| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 18.0860% | 50 |
| Cost of funding earning assets | 4.1895% | 50 |
| Net interest margin | 13.8965% | 9 |
| Noninterest income to average assets | 3.0900% | 189 |
| Noninterest expense to average assets | 10.7013% | 110 |
| Loan and lease loss provision to assets | 0.3900% | 293 |
| Net operating income to assets | 3.7445% | 98 |
| Return on assets (ROA) | 3.7449% | 104 |
| Pretax return on assets | 5.0407% | 90 |
| Return on Equity (ROE) | 23.6800% | 225 |
| Retained earnings to average equity (ytd only) | 9.7201% | 636 |
| Net charge-offs to loans | 0.4257% | 357 |
| Credit loss provision to net charge-offs | 112.7612% | 1,742 |
| Earnings coverage of net charge-offs (x) | 16.0503% | 1,996 |
| Efficiency ratio | 64.6599% | 2,647 |
| Assets per employee ($millions) | 8.9520% | 1,079 |
| Cash dividends to net income (ytd only)* | 58.9560% | 1,238 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4503% | 1,145 |
| Loan loss allowance to noncurrent loans | 74.3719% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 1.6842% | 285 |
| Noncurrent loans to loans | 1.9500% | 414 |
| Net loans and leases to total assets | 85.1200% | 205 |
| Net loans and leases to deposits | 108.5193% | 199 |
| Net loans and leases to core deposits | 650.3407% | 9 |
| Total domestic deposits to total assets | 78.4300% | 3,729 |
| Equity capital to assets | 17.9228% | 342 |
| Core capital (leverage) ratio | 17.8692% | 334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6519% | 805 |
| Memoranda: |
| Average total assets | $2,264,629,200 | 525 |
| Average earning assets | $2,124,358,800 | 510 |
| Average equity | $358,112,200 | 374 |
| Average total loans | $1,798,547,800 | 473 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 17.8008% | 52 |
| Cost of funding earning assets | 4.2839% | 53 |
| Net interest margin | 13.5168% | 9 |
| Noninterest income to average assets | 2.8400% | 193 |
| Noninterest expense to average assets | 10.1256% | 108 |
| Loan and lease loss provision to assets | 0.6100% | 128 |
| Net operating income to assets | 3.5744% | 102 |
| Return on assets (ROA) | 3.5731% | 105 |
| Pretax return on assets | 4.8302% | 84 |
| Return on Equity (ROE) | 23.3100% | 251 |
| Retained earnings to average equity (ytd only) | 8.1998% | 1,340 |
| Net charge-offs to loans | 0.7498% | 184 |
| Credit loss provision to net charge-offs | 91.5649% | 1,770 |
| Earnings coverage of net charge-offs (x) | 9.3291% | 2,168 |
| Efficiency ratio | 64.9328% | 2,602 |
| Assets per employee ($millions) | 9.1265% | 1,030 |
| Cash dividends to net income (ytd only)* | 64.8214% | 847 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4564% | 1,167 |
| Loan loss allowance to noncurrent loans | 77.0308% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 1.4724% | 357 |
| Noncurrent loans to loans | 1.8907% | 424 |
| Net loans and leases to total assets | 76.7400% | 1,034 |
| Net loans and leases to deposits | 96.1156% | 718 |
| Net loans and leases to core deposits | 750.0837% | 9 |
| Total domestic deposits to total assets | 79.8400% | 3,491 |
| Equity capital to assets | 16.8293% | 429 |
| Core capital (leverage) ratio | 16.2867% | 469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7697% | 822 |
| Memoranda: |
| Average total assets | $2,302,617,500 | 515 |
| Average earning assets | $2,169,163,750 | 504 |
| Average equity | $352,977,500 | 367 |
| Average total loans | $1,792,008,000 | 467 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 17.5687% | 53 |
| Cost of funding earning assets | 4.2594% | 48 |
| Net interest margin | 13.3093% | 9 |
| Noninterest income to average assets | 2.6800% | 202 |
| Noninterest expense to average assets | 9.9309% | 113 |
| Loan and lease loss provision to assets | 0.2900% | 343 |
| Net operating income to assets | 3.6970% | 101 |
| Return on assets (ROA) | 3.6958% | 105 |
| Pretax return on assets | 4.9961% | 92 |
| Return on Equity (ROE) | 24.8600% | 225 |
| Retained earnings to average equity (ytd only) | 7.6574% | 1,470 |
| Net charge-offs to loans | 0.7735% | 168 |
| Credit loss provision to net charge-offs | 33.9235% | 1,894 |
| Earnings coverage of net charge-offs (x) | 8.7824% | 2,043 |
| Efficiency ratio | 65.1595% | 2,637 |
| Assets per employee ($millions) | 9.0599% | 986 |
| Cash dividends to net income (ytd only)* | 69.1978% | 883 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2169% | 2,161 |
| Loan loss allowance to noncurrent loans | 284.2845% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.3286% | 1,847 |
| Noncurrent loans to loans | 0.4281% | 1,923 |
| Net loans and leases to total assets | 75.8300% | 1,196 |
| Net loans and leases to deposits | 94.2904% | 919 |
| Net loans and leases to core deposits | 674.7748% | 9 |
| Total domestic deposits to total assets | 80.4200% | 3,381 |
| Equity capital to assets | 16.0267% | 469 |
| Core capital (leverage) ratio | 15.3437% | 580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1779% | 894 |
| Memoranda: |
| Average total assets | $2,346,121,000 | 506 |
| Average earning assets | $2,209,186,333 | 494 |
| Average equity | $348,786,667 | 368 |
| Average total loans | $1,825,490,000 | 458 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 16.7022% | 55 |
| Cost of funding earning assets | 4.2205% | 47 |
| Net interest margin | 12.4816% | 12 |
| Noninterest income to average assets | 2.5200% | 200 |
| Noninterest expense to average assets | 9.3351% | 119 |
| Loan and lease loss provision to assets | 0.1300% | 807 |
| Net operating income to assets | 3.5749% | 110 |
| Return on assets (ROA) | 3.5732% | 109 |
| Pretax return on assets | 4.8406% | 93 |
| Return on Equity (ROE) | 24.9400% | 231 |
| Retained earnings to average equity (ytd only) | 1.7203% | 3,310 |
| Net charge-offs to loans | 0.8883% | 110 |
| Credit loss provision to net charge-offs | 19.4929% | 1,527 |
| Earnings coverage of net charge-offs (x) | 7.1442% | 1,786 |
| Efficiency ratio | 65.1565% | 2,667 |
| Assets per employee ($millions) | 9.6309% | 821 |
| Cash dividends to net income (ytd only)* | 93.1012% | 583 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2487% | 2,016 |
| Loan loss allowance to noncurrent loans | 176.3674% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.5472% | 1,167 |
| Noncurrent loans to loans | 0.7080% | 1,257 |
| Net loans and leases to total assets | 76.3200% | 1,028 |
| Net loans and leases to deposits | 93.8545% | 877 |
| Net loans and leases to core deposits | 663.8028% | 42 |
| Total domestic deposits to total assets | 81.3100% | 3,314 |
| Equity capital to assets | 15.0654% | 549 |
| Core capital (leverage) ratio | 14.3617% | 712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6835% | 1,143 |
| Memoranda: |
| Average total assets | $2,404,809,000 | 502 |
| Average earning assets | $2,271,081,500 | 483 |
| Average equity | $344,582,500 | 375 |
| Average total loans | $1,882,763,500 | 451 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 16.6015% | 56 |
| Cost of funding earning assets | 3.6903% | 57 |
| Net interest margin | 12.9111% | 19 |
| Noninterest income to average assets | 2.3700% | 229 |
| Noninterest expense to average assets | 8.9695% | 122 |
| Loan and lease loss provision to assets | 2.2300% | 26 |
| Net operating income to assets | 2.4535% | 250 |
| Return on assets (ROA) | 2.4541% | 242 |
| Pretax return on assets | 3.2972% | 166 |
| Return on Equity (ROE) | 17.8800% | 834 |
| Retained earnings to average equity (ytd only) | 17.0929% | 215 |
| Net charge-offs to loans | 3.1601% | 28 |
| Credit loss provision to net charge-offs | 84.8347% | 1,985 |
| Earnings coverage of net charge-offs (x) | 2.1754% | 2,715 |
| Efficiency ratio | 61.8624% | 2,846 |
| Assets per employee ($millions) | 10.3175% | 642 |
| Cash dividends to net income (ytd only)* | 4.3897% | 3,349 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2781% | 1,887 |
| Loan loss allowance to noncurrent loans | 160.5518% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.6306% | 864 |
| Noncurrent loans to loans | 0.7961% | 974 |
| Net loans and leases to total assets | 78.2000% | 849 |
| Net loans and leases to deposits | 94.5663% | 901 |
| Net loans and leases to core deposits | 706.0802% | 39 |
| Total domestic deposits to total assets | 82.6900% | 2,963 |
| Equity capital to assets | 13.6583% | 739 |
| Core capital (leverage) ratio | 13.1743% | 1,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4296% | 1,410 |
| Memoranda: |
| Average total assets | $2,320,685,000 | 497 |
| Average earning assets | $2,179,530,200 | 482 |
| Average equity | $318,565,200 | 378 |
| Average total loans | $1,866,740,600 | 425 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 16.5829% | 51 |
| Cost of funding earning assets | 3.4184% | 67 |
| Net interest margin | 13.1645% | 15 |
| Noninterest income to average assets | 2.3600% | 242 |
| Noninterest expense to average assets | 8.8592% | 123 |
| Loan and lease loss provision to assets | 2.9200% | 17 |
| Net operating income to assets | 2.1325% | 415 |
| Return on assets (ROA) | 2.1306% | 410 |
| Pretax return on assets | 2.8942% | 258 |
| Return on Equity (ROE) | 15.5000% | 1,346 |
| Retained earnings to average equity (ytd only) | 14.4323% | 620 |
| Net charge-offs to loans | 1.2622% | 74 |
| Credit loss provision to net charge-offs | 276.2017% | 932 |
| Earnings coverage of net charge-offs (x) | 5.7076% | 2,335 |
| Efficiency ratio | 60.3537% | 2,925 |
| Assets per employee ($millions) | 10.1740% | 626 |
| Cash dividends to net income (ytd only)* | 6.8872% | 2,865 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2793% | 98 |
| Loan loss allowance to noncurrent loans | 125.8246% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 2.0487% | 132 |
| Noncurrent loans to loans | 2.6062% | 182 |
| Net loans and leases to total assets | 76.0300% | 1,119 |
| Net loans and leases to deposits | 91.3698% | 1,108 |
| Net loans and leases to core deposits | 683.0863% | 7 |
| Total domestic deposits to total assets | 83.2100% | 2,978 |
| Equity capital to assets | 12.8089% | 853 |
| Core capital (leverage) ratio | 12.8125% | 1,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5582% | 1,693 |
| Memoranda: |
| Average total assets | $2,271,490,750 | 510 |
| Average earning assets | $2,125,445,000 | 495 |
| Average equity | $312,246,000 | 381 |
| Average total loans | $1,834,902,250 | 432 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 16.7499% | 49 |
| Cost of funding earning assets | 3.1377% | 71 |
| Net interest margin | 13.6122% | 17 |
| Noninterest income to average assets | 2.4400% | 206 |
| Noninterest expense to average assets | 9.2877% | 112 |
| Loan and lease loss provision to assets | 1.0300% | 64 |
| Net operating income to assets | 3.5725% | 114 |
| Return on assets (ROA) | 3.5725% | 115 |
| Pretax return on assets | 4.8608% | 90 |
| Return on Equity (ROE) | 25.3200% | 366 |
| Retained earnings to average equity (ytd only) | 23.7046% | 149 |
| Net charge-offs to loans | 1.2693% | 65 |
| Credit loss provision to net charge-offs | 97.1671% | 1,471 |
| Earnings coverage of net charge-offs (x) | 5.6882% | 2,158 |
| Efficiency ratio | 61.1827% | 2,820 |
| Assets per employee ($millions) | 9.7850% | 709 |
| Cash dividends to net income (ytd only)* | 6.3978% | 2,797 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7719% | 654 |
| Loan loss allowance to noncurrent loans | 242.4034% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.6017% | 894 |
| Noncurrent loans to loans | 0.7310% | 1,025 |
| Net loans and leases to total assets | 80.8600% | 535 |
| Net loans and leases to deposits | 98.6000% | 579 |
| Net loans and leases to core deposits | 691.1543% | 6 |
| Total domestic deposits to total assets | 82.0100% | 3,231 |
| Equity capital to assets | 13.9384% | 656 |
| Core capital (leverage) ratio | 13.9526% | 781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8418% | 1,349 |
| Memoranda: |
| Average total assets | $2,187,603,667 | 508 |
| Average earning assets | $2,047,489,667 | 497 |
| Average equity | $308,598,333 | 375 |
| Average total loans | $1,785,414,667 | 429 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 16.1351% | 8 |
| Cost of funding earning assets | 2.7767% | 58 |
| Net interest margin | 13.3583% | 10 |
| Noninterest income to average assets | 2.4500% | 197 |
| Noninterest expense to average assets | 8.4498% | 131 |
| Loan and lease loss provision to assets | 1.4400% | 53 |
| Net operating income to assets | 3.7256% | 111 |
| Return on assets (ROA) | 3.7286% | 111 |
| Pretax return on assets | 5.0808% | 91 |
| Return on Equity (ROE) | 26.2600% | 353 |
| Retained earnings to average equity (ytd only) | 22.9239% | 246 |
| Net charge-offs to loans | 1.2929% | 61 |
| Credit loss provision to net charge-offs | 140.7755% | 974 |
| Earnings coverage of net charge-offs (x) | 6.2079% | 1,787 |
| Efficiency ratio | 56.4486% | 3,360 |
| Assets per employee ($millions) | 9.8809% | 732 |
| Cash dividends to net income (ytd only)* | 12.6981% | 2,126 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9872% | 451 |
| Loan loss allowance to noncurrent loans | 221.3355% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.7327% | 664 |
| Noncurrent loans to loans | 0.8978% | 843 |
| Net loans and leases to total assets | 79.9800% | 545 |
| Net loans and leases to deposits | 97.6008% | 557 |
| Net loans and leases to core deposits | 696.5487% | 7 |
| Total domestic deposits to total assets | 81.9500% | 3,491 |
| Equity capital to assets | 13.5490% | 662 |
| Core capital (leverage) ratio | 14.1313% | 713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9628% | 1,639 |
| Memoranda: |
| Average total assets | $2,112,094,000 | 543 |
| Average earning assets | $1,979,466,500 | 527 |
| Average equity | $299,914,500 | 392 |
| Average total loans | $1,715,560,500 | 450 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 11.6245% | 16 |
| Cost of funding earning assets | 1.0948% | 111 |
| Net interest margin | 10.5297% | 14 |
| Noninterest income to average assets | 2.9400% | 179 |
| Noninterest expense to average assets | 7.3574% | 142 |
| Loan and lease loss provision to assets | 1.4100% | 28 |
| Net operating income to assets | 3.0177% | 109 |
| Return on assets (ROA) | 3.0114% | 107 |
| Pretax return on assets | 4.0317% | 90 |
| Return on Equity (ROE) | 18.4000% | 644 |
| Retained earnings to average equity (ytd only) | 14.6959% | 318 |
| Net charge-offs to loans | 0.5914% | 122 |
| Credit loss provision to net charge-offs | 312.7378% | 895 |
| Earnings coverage of net charge-offs (x) | 12.1137% | 2,123 |
| Efficiency ratio | 57.4665% | 3,408 |
| Assets per employee ($millions) | 8.7958% | 977 |
| Cash dividends to net income (ytd only)* | 20.1430% | 2,896 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8736% | 564 |
| Loan loss allowance to noncurrent loans | 177.4868% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.8528% | 540 |
| Noncurrent loans to loans | 1.0556% | 684 |
| Net loans and leases to total assets | 79.2800% | 672 |
| Net loans and leases to deposits | 99.1382% | 474 |
| Net loans and leases to core deposits | 629.3429% | 8 |
| Total domestic deposits to total assets | 79.9700% | 3,880 |
| Equity capital to assets | 14.9507% | 473 |
| Core capital (leverage) ratio | 14.7288% | 602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9613% | 1,639 |
| Memoranda: |
| Average total assets | $1,648,588,400 | 657 |
| Average earning assets | $1,544,388,400 | 640 |
| Average equity | $269,769,400 | 417 |
| Average total loans | $1,253,166,400 | 558 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.3499% | 17 |
| Cost of funding earning assets | 0.6892% | 283 |
| Net interest margin | 9.6606% | 17 |
| Noninterest income to average assets | 3.0400% | 182 |
| Noninterest expense to average assets | 7.1303% | 141 |
| Loan and lease loss provision to assets | 1.0000% | 44 |
| Net operating income to assets | 2.9089% | 110 |
| Return on assets (ROA) | 2.9009% | 107 |
| Pretax return on assets | 3.9486% | 87 |
| Return on Equity (ROE) | 17.2600% | 750 |
| Retained earnings to average equity (ytd only) | 12.2099% | 748 |
| Net charge-offs to loans | 0.4906% | 133 |
| Credit loss provision to net charge-offs | 273.0608% | 857 |
| Earnings coverage of net charge-offs (x) | 13.5590% | 1,882 |
| Efficiency ratio | 58.9895% | 3,248 |
| Assets per employee ($millions) | 8.6827% | 997 |
| Cash dividends to net income (ytd only)* | 29.2680% | 2,068 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6174% | 1,033 |
| Loan loss allowance to noncurrent loans | 272.6658% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 1,277 |
| Noncurrent loans to loans | 0.5932% | 1,360 |
| Net loans and leases to total assets | 70.6400% | 1,427 |
| Net loans and leases to deposits | 90.8306% | 834 |
| Net loans and leases to core deposits | 542.0022% | 8 |
| Total domestic deposits to total assets | 77.7700% | 4,273 |
| Equity capital to assets | 15.0903% | 446 |
| Core capital (leverage) ratio | 15.8706% | 466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1902% | 1,371 |
| Memoranda: |
| Average total assets | $1,570,371,500 | 685 |
| Average earning assets | $1,471,362,000 | 672 |
| Average equity | $263,898,750 | 426 |
| Average total loans | $1,170,287,250 | 590 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.3788% | 20 |
| Cost of funding earning assets | 0.4074% | 875 |
| Net interest margin | 8.9715% | 18 |
| Noninterest income to average assets | 3.0579% | 147 |
| Noninterest expense to average assets | 6.8737% | 105 |
| Loan and lease loss provision to assets | 0.6979% | 67 |
| Net operating income to assets | 2.8826% | 75 |
| Return on assets (ROA) | 2.8756% | 73 |
| Pretax return on assets | 3.9135% | 56 |
| Return on Equity (ROE) | 16.4174% | 644 |
| Retained earnings to average equity (ytd only) | 8.7035% | 1,373 |
| Net charge-offs to loans | 0.4622% | 147 |
| Credit loss provision to net charge-offs | 199.5750% | 971 |
| Earnings coverage of net charge-offs (x) | 13.2133% | 1,693 |
| Efficiency ratio | 59.8025% | 3,325 |
| Assets per employee ($millions) | 8.1979% | 1,201 |
| Cash dividends to net income (ytd only)* | 46.9859% | 1,439 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3167% | 2,110 |
| Loan loss allowance to noncurrent loans | 212.8192% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 1,195 |
| Noncurrent loans to loans | 0.6187% | 1,371 |
| Net loans and leases to total assets | 75.8115% | 747 |
| Net loans and leases to deposits | 104.3225% | 162 |
| Net loans and leases to core deposits | 411.2073% | 11 |
| Total domestic deposits to total assets | 72.6703% | 4,568 |
| Equity capital to assets | 16.2371% | 317 |
| Core capital (leverage) ratio | 20.1881% | 180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6573% | 1,043 |
| Memoranda: |
| Average total assets | $1,480,248,667 | 705 |
| Average earning assets | $1,391,919,667 | 694 |
| Average equity | $259,273,667 | 435 |
| Average total loans | $1,119,829,000 | 601 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.8294% | 22 |
| Cost of funding earning assets | 0.3519% | 1,183 |
| Net interest margin | 8.4776% | 23 |
| Noninterest income to average assets | 3.1250% | 156 |
| Noninterest expense to average assets | 6.5826% | 107 |
| Loan and lease loss provision to assets | 0.3651% | 155 |
| Net operating income to assets | 3.0608% | 75 |
| Return on assets (ROA) | 3.0518% | 74 |
| Pretax return on assets | 4.1521% | 59 |
| Return on Equity (ROE) | 16.7149% | 455 |
| Retained earnings to average equity (ytd only) | 8.9166% | 1,289 |
| Net charge-offs to loans | 0.5280% | 133 |
| Credit loss provision to net charge-offs | 92.2302% | 1,072 |
| Earnings coverage of net charge-offs (x) | 11.4410% | 1,438 |
| Efficiency ratio | 59.2429% | 3,559 |
| Assets per employee ($millions) | 7.8883% | 1,443 |
| Cash dividends to net income (ytd only)* | 46.6548% | 1,338 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3142% | 2,282 |
| Loan loss allowance to noncurrent loans | 316.8807% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 1,819 |
| Noncurrent loans to loans | 0.4147% | 2,007 |
| Net loans and leases to total assets | 76.9136% | 449 |
| Net loans and leases to deposits | 126.5753% | 26 |
| Net loans and leases to core deposits | 481.0482% | 10 |
| Total domestic deposits to total assets | 60.7651% | 4,721 |
| Equity capital to assets | 19.2248% | 186 |
| Core capital (leverage) ratio | 22.1220% | 125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9443% | 436 |
| Memoranda: |
| Average total assets | $1,404,679,000 | 742 |
| Average earning assets | $1,323,256,500 | 729 |
| Average equity | $256,465,500 | 444 |
| Average total loans | $1,053,102,500 | 625 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5857% | 521 |
| Cost of funding earning assets | 0.3502% | 1,934 |
| Net interest margin | 4.2354% | 461 |
| Noninterest income to average assets | 2.3321% | 250 |
| Noninterest expense to average assets | 2.7806% | 1,409 |
| Loan and lease loss provision to assets | 0.0054% | 2,973 |
| Net operating income to assets | 2.6829% | 133 |
| Return on assets (ROA) | 2.6820% | 136 |
| Pretax return on assets | 3.6273% | 94 |
| Return on Equity (ROE) | 26.1165% | 105 |
| Retained earnings to average equity (ytd only) | 17.5724% | 104 |
| Net charge-offs to loans | 0.6551% | 121 |
| Credit loss provision to net charge-offs | 0.9278% | 2,327 |
| Earnings coverage of net charge-offs (x) | 6.2478% | 2,409 |
| Efficiency ratio | 43.3491% | 4,593 |
| Assets per employee ($millions) | 9.1852% | 865 |
| Cash dividends to net income (ytd only)* | 32.7156% | 2,400 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3200% | 2,269 |
| Loan loss allowance to noncurrent loans | 398.1985% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.2394% | 2,360 |
| Noncurrent loans to loans | 0.3315% | 2,398 |
| Net loans and leases to total assets | 71.2774% | 901 |
| Net loans and leases to deposits | 126.1903% | 29 |
| Net loans and leases to core deposits | 490.7472% | 9 |
| Total domestic deposits to total assets | 56.4840% | 4,781 |
| Equity capital to assets | 17.3649% | 282 |
| Core capital (leverage) ratio | 26.7535% | 80 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1134% | 303 |
| Memoranda: |
| Average total assets | $2,279,351,400 | 470 |
| Average earning assets | $2,196,937,000 | 451 |
| Average equity | $234,077,800 | 473 |
| Average total loans | $2,023,697,600 | 361 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9815% | 1,584 |
| Cost of funding earning assets | 0.3691% | 1,945 |
| Net interest margin | 3.6124% | 1,569 |
| Noninterest income to average assets | 2.2058% | 293 |
| Noninterest expense to average assets | 2.2549% | 2,876 |
| Loan and lease loss provision to assets | -0.0990% | 4,602 |
| Net operating income to assets | 2.6050% | 191 |
| Return on assets (ROA) | 2.6043% | 193 |
| Pretax return on assets | 3.5415% | 117 |
| Return on Equity (ROE) | 28.2256% | 109 |
| Retained earnings to average equity (ytd only) | 19.4996% | 149 |
| Net charge-offs to loans | 0.6792% | 115 |
| Credit loss provision to net charge-offs | -15.9837% | 3,069 |
| Earnings coverage of net charge-offs (x) | 5.5578% | 2,221 |
| Efficiency ratio | 39.5714% | 4,733 |
| Assets per employee ($millions) | 9.7416% | 699 |
| Cash dividends to net income (ytd only)* | 30.9151% | 2,031 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0813% | 3,525 |
| Loan loss allowance to noncurrent loans | 422.7273% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.2243% | 2,662 |
| Noncurrent loans to loans | 0.2558% | 2,908 |
| Net loans and leases to total assets | 86.7420% | 56 |
| Net loans and leases to deposits | 255.4572% | 4 |
| Net loans and leases to core deposits | 663.6865% | 9 |
| Total domestic deposits to total assets | 33.9556% | 4,885 |
| Equity capital to assets | 17.0621% | 334 |
| Core capital (leverage) ratio | 29.0165% | 73 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3889% | 268 |
| Memoranda: |
| Average total assets | $2,484,075,750 | 441 |
| Average earning assets | $2,401,621,000 | 420 |
| Average equity | $229,195,500 | 482 |
| Average total loans | $2,265,897,500 | 332 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3743% | 3,251 |
| Cost of funding earning assets | 0.3538% | 2,282 |
| Net interest margin | 3.0205% | 3,272 |
| Noninterest income to average assets | 1.8704% | 365 |
| Noninterest expense to average assets | 1.7663% | 4,253 |
| Loan and lease loss provision to assets | -0.1613% | 4,721 |
| Net operating income to assets | 2.3529% | 266 |
| Return on assets (ROA) | 2.3530% | 283 |
| Pretax return on assets | 3.1961% | 150 |
| Return on Equity (ROE) | 29.7975% | 98 |
| Retained earnings to average equity (ytd only) | 20.8528% | 137 |
| Net charge-offs to loans | 0.7228% | 112 |
| Credit loss provision to net charge-offs | -24.2976% | 2,932 |
| Earnings coverage of net charge-offs (x) | 4.5726% | 2,025 |
| Efficiency ratio | 36.7898% | 4,825 |
| Assets per employee ($millions) | 19.3475% | 105 |
| Cash dividends to net income (ytd only)* | 30.0183% | 2,058 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6481% | 4,600 |
| Loan loss allowance to noncurrent loans | 400.6252% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.1448% | 3,280 |
| Noncurrent loans to loans | 0.1618% | 3,407 |
| Net loans and leases to total assets | 88.9487% | 23 |
| Net loans and leases to deposits | 573.6655% | 1 |
| Net loans and leases to core deposits | 1,459.3842% | 8 |
| Total domestic deposits to total assets | 15.5053% | 4,929 |
| Equity capital to assets | 8.8887% | 3,902 |
| Core capital (leverage) ratio | 28.4293% | 71 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.4701% | 160 |
| Memoranda: |
| Average total assets | $2,831,514,667 | 394 |
| Average earning assets | $2,747,131,667 | 376 |
| Average equity | $223,595,667 | 489 |
| Average total loans | $2,599,769,333 | 296 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0130% | 4,053 |
| Cost of funding earning assets | 0.3148% | 2,843 |
| Net interest margin | 2.6983% | 3,974 |
| Noninterest income to average assets | 1.7188% | 481 |
| Noninterest expense to average assets | 1.5524% | 4,599 |
| Loan and lease loss provision to assets | -0.0979% | 4,715 |
| Net operating income to assets | 2.1367% | 456 |
| Return on assets (ROA) | 2.1350% | 499 |
| Pretax return on assets | 2.8812% | 270 |
| Return on Equity (ROE) | 28.6703% | 167 |
| Retained earnings to average equity (ytd only) | 19.4787% | 289 |
| Net charge-offs to loans | 0.9377% | 82 |
| Credit loss provision to net charge-offs | -11.2421% | 2,694 |
| Earnings coverage of net charge-offs (x) | 3.1994% | 1,773 |
| Efficiency ratio | 35.7864% | 4,851 |
| Assets per employee ($millions) | 25.2570% | 67 |
| Cash dividends to net income (ytd only)* | 32.0595% | 1,645 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6867% | 4,591 |
| Loan loss allowance to noncurrent loans | 416.5069% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 3,406 |
| Noncurrent loans to loans | 0.1649% | 3,517 |
| Net loans and leases to total assets | 91.5421% | 14 |
| Net loans and leases to deposits | 667.0632% | 1 |
| Net loans and leases to core deposits | 1,749.7612% | 7 |
| Total domestic deposits to total assets | 13.7232% | 4,961 |
| Equity capital to assets | 7.0599% | 4,833 |
| Core capital (leverage) ratio | 28.8666% | 68 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.5490% | 144 |
| Memoranda: |
| Average total assets | $2,921,969,000 | 379 |
| Average earning assets | $2,836,198,000 | 363 |
| Average equity | $217,591,000 | 492 |
| Average total loans | $2,713,124,500 | 291 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0973% | 413 |
| Cost of funding earning assets | 0.6133% | 2,221 |
| Net interest margin | 4.4840% | 341 |
| Noninterest income to average assets | 2.3319% | 268 |
| Noninterest expense to average assets | 2.2096% | 3,644 |
| Loan and lease loss provision to assets | 1.0970% | 77 |
| Net operating income to assets | 2.5838% | 126 |
| Return on assets (ROA) | 2.5837% | 131 |
| Pretax return on assets | 3.3134% | 100 |
| Return on Equity (ROE) | 27.7133% | 80 |
| Retained earnings to average equity (ytd only) | 19.6708% | 70 |
| Net charge-offs to loans | 1.7190% | 60 |
| Credit loss provision to net charge-offs | 69.5176% | 3,046 |
| Earnings coverage of net charge-offs (x) | 2.7950% | 3,132 |
| Efficiency ratio | 33.3771% | 4,945 |
| Assets per employee ($millions) | 25.5887% | 58 |
| Cash dividends to net income (ytd only)* | 29.0203% | 2,895 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0754% | 3,578 |
| Loan loss allowance to noncurrent loans | 310.9872% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 2,697 |
| Noncurrent loans to loans | 0.3458% | 2,964 |
| Net loans and leases to total assets | 92.6416% | 8 |
| Net loans and leases to deposits | 699.7085% | 2 |
| Net loans and leases to core deposits | 1,385.4239% | 10 |
| Total domestic deposits to total assets | 13.2400% | 4,983 |
| Equity capital to assets | 7.9013% | 4,746 |
| Core capital (leverage) ratio | 32.3615% | 56 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.2543% | 191 |
| Memoranda: |
| Average total assets | $2,000,575,600 | 477 |
| Average earning assets | $1,913,233,400 | 461 |
| Average equity | $186,510,000 | 541 |
| Average total loans | $1,836,423,400 | 374 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5787% | 197 |
| Cost of funding earning assets | 0.7233% | 1,883 |
| Net interest margin | 4.8554% | 181 |
| Noninterest income to average assets | 2.6717% | 219 |
| Noninterest expense to average assets | 2.4455% | 3,005 |
| Loan and lease loss provision to assets | 2.2384% | 34 |
| Net operating income to assets | 1.8933% | 377 |
| Return on assets (ROA) | 1.8933% | 414 |
| Pretax return on assets | 2.6101% | 180 |
| Return on Equity (ROE) | 19.2312% | 284 |
| Retained earnings to average equity (ytd only) | 15.5289% | 178 |
| Net charge-offs to loans | 1.9809% | 50 |
| Credit loss provision to net charge-offs | 124.0195% | 2,477 |
| Earnings coverage of net charge-offs (x) | 2.6863% | 2,970 |
| Efficiency ratio | 33.5276% | 4,975 |
| Assets per employee ($millions) | 25.5250% | 54 |
| Cash dividends to net income (ytd only)* | 19.2515% | 2,817 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6194% | 1,046 |
| Loan loss allowance to noncurrent loans | 498.6314% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 2,929 |
| Noncurrent loans to loans | 0.3248% | 3,123 |
| Net loans and leases to total assets | 93.0830% | 11 |
| Net loans and leases to deposits | 665.8588% | 2 |
| Net loans and leases to core deposits | 1,305.3317% | 9 |
| Total domestic deposits to total assets | 13.9794% | 5,015 |
| Equity capital to assets | 7.0622% | 4,941 |
| Core capital (leverage) ratio | 29.1626% | 68 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.5127% | 170 |
| Memoranda: |
| Average total assets | $1,829,016,000 | 509 |
| Average earning assets | $1,741,202,000 | 494 |
| Average equity | $180,064,250 | 549 |
| Average total loans | $1,666,487,500 | 402 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0612% | 61 |
| Cost of funding earning assets | 0.9752% | 1,058 |
| Net interest margin | 6.0859% | 62 |
| Noninterest income to average assets | 3.4321% | 140 |
| Noninterest expense to average assets | 3.0324% | 1,500 |
| Loan and lease loss provision to assets | 5.3451% | 12 |
| Net operating income to assets | 0.5048% | 4,006 |
| Return on assets (ROA) | 0.5070% | 4,075 |
| Pretax return on assets | 0.7640% | 3,694 |
| Return on Equity (ROE) | 4.3886% | 3,996 |
| Retained earnings to average equity (ytd only) | -1.3391% | 4,522 |
| Net charge-offs to loans | 2.6942% | 43 |
| Credit loss provision to net charge-offs | 223.0013% | 1,832 |
| Earnings coverage of net charge-offs (x) | 2.5476% | 2,763 |
| Efficiency ratio | 33.1818% | 4,998 |
| Assets per employee ($millions) | 26.7217% | 47 |
| Cash dividends to net income (ytd only)* | 130.5142% | 278 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2405% | 316 |
| Loan loss allowance to noncurrent loans | 456.2761% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 2,405 |
| Noncurrent loans to loans | 0.4910% | 2,680 |
| Net loans and leases to total assets | 95.3223% | 4 |
| Net loans and leases to deposits | 561.6082% | 2 |
| Net loans and leases to core deposits | 1,110.3097% | 9 |
| Total domestic deposits to total assets | 16.9731% | 5,044 |
| Equity capital to assets | 6.4599% | 5,018 |
| Core capital (leverage) ratio | 19.6325% | 225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7409% | 267 |
| Memoranda: |
| Average total assets | $1,511,280,333 | 587 |
| Average earning assets | $1,417,100,333 | 572 |
| Average equity | $174,590,333 | 565 |
| Average total loans | $1,344,514,667 | 484 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 14.4489% | 10 |
| Cost of funding earning assets | 1.6938% | 135 |
| Net interest margin | 12.7551% | 10 |
| Noninterest income to average assets | 7.7199% | 74 |
| Noninterest expense to average assets | 5.4349% | 179 |
| Loan and lease loss provision to assets | 11.3952% | 4 |
| Net operating income to assets | 1.4766% | 826 |
| Return on assets (ROA) | 1.4815% | 892 |
| Pretax return on assets | 2.1703% | 318 |
| Return on Equity (ROE) | 7.7796% | 2,601 |
| Retained earnings to average equity (ytd only) | -3.6677% | 4,413 |
| Net charge-offs to loans | 5.9329% | 14 |
| Credit loss provision to net charge-offs | 251.3898% | 1,278 |
| Earnings coverage of net charge-offs (x) | 2.9913% | 2,242 |
| Efficiency ratio | 28.6134% | 5,070 |
| Assets per employee ($millions) | 6.6735% | 1,251 |
| Cash dividends to net income (ytd only)* | 147.1454% | 471 |
| Condition Ratios (%) |
| Loss allowance to loans | 8.4252% | 13 |
| Loan loss allowance to noncurrent loans | 622.8850% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.9627% | 1,381 |
| Noncurrent loans to loans | 1.3526% | 1,190 |
| Net loans and leases to total assets | 65.1761% | 2,913 |
| Net loans and leases to deposits | 85.1724% | 2,095 |
| Net loans and leases to core deposits | 224.6472% | 30 |
| Total domestic deposits to total assets | 76.5226% | 4,423 |
| Equity capital to assets | 19.8933% | 253 |
| Core capital (leverage) ratio | 17.9965% | 338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8535% | 503 |
| Memoranda: |
| Average total assets | $917,476,000 | 896 |
| Average earning assets | $810,967,500 | 934 |
| Average equity | $174,713,000 | 558 |
| Average total loans | $700,970,500 | 838 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 13.8714% | 14 |
| Cost of funding earning assets | 2.0077% | 58 |
| Net interest margin | 11.8637% | 14 |
| Noninterest income to average assets | 6.6902% | 82 |
| Noninterest expense to average assets | 4.8984% | 232 |
| Loan and lease loss provision to assets | 4.8690% | 9 |
| Net operating income to assets | 5.6122% | 32 |
| Return on assets (ROA) | 5.6144% | 35 |
| Pretax return on assets | 7.7268% | 32 |
| Return on Equity (ROE) | 32.0333% | 33 |
| Retained earnings to average equity (ytd only) | 20.8241% | 27 |
| Net charge-offs to loans | 3.7584% | 26 |
| Credit loss provision to net charge-offs | 178.1296% | 1,463 |
| Earnings coverage of net charge-offs (x) | 4.6071% | 3,197 |
| Efficiency ratio | 28.0047% | 5,139 |
| Assets per employee ($millions) | 7.8748% | 749 |
| Cash dividends to net income (ytd only)* | 34.9923% | 2,857 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.7044% | 38 |
| Loan loss allowance to noncurrent loans | 455.6204% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.8380% | 1,537 |
| Noncurrent loans to loans | 1.0325% | 1,469 |
| Net loans and leases to total assets | 77.3425% | 1,191 |
| Net loans and leases to deposits | 98.4429% | 721 |
| Net loans and leases to core deposits | 256.7626% | 25 |
| Total domestic deposits to total assets | 78.5659% | 4,264 |
| Equity capital to assets | 18.2688% | 346 |
| Core capital (leverage) ratio | 18.3214% | 314 |
| Tier 1 risk-based capital ratio | 18.1849% | 1,718 |
| Total risk-based capital ratio | 19.4687% | 1,663 |
| Memoranda: |
| Average total assets | $890,756,600 | 885 |
| Average earning assets | $810,987,200 | 894 |
| Average equity | $156,121,800 | 602 |
| Average total loans | $647,826,200 | 855 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 13.3750% | 14 |
| Cost of funding earning assets | 2.1199% | 39 |
| Net interest margin | 11.2552% | 17 |
| Noninterest income to average assets | 6.6811% | 82 |
| Noninterest expense to average assets | 4.8065% | 239 |
| Loan and lease loss provision to assets | 4.9491% | 9 |
| Net operating income to assets | 5.2371% | 35 |
| Return on assets (ROA) | 5.2406% | 37 |
| Pretax return on assets | 7.2218% | 33 |
| Return on Equity (ROE) | 30.2526% | 41 |
| Retained earnings to average equity (ytd only) | 19.2353% | 55 |
| Net charge-offs to loans | 3.5065% | 31 |
| Credit loss provision to net charge-offs | 200.4638% | 1,305 |
| Earnings coverage of net charge-offs (x) | 4.9280% | 2,967 |
| Efficiency ratio | 28.3187% | 5,217 |
| Assets per employee ($millions) | 7.1133% | 985 |
| Cash dividends to net income (ytd only)* | 36.4177% | 2,311 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.6844% | 45 |
| Loan loss allowance to noncurrent loans | 507.7730% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.7509% | 1,825 |
| Noncurrent loans to loans | 0.9225% | 1,736 |
| Net loans and leases to total assets | 77.5844% | 1,210 |
| Net loans and leases to deposits | 98.8325% | 734 |
| Net loans and leases to core deposits | 251.2269% | 31 |
| Total domestic deposits to total assets | 78.5009% | 4,264 |
| Equity capital to assets | 18.5371% | 347 |
| Core capital (leverage) ratio | 17.3817% | 398 |
| Tier 1 risk-based capital ratio | 18.3182% | 1,727 |
| Total risk-based capital ratio | 19.6020% | 1,691 |
| Memoranda: |
| Average total assets | $873,263,250 | 900 |
| Average earning assets | $798,523,000 | 907 |
| Average equity | $151,273,750 | 617 |
| Average total loans | $614,849,000 | 897 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 12.5787% | 16 |
| Cost of funding earning assets | 2.0366% | 49 |
| Net interest margin | 10.5421% | 18 |
| Noninterest income to average assets | 6.4162% | 78 |
| Noninterest expense to average assets | 4.5956% | 277 |
| Loan and lease loss provision to assets | 4.8815% | 9 |
| Net operating income to assets | 4.8211% | 35 |
| Return on assets (ROA) | 4.8253% | 38 |
| Pretax return on assets | 6.6390% | 34 |
| Return on Equity (ROE) | 28.5385% | 51 |
| Retained earnings to average equity (ytd only) | 11.5034% | 483 |
| Net charge-offs to loans | 3.2523% | 32 |
| Credit loss provision to net charge-offs | 225.1807% | 1,111 |
| Earnings coverage of net charge-offs (x) | 5.3119% | 2,672 |
| Efficiency ratio | 28.5248% | 5,264 |
| Assets per employee ($millions) | 7.3381% | 872 |
| Cash dividends to net income (ytd only)* | 59.6915% | 1,421 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.5414% | 45 |
| Loan loss allowance to noncurrent loans | 588.3670% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.5411% | 2,387 |
| Noncurrent loans to loans | 0.7719% | 2,057 |
| Net loans and leases to total assets | 66.9182% | 2,982 |
| Net loans and leases to deposits | 82.3612% | 2,688 |
| Net loans and leases to core deposits | 271.6388% | 27 |
| Total domestic deposits to total assets | 81.2497% | 3,737 |
| Equity capital to assets | 16.3792% | 557 |
| Core capital (leverage) ratio | 15.9439% | 553 |
| Tier 1 risk-based capital ratio | 17.8319% | 1,843 |
| Total risk-based capital ratio | 19.1120% | 1,794 |
| Memoranda: |
| Average total assets | $867,962,330 | 903 |
| Average earning assets | $798,189,000 | 903 |
| Average equity | $146,756,330 | 630 |
| Average total loans | $578,546,000 | 937 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 12.0139% | 14 |
| Cost of funding earning assets | 2.0344% | 47 |
| Net interest margin | 9.9795% | 15 |
| Noninterest income to average assets | 6.0616% | 77 |
| Noninterest expense to average assets | 4.4600% | 304 |
| Loan and lease loss provision to assets | 4.0351% | 12 |
| Net operating income to assets | 4.9141% | 42 |
| Return on assets (ROA) | 4.9183% | 45 |
| Pretax return on assets | 6.7467% | 37 |
| Return on Equity (ROE) | 28.5958% | 57 |
| Retained earnings to average equity (ytd only) | 7.8220% | 1,730 |
| Net charge-offs to loans | 2.7226% | 37 |
| Credit loss provision to net charge-offs | 228.8571% | 971 |
| Earnings coverage of net charge-offs (x) | 6.1121% | 2,218 |
| Efficiency ratio | 29.2718% | 5,321 |
| Assets per employee ($millions) | 7.6199% | 770 |
| Cash dividends to net income (ytd only)* | 72.6463% | 1,063 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9798% | 63 |
| Loan loss allowance to noncurrent loans | 514.8760% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.5393% | 2,484 |
| Noncurrent loans to loans | 0.7730% | 2,100 |
| Net loans and leases to total assets | 66.9949% | 2,898 |
| Net loans and leases to deposits | 84.7994% | 2,285 |
| Net loans and leases to core deposits | 468.4633% | 14 |
| Total domestic deposits to total assets | 79.0040% | 4,347 |
| Equity capital to assets | 18.0542% | 347 |
| Core capital (leverage) ratio | 17.1788% | 407 |
| Tier 1 risk-based capital ratio | 20.6002% | 1,231 |
| Total risk-based capital ratio | 21.8742% | 1,202 |
| Memoranda: |
| Average total assets | $839,642,000 | 932 |
| Average earning assets | $771,941,500 | 934 |
| Average equity | $144,413,000 | 639 |
| Average total loans | $543,737,000 | 997 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.6174% | 24 |
| Cost of funding earning assets | 1.5299% | 80 |
| Net interest margin | 8.0875% | 27 |
| Noninterest income to average assets | 7.8949% | 65 |
| Noninterest expense to average assets | 4.4098% | 324 |
| Loan and lease loss provision to assets | 2.6423% | 24 |
| Net operating income to assets | 6.1707% | 28 |
| Return on assets (ROA) | 6.1687% | 28 |
| Pretax return on assets | 8.3831% | 28 |
| Return on Equity (ROE) | 36.9551% | 17 |
| Retained earnings to average equity (ytd only) | 30.7257% | 9 |
| Net charge-offs to loans | 1.6924% | 63 |
| Credit loss provision to net charge-offs | 287.1911% | 1,059 |
| Earnings coverage of net charge-offs (x) | 11.9864% | 2,585 |
| Efficiency ratio | 28.5651% | 5,370 |
| Assets per employee ($millions) | 9.2721% | 424 |
| Cash dividends to net income (ytd only)* | 16.8566% | 3,604 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3705% | 91 |
| Loan loss allowance to noncurrent loans | 530.9381% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.3816% | 3,033 |
| Noncurrent loans to loans | 0.6348% | 2,397 |
| Net loans and leases to total assets | 58.0860% | 3,951 |
| Net loans and leases to deposits | 71.1120% | 3,740 |
| Net loans and leases to core deposits | 371.7207% | 17 |
| Total domestic deposits to total assets | 81.6824% | 3,725 |
| Equity capital to assets | 16.4071% | 478 |
| Core capital (leverage) ratio | 18.3392% | 305 |
| Tier 1 risk-based capital ratio | 21.3022% | 1,125 |
| Total risk-based capital ratio | 22.5696% | 1,103 |
| Memoranda: |
| Average total assets | $721,276,000 | 1,031 |
| Average earning assets | $672,705,400 | 1,023 |
| Average equity | $120,397,400 | 715 |
| Average total loans | $392,095,800 | 1,276 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.5808% | 30 |
| Cost of funding earning assets | 1.4565% | 78 |
| Net interest margin | 7.1243% | 34 |
| Noninterest income to average assets | 8.1523% | 65 |
| Noninterest expense to average assets | 4.4714% | 301 |
| Loan and lease loss provision to assets | 2.5469% | 28 |
| Net operating income to assets | 5.7754% | 31 |
| Return on assets (ROA) | 5.7712% | 31 |
| Pretax return on assets | 7.8060% | 29 |
| Return on Equity (ROE) | 34.3868% | 25 |
| Retained earnings to average equity (ytd only) | 25.6722% | 21 |
| Net charge-offs to loans | 1.6049% | 74 |
| Credit loss provision to net charge-offs | 302.1050% | 1,017 |
| Earnings coverage of net charge-offs (x) | 12.2866% | 2,461 |
| Efficiency ratio | 30.1523% | 5,430 |
| Assets per employee ($millions) | 8.3366% | 561 |
| Cash dividends to net income (ytd only)* | 25.3430% | 2,782 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1056% | 124 |
| Loan loss allowance to noncurrent loans | 570.3673% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.3229% | 3,390 |
| Noncurrent loans to loans | 0.5445% | 2,747 |
| Net loans and leases to total assets | 57.4703% | 4,093 |
| Net loans and leases to deposits | 70.6958% | 3,865 |
| Net loans and leases to core deposits | 369.4580% | 17 |
| Total domestic deposits to total assets | 81.2925% | 3,790 |
| Equity capital to assets | 16.9220% | 425 |
| Core capital (leverage) ratio | 17.6171% | 364 |
| Tier 1 risk-based capital ratio | 21.6795% | 1,093 |
| Total risk-based capital ratio | 22.9435% | 1,075 |
| Memoranda: |
| Average total assets | $683,700,500 | 1,078 |
| Average earning assets | $640,797,250 | 1,064 |
| Average equity | $114,746,500 | 743 |
| Average total loans | $359,138,750 | 1,367 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.7295% | 44 |
| Cost of funding earning assets | 1.3320% | 96 |
| Net interest margin | 6.3975% | 52 |
| Noninterest income to average assets | 8.2366% | 67 |
| Noninterest expense to average assets | 4.4240% | 319 |
| Loan and lease loss provision to assets | 2.1323% | 31 |
| Net operating income to assets | 5.6718% | 31 |
| Return on assets (ROA) | 5.6670% | 31 |
| Pretax return on assets | 7.6688% | 30 |
| Return on Equity (ROE) | 33.8737% | 22 |
| Retained earnings to average equity (ytd only) | 20.2625% | 63 |
| Net charge-offs to loans | 1.6390% | 72 |
| Credit loss provision to net charge-offs | 260.5937% | 1,111 |
| Earnings coverage of net charge-offs (x) | 11.9855% | 2,233 |
| Efficiency ratio | 31.0868% | 5,490 |
| Assets per employee ($millions) | 8.2488% | 573 |
| Cash dividends to net income (ytd only)* | 40.1822% | 2,119 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4290% | 265 |
| Loan loss allowance to noncurrent loans | 414.0693% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3182% | 3,497 |
| Noncurrent loans to loans | 0.5866% | 2,663 |
| Net loans and leases to total assets | 52.9295% | 4,416 |
| Net loans and leases to deposits | 64.3659% | 4,262 |
| Net loans and leases to core deposits | 308.2953% | 22 |
| Total domestic deposits to total assets | 82.2322% | 3,646 |
| Equity capital to assets | 16.1797% | 476 |
| Core capital (leverage) ratio | 17.8459% | 323 |
| Tier 1 risk-based capital ratio | 21.9620% | 1,037 |
| Total risk-based capital ratio | 23.2189% | 1,021 |
| Memoranda: |
| Average total assets | $658,722,330 | 1,108 |
| Average earning assets | $617,245,330 | 1,095 |
| Average equity | $110,203,330 | 771 |
| Average total loans | $328,863,670 | 1,485 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0991% | 54 |
| Cost of funding earning assets | 1.2125% | 131 |
| Net interest margin | 5.8866% | 77 |
| Noninterest income to average assets | 7.4390% | 69 |
| Noninterest expense to average assets | 4.2416% | 382 |
| Loan and lease loss provision to assets | 1.8031% | 39 |
| Net operating income to assets | 5.0983% | 36 |
| Return on assets (ROA) | 5.0907% | 36 |
| Pretax return on assets | 6.9079% | 34 |
| Return on Equity (ROE) | 29.8590% | 43 |
| Retained earnings to average equity (ytd only) | 1.7114% | 4,435 |
| Net charge-offs to loans | 1.3670% | 106 |
| Credit loss provision to net charge-offs | 278.1836% | 860 |
| Earnings coverage of net charge-offs (x) | 13.4541% | 1,755 |
| Efficiency ratio | 32.7229% | 5,545 |
| Assets per employee ($millions) | 7.6794% | 714 |
| Cash dividends to net income (ytd only)* | 94.2685% | 631 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2176% | 377 |
| Loan loss allowance to noncurrent loans | 365.1971% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 3,598 |
| Noncurrent loans to loans | 0.6072% | 2,728 |
| Net loans and leases to total assets | 49.9118% | 4,565 |
| Net loans and leases to deposits | 61.5743% | 4,366 |
| Net loans and leases to core deposits | 261.1081% | 30 |
| Total domestic deposits to total assets | 81.0595% | 4,185 |
| Equity capital to assets | 17.1620% | 389 |
| Core capital (leverage) ratio | 17.8410% | 317 |
| Tier 1 risk-based capital ratio | 22.9458% | 951 |
| Total risk-based capital ratio | 24.1994% | 928 |
| Memoranda: |
| Average total assets | $625,135,500 | 1,176 |
| Average earning assets | $586,554,500 | 1,152 |
| Average equity | $106,581,000 | 795 |
| Average total loans | $296,406,500 | 1,624 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5681% | 72 |
| Cost of funding earning assets | 0.9844% | 236 |
| Net interest margin | 5.5837% | 95 |
| Noninterest income to average assets | 9.6945% | 60 |
| Noninterest expense to average assets | 4.5351% | 307 |
| Loan and lease loss provision to assets | 1.1131% | 87 |
| Net operating income to assets | 5.4425% | 28 |
| Return on assets (ROA) | 5.4425% | 28 |
| Pretax return on assets | 9.2949% | 23 |
| Return on Equity (ROE) | 28.5746% | 41 |
| Retained earnings to average equity (ytd only) | 18.2094% | 50 |
| Net charge-offs to loans | 0.8133% | 245 |
| Credit loss provision to net charge-offs | 299.2569% | 952 |
| Earnings coverage of net charge-offs (x) | 27.9830% | 1,617 |
| Efficiency ratio | 30.3493% | 5,626 |
| Assets per employee ($millions) | 7.6614% | 715 |
| Cash dividends to net income (ytd only)* | 36.2739% | 3,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9023% | 647 |
| Loan loss allowance to noncurrent loans | 547.2309% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 4,375 |
| Noncurrent loans to loans | 0.3476% | 3,514 |
| Net loans and leases to total assets | 42.9880% | 5,034 |
| Net loans and leases to deposits | 52.8138% | 4,944 |
| Net loans and leases to core deposits | 187.7630% | 47 |
| Total domestic deposits to total assets | 81.3954% | 4,023 |
| Equity capital to assets | 16.9377% | 405 |
| Core capital (leverage) ratio | 18.9830% | 235 |
| Tier 1 risk-based capital ratio | 27.6899% | 560 |
| Total risk-based capital ratio | 28.9419% | 545 |
| Memoranda: |
| Average total assets | $506,535,800 | 1,386 |
| Average earning assets | $476,133,400 | 1,365 |
| Average equity | $96,477,400 | 852 |
| Average total loans | $231,638,400 | 1,929 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3114% | 91 |
| Cost of funding earning assets | 0.9287% | 298 |
| Net interest margin | 5.3827% | 127 |
| Noninterest income to average assets | 10.2848% | 59 |
| Noninterest expense to average assets | 4.9788% | 224 |
| Loan and lease loss provision to assets | 1.1518% | 87 |
| Net operating income to assets | 5.5300% | 32 |
| Return on assets (ROA) | 5.5300% | 32 |
| Pretax return on assets | 9.2164% | 26 |
| Return on Equity (ROE) | 28.0109% | 39 |
| Retained earnings to average equity (ytd only) | 13.8260% | 166 |
| Net charge-offs to loans | 0.6717% | 288 |
| Credit loss provision to net charge-offs | 369.8741% | 829 |
| Earnings coverage of net charge-offs (x) | 33.2950% | 1,469 |
| Efficiency ratio | 32.4417% | 5,679 |
| Assets per employee ($millions) | 6.5016% | 1,178 |
| Cash dividends to net income (ytd only)* | 50.6406% | 1,736 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3894% | 1,936 |
| Loan loss allowance to noncurrent loans | 461.3169% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1869% | 4,356 |
| Noncurrent loans to loans | 0.3012% | 3,861 |
| Net loans and leases to total assets | 61.1871% | 3,751 |
| Net loans and leases to deposits | 76.9316% | 3,278 |
| Net loans and leases to core deposits | 282.4647% | 26 |
| Total domestic deposits to total assets | 79.5344% | 4,429 |
| Equity capital to assets | 18.9525% | 274 |
| Core capital (leverage) ratio | 20.8975% | 177 |
| Tier 1 risk-based capital ratio | 25.0295% | 747 |
| Total risk-based capital ratio | 26.2170% | 743 |
| Memoranda: |
| Average total assets | $476,110,250 | 1,475 |
| Average earning assets | $447,771,500 | 1,453 |
| Average equity | $93,994,500 | 880 |
| Average total loans | $220,722,000 | 2,002 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5645% | 224 |
| Cost of funding earning assets | 0.8954% | 317 |
| Net interest margin | 4.6691% | 420 |
| Noninterest income to average assets | 10.5120% | 57 |
| Noninterest expense to average assets | 5.0195% | 216 |
| Loan and lease loss provision to assets | 0.4716% | 255 |
| Net operating income to assets | 5.6463% | 34 |
| Return on assets (ROA) | 5.6463% | 34 |
| Pretax return on assets | 9.4102% | 29 |
| Return on Equity (ROE) | 28.1766% | 47 |
| Retained earnings to average equity (ytd only) | 17.3619% | 86 |
| Net charge-offs to loans | 0.4156% | 488 |
| Credit loss provision to net charge-offs | 280.4124% | 1,010 |
| Earnings coverage of net charge-offs (x) | 58.7603% | 962 |
| Efficiency ratio | 33.6853% | 5,716 |
| Assets per employee ($millions) | 5.8272% | 1,592 |
| Cash dividends to net income (ytd only)* | 38.3818% | 2,405 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9607% | 4,365 |
| Loan loss allowance to noncurrent loans | 6,063.8889% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 5,272 |
| Noncurrent loans to loans | 0.0158% | 5,109 |
| Net loans and leases to total assets | 48.2729% | 4,806 |
| Net loans and leases to deposits | 62.6654% | 4,460 |
| Net loans and leases to core deposits | 223.9865% | 37 |
| Total domestic deposits to total assets | 77.0328% | 4,952 |
| Equity capital to assets | 20.7773% | 195 |
| Core capital (leverage) ratio | 21.2800% | 159 |
| Tier 1 risk-based capital ratio | 29.6804% | 482 |
| Total risk-based capital ratio | 30.4077% | 495 |
| Memoranda: |
| Average total assets | $461,436,670 | 1,520 |
| Average earning assets | $433,784,670 | 1,508 |
| Average equity | $92,466,670 | 891 |
| Average total loans | $186,717,000 | 2,286 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2617% | 341 |
| Cost of funding earning assets | 0.8136% | 449 |
| Net interest margin | 4.4481% | 577 |
| Noninterest income to average assets | 8.7778% | 68 |
| Noninterest expense to average assets | 4.7209% | 285 |
| Loan and lease loss provision to assets | 0.1072% | 1,783 |
| Net operating income to assets | 4.8908% | 44 |
| Return on assets (ROA) | 4.8908% | 43 |
| Pretax return on assets | 8.1513% | 34 |
| Return on Equity (ROE) | 24.8719% | 89 |
| Retained earnings to average equity (ytd only) | 13.7941% | 311 |
| Net charge-offs to loans | 0.1201% | 1,208 |
| Credit loss provision to net charge-offs | 246.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 189.5600% | 298 |
| Efficiency ratio | 36.3722% | 5,749 |
| Assets per employee ($millions) | 6.0484% | 1,473 |
| Cash dividends to net income (ytd only)* | 44.5395% | 1,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8742% | 4,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 38.8961% | 5,293 |
| Net loans and leases to deposits | 50.2073% | 5,121 |
| Net loans and leases to core deposits | 177.6242% | 52 |
| Total domestic deposits to total assets | 77.4709% | 5,045 |
| Equity capital to assets | 20.2428% | 205 |
| Core capital (leverage) ratio | 21.0875% | 161 |
| Tier 1 risk-based capital ratio | 33.7933% | 359 |
| Total risk-based capital ratio | 34.4352% | 366 |
| Memoranda: |
| Average total assets | $459,066,500 | 1,536 |
| Average earning assets | $433,625,500 | 1,508 |
| Average equity | $90,270,500 | 909 |
| Average total loans | $166,465,500 | 2,498 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 15.0227% | 9 |
| Cost of funding earning assets | 0.7082% | 788 |
| Net interest margin | 14.3144% | 9 |
| Noninterest income to average assets | 4.1041% | 143 |
| Noninterest expense to average assets | 4.8313% | 287 |
| Loan and lease loss provision to assets | 0.2004% | 1,154 |
| Net operating income to assets | 7.5373% | 19 |
| Return on assets (ROA) | 7.5373% | 20 |
| Pretax return on assets | 12.6268% | 21 |
| Return on Equity (ROE) | 37.5577% | 17 |
| Retained earnings to average equity (ytd only) | 31.1240% | 15 |
| Net charge-offs to loans | -0.0373% | 5,315 |
| Credit loss provision to net charge-offs | -1,007.7922% | 5,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.3595% | 5,878 |
| Assets per employee ($millions) | 7.4920% | 734 |
| Cash dividends to net income (ytd only)* | 17.1303% | 3,820 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9572% | 4,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 33.0349% | 5,573 |
| Net loans and leases to deposits | 41.8891% | 5,494 |
| Net loans and leases to core deposits | 132.6805% | 255 |
| Total domestic deposits to total assets | 78.8627% | 4,822 |
| Equity capital to assets | 19.0986% | 238 |
| Core capital (leverage) ratio | 22.2363% | 135 |
| Tier 1 risk-based capital ratio | 33.2833% | 366 |
| Total risk-based capital ratio | 33.9103% | 382 |
| Memoranda: |
| Average total assets | $387,248,800 | 1,732 |
| Average earning assets | $366,686,200 | 1,697 |
| Average equity | $77,715,000 | 1,019 |
| Average total loans | $206,231,600 | 2,069 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 16.3366% | 7 |
| Cost of funding earning assets | 0.7014% | 808 |
| Net interest margin | 15.6352% | 7 |
| Noninterest income to average assets | 4.0082% | 151 |
| Noninterest expense to average assets | 5.1312% | 243 |
| Loan and lease loss provision to assets | 0.3330% | 491 |
| Net operating income to assets | 7.9527% | 21 |
| Return on assets (ROA) | 7.9527% | 22 |
| Pretax return on assets | 13.3502% | 20 |
| Return on Equity (ROE) | 39.0322% | 18 |
| Retained earnings to average equity (ytd only) | 30.1394% | 12 |
| Net charge-offs to loans | -0.0365% | 5,239 |
| Credit loss provision to net charge-offs | -1,531.6667% | 5,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.2727% | 5,944 |
| Assets per employee ($millions) | 6.2000% | 1,295 |
| Cash dividends to net income (ytd only)* | 22.7832% | 3,114 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8367% | 5,083 |
| Loan loss allowance to noncurrent loans | 471.8475% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 5,083 |
| Noncurrent loans to loans | 0.1773% | 4,640 |
| Net loans and leases to total assets | 50.4229% | 4,793 |
| Net loans and leases to deposits | 65.6142% | 4,377 |
| Net loans and leases to core deposits | 203.6882% | 44 |
| Total domestic deposits to total assets | 76.8476% | 5,116 |
| Equity capital to assets | 21.5466% | 182 |
| Core capital (leverage) ratio | 23.0562% | 122 |
| Tier 1 risk-based capital ratio | 27.6603% | 602 |
| Total risk-based capital ratio | 28.2706% | 627 |
| Memoranda: |
| Average total assets | $367,934,500 | 1,821 |
| Average earning assets | $348,428,250 | 1,785 |
| Average equity | $74,965,250 | 1,062 |
| Average total loans | $219,056,500 | 1,988 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 18.4207% | 6 |
| Cost of funding earning assets | 0.6898% | 847 |
| Net interest margin | 17.7308% | 6 |
| Noninterest income to average assets | 3.5922% | 169 |
| Noninterest expense to average assets | 5.2668% | 236 |
| Loan and lease loss provision to assets | 0.2387% | 829 |
| Net operating income to assets | 8.8650% | 19 |
| Return on assets (ROA) | 8.8650% | 20 |
| Pretax return on assets | 14.9109% | 18 |
| Return on Equity (ROE) | 44.3931% | 15 |
| Retained earnings to average equity (ytd only) | 44.3931% | 5 |
| Net charge-offs to loans | -0.0325% | 5,163 |
| Credit loss provision to net charge-offs | -1,175.6757% | 5,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.7968% | 6,024 |
| Assets per employee ($millions) | 6.0993% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7487% | 5,409 |
| Loan loss allowance to noncurrent loans | 41.2271% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 0.7090% | 2,850 |
| Noncurrent loans to loans | 1.8160% | 1,132 |
| Net loans and leases to total assets | 38.6322% | 5,487 |
| Net loans and leases to deposits | 50.2354% | 5,321 |
| Net loans and leases to core deposits | 148.7148% | 131 |
| Total domestic deposits to total assets | 76.9024% | 5,172 |
| Equity capital to assets | 21.3412% | 174 |
| Core capital (leverage) ratio | 21.9691% | 136 |
| Tier 1 risk-based capital ratio | 31.3789% | 441 |
| Total risk-based capital ratio | 31.8812% | 464 |
| Memoranda: |
| Average total assets | $364,513,000 | 1,839 |
| Average earning assets | $345,872,330 | 1,793 |
| Average equity | $72,790,670 | 1,095 |
| Average total loans | $227,972,670 | 1,928 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 20.4576% | 5 |
| Cost of funding earning assets | 0.6242% | 1,189 |
| Net interest margin | 19.8334% | 4 |
| Noninterest income to average assets | 3.1480% | 192 |
| Noninterest expense to average assets | 5.5702% | 207 |
| Loan and lease loss provision to assets | 0.2662% | 637 |
| Net operating income to assets | 9.6083% | 16 |
| Return on assets (ROA) | 9.6083% | 15 |
| Pretax return on assets | 16.1424% | 13 |
| Return on Equity (ROE) | 49.9285% | 19 |
| Retained earnings to average equity (ytd only) | 49.9285% | 10 |
| Net charge-offs to loans | -0.0313% | 5,086 |
| Credit loss provision to net charge-offs | -1,133.3333% | 4,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.3434% | 6,088 |
| Assets per employee ($millions) | 6.3584% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2876% | 6,011 |
| Loan loss allowance to noncurrent loans | 259.9415% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 5,224 |
| Noncurrent loans to loans | 0.1107% | 5,032 |
| Net loans and leases to total assets | 79.4571% | 895 |
| Net loans and leases to deposits | 101.2847% | 546 |
| Net loans and leases to core deposits | 321.8363% | 25 |
| Total domestic deposits to total assets | 78.4493% | 5,068 |
| Equity capital to assets | 18.8557% | 269 |
| Core capital (leverage) ratio | 22.9730% | 118 |
| Tier 1 risk-based capital ratio | 19.4205% | 1,627 |
| Total risk-based capital ratio | 19.7065% | 1,822 |
| Memoranda: |
| Average total assets | $357,691,500 | 1,875 |
| Average earning assets | $339,609,000 | 1,830 |
| Average equity | $68,834,500 | 1,143 |
| Average total loans | $268,363,000 | 1,677 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 24.4988% | 3 |
| Cost of funding earning assets | 0.6048% | 1,334 |
| Net interest margin | 23.8939% | 3 |
| Noninterest income to average assets | 3.3431% | 183 |
| Noninterest expense to average assets | 5.8939% | 188 |
| Loan and lease loss provision to assets | -0.0190% | 5,662 |
| Net operating income to assets | 11.9408% | 15 |
| Return on assets (ROA) | 11.9408% | 15 |
| Pretax return on assets | 19.8942% | 14 |
| Return on Equity (ROE) | 62.8379% | 8 |
| Retained earnings to average equity (ytd only) | 44.8414% | 6 |
| Net charge-offs to loans | -0.0766% | 5,702 |
| Credit loss provision to net charge-offs | 40.6504% | 3,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.8718% | 6,160 |
| Assets per employee ($millions) | 5.6469% | 1,657 |
| Cash dividends to net income (ytd only)* | 28.6396% | 3,413 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2767% | 6,066 |
| Loan loss allowance to noncurrent loans | 183.6735% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.1072% | 5,169 |
| Noncurrent loans to loans | 0.1507% | 4,893 |
| Net loans and leases to total assets | 69.3156% | 2,485 |
| Net loans and leases to deposits | 89.6438% | 1,667 |
| Net loans and leases to core deposits | 236.7906% | 35 |
| Total domestic deposits to total assets | 77.3233% | 5,270 |
| Equity capital to assets | 19.7041% | 216 |
| Core capital (leverage) ratio | 19.6817% | 205 |
| Tier 1 risk-based capital ratio | 22.3731% | 1,102 |
| Total risk-based capital ratio | 22.6567% | 1,213 |
| Memoranda: |
| Average total assets | $263,172,600 | 2,395 |
| Average earning assets | $247,004,400 | 2,369 |
| Average equity | $50,009,600 | 1,490 |
| Average total loans | $160,491,600 | 2,460 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 22.8715% | 4 |
| Cost of funding earning assets | 0.5746% | 1,584 |
| Net interest margin | 22.2968% | 4 |
| Noninterest income to average assets | 3.2646% | 192 |
| Noninterest expense to average assets | 5.8148% | 188 |
| Loan and lease loss provision to assets | -0.0210% | 5,848 |
| Net operating income to assets | 11.0259% | 16 |
| Return on assets (ROA) | 11.0259% | 16 |
| Pretax return on assets | 18.3667% | 14 |
| Return on Equity (ROE) | 58.7416% | 11 |
| Retained earnings to average equity (ytd only) | 32.8680% | 22 |
| Net charge-offs to loans | -0.0946% | 5,759 |
| Credit loss provision to net charge-offs | 38.2353% | 3,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.0675% | 6,242 |
| Assets per employee ($millions) | 5.3608% | 1,895 |
| Cash dividends to net income (ytd only)* | 44.0464% | 2,135 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3854% | 6,100 |
| Loan loss allowance to noncurrent loans | 177.1429% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 5,098 |
| Noncurrent loans to loans | 0.2176% | 4,785 |
| Net loans and leases to total assets | 57.4857% | 4,201 |
| Net loans and leases to deposits | 73.2701% | 3,620 |
| Net loans and leases to core deposits | 181.7438% | 48 |
| Total domestic deposits to total assets | 78.4573% | 5,096 |
| Equity capital to assets | 19.2095% | 268 |
| Core capital (leverage) ratio | 20.4785% | 183 |
| Tier 1 risk-based capital ratio | 22.1080% | 1,181 |
| Total risk-based capital ratio | 22.4416% | 1,296 |
| Memoranda: |
| Average total assets | $247,085,500 | 2,549 |
| Average earning assets | $231,560,750 | 2,514 |
| Average equity | $46,378,250 | 1,601 |
| Average total loans | $143,701,250 | 2,703 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 21.3657% | 4 |
| Cost of funding earning assets | 0.5604% | 1,732 |
| Net interest margin | 20.8053% | 4 |
| Noninterest income to average assets | 3.3704% | 188 |
| Noninterest expense to average assets | 5.8226% | 190 |
| Loan and lease loss provision to assets | 0.0245% | 3,647 |
| Net operating income to assets | 10.2204% | 20 |
| Return on assets (ROA) | 10.2204% | 20 |
| Pretax return on assets | 17.0188% | 18 |
| Return on Equity (ROE) | 54.9559% | 19 |
| Retained earnings to average equity (ytd only) | 25.4024% | 42 |
| Net charge-offs to loans | -0.0536% | 5,570 |
| Credit loss provision to net charge-offs | -78.3784% | 4,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.4641% | 6,315 |
| Assets per employee ($millions) | 4.9543% | 2,331 |
| Cash dividends to net income (ytd only)* | 53.7768% | 1,785 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3881% | 6,169 |
| Loan loss allowance to noncurrent loans | 146.4789% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.2156% | 5,007 |
| Noncurrent loans to loans | 0.2649% | 4,719 |
| Net loans and leases to total assets | 64.6628% | 3,171 |
| Net loans and leases to deposits | 82.0666% | 2,542 |
| Net loans and leases to core deposits | 226.6238% | 40 |
| Total domestic deposits to total assets | 78.7931% | 5,139 |
| Equity capital to assets | 19.2547% | 254 |
| Core capital (leverage) ratio | 19.4309% | 226 |
| Tier 1 risk-based capital ratio | 21.4992% | 1,283 |
| Total risk-based capital ratio | 21.8652% | 1,407 |
| Memoranda: |
| Average total assets | $236,526,330 | 2,644 |
| Average earning assets | $221,635,330 | 2,612 |
| Average equity | $43,988,000 | 1,690 |
| Average total loans | $137,978,670 | 2,775 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 19.0043% | 5 |
| Cost of funding earning assets | 0.5226% | 2,084 |
| Net interest margin | 18.4817% | 5 |
| Noninterest income to average assets | 3.4244% | 193 |
| Noninterest expense to average assets | 6.0243% | 189 |
| Loan and lease loss provision to assets | 0.1074% | 1,914 |
| Net operating income to assets | 8.7229% | 25 |
| Return on assets (ROA) | 8.7229% | 26 |
| Pretax return on assets | 14.5065% | 24 |
| Return on Equity (ROE) | 47.8099% | 26 |
| Retained earnings to average equity (ytd only) | 0.3418% | 5,260 |
| Net charge-offs to loans | -0.0600% | 5,614 |
| Credit loss provision to net charge-offs | -326.3158% | 4,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.1901% | 6,371 |
| Assets per employee ($millions) | 5.6268% | 1,691 |
| Cash dividends to net income (ytd only)* | 99.2851% | 698 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4738% | 6,189 |
| Loan loss allowance to noncurrent loans | 166.1458% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 5,119 |
| Noncurrent loans to loans | 0.2852% | 4,751 |
| Net loans and leases to total assets | 56.7044% | 4,126 |
| Net loans and leases to deposits | 71.2461% | 3,621 |
| Net loans and leases to core deposits | 194.6517% | 47 |
| Total domestic deposits to total assets | 79.5895% | 5,145 |
| Equity capital to assets | 17.8374% | 345 |
| Core capital (leverage) ratio | 19.0965% | 239 |
| Tier 1 risk-based capital ratio | 20.9027% | 1,443 |
| Total risk-based capital ratio | 21.3128% | 1,569 |
| Memoranda: |
| Average total assets | $230,931,500 | 2,714 |
| Average earning assets | $215,088,500 | 2,685 |
| Average equity | $42,133,500 | 1,759 |
| Average total loans | $126,566,000 | 2,972 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 14.0192% | 13 |
| Cost of funding earning assets | 0.4153% | 3,535 |
| Net interest margin | 13.6038% | 10 |
| Noninterest income to average assets | 6.1673% | 99 |
| Noninterest expense to average assets | 5.3935% | 242 |
| Loan and lease loss provision to assets | -0.0264% | 5,954 |
| Net operating income to assets | 8.2049% | 24 |
| Return on assets (ROA) | 8.2049% | 24 |
| Pretax return on assets | 13.4382% | 22 |
| Return on Equity (ROE) | 43.6302% | 21 |
| Retained earnings to average equity (ytd only) | 28.1714% | 30 |
| Net charge-offs to loans | -0.1949% | 6,259 |
| Credit loss provision to net charge-offs | 27.3224% | 3,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.6806% | 6,468 |
| Assets per employee ($millions) | 5.9352% | 1,427 |
| Cash dividends to net income (ytd only)* | 35.4313% | 3,094 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4701% | 6,280 |
| Loan loss allowance to noncurrent loans | 126.0181% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2439% | 5,051 |
| Noncurrent loans to loans | 0.3730% | 4,530 |
| Net loans and leases to total assets | 52.2885% | 4,762 |
| Net loans and leases to deposits | 66.3697% | 4,284 |
| Net loans and leases to core deposits | 161.7620% | 77 |
| Total domestic deposits to total assets | 78.7837% | 5,293 |
| Equity capital to assets | 18.6722% | 279 |
| Core capital (leverage) ratio | 19.5278% | 227 |
| Tier 1 risk-based capital ratio | 24.5577% | 884 |
| Total risk-based capital ratio | 24.9921% | 965 |
| Memoranda: |
| Average total assets | $189,191,600 | 3,108 |
| Average earning assets | $175,759,200 | 3,091 |
| Average equity | $35,578,600 | 1,967 |
| Average total loans | $93,891,600 | 3,551 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 12.0020% | 16 |
| Cost of funding earning assets | 0.3966% | 3,825 |
| Net interest margin | 11.6054% | 16 |
| Noninterest income to average assets | 6.5834% | 93 |
| Noninterest expense to average assets | 5.6721% | 210 |
| Loan and lease loss provision to assets | -0.0385% | 6,146 |
| Net operating income to assets | 7.1705% | 26 |
| Return on assets (ROA) | 7.1705% | 26 |
| Pretax return on assets | 11.7373% | 24 |
| Return on Equity (ROE) | 38.0449% | 33 |
| Retained earnings to average equity (ytd only) | 16.4419% | 153 |
| Net charge-offs to loans | -0.2006% | 6,313 |
| Credit loss provision to net charge-offs | 39.3939% | 3,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.6529% | 6,525 |
| Assets per employee ($millions) | 5.2788% | 1,923 |
| Cash dividends to net income (ytd only)* | 56.7830% | 1,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4541% | 6,376 |
| Loan loss allowance to noncurrent loans | 103.9175% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 0.2956% | 5,084 |
| Noncurrent loans to loans | 0.4370% | 4,589 |
| Net loans and leases to total assets | 55.0754% | 4,451 |
| Net loans and leases to deposits | 69.1501% | 4,013 |
| Net loans and leases to core deposits | 167.3620% | 66 |
| Total domestic deposits to total assets | 79.6462% | 5,186 |
| Equity capital to assets | 18.0816% | 329 |
| Core capital (leverage) ratio | 20.2069% | 205 |
| Tier 1 risk-based capital ratio | 26.8596% | 718 |
| Total risk-based capital ratio | 27.4275% | 751 |
| Memoranda: |
| Average total assets | $180,104,750 | 3,235 |
| Average earning assets | $167,412,500 | 3,215 |
| Average equity | $33,945,000 | 2,052 |
| Average total loans | $87,742,500 | 3,715 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 11.0399% | 19 |
| Cost of funding earning assets | 0.3992% | 3,875 |
| Net interest margin | 10.6407% | 18 |
| Noninterest income to average assets | 6.7061% | 91 |
| Noninterest expense to average assets | 5.7897% | 195 |
| Loan and lease loss provision to assets | -0.1778% | 6,449 |
| Net operating income to assets | 6.7084% | 33 |
| Return on assets (ROA) | 6.7084% | 32 |
| Pretax return on assets | 10.9699% | 25 |
| Return on Equity (ROE) | 35.0441% | 41 |
| Retained earnings to average equity (ytd only) | 19.9701% | 84 |
| Net charge-offs to loans | -0.2300% | 6,374 |
| Credit loss provision to net charge-offs | 167.3913% | 1,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.9158% | 6,581 |
| Assets per employee ($millions) | 4.8882% | 2,354 |
| Cash dividends to net income (ytd only)* | 43.0145% | 2,267 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4381% | 6,464 |
| Loan loss allowance to noncurrent loans | 73.7271% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 0.3404% | 5,018 |
| Noncurrent loans to loans | 0.5942% | 4,242 |
| Net loans and leases to total assets | 46.7501% | 5,293 |
| Net loans and leases to deposits | 60.0654% | 4,860 |
| Net loans and leases to core deposits | 147.6454% | 108 |
| Total domestic deposits to total assets | 77.8320% | 5,667 |
| Equity capital to assets | 20.1155% | 209 |
| Core capital (leverage) ratio | 20.2367% | 190 |
| Tier 1 risk-based capital ratio | 32.4165% | 427 |
| Total risk-based capital ratio | 32.9888% | 446 |
| Memoranda: |
| Average total assets | $173,274,330 | 3,339 |
| Average earning assets | $160,816,670 | 3,312 |
| Average equity | $33,169,670 | 2,086 |
| Average total loans | $79,995,670 | 3,909 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.3963% | 26 |
| Cost of funding earning assets | 0.3958% | 4,027 |
| Net interest margin | 9.0005% | 23 |
| Noninterest income to average assets | 6.7216% | 89 |
| Noninterest expense to average assets | 6.0329% | 187 |
| Loan and lease loss provision to assets | -0.2094% | 6,570 |
| Net operating income to assets | 5.7141% | 40 |
| Return on assets (ROA) | 5.7141% | 40 |
| Pretax return on assets | 9.3111% | 31 |
| Return on Equity (ROE) | 30.6468% | 62 |
| Retained earnings to average equity (ytd only) | -0.5490% | 5,657 |
| Net charge-offs to loans | -0.3762% | 6,516 |
| Credit loss provision to net charge-offs | 121.6216% | 1,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8616% | 6,592 |
| Assets per employee ($millions) | 4.8013% | 2,510 |
| Cash dividends to net income (ytd only)* | 101.7915% | 654 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5061% | 6,499 |
| Loan loss allowance to noncurrent loans | 81.6000% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 0.3645% | 5,070 |
| Noncurrent loans to loans | 0.6202% | 4,314 |
| Net loans and leases to total assets | 46.4044% | 5,289 |
| Net loans and leases to deposits | 58.5373% | 4,887 |
| Net loans and leases to core deposits | 154.0969% | 86 |
| Total domestic deposits to total assets | 79.2731% | 5,635 |
| Equity capital to assets | 18.5336% | 287 |
| Core capital (leverage) ratio | 18.7456% | 260 |
| Tier 1 risk-based capital ratio | 32.6192% | 421 |
| Total risk-based capital ratio | 33.5087% | 431 |
| Memoranda: |
| Average total assets | $171,924,500 | 3,379 |
| Average earning assets | $160,702,000 | 3,340 |
| Average equity | $32,055,500 | 2,150 |
| Average total loans | $78,678,500 | 3,979 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 13.6668% | 12 |
| Cost of funding earning assets | 0.4556% | 4,062 |
| Net interest margin | 13.2112% | 11 |
| Noninterest income to average assets | 6.1960% | 105 |
| Noninterest expense to average assets | 6.0936% | 194 |
| Loan and lease loss provision to assets | -0.0554% | 6,397 |
| Net operating income to assets | 7.8158% | 27 |
| Return on assets (ROA) | 7.8158% | 27 |
| Pretax return on assets | 12.8039% | 23 |
| Return on Equity (ROE) | 34.9432% | 41 |
| Retained earnings to average equity (ytd only) | 11.7323% | 342 |
| Net charge-offs to loans | -0.3448% | 6,688 |
| Credit loss provision to net charge-offs | 36.1991% | 4,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.3402% | 6,753 |
| Assets per employee ($millions) | 5.0294% | 2,151 |
| Cash dividends to net income (ytd only)* | 66.4246% | 1,471 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5525% | 6,522 |
| Loan loss allowance to noncurrent loans | 82.9746% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 5,125 |
| Noncurrent loans to loans | 0.6659% | 4,309 |
| Net loans and leases to total assets | 44.6290% | 5,615 |
| Net loans and leases to deposits | 56.3630% | 5,268 |
| Net loans and leases to core deposits | 137.8814% | 137 |
| Total domestic deposits to total assets | 79.1814% | 5,622 |
| Equity capital to assets | 18.7578% | 276 |
| Core capital (leverage) ratio | 23.0338% | 115 |
| Tier 1 risk-based capital ratio | 33.8466% | 369 |
| Total risk-based capital ratio | 34.7842% | 371 |
| Memoranda: |
| Average total assets | $144,464,200 | 3,797 |
| Average earning assets | $138,284,400 | 3,693 |
| Average equity | $32,312,400 | 2,114 |
| Average total loans | $64,102,000 | 4,479 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 14.6298% | 11 |
| Cost of funding earning assets | 0.4973% | 3,793 |
| Net interest margin | 14.1325% | 10 |
| Noninterest income to average assets | 5.9144% | 115 |
| Noninterest expense to average assets | 6.1649% | 188 |
| Loan and lease loss provision to assets | -0.0339% | 6,521 |
| Net operating income to assets | 8.1596% | 21 |
| Return on assets (ROA) | 8.1596% | 21 |
| Pretax return on assets | 13.3640% | 20 |
| Return on Equity (ROE) | 34.7416% | 44 |
| Retained earnings to average equity (ytd only) | 34.7416% | 23 |
| Net charge-offs to loans | -0.1050% | 6,508 |
| Credit loss provision to net charge-offs | 72.9167% | 3,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.6231% | 6,824 |
| Assets per employee ($millions) | 4.0910% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5756% | 6,596 |
| Loan loss allowance to noncurrent loans | 11.2419% | 6,349 |
| Noncurrent assets plus other real estate owned to assets | 1.9864% | 2,032 |
| Noncurrent loans to loans | 5.1199% | 572 |
| Net loans and leases to total assets | 36.7600% | 6,241 |
| Net loans and leases to deposits | 51.2705% | 5,760 |
| Net loans and leases to core deposits | 109.1983% | 612 |
| Total domestic deposits to total assets | 71.6983% | 6,514 |
| Equity capital to assets | 26.4044% | 78 |
| Core capital (leverage) ratio | 26.7638% | 72 |
| Tier 1 risk-based capital ratio | 50.3695% | 134 |
| Total risk-based capital ratio | 51.4061% | 134 |
| Memoranda: |
| Average total assets | $137,830,000 | 3,956 |
| Average earning assets | $132,447,500 | 3,829 |
| Average equity | $32,371,500 | 2,133 |
| Average total loans | $60,942,500 | 4,622 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 14.6688% | 10 |
| Cost of funding earning assets | 0.5192% | 3,709 |
| Net interest margin | 14.1496% | 9 |
| Noninterest income to average assets | 5.4785% | 137 |
| Noninterest expense to average assets | 6.3388% | 181 |
| Loan and lease loss provision to assets | -0.0437% | 6,637 |
| Net operating income to assets | 7.8845% | 22 |
| Return on assets (ROA) | 7.8845% | 22 |
| Pretax return on assets | 12.9075% | 20 |
| Return on Equity (ROE) | 35.0392% | 45 |
| Retained earnings to average equity (ytd only) | 35.0392% | 23 |
| Net charge-offs to loans | -0.1684% | 6,618 |
| Credit loss provision to net charge-offs | 55.5556% | 3,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.0099% | 6,860 |
| Assets per employee ($millions) | 3.9520% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4548% | 6,740 |
| Loan loss allowance to noncurrent loans | 11.5356% | 6,408 |
| Noncurrent assets plus other real estate owned to assets | 2.0525% | 2,107 |
| Noncurrent loans to loans | 3.9422% | 997 |
| Net loans and leases to total assets | 48.7424% | 5,253 |
| Net loans and leases to deposits | 66.0210% | 4,263 |
| Net loans and leases to core deposits | 139.6582% | 136 |
| Total domestic deposits to total assets | 73.8286% | 6,453 |
| Equity capital to assets | 24.3726% | 94 |
| Core capital (leverage) ratio | 24.2668% | 89 |
| Tier 1 risk-based capital ratio | 47.0902% | 149 |
| Total risk-based capital ratio | 48.3402% | 147 |
| Memoranda: |
| Average total assets | $137,408,670 | 3,994 |
| Average earning assets | $133,276,000 | 3,836 |
| Average equity | $30,919,670 | 2,227 |
| Average total loans | $64,114,330 | 4,532 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 13.3489% | 14 |
| Cost of funding earning assets | 0.5361% | 3,719 |
| Net interest margin | 12.8128% | 13 |
| Noninterest income to average assets | 5.2719% | 137 |
| Noninterest expense to average assets | 6.4664% | 177 |
| Loan and lease loss provision to assets | -0.1548% | 6,872 |
| Net operating income to assets | 7.0506% | 30 |
| Return on assets (ROA) | 7.0506% | 32 |
| Pretax return on assets | 11.5251% | 26 |
| Return on Equity (ROE) | 32.7061% | 58 |
| Retained earnings to average equity (ytd only) | 32.7061% | 35 |
| Net charge-offs to loans | -0.2375% | 6,720 |
| Credit loss provision to net charge-offs | 143.2432% | 1,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.2535% | 6,918 |
| Assets per employee ($millions) | 4.4304% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4750% | 6,809 |
| Loan loss allowance to noncurrent loans | 44.5743% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 0.5592% | 4,990 |
| Noncurrent loans to loans | 1.0655% | 4,016 |
| Net loans and leases to total assets | 40.7367% | 5,940 |
| Net loans and leases to deposits | 54.0957% | 5,427 |
| Net loans and leases to core deposits | 117.7675% | 309 |
| Total domestic deposits to total assets | 75.3049% | 6,428 |
| Equity capital to assets | 22.3732% | 143 |
| Core capital (leverage) ratio | 22.4664% | 122 |
| Tier 1 risk-based capital ratio | 54.2007% | 115 |
| Total risk-based capital ratio | 55.4554% | 115 |
| Memoranda: |
| Average total assets | $136,953,500 | 4,038 |
| Average earning assets | $134,303,000 | 3,859 |
| Average equity | $29,523,500 | 2,334 |
| Average total loans | $62,307,500 | 4,623 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 12.3817% | 16 |
| Cost of funding earning assets | 0.8300% | 2,423 |
| Net interest margin | 11.5518% | 16 |
| Noninterest income to average assets | 3.7813% | 194 |
| Noninterest expense to average assets | 5.4928% | 274 |
| Loan and lease loss provision to assets | -0.3178% | 7,016 |
| Net operating income to assets | 6.1843% | 36 |
| Return on assets (ROA) | 6.1843% | 36 |
| Pretax return on assets | 9.9748% | 32 |
| Return on Equity (ROE) | 29.3497% | 69 |
| Retained earnings to average equity (ytd only) | 11.2192% | 416 |
| Net charge-offs to loans | -0.3737% | 6,992 |
| Credit loss provision to net charge-offs | 244.7059% | 1,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.2518% | 6,987 |
| Assets per employee ($millions) | 4.1383% | 3,671 |
| Cash dividends to net income (ytd only)* | 61.7742% | 1,709 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4152% | 6,888 |
| Loan loss allowance to noncurrent loans | 10.0638% | 6,549 |
| Noncurrent assets plus other real estate owned to assets | 2.1162% | 2,315 |
| Noncurrent loans to loans | 4.1258% | 1,117 |
| Net loans and leases to total assets | 49.8777% | 5,185 |
| Net loans and leases to deposits | 65.4040% | 4,370 |
| Net loans and leases to core deposits | 135.5576% | 150 |
| Total domestic deposits to total assets | 76.2609% | 6,327 |
| Equity capital to assets | 20.7368% | 195 |
| Core capital (leverage) ratio | 20.0654% | 194 |
| Tier 1 risk-based capital ratio | 41.2157% | 213 |
| Total risk-based capital ratio | 42.4681% | 213 |
| Memoranda: |
| Average total assets | $130,880,400 | 4,129 |
| Average earning assets | $128,802,800 | 3,928 |
| Average equity | $27,577,800 | 2,436 |
| Average total loans | $45,495,200 | 5,269 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.4970% | 24 |
| Cost of funding earning assets | 0.9097% | 2,109 |
| Net interest margin | 9.5873% | 22 |
| Noninterest income to average assets | 3.3853% | 216 |
| Noninterest expense to average assets | 5.4770% | 270 |
| Loan and lease loss provision to assets | -0.3316% | 7,128 |
| Net operating income to assets | 4.8004% | 45 |
| Return on assets (ROA) | 4.8004% | 46 |
| Pretax return on assets | 7.6614% | 38 |
| Return on Equity (ROE) | 22.6869% | 205 |
| Retained earnings to average equity (ytd only) | 22.6869% | 59 |
| Net charge-offs to loans | -0.3956% | 7,081 |
| Credit loss provision to net charge-offs | 272.8814% | 997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7583% | 6,938 |
| Assets per employee ($millions) | 3.8150% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7254% | 6,712 |
| Loan loss allowance to noncurrent loans | 134.2975% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.2322% | 6,121 |
| Noncurrent loans to loans | 0.5401% | 5,361 |
| Net loans and leases to total assets | 33.3121% | 6,688 |
| Net loans and leases to deposits | 44.3231% | 6,483 |
| Net loans and leases to core deposits | 92.5548% | 1,726 |
| Total domestic deposits to total assets | 75.1575% | 6,499 |
| Equity capital to assets | 22.3876% | 159 |
| Core capital (leverage) ratio | 22.3235% | 135 |
| Tier 1 risk-based capital ratio | 67.1591% | 80 |
| Total risk-based capital ratio | 68.4272% | 80 |
| Memoranda: |
| Average total assets | $129,459,500 | 4,200 |
| Average earning assets | $127,220,250 | 3,993 |
| Average equity | $27,392,500 | 2,470 |
| Average total loans | $39,769,250 | 5,586 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.4095% | 29 |
| Cost of funding earning assets | 0.9833% | 1,862 |
| Net interest margin | 8.4262% | 29 |
| Noninterest income to average assets | 3.1662% | 228 |
| Noninterest expense to average assets | 5.3191% | 305 |
| Loan and lease loss provision to assets | -0.3809% | 7,192 |
| Net operating income to assets | 4.0732% | 64 |
| Return on assets (ROA) | 4.0732% | 64 |
| Pretax return on assets | 6.4963% | 49 |
| Return on Equity (ROE) | 19.6468% | 376 |
| Retained earnings to average equity (ytd only) | 19.6468% | 112 |
| Net charge-offs to loans | -0.5303% | 7,137 |
| Credit loss provision to net charge-offs | 241.5842% | 1,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5046% | 6,859 |
| Assets per employee ($millions) | 4.0369% | 3,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1151% | 5,724 |
| Loan loss allowance to noncurrent loans | 38.4462% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 0.7810% | 4,837 |
| Noncurrent loans to loans | 2.9004% | 2,062 |
| Net loans and leases to total assets | 24.9392% | 7,011 |
| Net loans and leases to deposits | 31.9990% | 6,962 |
| Net loans and leases to core deposits | 69.9542% | 4,536 |
| Total domestic deposits to total assets | 77.9373% | 6,165 |
| Equity capital to assets | 20.2814% | 223 |
| Core capital (leverage) ratio | 21.6231% | 145 |
| Tier 1 risk-based capital ratio | 81.6107% | 56 |
| Total risk-based capital ratio | 82.8986% | 55 |
| Memoranda: |
| Average total assets | $128,104,330 | 4,247 |
| Average earning assets | $125,703,000 | 4,040 |
| Average equity | $26,559,000 | 2,526 |
| Average total loans | $38,090,670 | 5,684 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.7682% | 27 |
| Cost of funding earning assets | 0.9292% | 2,447 |
| Net interest margin | 8.8390% | 24 |
| Noninterest income to average assets | 3.2737% | 213 |
| Noninterest expense to average assets | 5.1874% | 327 |
| Loan and lease loss provision to assets | -0.4695% | 7,255 |
| Net operating income to assets | 4.5204% | 49 |
| Return on assets (ROA) | 4.5204% | 56 |
| Pretax return on assets | 7.2112% | 42 |
| Return on Equity (ROE) | 21.5432% | 294 |
| Retained earnings to average equity (ytd only) | 21.5432% | 143 |
| Net charge-offs to loans | -0.6528% | 7,174 |
| Credit loss provision to net charge-offs | 223.0769% | 1,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4582% | 7,011 |
| Assets per employee ($millions) | 4.0798% | 3,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2696% | 5,163 |
| Loan loss allowance to noncurrent loans | 44.4995% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 1.0965% | 4,297 |
| Noncurrent loans to loans | 2.8531% | 2,264 |
| Net loans and leases to total assets | 28.5275% | 6,960 |
| Net loans and leases to deposits | 37.8925% | 6,823 |
| Net loans and leases to core deposits | 145.2775% | 126 |
| Total domestic deposits to total assets | 75.2856% | 6,612 |
| Equity capital to assets | 21.7478% | 152 |
| Core capital (leverage) ratio | 21.4153% | 149 |
| Tier 1 risk-based capital ratio | 77.1667% | 57 |
| Total risk-based capital ratio | 78.4749% | 57 |
| Memoranda: |
| Average total assets | $123,529,500 | 4,359 |
| Average earning assets | $120,963,500 | 4,178 |
| Average equity | $25,920,000 | 2,577 |
| Average total loans | $39,828,000 | 5,648 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 11.2621% | 22 |
| Cost of funding earning assets | 0.9859% | 3,473 |
| Net interest margin | 10.2762% | 22 |
| Noninterest income to average assets | 4.1285% | 148 |
| Noninterest expense to average assets | 6.8517% | 145 |
| Loan and lease loss provision to assets | 0.0081% | 6,433 |
| Net operating income to assets | 6.1123% | 33 |
| Return on assets (ROA) | 6.1123% | 34 |
| Pretax return on assets | 7.2570% | 41 |
| Return on Equity (ROE) | 27.3557% | 67 |
| Retained earnings to average equity (ytd only) | 27.3557% | 15 |
| Net charge-offs to loans | 2.8050% | 375 |
| Credit loss provision to net charge-offs | 0.7851% | 6,064 |
| Earnings coverage of net charge-offs (x) | 7.0010% | 2,415 |
| Efficiency ratio | 48.4129% | 6,926 |
| Assets per employee ($millions) | 4.1555% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1944% | 5,418 |
| Loan loss allowance to noncurrent loans | 52.3244% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 1.0781% | 4,463 |
| Noncurrent loans to loans | 2.2826% | 2,869 |
| Net loans and leases to total assets | 35.1037% | 6,812 |
| Net loans and leases to deposits | 45.6087% | 6,643 |
| Net loans and leases to core deposits | 173.9971% | 85 |
| Total domestic deposits to total assets | 76.9671% | 6,347 |
| Equity capital to assets | 20.2318% | 222 |
| Core capital (leverage) ratio | 20.4373% | 183 |
| Tier 1 risk-based capital ratio | 57.4574% | 104 |
| Total risk-based capital ratio | 58.7556% | 104 |
| Memoranda: |
| Average total assets | $98,194,800 | 4,943 |
| Average earning assets | $95,444,000 | 4,773 |
| Average equity | $21,940,600 | 2,900 |
| Average total loans | $36,328,600 | 5,857 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.6677% | 27 |
| Cost of funding earning assets | 0.9722% | 3,868 |
| Net interest margin | 9.6955% | 24 |
| Noninterest income to average assets | 4.5891% | 139 |
| Noninterest expense to average assets | 7.3146% | 128 |
| Loan and lease loss provision to assets | 0.2795% | 3,284 |
| Net operating income to assets | 6.0698% | 34 |
| Return on assets (ROA) | 6.0698% | 35 |
| Pretax return on assets | 6.4032% | 48 |
| Return on Equity (ROE) | 26.3185% | 110 |
| Retained earnings to average equity (ytd only) | 26.3185% | 34 |
| Net charge-offs to loans | 3.0481% | 308 |
| Credit loss provision to net charge-offs | 24.4586% | 5,501 |
| Earnings coverage of net charge-offs (x) | 5.8471% | 2,683 |
| Efficiency ratio | 52.1219% | 6,663 |
| Assets per employee ($millions) | 4.2000% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7920% | 1,043 |
| Loan loss allowance to noncurrent loans | 263.0556% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.6305% | 5,560 |
| Noncurrent loans to loans | 1.0614% | 4,789 |
| Net loans and leases to total assets | 27.0700% | 7,171 |
| Net loans and leases to deposits | 34.6389% | 7,109 |
| Net loans and leases to core deposits | 139.9686% | 180 |
| Total domestic deposits to total assets | 78.1492% | 6,161 |
| Equity capital to assets | 19.2046% | 301 |
| Core capital (leverage) ratio | 24.7472% | 115 |
| Tier 1 risk-based capital ratio | 70.2176% | 80 |
| Total risk-based capital ratio | 71.5511% | 80 |
| Memoranda: |
| Average total assets | $91,577,250 | 5,178 |
| Average earning assets | $88,864,000 | 4,997 |
| Average equity | $21,120,250 | 2,991 |
| Average total loans | $34,338,000 | 6,006 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 11.0485% | 26 |
| Cost of funding earning assets | 1.0542% | 3,574 |
| Net interest margin | 9.9943% | 25 |
| Noninterest income to average assets | 4.9593% | 136 |
| Noninterest expense to average assets | 8.5543% | 99 |
| Loan and lease loss provision to assets | 0.1570% | 4,350 |
| Net operating income to assets | 5.7053% | 42 |
| Return on assets (ROA) | 5.7053% | 43 |
| Pretax return on assets | 5.9261% | 55 |
| Return on Equity (ROE) | 22.8352% | 206 |
| Retained earnings to average equity (ytd only) | 22.8352% | 68 |
| Net charge-offs to loans | 1.7692% | 803 |
| Credit loss provision to net charge-offs | 20.9836% | 5,119 |
| Earnings coverage of net charge-offs (x) | 8.1279% | 2,113 |
| Efficiency ratio | 58.2900% | 6,126 |
| Assets per employee ($millions) | 2.6851% | 6,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6371% | 541 |
| Loan loss allowance to noncurrent loans | 94.5415% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 2.0701% | 3,152 |
| Noncurrent loans to loans | 3.8471% | 1,805 |
| Net loans and leases to total assets | 44.1973% | 6,419 |
| Net loans and leases to deposits | 64.6189% | 5,194 |
| Net loans and leases to core deposits | 312.3332% | 48 |
| Total domestic deposits to total assets | 68.3969% | 7,171 |
| Equity capital to assets | 27.6541% | 94 |
| Core capital (leverage) ratio | 27.0334% | 99 |
| Tier 1 risk-based capital ratio | 62.9699% | 99 |
| Total risk-based capital ratio | 64.3129% | 99 |
| Memoranda: |
| Average total assets | $81,503,330 | 5,502 |
| Average earning assets | $78,924,670 | 5,345 |
| Average equity | $20,363,330 | 3,078 |
| Average total loans | $34,478,000 | 6,050 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.6764% | 31 |
| Cost of funding earning assets | 1.0662% | 3,741 |
| Net interest margin | 9.6102% | 30 |
| Noninterest income to average assets | 5.2808% | 130 |
| Noninterest expense to average assets | 8.1181% | 104 |
| Loan and lease loss provision to assets | 0.5569% | 1,552 |
| Net operating income to assets | 5.5160% | 46 |
| Return on assets (ROA) | 5.5160% | 48 |
| Pretax return on assets | 5.9097% | 60 |
| Return on Equity (ROE) | 23.2379% | 205 |
| Retained earnings to average equity (ytd only) | 23.2379% | 118 |
| Net charge-offs to loans | 3.9575% | 228 |
| Credit loss provision to net charge-offs | 34.6269% | 4,040 |
| Earnings coverage of net charge-offs (x) | 4.0209% | 2,575 |
| Efficiency ratio | 55.4970% | 6,556 |
| Assets per employee ($millions) | 2.8279% | 6,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4899% | 608 |
| Loan loss allowance to noncurrent loans | 73.6343% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 2.2339% | 3,023 |
| Noncurrent loans to loans | 4.7395% | 1,454 |
| Net loans and leases to total assets | 44.5451% | 6,426 |
| Net loans and leases to deposits | 62.1624% | 5,477 |
| Net loans and leases to core deposits | 343.3042% | 42 |
| Total domestic deposits to total assets | 71.6592% | 7,100 |
| Equity capital to assets | 24.8156% | 120 |
| Core capital (leverage) ratio | 24.1454% | 120 |
| Tier 1 risk-based capital ratio | 56.4553% | 119 |
| Total risk-based capital ratio | 57.7934% | 117 |
| Memoranda: |
| Average total assets | $83,320,500 | 5,485 |
| Average earning assets | $80,664,000 | 5,342 |
| Average equity | $19,778,000 | 3,149 |
| Average total loans | $33,859,500 | 6,132 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 11.7249% | 28 |
| Cost of funding earning assets | 1.1573% | 4,806 |
| Net interest margin | 10.5675% | 27 |
| Noninterest income to average assets | 3.8147% | 173 |
| Noninterest expense to average assets | 8.3640% | 105 |
| Loan and lease loss provision to assets | -0.5832% | 7,647 |
| Net operating income to assets | 5.9977% | 26 |
| Return on assets (ROA) | 5.9977% | 27 |
| Pretax return on assets | 6.1143% | 37 |
| Return on Equity (ROE) | 27.6951% | 59 |
| Retained earnings to average equity (ytd only) | 27.6951% | 16 |
| Net charge-offs to loans | 0.6909% | 2,935 |
| Credit loss provision to net charge-offs | -180.2575% | 7,055 |
| Earnings coverage of net charge-offs (x) | 17.0944% | 1,175 |
| Efficiency ratio | 59.8341% | 6,074 |
| Assets per employee ($millions) | 3.0226% | 6,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.1562% | 174 |
| Loan loss allowance to noncurrent loans | 95.4151% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 2.0158% | 3,331 |
| Noncurrent loans to loans | 5.4040% | 1,219 |
| Net loans and leases to total assets | 33.4708% | 7,244 |
| Net loans and leases to deposits | 45.7492% | 7,055 |
| Net loans and leases to core deposits | 299.4714% | 47 |
| Total domestic deposits to total assets | 73.1615% | 6,986 |
| Equity capital to assets | 22.6924% | 164 |
| Core capital (leverage) ratio | 24.0827% | 133 |
| Tier 1 risk-based capital ratio | 67.2135% | 82 |
| Total risk-based capital ratio | 68.5906% | 82 |
| Memoranda: |
| Average total assets | $72,011,000 | 5,813 |
| Average earning assets | $68,691,600 | 5,710 |
| Average equity | $15,594,800 | 3,842 |
| Average total loans | $33,721,800 | 6,222 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.4720% | 36 |
| Cost of funding earning assets | 1.1753% | 5,005 |
| Net interest margin | 9.2967% | 32 |
| Noninterest income to average assets | 3.8979% | 177 |
| Noninterest expense to average assets | 8.5007% | 102 |
| Loan and lease loss provision to assets | -0.6293% | 7,754 |
| Net operating income to assets | 4.7034% | 33 |
| Return on assets (ROA) | 4.7034% | 33 |
| Pretax return on assets | 4.8642% | 55 |
| Return on Equity (ROE) | 22.0428% | 195 |
| Retained earnings to average equity (ytd only) | 22.0428% | 57 |
| Net charge-offs to loans | 0.6342% | 2,848 |
| Credit loss provision to net charge-offs | -196.9697% | 6,947 |
| Earnings coverage of net charge-offs (x) | 13.2548% | 1,600 |
| Efficiency ratio | 66.2916% | 4,803 |
| Assets per employee ($millions) | 3.2218% | 5,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9173% | 396 |
| Loan loss allowance to noncurrent loans | 39.3939% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 6.3371% | 908 |
| Noncurrent loans to loans | 9.9439% | 429 |
| Net loans and leases to total assets | 54.0214% | 5,848 |
| Net loans and leases to deposits | 73.4396% | 4,604 |
| Net loans and leases to core deposits | 471.8288% | 35 |
| Total domestic deposits to total assets | 73.5590% | 6,980 |
| Equity capital to assets | 22.3931% | 183 |
| Core capital (leverage) ratio | 23.9691% | 138 |
| Tier 1 risk-based capital ratio | 40.6925% | 235 |
| Total risk-based capital ratio | 42.0211% | 229 |
| Memoranda: |
| Average total assets | $68,855,750 | 5,976 |
| Average earning assets | $65,455,250 | 5,881 |
| Average equity | $14,692,250 | 4,055 |
| Average total loans | $34,685,500 | 6,257 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 10.0973% | 36 |
| Cost of funding earning assets | 1.2043% | 5,105 |
| Net interest margin | 8.8931% | 33 |
| Noninterest income to average assets | 3.8980% | 170 |
| Noninterest expense to average assets | 9.0954% | 95 |
| Loan and lease loss provision to assets | -1.9051% | 7,828 |
| Net operating income to assets | 5.0369% | 35 |
| Return on assets (ROA) | 5.0369% | 34 |
| Pretax return on assets | 5.1398% | 49 |
| Return on Equity (ROE) | 24.0701% | 148 |
| Retained earnings to average equity (ytd only) | 24.0701% | 55 |
| Net charge-offs to loans | -2.2295% | 7,773 |
| Credit loss provision to net charge-offs | 177.6836% | 2,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2498% | 3,612 |
| Assets per employee ($millions) | 3.4151% | 5,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.6067% | 72 |
| Loan loss allowance to noncurrent loans | 46.1501% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 6.3908% | 886 |
| Noncurrent loans to loans | 14.3157% | 193 |
| Net loans and leases to total assets | 39.6963% | 7,184 |
| Net loans and leases to deposits | 55.7571% | 6,747 |
| Net loans and leases to core deposits | 332.3079% | 46 |
| Total domestic deposits to total assets | 71.1952% | 7,248 |
| Equity capital to assets | 24.2295% | 146 |
| Core capital (leverage) ratio | 25.2922% | 125 |
| Tier 1 risk-based capital ratio | 59.0442% | 113 |
| Total risk-based capital ratio | 60.4282% | 110 |
| Memoranda: |
| Average total assets | $66,033,330 | 6,106 |
| Average earning assets | $62,610,670 | 5,999 |
| Average equity | $13,818,000 | 4,240 |
| Average total loans | $31,756,000 | 6,449 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 11.0042% | 36 |
| Cost of funding earning assets | 1.2256% | 5,253 |
| Net interest margin | 9.7786% | 36 |
| Noninterest income to average assets | 3.7843% | 173 |
| Noninterest expense to average assets | 9.2204% | 89 |
| Loan and lease loss provision to assets | -2.9399% | 7,929 |
| Net operating income to assets | 6.9831% | 24 |
| Return on assets (ROA) | 6.9831% | 27 |
| Pretax return on assets | 6.7489% | 41 |
| Return on Equity (ROE) | 36.3943% | 46 |
| Retained earnings to average equity (ytd only) | 36.3943% | 37 |
| Net charge-offs to loans | -4.3963% | 7,878 |
| Credit loss provision to net charge-offs | 131.0440% | 2,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1514% | 4,274 |
| Assets per employee ($millions) | 2.8026% | 6,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.7489% | 68 |
| Loan loss allowance to noncurrent loans | 45.1977% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 7.7631% | 640 |
| Noncurrent loans to loans | 14.9319% | 182 |
| Net loans and leases to total assets | 44.5865% | 6,944 |
| Net loans and leases to deposits | 59.5019% | 6,509 |
| Net loans and leases to core deposits | 365.7885% | 44 |
| Total domestic deposits to total assets | 74.9329% | 6,913 |
| Equity capital to assets | 20.1973% | 280 |
| Core capital (leverage) ratio | 19.7896% | 263 |
| Tier 1 risk-based capital ratio | 43.6375% | 204 |
| Total risk-based capital ratio | 45.0219% | 202 |
| Memoranda: |
| Average total assets | $64,899,500 | 6,214 |
| Average earning assets | $61,358,500 | 6,116 |
| Average equity | $12,452,500 | 4,602 |
| Average total loans | $33,118,500 | 6,459 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.6440% | 111 |
| Cost of funding earning assets | 1.1356% | 6,864 |
| Net interest margin | 6.5083% | 69 |
| Noninterest income to average assets | 3.5156% | 195 |
| Noninterest expense to average assets | 12.9325% | 74 |
| Loan and lease loss provision to assets | 14.6925% | 4 |
| Net operating income to assets | -17.4032% | 8,001 |
| Return on assets (ROA) | -17.4032% | 8,001 |
| Pretax return on assets | -18.1285% | 8,002 |
| Return on Equity (ROE) | -66.4792% | 7,792 |
| Retained earnings to average equity (ytd only) | -66.4792% | 7,788 |
| Net charge-offs to loans | 20.0059% | 5 |
| Credit loss provision to net charge-offs | 98.3861% | 5,662 |
| Earnings coverage of net charge-offs (x) | -0.2301% | 6,489 |
| Efficiency ratio | 135.0407% | 427 |
| Assets per employee ($millions) | 2.6136% | 7,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.1919% | 94 |
| Loan loss allowance to noncurrent loans | 43.3399% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 8.3594% | 516 |
| Noncurrent loans to loans | 14.2869% | 198 |
| Net loans and leases to total assets | 50.8479% | 6,546 |
| Net loans and leases to deposits | 66.1661% | 6,025 |
| Net loans and leases to core deposits | 69.1130% | 6,824 |
| Total domestic deposits to total assets | 76.8488% | 6,521 |
| Equity capital to assets | 18.1910% | 431 |
| Core capital (leverage) ratio | 23.4948% | 183 |
| Tier 1 risk-based capital ratio | 34.2563% | 364 |
| Total risk-based capital ratio | 35.6157% | 350 |
| Memoranda: |
| Average total assets | $45,227,200 | 6,904 |
| Average earning assets | $41,562,200 | 6,881 |
| Average equity | $11,839,800 | 4,790 |
| Average total loans | $33,760,000 | 6,414 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5243% | 714 |
| Cost of funding earning assets | 1.2756% | 6,640 |
| Net interest margin | 5.2487% | 283 |
| Noninterest income to average assets | 3.3665% | 193 |
| Noninterest expense to average assets | 12.6866% | 79 |
| Loan and lease loss provision to assets | 20.5041% | 2 |
| Net operating income to assets | -24.2886% | 8,092 |
| Return on assets (ROA) | -24.2886% | 8,092 |
| Pretax return on assets | -25.0614% | 8,092 |
| Return on Equity (ROE) | -82.5461% | 7,973 |
| Retained earnings to average equity (ytd only) | -82.5461% | 7,972 |
| Net charge-offs to loans | 24.6302% | 4 |
| Credit loss provision to net charge-offs | 100.3571% | 5,059 |
| Earnings coverage of net charge-offs (x) | -0.2231% | 6,303 |
| Efficiency ratio | 154.5084% | 294 |
| Assets per employee ($millions) | 1.7257% | 7,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 8.4873% | 25 |
| Loan loss allowance to noncurrent loans | 54.1473% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 11.8264% | 234 |
| Noncurrent loans to loans | 15.6745% | 132 |
| Net loans and leases to total assets | 63.1327% | 5,047 |
| Net loans and leases to deposits | 99.8605% | 1,117 |
| Net loans and leases to core deposits | 99.8605% | 4,390 |
| Total domestic deposits to total assets | 63.2209% | 7,796 |
| Equity capital to assets | 31.3270% | 101 |
| Core capital (leverage) ratio | 35.7266% | 91 |
| Tier 1 risk-based capital ratio | 44.4355% | 214 |
| Total risk-based capital ratio | 45.8029% | 211 |
| Memoranda: |
| Average total assets | $40,199,000 | 7,137 |
| Average earning assets | $36,478,250 | 7,138 |
| Average equity | $11,828,250 | 4,838 |
| Average total loans | $33,345,750 | 6,492 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8676% | 398 |
| Cost of funding earning assets | 1.6717% | 5,409 |
| Net interest margin | 5.1959% | 300 |
| Noninterest income to average assets | 4.2855% | 157 |
| Noninterest expense to average assets | 9.9286% | 115 |
| Loan and lease loss provision to assets | 17.5385% | 7 |
| Net operating income to assets | -14.3776% | 8,160 |
| Return on assets (ROA) | -14.3776% | 8,155 |
| Pretax return on assets | -18.4848% | 8,168 |
| Return on Equity (ROE) | -49.9212% | 7,909 |
| Retained earnings to average equity (ytd only) | -49.9212% | 7,906 |
| Net charge-offs to loans | 6.9679% | 136 |
| Credit loss provision to net charge-offs | 287.5711% | 1,629 |
| Earnings coverage of net charge-offs (x) | -0.1552% | 5,845 |
| Efficiency ratio | 109.1009% | 872 |
| Assets per employee ($millions) | 1.6154% | 8,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 14.6893% | 7 |
| Loan loss allowance to noncurrent loans | 44.4787% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 31.0878% | 14 |
| Noncurrent loans to loans | 33.0254% | 14 |
| Net loans and leases to total assets | 75.3700% | 2,353 |
| Net loans and leases to deposits | 119.9669% | 236 |
| Net loans and leases to core deposits | 119.9669% | 2,375 |
| Total domestic deposits to total assets | 62.8257% | 7,869 |
| Equity capital to assets | 33.3587% | 114 |
| Core capital (leverage) ratio | 29.6516% | 145 |
| Tier 1 risk-based capital ratio | 40.2432% | 304 |
| Total risk-based capital ratio | 41.6745% | 296 |
| Memoranda: |
| Average total assets | $40,368,330 | 7,191 |
| Average earning assets | $36,490,330 | 7,200 |
| Average equity | $11,626,330 | 4,908 |
| Average total loans | $35,333,670 | 6,445 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1084% | 287 |
| Cost of funding earning assets | 2.0601% | 3,827 |
| Net interest margin | 5.0483% | 361 |
| Noninterest income to average assets | 4.2727% | 155 |
| Noninterest expense to average assets | 8.6669% | 137 |
| Loan and lease loss provision to assets | 6.7596% | 99 |
| Net operating income to assets | -4.5812% | 8,016 |
| Return on assets (ROA) | -4.5812% | 8,008 |
| Pretax return on assets | -6.5259% | 8,070 |
| Return on Equity (ROE) | -17.0257% | 7,677 |
| Retained earnings to average equity (ytd only) | -17.0257% | 7,537 |
| Net charge-offs to loans | 0.1501% | 3,763 |
| Credit loss provision to net charge-offs | 5,164.2857% | 141 |
| Earnings coverage of net charge-offs (x) | 1.7857% | 3,838 |
| Efficiency ratio | 96.0084% | 1,322 |
| Assets per employee ($millions) | 2.2026% | 7,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 8.2704% | 28 |
| Loan loss allowance to noncurrent loans | 49.5964% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 15.6464% | 69 |
| Noncurrent loans to loans | 16.6754% | 71 |
| Net loans and leases to total assets | 79.7993% | 1,432 |
| Net loans and leases to deposits | 117.9321% | 337 |
| Net loans and leases to core deposits | 117.9321% | 2,604 |
| Total domestic deposits to total assets | 67.6655% | 7,616 |
| Equity capital to assets | 29.3118% | 149 |
| Core capital (leverage) ratio | 27.8132% | 178 |
| Tier 1 risk-based capital ratio | 34.7186% | 447 |
| Total risk-based capital ratio | 36.0604% | 430 |
| Memoranda: |
| Average total assets | $42,783,500 | 7,140 |
| Average earning assets | $39,221,000 | 7,118 |
| Average equity | $11,512,000 | 4,973 |
| Average total loans | $37,302,000 | 6,364 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.5893% | 51 |
| Cost of funding earning assets | 3.0076% | 1,847 |
| Net interest margin | 6.5817% | 69 |
| Noninterest income to average assets | 7.6976% | 92 |
| Noninterest expense to average assets | 12.7110% | 98 |
| Loan and lease loss provision to assets | 7.5854% | 32 |
| Net operating income to assets | -4.4579% | 8,047 |
| Return on assets (ROA) | -4.4579% | 8,030 |
| Pretax return on assets | -6.4168% | 8,130 |
| Return on Equity (ROE) | -19.0295% | 7,738 |
| Retained earnings to average equity (ytd only) | -19.0295% | 7,654 |
| Net charge-offs to loans | 2.6717% | 353 |
| Credit loss provision to net charge-offs | 332.3429% | 1,366 |
| Earnings coverage of net charge-offs (x) | 0.5120% | 5,923 |
| Efficiency ratio | 90.7348% | 1,460 |
| Assets per employee ($millions) | 1.9007% | 7,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 6.0267% | 53 |
| Loan loss allowance to noncurrent loans | 73.0562% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 8.1959% | 276 |
| Noncurrent loans to loans | 8.2493% | 318 |
| Net loans and leases to total assets | 82.1076% | 1,210 |
| Net loans and leases to deposits | 114.2025% | 605 |
| Net loans and leases to core deposits | 114.2025% | 3,318 |
| Total domestic deposits to total assets | 71.8965% | 7,019 |
| Equity capital to assets | 24.6060% | 273 |
| Core capital (leverage) ratio | 23.7185% | 285 |
| Tier 1 risk-based capital ratio | 28.9862% | 696 |
| Total risk-based capital ratio | 30.2995% | 683 |
| Memoranda: |
| Average total assets | $38,336,800 | 7,291 |
| Average earning assets | $36,009,000 | 7,238 |
| Average equity | $8,980,800 | 5,742 |
| Average total loans | $32,750,200 | 6,564 |
