Home > AIG Federal Savings Bank > Performance and Condition Ratios
AIG Federal Savings Bank, Performance and Condition Ratios
| 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 | 1.6575% | 4,644 |
| Cost of funding earning assets | 0.0128% | 4,635 |
| Net interest margin | 1.6447% | 4,615 |
| Noninterest income to average assets | 13.4000% | 84 |
| Noninterest expense to average assets | 4.8648% | 230 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 7.6049% | 47 |
| Return on assets (ROA) | 7.6049% | 46 |
| Pretax return on assets | 10.1111% | 47 |
| Return on Equity (ROE) | 7.8400% | 3,426 |
| Retained earnings to average equity (ytd only) | 7.8366% | 1,908 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 32.4840% | 4,635 |
| Assets per employee ($millions) | 4.6509% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 0.0000% | 4,635 |
| Net loans and leases to deposits | 0.0000% | 4,634 |
| Net loans and leases to core deposits | 0.0000% | 4,617 |
| Total domestic deposits to total assets | 0.0000% | 4,674 |
| Equity capital to assets | 97.7089% | 14 |
| Core capital (leverage) ratio | 98.1835% | 15 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $40,618,600 | 4,522 |
| Average earning assets | $38,913,400 | 4,490 |
| Average equity | $39,417,800 | 1,936 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0305% | 4,703 |
| Cost of funding earning assets | 0.0035% | 4,683 |
| Net interest margin | 1.0270% | 4,692 |
| Noninterest income to average assets | 13.4200% | 90 |
| Noninterest expense to average assets | 5.0343% | 213 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 7.0454% | 57 |
| Return on assets (ROA) | 7.0454% | 55 |
| Pretax return on assets | 9.3608% | 53 |
| Return on Equity (ROE) | 7.2700% | 3,528 |
| Retained earnings to average equity (ytd only) | 7.2730% | 2,274 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 34.9724% | 4,654 |
| Assets per employee ($millions) | 4.6091% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,653 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 0.0000% | 4,679 |
| Net loans and leases to deposits | 0.0000% | 4,678 |
| Net loans and leases to core deposits | 0.0000% | 4,661 |
| Total domestic deposits to total assets | 1.2100% | 4,704 |
| Equity capital to assets | 96.6130% | 13 |
| Core capital (leverage) ratio | 97.6248% | 19 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $40,308,750 | 4,559 |
| Average earning assets | $38,427,250 | 4,527 |
| Average equity | $39,047,500 | 1,978 |
| Average total loans | $0 | 4,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5135% | 4,760 |
| Cost of funding earning assets | 0.0000% | 4,753 |
| Net interest margin | 0.5135% | 4,756 |
| Noninterest income to average assets | 13.5228% | 46 |
| Noninterest expense to average assets | 5.3210% | 156 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 6.5435% | 27 |
| Return on assets (ROA) | 6.5435% | 25 |
| Pretax return on assets | 8.6879% | 25 |
| Return on Equity (ROE) | 6.7486% | 3,376 |
| Retained earnings to average equity (ytd only) | 6.7486% | 2,070 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9828% | 4,654 |
| Assets per employee ($millions) | 5.0938% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,740 |
| Net loans and leases to deposits | 0.0000% | 4,740 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.2270% | 4,767 |
| Equity capital to assets | 96.4712% | 4 |
| Core capital (leverage) ratio | 97.8598% | 11 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,917,667 | 4,609 |
| Average earning assets | $37,783,000 | 4,593 |
| Average equity | $38,704,333 | 2,053 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2963% | 4,788 |
| Cost of funding earning assets | 0.0000% | 4,770 |
| Net interest margin | 0.2963% | 4,784 |
| Noninterest income to average assets | 13.8223% | 46 |
| Noninterest expense to average assets | 6.0048% | 124 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 6.1162% | 31 |
| Return on assets (ROA) | 6.1162% | 30 |
| Pretax return on assets | 8.1010% | 29 |
| Return on Equity (ROE) | 6.2916% | 3,256 |
| Retained earnings to average equity (ytd only) | 6.2916% | 2,145 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5700% | 4,594 |
| Assets per employee ($millions) | 3.9599% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,768 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 4,805 |
| Equity capital to assets | 97.5782% | 3 |
| Core capital (leverage) ratio | 97.9862% | 8 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,501,500 | 4,639 |
| Average earning assets | $37,800,500 | 4,614 |
| Average equity | $38,400,500 | 2,114 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2710% | 4,821 |
| Cost of funding earning assets | 0.0000% | 4,821 |
| Net interest margin | 0.2710% | 4,819 |
| Noninterest income to average assets | 13.5067% | 52 |
| Noninterest expense to average assets | 5.2808% | 158 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 6.4212% | 31 |
| Return on assets (ROA) | 6.4212% | 32 |
| Pretax return on assets | 8.4822% | 31 |
| Return on Equity (ROE) | 6.6431% | 3,610 |
| Retained earnings to average equity (ytd only) | 6.6431% | 2,060 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3694% | 4,714 |
| Assets per employee ($millions) | 3.9404% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,813 |
| Net loans and leases to deposits | 0.0000% | 4,812 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.2689% | 4,835 |
| Equity capital to assets | 96.8455% | 3 |
| Core capital (leverage) ratio | 97.9457% | 4 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,233,000 | 4,679 |
| Average earning assets | $36,167,400 | 4,656 |
| Average equity | $36,955,600 | 2,203 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2798% | 4,900 |
| Cost of funding earning assets | 0.0000% | 4,892 |
| Net interest margin | 0.2798% | 4,898 |
| Noninterest income to average assets | 13.6070% | 54 |
| Noninterest expense to average assets | 5.2783% | 155 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 6.5189% | 37 |
| Return on assets (ROA) | 6.5189% | 36 |
| Pretax return on assets | 8.5922% | 32 |
| Return on Equity (ROE) | 6.7476% | 3,730 |
| Retained earnings to average equity (ytd only) | 6.7476% | 2,521 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0542% | 4,765 |
| Assets per employee ($millions) | 3.8792% | 4,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,885 |
| Net loans and leases to deposits | 0.0000% | 4,885 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.2889% | 4,911 |
| Equity capital to assets | 96.9117% | 4 |
| Core capital (leverage) ratio | 97.7112% | 6 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,940,250 | 4,752 |
| Average earning assets | $35,741,250 | 4,732 |
| Average equity | $36,654,250 | 2,250 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3005% | 4,940 |
| Cost of funding earning assets | 0.0000% | 4,930 |
| Net interest margin | 0.3005% | 4,937 |
| Noninterest income to average assets | 13.8091% | 52 |
| Noninterest expense to average assets | 5.5661% | 142 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 6.5009% | 36 |
| Return on assets (ROA) | 6.5009% | 36 |
| Pretax return on assets | 8.5245% | 35 |
| Return on Equity (ROE) | 6.7362% | 3,723 |
| Retained earnings to average equity (ytd only) | 6.7362% | 2,527 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5025% | 4,764 |
| Assets per employee ($millions) | 3.8241% | 4,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,922 |
| Net loans and leases to deposits | 0.0000% | 4,922 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.3075% | 4,947 |
| Equity capital to assets | 96.6502% | 5 |
| Core capital (leverage) ratio | 97.7982% | 9 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,656,333 | 4,786 |
| Average earning assets | $35,273,667 | 4,764 |
| Average equity | $36,341,000 | 2,258 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3221% | 4,965 |
| Cost of funding earning assets | 0.0000% | 4,958 |
| Net interest margin | 0.3221% | 4,961 |
| Noninterest income to average assets | 14.0884% | 52 |
| Noninterest expense to average assets | 6.0379% | 116 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 6.4661% | 43 |
| Return on assets (ROA) | 6.4661% | 45 |
| Pretax return on assets | 8.3503% | 41 |
| Return on Equity (ROE) | 6.7052% | 3,676 |
| Retained earnings to average equity (ytd only) | 6.7052% | 2,662 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9643% | 4,672 |
| Assets per employee ($millions) | 3.7742% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,950 |
| Net loans and leases to deposits | 0.0000% | 4,950 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.3248% | 4,975 |
| Equity capital to assets | 96.2774% | 4 |
| Core capital (leverage) ratio | 97.5440% | 9 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,364,000 | 4,810 |
| Average earning assets | $34,775,500 | 4,788 |
| Average equity | $36,031,500 | 2,261 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8479% | 4,977 |
| Cost of funding earning assets | 0.0117% | 4,973 |
| Net interest margin | 0.8362% | 4,968 |
| Noninterest income to average assets | 13.9513% | 57 |
| Noninterest expense to average assets | 5.3297% | 166 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 7.0347% | 33 |
| Return on assets (ROA) | 7.0347% | 31 |
| Pretax return on assets | 9.3895% | 27 |
| Return on Equity (ROE) | 7.2892% | 3,081 |
| Retained earnings to average equity (ytd only) | 1.7249% | 3,936 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.2094% | 4,934 |
| Assets per employee ($millions) | 3.6986% | 4,566 |
| Cash dividends to net income (ytd only)* | 76.3359% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,974 |
| Net loans and leases to deposits | 0.0000% | 4,974 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.3519% | 4,997 |
| Equity capital to assets | 96.5933% | 3 |
| Core capital (leverage) ratio | 94.9900% | 7 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,243,800 | 4,803 |
| Average earning assets | $34,200,400 | 4,791 |
| Average equity | $35,943,600 | 2,180 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0026% | 5,017 |
| Cost of funding earning assets | 0.0155% | 5,008 |
| Net interest margin | 0.9870% | 5,006 |
| Noninterest income to average assets | 13.9197% | 55 |
| Noninterest expense to average assets | 5.3999% | 161 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 7.0581% | 29 |
| Return on assets (ROA) | 7.0581% | 29 |
| Pretax return on assets | 9.4275% | 26 |
| Return on Equity (ROE) | 7.3150% | 3,087 |
| Retained earnings to average equity (ytd only) | 7.3150% | 1,579 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.4184% | 4,946 |
| Assets per employee ($millions) | 3.8343% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,006 |
| Net loans and leases to deposits | 0.0000% | 5,006 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.3040% | 5,029 |
| Equity capital to assets | 96.7739% | 5 |
| Core capital (leverage) ratio | 97.9117% | 9 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,308,250 | 4,827 |
| Average earning assets | $34,311,250 | 4,817 |
| Average equity | $35,998,000 | 2,162 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2918% | 5,046 |
| Cost of funding earning assets | 0.0176% | 5,042 |
| Net interest margin | 1.2742% | 5,030 |
| Noninterest income to average assets | 14.1383% | 50 |
| Noninterest expense to average assets | 5.6921% | 145 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 7.1909% | 23 |
| Return on assets (ROA) | 7.1909% | 23 |
| Pretax return on assets | 9.6203% | 23 |
| Return on Equity (ROE) | 7.4603% | 2,950 |
| Retained earnings to average equity (ytd only) | 7.4603% | 1,476 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1731% | 4,967 |
| Assets per employee ($millions) | 3.7551% | 4,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,039 |
| Net loans and leases to deposits | 0.0000% | 5,039 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.3315% | 5,063 |
| Equity capital to assets | 96.8310% | 4 |
| Core capital (leverage) ratio | 97.5549% | 6 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,963,333 | 4,851 |
| Average earning assets | $34,061,333 | 4,838 |
| Average equity | $35,628,667 | 2,176 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7952% | 5,089 |
| Cost of funding earning assets | 0.0238% | 5,089 |
| Net interest margin | 1.7714% | 5,052 |
| Noninterest income to average assets | 14.4534% | 47 |
| Noninterest expense to average assets | 6.1195% | 144 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 7.4831% | 23 |
| Return on assets (ROA) | 7.4831% | 23 |
| Pretax return on assets | 9.9592% | 19 |
| Return on Equity (ROE) | 7.7816% | 2,599 |
| Retained earnings to average equity (ytd only) | 7.7816% | 1,293 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0597% | 5,009 |
| Assets per employee ($millions) | 3.6970% | 4,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,086 |
| Net loans and leases to deposits | 0.0000% | 5,086 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.3524% | 5,111 |
| Equity capital to assets | 96.1239% | 7 |
| Core capital (leverage) ratio | 97.3641% | 5 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,669,500 | 4,896 |
| Average earning assets | $33,646,000 | 4,880 |
| Average equity | $35,262,500 | 2,191 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4696% | 5,123 |
| Cost of funding earning assets | 0.0391% | 5,148 |
| Net interest margin | 2.4304% | 5,000 |
| Noninterest income to average assets | 14.6981% | 47 |
| Noninterest expense to average assets | 5.2963% | 177 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 8.5812% | 23 |
| Return on assets (ROA) | 8.5812% | 25 |
| Pretax return on assets | 11.4462% | 23 |
| Return on Equity (ROE) | 8.9130% | 2,789 |
| Retained earnings to average equity (ytd only) | 3.2123% | 3,411 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.6342% | 5,131 |
| Assets per employee ($millions) | 3.6369% | 4,339 |
| Cash dividends to net income (ytd only)* | 63.9591% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,149 |
| Net loans and leases to deposits | 0.0000% | 5,149 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.3748% | 5,173 |
| Equity capital to assets | 96.2028% | 7 |
| Core capital (leverage) ratio | 95.2309% | 10 |
| Tier 1 risk-based capital ratio | 575.6424% | 4 |
| Total risk-based capital ratio | 575.6424% | 4 |
| Memoranda: | ||
| Average total assets | $36,440,200 | 4,948 |
| Average earning assets | $30,653,200 | 4,977 |
| Average equity | $35,083,400 | 2,131 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6012% | 5,206 |
| Cost of funding earning assets | 0.0398% | 5,226 |
| Net interest margin | 2.5614% | 5,028 |
| Noninterest income to average assets | 14.8441% | 47 |
| Noninterest expense to average assets | 5.1602% | 191 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 8.8428% | 20 |
| Return on assets (ROA) | 8.8428% | 21 |
| Pretax return on assets | 11.8014% | 22 |
| Return on Equity (ROE) | 9.1831% | 2,810 |
| Retained earnings to average equity (ytd only) | 9.1831% | 994 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.4226% | 5,211 |
| Assets per employee ($millions) | 3.7651% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,226 |
| Net loans and leases to deposits | 0.0000% | 5,226 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.3280% | 5,253 |
| Equity capital to assets | 96.4410% | 5 |
| Core capital (leverage) ratio | 97.6585% | 8 |
| Tier 1 risk-based capital ratio | 555.3624% | 5 |
| Total risk-based capital ratio | 555.3624% | 5 |
| Memoranda: | ||
| Average total assets | $36,458,000 | 5,021 |
| Average earning assets | $30,138,750 | 5,060 |
| Average equity | $35,107,250 | 2,146 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6668% | 5,260 |
| Cost of funding earning assets | 0.0405% | 5,270 |
| Net interest margin | 2.6263% | 5,057 |
| Noninterest income to average assets | 15.4519% | 45 |
| Noninterest expense to average assets | 5.2745% | 180 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 9.2322% | 18 |
| Return on assets (ROA) | 9.2234% | 19 |
| Pretax return on assets | 12.3238% | 20 |
| Return on Equity (ROE) | 9.5834% | 2,600 |
| Retained earnings to average equity (ytd only) | 9.5834% | 888 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.9528% | 5,257 |
| Assets per employee ($millions) | 3.6891% | 4,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,274 |
| Net loans and leases to deposits | 0.0000% | 5,274 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.3553% | 5,299 |
| Equity capital to assets | 96.3731% | 6 |
| Core capital (leverage) ratio | 97.6859% | 7 |
| Tier 1 risk-based capital ratio | 536.4302% | 3 |
| Total risk-based capital ratio | 536.4302% | 3 |
| Memoranda: | ||
| Average total assets | $36,060,330 | 5,069 |
| Average earning assets | $29,623,000 | 5,106 |
| Average equity | $34,706,000 | 2,154 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6977% | 5,317 |
| Cost of funding earning assets | 0.0417% | 5,333 |
| Net interest margin | 2.6560% | 5,096 |
| Noninterest income to average assets | 15.6880% | 42 |
| Noninterest expense to average assets | 6.6321% | 114 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 8.4163% | 23 |
| Return on assets (ROA) | 8.4163% | 25 |
| Pretax return on assets | 11.1993% | 22 |
| Return on Equity (ROE) | 8.7508% | 2,920 |
| Retained earnings to average equity (ytd only) | 8.7508% | 1,404 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1932% | 5,252 |
| Assets per employee ($millions) | 3.6210% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,335 |
| Net loans and leases to deposits | 0.0000% | 5,334 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.3808% | 5,358 |
| Equity capital to assets | 95.6780% | 4 |
| Core capital (leverage) ratio | 97.2694% | 7 |
| Tier 1 risk-based capital ratio | 498.4331% | 4 |
| Total risk-based capital ratio | 498.4331% | 4 |
| Memoranda: | ||
| Average total assets | $35,645,000 | 5,128 |
| Average earning assets | $28,765,000 | 5,176 |
| Average equity | $34,282,500 | 2,174 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1810% | 5,363 |
| Cost of funding earning assets | 0.0367% | 5,375 |
| Net interest margin | 2.1444% | 5,314 |
| Noninterest income to average assets | 15.8503% | 44 |
| Noninterest expense to average assets | 6.4942% | 116 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 8.3637% | 24 |
| Return on assets (ROA) | 8.3637% | 24 |
| Pretax return on assets | 11.0893% | 23 |
| Return on Equity (ROE) | 8.7007% | 3,142 |
| Retained earnings to average equity (ytd only) | 8.7007% | 978 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.9334% | 5,317 |
| Assets per employee ($millions) | 3.5080% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,379 |
| Net loans and leases to deposits | 0.0000% | 5,379 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.4253% | 5,400 |
| Equity capital to assets | 96.6933% | 8 |
| Core capital (leverage) ratio | 97.5904% | 9 |
| Tier 1 risk-based capital ratio | 534.7600% | 5 |
| Total risk-based capital ratio | 534.7600% | 5 |
| Memoranda: | ||
| Average total assets | $33,753,200 | 5,195 |
| Average earning assets | $27,280,600 | 5,236 |
| Average equity | $32,445,600 | 2,190 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0758% | 5,438 |
| Cost of funding earning assets | 0.0345% | 5,446 |
| Net interest margin | 2.0413% | 5,402 |
| Noninterest income to average assets | 15.9694% | 45 |
| Noninterest expense to average assets | 6.9295% | 108 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 8.0784% | 22 |
| Return on assets (ROA) | 8.0784% | 22 |
| Pretax return on assets | 10.6914% | 22 |
| Return on Equity (ROE) | 8.4170% | 3,371 |
| Retained earnings to average equity (ytd only) | 8.4170% | 1,460 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3253% | 5,345 |
| Assets per employee ($millions) | 3.4441% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,450 |
| Net loans and leases to deposits | 0.0000% | 5,450 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.4518% | 5,473 |
| Equity capital to assets | 96.1877% | 7 |
| Core capital (leverage) ratio | 97.5799% | 8 |
| Tier 1 risk-based capital ratio | 510.3861% | 5 |
| Total risk-based capital ratio | 510.3861% | 5 |
| Memoranda: | ||
| Average total assets | $33,421,500 | 5,268 |
| Average earning assets | $27,041,500 | 5,306 |
| Average equity | $32,077,000 | 2,213 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9754% | 5,507 |
| Cost of funding earning assets | 0.0371% | 5,507 |
| Net interest margin | 1.9383% | 5,477 |
| Noninterest income to average assets | 16.2688% | 42 |
| Noninterest expense to average assets | 7.3696% | 105 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 7.9258% | 23 |
| Return on assets (ROA) | 7.9258% | 23 |
| Pretax return on assets | 10.4771% | 22 |
| Return on Equity (ROE) | 8.2643% | 3,384 |
| Retained earnings to average equity (ytd only) | 8.2643% | 1,513 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2940% | 5,370 |
| Assets per employee ($millions) | 3.3660% | 4,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,515 |
| Net loans and leases to deposits | 0.0000% | 5,515 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.4854% | 5,537 |
| Equity capital to assets | 96.2923% | 7 |
| Core capital (leverage) ratio | 97.1809% | 8 |
| Tier 1 risk-based capital ratio | 510.7646% | 6 |
| Total risk-based capital ratio | 510.7646% | 6 |
| Memoranda: | ||
| Average total assets | $33,081,670 | 5,337 |
| Average earning assets | $26,930,670 | 5,373 |
| Average equity | $31,726,670 | 2,241 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7472% | 5,585 |
| Cost of funding earning assets | 0.0299% | 5,575 |
| Net interest margin | 1.7173% | 5,564 |
| Noninterest income to average assets | 16.6380% | 42 |
| Noninterest expense to average assets | 8.2702% | 87 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 7.4407% | 23 |
| Return on assets (ROA) | 7.4407% | 23 |
| Pretax return on assets | 9.7705% | 22 |
| Return on Equity (ROE) | 7.7747% | 3,478 |
| Retained earnings to average equity (ytd only) | 7.7747% | 1,929 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8418% | 5,281 |
| Assets per employee ($millions) | 3.3174% | 4,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,578 |
| Net loans and leases to deposits | 0.0000% | 5,578 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.5072% | 5,601 |
| Equity capital to assets | 95.5146% | 6 |
| Core capital (leverage) ratio | 96.7503% | 8 |
| Tier 1 risk-based capital ratio | 484.6525% | 6 |
| Total risk-based capital ratio | 484.6525% | 6 |
| Memoranda: | ||
| Average total assets | $32,792,500 | 5,399 |
| Average earning assets | $26,785,500 | 5,434 |
| Average equity | $31,384,000 | 2,277 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2635% | 5,642 |
| Cost of funding earning assets | 0.0233% | 5,638 |
| Net interest margin | 1.2402% | 5,632 |
| Noninterest income to average assets | 15.3650% | 46 |
| Noninterest expense to average assets | 6.7241% | 123 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7264% | 3,489 |
| Return on assets (ROA) | 0.7264% | 3,527 |
| Pretax return on assets | 9.6024% | 22 |
| Return on Equity (ROE) | 0.7594% | 5,275 |
| Retained earnings to average equity (ytd only) | -3.9671% | 5,399 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1852% | 5,505 |
| Assets per employee ($millions) | 3.2411% | 4,995 |
| Cash dividends to net income (ytd only)* | 622.4066% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,643 |
| Net loans and leases to deposits | 0.0000% | 5,643 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.5427% | 5,666 |
| Equity capital to assets | 95.8995% | 6 |
| Core capital (leverage) ratio | 91.1911% | 11 |
| Tier 1 risk-based capital ratio | 465.2817% | 7 |
| Total risk-based capital ratio | 465.2817% | 7 |
| Memoranda: | ||
| Average total assets | $33,179,200 | 5,447 |
| Average earning assets | $25,721,400 | 5,499 |
| Average equity | $31,736,000 | 2,237 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1860% | 5,718 |
| Cost of funding earning assets | 0.0209% | 5,706 |
| Net interest margin | 1.1651% | 5,711 |
| Noninterest income to average assets | 15.1144% | 51 |
| Noninterest expense to average assets | 6.7442% | 126 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 5.7253% | 28 |
| Return on assets (ROA) | 5.7253% | 28 |
| Pretax return on assets | 9.2612% | 25 |
| Return on Equity (ROE) | 5.9895% | 4,128 |
| Retained earnings to average equity (ytd only) | -0.2800% | 5,253 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1368% | 5,532 |
| Assets per employee ($millions) | 3.3666% | 4,891 |
| Cash dividends to net income (ytd only)* | 104.6754% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,709 |
| Net loans and leases to deposits | 0.0000% | 5,709 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.4852% | 5,732 |
| Equity capital to assets | 95.8623% | 5 |
| Core capital (leverage) ratio | 96.3308% | 7 |
| Tier 1 risk-based capital ratio | 459.9483% | 7 |
| Total risk-based capital ratio | 459.9483% | 7 |
| Memoranda: | ||
| Average total assets | $33,371,250 | 5,508 |
| Average earning assets | $25,519,250 | 5,565 |
| Average equity | $31,899,500 | 2,243 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0463% | 5,774 |
| Cost of funding earning assets | 0.0238% | 5,750 |
| Net interest margin | 1.0225% | 5,769 |
| Noninterest income to average assets | 15.1354% | 50 |
| Noninterest expense to average assets | 6.9967% | 125 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 5.5120% | 36 |
| Return on assets (ROA) | 5.5120% | 36 |
| Pretax return on assets | 8.9141% | 31 |
| Return on Equity (ROE) | 5.7718% | 4,145 |
| Retained earnings to average equity (ytd only) | -3.6696% | 5,475 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9743% | 5,527 |
| Assets per employee ($millions) | 3.3145% | 4,965 |
| Cash dividends to net income (ytd only)* | 163.5769% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,758 |
| Net loans and leases to deposits | 0.0000% | 5,758 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.5085% | 5,783 |
| Equity capital to assets | 95.8093% | 5 |
| Core capital (leverage) ratio | 96.1236% | 7 |
| Tier 1 risk-based capital ratio | 468.0528% | 8 |
| Total risk-based capital ratio | 468.0528% | 8 |
| Memoranda: | ||
| Average total assets | $33,273,000 | 5,553 |
| Average earning assets | $25,231,670 | 5,614 |
| Average equity | $31,775,000 | 2,241 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9580% | 5,844 |
| Cost of funding earning assets | 0.0160% | 5,820 |
| Net interest margin | 0.9421% | 5,840 |
| Noninterest income to average assets | 15.1783% | 50 |
| Noninterest expense to average assets | 7.3432% | 120 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 5.2794% | 40 |
| Return on assets (ROA) | 5.2794% | 40 |
| Pretax return on assets | 8.5431% | 33 |
| Return on Equity (ROE) | 5.5373% | 4,126 |
| Retained earnings to average equity (ytd only) | -13.3398% | 5,643 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2236% | 5,520 |
| Assets per employee ($millions) | 3.2806% | 5,065 |
| Cash dividends to net income (ytd only)* | 340.9091% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,827 |
| Net loans and leases to deposits | 0.0000% | 5,825 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.5241% | 5,849 |
| Equity capital to assets | 95.2844% | 5 |
| Core capital (leverage) ratio | 91.0893% | 15 |
| Tier 1 risk-based capital ratio | 467.6651% | 9 |
| Total risk-based capital ratio | 467.6651% | 9 |
| Memoranda: | ||
| Average total assets | $33,337,000 | 5,616 |
| Average earning assets | $25,051,000 | 5,683 |
| Average equity | $31,784,500 | 2,249 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7210% | 5,894 |
| Cost of funding earning assets | 0.0128% | 5,879 |
| Net interest margin | 0.7082% | 5,892 |
| Noninterest income to average assets | 14.4472% | 50 |
| Noninterest expense to average assets | 6.2685% | 148 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 5.6678% | 27 |
| Return on assets (ROA) | 5.6678% | 28 |
| Pretax return on assets | 8.6773% | 25 |
| Return on Equity (ROE) | 6.0180% | 3,970 |
| Retained earnings to average equity (ytd only) | 6.0180% | 1,693 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9413% | 5,748 |
| Assets per employee ($millions) | 3.3868% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,884 |
| Net loans and leases to deposits | 0.0000% | 5,883 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.4763% | 5,907 |
| Equity capital to assets | 95.3998% | 4 |
| Core capital (leverage) ratio | 95.4874% | 8 |
| Tier 1 risk-based capital ratio | 460.9812% | 7 |
| Total risk-based capital ratio | 460.9812% | 7 |
| Memoranda: | ||
| Average total assets | $33,293,600 | 5,665 |
| Average earning assets | $23,439,400 | 5,754 |
| Average equity | $31,356,000 | 2,263 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6977% | 5,963 |
| Cost of funding earning assets | 0.0115% | 5,947 |
| Net interest margin | 0.6862% | 5,959 |
| Noninterest income to average assets | 14.4350% | 50 |
| Noninterest expense to average assets | 6.3226% | 153 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 5.5102% | 29 |
| Return on assets (ROA) | 5.5102% | 30 |
| Pretax return on assets | 8.5910% | 27 |
| Return on Equity (ROE) | 5.8701% | 4,136 |
| Retained earnings to average equity (ytd only) | 5.8701% | 2,258 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3948% | 5,777 |
| Assets per employee ($millions) | 3.3475% | 4,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,950 |
| Net loans and leases to deposits | 0.0000% | 5,950 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.4937% | 5,976 |
| Equity capital to assets | 94.9903% | 6 |
| Core capital (leverage) ratio | 94.9605% | 10 |
| Tier 1 risk-based capital ratio | 444.9339% | 6 |
| Total risk-based capital ratio | 444.9339% | 6 |
| Memoranda: | ||
| Average total assets | $33,150,000 | 5,727 |
| Average earning assets | $23,121,500 | 5,819 |
| Average equity | $31,117,500 | 2,297 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6837% | 6,041 |
| Cost of funding earning assets | 0.0088% | 6,030 |
| Net interest margin | 0.6749% | 6,039 |
| Noninterest income to average assets | 14.5574% | 50 |
| Noninterest expense to average assets | 6.3798% | 155 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 5.3448% | 33 |
| Return on assets (ROA) | 5.3448% | 33 |
| Pretax return on assets | 8.6436% | 24 |
| Return on Equity (ROE) | 5.7169% | 4,184 |
| Retained earnings to average equity (ytd only) | 5.7169% | 2,286 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4658% | 5,858 |
| Assets per employee ($millions) | 3.3085% | 5,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,029 |
| Net loans and leases to deposits | 0.0000% | 6,029 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.5113% | 6,054 |
| Equity capital to assets | 94.6653% | 7 |
| Core capital (leverage) ratio | 94.2683% | 9 |
| Tier 1 risk-based capital ratio | 445.3541% | 6 |
| Total risk-based capital ratio | 445.3541% | 6 |
| Memoranda: | ||
| Average total assets | $33,041,670 | 5,799 |
| Average earning assets | $22,817,330 | 5,900 |
| Average equity | $30,890,670 | 2,318 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6835% | 6,104 |
| Cost of funding earning assets | 0.0175% | 6,082 |
| Net interest margin | 0.6660% | 6,104 |
| Noninterest income to average assets | 14.7547% | 50 |
| Noninterest expense to average assets | 6.4204% | 154 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 5.4391% | 38 |
| Return on assets (ROA) | 5.4391% | 37 |
| Pretax return on assets | 8.7947% | 26 |
| Return on Equity (ROE) | 5.8547% | 4,058 |
| Retained earnings to average equity (ytd only) | 5.8547% | 2,443 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1975% | 5,917 |
| Assets per employee ($millions) | 3.2914% | 5,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,091 |
| Net loans and leases to deposits | 0.0000% | 6,091 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.5191% | 6,118 |
| Equity capital to assets | 93.8628% | 9 |
| Core capital (leverage) ratio | 89.9246% | 14 |
| Tier 1 risk-based capital ratio | 421.0119% | 12 |
| Total risk-based capital ratio | 421.0119% | 12 |
| Memoranda: | ||
| Average total assets | $33,020,000 | 5,862 |
| Average earning assets | $22,822,500 | 5,954 |
| Average equity | $30,676,000 | 2,328 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3532% | 6,168 |
| Cost of funding earning assets | 0.0061% | 6,156 |
| Net interest margin | 0.3471% | 6,165 |
| Noninterest income to average assets | 21.0952% | 38 |
| Noninterest expense to average assets | 13.9711% | 53 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 37.0096% | 6 |
| Return on assets (ROA) | 37.0096% | 6 |
| Pretax return on assets | 7.3829% | 33 |
| Return on Equity (ROE) | 43.2285% | 20 |
| Retained earnings to average equity (ytd only) | 43.2285% | 7 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4263% | 3,998 |
| Assets per employee ($millions) | 3.3126% | 5,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,149 |
| Net loans and leases to deposits | 0.0000% | 6,149 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.5094% | 6,174 |
| Equity capital to assets | 91.9459% | 9 |
| Core capital (leverage) ratio | 120.7314% | 1 |
| Tier 1 risk-based capital ratio | 408.0070% | 11 |
| Total risk-based capital ratio | 408.0070% | 11 |
| Memoranda: | ||
| Average total assets | $22,024,000 | 6,070 |
| Average earning assets | $16,419,600 | 6,103 |
| Average equity | $18,855,600 | 3,272 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3610% | 6,257 |
| Cost of funding earning assets | 0.0090% | 6,236 |
| Net interest margin | 0.3520% | 6,255 |
| Noninterest income to average assets | 24.1745% | 38 |
| Noninterest expense to average assets | 16.4234% | 49 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 7.4740% | 27 |
| Return on assets (ROA) | 7.4740% | 27 |
| Pretax return on assets | 8.0212% | 30 |
| Return on Equity (ROE) | 9.0168% | 2,569 |
| Retained earnings to average equity (ytd only) | 9.0168% | 897 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1862% | 3,677 |
| Assets per employee ($millions) | 1.8020% | 6,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,236 |
| Net loans and leases to deposits | 0.0000% | 6,236 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.5224% | 6,259 |
| Equity capital to assets | 83.6243% | 21 |
| Core capital (leverage) ratio | 86.2200% | 18 |
| Tier 1 risk-based capital ratio | 400.0483% | 13 |
| Total risk-based capital ratio | 400.0483% | 13 |
| Memoranda: | ||
| Average total assets | $19,248,500 | 6,188 |
| Average earning assets | $14,771,000 | 6,211 |
| Average equity | $15,955,000 | 3,719 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3565% | 6,335 |
| Cost of funding earning assets | 0.0000% | 6,327 |
| Net interest margin | 0.3565% | 6,334 |
| Noninterest income to average assets | 24.8828% | 38 |
| Noninterest expense to average assets | 18.4811% | 45 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 6.1184% | 39 |
| Return on assets (ROA) | 6.1184% | 39 |
| Pretax return on assets | 6.6746% | 41 |
| Return on Equity (ROE) | 7.4041% | 3,370 |
| Retained earnings to average equity (ytd only) | 7.4041% | 1,517 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4668% | 2,758 |
| Assets per employee ($millions) | 1.7547% | 6,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | 0.0000% | 6,313 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.5904% | 6,335 |
| Equity capital to assets | 83.2815% | 24 |
| Core capital (leverage) ratio | 84.9730% | 21 |
| Tier 1 risk-based capital ratio | 403.4405% | 12 |
| Total risk-based capital ratio | 403.4405% | 12 |
| Memoranda: | ||
| Average total assets | $19,057,330 | 6,268 |
| Average earning assets | $14,588,000 | 6,285 |
| Average equity | $15,748,000 | 3,764 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3530% | 6,406 |
| Cost of funding earning assets | 0.0000% | 6,393 |
| Net interest margin | 0.3530% | 6,404 |
| Noninterest income to average assets | 25.0964% | 35 |
| Noninterest expense to average assets | 20.8080% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 3.8870% | 62 |
| Return on assets (ROA) | 3.8870% | 64 |
| Pretax return on assets | 4.5630% | 69 |
| Return on Equity (ROE) | 4.7226% | 4,653 |
| Retained earnings to average equity (ytd only) | 4.7226% | 3,206 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0150% | 1,613 |
| Assets per employee ($millions) | 1.7315% | 6,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,384 |
| Net loans and leases to deposits | 0.0000% | 6,384 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.6252% | 6,406 |
| Equity capital to assets | 82.2955% | 28 |
| Core capital (leverage) ratio | 83.1043% | 23 |
| Tier 1 risk-based capital ratio | 396.8085% | 12 |
| Total risk-based capital ratio | 396.8085% | 12 |
| Memoranda: | ||
| Average total assets | $18,935,000 | 6,336 |
| Average earning assets | $14,731,500 | 6,348 |
| Average equity | $15,584,500 | 3,819 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4375% | 6,491 |
| Cost of funding earning assets | 0.0020% | 6,487 |
| Net interest margin | 0.4355% | 6,488 |
| Noninterest income to average assets | 8.0327% | 81 |
| Noninterest expense to average assets | 6.7246% | 150 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0715% | 2,083 |
| Return on assets (ROA) | 1.7918% | 498 |
| Pretax return on assets | 2.7856% | 141 |
| Return on Equity (ROE) | 1.9379% | 5,782 |
| Retained earnings to average equity (ytd only) | 1.9379% | 4,831 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2002% | 1,899 |
| Assets per employee ($millions) | 1.7113% | 6,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,475 |
| Net loans and leases to deposits | 0.0000% | 6,475 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.6562% | 6,496 |
| Equity capital to assets | 82.3151% | 26 |
| Core capital (leverage) ratio | 82.3389% | 22 |
| Tier 1 risk-based capital ratio | 379.2065% | 12 |
| Total risk-based capital ratio | 379.2065% | 12 |
| Memoranda: | ||
| Average total assets | $60,776,600 | 5,531 |
| Average earning assets | $49,139,600 | 5,699 |
| Average equity | $56,195,400 | 1,302 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4684% | 6,573 |
| Cost of funding earning assets | 0.0023% | 6,569 |
| Net interest margin | 0.4661% | 6,570 |
| Noninterest income to average assets | 6.9168% | 91 |
| Noninterest expense to average assets | 6.2208% | 170 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7836% | 3,494 |
| Return on assets (ROA) | 1.7306% | 599 |
| Pretax return on assets | 2.3536% | 279 |
| Return on Equity (ROE) | 1.8582% | 5,870 |
| Retained earnings to average equity (ytd only) | 1.8582% | 5,125 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2783% | 1,253 |
| Assets per employee ($millions) | 1.6765% | 6,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.7112% | 6,575 |
| Equity capital to assets | 83.2068% | 20 |
| Core capital (leverage) ratio | 83.2509% | 19 |
| Tier 1 risk-based capital ratio | 365.8706% | 13 |
| Total risk-based capital ratio | 365.8706% | 13 |
| Memoranda: | ||
| Average total assets | $71,264,750 | 5,307 |
| Average earning assets | $57,779,750 | 5,518 |
| Average equity | $66,370,500 | 1,113 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5247% | 6,632 |
| Cost of funding earning assets | 0.0000% | 6,634 |
| Net interest margin | 0.5247% | 6,631 |
| Noninterest income to average assets | 5.6260% | 110 |
| Noninterest expense to average assets | 5.7836% | 196 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1794% | 5,896 |
| Return on assets (ROA) | 1.2107% | 1,620 |
| Pretax return on assets | 1.8093% | 827 |
| Return on Equity (ROE) | 1.2905% | 5,991 |
| Retained earnings to average equity (ytd only) | 1.2905% | 5,226 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5390% | 581 |
| Assets per employee ($millions) | 1.6515% | 6,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,622 |
| Net loans and leases to deposits | 0.0000% | 6,622 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.7522% | 6,641 |
| Equity capital to assets | 82.1655% | 25 |
| Core capital (leverage) ratio | 82.1694% | 23 |
| Tier 1 risk-based capital ratio | 309.3867% | 16 |
| Total risk-based capital ratio | 309.3867% | 16 |
| Memoranda: | ||
| Average total assets | $88,872,330 | 4,954 |
| Average earning assets | $72,427,000 | 5,170 |
| Average equity | $83,379,000 | 881 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6994% | 6,706 |
| Cost of funding earning assets | 0.0000% | 6,699 |
| Net interest margin | 0.6994% | 6,705 |
| Noninterest income to average assets | 4.1087% | 144 |
| Noninterest expense to average assets | 5.3806% | 258 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.7148% | 6,526 |
| Return on assets (ROA) | -0.9177% | 6,560 |
| Pretax return on assets | -0.9016% | 6,548 |
| Return on Equity (ROE) | -0.9693% | 6,296 |
| Retained earnings to average equity (ytd only) | -0.9693% | 5,720 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.9243% | 224 |
| Assets per employee ($millions) | 5.8008% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.4105% | 6,731 |
| Equity capital to assets | 96.4225% | 6 |
| Core capital (leverage) ratio | 96.4122% | 6 |
| Tier 1 risk-based capital ratio | 471.1079% | 7 |
| Total risk-based capital ratio | 471.1079% | 7 |
| Memoranda: | ||
| Average total assets | $124,225,000 | 4,190 |
| Average earning assets | $101,801,500 | 4,459 |
| Average equity | $117,605,000 | 615 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4459% | 6,751 |
| Cost of funding earning assets | 0.5002% | 3,612 |
| Net interest margin | 0.9457% | 6,762 |
| Noninterest income to average assets | 0.5660% | 3,292 |
| Noninterest expense to average assets | 1.9775% | 6,067 |
| Loan and lease loss provision to assets | 2.1138% | 45 |
| Net operating income to assets | -2.7802% | 6,753 |
| Return on assets (ROA) | -2.3899% | 6,732 |
| Pretax return on assets | -2.2037% | 6,721 |
| Return on Equity (ROE) | -14.0885% | 6,629 |
| Retained earnings to average equity (ytd only) | -14.0885% | 6,601 |
| Net charge-offs to loans | 12.2228% | 3 |
| Credit loss provision to net charge-offs | 86.0344% | 2,874 |
| Earnings coverage of net charge-offs (x) | -0.1955% | 5,144 |
| Efficiency ratio | 132.0717% | 112 |
| Assets per employee ($millions) | 5.5058% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | 0.0000% | 6,760 |
| Total domestic deposits to total assets | 0.4114% | 6,812 |
| Equity capital to assets | 92.9860% | 10 |
| Core capital (leverage) ratio | 92.9661% | 8 |
| Tier 1 risk-based capital ratio | 646.9716% | 3 |
| Total risk-based capital ratio | 646.9716% | 3 |
| Memoranda: | ||
| Average total assets | $741,124,200 | 898 |
| Average earning assets | $729,843,800 | 833 |
| Average equity | $125,719,800 | 564 |
| Average total loans | $148,975,800 | 2,575 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4908% | 6,831 |
| Cost of funding earning assets | 0.5275% | 3,492 |
| Net interest margin | 0.9633% | 6,847 |
| Noninterest income to average assets | 0.1615% | 6,216 |
| Noninterest expense to average assets | 1.7089% | 6,462 |
| Loan and lease loss provision to assets | 2.3345% | 28 |
| Net operating income to assets | -3.0040% | 6,850 |
| Return on assets (ROA) | -2.8712% | 6,843 |
| Pretax return on assets | -2.7995% | 6,838 |
| Return on Equity (ROE) | -20.1156% | 6,773 |
| Retained earnings to average equity (ytd only) | -20.1156% | 6,758 |
| Net charge-offs to loans | 13.0373% | 3 |
| Credit loss provision to net charge-offs | 86.0344% | 2,712 |
| Earnings coverage of net charge-offs (x) | -0.2203% | 4,916 |
| Efficiency ratio | 153.8090% | 67 |
| Assets per employee ($millions) | 27.5741% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,828 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 0.3013% | 5,518 |
| Noncurrent loans to loans | 1.3508% | 3,161 |
| Net loans and leases to total assets | 20.0808% | 6,749 |
| Net loans and leases to deposits | 30.1005% | 6,665 |
| Net loans and leases to core deposits | 30.1005% | 6,679 |
| Total domestic deposits to total assets | 66.7126% | 6,692 |
| Equity capital to assets | 14.6597% | 784 |
| Core capital (leverage) ratio | 14.5112% | 731 |
| Tier 1 risk-based capital ratio | 76.8491% | 63 |
| Total risk-based capital ratio | 76.8491% | 66 |
| Memoranda: | ||
| Average total assets | $894,747,000 | 743 |
| Average earning assets | $881,903,750 | 682 |
| Average equity | $127,712,000 | 562 |
| Average total loans | $186,219,750 | 2,141 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4956% | 6,882 |
| Cost of funding earning assets | 0.5519% | 3,391 |
| Net interest margin | 0.9437% | 6,898 |
| Noninterest income to average assets | 0.0853% | 6,570 |
| Noninterest expense to average assets | 1.6744% | 6,528 |
| Loan and lease loss provision to assets | 3.4167% | 14 |
| Net operating income to assets | -4.1371% | 6,920 |
| Return on assets (ROA) | -4.2278% | 6,919 |
| Pretax return on assets | -4.1667% | 6,917 |
| Return on Equity (ROE) | -29.8520% | 6,862 |
| Retained earnings to average equity (ytd only) | -29.8520% | 6,849 |
| Net charge-offs to loans | 18.7033% | 3 |
| Credit loss provision to net charge-offs | 86.8947% | 2,500 |
| Earnings coverage of net charge-offs (x) | -0.1677% | 4,609 |
| Efficiency ratio | 164.9511% | 51 |
| Assets per employee ($millions) | 30.2894% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0922% | 6,863 |
| Loan loss allowance to noncurrent loans | 7.1265% | 6,438 |
| Noncurrent assets plus other real estate owned to assets | 0.2903% | 5,607 |
| Noncurrent loans to loans | 1.2937% | 3,393 |
| Net loans and leases to total assets | 19.2455% | 6,806 |
| Net loans and leases to deposits | 22.3912% | 6,817 |
| Net loans and leases to core deposits | 23.6576% | 6,813 |
| Total domestic deposits to total assets | 85.9512% | 3,398 |
| Equity capital to assets | 13.4188% | 1,173 |
| Core capital (leverage) ratio | 13.2089% | 1,094 |
| Tier 1 risk-based capital ratio | 63.4384% | 82 |
| Total risk-based capital ratio | 63.5241% | 81 |
| Memoranda: | ||
| Average total assets | $926,446,330 | 718 |
| Average earning assets | $912,837,670 | 653 |
| Average equity | $131,207,330 | 555 |
| Average total loans | $194,767,670 | 2,058 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5161% | 6,963 |
| Cost of funding earning assets | 0.5933% | 3,168 |
| Net interest margin | 0.9228% | 6,978 |
| Noninterest income to average assets | 0.1620% | 6,292 |
| Noninterest expense to average assets | 1.8740% | 6,318 |
| Loan and lease loss provision to assets | 0.0417% | 3,906 |
| Net operating income to assets | -0.6023% | 6,713 |
| Return on assets (ROA) | -0.6077% | 6,731 |
| Pretax return on assets | -0.8526% | 6,766 |
| Return on Equity (ROE) | -4.1893% | 6,663 |
| Retained earnings to average equity (ytd only) | -4.1893% | 6,297 |
| Net charge-offs to loans | 0.4047% | 1,444 |
| Credit loss provision to net charge-offs | 47.1429% | 2,645 |
| Earnings coverage of net charge-offs (x) | -9.0905% | 4,099 |
| Efficiency ratio | 175.0393% | 57 |
| Assets per employee ($millions) | 30.6836% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 5,308 |
| Loan loss allowance to noncurrent loans | 87.0437% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 5,561 |
| Noncurrent loans to loans | 1.3476% | 3,544 |
| Net loans and leases to total assets | 22.2598% | 6,815 |
| Net loans and leases to deposits | 26.3420% | 6,813 |
| Net loans and leases to core deposits | 28.0653% | 6,795 |
| Total domestic deposits to total assets | 84.5029% | 4,265 |
| Equity capital to assets | 14.8910% | 782 |
| Core capital (leverage) ratio | 14.6084% | 648 |
| Tier 1 risk-based capital ratio | 59.8137% | 91 |
| Total risk-based capital ratio | 60.9021% | 90 |
| Memoranda: | ||
| Average total assets | $950,472,500 | 707 |
| Average earning assets | $935,818,500 | 646 |
| Average equity | $137,876,000 | 539 |
| Average total loans | $207,548,000 | 1,964 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8524% | 7,001 |
| Cost of funding earning assets | 0.6338% | 4,058 |
| Net interest margin | 1.2187% | 7,017 |
| Noninterest income to average assets | 0.1514% | 6,280 |
| Noninterest expense to average assets | 1.2908% | 6,956 |
| Loan and lease loss provision to assets | 0.1291% | 4,001 |
| Net operating income to assets | -0.0136% | 6,187 |
| Return on assets (ROA) | -0.2834% | 6,484 |
| Pretax return on assets | -0.4954% | 6,568 |
| Return on Equity (ROE) | -2.0859% | 6,459 |
| Retained earnings to average equity (ytd only) | -2.0859% | 6,169 |
| Net charge-offs to loans | 0.5980% | 1,941 |
| Credit loss provision to net charge-offs | 110.6655% | 2,642 |
| Earnings coverage of net charge-offs (x) | 0.4735% | 5,251 |
| Efficiency ratio | 95.8962% | 712 |
| Assets per employee ($millions) | 30.6387% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 4,999 |
| Loan loss allowance to noncurrent loans | 73.1588% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 0.4197% | 5,437 |
| Noncurrent loans to loans | 1.6731% | 3,113 |
| Net loans and leases to total assets | 20.9313% | 6,912 |
| Net loans and leases to deposits | 25.0538% | 6,912 |
| Net loans and leases to core deposits | 26.6506% | 6,902 |
| Total domestic deposits to total assets | 83.5454% | 4,522 |
| Equity capital to assets | 14.1446% | 988 |
| Core capital (leverage) ratio | 13.8623% | 837 |
| Tier 1 risk-based capital ratio | 59.7595% | 98 |
| Total risk-based capital ratio | 60.8843% | 97 |
| Memoranda: | ||
| Average total assets | $1,004,734,400 | 659 |
| Average earning assets | $984,924,800 | 602 |
| Average equity | $136,490,000 | 531 |
| Average total loans | $195,986,800 | 2,038 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8932% | 7,111 |
| Cost of funding earning assets | 0.6425% | 4,258 |
| Net interest margin | 1.2507% | 7,125 |
| Noninterest income to average assets | 0.1628% | 6,326 |
| Noninterest expense to average assets | 1.2720% | 7,056 |
| Loan and lease loss provision to assets | 0.1303% | 3,920 |
| Net operating income to assets | -0.0021% | 6,285 |
| Return on assets (ROA) | -0.4866% | 6,727 |
| Pretax return on assets | -0.7718% | 6,800 |
| Return on Equity (ROE) | -3.6181% | 6,657 |
| Retained earnings to average equity (ytd only) | -3.6181% | 6,526 |
| Net charge-offs to loans | 0.6534% | 1,674 |
| Credit loss provision to net charge-offs | 104.4397% | 2,824 |
| Earnings coverage of net charge-offs (x) | 0.9260% | 4,862 |
| Efficiency ratio | 91.6722% | 908 |
| Assets per employee ($millions) | 28.5176% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 5,265 |
| Loan loss allowance to noncurrent loans | 72.3317% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 0.4185% | 5,641 |
| Noncurrent loans to loans | 1.6628% | 3,298 |
| Net loans and leases to total assets | 20.8408% | 7,014 |
| Net loans and leases to deposits | 25.0738% | 7,019 |
| Net loans and leases to core deposits | 26.8255% | 7,007 |
| Total domestic deposits to total assets | 83.1177% | 4,602 |
| Equity capital to assets | 14.3113% | 1,034 |
| Core capital (leverage) ratio | 13.9533% | 851 |
| Tier 1 risk-based capital ratio | 40.5113% | 229 |
| Total risk-based capital ratio | 41.2536% | 237 |
| Memoranda: | ||
| Average total assets | $1,010,808,750 | 664 |
| Average earning assets | $989,807,500 | 599 |
| Average equity | $135,942,750 | 534 |
| Average total loans | $193,043,250 | 2,093 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8929% | 7,183 |
| Cost of funding earning assets | 0.6482% | 4,454 |
| Net interest margin | 1.2447% | 7,193 |
| Noninterest income to average assets | 0.1917% | 6,184 |
| Noninterest expense to average assets | 1.2698% | 7,119 |
| Loan and lease loss provision to assets | 0.0730% | 4,716 |
| Net operating income to assets | 0.0521% | 6,253 |
| Return on assets (ROA) | -0.1804% | 6,601 |
| Pretax return on assets | -0.2955% | 6,636 |
| Return on Equity (ROE) | -1.3689% | 6,571 |
| Retained earnings to average equity (ytd only) | -1.3689% | 6,265 |
| Net charge-offs to loans | 0.4757% | 2,163 |
| Credit loss provision to net charge-offs | 83.1111% | 3,240 |
| Earnings coverage of net charge-offs (x) | 1.6022% | 4,194 |
| Efficiency ratio | 90.0221% | 1,068 |
| Assets per employee ($millions) | 27.2296% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 5,262 |
| Loan loss allowance to noncurrent loans | 64.7677% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4182% | 5,738 |
| Noncurrent loans to loans | 1.8855% | 3,094 |
| Net loans and leases to total assets | 18.8024% | 7,097 |
| Net loans and leases to deposits | 22.5792% | 7,104 |
| Net loans and leases to core deposits | 24.1453% | 7,099 |
| Total domestic deposits to total assets | 83.2732% | 4,639 |
| Equity capital to assets | 13.5699% | 1,273 |
| Core capital (leverage) ratio | 13.5943% | 941 |
| Tier 1 risk-based capital ratio | 40.1295% | 225 |
| Total risk-based capital ratio | 40.8154% | 232 |
| Memoranda: | ||
| Average total assets | $1,024,545,000 | 649 |
| Average earning assets | $1,003,320,000 | 593 |
| Average equity | $135,003,000 | 535 |
| Average total loans | $189,213,670 | 2,123 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9118% | 7,243 |
| Cost of funding earning assets | 0.6543% | 4,686 |
| Net interest margin | 1.2575% | 7,257 |
| Noninterest income to average assets | 0.2300% | 5,978 |
| Noninterest expense to average assets | 1.3622% | 7,139 |
| Loan and lease loss provision to assets | 0.0596% | 4,666 |
| Net operating income to assets | 0.0263% | 6,371 |
| Return on assets (ROA) | -0.3318% | 6,765 |
| Pretax return on assets | -0.4875% | 6,820 |
| Return on Equity (ROE) | -2.5554% | 6,725 |
| Retained earnings to average equity (ytd only) | -2.5554% | 6,344 |
| Net charge-offs to loans | 0.4661% | 1,918 |
| Credit loss provision to net charge-offs | 70.3196% | 2,904 |
| Earnings coverage of net charge-offs (x) | 1.1644% | 3,753 |
| Efficiency ratio | 93.2415% | 869 |
| Assets per employee ($millions) | 27.1440% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 5,297 |
| Loan loss allowance to noncurrent loans | 62.3311% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 0.3953% | 5,879 |
| Noncurrent loans to loans | 1.9936% | 3,177 |
| Net loans and leases to total assets | 18.6195% | 7,161 |
| Net loans and leases to deposits | 22.1141% | 7,166 |
| Net loans and leases to core deposits | 23.6687% | 7,157 |
| Total domestic deposits to total assets | 84.1975% | 4,400 |
| Equity capital to assets | 13.5536% | 1,217 |
| Core capital (leverage) ratio | 13.6301% | 897 |
| Tier 1 risk-based capital ratio | 38.2360% | 261 |
| Total risk-based capital ratio | 38.8922% | 268 |
| Memoranda: | ||
| Average total assets | $1,033,069,000 | 644 |
| Average earning assets | $1,011,173,500 | 588 |
| Average equity | $134,146,500 | 536 |
| Average total loans | $187,932,500 | 2,139 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9670% | 7,291 |
| Cost of funding earning assets | 0.6815% | 5,653 |
| Net interest margin | 1.2855% | 7,303 |
| Noninterest income to average assets | 0.1223% | 6,537 |
| Noninterest expense to average assets | 1.1835% | 7,271 |
| Loan and lease loss provision to assets | 0.1277% | 5,017 |
| Net operating income to assets | 0.1996% | 5,593 |
| Return on assets (ROA) | 0.0896% | 6,002 |
| Pretax return on assets | -0.1053% | 6,215 |
| Return on Equity (ROE) | 0.7157% | 6,019 |
| Retained earnings to average equity (ytd only) | 0.7157% | 5,514 |
| Net charge-offs to loans | 0.4707% | 3,105 |
| Credit loss provision to net charge-offs | 147.5356% | 1,933 |
| Earnings coverage of net charge-offs (x) | 2.2453% | 4,103 |
| Efficiency ratio | 85.8981% | 1,576 |
| Assets per employee ($millions) | 28.6975% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 4,922 |
| Loan loss allowance to noncurrent loans | 69.3831% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 6,070 |
| Noncurrent loans to loans | 1.8685% | 3,388 |
| Net loans and leases to total assets | 17.3377% | 7,235 |
| Net loans and leases to deposits | 20.5510% | 7,248 |
| Net loans and leases to core deposits | 21.8167% | 7,237 |
| Total domestic deposits to total assets | 84.3643% | 4,158 |
| Equity capital to assets | 12.4476% | 1,823 |
| Core capital (leverage) ratio | 12.9218% | 1,172 |
| Tier 1 risk-based capital ratio | 36.0037% | 307 |
| Total risk-based capital ratio | 36.6347% | 318 |
| Memoranda: | ||
| Average total assets | $1,055,073,400 | 627 |
| Average earning assets | $1,030,527,000 | 569 |
| Average equity | $132,036,600 | 526 |
| Average total loans | $193,961,800 | 2,097 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0115% | 7,365 |
| Cost of funding earning assets | 0.6835% | 5,860 |
| Net interest margin | 1.3279% | 7,377 |
| Noninterest income to average assets | 0.1267% | 6,619 |
| Noninterest expense to average assets | 1.1745% | 7,349 |
| Loan and lease loss provision to assets | 0.0868% | 5,359 |
| Net operating income to assets | 0.1480% | 5,842 |
| Return on assets (ROA) | 0.0224% | 6,221 |
| Pretax return on assets | -0.0343% | 6,264 |
| Return on Equity (ROE) | 0.1788% | 6,223 |
| Retained earnings to average equity (ytd only) | 0.1788% | 5,902 |
| Net charge-offs to loans | -0.1573% | 7,233 |
| Credit loss provision to net charge-offs | -296.9697% | 6,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5167% | 1,901 |
| Assets per employee ($millions) | 29.6523% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4897% | 4,153 |
| Loan loss allowance to noncurrent loans | 72.8528% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 6,102 |
| Noncurrent loans to loans | 2.0448% | 3,311 |
| Net loans and leases to total assets | 17.4849% | 7,315 |
| Net loans and leases to deposits | 21.2968% | 7,313 |
| Net loans and leases to core deposits | 22.4409% | 7,308 |
| Total domestic deposits to total assets | 82.1010% | 5,054 |
| Equity capital to assets | 12.0585% | 2,207 |
| Core capital (leverage) ratio | 12.4484% | 1,462 |
| Tier 1 risk-based capital ratio | 34.8827% | 359 |
| Total risk-based capital ratio | 35.6204% | 365 |
| Memoranda: | ||
| Average total assets | $1,053,389,500 | 631 |
| Average earning assets | $1,028,541,250 | 575 |
| Average equity | $132,003,250 | 533 |
| Average total loans | $195,824,500 | 2,098 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0616% | 7,443 |
| Cost of funding earning assets | 0.6967% | 5,984 |
| Net interest margin | 1.3648% | 7,452 |
| Noninterest income to average assets | 0.1261% | 6,696 |
| Noninterest expense to average assets | 1.1802% | 7,430 |
| Loan and lease loss provision to assets | 0.0811% | 5,296 |
| Net operating income to assets | 0.1889% | 5,774 |
| Return on assets (ROA) | 0.0260% | 6,257 |
| Pretax return on assets | -0.0599% | 6,324 |
| Return on Equity (ROE) | 0.2047% | 6,267 |
| Retained earnings to average equity (ytd only) | 0.2047% | 5,757 |
| Net charge-offs to loans | -0.3405% | 7,359 |
| Credit loss provision to net charge-offs | -126.0479% | 6,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0632% | 2,231 |
| Assets per employee ($millions) | 27.5781% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 4,575 |
| Loan loss allowance to noncurrent loans | 77.7746% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 6,193 |
| Noncurrent loans to loans | 1.7985% | 3,756 |
| Net loans and leases to total assets | 18.9290% | 7,381 |
| Net loans and leases to deposits | 23.1071% | 7,384 |
| Net loans and leases to core deposits | 24.4379% | 7,377 |
| Total domestic deposits to total assets | 81.9185% | 5,197 |
| Equity capital to assets | 13.0496% | 1,496 |
| Core capital (leverage) ratio | 13.3878% | 1,031 |
| Tier 1 risk-based capital ratio | 34.2990% | 373 |
| Total risk-based capital ratio | 34.7772% | 391 |
| Memoranda: | ||
| Average total assets | $1,038,807,330 | 649 |
| Average earning assets | $1,012,137,330 | 594 |
| Average equity | $131,905,000 | 532 |
| Average total loans | $196,188,000 | 2,120 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0715% | 7,505 |
| Cost of funding earning assets | 0.7000% | 6,137 |
| Net interest margin | 1.3715% | 7,512 |
| Noninterest income to average assets | 0.1198% | 6,814 |
| Noninterest expense to average assets | 1.2298% | 7,480 |
| Loan and lease loss provision to assets | 0.0821% | 4,973 |
| Net operating income to assets | 0.2128% | 5,749 |
| Return on assets (ROA) | -0.1057% | 6,483 |
| Pretax return on assets | -0.3519% | 6,651 |
| Return on Equity (ROE) | -0.8440% | 6,465 |
| Retained earnings to average equity (ytd only) | -0.8440% | 5,950 |
| Net charge-offs to loans | 0.4421% | 2,373 |
| Credit loss provision to net charge-offs | 99.0783% | 2,752 |
| Earnings coverage of net charge-offs (x) | 2.7512% | 2,979 |
| Efficiency ratio | 84.3676% | 1,913 |
| Assets per employee ($millions) | 33.2767% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0311% | 6,282 |
| Loan loss allowance to noncurrent loans | 65.7048% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 6,374 |
| Noncurrent loans to loans | 1.5692% | 4,124 |
| Net loans and leases to total assets | 18.4329% | 7,447 |
| Net loans and leases to deposits | 22.5812% | 7,448 |
| Net loans and leases to core deposits | 23.9915% | 7,439 |
| Total domestic deposits to total assets | 81.6295% | 5,446 |
| Equity capital to assets | 12.8135% | 1,467 |
| Core capital (leverage) ratio | 13.1921% | 1,062 |
| Tier 1 risk-based capital ratio | 33.7297% | 382 |
| Total risk-based capital ratio | 34.2185% | 397 |
| Memoranda: | ||
| Average total assets | $1,048,016,500 | 647 |
| Average earning assets | $1,022,255,000 | 594 |
| Average equity | $131,279,000 | 528 |
| Average total loans | $196,337,500 | 2,140 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1491% | 7,556 |
| Cost of funding earning assets | 0.7887% | 6,617 |
| Net interest margin | 1.3604% | 7,561 |
| Noninterest income to average assets | 0.2148% | 6,276 |
| Noninterest expense to average assets | 1.2657% | 7,529 |
| Loan and lease loss provision to assets | -0.2249% | 7,627 |
| Net operating income to assets | 0.5187% | 4,010 |
| Return on assets (ROA) | 0.1132% | 5,698 |
| Pretax return on assets | 0.0879% | 5,726 |
| Return on Equity (ROE) | 1.0219% | 5,682 |
| Retained earnings to average equity (ytd only) | 1.0219% | 5,029 |
| Net charge-offs to loans | -1.1498% | 7,605 |
| Credit loss provision to net charge-offs | 108.9035% | 4,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5019% | 2,101 |
| Assets per employee ($millions) | 33.2643% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 6,429 |
| Loan loss allowance to noncurrent loans | 59.2062% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 6,367 |
| Noncurrent loans to loans | 1.6710% | 3,994 |
| Net loans and leases to total assets | 18.6537% | 7,529 |
| Net loans and leases to deposits | 22.6287% | 7,537 |
| Net loans and leases to core deposits | 23.9347% | 7,532 |
| Total domestic deposits to total assets | 82.4336% | 5,047 |
| Equity capital to assets | 12.2482% | 1,767 |
| Core capital (leverage) ratio | 12.7870% | 1,202 |
| Tier 1 risk-based capital ratio | 33.2892% | 397 |
| Total risk-based capital ratio | 33.7714% | 409 |
| Memoranda: | ||
| Average total assets | $1,104,132,200 | 601 |
| Average earning assets | $1,070,775,600 | 565 |
| Average equity | $122,325,800 | 557 |
| Average total loans | $198,287,800 | 2,170 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2162% | 7,681 |
| Cost of funding earning assets | 0.7991% | 6,767 |
| Net interest margin | 1.4171% | 7,678 |
| Noninterest income to average assets | 0.2456% | 6,135 |
| Noninterest expense to average assets | 1.2459% | 7,651 |
| Loan and lease loss provision to assets | -0.3191% | 7,734 |
| Net operating income to assets | 0.5117% | 4,259 |
| Return on assets (ROA) | 0.1709% | 5,747 |
| Pretax return on assets | 0.2311% | 5,660 |
| Return on Equity (ROE) | 1.5825% | 5,742 |
| Retained earnings to average equity (ytd only) | 1.5825% | 5,162 |
| Net charge-offs to loans | -1.7344% | 7,709 |
| Credit loss provision to net charge-offs | 103.6547% | 4,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9800% | 2,765 |
| Assets per employee ($millions) | 33.4048% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0679% | 6,083 |
| Loan loss allowance to noncurrent loans | 62.6084% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 0.3220% | 6,578 |
| Noncurrent loans to loans | 1.7056% | 4,079 |
| Net loans and leases to total assets | 17.5900% | 7,641 |
| Net loans and leases to deposits | 21.0482% | 7,659 |
| Net loans and leases to core deposits | 22.3818% | 7,646 |
| Total domestic deposits to total assets | 83.5703% | 4,337 |
| Equity capital to assets | 11.6275% | 2,432 |
| Core capital (leverage) ratio | 12.2859% | 1,516 |
| Tier 1 risk-based capital ratio | 31.9102% | 439 |
| Total risk-based capital ratio | 32.3972% | 457 |
| Memoranda: | ||
| Average total assets | $1,114,051,250 | 591 |
| Average earning assets | $1,079,254,000 | 557 |
| Average equity | $120,313,000 | 560 |
| Average total loans | $197,723,750 | 2,209 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2826% | 7,757 |
| Cost of funding earning assets | 0.8037% | 6,906 |
| Net interest margin | 1.4788% | 7,746 |
| Noninterest income to average assets | 0.2510% | 6,116 |
| Noninterest expense to average assets | 1.2591% | 7,716 |
| Loan and lease loss provision to assets | -0.5238% | 7,814 |
| Net operating income to assets | 0.6505% | 3,625 |
| Return on assets (ROA) | 0.3857% | 4,982 |
| Pretax return on assets | 0.5596% | 4,700 |
| Return on Equity (ROE) | 3.6638% | 4,933 |
| Retained earnings to average equity (ytd only) | 3.6638% | 3,767 |
| Net charge-offs to loans | -3.1236% | 7,777 |
| Credit loss provision to net charge-offs | 94.5431% | 4,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0080% | 3,260 |
| Assets per employee ($millions) | 31.3510% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 5,329 |
| Loan loss allowance to noncurrent loans | 92.3922% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 6,800 |
| Noncurrent loans to loans | 1.3252% | 4,737 |
| Net loans and leases to total assets | 17.3223% | 7,712 |
| Net loans and leases to deposits | 20.3020% | 7,729 |
| Net loans and leases to core deposits | 21.6692% | 7,717 |
| Total domestic deposits to total assets | 85.3233% | 3,453 |
| Equity capital to assets | 11.2482% | 2,641 |
| Core capital (leverage) ratio | 12.3138% | 1,490 |
| Tier 1 risk-based capital ratio | 30.8060% | 466 |
| Total risk-based capital ratio | 31.3325% | 495 |
| Memoranda: | ||
| Average total assets | $1,117,949,000 | 587 |
| Average earning assets | $1,079,227,000 | 559 |
| Average equity | $117,691,670 | 566 |
| Average total loans | $198,299,000 | 2,231 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3577% | 7,861 |
| Cost of funding earning assets | 0.8117% | 7,054 |
| Net interest margin | 1.5460% | 7,826 |
| Noninterest income to average assets | 0.3333% | 5,480 |
| Noninterest expense to average assets | 1.3032% | 7,804 |
| Loan and lease loss provision to assets | -1.1359% | 7,920 |
| Net operating income to assets | 1.1377% | 1,715 |
| Return on assets (ROA) | 0.9746% | 2,348 |
| Pretax return on assets | 1.4177% | 1,723 |
| Return on Equity (ROE) | 9.5763% | 2,259 |
| Retained earnings to average equity (ytd only) | 9.5763% | 1,247 |
| Net charge-offs to loans | -6.7166% | 7,879 |
| Credit loss provision to net charge-offs | 94.8210% | 3,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5453% | 4,010 |
| Assets per employee ($millions) | 31.3505% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1764% | 5,626 |
| Loan loss allowance to noncurrent loans | 84.4778% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 6,847 |
| Noncurrent loans to loans | 1.3925% | 4,641 |
| Net loans and leases to total assets | 17.5814% | 7,811 |
| Net loans and leases to deposits | 21.0434% | 7,824 |
| Net loans and leases to core deposits | 22.7443% | 7,811 |
| Total domestic deposits to total assets | 83.5482% | 4,365 |
| Equity capital to assets | 10.6504% | 3,089 |
| Core capital (leverage) ratio | 11.9688% | 1,665 |
| Tier 1 risk-based capital ratio | 29.9666% | 529 |
| Total risk-based capital ratio | 30.4779% | 554 |
| Memoranda: | ||
| Average total assets | $1,128,281,000 | 599 |
| Average earning assets | $1,086,164,000 | 572 |
| Average equity | $114,825,000 | 583 |
| Average total loans | $201,233,000 | 2,268 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6405% | 7,904 |
| Cost of funding earning assets | 0.8198% | 7,531 |
| Net interest margin | 1.8208% | 7,800 |
| Noninterest income to average assets | 0.3656% | 5,472 |
| Noninterest expense to average assets | 1.3577% | 7,857 |
| Loan and lease loss provision to assets | 0.2049% | 5,705 |
| Net operating income to assets | 0.4091% | 4,095 |
| Return on assets (ROA) | -0.5699% | 6,242 |
| Pretax return on assets | -0.7773% | 6,253 |
| Return on Equity (ROE) | -7.1179% | 6,390 |
| Retained earnings to average equity (ytd only) | -7.1179% | 6,250 |
| Net charge-offs to loans | 1.0722% | 2,272 |
| Credit loss provision to net charge-offs | 116.3148% | 4,667 |
| Earnings coverage of net charge-offs (x) | 4.3642% | 2,973 |
| Efficiency ratio | 63.8485% | 5,802 |
| Assets per employee ($millions) | 31.3318% | 52 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 5,976 |
| Loan loss allowance to noncurrent loans | 78.4152% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 0.2473% | 6,838 |
| Noncurrent loans to loans | 1.3829% | 4,609 |
| Net loans and leases to total assets | 17.6862% | 7,885 |
| Net loans and leases to deposits | 20.4882% | 7,906 |
| Net loans and leases to core deposits | 23.2549% | 7,905 |
| Total domestic deposits to total assets | 86.3237% | 2,859 |
| Equity capital to assets | 9.7032% | 4,143 |
| Core capital (leverage) ratio | 11.6141% | 1,859 |
| Tier 1 risk-based capital ratio | 30.6124% | 490 |
| Total risk-based capital ratio | 31.1058% | 513 |
| Memoranda: | ||
| Average total assets | $1,183,093,400 | 563 |
| Average earning assets | $1,144,193,800 | 529 |
| Average equity | $94,733,600 | 688 |
| Average total loans | $194,370,400 | 2,348 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6990% | 8,000 |
| Cost of funding earning assets | 0.8104% | 7,677 |
| Net interest margin | 1.8886% | 7,859 |
| Noninterest income to average assets | 0.3646% | 5,585 |
| Noninterest expense to average assets | 1.3725% | 7,932 |
| Loan and lease loss provision to assets | 0.1839% | 5,528 |
| Net operating income to assets | 0.4250% | 4,302 |
| Return on assets (ROA) | -0.5404% | 6,467 |
| Pretax return on assets | -0.8726% | 6,583 |
| Return on Equity (ROE) | -7.1032% | 6,670 |
| Retained earnings to average equity (ytd only) | -7.1032% | 6,518 |
| Net charge-offs to loans | 1.0373% | 1,903 |
| Credit loss provision to net charge-offs | 110.2136% | 4,615 |
| Earnings coverage of net charge-offs (x) | 4.9126% | 2,971 |
| Efficiency ratio | 62.6067% | 6,001 |
| Assets per employee ($millions) | 31.5211% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 6,301 |
| Loan loss allowance to noncurrent loans | 72.4900% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 0.2631% | 6,847 |
| Noncurrent loans to loans | 1.3778% | 4,613 |
| Net loans and leases to total assets | 17.4708% | 7,973 |
| Net loans and leases to deposits | 20.0290% | 7,993 |
| Net loans and leases to core deposits | 22.0360% | 7,988 |
| Total domestic deposits to total assets | 87.2274% | 2,062 |
| Equity capital to assets | 9.3091% | 5,022 |
| Core capital (leverage) ratio | 11.6202% | 2,009 |
| Tier 1 risk-based capital ratio | 25.5910% | 850 |
| Total risk-based capital ratio | 25.9631% | 902 |
| Memoranda: | ||
| Average total assets | $1,196,881,000 | 571 |
| Average earning assets | $1,158,286,000 | 540 |
| Average equity | $91,055,250 | 714 |
| Average total loans | $192,543,750 | 2,397 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8764% | 8,083 |
| Cost of funding earning assets | 0.7925% | 7,827 |
| Net interest margin | 2.0839% | 7,821 |
| Noninterest income to average assets | 0.3719% | 5,535 |
| Noninterest expense to average assets | 1.3612% | 8,030 |
| Loan and lease loss provision to assets | 0.1475% | 5,602 |
| Net operating income to assets | 0.5749% | 3,791 |
| Return on assets (ROA) | -0.7605% | 6,808 |
| Pretax return on assets | -1.2080% | 6,945 |
| Return on Equity (ROE) | -10.7431% | 7,095 |
| Retained earnings to average equity (ytd only) | -10.7431% | 6,952 |
| Net charge-offs to loans | 0.9864% | 1,780 |
| Credit loss provision to net charge-offs | 95.8378% | 4,743 |
| Earnings coverage of net charge-offs (x) | 6.6670% | 2,574 |
| Efficiency ratio | 57.0180% | 6,985 |
| Assets per employee ($millions) | 32.0001% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9314% | 6,640 |
| Loan loss allowance to noncurrent loans | 46.9367% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 0.3692% | 6,533 |
| Noncurrent loans to loans | 1.9844% | 3,548 |
| Net loans and leases to total assets | 16.6934% | 8,068 |
| Net loans and leases to deposits | 18.8773% | 8,088 |
| Net loans and leases to core deposits | 20.3100% | 8,087 |
| Total domestic deposits to total assets | 88.4312% | 1,557 |
| Equity capital to assets | 8.1685% | 6,537 |
| Core capital (leverage) ratio | 11.3009% | 2,194 |
| Tier 1 risk-based capital ratio | 24.3660% | 991 |
| Total risk-based capital ratio | 24.6857% | 1,072 |
| Memoranda: | ||
| Average total assets | $1,217,587,670 | 580 |
| Average earning assets | $1,177,598,670 | 541 |
| Average equity | $86,195,000 | 764 |
| Average total loans | $189,974,330 | 2,458 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3592% | 8,111 |
| Cost of funding earning assets | 0.7883% | 7,922 |
| Net interest margin | 2.5709% | 7,408 |
| Noninterest income to average assets | 0.3944% | 5,259 |
| Noninterest expense to average assets | 1.2870% | 8,084 |
| Loan and lease loss provision to assets | 0.1292% | 5,301 |
| Net operating income to assets | 0.9533% | 2,502 |
| Return on assets (ROA) | -1.2319% | 7,400 |
| Pretax return on assets | -1.8954% | 7,502 |
| Return on Equity (ROE) | -18.7302% | 7,727 |
| Retained earnings to average equity (ytd only) | -18.7302% | 7,609 |
| Net charge-offs to loans | 0.7429% | 1,700 |
| Credit loss provision to net charge-offs | 115.7593% | 3,371 |
| Earnings coverage of net charge-offs (x) | 14.2923% | 1,676 |
| Efficiency ratio | 44.6454% | 7,908 |
| Assets per employee ($millions) | 34.4293% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 6,223 |
| Loan loss allowance to noncurrent loans | 83.8255% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.1988% | 6,935 |
| Noncurrent loans to loans | 1.1868% | 4,599 |
| Net loans and leases to total assets | 15.2717% | 8,123 |
| Net loans and leases to deposits | 16.8970% | 8,149 |
| Net loans and leases to core deposits | 17.7684% | 8,154 |
| Total domestic deposits to total assets | 90.3810% | 649 |
| Equity capital to assets | 6.7383% | 7,791 |
| Core capital (leverage) ratio | 8.2554% | 5,986 |
| Tier 1 risk-based capital ratio | 23.6501% | 1,120 |
| Total risk-based capital ratio | 24.0783% | 1,185 |
| Memoranda: | ||
| Average total assets | $1,250,379,000 | 565 |
| Average earning assets | $1,210,181,000 | 531 |
| Average equity | $82,241,500 | 801 |
| Average total loans | $187,903,000 | 2,496 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5237% | 8,139 |
| Cost of funding earning assets | 1.5112% | 7,592 |
| Net interest margin | 2.0125% | 8,057 |
| Noninterest income to average assets | 0.4188% | 5,312 |
| Noninterest expense to average assets | 1.2688% | 8,135 |
| Loan and lease loss provision to assets | 5.1555% | 99 |
| Net operating income to assets | -2.6293% | 7,741 |
| Return on assets (ROA) | -2.6252% | 7,712 |
| Pretax return on assets | -4.0694% | 7,902 |
| Return on Equity (ROE) | -30.9198% | 7,975 |
| Retained earnings to average equity (ytd only) | -30.9198% | 7,927 |
| Net charge-offs to loans | 0.7656% | 1,620 |
| Credit loss provision to net charge-offs | 5,399.4418% | 95 |
| Earnings coverage of net charge-offs (x) | 11.3086% | 2,385 |
| Efficiency ratio | 54.0250% | 7,265 |
| Assets per employee ($millions) | 31.5326% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 6,050 |
| Loan loss allowance to noncurrent loans | 107.8855% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 6,963 |
| Noncurrent loans to loans | 0.9273% | 4,763 |
| Net loans and leases to total assets | 14.4907% | 8,192 |
| Net loans and leases to deposits | 16.0040% | 8,211 |
| Net loans and leases to core deposits | 16.7224% | 8,209 |
| Total domestic deposits to total assets | 90.5440% | 469 |
| Equity capital to assets | 6.4191% | 7,963 |
| Core capital (leverage) ratio | 8.3500% | 5,851 |
| Tier 1 risk-based capital ratio | 28.6166% | 728 |
| Total risk-based capital ratio | 29.1019% | 754 |
| Memoranda: | ||
| Average total assets | $1,313,337,200 | 517 |
| Average earning assets | $1,259,386,800 | 500 |
| Average equity | $111,507,800 | 603 |
| Average total loans | $163,785,400 | 2,718 |