920 |
| Net interest margin | 3.9774% | 2,069 |
| Noninterest income to average assets | 0.2457% | 4,449 |
| Noninterest expense to average assets | 2.2830% | 4,161 |
| Loan and lease loss provision to assets | 0.1039% | 2,118 |
| Net operating income to assets | 1.2177% | 2,095 |
| Return on assets (ROA) | 1.2177% | 2,085 |
| Pretax return on assets | 1.6287% | 1,385 |
| Return on Equity (ROE) | 10.7817% | 2,170 |
| Retained earnings to average equity (ytd only) | 10.7817% | 474 |
| Net charge-offs to loans | 0.1517% | 1,261 |
| Credit loss provision to net charge-offs | 84.0491% | 2,800 |
| Earnings coverage of net charge-offs (x) | 14.0184% | 2,405 |
| Efficiency ratio | 56.8542% | 4,303 |
| Assets per employee ($millions) | 6.1624% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8820% | 4,241 |
| Loan loss allowance to noncurrent loans | 889.1892% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 4,426 |
| Noncurrent loans to loans | 0.0992% | 4,286 |
| Net loans and leases to total assets | 78.2561% | 1,235 |
| Net loans and leases to deposits | 88.3238% | 2,010 |
| Net loans and leases to core deposits | 99.8362% | 1,728 |
| Total domestic deposits to total assets | 88.6013% | 1,028 |
| Equity capital to assets | 11.0917% | 2,601 |
| Core capital (leverage) ratio | 11.7900% | 1,882 |
| Tier 1 risk-based capital ratio | 13.6517% | 3,460 |
| Total risk-based capital ratio | 14.4965% | 3,582 |
| Memoranda: |
| Average total assets | $131,885,000 | 3,628 |
| Average earning assets | $125,006,000 | 3,577 |
| Average equity | $14,895,600 | 3,654 |
| Average total loans | $107,447,200 | 3,182 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6496% | 1,835 |
| Cost of funding earning assets | 0.6570% | 2,109 |
| Net interest margin | 3.9926% | 1,980 |
| Noninterest income to average assets | 0.2472% | 4,497 |
| Noninterest expense to average assets | 2.3035% | 4,093 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3094% | 1,817 |
| Return on assets (ROA) | 1.3094% | 1,822 |
| Pretax return on assets | 1.7688% | 1,092 |
| Return on Equity (ROE) | 11.5365% | 1,975 |
| Retained earnings to average equity (ytd only) | 11.5365% | 550 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5646% | 4,306 |
| Assets per employee ($millions) | 5.7365% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9251% | 4,161 |
| Loan loss allowance to noncurrent loans | 377.9851% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 3,926 |
| Noncurrent loans to loans | 0.2448% | 3,817 |
| Net loans and leases to total assets | 82.2215% | 675 |
| Net loans and leases to deposits | 95.8542% | 1,173 |
| Net loans and leases to core deposits | 109.6308% | 1,059 |
| Total domestic deposits to total assets | 85.7776% | 2,292 |
| Equity capital to assets | 11.6371% | 2,154 |
| Core capital (leverage) ratio | 11.8567% | 1,874 |
| Tier 1 risk-based capital ratio | 13.7925% | 3,466 |
| Total risk-based capital ratio | 14.6872% | 3,580 |
| Memoranda: |
| Average total assets | $129,422,250 | 3,688 |
| Average earning assets | $123,992,500 | 3,621 |
| Average equity | $14,689,250 | 3,699 |
| Average total loans | $106,333,000 | 3,224 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6028% | 1,775 |
| Cost of funding earning assets | 0.6129% | 2,148 |
| Net interest margin | 3.9898% | 1,897 |
| Noninterest income to average assets | 0.2504% | 4,511 |
| Noninterest expense to average assets | 2.3471% | 4,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2490% | 1,986 |
| Return on assets (ROA) | 1.2490% | 1,985 |
| Pretax return on assets | 1.7203% | 1,166 |
| Return on Equity (ROE) | 11.1006% | 2,071 |
| Retained earnings to average equity (ytd only) | 11.1006% | 647 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7055% | 4,283 |
| Assets per employee ($millions) | 5.4694% | 1,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9398% | 4,159 |
| Loan loss allowance to noncurrent loans | 377.9851% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.2042% | 3,984 |
| Noncurrent loans to loans | 0.2486% | 3,809 |
| Net loans and leases to total assets | 81.3463% | 801 |
| Net loans and leases to deposits | 93.6231% | 1,400 |
| Net loans and leases to core deposits | 103.8696% | 1,408 |
| Total domestic deposits to total assets | 86.8869% | 1,888 |
| Equity capital to assets | 11.3350% | 2,325 |
| Core capital (leverage) ratio | 11.4198% | 2,141 |
| Tier 1 risk-based capital ratio | 13.5239% | 3,601 |
| Total risk-based capital ratio | 14.4283% | 3,722 |
| Memoranda: |
| Average total assets | $128,583,000 | 3,722 |
| Average earning assets | $123,012,670 | 3,657 |
| Average equity | $14,467,670 | 3,749 |
| Average total loans | $105,278,670 | 3,244 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5298% | 1,781 |
| Cost of funding earning assets | 0.5757% | 2,201 |
| Net interest margin | 3.9541% | 1,861 |
| Noninterest income to average assets | 0.2358% | 4,596 |
| Noninterest expense to average assets | 2.3326% | 4,107 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1411% | 2,253 |
| Return on assets (ROA) | 1.1411% | 2,267 |
| Pretax return on assets | 1.6818% | 1,165 |
| Return on Equity (ROE) | 10.1809% | 2,341 |
| Retained earnings to average equity (ytd only) | 10.1809% | 1,108 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1049% | 4,324 |
| Assets per employee ($millions) | 5.5546% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9606% | 4,171 |
| Loan loss allowance to noncurrent loans | 544.6237% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 4,356 |
| Noncurrent loans to loans | 0.1764% | 4,183 |
| Net loans and leases to total assets | 81.7487% | 693 |
| Net loans and leases to deposits | 93.1210% | 1,317 |
| Net loans and leases to core deposits | 105.5644% | 1,271 |
| Total domestic deposits to total assets | 87.7876% | 1,739 |
| Equity capital to assets | 11.2864% | 2,314 |
| Core capital (leverage) ratio | 11.5125% | 2,001 |
| Tier 1 risk-based capital ratio | 13.4661% | 3,675 |
| Total risk-based capital ratio | 14.3936% | 3,785 |
| Memoranda: |
| Average total assets | $127,241,500 | 3,775 |
| Average earning assets | $121,594,000 | 3,723 |
| Average equity | $14,262,000 | 3,798 |
| Average total loans | $104,021,500 | 3,288 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4783% | 1,789 |
| Cost of funding earning assets | 0.5326% | 2,088 |
| Net interest margin | 3.9457% | 1,930 |
| Noninterest income to average assets | 0.3400% | 4,037 |
| Noninterest expense to average assets | 2.2798% | 4,389 |
| Loan and lease loss provision to assets | 0.0606% | 3,025 |
| Net operating income to assets | 1.1799% | 1,584 |
| Return on assets (ROA) | 1.1799% | 1,605 |
| Pretax return on assets | 1.7629% | 871 |
| Return on Equity (ROE) | 10.9537% | 1,504 |
| Retained earnings to average equity (ytd only) | 10.9537% | 253 |
| Net charge-offs to loans | 0.0904% | 2,183 |
| Credit loss provision to net charge-offs | 83.3333% | 2,892 |
| Earnings coverage of net charge-offs (x) | 25.0889% | 1,729 |
| Efficiency ratio | 55.5599% | 4,805 |
| Assets per employee ($millions) | 5.7604% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9874% | 4,019 |
| Loan loss allowance to noncurrent loans | 541.7112% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 4,403 |
| Noncurrent loans to loans | 0.1823% | 4,189 |
| Net loans and leases to total assets | 80.1551% | 938 |
| Net loans and leases to deposits | 90.4396% | 1,717 |
| Net loans and leases to core deposits | 95.7308% | 2,051 |
| Total domestic deposits to total assets | 88.6284% | 1,177 |
| Equity capital to assets | 11.1301% | 2,508 |
| Core capital (leverage) ratio | 10.9936% | 2,344 |
| Tier 1 risk-based capital ratio | 12.9277% | 3,948 |
| Total risk-based capital ratio | 13.8722% | 4,023 |
| Memoranda: |
| Average total assets | $123,829,200 | 3,840 |
| Average earning assets | $118,103,800 | 3,783 |
| Average equity | $13,338,000 | 3,938 |
| Average total loans | $99,545,800 | 3,360 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4541% | 1,776 |
| Cost of funding earning assets | 0.5307% | 2,027 |
| Net interest margin | 3.9234% | 1,959 |
| Noninterest income to average assets | 0.3769% | 3,834 |
| Noninterest expense to average assets | 2.2073% | 4,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2932% | 1,359 |
| Return on assets (ROA) | 1.2932% | 1,393 |
| Pretax return on assets | 1.9170% | 659 |
| Return on Equity (ROE) | 12.1096% | 1,313 |
| Retained earnings to average equity (ytd only) | 12.1096% | 286 |
| Net charge-offs to loans | 0.1215% | 1,577 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 19.6662% | 1,988 |
| Efficiency ratio | 53.5189% | 4,968 |
| Assets per employee ($millions) | 5.9400% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9204% | 4,461 |
| Loan loss allowance to noncurrent loans | 504.3011% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 4,518 |
| Noncurrent loans to loans | 0.1825% | 4,336 |
| Net loans and leases to total assets | 80.9482% | 851 |
| Net loans and leases to deposits | 91.3966% | 1,637 |
| Net loans and leases to core deposits | 100.2353% | 1,684 |
| Total domestic deposits to total assets | 88.5681% | 1,090 |
| Equity capital to assets | 11.0863% | 2,775 |
| Core capital (leverage) ratio | 10.8523% | 2,595 |
| Tier 1 risk-based capital ratio | 12.7769% | 4,151 |
| Total risk-based capital ratio | 13.6593% | 4,284 |
| Memoranda: |
| Average total assets | $123,104,500 | 3,886 |
| Average earning assets | $117,581,000 | 3,830 |
| Average equity | $13,146,250 | 4,006 |
| Average total loans | $98,784,250 | 3,401 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3097% | 2,092 |
| Cost of funding earning assets | 0.5083% | 2,104 |
| Net interest margin | 3.8014% | 2,280 |
| Noninterest income to average assets | 0.2317% | 4,848 |
| Noninterest expense to average assets | 2.2585% | 4,444 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0982% | 1,982 |
| Return on assets (ROA) | 1.0982% | 2,040 |
| Pretax return on assets | 1.5976% | 1,352 |
| Return on Equity (ROE) | 10.4190% | 1,876 |
| Retained earnings to average equity (ytd only) | 10.4190% | 520 |
| Net charge-offs to loans | 0.1289% | 1,391 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 15.5397% | 2,022 |
| Efficiency ratio | 58.5696% | 4,522 |
| Assets per employee ($millions) | 6.0263% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9348% | 4,492 |
| Loan loss allowance to noncurrent loans | 615.2866% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 4,573 |
| Noncurrent loans to loans | 0.1519% | 4,506 |
| Net loans and leases to total assets | 80.8901% | 821 |
| Net loans and leases to deposits | 93.2144% | 1,342 |
| Net loans and leases to core deposits | 105.7117% | 1,255 |
| Total domestic deposits to total assets | 86.7786% | 2,052 |
| Equity capital to assets | 10.5048% | 3,335 |
| Core capital (leverage) ratio | 10.6699% | 2,739 |
| Tier 1 risk-based capital ratio | 12.1840% | 4,501 |
| Total risk-based capital ratio | 13.0871% | 4,627 |
| Memoranda: |
| Average total assets | $122,559,670 | 3,917 |
| Average earning assets | $116,852,670 | 3,858 |
| Average equity | $12,918,670 | 4,049 |
| Average total loans | $97,741,670 | 3,432 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2866% | 1,992 |
| Cost of funding earning assets | 0.4953% | 2,126 |
| Net interest margin | 3.7913% | 2,144 |
| Noninterest income to average assets | 0.1991% | 5,075 |
| Noninterest expense to average assets | 2.3556% | 4,246 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0119% | 2,256 |
| Return on assets (ROA) | 1.0119% | 2,309 |
| Pretax return on assets | 1.4499% | 1,697 |
| Return on Equity (ROE) | 9.5829% | 2,153 |
| Retained earnings to average equity (ytd only) | 9.5829% | 908 |
| Net charge-offs to loans | 0.2528% | 714 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 7.2833% | 2,150 |
| Efficiency ratio | 61.9006% | 4,162 |
| Assets per employee ($millions) | 4.9623% | 2,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0084% | 4,229 |
| Loan loss allowance to noncurrent loans | 717.7778% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 4,701 |
| Noncurrent loans to loans | 0.1405% | 4,632 |
| Net loans and leases to total assets | 79.8730% | 847 |
| Net loans and leases to deposits | 91.1944% | 1,406 |
| Net loans and leases to core deposits | 95.2183% | 1,872 |
| Total domestic deposits to total assets | 87.5854% | 1,951 |
| Equity capital to assets | 10.8259% | 2,829 |
| Core capital (leverage) ratio | 10.9269% | 2,441 |
| Tier 1 risk-based capital ratio | 13.2513% | 3,908 |
| Total risk-based capital ratio | 14.2250% | 3,992 |
| Memoranda: |
| Average total assets | $120,563,500 | 3,988 |
| Average earning assets | $114,684,000 | 3,935 |
| Average equity | $12,731,000 | 4,102 |
| Average total loans | $94,945,500 | 3,502 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2486% | 2,317 |
| Cost of funding earning assets | 0.5111% | 2,002 |
| Net interest margin | 3.7375% | 2,548 |
| Noninterest income to average assets | 0.2981% | 4,605 |
| Noninterest expense to average assets | 2.4920% | 4,037 |
| Loan and lease loss provision to assets | 0.0679% | 3,013 |
| Net operating income to assets | 0.8632% | 3,010 |
| Return on assets (ROA) | 0.8715% | 3,083 |
| Pretax return on assets | 1.2656% | 2,416 |
| Return on Equity (ROE) | 8.5100% | 2,668 |
| Retained earnings to average equity (ytd only) | 8.5100% | 698 |
| Net charge-offs to loans | 0.0011% | 4,243 |
| Credit loss provision to net charge-offs | 8,000.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 1,556.0000% | 36 |
| Efficiency ratio | 65.3452% | 3,702 |
| Assets per employee ($millions) | 5.0847% | 2,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1109% | 3,649 |
| Loan loss allowance to noncurrent loans | 477.9817% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.2049% | 4,502 |
| Noncurrent loans to loans | 0.2324% | 4,320 |
| Net loans and leases to total assets | 76.0089% | 1,511 |
| Net loans and leases to deposits | 84.9499% | 2,313 |
| Net loans and leases to core deposits | 87.8921% | 2,689 |
| Total domestic deposits to total assets | 89.4750% | 873 |
| Equity capital to assets | 10.2997% | 3,387 |
| Core capital (leverage) ratio | 10.9714% | 2,368 |
| Tier 1 risk-based capital ratio | 13.1229% | 3,985 |
| Total risk-based capital ratio | 14.1843% | 4,014 |
| Memoranda: |
| Average total assets | $117,734,600 | 4,034 |
| Average earning assets | $110,741,400 | 3,997 |
| Average equity | $12,056,400 | 4,244 |
| Average total loans | $88,133,400 | 3,615 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2340% | 2,398 |
| Cost of funding earning assets | 0.5192% | 1,943 |
| Net interest margin | 3.7147% | 2,664 |
| Noninterest income to average assets | 0.3177% | 4,498 |
| Noninterest expense to average assets | 2.4789% | 4,045 |
| Loan and lease loss provision to assets | 0.0571% | 3,100 |
| Net operating income to assets | 0.9052% | 2,877 |
| Return on assets (ROA) | 0.9166% | 2,947 |
| Pretax return on assets | 1.2892% | 2,475 |
| Return on Equity (ROE) | 8.9645% | 2,507 |
| Retained earnings to average equity (ytd only) | 8.9645% | 829 |
| Net charge-offs to loans | 0.0031% | 3,825 |
| Credit loss provision to net charge-offs | 2,500.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 581.2584% | 156 |
| Efficiency ratio | 65.0765% | 3,751 |
| Assets per employee ($millions) | 4.9871% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1279% | 3,685 |
| Loan loss allowance to noncurrent loans | 643.9490% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.1796% | 4,724 |
| Noncurrent loans to loans | 0.1751% | 4,646 |
| Net loans and leases to total assets | 77.2674% | 1,314 |
| Net loans and leases to deposits | 86.9098% | 2,154 |
| Net loans and leases to core deposits | 90.1699% | 2,563 |
| Total domestic deposits to total assets | 88.9053% | 956 |
| Equity capital to assets | 10.7765% | 3,271 |
| Core capital (leverage) ratio | 10.9259% | 2,532 |
| Tier 1 risk-based capital ratio | 13.5697% | 3,820 |
| Total risk-based capital ratio | 14.6545% | 3,829 |
| Memoranda: |
| Average total assets | $116,660,000 | 4,078 |
| Average earning assets | $109,650,250 | 4,034 |
| Average equity | $11,928,250 | 4,299 |
| Average total loans | $86,717,250 | 3,663 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1855% | 2,560 |
| Cost of funding earning assets | 0.5177% | 1,952 |
| Net interest margin | 3.6678% | 2,831 |
| Noninterest income to average assets | 0.2302% | 5,108 |
| Noninterest expense to average assets | 2.4567% | 4,156 |
| Loan and lease loss provision to assets | 0.0852% | 2,446 |
| Net operating income to assets | 0.8214% | 3,209 |
| Return on assets (ROA) | 0.8388% | 3,273 |
| Pretax return on assets | 1.1542% | 2,971 |
| Return on Equity (ROE) | 8.3503% | 2,815 |
| Retained earnings to average equity (ytd only) | 8.3503% | 1,057 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8988% | 3,552 |
| Assets per employee ($millions) | 4.4143% | 3,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1396% | 3,721 |
| Loan loss allowance to noncurrent loans | 360.1423% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.2875% | 4,344 |
| Noncurrent loans to loans | 0.3164% | 4,230 |
| Net loans and leases to total assets | 76.4899% | 1,414 |
| Net loans and leases to deposits | 85.7247% | 2,281 |
| Net loans and leases to core deposits | 88.6892% | 2,667 |
| Total domestic deposits to total assets | 89.2273% | 796 |
| Equity capital to assets | 10.4895% | 3,640 |
| Core capital (leverage) ratio | 10.7106% | 2,733 |
| Tier 1 risk-based capital ratio | 13.6521% | 3,798 |
| Total risk-based capital ratio | 14.7709% | 3,796 |
| Memoranda: |
| Average total assets | $117,312,330 | 4,100 |
| Average earning assets | $110,093,670 | 4,054 |
| Average equity | $11,784,000 | 4,354 |
| Average total loans | $85,743,330 | 3,699 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1364% | 2,702 |
| Cost of funding earning assets | 0.5211% | 1,934 |
| Net interest margin | 3.6153% | 3,025 |
| Noninterest income to average assets | 0.1822% | 5,408 |
| Noninterest expense to average assets | 2.3039% | 4,653 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9303% | 2,601 |
| Return on assets (ROA) | 0.9647% | 2,551 |
| Pretax return on assets | 1.3189% | 2,228 |
| Return on Equity (ROE) | 9.8143% | 2,070 |
| Retained earnings to average equity (ytd only) | 9.8143% | 893 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4340% | 4,054 |
| Assets per employee ($millions) | 4.8420% | 2,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1425% | 3,820 |
| Loan loss allowance to noncurrent loans | 770.4000% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 4,976 |
| Noncurrent loans to loans | 0.1483% | 4,877 |
| Net loans and leases to total assets | 71.7031% | 2,086 |
| Net loans and leases to deposits | 80.0207% | 2,785 |
| Net loans and leases to core deposits | 83.0053% | 3,045 |
| Total domestic deposits to total assets | 89.6056% | 782 |
| Equity capital to assets | 10.1569% | 3,890 |
| Core capital (leverage) ratio | 10.2479% | 3,259 |
| Tier 1 risk-based capital ratio | 13.9004% | 3,755 |
| Total risk-based capital ratio | 15.0028% | 3,772 |
| Memoranda: |
| Average total assets | $118,582,500 | 4,105 |
| Average earning assets | $111,304,500 | 4,066 |
| Average equity | $11,656,500 | 4,394 |
| Average total loans | $84,214,500 | 3,750 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1239% | 2,833 |
| Cost of funding earning assets | 0.5863% | 1,458 |
| Net interest margin | 3.5375% | 3,388 |
| Noninterest income to average assets | 0.2779% | 4,897 |
| Noninterest expense to average assets | 2.2701% | 4,877 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9768% | 2,480 |
| Return on assets (ROA) | 0.9899% | 2,508 |
| Pretax return on assets | 1.2941% | 2,310 |
| Return on Equity (ROE) | 11.0331% | 1,603 |
| Retained earnings to average equity (ytd only) | 11.0331% | 344 |
| Net charge-offs to loans | 0.0866% | 2,592 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 22.1857% | 1,784 |
| Efficiency ratio | 64.0009% | 4,263 |
| Assets per employee ($millions) | 5.0399% | 2,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1445% | 3,783 |
| Loan loss allowance to noncurrent loans | 764.2857% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 4,802 |
| Noncurrent loans to loans | 0.1497% | 4,896 |
| Net loans and leases to total assets | 68.7668% | 2,578 |
| Net loans and leases to deposits | 77.5924% | 3,089 |
| Net loans and leases to core deposits | 80.1416% | 3,331 |
| Total domestic deposits to total assets | 88.6258% | 1,320 |
| Equity capital to assets | 9.5157% | 4,533 |
| Core capital (leverage) ratio | 10.0111% | 3,492 |
| Tier 1 risk-based capital ratio | 13.4639% | 4,024 |
| Total risk-based capital ratio | 14.5574% | 4,049 |
| Memoranda: |
| Average total assets | $121,625,600 | 4,042 |
| Average earning assets | $112,394,400 | 4,030 |
| Average equity | $10,912,600 | 4,496 |
| Average total loans | $80,841,000 | 3,801 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1143% | 2,880 |
| Cost of funding earning assets | 0.6050% | 1,376 |
| Net interest margin | 3.5093% | 3,500 |
| Noninterest income to average assets | 0.2879% | 4,882 |
| Noninterest expense to average assets | 2.2267% | 4,972 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9924% | 2,507 |
| Return on assets (ROA) | 1.0772% | 2,189 |
| Pretax return on assets | 1.4111% | 1,969 |
| Return on Equity (ROE) | 12.1893% | 1,322 |
| Retained earnings to average equity (ytd only) | 12.1893% | 346 |
| Net charge-offs to loans | 0.0550% | 2,817 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 35.9689% | 1,336 |
| Efficiency ratio | 63.1481% | 4,385 |
| Assets per employee ($millions) | 4.9939% | 2,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2623% | 3,293 |
| Loan loss allowance to noncurrent loans | 364.9635% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.2828% | 4,636 |
| Noncurrent loans to loans | 0.3459% | 4,375 |
| Net loans and leases to total assets | 65.2641% | 3,120 |
| Net loans and leases to deposits | 73.5374% | 3,595 |
| Net loans and leases to core deposits | 75.9707% | 3,807 |
| Total domestic deposits to total assets | 88.7496% | 1,153 |
| Equity capital to assets | 9.3456% | 4,942 |
| Core capital (leverage) ratio | 9.6512% | 4,103 |
| Tier 1 risk-based capital ratio | 14.0093% | 3,842 |
| Total risk-based capital ratio | 15.2132% | 3,807 |
| Memoranda: |
| Average total assets | $121,792,500 | 4,086 |
| Average earning assets | $112,385,000 | 4,077 |
| Average equity | $10,763,250 | 4,575 |
| Average total loans | $80,015,750 | 3,858 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1234% | 2,813 |
| Cost of funding earning assets | 0.6173% | 1,301 |
| Net interest margin | 3.5061% | 3,471 |
| Noninterest income to average assets | 0.3038% | 4,779 |
| Noninterest expense to average assets | 2.2231% | 5,043 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0086% | 2,345 |
| Return on assets (ROA) | 1.1385% | 1,891 |
| Pretax return on assets | 1.4669% | 1,743 |
| Return on Equity (ROE) | 13.1295% | 1,088 |
| Retained earnings to average equity (ytd only) | 13.1295% | 299 |
| Net charge-offs to loans | 0.0722% | 2,357 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 27.4483% | 1,450 |
| Efficiency ratio | 63.0969% | 4,503 |
| Assets per employee ($millions) | 5.2225% | 2,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2422% | 3,549 |
| Loan loss allowance to noncurrent loans | 446.2222% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.2414% | 4,912 |
| Noncurrent loans to loans | 0.2784% | 4,677 |
| Net loans and leases to total assets | 66.4497% | 2,876 |
| Net loans and leases to deposits | 73.2262% | 3,589 |
| Net loans and leases to core deposits | 75.8387% | 3,787 |
| Total domestic deposits to total assets | 90.7458% | 378 |
| Equity capital to assets | 8.9995% | 5,233 |
| Core capital (leverage) ratio | 9.3449% | 4,493 |
| Tier 1 risk-based capital ratio | 13.4423% | 4,251 |
| Total risk-based capital ratio | 14.6314% | 4,217 |
| Memoranda: |
| Average total assets | $122,439,000 | 4,108 |
| Average earning assets | $112,432,000 | 4,109 |
| Average equity | $10,617,330 | 4,633 |
| Average total loans | $80,280,670 | 3,869 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1250% | 2,727 |
| Cost of funding earning assets | 0.6349% | 1,204 |
| Net interest margin | 3.4901% | 3,477 |
| Noninterest income to average assets | 0.2104% | 5,450 |
| Noninterest expense to average assets | 2.1974% | 5,154 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9126% | 2,689 |
| Return on assets (ROA) | 0.9126% | 2,811 |
| Pretax return on assets | 1.1618% | 2,825 |
| Return on Equity (ROE) | 10.7214% | 1,727 |
| Retained earnings to average equity (ytd only) | 10.7214% | 770 |
| Net charge-offs to loans | 0.1400% | 1,408 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 12.8214% | 1,765 |
| Efficiency ratio | 65.4143% | 4,250 |
| Assets per employee ($millions) | 5.2622% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2689% | 3,589 |
| Loan loss allowance to noncurrent loans | 420.5021% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3500% | 4,605 |
| Noncurrent loans to loans | 0.3018% | 4,708 |
| Net loans and leases to total assets | 61.9155% | 3,377 |
| Net loans and leases to deposits | 67.7829% | 3,978 |
| Net loans and leases to core deposits | 70.0572% | 4,149 |
| Total domestic deposits to total assets | 91.3439% | 266 |
| Equity capital to assets | 8.4542% | 5,771 |
| Core capital (leverage) ratio | 8.7213% | 5,298 |
| Tier 1 risk-based capital ratio | 12.9792% | 4,614 |
| Total risk-based capital ratio | 14.1721% | 4,566 |
| Memoranda: |
| Average total assets | $123,599,500 | 4,111 |
| Average earning assets | $111,515,500 | 4,153 |
| Average equity | $10,521,000 | 4,691 |
| Average total loans | $80,010,000 | 3,886 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2752% | 2,694 |
| Cost of funding earning assets | 0.6737% | 1,251 |
| Net interest margin | 3.6015% | 3,408 |
| Noninterest income to average assets | 0.2617% | 5,264 |
| Noninterest expense to average assets | 2.3195% | 5,061 |
| Loan and lease loss provision to assets | 0.4158% | 420 |
| Net operating income to assets | 0.6857% | 3,966 |
| Return on assets (ROA) | 0.7656% | 3,643 |
| Pretax return on assets | 0.9375% | 3,751 |
| Return on Equity (ROE) | 9.1531% | 2,512 |
| Retained earnings to average equity (ytd only) | 9.1531% | 674 |
| Net charge-offs to loans | 0.6301% | 623 |
| Credit loss provision to net charge-offs | 98.0040% | 2,472 |
| Earnings coverage of net charge-offs (x) | 2.9601% | 4,018 |
| Efficiency ratio | 64.8745% | 4,423 |
| Assets per employee ($millions) | 5.4957% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2781% | 3,553 |
| Loan loss allowance to noncurrent loans | 965.4206% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.2564% | 5,004 |
| Noncurrent loans to loans | 0.1324% | 5,366 |
| Net loans and leases to total assets | 65.9909% | 2,884 |
| Net loans and leases to deposits | 72.3488% | 3,637 |
| Net loans and leases to core deposits | 74.8899% | 3,829 |
| Total domestic deposits to total assets | 91.2122% | 297 |
| Equity capital to assets | 8.5728% | 5,666 |
| Core capital (leverage) ratio | 9.0846% | 4,842 |
| Tier 1 risk-based capital ratio | 12.5450% | 5,013 |
| Total risk-based capital ratio | 13.7615% | 4,947 |
| Memoranda: |
| Average total assets | $118,083,800 | 4,224 |
| Average earning assets | $108,649,000 | 4,216 |
| Average equity | $9,876,400 | 4,775 |
| Average total loans | $79,516,200 | 3,885 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2744% | 2,730 |
| Cost of funding earning assets | 0.6779% | 1,270 |
| Net interest margin | 3.5964% | 3,440 |
| Noninterest income to average assets | 0.2726% | 5,262 |
| Noninterest expense to average assets | 2.2570% | 5,209 |
| Loan and lease loss provision to assets | 0.4839% | 313 |
| Net operating income to assets | 0.7239% | 3,819 |
| Return on assets (ROA) | 0.8349% | 3,351 |
| Pretax return on assets | 0.9826% | 3,661 |
| Return on Equity (ROE) | 10.0467% | 2,198 |
| Retained earnings to average equity (ytd only) | 10.0467% | 692 |
| Net charge-offs to loans | 0.7947% | 420 |
| Credit loss provision to net charge-offs | 90.2542% | 2,426 |
| Earnings coverage of net charge-offs (x) | 2.4915% | 3,903 |
| Efficiency ratio | 62.8201% | 4,758 |
| Assets per employee ($millions) | 5.0309% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2135% | 4,156 |
| Loan loss allowance to noncurrent loans | 977.4510% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.9126% | 3,163 |
| Noncurrent loans to loans | 0.1241% | 5,553 |
| Net loans and leases to total assets | 70.1435% | 2,172 |
| Net loans and leases to deposits | 77.5151% | 3,002 |
| Net loans and leases to core deposits | 80.3865% | 3,272 |
| Total domestic deposits to total assets | 90.4900% | 530 |
| Equity capital to assets | 8.8125% | 5,537 |
| Core capital (leverage) ratio | 9.0275% | 5,038 |
| Tier 1 risk-based capital ratio | 12.2035% | 5,365 |
| Total risk-based capital ratio | 13.3640% | 5,335 |
| Memoranda: |
| Average total assets | $117,378,250 | 4,273 |
| Average earning assets | $108,363,750 | 4,258 |
| Average equity | $9,754,250 | 4,836 |
| Average total loans | $79,190,250 | 3,925 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2498% | 2,769 |
| Cost of funding earning assets | 0.6972% | 1,201 |
| Net interest margin | 3.5526% | 3,562 |
| Noninterest income to average assets | 0.2544% | 5,372 |
| Noninterest expense to average assets | 2.2606% | 5,252 |
| Loan and lease loss provision to assets | 0.7224% | 180 |
| Net operating income to assets | 0.5545% | 4,573 |
| Return on assets (ROA) | 0.5952% | 4,473 |
| Pretax return on assets | 0.5783% | 5,027 |
| Return on Equity (ROE) | 7.3074% | 3,464 |
| Retained earnings to average equity (ytd only) | 7.3074% | 1,611 |
| Net charge-offs to loans | 1.1995% | 261 |
| Credit loss provision to net charge-offs | 90.8316% | 2,165 |
| Earnings coverage of net charge-offs (x) | 1.5842% | 3,766 |
| Efficiency ratio | 64.2100% | 4,660 |
| Assets per employee ($millions) | 5.1666% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2619% | 4,072 |
| Loan loss allowance to noncurrent loans | 980.3922% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.8886% | 3,325 |
| Noncurrent loans to loans | 0.1287% | 5,627 |
| Net loans and leases to total assets | 65.8459% | 2,770 |
| Net loans and leases to deposits | 73.0288% | 3,447 |
| Net loans and leases to core deposits | 75.6643% | 3,655 |
| Total domestic deposits to total assets | 90.1643% | 731 |
| Equity capital to assets | 8.2806% | 5,961 |
| Core capital (leverage) ratio | 8.6284% | 5,500 |
| Tier 1 risk-based capital ratio | 11.9364% | 5,575 |
| Total risk-based capital ratio | 13.1182% | 5,540 |
| Memoranda: |
| Average total assets | $117,934,330 | 4,289 |
| Average earning assets | $108,429,000 | 4,280 |
| Average equity | $9,606,670 | 4,890 |
| Average total loans | $78,200,330 | 3,971 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2494% | 2,692 |
| Cost of funding earning assets | 0.7120% | 1,175 |
| Net interest margin | 3.5374% | 3,534 |
| Noninterest income to average assets | 0.2043% | 5,722 |
| Noninterest expense to average assets | 2.1722% | 5,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0112% | 2,170 |
| Return on assets (ROA) | 1.0657% | 2,017 |
| Pretax return on assets | 1.3312% | 1,993 |
| Return on Equity (ROE) | 13.1928% | 1,113 |
| Retained earnings to average equity (ytd only) | 13.1928% | 464 |
| Net charge-offs to loans | -0.0051% | 4,828 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2309% | 4,971 |
| Assets per employee ($millions) | 5.1691% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3268% | 3,974 |
| Loan loss allowance to noncurrent loans | 756.5217% | 665 |
| Noncurrent assets plus other real estate owned to assets | 1.0018% | 3,263 |
| Noncurrent loans to loans | 0.1754% | 5,568 |
| Net loans and leases to total assets | 65.3071% | 2,674 |
| Net loans and leases to deposits | 73.2951% | 3,155 |
| Net loans and leases to core deposits | 75.9642% | 3,416 |
| Total domestic deposits to total assets | 89.1016% | 1,589 |
| Equity capital to assets | 8.1513% | 5,943 |
| Core capital (leverage) ratio | 8.7559% | 5,318 |
| Tier 1 risk-based capital ratio | 11.8167% | 5,750 |
| Total risk-based capital ratio | 13.0427% | 5,700 |
| Memoranda: |
| Average total assets | $117,485,500 | 4,325 |
| Average earning assets | $107,309,500 | 4,337 |
| Average equity | $9,490,000 | 4,937 |
| Average total loans | $77,677,500 | 4,006 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5850% | 1,917 |
| Cost of funding earning assets | 0.7756% | 1,345 |
| Net interest margin | 3.8094% | 2,622 |
| Noninterest income to average assets | 0.3068% | 5,145 |
| Noninterest expense to average assets | 2.2793% | 5,430 |
| Loan and lease loss provision to assets | 0.0549% | 4,043 |
| Net operating income to assets | 1.1156% | 1,881 |
| Return on assets (ROA) | 1.1685% | 1,746 |
| Pretax return on assets | 1.5412% | 1,320 |
| Return on Equity (ROE) | 14.2094% | 902 |
| Retained earnings to average equity (ytd only) | 14.2094% | 194 |
| Net charge-offs to loans | 0.0941% | 3,904 |
| Credit loss provision to net charge-offs | 89.5522% | 2,774 |
| Earnings coverage of net charge-offs (x) | 24.8806% | 1,349 |
| Efficiency ratio | 59.8893% | 5,488 |
| Assets per employee ($millions) | 5.0470% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3604% | 3,840 |
| Loan loss allowance to noncurrent loans | 821.2598% | 613 |
| Noncurrent assets plus other real estate owned to assets | 1.0165% | 3,390 |
| Noncurrent loans to loans | 0.1656% | 5,701 |
| Net loans and leases to total assets | 65.1479% | 2,833 |
| Net loans and leases to deposits | 72.7884% | 3,419 |
| Net loans and leases to core deposits | 75.4914% | 3,663 |
| Total domestic deposits to total assets | 89.5031% | 1,337 |
| Equity capital to assets | 8.0021% | 6,018 |
| Core capital (leverage) ratio | 8.7410% | 5,370 |
| Tier 1 risk-based capital ratio | 11.7184% | 5,795 |
| Total risk-based capital ratio | 12.9685% | 5,726 |
| Memoranda: |
| Average total assets | $109,198,800 | 4,515 |
| Average earning assets | $100,305,200 | 4,508 |
| Average equity | $8,980,000 | 5,082 |
| Average total loans | $71,207,400 | 4,214 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5992% | 1,906 |
| Cost of funding earning assets | 0.7879% | 1,392 |
| Net interest margin | 3.8113% | 2,602 |
| Noninterest income to average assets | 0.3238% | 5,091 |
| Noninterest expense to average assets | 2.1821% | 5,641 |
| Loan and lease loss provision to assets | 0.0744% | 3,566 |
| Net operating income to assets | 1.1825% | 1,691 |
| Return on assets (ROA) | 1.2467% | 1,565 |
| Pretax return on assets | 1.6574% | 1,192 |
| Return on Equity (ROE) | 15.0512% | 791 |
| Retained earnings to average equity (ytd only) | 15.0512% | 199 |
| Net charge-offs to loans | 0.1279% | 3,247 |
| Credit loss provision to net charge-offs | 89.5522% | 2,648 |
| Earnings coverage of net charge-offs (x) | 19.8062% | 1,620 |
| Efficiency ratio | 56.9994% | 5,803 |
| Assets per employee ($millions) | 5.3748% | 1,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3976% | 3,905 |
| Loan loss allowance to noncurrent loans | 613.5294% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.2383% | 5,729 |
| Noncurrent loans to loans | 0.2278% | 5,664 |
| Net loans and leases to total assets | 65.1936% | 2,765 |
| Net loans and leases to deposits | 73.4877% | 3,316 |
| Net loans and leases to core deposits | 79.8463% | 3,146 |
| Total domestic deposits to total assets | 88.7136% | 1,717 |
| Equity capital to assets | 7.9880% | 6,161 |
| Core capital (leverage) ratio | 8.6634% | 5,588 |
| Tier 1 risk-based capital ratio | 11.8194% | 5,891 |
| Total risk-based capital ratio | 13.0702% | 5,843 |
| Memoranda: |
| Average total assets | $107,478,000 | 4,605 |
| Average earning assets | $98,826,250 | 4,594 |
| Average equity | $8,902,750 | 5,161 |
| Average total loans | $69,842,250 | 4,305 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5945% | 1,871 |
| Cost of funding earning assets | 0.7936% | 1,447 |
| Net interest margin | 3.8010% | 2,553 |
| Noninterest income to average assets | 0.3123% | 5,206 |
| Noninterest expense to average assets | 2.2199% | 5,578 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1909% | 1,612 |
| Return on assets (ROA) | 1.2718% | 1,497 |
| Pretax return on assets | 1.6900% | 1,135 |
| Return on Equity (ROE) | 15.1607% | 783 |
| Retained earnings to average equity (ytd only) | 15.1607% | 227 |
| Net charge-offs to loans | -0.0293% | 6,093 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3873% | 5,678 |
| Assets per employee ($millions) | 4.8001% | 2,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4772% | 3,685 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.1377% | 6,077 |
| Noncurrent loans to loans | 0.0739% | 6,171 |
| Net loans and leases to total assets | 64.0336% | 2,908 |
| Net loans and leases to deposits | 73.8892% | 3,174 |
| Net loans and leases to core deposits | 84.4341% | 2,504 |
| Total domestic deposits to total assets | 86.6616% | 3,021 |
| Equity capital to assets | 7.9500% | 6,232 |
| Core capital (leverage) ratio | 8.6744% | 5,457 |
| Tier 1 risk-based capital ratio | 11.7032% | 5,995 |
| Total risk-based capital ratio | 12.9548% | 5,945 |
| Memoranda: |
| Average total assets | $105,680,670 | 4,682 |
| Average earning assets | $97,028,330 | 4,669 |
| Average equity | $8,865,000 | 5,207 |
| Average total loans | $68,247,330 | 4,377 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6424% | 1,702 |
| Cost of funding earning assets | 0.8180% | 1,428 |
| Net interest margin | 3.8244% | 2,360 |
| Noninterest income to average assets | 0.3097% | 5,213 |
| Noninterest expense to average assets | 2.3848% | 5,169 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0992% | 1,857 |
| Return on assets (ROA) | 1.1498% | 1,779 |
| Pretax return on assets | 1.5021% | 1,545 |
| Return on Equity (ROE) | 13.3348% | 1,089 |
| Retained earnings to average equity (ytd only) | 13.3348% | 515 |
| Net charge-offs to loans | -0.0241% | 5,805 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4113% | 5,250 |
| Assets per employee ($millions) | 4.7591% | 2,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5684% | 3,532 |
| Loan loss allowance to noncurrent loans | 1,951.8519% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 6,134 |
| Noncurrent loans to loans | 0.0804% | 6,244 |
| Net loans and leases to total assets | 63.1796% | 2,859 |
| Net loans and leases to deposits | 71.6294% | 3,231 |
| Net loans and leases to core deposits | 76.1226% | 3,306 |
| Total domestic deposits to total assets | 88.2034% | 2,193 |
| Equity capital to assets | 8.5788% | 5,938 |
| Core capital (leverage) ratio | 8.4930% | 5,603 |
| Tier 1 risk-based capital ratio | 11.4995% | 6,187 |
| Total risk-based capital ratio | 12.7518% | 6,158 |
| Memoranda: |
| Average total assets | $103,319,500 | 4,783 |
| Average earning assets | $94,864,000 | 4,769 |
| Average equity | $8,909,000 | 5,241 |
| Average total loans | $66,493,500 | 4,476 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0091% | 1,538 |
| Cost of funding earning assets | 1.0431% | 1,153 |
| Net interest margin | 3.9659% | 2,546 |
| Noninterest income to average assets | 0.4741% | 4,071 |
| Noninterest expense to average assets | 2.5824% | 4,801 |
| Loan and lease loss provision to assets | 0.3126% | 2,188 |
| Net operating income to assets | 0.8205% | 3,185 |
| Return on assets (ROA) | 0.9755% | 2,669 |
| Pretax return on assets | 1.3856% | 2,086 |
| Return on Equity (ROE) | 11.1854% | 1,746 |
| Retained earnings to average equity (ytd only) | 11.1854% | 423 |
| Net charge-offs to loans | 0.0562% | 5,147 |
| Credit loss provision to net charge-offs | 805.4054% | 310 |
| Earnings coverage of net charge-offs (x) | 38.0541% | 842 |
| Efficiency ratio | 63.6176% | 4,956 |
| Assets per employee ($millions) | 4.4321% | 3,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5961% | 3,337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 6,088 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 63.5027% | 2,979 |
| Net loans and leases to deposits | 70.7298% | 3,596 |
| Net loans and leases to core deposits | 75.2074% | 3,633 |
| Total domestic deposits to total assets | 89.7821% | 1,079 |
| Equity capital to assets | 8.6679% | 5,885 |
| Core capital (leverage) ratio | 8.8523% | 5,096 |
| Tier 1 risk-based capital ratio | 11.5991% | 6,031 |
| Total risk-based capital ratio | 12.8516% | 5,994 |
| Memoranda: |
| Average total assets | $95,339,200 | 4,955 |
| Average earning assets | $86,184,000 | 4,958 |
| Average equity | $8,314,400 | 5,415 |
| Average total loans | $65,802,000 | 4,513 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0695% | 1,499 |
| Cost of funding earning assets | 1.0950% | 1,077 |
| Net interest margin | 3.9745% | 2,605 |
| Noninterest income to average assets | 0.4995% | 3,934 |
| Noninterest expense to average assets | 2.6527% | 4,549 |
| Loan and lease loss provision to assets | 0.4056% | 1,577 |
| Net operating income to assets | 0.7392% | 3,739 |
| Return on assets (ROA) | 0.9464% | 2,988 |
| Pretax return on assets | 1.3335% | 2,481 |
| Return on Equity (ROE) | 10.8338% | 2,013 |
| Retained earnings to average equity (ytd only) | 10.8338% | 711 |
| Net charge-offs to loans | 0.3039% | 2,918 |
| Credit loss provision to net charge-offs | 190.0000% | 1,458 |
| Earnings coverage of net charge-offs (x) | 6.7799% | 2,714 |
| Efficiency ratio | 64.6998% | 4,679 |
| Assets per employee ($millions) | 3.8921% | 4,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3978% | 4,386 |
| Loan loss allowance to noncurrent loans | 8,400.0000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.4571% | 5,522 |
| Noncurrent loans to loans | 0.0166% | 6,605 |
| Net loans and leases to total assets | 69.7763% | 1,954 |
| Net loans and leases to deposits | 78.2477% | 2,627 |
| Net loans and leases to core deposits | 82.5330% | 2,889 |
| Total domestic deposits to total assets | 89.1735% | 1,326 |
| Equity capital to assets | 9.1468% | 5,650 |
| Core capital (leverage) ratio | 8.6898% | 5,489 |
| Tier 1 risk-based capital ratio | 11.4069% | 6,286 |
| Total risk-based capital ratio | 12.6579% | 6,246 |
| Memoranda: |
| Average total assets | $93,689,250 | 5,044 |
| Average earning assets | $84,872,000 | 5,046 |
| Average equity | $8,184,000 | 5,500 |
| Average total loans | $65,806,500 | 4,558 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1126% | 1,468 |
| Cost of funding earning assets | 1.1202% | 1,125 |
| Net interest margin | 3.9923% | 2,534 |
| Noninterest income to average assets | 0.4628% | 4,184 |
| Noninterest expense to average assets | 2.6999% | 4,428 |
| Loan and lease loss provision to assets | 0.1813% | 3,290 |
| Net operating income to assets | 0.8025% | 3,390 |
| Return on assets (ROA) | 1.0876% | 2,310 |
| Pretax return on assets | 1.5611% | 1,667 |
| Return on Equity (ROE) | 12.6488% | 1,459 |
| Retained earnings to average equity (ytd only) | 12.6488% | 485 |
| Net charge-offs to loans | 0.4505% | 2,253 |
| Credit loss provision to net charge-offs | 57.4324% | 3,871 |
| Earnings coverage of net charge-offs (x) | 4.2297% | 3,141 |
| Efficiency ratio | 66.9133% | 4,336 |
| Assets per employee ($millions) | 3.9688% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0880% | 5,828 |
| Loan loss allowance to noncurrent loans | 202.5070% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.7275% | 4,978 |
| Noncurrent loans to loans | 0.5373% | 5,444 |
| Net loans and leases to total assets | 69.3854% | 2,033 |
| Net loans and leases to deposits | 79.3743% | 2,468 |
| Net loans and leases to core deposits | 84.6778% | 2,605 |
| Total domestic deposits to total assets | 87.4155% | 2,527 |
| Equity capital to assets | 8.7904% | 5,923 |
| Core capital (leverage) ratio | 8.6201% | 5,489 |
| Tier 1 risk-based capital ratio | 11.1601% | 6,422 |
| Total risk-based capital ratio | 12.1676% | 6,518 |
| Memoranda: |
| Average total assets | $93,782,330 | 5,076 |
| Average earning assets | $83,911,000 | 5,103 |
| Average equity | $8,064,000 | 5,551 |
| Average total loans | $65,708,000 | 4,576 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2320% | 1,249 |
| Cost of funding earning assets | 1.1427% | 1,203 |
| Net interest margin | 4.0893% | 2,145 |
| Noninterest income to average assets | 0.4127% | 4,575 |
| Noninterest expense to average assets | 2.6825% | 4,490 |
| Loan and lease loss provision to assets | 0.1934% | 3,013 |
| Net operating income to assets | 0.7129% | 3,820 |
| Return on assets (ROA) | 0.9028% | 3,127 |
| Pretax return on assets | 1.4487% | 2,023 |
| Return on Equity (ROE) | 10.6201% | 2,177 |
| Retained earnings to average equity (ytd only) | 10.6201% | 1,134 |
| Net charge-offs to loans | 0.2087% | 2,875 |
| Credit loss provision to net charge-offs | 132.3529% | 1,844 |
| Earnings coverage of net charge-offs (x) | 9.2059% | 1,871 |
| Efficiency ratio | 66.5955% | 4,446 |
| Assets per employee ($millions) | 3.9148% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2254% | 5,374 |
| Loan loss allowance to noncurrent loans | 158.4158% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.9569% | 4,589 |
| Noncurrent loans to loans | 0.7735% | 5,117 |
| Net loans and leases to total assets | 68.6336% | 2,004 |
| Net loans and leases to deposits | 78.2203% | 2,466 |
| Net loans and leases to core deposits | 79.3815% | 3,127 |
| Total domestic deposits to total assets | 87.7440% | 2,499 |
| Equity capital to assets | 8.4914% | 6,088 |
| Core capital (leverage) ratio | 8.4428% | 5,687 |
| Tier 1 risk-based capital ratio | 10.9990% | 6,539 |
| Total risk-based capital ratio | 12.1340% | 6,576 |
| Memoranda: |
| Average total assets | $93,047,500 | 5,125 |
| Average earning assets | $82,263,000 | 5,187 |
| Average equity | $7,909,500 | 5,626 |
| Average total loans | $65,153,000 | 4,611 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3922% | 1,433 |
| Cost of funding earning assets | 1.2699% | 1,626 |
| Net interest margin | 4.1223% | 2,343 |
| Noninterest income to average assets | 0.4919% | 3,905 |
| Noninterest expense to average assets | 3.1816% | 2,933 |
| Loan and lease loss provision to assets | 0.3174% | 3,143 |
| Net operating income to assets | 0.5774% | 4,111 |
| Return on assets (ROA) | 0.6857% | 3,743 |
| Pretax return on assets | 0.8682% | 3,718 |
| Return on Equity (ROE) | 8.2852% | 2,770 |
| Retained earnings to average equity (ytd only) | 8.2852% | 989 |
| Net charge-offs to loans | 0.7390% | 2,299 |
| Credit loss provision to net charge-offs | 58.0913% | 5,222 |
| Earnings coverage of net charge-offs (x) | 1.9191% | 4,336 |
| Efficiency ratio | 75.2144% | 3,026 |
| Assets per employee ($millions) | 3.8392% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2134% | 5,328 |
| Loan loss allowance to noncurrent loans | 122.8972% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 1.2199% | 4,196 |
| Noncurrent loans to loans | 0.9874% | 4,730 |
| Net loans and leases to total assets | 69.7116% | 2,087 |
| Net loans and leases to deposits | 79.9365% | 2,533 |
| Net loans and leases to core deposits | 80.5440% | 3,382 |
| Total domestic deposits to total assets | 87.2087% | 2,640 |
| Equity capital to assets | 8.5098% | 6,142 |
| Core capital (leverage) ratio | 8.6408% | 5,329 |
| Tier 1 risk-based capital ratio | 10.8190% | 6,547 |
| Total risk-based capital ratio | 11.9507% | 6,577 |
| Memoranda: |
| Average total assets | $88,226,000 | 5,230 |
| Average earning assets | $80,003,800 | 5,233 |
| Average equity | $7,302,200 | 5,776 |
| Average total loans | $65,224,600 | 4,668 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4149% | 1,469 |
| Cost of funding earning assets | 1.2994% | 1,708 |
| Net interest margin | 4.1155% | 2,412 |
| Noninterest income to average assets | 0.4279% | 4,453 |
| Noninterest expense to average assets | 3.1756% | 2,900 |
| Loan and lease loss provision to assets | 0.3331% | 2,882 |
| Net operating income to assets | 0.5535% | 4,308 |
| Return on assets (ROA) | 0.6785% | 3,901 |
| Pretax return on assets | 0.8344% | 4,001 |
| Return on Equity (ROE) | 8.2594% | 2,933 |
| Retained earnings to average equity (ytd only) | 8.2594% | 1,405 |
| Net charge-offs to loans | 0.4555% | 2,912 |
| Credit loss provision to net charge-offs | 97.7578% | 3,499 |
| Earnings coverage of net charge-offs (x) | 2.9731% | 3,653 |
| Efficiency ratio | 75.8117% | 2,868 |
| Assets per employee ($millions) | 3.6045% | 4,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4998% | 4,097 |
| Loan loss allowance to noncurrent loans | 93.4597% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 1.6646% | 3,589 |
| Noncurrent loans to loans | 1.6047% | 3,892 |
| Net loans and leases to total assets | 74.8575% | 1,172 |
| Net loans and leases to deposits | 85.8266% | 1,707 |
| Net loans and leases to core deposits | 86.5215% | 2,704 |
| Total domestic deposits to total assets | 87.2195% | 2,516 |
| Equity capital to assets | 8.7704% | 6,013 |
| Core capital (leverage) ratio | 8.5554% | 5,623 |
| Tier 1 risk-based capital ratio | 10.8524% | 6,633 |
| Total risk-based capital ratio | 12.1034% | 6,611 |
| Memoranda: |
| Average total assets | $87,247,250 | 5,291 |
| Average earning assets | $79,728,250 | 5,277 |
| Average equity | $7,167,500 | 5,853 |
| Average total loans | $65,275,250 | 4,707 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4451% | 1,428 |
| Cost of funding earning assets | 1.3361% | 1,721 |
| Net interest margin | 4.1090% | 2,373 |
| Noninterest income to average assets | 0.4549% | 4,246 |
| Noninterest expense to average assets | 3.2665% | 2,678 |
| Loan and lease loss provision to assets | 0.3840% | 2,497 |
| Net operating income to assets | 0.4693% | 4,647 |
| Return on assets (ROA) | 0.5966% | 4,217 |
| Pretax return on assets | 0.6835% | 4,449 |
| Return on Equity (ROE) | 7.4278% | 3,227 |
| Retained earnings to average equity (ytd only) | 7.4278% | 1,686 |
| Net charge-offs to loans | 0.5805% | 2,369 |
| Credit loss provision to net charge-offs | 88.8889% | 3,489 |
| Earnings coverage of net charge-offs (x) | 2.1323% | 3,776 |
| Efficiency ratio | 78.0022% | 2,710 |
| Assets per employee ($millions) | 3.4726% | 5,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5016% | 4,119 |
| Loan loss allowance to noncurrent loans | 98.8787% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 1.5769% | 3,833 |
| Noncurrent loans to loans | 1.5186% | 4,147 |
| Net loans and leases to total assets | 73.2906% | 1,540 |
| Net loans and leases to deposits | 83.6550% | 2,158 |
| Net loans and leases to core deposits | 84.3123% | 3,170 |
| Total domestic deposits to total assets | 87.6106% | 2,401 |
| Equity capital to assets | 8.3948% | 6,312 |
| Core capital (leverage) ratio | 8.3225% | 5,831 |
| Tier 1 risk-based capital ratio | 10.7892% | 6,672 |
| Total risk-based capital ratio | 12.0423% | 6,643 |
| Memoranda: |
| Average total assets | $87,494,000 | 5,326 |
| Average earning assets | $79,485,000 | 5,332 |
| Average equity | $7,027,670 | 5,918 |
| Average total loans | $65,119,330 | 4,752 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4380% | 1,455 |
| Cost of funding earning assets | 1.3721% | 1,758 |
| Net interest margin | 4.0659% | 2,406 |
| Noninterest income to average assets | 0.5192% | 3,734 |
| Noninterest expense to average assets | 3.6205% | 1,723 |
| Loan and lease loss provision to assets | 0.1457% | 4,188 |
| Net operating income to assets | 0.3955% | 4,971 |
| Return on assets (ROA) | 0.4463% | 4,821 |
| Pretax return on assets | 0.4782% | 5,093 |
| Return on Equity (ROE) | 5.6832% | 4,070 |
| Retained earnings to average equity (ytd only) | 5.6832% | 2,805 |
| Net charge-offs to loans | 0.1407% | 3,662 |
| Credit loss provision to net charge-offs | 139.1304% | 2,011 |
| Earnings coverage of net charge-offs (x) | 5.4348% | 2,280 |
| Efficiency ratio | 86.4130% | 1,667 |
| Assets per employee ($millions) | 3.6263% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5507% | 3,957 |
| Loan loss allowance to noncurrent loans | 63.3714% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 2.2785% | 2,972 |
| Noncurrent loans to loans | 2.4469% | 3,043 |
| Net loans and leases to total assets | 72.9507% | 1,524 |
| Net loans and leases to deposits | 82.7887% | 2,218 |
| Net loans and leases to core deposits | 83.1269% | 3,291 |
| Total domestic deposits to total assets | 88.1167% | 2,305 |
| Equity capital to assets | 8.0650% | 6,432 |
| Core capital (leverage) ratio | 8.0302% | 6,218 |
| Tier 1 risk-based capital ratio | 10.4802% | 6,818 |
| Total risk-based capital ratio | 11.7329% | 6,801 |
| Memoranda: |
| Average total assets | $87,833,000 | 5,361 |
| Average earning assets | $79,294,000 | 5,382 |
| Average equity | $6,897,500 | 5,953 |
| Average total loans | $65,380,000 | 4,792 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5069% | 2,253 |
| Cost of funding earning assets | 1.8056% | 1,152 |
| Net interest margin | 3.7013% | 4,336 |
| Noninterest income to average assets | 0.2817% | 5,758 |
| Noninterest expense to average assets | 2.8874% | 4,289 |
| Loan and lease loss provision to assets | 0.6581% | 2,505 |
| Net operating income to assets | 0.0379% | 5,736 |
| Return on assets (ROA) | 0.3563% | 4,882 |
| Pretax return on assets | 0.3441% | 5,102 |
| Return on Equity (ROE) | 4.6740% | 4,220 |
| Retained earnings to average equity (ytd only) | 4.6740% | 2,625 |
| Net charge-offs to loans | 0.9320% | 2,320 |
| Credit loss provision to net charge-offs | 98.1728% | 4,716 |
| Earnings coverage of net charge-offs (x) | 1.0199% | 5,095 |
| Efficiency ratio | 80.8544% | 2,300 |
| Assets per employee ($millions) | 3.6932% | 4,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4954% | 4,040 |
| Loan loss allowance to noncurrent loans | 57.0524% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 2.4166% | 2,854 |
| Noncurrent loans to loans | 2.6211% | 2,904 |
| Net loans and leases to total assets | 73.6495% | 1,737 |
| Net loans and leases to deposits | 83.2112% | 2,586 |
| Net loans and leases to core deposits | 84.4120% | 3,541 |
| Total domestic deposits to total assets | 88.5092% | 1,941 |
| Equity capital to assets | 7.6447% | 6,783 |
| Core capital (leverage) ratio | 8.0058% | 6,195 |
| Tier 1 risk-based capital ratio | 10.1578% | 6,903 |
| Total risk-based capital ratio | 11.4111% | 6,876 |
| Memoranda: |
| Average total assets | $89,805,200 | 5,297 |
| Average earning assets | $79,809,000 | 5,354 |
| Average equity | $6,846,400 | 6,090 |
| Average total loans | $64,594,800 | 4,883 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5267% | 2,332 |
| Cost of funding earning assets | 1.8872% | 1,068 |
| Net interest margin | 3.6395% | 4,677 |
| Noninterest income to average assets | 0.2619% | 6,023 |
| Noninterest expense to average assets | 2.9360% | 3,960 |
| Loan and lease loss provision to assets | 0.8287% | 1,829 |
| Net operating income to assets | -0.1006% | 6,183 |
| Return on assets (ROA) | 0.2205% | 5,610 |
| Pretax return on assets | 0.0518% | 6,002 |
| Return on Equity (ROE) | 2.8942% | 5,269 |
| Retained earnings to average equity (ytd only) | 2.8942% | 4,400 |
| Net charge-offs to loans | 1.2278% | 1,664 |
| Credit loss provision to net charge-offs | 94.7547% | 4,572 |
| Earnings coverage of net charge-offs (x) | 0.6396% | 5,400 |
| Efficiency ratio | 83.9966% | 1,837 |
| Assets per employee ($millions) | 3.8578% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5016% | 3,949 |
| Loan loss allowance to noncurrent loans | 71.7134% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.9340% | 3,565 |
| Noncurrent loans to loans | 2.0939% | 3,575 |
| Net loans and leases to total assets | 71.7818% | 2,300 |
| Net loans and leases to deposits | 81.8095% | 3,143 |
| Net loans and leases to core deposits | 84.4318% | 3,880 |
| Total domestic deposits to total assets | 87.7426% | 2,134 |
| Equity capital to assets | 7.6874% | 7,006 |
| Core capital (leverage) ratio | 7.7212% | 6,649 |
| Tier 1 risk-based capital ratio | 10.1729% | 6,970 |
| Total risk-based capital ratio | 11.4251% | 6,951 |
| Memoranda: |
| Average total assets | $90,097,500 | 5,356 |
| Average earning assets | $80,045,750 | 5,405 |
| Average equity | $6,864,000 | 6,157 |
| Average total loans | $64,175,750 | 4,972 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6301% | 2,023 |
| Cost of funding earning assets | 1.9944% | 922 |
| Net interest margin | 3.6357% | 4,659 |
| Noninterest income to average assets | 0.3755% | 5,124 |
| Noninterest expense to average assets | 3.0347% | 3,574 |
| Loan and lease loss provision to assets | 0.3313% | 3,747 |
| Net operating income to assets | 0.1833% | 5,623 |
| Return on assets (ROA) | 0.6471% | 3,793 |
| Pretax return on assets | 0.6339% | 4,457 |
| Return on Equity (ROE) | 8.5195% | 2,656 |
| Retained earnings to average equity (ytd only) | 8.5195% | 1,257 |
| Net charge-offs to loans | 0.8248% | 2,187 |
| Credit loss provision to net charge-offs | 56.8182% | 5,286 |
| Earnings coverage of net charge-offs (x) | 0.8598% | 4,905 |
| Efficiency ratio | 85.8214% | 1,730 |
| Assets per employee ($millions) | 3.6758% | 4,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3686% | 4,587 |
| Loan loss allowance to noncurrent loans | 54.9845% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 2.5969% | 2,794 |
| Noncurrent loans to loans | 2.4891% | 3,164 |
| Net loans and leases to total assets | 72.5422% | 2,269 |
| Net loans and leases to deposits | 84.5256% | 2,784 |
| Net loans and leases to core deposits | 87.0872% | 3,677 |
| Total domestic deposits to total assets | 85.8228% | 3,189 |
| Equity capital to assets | 7.8543% | 6,885 |
| Core capital (leverage) ratio | 7.8531% | 6,435 |
| Tier 1 risk-based capital ratio | 10.3310% | 6,815 |
| Total risk-based capital ratio | 11.5822% | 6,795 |
| Memoranda: |
| Average total assets | $90,553,330 | 5,369 |
| Average earning assets | $78,719,330 | 5,484 |
| Average equity | $6,878,330 | 6,181 |
| Average total loans | $64,013,330 | 5,017 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6570% | 1,930 |
| Cost of funding earning assets | 2.0621% | 909 |
| Net interest margin | 3.5949% | 4,756 |
| Noninterest income to average assets | 0.4099% | 4,818 |
| Noninterest expense to average assets | 3.0309% | 3,561 |
| Loan and lease loss provision to assets | 0.2617% | 3,946 |
| Net operating income to assets | 0.2791% | 5,374 |
| Return on assets (ROA) | 0.8679% | 2,764 |
| Pretax return on assets | 0.8155% | 3,803 |
| Return on Equity (ROE) | 11.6154% | 1,607 |
| Retained earnings to average equity (ytd only) | 11.6154% | 810 |
| Net charge-offs to loans | 0.0629% | 4,788 |
| Credit loss provision to net charge-offs | 600.0000% | 717 |
| Earnings coverage of net charge-offs (x) | 11.2000% | 1,670 |
| Efficiency ratio | 86.1214% | 1,782 |
| Assets per employee ($millions) | 3.7977% | 4,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6568% | 3,222 |
| Loan loss allowance to noncurrent loans | 71.4189% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 2.4699% | 2,936 |
| Noncurrent loans to loans | 2.3198% | 3,365 |
| Net loans and leases to total assets | 65.7717% | 3,913 |
| Net loans and leases to deposits | 73.8470% | 4,763 |
| Net loans and leases to core deposits | 77.7056% | 5,057 |
| Total domestic deposits to total assets | 89.0649% | 1,486 |
| Equity capital to assets | 7.2792% | 7,224 |
| Core capital (leverage) ratio | 7.2956% | 7,034 |
| Tier 1 risk-based capital ratio | 9.8117% | 7,147 |
| Total risk-based capital ratio | 11.0654% | 7,140 |
| Memoranda: |
| Average total assets | $91,720,500 | 5,396 |
| Average earning assets | $79,335,000 | 5,528 |
| Average equity | $6,853,000 | 6,241 |
| Average total loans | $63,578,000 | 5,107 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9703% | 1,990 |
| Cost of funding earning assets | 1.8573% | 3,693 |
| Net interest margin | 4.1130% | 2,396 |
| Noninterest income to average assets | 0.5954% | 3,670 |
| Noninterest expense to average assets | 2.9378% | 4,397 |
| Loan and lease loss provision to assets | 0.6013% | 3,385 |
| Net operating income to assets | 0.5333% | 3,600 |
| Return on assets (ROA) | 0.6591% | 3,154 |
| Pretax return on assets | 0.8966% | 2,936 |
| Return on Equity (ROE) | 8.6455% | 2,150 |
| Retained earnings to average equity (ytd only) | 8.6455% | 555 |
| Net charge-offs to loans | 0.2939% | 4,796 |
| Credit loss provision to net charge-offs | 276.6304% | 1,238 |
| Earnings coverage of net charge-offs (x) | 6.1087% | 2,435 |
| Efficiency ratio | 68.8729% | 4,849 |
| Assets per employee ($millions) | 3.6875% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5740% | 3,380 |
| Loan loss allowance to noncurrent loans | 65.3620% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 2.7119% | 2,578 |
| Noncurrent loans to loans | 2.4081% | 3,148 |
| Net loans and leases to total assets | 70.7997% | 3,052 |
| Net loans and leases to deposits | 80.1138% | 3,966 |
| Net loans and leases to core deposits | 96.2843% | 4,433 |
| Total domestic deposits to total assets | 88.3739% | 1,784 |
| Equity capital to assets | 7.6781% | 6,880 |
| Core capital (leverage) ratio | 7.7328% | 6,522 |
| Tier 1 risk-based capital ratio | 9.9777% | 6,890 |
| Total risk-based capital ratio | 11.2307% | 6,862 |
| Memoranda: |
| Average total assets | $84,655,400 | 5,577 |
| Average earning assets | $75,541,000 | 5,621 |
| Average equity | $6,454,200 | 6,443 |
| Average total loans | $62,603,400 | 5,143 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0378% | 1,889 |
| Cost of funding earning assets | 1.8229% | 4,270 |
| Net interest margin | 4.2149% | 1,987 |
| Noninterest income to average assets | 0.5321% | 4,221 |
| Noninterest expense to average assets | 2.9121% | 4,406 |
| Loan and lease loss provision to assets | 0.8109% | 2,343 |
| Net operating income to assets | 0.4647% | 4,145 |
| Return on assets (ROA) | 0.4747% | 4,194 |
| Pretax return on assets | 0.5974% | 4,195 |
| Return on Equity (ROE) | 6.2383% | 3,423 |
| Retained earnings to average equity (ytd only) | 6.2383% | 1,834 |
| Net charge-offs to loans | 0.1198% | 5,501 |
| Credit loss provision to net charge-offs | 908.9286% | 411 |
| Earnings coverage of net charge-offs (x) | 15.6439% | 1,523 |
| Efficiency ratio | 67.6036% | 5,057 |
| Assets per employee ($millions) | 3.4357% | 5,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8077% | 2,255 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 3.0922% | 2,222 |
| Noncurrent loans to loans | 3.6154% | 2,065 |
| Net loans and leases to total assets | 71.4610% | 3,163 |
| Net loans and leases to deposits | 85.7802% | 3,361 |
| Net loans and leases to core deposits | 103.9969% | 3,936 |
| Total domestic deposits to total assets | 83.3071% | 4,063 |
| Equity capital to assets | 7.8155% | 7,024 |
| Core capital (leverage) ratio | 7.6736% | 6,764 |
| Tier 1 risk-based capital ratio | 9.6669% | 7,265 |
| Total risk-based capital ratio | 10.9226% | 7,217 |
| Memoranda: |
| Average total assets | $83,694,500 | 5,628 |
| Average earning assets | $74,970,000 | 5,671 |
| Average equity | $6,369,000 | 6,533 |
| Average total loans | $62,339,500 | 5,195 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1837% | 1,514 |
| Cost of funding earning assets | 1.8378% | 4,567 |
| Net interest margin | 4.3459% | 1,537 |
| Noninterest income to average assets | 0.5786% | 3,844 |
| Noninterest expense to average assets | 2.9725% | 4,195 |
| Loan and lease loss provision to assets | 0.8775% | 1,920 |
| Net operating income to assets | 0.4860% | 4,139 |
| Return on assets (ROA) | 0.5014% | 4,205 |
| Pretax return on assets | 0.6244% | 4,248 |
| Return on Equity (ROE) | 6.6514% | 3,362 |
| Retained earnings to average equity (ytd only) | 6.6514% | 1,719 |
| Net charge-offs to loans | -0.0193% | 7,690 |
| Credit loss provision to net charge-offs | -6,066.6667% | 7,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7208% | 5,412 |
| Assets per employee ($millions) | 3.3442% | 5,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7229% | 2,263 |
| Loan loss allowance to noncurrent loans | 48.5171% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 2.4819% | 2,602 |
| Noncurrent loans to loans | 3.5510% | 1,971 |
| Net loans and leases to total assets | 68.6885% | 4,025 |
| Net loans and leases to deposits | 83.8220% | 3,914 |
| Net loans and leases to core deposits | 97.5133% | 4,739 |
| Total domestic deposits to total assets | 81.9457% | 4,713 |
| Equity capital to assets | 7.3744% | 7,367 |
| Core capital (leverage) ratio | 7.4124% | 7,125 |
| Tier 1 risk-based capital ratio | 9.8138% | 7,120 |
| Total risk-based capital ratio | 11.0680% | 7,056 |
| Memoranda: |
| Average total assets | $82,961,670 | 5,700 |
| Average earning assets | $74,000,670 | 5,746 |
| Average equity | $6,254,330 | 6,618 |
| Average total loans | $62,282,670 | 5,246 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1394% | 1,799 |
| Cost of funding earning assets | 1.8473% | 4,889 |
| Net interest margin | 4.2922% | 1,627 |
| Noninterest income to average assets | 0.5237% | 4,105 |
| Noninterest expense to average assets | 2.7764% | 4,669 |
| Loan and lease loss provision to assets | 1.3931% | 914 |
| Net operating income to assets | 0.2371% | 5,541 |
| Return on assets (ROA) | 0.2371% | 5,701 |
| Pretax return on assets | 0.2569% | 5,797 |
| Return on Equity (ROE) | 3.1091% | 5,324 |
| Retained earnings to average equity (ytd only) | 3.1091% | 4,144 |
| Net charge-offs to loans | 0.0317% | 5,077 |
| Credit loss provision to net charge-offs | 5,640.0000% | 131 |
| Earnings coverage of net charge-offs (x) | 66.8000% | 599 |
| Efficiency ratio | 62.7232% | 5,925 |
| Assets per employee ($millions) | 3.4484% | 4,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5067% | 2,946 |
| Loan loss allowance to noncurrent loans | 43.1870% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 2.6691% | 2,146 |
| Noncurrent loans to loans | 3.4887% | 1,824 |
| Net loans and leases to total assets | 75.3546% | 2,416 |
| Net loans and leases to deposits | 91.2303% | 2,737 |
| Net loans and leases to core deposits | 114.4018% | 2,969 |
| Total domestic deposits to total assets | 82.5983% | 4,335 |
| Equity capital to assets | 7.5385% | 7,319 |
| Core capital (leverage) ratio | 7.5747% | 7,058 |
| Tier 1 risk-based capital ratio | 9.6253% | 7,313 |
| Total risk-based capital ratio | 10.8781% | 7,247 |
| Memoranda: |
| Average total assets | $80,968,000 | 5,784 |
| Average earning assets | $73,622,500 | 5,787 |
| Average equity | $6,175,500 | 6,698 |
| Average total loans | $63,038,500 | 5,245 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7133% | 1,983 |
| Cost of funding earning assets | 2.5367% | 4,017 |
| Net interest margin | 4.1766% | 2,404 |
| Noninterest income to average assets | 0.6901% | 3,181 |
| Noninterest expense to average assets | 3.3643% | 2,776 |
| Loan and lease loss provision to assets | 1.1628% | 1,247 |
| Net operating income to assets | 0.0423% | 6,251 |
| Return on assets (ROA) | 0.0423% | 6,108 |
| Pretax return on assets | 0.0088% | 6,139 |
| Return on Equity (ROE) | 0.4680% | 6,088 |
| Retained earnings to average equity (ytd only) | -0.9844% | 5,586 |
| Net charge-offs to loans | 1.2070% | 1,001 |
| Credit loss provision to net charge-offs | 113.0496% | 4,773 |
| Earnings coverage of net charge-offs (x) | 1.1390% | 5,556 |
| Efficiency ratio | 74.1718% | 3,543 |
| Assets per employee ($millions) | 3.1670% | 5,572 |
| Cash dividends to net income (ytd only)* | 310.3448% | 184 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0787% | 5,425 |
| Loan loss allowance to noncurrent loans | 37.4240% | 6,233 |
| Noncurrent assets plus other real estate owned to assets | 2.2848% | 2,129 |
| Noncurrent loans to loans | 2.8825% | 1,873 |
| Net loans and leases to total assets | 78.4108% | 2,022 |
| Net loans and leases to deposits | 90.2406% | 3,410 |
| Net loans and leases to core deposits | 110.0688% | 3,776 |
| Total domestic deposits to total assets | 86.8909% | 1,986 |
| Equity capital to assets | 7.7197% | 7,182 |
| Core capital (leverage) ratio | 8.1503% | 6,252 |
| Tier 1 risk-based capital ratio | 9.7407% | 7,030 |
| Total risk-based capital ratio | 10.8289% | 7,122 |
| Memoranda: |
| Average total assets | $68,542,400 | 6,076 |
| Average earning assets | $63,113,600 | 6,049 |
| Average equity | $6,196,400 | 6,739 |
| Average total loans | $58,410,800 | 5,344 |
