Home > Auto Club Trust, FSB > Performance and Condition Ratios
Auto Club Trust, FSB, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9518% | 3,186 |
| Cost of funding earning assets | 3.4878% | 119 |
| Net interest margin | 1.4640% | 4,384 |
| Noninterest income to average assets | 1.9700% | 262 |
| Noninterest expense to average assets | 4.2959% | 321 |
| Loan and lease loss provision to assets | -0.1000% | 4,337 |
| Net operating income to assets | -0.7912% | 4,356 |
| Return on assets (ROA) | -0.7787% | 4,386 |
| Pretax return on assets | -0.7787% | 4,373 |
| Return on Equity (ROE) | -12.0200% | 4,399 |
| Retained earnings to average equity (ytd only) | -12.0169% | 4,294 |
| Net charge-offs to loans | 0.5752% | 244 |
| Credit loss provision to net charge-offs | -31.6527% | 4,350 |
| Earnings coverage of net charge-offs (x) | -2.9888% | 4,437 |
| Efficiency ratio | 126.0117% | 105 |
| Assets per employee ($millions) | 7.1707% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 1,466 |
| Loan loss allowance to noncurrent loans | 95.2603% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.7580% | 1,005 |
| Noncurrent loans to loans | 1.4210% | 708 |
| Net loans and leases to total assets | 51.2200% | 3,506 |
| Net loans and leases to deposits | 70.4108% | 2,838 |
| Net loans and leases to core deposits | 106.3202% | 1,012 |
| Total domestic deposits to total assets | 72.7500% | 4,130 |
| Equity capital to assets | 6.9025% | 4,057 |
| Core capital (leverage) ratio | 9.8049% | 2,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1292% | 750 |
| Memoranda: | ||
| Average total assets | $481,292,000 | 1,822 |
| Average earning assets | $471,584,500 | 1,757 |
| Average equity | $31,189,500 | 2,375 |
| Average total loans | $248,247,000 | 2,126 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0692% | 2,968 |
| Cost of funding earning assets | 3.5841% | 161 |
| Net interest margin | 1.4851% | 4,379 |
| Noninterest income to average assets | 1.3000% | 412 |
| Noninterest expense to average assets | 5.7336% | 189 |
| Loan and lease loss provision to assets | 0.4600% | 231 |
| Net operating income to assets | -3.4449% | 4,447 |
| Return on assets (ROA) | -3.4471% | 4,485 |
| Pretax return on assets | -3.4471% | 4,484 |
| Return on Equity (ROE) | -53.2800% | 4,476 |
| Retained earnings to average equity (ytd only) | -53.2802% | 4,502 |
| Net charge-offs to loans | 1.1374% | 129 |
| Credit loss provision to net charge-offs | 75.2753% | 2,165 |
| Earnings coverage of net charge-offs (x) | -4.9546% | 4,443 |
| Efficiency ratio | 208.7998% | 48 |
| Assets per employee ($millions) | 7.3013% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 1,091 |
| Loan loss allowance to noncurrent loans | 145.0813% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.5390% | 1,327 |
| Noncurrent loans to loans | 1.0146% | 988 |
| Net loans and leases to total assets | 50.5000% | 3,601 |
| Net loans and leases to deposits | 71.3560% | 2,844 |
| Net loans and leases to core deposits | 112.6239% | 828 |
| Total domestic deposits to total assets | 70.7700% | 4,188 |
| Equity capital to assets | 6.0841% | 4,194 |
| Core capital (leverage) ratio | 9.6998% | 3,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2544% | 853 |
| Memoranda: | ||
| Average total assets | $497,020,600 | 1,778 |
| Average earning assets | $483,190,200 | 1,713 |
| Average equity | $32,156,400 | 2,291 |
| Average total loans | $263,500,800 | 2,002 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0153% | 3,006 |
| Cost of funding earning assets | 3.5412% | 181 |
| Net interest margin | 1.4741% | 4,411 |
| Noninterest income to average assets | 1.0900% | 518 |
| Noninterest expense to average assets | 6.1023% | 169 |
| Loan and lease loss provision to assets | 0.4900% | 182 |
| Net operating income to assets | -4.0687% | 4,491 |
| Return on assets (ROA) | -4.0628% | 4,524 |
| Pretax return on assets | -4.0628% | 4,521 |
| Return on Equity (ROE) | -61.8700% | 4,510 |
| Retained earnings to average equity (ytd only) | -61.8745% | 4,533 |
| Net charge-offs to loans | 1.2437% | 109 |
| Credit loss provision to net charge-offs | 72.8520% | 1,908 |
| Earnings coverage of net charge-offs (x) | -5.3828% | 4,486 |
| Efficiency ratio | 241.8066% | 41 |
| Assets per employee ($millions) | 7.4195% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 1,038 |
| Loan loss allowance to noncurrent loans | 166.8416% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 1,470 |
| Noncurrent loans to loans | 0.9013% | 1,112 |
| Net loans and leases to total assets | 49.5100% | 3,657 |
| Net loans and leases to deposits | 70.4172% | 2,947 |
| Net loans and leases to core deposits | 115.9542% | 732 |
| Total domestic deposits to total assets | 70.3100% | 4,210 |
| Equity capital to assets | 6.7713% | 4,177 |
| Core capital (leverage) ratio | 9.5545% | 3,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8907% | 938 |
| Memoranda: | ||
| Average total assets | $497,153,000 | 1,772 |
| Average earning assets | $482,272,250 | 1,713 |
| Average equity | $32,643,750 | 2,267 |
| Average total loans | $265,757,000 | 1,982 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0557% | 2,851 |
| Cost of funding earning assets | 3.4989% | 176 |
| Net interest margin | 1.5568% | 4,424 |
| Noninterest income to average assets | 2.0400% | 246 |
| Noninterest expense to average assets | 6.0510% | 169 |
| Loan and lease loss provision to assets | 0.6700% | 121 |
| Net operating income to assets | -3.1708% | 4,497 |
| Return on assets (ROA) | -3.1769% | 4,534 |
| Pretax return on assets | -3.1769% | 4,533 |
| Return on Equity (ROE) | -48.9000% | 4,527 |
| Retained earnings to average equity (ytd only) | -48.9026% | 4,550 |
| Net charge-offs to loans | 1.3002% | 99 |
| Credit loss provision to net charge-offs | 93.2155% | 1,562 |
| Earnings coverage of net charge-offs (x) | -3.5279% | 4,506 |
| Efficiency ratio | 170.4864% | 68 |
| Assets per employee ($millions) | 7.2308% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6158% | 825 |
| Loan loss allowance to noncurrent loans | 217.0974% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.4347% | 1,494 |
| Noncurrent loans to loans | 0.7443% | 1,251 |
| Net loans and leases to total assets | 54.9000% | 3,348 |
| Net loans and leases to deposits | 78.7309% | 2,310 |
| Net loans and leases to core deposits | 127.3399% | 461 |
| Total domestic deposits to total assets | 69.7300% | 4,238 |
| Equity capital to assets | 6.4981% | 4,107 |
| Core capital (leverage) ratio | 10.2048% | 2,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6085% | 989 |
| Memoranda: | ||
| Average total assets | $494,695,333 | 1,774 |
| Average earning assets | $478,157,000 | 1,722 |
| Average equity | $32,137,333 | 2,263 |
| Average total loans | $269,802,333 | 1,966 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9975% | 2,782 |
| Cost of funding earning assets | 3.3800% | 200 |
| Net interest margin | 1.6175% | 4,443 |
| Noninterest income to average assets | 1.9900% | 243 |
| Noninterest expense to average assets | 5.9983% | 167 |
| Loan and lease loss provision to assets | 1.0200% | 76 |
| Net operating income to assets | -3.4717% | 4,567 |
| Return on assets (ROA) | -3.4805% | 4,565 |
| Pretax return on assets | -3.4805% | 4,563 |
| Return on Equity (ROE) | -53.5800% | 4,556 |
| Retained earnings to average equity (ytd only) | -53.5830% | 4,527 |
| Net charge-offs to loans | 1.2748% | 76 |
| Credit loss provision to net charge-offs | 146.3329% | 951 |
| Earnings coverage of net charge-offs (x) | -3.5600% | 4,526 |
| Efficiency ratio | 168.9204% | 39 |
| Assets per employee ($millions) | 7.1714% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7267% | 623 |
| Loan loss allowance to noncurrent loans | 276.4140% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3573% | 1,685 |
| Noncurrent loans to loans | 0.6247% | 1,403 |
| Net loans and leases to total assets | 56.2100% | 3,178 |
| Net loans and leases to deposits | 80.3561% | 2,033 |
| Net loans and leases to core deposits | 134.5604% | 344 |
| Total domestic deposits to total assets | 69.9500% | 4,287 |
| Equity capital to assets | 5.9704% | 4,210 |
| Core capital (leverage) ratio | 9.8246% | 2,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4335% | 1,189 |
| Memoranda: | ||
| Average total assets | $499,812,000 | 1,765 |
| Average earning assets | $482,479,500 | 1,708 |
| Average equity | $32,465,500 | 2,252 |
| Average total loans | $269,541,000 | 1,967 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5554% | 3,003 |
| Cost of funding earning assets | 2.7426% | 231 |
| Net interest margin | 1.8129% | 4,456 |
| Noninterest income to average assets | 1.9800% | 269 |
| Noninterest expense to average assets | 5.3688% | 203 |
| Loan and lease loss provision to assets | 0.4200% | 228 |
| Net operating income to assets | -1.2483% | 4,543 |
| Return on assets (ROA) | -1.2456% | 4,537 |
| Pretax return on assets | -2.0612% | 4,561 |
| Return on Equity (ROE) | -21.7700% | 4,554 |
| Retained earnings to average equity (ytd only) | -21.7650% | 4,530 |
| Net charge-offs to loans | 1.2489% | 74 |
| Credit loss provision to net charge-offs | 63.0952% | 2,131 |
| Earnings coverage of net charge-offs (x) | -2.4744% | 4,534 |
| Efficiency ratio | 144.0641% | 51 |
| Assets per employee ($millions) | 7.5343% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7528% | 589 |
| Loan loss allowance to noncurrent loans | 235.0969% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.3782% | 1,459 |
| Noncurrent loans to loans | 0.7456% | 1,047 |
| Net loans and leases to total assets | 49.8300% | 3,607 |
| Net loans and leases to deposits | 71.6619% | 2,773 |
| Net loans and leases to core deposits | 125.2996% | 504 |
| Total domestic deposits to total assets | 69.5400% | 4,304 |
| Equity capital to assets | 7.0103% | 3,934 |
| Core capital (leverage) ratio | 10.6578% | 2,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8418% | 703 |
| Memoranda: | ||
| Average total assets | $518,958,000 | 1,694 |
| Average earning assets | $500,260,000 | 1,638 |
| Average equity | $29,699,000 | 2,273 |
| Average total loans | $275,757,000 | 1,892 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 2,879 |
| Cost of funding earning assets | 2.6076% | 237 |
| Net interest margin | 1.9069% | 4,468 |
| Noninterest income to average assets | 1.9500% | 288 |
| Noninterest expense to average assets | 5.3284% | 208 |
| Loan and lease loss provision to assets | 0.4000% | 207 |
| Net operating income to assets | -1.9432% | 4,594 |
| Return on assets (ROA) | -1.9501% | 4,591 |
| Pretax return on assets | -1.9501% | 4,589 |
| Return on Equity (ROE) | -36.0300% | 4,592 |
| Retained earnings to average equity (ytd only) | -36.0334% | 4,578 |
| Net charge-offs to loans | 1.1809% | 80 |
| Credit loss provision to net charge-offs | 61.8262% | 1,852 |
| Earnings coverage of net charge-offs (x) | -2.4364% | 4,574 |
| Efficiency ratio | 140.8594% | 50 |
| Assets per employee ($millions) | 7.1873% | 1,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7788% | 592 |
| Loan loss allowance to noncurrent loans | 258.0472% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.3705% | 1,551 |
| Noncurrent loans to loans | 0.6893% | 1,193 |
| Net loans and leases to total assets | 52.7900% | 3,441 |
| Net loans and leases to deposits | 73.8848% | 2,574 |
| Net loans and leases to core deposits | 127.7688% | 373 |
| Total domestic deposits to total assets | 71.4500% | 4,272 |
| Equity capital to assets | 4.9977% | 4,252 |
| Core capital (leverage) ratio | 9.3334% | 3,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2180% | 1,067 |
| Memoranda: | ||
| Average total assets | $522,497,750 | 1,679 |
| Average earning assets | $503,484,000 | 1,623 |
| Average equity | $28,276,750 | 2,337 |
| Average total loans | $280,683,250 | 1,873 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4282% | 2,816 |
| Cost of funding earning assets | 2.4073% | 224 |
| Net interest margin | 2.0208% | 4,493 |
| Noninterest income to average assets | 1.9200% | 252 |
| Noninterest expense to average assets | 5.3762% | 202 |
| Loan and lease loss provision to assets | 0.4300% | 186 |
| Net operating income to assets | -1.9340% | 4,626 |
| Return on assets (ROA) | -1.9325% | 4,625 |
| Pretax return on assets | -1.9325% | 4,619 |
| Return on Equity (ROE) | -34.8600% | 4,624 |
| Retained earnings to average equity (ytd only) | -34.8624% | 4,603 |
| Net charge-offs to loans | 1.2122% | 69 |
| Credit loss provision to net charge-offs | 64.5180% | 1,613 |
| Earnings coverage of net charge-offs (x) | -2.3159% | 4,619 |
| Efficiency ratio | 138.9796% | 47 |
| Assets per employee ($millions) | 6.5183% | 2,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8713% | 525 |
| Loan loss allowance to noncurrent loans | 352.3614% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 1,837 |
| Noncurrent loans to loans | 0.5311% | 1,404 |
| Net loans and leases to total assets | 50.5100% | 3,524 |
| Net loans and leases to deposits | 71.1075% | 2,707 |
| Net loans and leases to core deposits | 124.2983% | 425 |
| Total domestic deposits to total assets | 71.0300% | 4,328 |
| Equity capital to assets | 5.2857% | 4,330 |
| Core capital (leverage) ratio | 9.0180% | 3,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3879% | 1,243 |
| Memoranda: | ||
| Average total assets | $528,961,000 | 1,668 |
| Average earning assets | $509,692,333 | 1,601 |
| Average equity | $29,321,000 | 2,291 |
| Average total loans | $284,110,000 | 1,844 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3233% | 2,742 |
| Cost of funding earning assets | 2.1427% | 218 |
| Net interest margin | 2.1806% | 4,506 |
| Noninterest income to average assets | 1.8300% | 256 |
| Noninterest expense to average assets | 5.3623% | 211 |
| Loan and lease loss provision to assets | 0.5000% | 150 |
| Net operating income to assets | -1.9309% | 4,647 |
| Return on assets (ROA) | -1.9187% | 4,641 |
| Pretax return on assets | -1.9187% | 4,637 |
| Return on Equity (ROE) | -33.8200% | 4,644 |
| Retained earnings to average equity (ytd only) | -33.8162% | 4,646 |
| Net charge-offs to loans | 1.3679% | 56 |
| Credit loss provision to net charge-offs | 65.4509% | 1,261 |
| Earnings coverage of net charge-offs (x) | -1.9088% | 4,648 |
| Efficiency ratio | 136.4410% | 52 |
| Assets per employee ($millions) | 5.9566% | 2,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9312% | 500 |
| Loan loss allowance to noncurrent loans | 391.4740% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 1,821 |
| Noncurrent loans to loans | 0.4933% | 1,485 |
| Net loans and leases to total assets | 52.4900% | 3,314 |
| Net loans and leases to deposits | 74.6147% | 2,247 |
| Net loans and leases to core deposits | 127.7452% | 307 |
| Total domestic deposits to total assets | 70.3500% | 4,407 |
| Equity capital to assets | 5.5320% | 4,332 |
| Core capital (leverage) ratio | 8.9897% | 3,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7606% | 1,426 |
| Memoranda: | ||
| Average total assets | $526,191,500 | 1,689 |
| Average earning assets | $506,837,000 | 1,631 |
| Average equity | $29,855,500 | 2,300 |
| Average total loans | $288,615,500 | 1,845 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1169% | 1,435 |
| Cost of funding earning assets | 1.0985% | 109 |
| Net interest margin | 3.0184% | 3,403 |
| Noninterest income to average assets | 1.7800% | 286 |
| Noninterest expense to average assets | 4.9690% | 219 |
| Loan and lease loss provision to assets | 0.6100% | 89 |
| Net operating income to assets | -0.8951% | 4,658 |
| Return on assets (ROA) | -0.9034% | 4,652 |
| Pretax return on assets | -0.9034% | 4,645 |
| Return on Equity (ROE) | -12.6200% | 4,671 |
| Retained earnings to average equity (ytd only) | -12.6179% | 4,655 |
| Net charge-offs to loans | 0.8434% | 78 |
| Credit loss provision to net charge-offs | 136.3895% | 1,363 |
| Earnings coverage of net charge-offs (x) | -0.6426% | 4,679 |
| Efficiency ratio | 106.1222% | 112 |
| Assets per employee ($millions) | 6.1418% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8421% | 606 |
| Loan loss allowance to noncurrent loans | 344.7950% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.3001% | 1,658 |
| Noncurrent loans to loans | 0.5342% | 1,378 |
| Net loans and leases to total assets | 55.1300% | 3,108 |
| Net loans and leases to deposits | 78.4617% | 1,898 |
| Net loans and leases to core deposits | 129.0443% | 241 |
| Total domestic deposits to total assets | 70.2700% | 4,468 |
| Equity capital to assets | 5.8147% | 4,149 |
| Core capital (leverage) ratio | 9.0900% | 3,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7439% | 1,423 |
| Memoranda: | ||
| Average total assets | $552,560,600 | 1,603 |
| Average earning assets | $531,250,200 | 1,546 |
| Average equity | $39,562,800 | 1,928 |
| Average total loans | $292,263,600 | 1,758 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0234% | 1,221 |
| Cost of funding earning assets | 0.9297% | 90 |
| Net interest margin | 3.0937% | 2,954 |
| Noninterest income to average assets | 1.7700% | 305 |
| Noninterest expense to average assets | 4.9134% | 220 |
| Loan and lease loss provision to assets | 0.6400% | 75 |
| Net operating income to assets | -0.8138% | 4,700 |
| Return on assets (ROA) | -0.8253% | 4,690 |
| Pretax return on assets | -0.8253% | 4,685 |
| Return on Equity (ROE) | -11.0400% | 4,704 |
| Retained earnings to average equity (ytd only) | -11.0366% | 4,684 |
| Net charge-offs to loans | 0.7162% | 77 |
| Credit loss provision to net charge-offs | 172.2506% | 1,055 |
| Earnings coverage of net charge-offs (x) | -0.4578% | 4,716 |
| Efficiency ratio | 103.6032% | 132 |
| Assets per employee ($millions) | 6.3569% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9015% | 602 |
| Loan loss allowance to noncurrent loans | 375.6098% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.2808% | 1,832 |
| Noncurrent loans to loans | 0.5063% | 1,533 |
| Net loans and leases to total assets | 54.4000% | 3,060 |
| Net loans and leases to deposits | 78.7806% | 1,657 |
| Net loans and leases to core deposits | 119.2424% | 270 |
| Total domestic deposits to total assets | 69.0600% | 4,548 |
| Equity capital to assets | 5.7858% | 4,044 |
| Core capital (leverage) ratio | 9.2280% | 3,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4660% | 1,579 |
| Memoranda: | ||
| Average total assets | $558,651,250 | 1,598 |
| Average earning assets | $536,911,750 | 1,548 |
| Average equity | $41,775,250 | 1,892 |
| Average total loans | $291,160,000 | 1,759 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8813% | 1,145 |
| Cost of funding earning assets | 0.8298% | 85 |
| Net interest margin | 3.0514% | 2,715 |
| Noninterest income to average assets | 1.7785% | 269 |
| Noninterest expense to average assets | 4.8736% | 179 |
| Loan and lease loss provision to assets | 0.7462% | 60 |
| Net operating income to assets | -0.9087% | 4,712 |
| Return on assets (ROA) | -0.8928% | 4,702 |
| Pretax return on assets | -0.8928% | 4,698 |
| Return on Equity (ROE) | -11.1353% | 4,731 |
| Retained earnings to average equity (ytd only) | -11.1353% | 4,680 |
| Net charge-offs to loans | 0.5660% | 117 |
| Credit loss provision to net charge-offs | 258.2108% | 859 |
| Earnings coverage of net charge-offs (x) | -0.5625% | 2,110 |
| Efficiency ratio | 103.4503% | 155 |
| Assets per employee ($millions) | 6.1717% | 2,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9712% | 588 |
| Loan loss allowance to noncurrent loans | 289.4763% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.3685% | 1,519 |
| Noncurrent loans to loans | 0.6810% | 1,266 |
| Net loans and leases to total assets | 53.0450% | 3,056 |
| Net loans and leases to deposits | 76.6630% | 1,636 |
| Net loans and leases to core deposits | 114.7143% | 267 |
| Total domestic deposits to total assets | 69.1924% | 4,627 |
| Equity capital to assets | 5.9731% | 4,208 |
| Core capital (leverage) ratio | 8.9335% | 3,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3336% | 1,926 |
| Memoranda: | ||
| Average total assets | $564,756,333 | 1,589 |
| Average earning assets | $542,762,333 | 1,546 |
| Average equity | $45,279,333 | 1,822 |
| Average total loans | $288,329,333 | 1,760 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7612% | 1,158 |
| Cost of funding earning assets | 0.7960% | 90 |
| Net interest margin | 2.9652% | 2,617 |
| Noninterest income to average assets | 1.6384% | 314 |
| Noninterest expense to average assets | 4.6379% | 193 |
| Loan and lease loss provision to assets | 0.4549% | 109 |
| Net operating income to assets | -0.6044% | 4,714 |
| Return on assets (ROA) | -0.6400% | 4,711 |
| Pretax return on assets | -0.6400% | 4,699 |
| Return on Equity (ROE) | -7.1126% | 4,723 |
| Retained earnings to average equity (ytd only) | -7.1126% | 4,493 |
| Net charge-offs to loans | 0.4734% | 144 |
| Credit loss provision to net charge-offs | 193.7500% | 788 |
| Earnings coverage of net charge-offs (x) | -0.6369% | 1,791 |
| Efficiency ratio | 103.3313% | 197 |
| Assets per employee ($millions) | 6.1458% | 2,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7146% | 1,027 |
| Loan loss allowance to noncurrent loans | 171.7904% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.5028% | 1,191 |
| Noncurrent loans to loans | 0.9981% | 906 |
| Net loans and leases to total assets | 49.5159% | 3,224 |
| Net loans and leases to deposits | 72.9557% | 1,703 |
| Net loans and leases to core deposits | 108.2705% | 298 |
| Total domestic deposits to total assets | 67.8712% | 4,677 |
| Equity capital to assets | 8.0246% | 3,546 |
| Core capital (leverage) ratio | 9.1319% | 3,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2221% | 2,108 |
| Memoranda: | ||
| Average total assets | $572,496,000 | 1,574 |
| Average earning assets | $550,251,000 | 1,530 |
| Average equity | $51,514,500 | 1,697 |
| Average total loans | $283,882,500 | 1,774 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3240% | 3,132 |
| Cost of funding earning assets | 0.9015% | 112 |
| Net interest margin | 2.4226% | 4,297 |
| Noninterest income to average assets | 1.8365% | 357 |
| Noninterest expense to average assets | 4.6619% | 201 |
| Loan and lease loss provision to assets | 0.4992% | 115 |
| Net operating income to assets | -1.0058% | 4,788 |
| Return on assets (ROA) | -0.9922% | 4,790 |
| Pretax return on assets | -0.9922% | 4,787 |
| Return on Equity (ROE) | -9.5961% | 4,803 |
| Retained earnings to average equity (ytd only) | -9.5961% | 4,763 |
| Net charge-offs to loans | 0.2756% | 322 |
| Credit loss provision to net charge-offs | 368.5000% | 958 |
| Earnings coverage of net charge-offs (x) | -3.7400% | 2,669 |
| Efficiency ratio | 112.1918% | 90 |
| Assets per employee ($millions) | 6.2998% | 2,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6146% | 1,222 |
| Loan loss allowance to noncurrent loans | 265.2729% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.2971% | 2,053 |
| Noncurrent loans to loans | 0.6087% | 1,621 |
| Net loans and leases to total assets | 48.0251% | 3,492 |
| Net loans and leases to deposits | 71.9877% | 1,911 |
| Net loans and leases to core deposits | 107.9920% | 321 |
| Total domestic deposits to total assets | 66.7130% | 4,722 |
| Equity capital to assets | 9.9481% | 2,699 |
| Core capital (leverage) ratio | 9.1166% | 3,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6630% | 1,990 |
| Memoranda: | ||
| Average total assets | $590,593,800 | 1,474 |
| Average earning assets | $565,310,200 | 1,441 |
| Average equity | $61,066,200 | 1,496 |
| Average total loans | $290,226,600 | 1,747 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2330% | 3,541 |
| Cost of funding earning assets | 0.9252% | 123 |
| Net interest margin | 2.3078% | 4,487 |
| Noninterest income to average assets | 1.9145% | 373 |
| Noninterest expense to average assets | 4.7488% | 196 |
| Loan and lease loss provision to assets | 0.4766% | 117 |
| Net operating income to assets | -1.1042% | 4,866 |
| Return on assets (ROA) | -1.0838% | 4,868 |
| Pretax return on assets | -1.0838% | 4,863 |
| Return on Equity (ROE) | -10.3854% | 4,881 |
| Retained earnings to average equity (ytd only) | -10.3854% | 4,849 |
| Net charge-offs to loans | 0.2132% | 388 |
| Credit loss provision to net charge-offs | 454.1756% | 805 |
| Earnings coverage of net charge-offs (x) | -5.9807% | 2,434 |
| Efficiency ratio | 115.2290% | 86 |
| Assets per employee ($millions) | 6.2111% | 2,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 1,990 |
| Loan loss allowance to noncurrent loans | 330.9504% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.2086% | 2,737 |
| Noncurrent loans to loans | 0.4257% | 2,287 |
| Net loans and leases to total assets | 48.3181% | 3,600 |
| Net loans and leases to deposits | 72.7873% | 1,984 |
| Net loans and leases to core deposits | 113.1028% | 270 |
| Total domestic deposits to total assets | 66.3826% | 4,790 |
| Equity capital to assets | 10.4286% | 2,511 |
| Core capital (leverage) ratio | 9.2826% | 3,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8676% | 2,019 |
| Memoranda: | ||
| Average total assets | $593,347,250 | 1,480 |
| Average earning assets | $567,342,250 | 1,455 |
| Average equity | $61,918,500 | 1,494 |
| Average total loans | $292,055,250 | 1,768 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1701% | 3,728 |
| Cost of funding earning assets | 0.9561% | 135 |
| Net interest margin | 2.2140% | 4,586 |
| Noninterest income to average assets | 2.0369% | 319 |
| Noninterest expense to average assets | 4.8590% | 184 |
| Loan and lease loss provision to assets | 0.3455% | 220 |
| Net operating income to assets | -1.0531% | 4,900 |
| Return on assets (ROA) | -1.0252% | 4,900 |
| Pretax return on assets | -1.0252% | 4,897 |
| Return on Equity (ROE) | -9.8217% | 4,913 |
| Retained earnings to average equity (ytd only) | -9.8217% | 4,869 |
| Net charge-offs to loans | 0.1802% | 470 |
| Credit loss provision to net charge-offs | 389.0152% | 771 |
| Earnings coverage of net charge-offs (x) | -7.9659% | 2,229 |
| Efficiency ratio | 117.0435% | 83 |
| Assets per employee ($millions) | 6.3243% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 3,269 |
| Loan loss allowance to noncurrent loans | 259.9673% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 2,899 |
| Noncurrent loans to loans | 0.4362% | 2,364 |
| Net loans and leases to total assets | 47.1692% | 3,810 |
| Net loans and leases to deposits | 70.9749% | 2,313 |
| Net loans and leases to core deposits | 110.9876% | 337 |
| Total domestic deposits to total assets | 66.4590% | 4,812 |
| Equity capital to assets | 10.3673% | 2,522 |
| Core capital (leverage) ratio | 9.2623% | 3,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3513% | 1,849 |
| Memoranda: | ||
| Average total assets | $594,443,667 | 1,472 |
| Average earning assets | $567,738,000 | 1,448 |
| Average equity | $62,046,333 | 1,484 |
| Average total loans | $293,014,000 | 1,771 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1607% | 3,758 |
| Cost of funding earning assets | 0.9854% | 144 |
| Net interest margin | 2.1753% | 4,631 |
| Noninterest income to average assets | 2.1573% | 330 |
| Noninterest expense to average assets | 5.2444% | 159 |
| Loan and lease loss provision to assets | 0.1432% | 929 |
| Net operating income to assets | -1.1366% | 4,934 |
| Return on assets (ROA) | -1.1500% | 4,935 |
| Pretax return on assets | -1.1500% | 4,935 |
| Return on Equity (ROE) | -10.9809% | 4,942 |
| Retained earnings to average equity (ytd only) | -10.9809% | 4,830 |
| Net charge-offs to loans | 0.0468% | 1,018 |
| Credit loss provision to net charge-offs | 611.4286% | 546 |
| Earnings coverage of net charge-offs (x) | -42.4000% | 1,922 |
| Efficiency ratio | 123.3664% | 64 |
| Assets per employee ($millions) | 6.0449% | 2,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8664% | 4,256 |
| Loan loss allowance to noncurrent loans | 140.1078% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.3131% | 2,576 |
| Noncurrent loans to loans | 0.6184% | 2,021 |
| Net loans and leases to total assets | 50.1969% | 3,606 |
| Net loans and leases to deposits | 75.4940% | 1,966 |
| Net loans and leases to core deposits | 114.6220% | 310 |
| Total domestic deposits to total assets | 66.4912% | 4,829 |
| Equity capital to assets | 10.2109% | 2,512 |
| Core capital (leverage) ratio | 9.0752% | 3,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2710% | 2,173 |
| Memoranda: | ||
| Average total assets | $597,587,000 | 1,454 |
| Average earning assets | $575,193,500 | 1,420 |
| Average equity | $62,581,500 | 1,461 |
| Average total loans | $299,215,500 | 1,755 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7615% | 4,767 |
| Cost of funding earning assets | 1.4073% | 125 |
| Net interest margin | 1.3542% | 4,928 |
| Noninterest income to average assets | 1.4000% | 598 |
| Noninterest expense to average assets | 4.2767% | 294 |
| Loan and lease loss provision to assets | 0.0784% | 3,399 |
| Net operating income to assets | -1.6439% | 4,950 |
| Return on assets (ROA) | -1.5981% | 4,950 |
| Pretax return on assets | -1.5981% | 4,947 |
| Return on Equity (ROE) | -14.9505% | 4,968 |
| Retained earnings to average equity (ytd only) | -14.9505% | 4,948 |
| Net charge-offs to loans | 0.1187% | 1,303 |
| Credit loss provision to net charge-offs | 128.3286% | 2,565 |
| Earnings coverage of net charge-offs (x) | -25.6374% | 3,422 |
| Efficiency ratio | 157.7463% | 32 |
| Assets per employee ($millions) | 6.0887% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8108% | 4,402 |
| Loan loss allowance to noncurrent loans | 112.5581% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 2,560 |
| Noncurrent loans to loans | 0.7203% | 1,897 |
| Net loans and leases to total assets | 49.1139% | 3,897 |
| Net loans and leases to deposits | 74.5714% | 2,426 |
| Net loans and leases to core deposits | 110.7902% | 484 |
| Total domestic deposits to total assets | 65.8615% | 4,848 |
| Equity capital to assets | 10.7293% | 2,495 |
| Core capital (leverage) ratio | 9.3862% | 3,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4546% | 2,066 |
| Memoranda: | ||
| Average total assets | $578,062,800 | 1,374 |
| Average earning assets | $559,653,000 | 1,321 |
| Average equity | $61,790,400 | 1,414 |
| Average total loans | $297,487,800 | 1,693 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7719% | 4,843 |
| Cost of funding earning assets | 1.4994% | 122 |
| Net interest margin | 1.2725% | 4,984 |
| Noninterest income to average assets | 1.2419% | 705 |
| Noninterest expense to average assets | 3.9884% | 381 |
| Loan and lease loss provision to assets | 0.0425% | 3,825 |
| Net operating income to assets | -1.5555% | 4,976 |
| Return on assets (ROA) | -1.5271% | 4,976 |
| Pretax return on assets | -1.5271% | 4,967 |
| Return on Equity (ROE) | -14.3003% | 4,990 |
| Retained earnings to average equity (ytd only) | -14.3003% | 4,966 |
| Net charge-offs to loans | 0.0458% | 1,966 |
| Credit loss provision to net charge-offs | 178.4314% | 2,187 |
| Earnings coverage of net charge-offs (x) | -63.6275% | 3,229 |
| Efficiency ratio | 161.1284% | 31 |
| Assets per employee ($millions) | 6.5045% | 1,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8271% | 4,292 |
| Loan loss allowance to noncurrent loans | 113.9601% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.3598% | 2,707 |
| Noncurrent loans to loans | 0.7258% | 1,988 |
| Net loans and leases to total assets | 49.1573% | 4,141 |
| Net loans and leases to deposits | 75.0286% | 2,849 |
| Net loans and leases to core deposits | 110.1369% | 699 |
| Total domestic deposits to total assets | 65.5181% | 4,860 |
| Equity capital to assets | 10.6699% | 2,651 |
| Core capital (leverage) ratio | 9.2546% | 3,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7544% | 1,910 |
| Memoranda: | ||
| Average total assets | $571,884,250 | 1,365 |
| Average earning assets | $554,264,500 | 1,317 |
| Average equity | $61,069,500 | 1,419 |
| Average total loans | $297,243,000 | 1,690 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8674% | 4,887 |
| Cost of funding earning assets | 1.6047% | 111 |
| Net interest margin | 1.2627% | 5,031 |
| Noninterest income to average assets | 1.1802% | 717 |
| Noninterest expense to average assets | 3.9089% | 455 |
| Loan and lease loss provision to assets | 0.0286% | 3,895 |
| Net operating income to assets | -1.5288% | 5,003 |
| Return on assets (ROA) | -1.4946% | 5,001 |
| Pretax return on assets | -1.4946% | 4,989 |
| Return on Equity (ROE) | -13.9922% | 5,010 |
| Retained earnings to average equity (ytd only) | -13.9922% | 4,972 |
| Net charge-offs to loans | 0.0154% | 2,435 |
| Credit loss provision to net charge-offs | 352.1739% | 1,509 |
| Earnings coverage of net charge-offs (x) | -185.0435% | 3,030 |
| Efficiency ratio | 162.2860% | 35 |
| Assets per employee ($millions) | 7.1864% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8188% | 4,293 |
| Loan loss allowance to noncurrent loans | 114.2171% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3667% | 2,827 |
| Noncurrent loans to loans | 0.7169% | 2,085 |
| Net loans and leases to total assets | 50.7357% | 4,120 |
| Net loans and leases to deposits | 77.1311% | 2,746 |
| Net loans and leases to core deposits | 113.7585% | 605 |
| Total domestic deposits to total assets | 65.7784% | 4,885 |
| Equity capital to assets | 10.9868% | 2,354 |
| Core capital (leverage) ratio | 9.3176% | 3,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1179% | 1,760 |
| Memoranda: | ||
| Average total assets | $567,377,000 | 1,355 |
| Average earning assets | $551,993,667 | 1,305 |
| Average equity | $60,605,333 | 1,417 |
| Average total loans | $299,600,667 | 1,665 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8421% | 4,992 |
| Cost of funding earning assets | 1.7879% | 90 |
| Net interest margin | 1.0541% | 5,104 |
| Noninterest income to average assets | 1.4344% | 435 |
| Noninterest expense to average assets | 4.1629% | 424 |
| Loan and lease loss provision to assets | 0.0529% | 3,112 |
| Net operating income to assets | -1.7532% | 5,038 |
| Return on assets (ROA) | -1.6897% | 5,018 |
| Pretax return on assets | -1.6897% | 5,003 |
| Return on Equity (ROE) | -16.0481% | 5,043 |
| Retained earnings to average equity (ytd only) | -16.0481% | 4,914 |
| Net charge-offs to loans | 0.0118% | 2,158 |
| Credit loss provision to net charge-offs | 833.3333% | 645 |
| Earnings coverage of net charge-offs (x) | -267.8889% | 2,577 |
| Efficiency ratio | 169.0435% | 39 |
| Assets per employee ($millions) | 7.9882% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8087% | 4,392 |
| Loan loss allowance to noncurrent loans | 120.0201% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 3,034 |
| Noncurrent loans to loans | 0.6738% | 2,307 |
| Net loans and leases to total assets | 51.6002% | 4,144 |
| Net loans and leases to deposits | 76.2979% | 3,042 |
| Net loans and leases to core deposits | 121.5027% | 425 |
| Total domestic deposits to total assets | 67.6299% | 4,936 |
| Equity capital to assets | 10.3973% | 3,421 |
| Core capital (leverage) ratio | 9.3465% | 4,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6498% | 1,700 |
| Memoranda: | ||
| Average total assets | $567,202,000 | 1,314 |
| Average earning assets | $553,261,000 | 1,260 |
| Average equity | $59,720,500 | 1,427 |
| Average total loans | $304,192,000 | 1,624 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3363% | 4,948 |
| Cost of funding earning assets | 1.9234% | 84 |
| Net interest margin | 1.4129% | 5,141 |
| Noninterest income to average assets | 1.3174% | 548 |
| Noninterest expense to average assets | 4.0349% | 513 |
| Loan and lease loss provision to assets | 0.0037% | 3,930 |
| Net operating income to assets | -1.3386% | 5,112 |
| Return on assets (ROA) | -1.3218% | 5,113 |
| Pretax return on assets | -1.3218% | 5,113 |
| Return on Equity (ROE) | -12.4537% | 5,135 |
| Retained earnings to average equity (ytd only) | -12.4537% | 5,092 |
| Net charge-offs to loans | 0.0697% | 2,097 |
| Credit loss provision to net charge-offs | 8.9286% | 3,364 |
| Earnings coverage of net charge-offs (x) | -32.5580% | 3,708 |
| Efficiency ratio | 149.4441% | 45 |
| Assets per employee ($millions) | 8.7268% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7404% | 4,484 |
| Loan loss allowance to noncurrent loans | 146.3722% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.2794% | 3,309 |
| Noncurrent loans to loans | 0.5058% | 2,675 |
| Net loans and leases to total assets | 54.8305% | 4,019 |
| Net loans and leases to deposits | 79.8242% | 2,797 |
| Net loans and leases to core deposits | 136.8150% | 203 |
| Total domestic deposits to total assets | 68.6890% | 4,978 |
| Equity capital to assets | 10.6606% | 3,295 |
| Core capital (leverage) ratio | 9.9683% | 3,555 |
| Tier 1 risk-based capital ratio | 15.3460% | 2,637 |
| Total risk-based capital ratio | 15.9801% | 2,817 |
| Memoranda: | ||
| Average total assets | $546,307,400 | 1,315 |
| Average earning assets | $534,566,400 | 1,263 |
| Average equity | $57,982,800 | 1,401 |
| Average total loans | $321,213,600 | 1,523 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3823% | 5,030 |
| Cost of funding earning assets | 1.9152% | 88 |
| Net interest margin | 1.4671% | 5,222 |
| Noninterest income to average assets | 1.5406% | 385 |
| Noninterest expense to average assets | 3.9799% | 542 |
| Loan and lease loss provision to assets | -0.0318% | 5,104 |
| Net operating income to assets | -0.9716% | 5,174 |
| Return on assets (ROA) | -0.9573% | 5,178 |
| Pretax return on assets | -0.9573% | 5,171 |
| Return on Equity (ROE) | -9.0304% | 5,194 |
| Retained earnings to average equity (ytd only) | -9.0304% | 5,136 |
| Net charge-offs to loans | 0.0908% | 1,562 |
| Credit loss provision to net charge-offs | -58.6364% | 4,039 |
| Earnings coverage of net charge-offs (x) | -18.5088% | 3,437 |
| Efficiency ratio | 133.7114% | 59 |
| Assets per employee ($millions) | 8.6124% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7139% | 4,623 |
| Loan loss allowance to noncurrent loans | 140.5947% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.2763% | 3,445 |
| Noncurrent loans to loans | 0.5078% | 2,774 |
| Net loans and leases to total assets | 54.0333% | 4,182 |
| Net loans and leases to deposits | 76.8222% | 3,217 |
| Net loans and leases to core deposits | 133.1275% | 261 |
| Total domestic deposits to total assets | 70.3354% | 4,981 |
| Equity capital to assets | 11.0756% | 3,036 |
| Core capital (leverage) ratio | 10.2392% | 3,374 |
| Tier 1 risk-based capital ratio | 16.4491% | 2,287 |
| Total risk-based capital ratio | 17.0715% | 2,444 |
| Memoranda: | ||
| Average total assets | $541,073,000 | 1,335 |
| Average earning assets | $529,564,250 | 1,276 |
| Average equity | $57,360,500 | 1,414 |
| Average total loans | $323,181,250 | 1,527 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3824% | 5,092 |
| Cost of funding earning assets | 1.8610% | 97 |
| Net interest margin | 1.5214% | 5,273 |
| Noninterest income to average assets | 1.5534% | 381 |
| Noninterest expense to average assets | 4.0417% | 505 |
| Loan and lease loss provision to assets | 0.0243% | 3,320 |
| Net operating income to assets | -1.0231% | 5,226 |
| Return on assets (ROA) | -1.0082% | 5,230 |
| Pretax return on assets | -1.0082% | 5,224 |
| Return on Equity (ROE) | -9.6608% | 5,239 |
| Retained earnings to average equity (ytd only) | -9.6608% | 5,172 |
| Net charge-offs to loans | 0.0832% | 1,527 |
| Credit loss provision to net charge-offs | 47.4453% | 2,487 |
| Earnings coverage of net charge-offs (x) | -19.4964% | 3,158 |
| Efficiency ratio | 132.8254% | 57 |
| Assets per employee ($millions) | 7.6108% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7641% | 4,566 |
| Loan loss allowance to noncurrent loans | 176.2761% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2470% | 3,585 |
| Noncurrent loans to loans | 0.4335% | 2,979 |
| Net loans and leases to total assets | 56.5394% | 4,044 |
| Net loans and leases to deposits | 79.2437% | 3,030 |
| Net loans and leases to core deposits | 139.4918% | 199 |
| Total domestic deposits to total assets | 71.3488% | 5,004 |
| Equity capital to assets | 10.3871% | 3,619 |
| Core capital (leverage) ratio | 9.9589% | 3,629 |
| Tier 1 risk-based capital ratio | 14.9712% | 2,860 |
| Total risk-based capital ratio | 15.6306% | 3,043 |
| Memoranda: | ||
| Average total assets | $534,827,670 | 1,348 |
| Average earning assets | $523,585,670 | 1,287 |
| Average equity | $55,813,330 | 1,437 |
| Average total loans | $329,355,670 | 1,516 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4647% | 5,069 |
| Cost of funding earning assets | 1.7414% | 137 |
| Net interest margin | 1.7233% | 5,337 |
| Noninterest income to average assets | 1.4444% | 412 |
| Noninterest expense to average assets | 4.1725% | 421 |
| Loan and lease loss provision to assets | 0.0200% | 3,181 |
| Net operating income to assets | -1.0610% | 5,287 |
| Return on assets (ROA) | -1.0418% | 5,285 |
| Pretax return on assets | -1.0418% | 5,279 |
| Return on Equity (ROE) | -9.9578% | 5,295 |
| Retained earnings to average equity (ytd only) | -9.9578% | 5,106 |
| Net charge-offs to loans | 0.1163% | 1,042 |
| Credit loss provision to net charge-offs | 26.8041% | 2,104 |
| Earnings coverage of net charge-offs (x) | -13.9691% | 2,722 |
| Efficiency ratio | 133.2434% | 52 |
| Assets per employee ($millions) | 7.4375% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7387% | 4,692 |
| Loan loss allowance to noncurrent loans | 235.6388% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 3,843 |
| Noncurrent loans to loans | 0.3135% | 3,445 |
| Net loans and leases to total assets | 61.5557% | 3,543 |
| Net loans and leases to deposits | 83.2466% | 2,474 |
| Net loans and leases to core deposits | 150.2432% | 122 |
| Total domestic deposits to total assets | 73.9438% | 4,939 |
| Equity capital to assets | 10.2880% | 3,534 |
| Core capital (leverage) ratio | 10.7656% | 2,792 |
| Tier 1 risk-based capital ratio | 15.6218% | 2,601 |
| Total risk-based capital ratio | 16.3060% | 2,785 |
| Memoranda: | ||
| Average total assets | $520,642,500 | 1,385 |
| Average earning assets | $509,719,000 | 1,319 |
| Average equity | $54,470,000 | 1,460 |
| Average total loans | $333,593,000 | 1,504 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2809% | 5,096 |
| Cost of funding earning assets | 1.4270% | 124 |
| Net interest margin | 1.8539% | 5,348 |
| Noninterest income to average assets | 0.9939% | 955 |
| Noninterest expense to average assets | 3.3626% | 1,205 |
| Loan and lease loss provision to assets | 0.0892% | 2,360 |
| Net operating income to assets | -0.6395% | 5,328 |
| Return on assets (ROA) | -1.1774% | 5,339 |
| Pretax return on assets | -1.1774% | 5,342 |
| Return on Equity (ROE) | -11.0863% | 5,355 |
| Retained earnings to average equity (ytd only) | -11.0863% | 5,329 |
| Net charge-offs to loans | 0.0287% | 2,831 |
| Credit loss provision to net charge-offs | 468.0412% | 733 |
| Earnings coverage of net charge-offs (x) | -28.8866% | 3,768 |
| Efficiency ratio | 119.5670% | 60 |
| Assets per employee ($millions) | 6.0938% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7532% | 4,666 |
| Loan loss allowance to noncurrent loans | 361.0873% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.1382% | 4,128 |
| Noncurrent loans to loans | 0.2086% | 3,833 |
| Net loans and leases to total assets | 65.7548% | 3,166 |
| Net loans and leases to deposits | 89.9682% | 1,804 |
| Net loans and leases to core deposits | 153.8654% | 117 |
| Total domestic deposits to total assets | 73.0867% | 5,000 |
| Equity capital to assets | 10.6464% | 3,033 |
| Core capital (leverage) ratio | 11.3410% | 2,233 |
| Tier 1 risk-based capital ratio | 16.7853% | 2,144 |
| Total risk-based capital ratio | 17.5238% | 2,263 |
| Memoranda: | ||
| Average total assets | $509,183,200 | 1,388 |
| Average earning assets | $499,430,800 | 1,314 |
| Average equity | $54,075,800 | 1,425 |
| Average total loans | $338,411,400 | 1,447 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2466% | 5,169 |
| Cost of funding earning assets | 1.3574% | 125 |
| Net interest margin | 1.8893% | 5,417 |
| Noninterest income to average assets | 0.8033% | 1,463 |
| Noninterest expense to average assets | 3.1785% | 1,579 |
| Loan and lease loss provision to assets | 0.0622% | 2,729 |
| Net operating income to assets | -0.5832% | 5,397 |
| Return on assets (ROA) | -0.5832% | 5,392 |
| Pretax return on assets | -0.5832% | 5,392 |
| Return on Equity (ROE) | -5.4950% | 5,396 |
| Retained earnings to average equity (ytd only) | -5.4950% | 5,327 |
| Net charge-offs to loans | 0.0362% | 2,358 |
| Credit loss provision to net charge-offs | 258.6957% | 1,143 |
| Earnings coverage of net charge-offs (x) | -21.6637% | 3,475 |
| Efficiency ratio | 119.6046% | 59 |
| Assets per employee ($millions) | 6.4747% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6824% | 4,906 |
| Loan loss allowance to noncurrent loans | 371.8650% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 4,349 |
| Noncurrent loans to loans | 0.1835% | 4,062 |
| Net loans and leases to total assets | 66.6554% | 3,107 |
| Net loans and leases to deposits | 92.2566% | 1,588 |
| Net loans and leases to core deposits | 157.3257% | 99 |
| Total domestic deposits to total assets | 72.2500% | 5,110 |
| Equity capital to assets | 10.4651% | 3,176 |
| Core capital (leverage) ratio | 12.0813% | 1,738 |
| Tier 1 risk-based capital ratio | 19.4724% | 1,442 |
| Total risk-based capital ratio | 20.2093% | 1,515 |
| Memoranda: | ||
| Average total assets | $510,032,000 | 1,385 |
| Average earning assets | $500,570,250 | 1,309 |
| Average equity | $54,132,750 | 1,433 |
| Average total loans | $339,238,250 | 1,444 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2000% | 5,229 |
| Cost of funding earning assets | 1.2967% | 116 |
| Net interest margin | 1.9033% | 5,480 |
| Noninterest income to average assets | 0.8274% | 1,398 |
| Noninterest expense to average assets | 3.0971% | 1,792 |
| Loan and lease loss provision to assets | 0.0594% | 2,720 |
| Net operating income to assets | -0.4600% | 5,441 |
| Return on assets (ROA) | -0.4600% | 5,435 |
| Pretax return on assets | -0.4600% | 5,431 |
| Return on Equity (ROE) | -4.3145% | 5,430 |
| Retained earnings to average equity (ytd only) | -4.3145% | 5,259 |
| Net charge-offs to loans | 0.0477% | 1,931 |
| Credit loss provision to net charge-offs | 187.6543% | 1,358 |
| Earnings coverage of net charge-offs (x) | -12.6543% | 3,187 |
| Efficiency ratio | 114.8572% | 77 |
| Assets per employee ($millions) | 5.9574% | 1,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6637% | 5,004 |
| Loan loss allowance to noncurrent loans | 361.5509% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 4,388 |
| Noncurrent loans to loans | 0.1836% | 4,080 |
| Net loans and leases to total assets | 66.1514% | 3,127 |
| Net loans and leases to deposits | 91.6883% | 1,624 |
| Net loans and leases to core deposits | 151.8596% | 109 |
| Total domestic deposits to total assets | 72.1482% | 5,174 |
| Equity capital to assets | 10.7118% | 2,918 |
| Core capital (leverage) ratio | 11.9785% | 1,725 |
| Tier 1 risk-based capital ratio | 19.6813% | 1,383 |
| Total risk-based capital ratio | 20.4013% | 1,474 |
| Memoranda: | ||
| Average total assets | $511,701,670 | 1,383 |
| Average earning assets | $502,493,330 | 1,311 |
| Average equity | $54,560,000 | 1,432 |
| Average total loans | $339,338,330 | 1,445 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2270% | 5,210 |
| Cost of funding earning assets | 1.2224% | 125 |
| Net interest margin | 2.0046% | 5,540 |
| Noninterest income to average assets | 0.9176% | 1,103 |
| Noninterest expense to average assets | 2.7996% | 2,691 |
| Loan and lease loss provision to assets | 0.0848% | 2,110 |
| Net operating income to assets | 0.0023% | 5,386 |
| Return on assets (ROA) | 0.0023% | 5,383 |
| Pretax return on assets | 0.0023% | 5,387 |
| Return on Equity (ROE) | 0.0219% | 5,383 |
| Retained earnings to average equity (ytd only) | 0.0219% | 4,802 |
| Net charge-offs to loans | 0.0200% | 2,099 |
| Credit loss provision to net charge-offs | 641.1765% | 498 |
| Earnings coverage of net charge-offs (x) | 6.5882% | 2,149 |
| Efficiency ratio | 96.9828% | 227 |
| Assets per employee ($millions) | 6.3783% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6691% | 5,080 |
| Loan loss allowance to noncurrent loans | 318.1690% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.1357% | 4,413 |
| Noncurrent loans to loans | 0.2103% | 4,031 |
| Net loans and leases to total assets | 64.1206% | 3,288 |
| Net loans and leases to deposits | 90.6649% | 1,606 |
| Net loans and leases to core deposits | 144.4184% | 173 |
| Total domestic deposits to total assets | 70.7226% | 5,341 |
| Equity capital to assets | 10.1579% | 3,438 |
| Core capital (leverage) ratio | 11.7022% | 1,847 |
| Tier 1 risk-based capital ratio | 19.2587% | 1,487 |
| Total risk-based capital ratio | 19.9915% | 1,580 |
| Memoranda: | ||
| Average total assets | $514,364,500 | 1,384 |
| Average earning assets | $505,242,500 | 1,316 |
| Average equity | $54,719,000 | 1,433 |
| Average total loans | $340,401,000 | 1,447 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0196% | 5,341 |
| Cost of funding earning assets | 1.0508% | 163 |
| Net interest margin | 1.9687% | 5,576 |
| Noninterest income to average assets | 1.0453% | 928 |
| Noninterest expense to average assets | 3.5758% | 926 |
| Loan and lease loss provision to assets | 0.0849% | 2,506 |
| Net operating income to assets | -0.6819% | 5,560 |
| Return on assets (ROA) | -0.6770% | 5,558 |
| Pretax return on assets | -0.6770% | 5,571 |
| Return on Equity (ROE) | -5.3089% | 5,541 |
| Retained earnings to average equity (ytd only) | -5.3089% | 5,442 |
| Net charge-offs to loans | 0.0398% | 3,000 |
| Credit loss provision to net charge-offs | 350.0000% | 837 |
| Earnings coverage of net charge-offs (x) | -24.6091% | 4,109 |
| Efficiency ratio | 120.0400% | 65 |
| Assets per employee ($millions) | 5.5572% | 1,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6314% | 5,187 |
| Loan loss allowance to noncurrent loans | 169.2969% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.2531% | 3,870 |
| Noncurrent loans to loans | 0.3730% | 3,425 |
| Net loans and leases to total assets | 67.4326% | 2,898 |
| Net loans and leases to deposits | 96.0998% | 1,081 |
| Net loans and leases to core deposits | 145.1510% | 161 |
| Total domestic deposits to total assets | 70.1693% | 5,404 |
| Equity capital to assets | 11.1349% | 2,502 |
| Core capital (leverage) ratio | 12.1313% | 1,539 |
| Tier 1 risk-based capital ratio | 18.7250% | 1,583 |
| Total risk-based capital ratio | 19.4084% | 1,713 |
| Memoranda: | ||
| Average total assets | $453,459,200 | 1,534 |
| Average earning assets | $445,363,200 | 1,448 |
| Average equity | $57,827,400 | 1,360 |
| Average total loans | $276,087,000 | 1,681 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9140% | 5,474 |
| Cost of funding earning assets | 1.0015% | 195 |
| Net interest margin | 1.9125% | 5,653 |
| Noninterest income to average assets | 1.1595% | 758 |
| Noninterest expense to average assets | 3.6769% | 788 |
| Loan and lease loss provision to assets | 0.1332% | 1,630 |
| Net operating income to assets | -0.7723% | 5,658 |
| Return on assets (ROA) | -0.7657% | 5,660 |
| Pretax return on assets | -0.7657% | 5,652 |
| Return on Equity (ROE) | -5.7930% | 5,639 |
| Retained earnings to average equity (ytd only) | -5.7930% | 5,562 |
| Net charge-offs to loans | 0.0596% | 2,266 |
| Credit loss provision to net charge-offs | 379.3103% | 807 |
| Earnings coverage of net charge-offs (x) | -18.1986% | 3,776 |
| Efficiency ratio | 121.0385% | 61 |
| Assets per employee ($millions) | 6.7320% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6913% | 5,152 |
| Loan loss allowance to noncurrent loans | 355.2335% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 4,599 |
| Noncurrent loans to loans | 0.1946% | 4,303 |
| Net loans and leases to total assets | 65.3842% | 3,195 |
| Net loans and leases to deposits | 91.4917% | 1,626 |
| Net loans and leases to core deposits | 128.2423% | 369 |
| Total domestic deposits to total assets | 71.4646% | 5,415 |
| Equity capital to assets | 11.8699% | 2,057 |
| Core capital (leverage) ratio | 13.1683% | 1,141 |
| Tier 1 risk-based capital ratio | 20.4489% | 1,287 |
| Total risk-based capital ratio | 21.2017% | 1,332 |
| Memoranda: | ||
| Average total assets | $440,397,000 | 1,586 |
| Average earning assets | $432,520,750 | 1,505 |
| Average equity | $58,206,750 | 1,363 |
| Average total loans | $259,314,000 | 1,773 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9442% | 5,480 |
| Cost of funding earning assets | 0.9809% | 191 |
| Net interest margin | 1.9633% | 5,699 |
| Noninterest income to average assets | 1.2809% | 632 |
| Noninterest expense to average assets | 3.3494% | 1,272 |
| Loan and lease loss provision to assets | 0.0860% | 2,268 |
| Net operating income to assets | -0.2255% | 5,628 |
| Return on assets (ROA) | -0.2255% | 5,627 |
| Pretax return on assets | -0.2255% | 5,614 |
| Return on Equity (ROE) | -1.6430% | 5,614 |
| Retained earnings to average equity (ytd only) | -1.6430% | 5,314 |
| Net charge-offs to loans | 0.0209% | 2,810 |
| Credit loss provision to net charge-offs | 732.0000% | 483 |
| Earnings coverage of net charge-offs (x) | -11.8800% | 3,480 |
| Efficiency ratio | 104.3478% | 147 |
| Assets per employee ($millions) | 5.7429% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7844% | 4,986 |
| Loan loss allowance to noncurrent loans | 392.7203% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 4,730 |
| Noncurrent loans to loans | 0.1997% | 4,317 |
| Net loans and leases to total assets | 58.6404% | 3,961 |
| Net loans and leases to deposits | 77.7251% | 3,147 |
| Net loans and leases to core deposits | 102.5111% | 1,466 |
| Total domestic deposits to total assets | 75.4460% | 5,149 |
| Equity capital to assets | 13.3243% | 1,216 |
| Core capital (leverage) ratio | 14.2523% | 792 |
| Tier 1 risk-based capital ratio | 25.0976% | 741 |
| Total risk-based capital ratio | 25.9278% | 763 |
| Memoranda: | ||
| Average total assets | $425,628,000 | 1,631 |
| Average earning assets | $418,174,000 | 1,554 |
| Average equity | $58,431,000 | 1,351 |
| Average total loans | $239,376,670 | 1,891 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1151% | 5,352 |
| Cost of funding earning assets | 0.9314% | 236 |
| Net interest margin | 2.1837% | 5,709 |
| Noninterest income to average assets | 0.8597% | 1,367 |
| Noninterest expense to average assets | 3.1849% | 1,652 |
| Loan and lease loss provision to assets | -0.0192% | 5,673 |
| Net operating income to assets | -0.1601% | 5,668 |
| Return on assets (ROA) | -0.1601% | 5,669 |
| Pretax return on assets | -0.1601% | 5,660 |
| Return on Equity (ROE) | -1.1480% | 5,661 |
| Retained earnings to average equity (ytd only) | -1.1480% | 5,086 |
| Net charge-offs to loans | 0.0245% | 2,271 |
| Credit loss provision to net charge-offs | -142.8571% | 3,999 |
| Earnings coverage of net charge-offs (x) | -13.3571% | 2,919 |
| Efficiency ratio | 105.9630% | 162 |
| Assets per employee ($millions) | 6.0697% | 1,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8031% | 5,054 |
| Loan loss allowance to noncurrent loans | 725.7813% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 5,047 |
| Noncurrent loans to loans | 0.1107% | 4,750 |
| Net loans and leases to total assets | 53.2545% | 4,397 |
| Net loans and leases to deposits | 70.8577% | 3,709 |
| Net loans and leases to core deposits | 83.4853% | 2,948 |
| Total domestic deposits to total assets | 75.1570% | 5,321 |
| Equity capital to assets | 13.4858% | 1,071 |
| Core capital (leverage) ratio | 15.1476% | 579 |
| Tier 1 risk-based capital ratio | 27.5580% | 592 |
| Total risk-based capital ratio | 28.3801% | 605 |
| Memoranda: | ||
| Average total assets | $417,342,000 | 1,668 |
| Average earning assets | $410,137,500 | 1,591 |
| Average equity | $58,186,500 | 1,350 |
| Average total loans | $228,386,000 | 1,963 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8585% | 5,610 |
| Cost of funding earning assets | 0.9229% | 261 |
| Net interest margin | 1.9356% | 5,816 |
| Noninterest income to average assets | 1.1326% | 891 |
| Noninterest expense to average assets | 3.4697% | 1,220 |
| Loan and lease loss provision to assets | 0.0388% | 3,599 |
| Net operating income to assets | -0.4756% | 5,784 |
| Return on assets (ROA) | -0.1957% | 5,728 |
| Pretax return on assets | -0.1957% | 5,718 |
| Return on Equity (ROE) | -1.2059% | 5,715 |
| Retained earnings to average equity (ytd only) | -1.2059% | 5,471 |
| Net charge-offs to loans | 0.0800% | 2,543 |
| Credit loss provision to net charge-offs | 88.3117% | 2,834 |
| Earnings coverage of net charge-offs (x) | -9.9286% | 4,240 |
| Efficiency ratio | 114.4001% | 106 |
| Assets per employee ($millions) | 6.8429% | 987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8349% | 5,001 |
| Loan loss allowance to noncurrent loans | 134.8138% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 3,899 |
| Noncurrent loans to loans | 0.6193% | 2,993 |
| Net loans and leases to total assets | 55.3660% | 4,320 |
| Net loans and leases to deposits | 70.6411% | 3,843 |
| Net loans and leases to core deposits | 83.8684% | 3,036 |
| Total domestic deposits to total assets | 78.3766% | 4,921 |
| Equity capital to assets | 14.4293% | 752 |
| Core capital (leverage) ratio | 15.6675% | 506 |
| Tier 1 risk-based capital ratio | 29.5591% | 496 |
| Total risk-based capital ratio | 30.4499% | 499 |
| Memoranda: | ||
| Average total assets | $350,092,000 | 1,902 |
| Average earning assets | $343,711,200 | 1,809 |
| Average equity | $56,804,600 | 1,353 |
| Average total loans | $192,563,000 | 2,179 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8393% | 5,702 |
| Cost of funding earning assets | 0.9004% | 296 |
| Net interest margin | 1.9389% | 5,879 |
| Noninterest income to average assets | 0.7821% | 1,836 |
| Noninterest expense to average assets | 3.6493% | 921 |
| Loan and lease loss provision to assets | 0.0238% | 3,772 |
| Net operating income to assets | -0.9877% | 5,904 |
| Return on assets (ROA) | -0.5996% | 5,873 |
| Pretax return on assets | -0.5996% | 5,866 |
| Return on Equity (ROE) | -3.5765% | 5,843 |
| Retained earnings to average equity (ytd only) | -3.5765% | 5,679 |
| Net charge-offs to loans | 0.0926% | 2,025 |
| Credit loss provision to net charge-offs | 46.8750% | 3,075 |
| Earnings coverage of net charge-offs (x) | -19.0159% | 3,931 |
| Efficiency ratio | 135.8944% | 54 |
| Assets per employee ($millions) | 7.2949% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8164% | 5,146 |
| Loan loss allowance to noncurrent loans | 137.8868% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.3302% | 4,077 |
| Noncurrent loans to loans | 0.5921% | 3,231 |
| Net loans and leases to total assets | 55.3203% | 4,378 |
| Net loans and leases to deposits | 73.4155% | 3,652 |
| Net loans and leases to core deposits | 88.6349% | 2,697 |
| Total domestic deposits to total assets | 75.3523% | 5,305 |
| Equity capital to assets | 15.8936% | 565 |
| Core capital (leverage) ratio | 15.8369% | 505 |
| Tier 1 risk-based capital ratio | 29.8578% | 485 |
| Total risk-based capital ratio | 30.7430% | 493 |
| Memoranda: | ||
| Average total assets | $336,681,750 | 1,972 |
| Average earning assets | $330,496,750 | 1,872 |
| Average equity | $56,441,750 | 1,373 |
| Average total loans | $184,350,500 | 2,272 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8368% | 5,783 |
| Cost of funding earning assets | 0.8773% | 322 |
| Net interest margin | 1.9596% | 5,958 |
| Noninterest income to average assets | 1.3174% | 659 |
| Noninterest expense to average assets | 3.7427% | 827 |
| Loan and lease loss provision to assets | 0.2373% | 838 |
| Net operating income to assets | -0.7463% | 5,954 |
| Return on assets (ROA) | -0.2710% | 5,884 |
| Pretax return on assets | -0.2710% | 5,874 |
| Return on Equity (ROE) | -1.5815% | 5,859 |
| Retained earnings to average equity (ytd only) | -1.5815% | 5,501 |
| Net charge-offs to loans | 0.0724% | 2,147 |
| Credit loss provision to net charge-offs | 603.2258% | 560 |
| Earnings coverage of net charge-offs (x) | -12.9355% | 3,655 |
| Efficiency ratio | 115.7378% | 110 |
| Assets per employee ($millions) | 6.8579% | 925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 4,637 |
| Loan loss allowance to noncurrent loans | 147.7733% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.3859% | 3,948 |
| Noncurrent loans to loans | 0.6605% | 3,091 |
| Net loans and leases to total assets | 57.8513% | 4,132 |
| Net loans and leases to deposits | 80.8179% | 2,841 |
| Net loans and leases to core deposits | 97.9107% | 1,816 |
| Total domestic deposits to total assets | 71.5822% | 5,692 |
| Equity capital to assets | 16.9233% | 442 |
| Core capital (leverage) ratio | 18.0379% | 294 |
| Tier 1 risk-based capital ratio | 29.9248% | 500 |
| Total risk-based capital ratio | 30.9699% | 500 |
| Memoranda: | ||
| Average total assets | $315,169,670 | 2,098 |
| Average earning assets | $308,231,330 | 2,002 |
| Average equity | $53,999,670 | 1,433 |
| Average total loans | $171,206,670 | 2,400 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8853% | 5,801 |
| Cost of funding earning assets | 0.8728% | 333 |
| Net interest margin | 2.0126% | 6,014 |
| Noninterest income to average assets | 1.5189% | 494 |
| Noninterest expense to average assets | 3.8628% | 715 |
| Loan and lease loss provision to assets | -0.4745% | 6,080 |
| Net operating income to assets | 0.0855% | 5,703 |
| Return on assets (ROA) | 0.1126% | 5,711 |
| Pretax return on assets | 0.1126% | 5,727 |
| Return on Equity (ROE) | 0.6515% | 5,752 |
| Retained earnings to average equity (ytd only) | 0.6515% | 4,953 |
| Net charge-offs to loans | 0.0470% | 2,090 |
| Credit loss provision to net charge-offs | -1,958.8235% | 4,880 |
| Earnings coverage of net charge-offs (x) | -16.0588% | 3,073 |
| Efficiency ratio | 111.1977% | 146 |
| Assets per employee ($millions) | 6.1431% | 1,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 4,758 |
| Loan loss allowance to noncurrent loans | 1,422.0183% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 5,504 |
| Noncurrent loans to loans | 0.0683% | 5,204 |
| Net loans and leases to total assets | 49.4913% | 4,844 |
| Net loans and leases to deposits | 75.4580% | 3,284 |
| Net loans and leases to core deposits | 94.4781% | 1,941 |
| Total domestic deposits to total assets | 65.5879% | 5,975 |
| Equity capital to assets | 17.1253% | 409 |
| Core capital (leverage) ratio | 19.3403% | 220 |
| Tier 1 risk-based capital ratio | 36.0814% | 305 |
| Total risk-based capital ratio | 37.1323% | 307 |
| Memoranda: | ||
| Average total assets | $280,732,000 | 2,309 |
| Average earning assets | $272,688,000 | 2,220 |
| Average equity | $48,503,000 | 1,562 |
| Average total loans | $144,627,500 | 2,722 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6387% | 5,950 |
| Cost of funding earning assets | 0.8095% | 467 |
| Net interest margin | 1.8292% | 6,076 |
| Noninterest income to average assets | 2.4307% | 272 |
| Noninterest expense to average assets | 5.2357% | 238 |
| Loan and lease loss provision to assets | 0.8578% | 104 |
| Net operating income to assets | -1.8758% | 6,134 |
| Return on assets (ROA) | -1.8715% | 6,134 |
| Pretax return on assets | -1.8715% | 6,134 |
| Return on Equity (ROE) | -7.1225% | 6,073 |
| Retained earnings to average equity (ytd only) | -7.1225% | 5,985 |
| Net charge-offs to loans | 0.0140% | 4,014 |
| Credit loss provision to net charge-offs | 15,355.5556% | 15 |
| Earnings coverage of net charge-offs (x) | -182.2222% | 4,458 |
| Efficiency ratio | 124.1354% | 85 |
| Assets per employee ($millions) | 4.8405% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4659% | 2,152 |
| Loan loss allowance to noncurrent loans | 31,666.6667% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 5,720 |
| Noncurrent loans to loans | 0.0046% | 5,537 |
| Net loans and leases to total assets | 52.7675% | 4,626 |
| Net loans and leases to deposits | 75.1470% | 3,362 |
| Net loans and leases to core deposits | 99.9147% | 1,502 |
| Total domestic deposits to total assets | 70.2191% | 5,886 |
| Equity capital to assets | 17.4780% | 362 |
| Core capital (leverage) ratio | 20.5694% | 175 |
| Tier 1 risk-based capital ratio | 35.0059% | 335 |
| Total risk-based capital ratio | 36.2597% | 332 |
| Memoranda: | ||
| Average total assets | $161,104,200 | 3,413 |
| Average earning assets | $157,388,000 | 3,292 |
| Average equity | $42,330,400 | 1,721 |
| Average total loans | $64,252,000 | 4,252 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6665% | 6,032 |
| Cost of funding earning assets | 0.7847% | 539 |
| Net interest margin | 1.8818% | 6,156 |
| Noninterest income to average assets | 0.6919% | 2,269 |
| Noninterest expense to average assets | 5.4601% | 216 |
| Loan and lease loss provision to assets | 0.2707% | 596 |
| Net operating income to assets | -3.1980% | 6,252 |
| Return on assets (ROA) | -3.1961% | 6,254 |
| Pretax return on assets | -3.1961% | 6,251 |
| Return on Equity (ROE) | -10.6348% | 6,186 |
| Retained earnings to average equity (ytd only) | -10.6348% | 6,134 |
| Net charge-offs to loans | 0.0083% | 3,876 |
| Credit loss provision to net charge-offs | 9,533.3333% | 43 |
| Earnings coverage of net charge-offs (x) | -1,030.9750% | 4,181 |
| Efficiency ratio | 215.5830% | 14 |
| Assets per employee ($millions) | 4.6320% | 2,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 2,484 |
| 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 | 0.0000% | 5,684 |
| Net loans and leases to total assets | 29.5414% | 5,988 |
| Net loans and leases to deposits | 38.6989% | 5,907 |
| Net loans and leases to core deposits | 48.3797% | 5,639 |
| Total domestic deposits to total assets | 76.3365% | 5,439 |
| Equity capital to assets | 22.6709% | 136 |
| Core capital (leverage) ratio | 24.2300% | 102 |
| Tier 1 risk-based capital ratio | 51.6164% | 125 |
| Total risk-based capital ratio | 52.5939% | 125 |
| Memoranda: | ||
| Average total assets | $140,874,250 | 3,739 |
| Average earning assets | $137,806,250 | 3,603 |
| Average equity | $42,337,750 | 1,739 |
| Average total loans | $47,912,500 | 4,787 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5870% | 6,120 |
| Cost of funding earning assets | 0.7039% | 828 |
| Net interest margin | 1.8831% | 6,230 |
| Noninterest income to average assets | 0.8062% | 1,753 |
| Noninterest expense to average assets | 6.0966% | 178 |
| Loan and lease loss provision to assets | 0.3951% | 303 |
| Net operating income to assets | -3.8465% | 6,332 |
| Return on assets (ROA) | -3.8465% | 6,333 |
| Pretax return on assets | -3.8465% | 6,332 |
| Return on Equity (ROE) | -11.3780% | 6,264 |
| Retained earnings to average equity (ytd only) | -11.3780% | 6,198 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 230.4797% | 13 |
| Assets per employee ($millions) | 4.0062% | 3,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5159% | 2,225 |
| 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 | 0.0000% | 5,787 |
| Net loans and leases to total assets | 30.5748% | 6,024 |
| Net loans and leases to deposits | 41.6454% | 5,853 |
| Net loans and leases to core deposits | 53.8147% | 5,430 |
| Total domestic deposits to total assets | 73.4171% | 5,837 |
| Equity capital to assets | 26.0137% | 80 |
| Core capital (leverage) ratio | 29.2778% | 67 |
| Tier 1 risk-based capital ratio | 61.8496% | 96 |
| Total risk-based capital ratio | 62.9422% | 95 |
| Memoranda: | ||
| Average total assets | $124,528,000 | 4,060 |
| Average earning assets | $121,606,000 | 3,916 |
| Average equity | $42,098,670 | 1,759 |
| Average total loans | $44,912,330 | 4,918 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3253% | 6,279 |
| Cost of funding earning assets | 0.5508% | 1,835 |
| Net interest margin | 1.7745% | 6,317 |
| Noninterest income to average assets | 0.8981% | 1,389 |
| Noninterest expense to average assets | 6.6804% | 161 |
| Loan and lease loss provision to assets | 0.3707% | 333 |
| Net operating income to assets | -4.4294% | 6,401 |
| Return on assets (ROA) | -4.4294% | 6,402 |
| Pretax return on assets | -4.4294% | 6,402 |
| Return on Equity (ROE) | -11.0953% | 6,324 |
| Retained earnings to average equity (ytd only) | -11.0953% | 6,156 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 254.8105% | 11 |
| Assets per employee ($millions) | 3.4416% | 5,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 3,069 |
| 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 | 0.0000% | 5,830 |
| Net loans and leases to total assets | 34.4184% | 5,910 |
| Net loans and leases to deposits | 53.5545% | 5,226 |
| Net loans and leases to core deposits | 73.5731% | 3,820 |
| Total domestic deposits to total assets | 64.2680% | 6,275 |
| Equity capital to assets | 35.0163% | 59 |
| Core capital (leverage) ratio | 44.4932% | 43 |
| Tier 1 risk-based capital ratio | 80.2082% | 67 |
| Total risk-based capital ratio | 81.3206% | 68 |
| Memoranda: | ||
| Average total assets | $104,664,000 | 4,485 |
| Average earning assets | $101,665,000 | 4,352 |
| Average equity | $41,783,500 | 1,770 |
| Average total loans | $41,871,500 | 5,072 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6054% | 6,299 |
| Cost of funding earning assets | 0.3804% | 3,904 |
| Net interest margin | 2.2250% | 6,302 |
| Noninterest income to average assets | 1.2005% | 833 |
| Noninterest expense to average assets | 12.4248% | 59 |
| Loan and lease loss provision to assets | 0.3710% | 502 |
| Net operating income to assets | -9.4499% | 6,509 |
| Return on assets (ROA) | -9.4263% | 6,509 |
| Pretax return on assets | -9.4263% | 6,508 |
| Return on Equity (ROE) | -16.7371% | 6,422 |
| Retained earnings to average equity (ytd only) | -16.7371% | 6,397 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 371.3455% | 6 |
| Assets per employee ($millions) | 1.8702% | 6,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 3,027 |
| 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 | 0.0000% | 5,950 |
| Net loans and leases to total assets | 47.8427% | 5,169 |
| Net loans and leases to deposits | 94.1949% | 1,062 |
| Net loans and leases to core deposits | 99.2526% | 1,440 |
| Total domestic deposits to total assets | 50.7912% | 6,447 |
| Equity capital to assets | 48.0885% | 43 |
| Core capital (leverage) ratio | 47.5512% | 42 |
| Tier 1 risk-based capital ratio | 104.5076% | 42 |
| Total risk-based capital ratio | 105.7611% | 41 |
| Memoranda: | ||
| Average total assets | $71,969,000 | 5,230 |
| Average earning assets | $69,394,000 | 5,135 |
| Average equity | $40,532,800 | 1,758 |
| Average total loans | $26,732,800 | 5,711 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7137% | 6,326 |
| Cost of funding earning assets | 0.3483% | 4,358 |
| Net interest margin | 2.3653% | 6,317 |
| Noninterest income to average assets | 1.2361% | 795 |
| Noninterest expense to average assets | 13.2735% | 51 |
| Loan and lease loss provision to assets | 0.3811% | 454 |
| Net operating income to assets | -10.1395% | 6,587 |
| Return on assets (ROA) | -10.1357% | 6,587 |
| Pretax return on assets | -10.1357% | 6,586 |
| Return on Equity (ROE) | -17.2910% | 6,495 |
| Retained earnings to average equity (ytd only) | -17.2910% | 6,468 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 377.6160% | 6 |
| Assets per employee ($millions) | 1.6460% | 6,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 2,940 |
| 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 | 0.0000% | 6,061 |
| Net loans and leases to total assets | 41.3381% | 5,728 |
| Net loans and leases to deposits | 89.2424% | 1,515 |
| Net loans and leases to core deposits | 94.7337% | 1,779 |
| Total domestic deposits to total assets | 46.3212% | 6,530 |
| Equity capital to assets | 51.3068% | 42 |
| Core capital (leverage) ratio | 51.2289% | 40 |
| Tier 1 risk-based capital ratio | 108.6831% | 43 |
| Total risk-based capital ratio | 109.9328% | 43 |
| Memoranda: | ||
| Average total assets | $70,324,000 | 5,334 |
| Average earning assets | $67,754,500 | 5,232 |
| Average equity | $41,222,750 | 1,744 |
| Average total loans | $23,889,250 | 5,888 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7419% | 6,372 |
| Cost of funding earning assets | 0.3151% | 4,825 |
| Net interest margin | 2.4268% | 6,337 |
| Noninterest income to average assets | 1.2112% | 795 |
| Noninterest expense to average assets | 14.0180% | 50 |
| Loan and lease loss provision to assets | 0.3356% | 549 |
| Net operating income to assets | -10.8046% | 6,655 |
| Return on assets (ROA) | -10.7988% | 6,655 |
| Pretax return on assets | -10.7988% | 6,654 |
| Return on Equity (ROE) | -17.6130% | 6,569 |
| Retained earnings to average equity (ytd only) | -17.6130% | 6,525 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 394.9836% | 5 |
| Assets per employee ($millions) | 1.6014% | 6,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4502% | 3,109 |
| 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 | 0.0000% | 6,120 |
| Net loans and leases to total assets | 35.3645% | 6,083 |
| Net loans and leases to deposits | 86.5890% | 1,760 |
| Net loans and leases to core deposits | 94.3922% | 1,741 |
| Total domestic deposits to total assets | 40.8418% | 6,608 |
| Equity capital to assets | 56.4355% | 38 |
| Core capital (leverage) ratio | 56.1122% | 38 |
| Tier 1 risk-based capital ratio | 124.2854% | 38 |
| Total risk-based capital ratio | 125.4380% | 38 |
| Memoranda: | ||
| Average total assets | $68,526,330 | 5,437 |
| Average earning assets | $66,013,330 | 5,320 |
| Average equity | $42,014,330 | 1,705 |
| Average total loans | $21,265,330 | 6,022 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6896% | 6,473 |
| Cost of funding earning assets | 0.2802% | 5,283 |
| Net interest margin | 2.4095% | 6,413 |
| Noninterest income to average assets | 1.1025% | 917 |
| Noninterest expense to average assets | 12.9181% | 54 |
| Loan and lease loss provision to assets | 0.1977% | 1,182 |
| Net operating income to assets | -9.6946% | 6,726 |
| Return on assets (ROA) | -9.6826% | 6,726 |
| Pretax return on assets | -9.6826% | 6,725 |
| Return on Equity (ROE) | -15.1426% | 6,603 |
| Retained earnings to average equity (ytd only) | -15.1426% | 6,469 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 377.5832% | 6 |
| Assets per employee ($millions) | 1.2738% | 6,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4571% | 3,343 |
| 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 | 0.0000% | 6,210 |
| Net loans and leases to total assets | 29.3527% | 6,377 |
| Net loans and leases to deposits | 84.0980% | 1,812 |
| Net loans and leases to core deposits | 93.1685% | 1,625 |
| Total domestic deposits to total assets | 34.9030% | 6,684 |
| Equity capital to assets | 62.3982% | 39 |
| Core capital (leverage) ratio | 62.9803% | 36 |
| Tier 1 risk-based capital ratio | 146.1200% | 37 |
| Total risk-based capital ratio | 147.1270% | 37 |
| Memoranda: | ||
| Average total assets | $66,759,000 | 5,540 |
| Average earning assets | $64,246,500 | 5,431 |
| Average equity | $42,687,500 | 1,668 |
| Average total loans | $18,968,500 | 6,183 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6624% | 6,564 |
| Cost of funding earning assets | 0.2815% | 5,753 |
| Net interest margin | 2.3809% | 6,467 |
| Noninterest income to average assets | 0.9917% | 1,416 |
| Noninterest expense to average assets | 11.2500% | 68 |
| Loan and lease loss provision to assets | 0.1706% | 2,150 |
| Net operating income to assets | -8.1349% | 6,806 |
| Return on assets (ROA) | -8.1349% | 6,807 |
| Pretax return on assets | -8.1349% | 6,807 |
| Return on Equity (ROE) | -11.7520% | 6,603 |
| Retained earnings to average equity (ytd only) | -11.7520% | 6,564 |
| Net charge-offs to loans | 0.0198% | 5,039 |
| Credit loss provision to net charge-offs | 3,900.0000% | 52 |
| Earnings coverage of net charge-offs (x) | -1,820.3333% | 5,474 |
| Efficiency ratio | 342.3879% | 9 |
| Assets per employee ($millions) | 1.2694% | 6,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4584% | 3,380 |
| 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 | 0.0000% | 6,319 |
| Net loans and leases to total assets | 26.6150% | 6,556 |
| Net loans and leases to deposits | 81.3785% | 2,265 |
| Net loans and leases to core deposits | 92.5703% | 1,720 |
| Total domestic deposits to total assets | 32.7051% | 6,766 |
| Equity capital to assets | 65.5224% | 38 |
| Core capital (leverage) ratio | 66.8631% | 35 |
| Tier 1 risk-based capital ratio | 156.3962% | 35 |
| Total risk-based capital ratio | 157.3175% | 34 |
| Memoranda: | ||
| Average total assets | $68,569,000 | 5,523 |
| Average earning assets | $66,067,400 | 5,403 |
| Average equity | $47,464,200 | 1,478 |
| Average total loans | $15,144,200 | 6,409 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4125% | 6,724 |
| Cost of funding earning assets | 0.2818% | 5,876 |
| Net interest margin | 2.1307% | 6,684 |
| Noninterest income to average assets | 0.9209% | 1,690 |
| Noninterest expense to average assets | 9.9753% | 80 |
| Loan and lease loss provision to assets | 0.2042% | 1,778 |
| Net operating income to assets | -7.2050% | 6,887 |
| Return on assets (ROA) | -7.2050% | 6,886 |
| Pretax return on assets | -7.2050% | 6,886 |
| Return on Equity (ROE) | -10.2778% | 6,695 |
| Retained earnings to average equity (ytd only) | -10.2778% | 6,645 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 335.3627% | 8 |
| Assets per employee ($millions) | 1.4216% | 6,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 3,622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 25.3693% | 6,660 |
| Net loans and leases to deposits | 82.6950% | 2,047 |
| Net loans and leases to core deposits | 94.7457% | 1,500 |
| Total domestic deposits to total assets | 30.6782% | 6,846 |
| Equity capital to assets | 68.2053% | 34 |
| Core capital (leverage) ratio | 68.8100% | 30 |
| Tier 1 risk-based capital ratio | 161.8575% | 31 |
| Total risk-based capital ratio | 162.7447% | 31 |
| Memoranda: | ||
| Average total assets | $69,209,250 | 5,555 |
| Average earning assets | $66,706,250 | 5,437 |
| Average equity | $48,517,750 | 1,464 |
| Average total loans | $14,473,250 | 6,508 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4106% | 6,764 |
| Cost of funding earning assets | 0.2906% | 5,897 |
| Net interest margin | 2.1200% | 6,728 |
| Noninterest income to average assets | 0.9113% | 1,782 |
| Noninterest expense to average assets | 9.2304% | 94 |
| Loan and lease loss provision to assets | 0.1885% | 2,007 |
| Net operating income to assets | -6.4650% | 6,928 |
| Return on assets (ROA) | -6.4650% | 6,928 |
| Pretax return on assets | -6.4650% | 6,929 |
| Return on Equity (ROE) | -9.1434% | 6,728 |
| Retained earnings to average equity (ytd only) | -9.1434% | 6,643 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 312.4758% | 10 |
| Assets per employee ($millions) | 1.9295% | 6,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 3,878 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 21.5850% | 6,771 |
| Net loans and leases to deposits | 74.0777% | 3,138 |
| Net loans and leases to core deposits | 91.0096% | 1,810 |
| Total domestic deposits to total assets | 29.1383% | 6,900 |
| Equity capital to assets | 69.9821% | 33 |
| Core capital (leverage) ratio | 70.2634% | 30 |
| Tier 1 risk-based capital ratio | 171.5014% | 30 |
| Total risk-based capital ratio | 172.2676% | 30 |
| Memoranda: | ||
| Average total assets | $70,008,000 | 5,569 |
| Average earning assets | $67,452,330 | 5,460 |
| Average equity | $49,500,330 | 1,444 |
| Average total loans | $13,563,670 | 6,578 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4467% | 6,831 |
| Cost of funding earning assets | 0.2971% | 5,986 |
| Net interest margin | 2.1496% | 6,785 |
| Noninterest income to average assets | 1.0499% | 1,345 |
| Noninterest expense to average assets | 9.8589% | 84 |
| Loan and lease loss provision to assets | 0.2414% | 1,498 |
| Net operating income to assets | -6.9787% | 7,004 |
| Return on assets (ROA) | -6.9787% | 7,005 |
| Pretax return on assets | -6.9787% | 7,004 |
| Return on Equity (ROE) | -9.8222% | 6,803 |
| Retained earnings to average equity (ytd only) | -9.8222% | 6,609 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 315.8273% | 14 |
| Assets per employee ($millions) | 2.4704% | 6,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 4,486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 19.3236% | 6,868 |
| Net loans and leases to deposits | 65.4841% | 4,125 |
| Net loans and leases to core deposits | 79.1991% | 2,903 |
| Total domestic deposits to total assets | 29.5088% | 6,975 |
| Equity capital to assets | 69.5755% | 34 |
| Core capital (leverage) ratio | 67.6563% | 28 |
| Tier 1 risk-based capital ratio | 174.2872% | 32 |
| Total risk-based capital ratio | 174.9667% | 32 |
| Memoranda: | ||
| Average total assets | $71,245,500 | 5,586 |
| Average earning assets | $68,663,000 | 5,474 |
| Average equity | $50,620,000 | 1,434 |
| Average total loans | $12,951,000 | 6,661 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4453% | 6,947 |
| Cost of funding earning assets | 0.2848% | 6,526 |
| Net interest margin | 2.1605% | 6,887 |
| Noninterest income to average assets | 0.8931% | 1,883 |
| Noninterest expense to average assets | 7.8353% | 117 |
| Loan and lease loss provision to assets | 0.1815% | 3,361 |
| Net operating income to assets | -5.0270% | 7,057 |
| Return on assets (ROA) | -4.8285% | 7,056 |
| Pretax return on assets | -4.8285% | 7,057 |
| Return on Equity (ROE) | -6.4158% | 6,638 |
| Retained earnings to average equity (ytd only) | -6.4158% | 6,497 |
| Net charge-offs to loans | 0.0177% | 5,668 |
| Credit loss provision to net charge-offs | 12,800.0000% | 18 |
| Earnings coverage of net charge-offs (x) | -3,418.0000% | 5,984 |
| Efficiency ratio | 262.0673% | 21 |
| Assets per employee ($millions) | 2.8339% | 6,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 4,978 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 16.5467% | 6,968 |
| Net loans and leases to deposits | 63.0506% | 4,657 |
| Net loans and leases to core deposits | 76.5509% | 3,455 |
| Total domestic deposits to total assets | 26.2435% | 7,043 |
| Equity capital to assets | 72.5412% | 31 |
| Core capital (leverage) ratio | 70.1699% | 30 |
| Tier 1 risk-based capital ratio | 184.8310% | 34 |
| Total risk-based capital ratio | 185.3738% | 34 |
| Memoranda: | ||
| Average total assets | $70,539,400 | 5,615 |
| Average earning assets | $68,457,200 | 5,482 |
| Average equity | $53,087,800 | 1,340 |
| Average total loans | $5,649,400 | 6,986 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2311% | 7,088 |
| Cost of funding earning assets | 0.2959% | 6,636 |
| Net interest margin | 1.9352% | 7,051 |
| Noninterest income to average assets | 0.7266% | 2,588 |
| Noninterest expense to average assets | 7.0447% | 139 |
| Loan and lease loss provision to assets | 0.1608% | 3,500 |
| Net operating income to assets | -4.5981% | 7,156 |
| Return on assets (ROA) | -4.3332% | 7,154 |
| Pretax return on assets | -4.3332% | 7,155 |
| Return on Equity (ROE) | -5.7058% | 6,744 |
| Retained earnings to average equity (ytd only) | -5.7058% | 6,659 |
| Net charge-offs to loans | 0.0325% | 5,188 |
| Credit loss provision to net charge-offs | 8,500.0000% | 28 |
| Earnings coverage of net charge-offs (x) | -2,350.8195% | 5,770 |
| Efficiency ratio | 270.1742% | 21 |
| Assets per employee ($millions) | 3.1487% | 5,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 4,754 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 11.1748% | 7,110 |
| Net loans and leases to deposits | 48.5329% | 6,230 |
| Net loans and leases to core deposits | 61.0633% | 5,450 |
| Total domestic deposits to total assets | 23.0252% | 7,146 |
| Equity capital to assets | 76.3815% | 29 |
| Core capital (leverage) ratio | 73.3760% | 27 |
| Tier 1 risk-based capital ratio | 219.4689% | 29 |
| Total risk-based capital ratio | 219.9136% | 30 |
| Memoranda: | ||
| Average total assets | $70,462,250 | 5,681 |
| Average earning assets | $68,485,000 | 5,540 |
| Average equity | $53,511,250 | 1,340 |
| Average total loans | $4,094,500 | 7,112 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2137% | 7,160 |
| Cost of funding earning assets | 0.3129% | 6,676 |
| Net interest margin | 1.9007% | 7,131 |
| Noninterest income to average assets | 0.6351% | 3,034 |
| Noninterest expense to average assets | 7.3018% | 137 |
| Loan and lease loss provision to assets | 0.1016% | 4,255 |
| Net operating income to assets | -4.9168% | 7,209 |
| Return on assets (ROA) | -4.9168% | 7,210 |
| Pretax return on assets | -4.9168% | 7,210 |
| Return on Equity (ROE) | -6.4865% | 6,816 |
| Retained earnings to average equity (ytd only) | -6.4865% | 6,696 |
| Net charge-offs to loans | 0.0703% | 4,445 |
| Credit loss provision to net charge-offs | 3,600.0000% | 82 |
| Earnings coverage of net charge-offs (x) | -1,706.0000% | 5,506 |
| Efficiency ratio | 293.6436% | 22 |
| Assets per employee ($millions) | 3.3740% | 5,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 5,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 6.1238% | 7,195 |
| Net loans and leases to deposits | 25.5310% | 7,075 |
| Net loans and leases to core deposits | 29.2346% | 7,039 |
| Total domestic deposits to total assets | 23.9856% | 7,212 |
| Equity capital to assets | 74.9305% | 29 |
| Core capital (leverage) ratio | 72.5101% | 26 |
| Tier 1 risk-based capital ratio | 252.9267% | 19 |
| Total risk-based capital ratio | 253.1925% | 18 |
| Memoranda: | ||
| Average total assets | $70,859,000 | 5,706 |
| Average earning assets | $69,025,670 | 5,558 |
| Average equity | $53,711,330 | 1,329 |
| Average total loans | $2,844,670 | 7,195 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4206% | 7,191 |
| Cost of funding earning assets | 0.3055% | 6,825 |
| Net interest margin | 2.1151% | 7,128 |
| Noninterest income to average assets | 0.5363% | 3,654 |
| Noninterest expense to average assets | 6.9037% | 149 |
| Loan and lease loss provision to assets | 0.0960% | 4,151 |
| Net operating income to assets | -4.3917% | 7,263 |
| Return on assets (ROA) | -4.3917% | 7,262 |
| Pretax return on assets | -4.3917% | 7,260 |
| Return on Equity (ROE) | -5.7607% | 6,876 |
| Retained earnings to average equity (ytd only) | -5.7607% | 6,639 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 264.7186% | 25 |
| Assets per employee ($millions) | 3.5478% | 5,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 5,280 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 4.0236% | 7,260 |
| Net loans and leases to deposits | 17.2664% | 7,214 |
| Net loans and leases to core deposits | 19.8512% | 7,197 |
| Total domestic deposits to total assets | 23.3032% | 7,276 |
| Equity capital to assets | 75.6779% | 28 |
| Core capital (leverage) ratio | 73.7668% | 24 |
| Tier 1 risk-based capital ratio | 311.3927% | 13 |
| Total risk-based capital ratio | 311.6069% | 13 |
| Memoranda: | ||
| Average total assets | $70,861,000 | 5,742 |
| Average earning assets | $69,404,500 | 5,583 |
| Average equity | $54,021,000 | 1,307 |
| Average total loans | $2,070,500 | 7,261 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6394% | 7,243 |
| Cost of funding earning assets | 0.2353% | 7,194 |
| Net interest margin | 2.4041% | 7,100 |
| Noninterest income to average assets | 0.5953% | 3,190 |
| Noninterest expense to average assets | 9.0721% | 86 |
| Loan and lease loss provision to assets | 0.0451% | 6,015 |
| Net operating income to assets | -6.1714% | 7,323 |
| Return on assets (ROA) | -6.1714% | 7,324 |
| Pretax return on assets | -6.1714% | 7,327 |
| Return on Equity (ROE) | -7.3994% | 6,654 |
| Retained earnings to average equity (ytd only) | -7.3994% | 6,596 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 307.1659% | 25 |
| Assets per employee ($millions) | 4.7177% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 3,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 1.7395% | 7,312 |
| Net loans and leases to deposits | 7.9266% | 7,306 |
| Net loans and leases to core deposits | 9.2024% | 7,293 |
| Total domestic deposits to total assets | 21.9456% | 7,321 |
| Equity capital to assets | 76.7939% | 24 |
| Core capital (leverage) ratio | 76.3855% | 22 |
| Tier 1 risk-based capital ratio | 344.7336% | 13 |
| Total risk-based capital ratio | 344.8569% | 13 |
| Memoranda: | ||
| Average total assets | $42,162,200 | 6,594 |
| Average earning assets | $41,221,800 | 6,486 |
| Average equity | $35,165,000 | 1,915 |
| Average total loans | $506,200 | 7,317 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7286% | 7,317 |
| Cost of funding earning assets | 0.1678% | 7,351 |
| Net interest margin | 2.5607% | 7,103 |
| Noninterest income to average assets | 0.6931% | 2,648 |
| Noninterest expense to average assets | 10.3164% | 71 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -7.1251% | 7,413 |
| Return on assets (ROA) | -7.1251% | 7,414 |
| Pretax return on assets | -7.1251% | 7,413 |
| Return on Equity (ROE) | -8.2140% | 6,823 |
| Retained earnings to average equity (ytd only) | -8.2140% | 6,775 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 322.6730% | 19 |
| Assets per employee ($millions) | 5.3928% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 1.3964% | 7,392 |
| Net loans and leases to deposits | 6.5957% | 7,388 |
| Net loans and leases to core deposits | 8.1856% | 7,372 |
| Total domestic deposits to total assets | 21.1719% | 7,397 |
| Equity capital to assets | 78.3417% | 26 |
| Core capital (leverage) ratio | 78.0054% | 25 |
| Tier 1 risk-based capital ratio | 372.3106% | 15 |
| Total risk-based capital ratio | 372.3106% | 15 |
| Memoranda: | ||
| Average total assets | $35,011,250 | 6,897 |
| Average earning assets | $34,156,250 | 6,807 |
| Average equity | $30,370,250 | 2,172 |
| Average total loans | $320,250 | 7,396 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6837% | 7,399 |
| Cost of funding earning assets | 0.0177% | 7,485 |
| Net interest margin | 2.6660% | 7,063 |
| Noninterest income to average assets | 1.0123% | 1,291 |
| Noninterest expense to average assets | 13.0315% | 56 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -9.4283% | 7,498 |
| Return on assets (ROA) | -9.4283% | 7,498 |
| Pretax return on assets | -9.4283% | 7,500 |
| Return on Equity (ROE) | -9.9071% | 6,936 |
| Retained earnings to average equity (ytd only) | -9.9071% | 6,875 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 361.6667% | 14 |
| Assets per employee ($millions) | 4.3922% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 0.5289% | 7,468 |
| Net loans and leases to deposits | 17.8910% | 7,420 |
| Net loans and leases to core deposits | 51.3605% | 6,696 |
| Total domestic deposits to total assets | 2.9563% | 7,498 |
| Equity capital to assets | 96.3274% | 3 |
| Core capital (leverage) ratio | 96.3029% | 3 |
| Tier 1 risk-based capital ratio | 449.2392% | 7 |
| Total risk-based capital ratio | 449.2392% | 7 |
| Memoranda: | ||
| Average total assets | $23,312,670 | 7,281 |
| Average earning assets | $22,655,330 | 7,227 |
| Average equity | $22,186,000 | 2,854 |
| Average total loans | $100,670 | 7,473 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7856% | 6,966 |
| Cost of funding earning assets | 0.0653% | 7,536 |
| Net interest margin | 3.7203% | 3,996 |
| Noninterest income to average assets | 3.6137% | 182 |
| Noninterest expense to average assets | 23.9252% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -16.7601% | 7,571 |
| Return on assets (ROA) | -16.7601% | 7,571 |
| Pretax return on assets | -16.7601% | 7,571 |
| Return on Equity (ROE) | -18.6207% | 7,201 |
| Retained earnings to average equity (ytd only) | -18.6207% | 7,130 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 333.9130% | 25 |
| Assets per employee ($millions) | 1.0685% | 7,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| 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% | 7,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,537 |
| Net loans and leases to deposits | 0.0000% | 7,537 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.7991% | 7,556 |
| Equity capital to assets | 87.8334% | 12 |
| Core capital (leverage) ratio | 87.4860% | 12 |
| Tier 1 risk-based capital ratio | 384.2847% | 14 |
| Total risk-based capital ratio | 384.2847% | 14 |
| Memoranda: | ||
| Average total assets | $6,420,000 | 7,566 |
| Average earning assets | $6,128,500 | 7,551 |
| Average equity | $5,778,500 | 6,312 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7673% | 7,272 |
| Cost of funding earning assets | 0.0636% | 7,597 |
| Net interest margin | 3.7037% | 4,326 |
| Noninterest income to average assets | 3.4750% | 199 |
| Noninterest expense to average assets | 6.4712% | 185 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.3552% | 4,721 |
| Return on assets (ROA) | 0.3552% | 4,885 |
| Pretax return on assets | 0.6023% | 4,319 |
| Return on Equity (ROE) | 0.3870% | 5,858 |
| Retained earnings to average equity (ytd only) | 0.3870% | 5,386 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4847% | 1,218 |
| Assets per employee ($millions) | 6.4290% | 973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| 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% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | 0.0000% | 7,616 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.7773% | 7,635 |
| Equity capital to assets | 92.1761% | 9 |
| Core capital (leverage) ratio | 91.9197% | 11 |
| Tier 1 risk-based capital ratio | 414.3374% | 12 |
| Total risk-based capital ratio | 414.3374% | 12 |
| Memoranda: | ||
| Average total assets | $6,474,800 | 7,649 |
| Average earning assets | $6,291,000 | 7,634 |
| Average equity | $5,943,200 | 6,383 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6897% | 7,450 |
| Cost of funding earning assets | 0.0633% | 7,710 |
| Net interest margin | 3.6265% | 4,747 |
| Noninterest income to average assets | 3.4328% | 190 |
| Noninterest expense to average assets | 6.3722% | 191 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3495% | 4,974 |
| Return on assets (ROA) | 0.3495% | 5,144 |
| Pretax return on assets | 0.5962% | 4,609 |
| Return on Equity (ROE) | 0.3812% | 6,034 |
| Retained earnings to average equity (ytd only) | 0.3812% | 5,638 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4454% | 1,177 |
| Assets per employee ($millions) | 6.5230% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| 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% | 7,384 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,720 |
| Net loans and leases to deposits | 0.0000% | 7,720 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.6652% | 7,738 |
| Equity capital to assets | 91.3383% | 10 |
| Core capital (leverage) ratio | 91.0046% | 10 |
| Tier 1 risk-based capital ratio | 438.6800% | 12 |
| Total risk-based capital ratio | 438.6800% | 12 |
| Memoranda: | ||
| Average total assets | $6,486,250 | 7,752 |
| Average earning assets | $6,323,750 | 7,737 |
| Average equity | $5,947,500 | 6,462 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9292% | 7,408 |
| Cost of funding earning assets | 0.0634% | 7,782 |
| Net interest margin | 3.8659% | 3,607 |
| Noninterest income to average assets | 3.3673% | 200 |
| Noninterest expense to average assets | 5.5916% | 260 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2975% | 1,315 |
| Return on assets (ROA) | 1.2975% | 1,375 |
| Pretax return on assets | 1.5446% | 1,449 |
| Return on Equity (ROE) | 1.4132% | 5,828 |
| Retained earnings to average equity (ytd only) | 1.4132% | 5,166 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3550% | 2,667 |
| Assets per employee ($millions) | 6.5440% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| 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% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.6406% | 7,804 |
| Equity capital to assets | 91.9163% | 13 |
| Core capital (leverage) ratio | 91.5630% | 12 |
| Tier 1 risk-based capital ratio | 441.6154% | 11 |
| Total risk-based capital ratio | 441.6154% | 11 |
| Memoranda: | ||
| Average total assets | $6,474,000 | 7,820 |
| Average earning assets | $6,311,670 | 7,804 |
| Average equity | $5,944,000 | 6,485 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0147% | 7,447 |
| Cost of funding earning assets | 0.0637% | 7,885 |
| Net interest margin | 3.9509% | 3,097 |
| Noninterest income to average assets | 3.3546% | 192 |
| Noninterest expense to average assets | 5.2803% | 300 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6773% | 643 |
| Return on assets (ROA) | 1.6773% | 694 |
| Pretax return on assets | 1.9258% | 698 |
| Return on Equity (ROE) | 1.8279% | 5,824 |
| Retained earnings to average equity (ytd only) | 1.8279% | 5,020 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2759% | 3,707 |
| Assets per employee ($millions) | 6.4680% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| 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% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.7304% | 7,906 |
| Equity capital to assets | 91.8367% | 8 |
| Core capital (leverage) ratio | 91.5574% | 11 |
| Tier 1 risk-based capital ratio | 442.1622% | 9 |
| Total risk-based capital ratio | 442.1622% | 9 |
| Memoranda: | ||
| Average total assets | $6,439,000 | 7,924 |
| Average earning assets | $6,277,000 | 7,907 |
| Average equity | $5,908,500 | 6,555 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2353% | 7,590 |
| Cost of funding earning assets | 0.1918% | 7,944 |
| Net interest margin | 4.0435% | 2,678 |
| Noninterest income to average assets | 3.2408% | 212 |
| Noninterest expense to average assets | 6.5127% | 247 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4120% | 4,083 |
| Return on assets (ROA) | 0.4518% | 4,042 |
| Pretax return on assets | 0.7323% | 3,466 |
| Return on Equity (ROE) | 0.4928% | 5,391 |
| Retained earnings to average equity (ytd only) | 0.4928% | 4,630 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6725% | 1,658 |
| Assets per employee ($millions) | 6.4100% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| 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% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.8003% | 7,981 |
| Equity capital to assets | 91.6849% | 11 |
| Core capital (leverage) ratio | 91.4474% | 10 |
| Tier 1 risk-based capital ratio | 441.4407% | 6 |
| Total risk-based capital ratio | 441.4407% | 6 |
| Memoranda: | ||
| Average total assets | $6,418,200 | 8,004 |
| Average earning assets | $6,257,000 | 7,987 |
| Average equity | $5,884,400 | 6,641 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2601% | 7,689 |
| Cost of funding earning assets | 0.1917% | 8,032 |
| Net interest margin | 4.0684% | 2,518 |
| Noninterest income to average assets | 3.1151% | 215 |
| Noninterest expense to average assets | 6.7078% | 224 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.1752% | 5,233 |
| Return on assets (ROA) | 0.2285% | 5,144 |
| Pretax return on assets | 0.4570% | 4,650 |
| Return on Equity (ROE) | 0.2492% | 5,703 |
| Retained earnings to average equity (ytd only) | 0.2492% | 5,094 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7214% | 1,354 |
| Assets per employee ($millions) | 6.4630% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| 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% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.7363% | 8,067 |
| Equity capital to assets | 91.5829% | 10 |
| Core capital (leverage) ratio | 91.2610% | 12 |
| Tier 1 risk-based capital ratio | 442.7903% | 7 |
| Total risk-based capital ratio | 442.7903% | 7 |
| Memoranda: | ||
| Average total assets | $6,420,250 | 8,089 |
| Average earning assets | $6,259,500 | 8,072 |
| Average equity | $5,886,250 | 6,710 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2921% | 7,779 |
| Cost of funding earning assets | 0.1922% | 8,128 |
| Net interest margin | 4.0999% | 2,320 |
| Noninterest income to average assets | 3.0596% | 207 |
| Noninterest expense to average assets | 5.7446% | 348 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1239% | 1,686 |
| Return on assets (ROA) | 1.1239% | 1,770 |
| Pretax return on assets | 1.3113% | 1,990 |
| Return on Equity (ROE) | 1.2255% | 5,563 |
| Retained earnings to average equity (ytd only) | 1.2255% | 4,664 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4159% | 2,810 |
| Assets per employee ($millions) | 6.4160% | 1,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| 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% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.7930% | 8,165 |
| Equity capital to assets | 91.7082% | 11 |
| Core capital (leverage) ratio | 91.4716% | 13 |
| Tier 1 risk-based capital ratio | 443.7014% | 6 |
| Total risk-based capital ratio | 443.7014% | 6 |
| Memoranda: | ||
| Average total assets | $6,406,000 | 8,183 |
| Average earning assets | $6,244,000 | 8,168 |
| Average equity | $5,875,330 | 6,770 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3607% | 7,820 |
| Cost of funding earning assets | 0.1924% | 8,183 |
| Net interest margin | 4.1683% | 2,019 |
| Noninterest income to average assets | 3.4995% | 183 |
| Noninterest expense to average assets | 5.0617% | 464 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.3121% | 186 |
| Return on assets (ROA) | 2.3121% | 219 |
| Pretax return on assets | 2.4996% | 262 |
| Return on Equity (ROE) | 2.5209% | 5,564 |
| Retained earnings to average equity (ytd only) | 2.5209% | 4,475 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9421% | 5,155 |
| Assets per employee ($millions) | 6.4340% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| 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% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.7712% | 8,216 |
| Equity capital to assets | 91.8402% | 8 |
| Core capital (leverage) ratio | 91.5757% | 10 |
| Tier 1 risk-based capital ratio | 443.4343% | 6 |
| Total risk-based capital ratio | 443.4343% | 6 |
| Memoranda: | ||
| Average total assets | $6,401,000 | 8,234 |
| Average earning assets | $6,237,500 | 8,217 |
| Average equity | $5,871,000 | 6,823 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5560% | 8,019 |
| Cost of funding earning assets | 0.3362% | 8,217 |
| Net interest margin | 4.2198% | 2,233 |
| Noninterest income to average assets | 18.6677% | 48 |
| Noninterest expense to average assets | 17.4113% | 60 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 5.1219% | 34 |
| Return on assets (ROA) | 5.1219% | 36 |
| Pretax return on assets | 5.2991% | 45 |
| Return on Equity (ROE) | 5.6600% | 4,092 |
| Retained earnings to average equity (ytd only) | 5.6600% | 1,688 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6667% | 3,124 |
| Assets per employee ($millions) | 6.3680% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| 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% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.8518% | 8,271 |
| Equity capital to assets | 91.5986% | 10 |
| Core capital (leverage) ratio | 91.3779% | 12 |
| Tier 1 risk-based capital ratio | 442.6230% | 8 |
| Total risk-based capital ratio | 442.6230% | 8 |
| Memoranda: | ||
| Average total assets | $6,208,600 | 8,292 |
| Average earning assets | $5,948,200 | 8,277 |
| Average equity | $5,618,400 | 6,941 |
| Average total loans | NA | NA |