Home > Bank of Hazlehurst > Performance and Condition Ratios
Bank of Hazlehurst, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1686% | 2,793 |
| Cost of funding earning assets | 0.3588% | 4,325 |
| Net interest margin | 4.8098% | 402 |
| Noninterest income to average assets | 0.3900% | 2,290 |
| Noninterest expense to average assets | 2.7699% | 1,581 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 2.3032% | 284 |
| Return on assets (ROA) | 2.3032% | 286 |
| Pretax return on assets | 2.3032% | 426 |
| Return on Equity (ROE) | 24.2400% | 215 |
| Retained earnings to average equity (ytd only) | -20.1196% | 4,383 |
| Net charge-offs to loans | -0.3459% | 4,467 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 54.5994% | 3,542 |
| Assets per employee ($millions) | 4.3995% | 3,948 |
| Cash dividends to net income (ytd only)* | 183.0065% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0597% | 92 |
| Loan loss allowance to noncurrent loans | 987.0466% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.1462% | 2,777 |
| Noncurrent loans to loans | 0.4113% | 2,082 |
| Net loans and leases to total assets | 34.1100% | 4,123 |
| Net loans and leases to deposits | 37.9010% | 4,170 |
| Net loans and leases to core deposits | 38.1535% | 4,192 |
| Total domestic deposits to total assets | 90.0000% | 813 |
| Equity capital to assets | 9.6686% | 2,453 |
| Core capital (leverage) ratio | 13.4663% | 939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.7109% | 214 |
| Memoranda: | ||
| Average total assets | $132,858,500 | 3,525 |
| Average earning assets | $129,319,500 | 3,446 |
| Average equity | $12,624,500 | 3,569 |
| Average total loans | $48,567,500 | 3,841 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1173% | 2,897 |
| Cost of funding earning assets | 0.3470% | 4,343 |
| Net interest margin | 4.7703% | 452 |
| Noninterest income to average assets | 0.5100% | 1,882 |
| Noninterest expense to average assets | 3.0585% | 1,053 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 2.0805% | 347 |
| Return on assets (ROA) | 2.0805% | 348 |
| Pretax return on assets | 2.0805% | 524 |
| Return on Equity (ROE) | 22.2100% | 284 |
| Retained earnings to average equity (ytd only) | 11.8218% | 317 |
| Net charge-offs to loans | -1.0036% | 4,513 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 59.5160% | 3,220 |
| Assets per employee ($millions) | 4.7762% | 3,784 |
| Cash dividends to net income (ytd only)* | 46.7780% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9275% | 97 |
| Loan loss allowance to noncurrent loans | 1,120.4545% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1316% | 2,809 |
| Noncurrent loans to loans | 0.3505% | 2,211 |
| Net loans and leases to total assets | 36.0700% | 4,112 |
| Net loans and leases to deposits | 39.9070% | 4,156 |
| Net loans and leases to core deposits | 40.1672% | 4,189 |
| Total domestic deposits to total assets | 90.3900% | 693 |
| Equity capital to assets | 9.3380% | 2,568 |
| Core capital (leverage) ratio | 13.7311% | 856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.6374% | 232 |
| Memoranda: | ||
| Average total assets | $123,818,400 | 3,592 |
| Average earning assets | $120,161,000 | 3,519 |
| Average equity | $11,597,200 | 3,627 |
| Average total loans | $50,816,200 | 3,801 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1118% | 2,836 |
| Cost of funding earning assets | 0.3412% | 4,385 |
| Net interest margin | 4.7706% | 446 |
| Noninterest income to average assets | 0.5100% | 1,850 |
| Noninterest expense to average assets | 3.0844% | 994 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 2.0460% | 397 |
| Return on assets (ROA) | 2.0460% | 405 |
| Pretax return on assets | 2.0460% | 597 |
| Return on Equity (ROE) | 21.8300% | 313 |
| Retained earnings to average equity (ytd only) | 8.1818% | 1,343 |
| Net charge-offs to loans | -1.2792% | 4,541 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 60.1199% | 3,145 |
| Assets per employee ($millions) | 4.2936% | 4,011 |
| Cash dividends to net income (ytd only)* | 62.5134% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7291% | 106 |
| Loan loss allowance to noncurrent loans | 967.9803% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 2,619 |
| Noncurrent loans to loans | 0.3852% | 2,117 |
| Net loans and leases to total assets | 42.2000% | 3,960 |
| Net loans and leases to deposits | 47.7113% | 4,016 |
| Net loans and leases to core deposits | 48.2876% | 4,085 |
| Total domestic deposits to total assets | 88.4400% | 1,103 |
| Equity capital to assets | 11.2103% | 1,620 |
| Core capital (leverage) ratio | 15.0256% | 625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6664% | 265 |
| Memoranda: | ||
| Average total assets | $121,339,750 | 3,620 |
| Average earning assets | $117,606,500 | 3,556 |
| Average equity | $11,374,500 | 3,655 |
| Average total loans | $50,967,750 | 3,808 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0472% | 2,864 |
| Cost of funding earning assets | 0.3185% | 4,400 |
| Net interest margin | 4.7287% | 464 |
| Noninterest income to average assets | 0.5100% | 1,806 |
| Noninterest expense to average assets | 3.0153% | 1,080 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 2.0770% | 395 |
| Return on assets (ROA) | 2.0770% | 394 |
| Pretax return on assets | 2.0770% | 575 |
| Return on Equity (ROE) | 23.6800% | 265 |
| Retained earnings to average equity (ytd only) | 1.8738% | 3,387 |
| Net charge-offs to loans | -1.7463% | 4,563 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 59.2126% | 3,279 |
| Assets per employee ($millions) | 4.2851% | 4,019 |
| Cash dividends to net income (ytd only)* | 92.0886% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6147% | 113 |
| Loan loss allowance to noncurrent loans | 748.6166% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 2,349 |
| Noncurrent loans to loans | 0.4829% | 1,799 |
| Net loans and leases to total assets | 42.0900% | 3,978 |
| Net loans and leases to deposits | 46.5075% | 4,052 |
| Net loans and leases to core deposits | 47.0566% | 4,109 |
| Total domestic deposits to total assets | 90.5100% | 570 |
| Equity capital to assets | 9.1921% | 2,613 |
| Core capital (leverage) ratio | 14.2435% | 763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3667% | 288 |
| Memoranda: | ||
| Average total assets | $121,713,000 | 3,625 |
| Average earning assets | $118,045,333 | 3,557 |
| Average equity | $10,673,667 | 3,707 |
| Average total loans | $50,392,333 | 3,825 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8781% | 3,022 |
| Cost of funding earning assets | 0.2998% | 4,428 |
| Net interest margin | 4.5782% | 541 |
| Noninterest income to average assets | 0.5100% | 1,724 |
| Noninterest expense to average assets | 3.0707% | 1,009 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.8698% | 518 |
| Return on assets (ROA) | 1.8698% | 528 |
| Pretax return on assets | 1.8698% | 748 |
| Return on Equity (ROE) | 21.8400% | 349 |
| Retained earnings to average equity (ytd only) | -21.9893% | 4,446 |
| Net charge-offs to loans | -3.3691% | 4,593 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 62.1532% | 3,018 |
| Assets per employee ($millions) | 4.1363% | 4,106 |
| Cash dividends to net income (ytd only)* | 200.6981% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0817% | 62 |
| Loan loss allowance to noncurrent loans | 642.7119% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.2459% | 2,131 |
| Noncurrent loans to loans | 0.6351% | 1,383 |
| Net loans and leases to total assets | 37.1400% | 4,117 |
| Net loans and leases to deposits | 40.6516% | 4,165 |
| Net loans and leases to core deposits | 41.1233% | 4,255 |
| Total domestic deposits to total assets | 91.3700% | 444 |
| Equity capital to assets | 8.3799% | 3,093 |
| Core capital (leverage) ratio | 13.5814% | 890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5697% | 274 |
| Memoranda: | ||
| Average total assets | $122,578,000 | 3,632 |
| Average earning assets | $118,735,500 | 3,562 |
| Average equity | $10,496,000 | 3,734 |
| Average total loans | $49,390,000 | 3,855 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0932% | 1,865 |
| Cost of funding earning assets | 0.1842% | 4,449 |
| Net interest margin | 4.9090% | 359 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.8799% | 1,313 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 2.0539% | 432 |
| Return on assets (ROA) | 2.0500% | 421 |
| Pretax return on assets | 2.0500% | 623 |
| Return on Equity (ROE) | 30.3900% | 176 |
| Retained earnings to average equity (ytd only) | 30.2758% | 48 |
| Net charge-offs to loans | -0.0911% | 4,481 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.4044% | 3,559 |
| Assets per employee ($millions) | 4.4715% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.3791% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8512% | 137 |
| Loan loss allowance to noncurrent loans | 223.6882% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 1,052 |
| Noncurrent loans to loans | 1.2746% | 558 |
| Net loans and leases to total assets | 40.6000% | 4,019 |
| Net loans and leases to deposits | 44.5684% | 4,088 |
| Net loans and leases to core deposits | 45.0643% | 4,176 |
| Total domestic deposits to total assets | 91.1000% | 480 |
| Equity capital to assets | 8.7379% | 2,874 |
| Core capital (leverage) ratio | 14.3922% | 724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8638% | 290 |
| Memoranda: | ||
| Average total assets | $128,683,600 | 3,563 |
| Average earning assets | $124,832,000 | 3,491 |
| Average equity | $8,680,200 | 3,858 |
| Average total loans | $51,577,800 | 3,825 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1349% | 1,570 |
| Cost of funding earning assets | 0.1581% | 4,470 |
| Net interest margin | 4.9767% | 315 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.8487% | 1,320 |
| Loan and lease loss provision to assets | 0.3500% | 251 |
| Net operating income to assets | 2.0604% | 462 |
| Return on assets (ROA) | 2.0552% | 460 |
| Pretax return on assets | 2.0552% | 706 |
| Return on Equity (ROE) | 32.8100% | 181 |
| Retained earnings to average equity (ytd only) | 32.6455% | 70 |
| Net charge-offs to loans | -0.1660% | 4,556 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.1683% | 3,572 |
| Assets per employee ($millions) | 4.1779% | 4,088 |
| Cash dividends to net income (ytd only)* | 0.5008% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7436% | 157 |
| Loan loss allowance to noncurrent loans | 182.0265% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.6614% | 864 |
| Noncurrent loans to loans | 1.5073% | 480 |
| Net loans and leases to total assets | 42.6800% | 3,965 |
| Net loans and leases to deposits | 45.6023% | 4,061 |
| Net loans and leases to core deposits | 45.7016% | 4,137 |
| Total domestic deposits to total assets | 93.5900% | 231 |
| Equity capital to assets | 6.1945% | 3,922 |
| Core capital (leverage) ratio | 13.3827% | 979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5739% | 363 |
| Memoranda: | ||
| Average total assets | $129,554,000 | 3,567 |
| Average earning assets | $125,621,250 | 3,498 |
| Average equity | $8,115,250 | 3,920 |
| Average total loans | $51,390,000 | 3,838 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3197% | 1,056 |
| Cost of funding earning assets | 0.1339% | 4,490 |
| Net interest margin | 5.1858% | 247 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.7917% | 1,431 |
| Loan and lease loss provision to assets | 0.4700% | 161 |
| Net operating income to assets | 2.1976% | 354 |
| Return on assets (ROA) | 2.1900% | 354 |
| Pretax return on assets | 2.1900% | 546 |
| Return on Equity (ROE) | 34.8400% | 153 |
| Retained earnings to average equity (ytd only) | 34.5953% | 63 |
| Net charge-offs to loans | -0.2032% | 4,592 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.1043% | 3,844 |
| Assets per employee ($millions) | 4.2256% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.6974% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8435% | 147 |
| Loan loss allowance to noncurrent loans | 193.9153% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.5964% | 904 |
| Noncurrent loans to loans | 1.4663% | 463 |
| Net loans and leases to total assets | 39.5100% | 4,057 |
| Net loans and leases to deposits | 42.5962% | 4,145 |
| Net loans and leases to core deposits | 42.6888% | 4,201 |
| Total domestic deposits to total assets | 92.7600% | 288 |
| Equity capital to assets | 7.0743% | 3,756 |
| Core capital (leverage) ratio | 12.3417% | 1,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9178% | 355 |
| Memoranda: | ||
| Average total assets | $130,960,000 | 3,559 |
| Average earning assets | $126,961,667 | 3,495 |
| Average equity | $8,232,333 | 3,929 |
| Average total loans | $50,186,667 | 3,858 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8424% | 393 |
| Cost of funding earning assets | 0.1239% | 4,504 |
| Net interest margin | 5.7185% | 117 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.6906% | 1,703 |
| Loan and lease loss provision to assets | 0.8400% | 81 |
| Net operating income to assets | 2.4441% | 260 |
| Return on assets (ROA) | 2.4441% | 257 |
| Pretax return on assets | 2.4441% | 384 |
| Return on Equity (ROE) | 41.3500% | 106 |
| Retained earnings to average equity (ytd only) | 40.8418% | 61 |
| Net charge-offs to loans | -0.3959% | 4,646 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.0201% | 4,268 |
| Assets per employee ($millions) | 4.3711% | 4,092 |
| Cash dividends to net income (ytd only)* | 1.2300% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9591% | 131 |
| Loan loss allowance to noncurrent loans | 249.3913% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.4536% | 1,124 |
| Noncurrent loans to loans | 1.1865% | 584 |
| Net loans and leases to total assets | 37.1000% | 4,151 |
| Net loans and leases to deposits | 39.8833% | 4,223 |
| Net loans and leases to core deposits | 39.9694% | 4,270 |
| Total domestic deposits to total assets | 93.0200% | 304 |
| Equity capital to assets | 6.8088% | 3,906 |
| Core capital (leverage) ratio | 11.3286% | 1,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0965% | 347 |
| Memoranda: | ||
| Average total assets | $133,056,000 | 3,586 |
| Average earning assets | $129,125,500 | 3,519 |
| Average equity | $7,864,500 | 4,015 |
| Average total loans | $49,501,500 | 3,911 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4451% | 3,222 |
| Cost of funding earning assets | 0.0902% | 4,427 |
| Net interest margin | 3.3549% | 2,408 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 4.3947% | 266 |
| Loan and lease loss provision to assets | 1.9000% | 22 |
| Net operating income to assets | -2.6255% | 4,694 |
| Return on assets (ROA) | -2.6240% | 4,693 |
| Pretax return on assets | -2.6240% | 4,693 |
| Return on Equity (ROE) | -30.5400% | 4,700 |
| Retained earnings to average equity (ytd only) | -30.5843% | 4,711 |
| Net charge-offs to loans | 6.5170% | 7 |
| Credit loss provision to net charge-offs | 75.1547% | 1,700 |
| Earnings coverage of net charge-offs (x) | -0.2877% | 4,673 |
| Efficiency ratio | 119.8132% | 65 |
| Assets per employee ($millions) | 4.8051% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1863% | 311 |
| Loan loss allowance to noncurrent loans | 93.9626% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.8439% | 545 |
| Noncurrent loans to loans | 2.3267% | 212 |
| Net loans and leases to total assets | 35.4800% | 4,236 |
| Net loans and leases to deposits | 37.4153% | 4,310 |
| Net loans and leases to core deposits | 37.4874% | 4,342 |
| Total domestic deposits to total assets | 94.8200% | 160 |
| Equity capital to assets | 5.0937% | 4,345 |
| Core capital (leverage) ratio | 10.5835% | 2,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8467% | 427 |
| Memoranda: | ||
| Average total assets | $134,299,400 | 3,591 |
| Average earning assets | $128,588,800 | 3,541 |
| Average equity | $11,538,600 | 3,710 |
| Average total loans | $52,064,000 | 3,865 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2552% | 3,300 |
| Cost of funding earning assets | 0.0871% | 4,373 |
| Net interest margin | 3.1681% | 2,719 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.5817% | 1,761 |
| Loan and lease loss provision to assets | 2.5300% | 13 |
| Net operating income to assets | -1.6426% | 4,723 |
| Return on assets (ROA) | -1.6386% | 4,719 |
| Pretax return on assets | -1.6386% | 4,708 |
| Return on Equity (ROE) | -17.2300% | 4,725 |
| Retained earnings to average equity (ytd only) | -17.2872% | 4,722 |
| Net charge-offs to loans | 8.6820% | 4 |
| Credit loss provision to net charge-offs | 73.7921% | 1,444 |
| Earnings coverage of net charge-offs (x) | 0.2580% | 2,294 |
| Efficiency ratio | 74.5155% | 1,231 |
| Assets per employee ($millions) | 4.3583% | 4,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8856% | 619 |
| Loan loss allowance to noncurrent loans | 93.1034% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.8948% | 536 |
| Noncurrent loans to loans | 2.0252% | 299 |
| Net loans and leases to total assets | 43.3500% | 3,917 |
| Net loans and leases to deposits | 46.3318% | 4,011 |
| Net loans and leases to core deposits | 46.4315% | 4,085 |
| Total domestic deposits to total assets | 93.5700% | 445 |
| Equity capital to assets | 6.2377% | 3,867 |
| Core capital (leverage) ratio | 10.9426% | 1,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1719% | 627 |
| Memoranda: | ||
| Average total assets | $133,037,000 | 3,626 |
| Average earning assets | $127,054,000 | 3,586 |
| Average equity | $12,648,750 | 3,647 |
| Average total loans | $52,444,250 | 3,876 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9730% | 3,619 |
| Cost of funding earning assets | 0.0836% | 4,338 |
| Net interest margin | 2.8894% | 3,199 |
| Noninterest income to average assets | 0.4481% | 2,465 |
| Noninterest expense to average assets | 2.5050% | 1,915 |
| Loan and lease loss provision to assets | 3.6820% | 7 |
| Net operating income to assets | -2.9781% | 4,746 |
| Return on assets (ROA) | -2.9722% | 4,744 |
| Pretax return on assets | -2.9722% | 4,742 |
| Return on Equity (ROE) | -28.2363% | 4,756 |
| Retained earnings to average equity (ytd only) | -28.3065% | 4,744 |
| Net charge-offs to loans | 13.2643% | 4 |
| Credit loss provision to net charge-offs | 73.1707% | 1,420 |
| Earnings coverage of net charge-offs (x) | 0.1399% | 2,101 |
| Efficiency ratio | 78.0645% | 1,078 |
| Assets per employee ($millions) | 4.5634% | 4,027 |
| Cash dividends to net income (ytd only)* | -0.2488% | 4,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0721% | 475 |
| Loan loss allowance to noncurrent loans | 101.1730% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 705 |
| Noncurrent loans to loans | 2.0481% | 314 |
| Net loans and leases to total assets | 35.7289% | 4,259 |
| Net loans and leases to deposits | 38.7880% | 4,304 |
| Net loans and leases to core deposits | 38.8663% | 4,354 |
| Total domestic deposits to total assets | 92.1134% | 794 |
| Equity capital to assets | 7.7449% | 3,308 |
| Core capital (leverage) ratio | 10.0605% | 2,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5556% | 502 |
| Memoranda: | ||
| Average total assets | $135,252,000 | 3,646 |
| Average earning assets | $129,230,000 | 3,607 |
| Average equity | $14,237,000 | 3,561 |
| Average total loans | $51,310,667 | 3,945 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6794% | 3,984 |
| Cost of funding earning assets | 0.0873% | 4,277 |
| Net interest margin | 2.5921% | 3,678 |
| Noninterest income to average assets | 0.4255% | 2,524 |
| Noninterest expense to average assets | 2.4340% | 2,060 |
| Loan and lease loss provision to assets | 2.8863% | 11 |
| Net operating income to assets | -2.4221% | 4,766 |
| Return on assets (ROA) | -2.4221% | 4,766 |
| Pretax return on assets | -2.4221% | 4,764 |
| Return on Equity (ROE) | -20.2815% | 4,771 |
| Retained earnings to average equity (ytd only) | -20.4061% | 4,702 |
| Net charge-offs to loans | 12.9098% | 4 |
| Credit loss provision to net charge-offs | 57.8069% | 1,176 |
| Earnings coverage of net charge-offs (x) | 0.0930% | 1,780 |
| Efficiency ratio | 83.9836% | 851 |
| Assets per employee ($millions) | 4.4793% | 4,149 |
| Cash dividends to net income (ytd only)* | -0.6143% | 4,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4661% | 296 |
| Loan loss allowance to noncurrent loans | 38.4496% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 2.5681% | 86 |
| Noncurrent loans to loans | 6.4140% | 39 |
| Net loans and leases to total assets | 36.4943% | 4,179 |
| Net loans and leases to deposits | 40.8083% | 4,221 |
| Net loans and leases to core deposits | 40.8948% | 4,282 |
| Total domestic deposits to total assets | 89.4285% | 1,857 |
| Equity capital to assets | 10.4271% | 1,621 |
| Core capital (leverage) ratio | 10.5092% | 1,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1238% | 379 |
| Memoranda: | ||
| Average total assets | $134,426,500 | 3,675 |
| Average earning assets | $128,236,500 | 3,632 |
| Average equity | $16,054,000 | 3,471 |
| Average total loans | $51,991,500 | 3,941 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1895% | 3,493 |
| Cost of funding earning assets | 0.1272% | 4,172 |
| Net interest margin | 3.0623% | 3,016 |
| Noninterest income to average assets | 0.1092% | 4,567 |
| Noninterest expense to average assets | 2.3546% | 2,642 |
| Loan and lease loss provision to assets | 0.3672% | 191 |
| Net operating income to assets | 0.2916% | 4,430 |
| Return on assets (ROA) | 0.3153% | 4,427 |
| Pretax return on assets | 0.3153% | 4,481 |
| Return on Equity (ROE) | 2.2830% | 4,469 |
| Retained earnings to average equity (ytd only) | 2.2830% | 3,895 |
| Net charge-offs to loans | -0.1236% | 4,625 |
| Credit loss provision to net charge-offs | -677.4648% | 3,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1353% | 937 |
| Assets per employee ($millions) | 4.8026% | 3,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6293% | 90 |
| Loan loss allowance to noncurrent loans | 140.6205% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 1.2077% | 409 |
| Noncurrent loans to loans | 2.5809% | 259 |
| Net loans and leases to total assets | 38.4858% | 4,158 |
| Net loans and leases to deposits | 44.5229% | 4,151 |
| Net loans and leases to core deposits | 44.6200% | 4,242 |
| Total domestic deposits to total assets | 86.4404% | 2,741 |
| Equity capital to assets | 13.4570% | 778 |
| Core capital (leverage) ratio | 11.8537% | 1,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5910% | 291 |
| Memoranda: | ||
| Average total assets | $130,979,400 | 3,671 |
| Average earning assets | $124,218,400 | 3,636 |
| Average equity | $18,090,600 | 3,373 |
| Average total loans | $57,444,800 | 3,861 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2292% | 3,549 |
| Cost of funding earning assets | 0.1396% | 4,193 |
| Net interest margin | 3.0895% | 3,082 |
| Noninterest income to average assets | -0.0328% | 4,899 |
| Noninterest expense to average assets | 2.3570% | 2,577 |
| Loan and lease loss provision to assets | 0.4619% | 132 |
| Net operating income to assets | 0.0728% | 4,712 |
| Return on assets (ROA) | 0.0769% | 4,725 |
| Pretax return on assets | 0.0769% | 4,726 |
| Return on Equity (ROE) | 0.5528% | 4,722 |
| Retained earnings to average equity (ytd only) | 0.5528% | 4,487 |
| Net charge-offs to loans | -0.1302% | 4,697 |
| Credit loss provision to net charge-offs | -791.2281% | 3,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5025% | 666 |
| Assets per employee ($millions) | 4.7571% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3493% | 116 |
| Loan loss allowance to noncurrent loans | 128.8227% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 1.6646% | 275 |
| Noncurrent loans to loans | 2.6000% | 278 |
| Net loans and leases to total assets | 42.7768% | 4,041 |
| Net loans and leases to deposits | 49.8969% | 4,013 |
| Net loans and leases to core deposits | 49.8969% | 4,145 |
| Total domestic deposits to total assets | 85.7304% | 2,857 |
| Equity capital to assets | 14.0890% | 718 |
| Core capital (leverage) ratio | 12.0430% | 1,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4744% | 400 |
| Memoranda: | ||
| Average total assets | $130,106,000 | 3,711 |
| Average earning assets | $123,166,000 | 3,685 |
| Average equity | $18,089,250 | 3,419 |
| Average total loans | $58,380,500 | 3,899 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1644% | 3,741 |
| Cost of funding earning assets | 0.1585% | 4,133 |
| Net interest margin | 3.0058% | 3,306 |
| Noninterest income to average assets | -0.2771% | 4,947 |
| Noninterest expense to average assets | 2.3909% | 2,491 |
| Loan and lease loss provision to assets | 0.5067% | 105 |
| Net operating income to assets | -0.3306% | 4,846 |
| Return on assets (ROA) | -0.3245% | 4,849 |
| Pretax return on assets | -0.3245% | 4,848 |
| Return on Equity (ROE) | -2.3442% | 4,848 |
| Retained earnings to average equity (ytd only) | -2.3442% | 4,687 |
| Net charge-offs to loans | 1.1649% | 64 |
| Credit loss provision to net charge-offs | 96.5015% | 1,407 |
| Earnings coverage of net charge-offs (x) | 0.3353% | 2,195 |
| Efficiency ratio | 93.1425% | 269 |
| Assets per employee ($millions) | 4.9602% | 3,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3359% | 340 |
| Loan loss allowance to noncurrent loans | 60.6751% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 2.2109% | 178 |
| Noncurrent loans to loans | 3.8499% | 148 |
| Net loans and leases to total assets | 43.2063% | 4,097 |
| Net loans and leases to deposits | 50.0017% | 4,114 |
| Net loans and leases to core deposits | 50.7770% | 4,198 |
| Total domestic deposits to total assets | 86.4096% | 2,588 |
| Equity capital to assets | 13.4180% | 838 |
| Core capital (leverage) ratio | 11.2301% | 1,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6745% | 448 |
| Memoranda: | ||
| Average total assets | $130,661,000 | 3,719 |
| Average earning assets | $123,626,000 | 3,693 |
| Average equity | $18,087,000 | 3,419 |
| Average total loans | $58,891,667 | 3,914 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1037% | 3,875 |
| Cost of funding earning assets | 0.1576% | 4,253 |
| Net interest margin | 2.9461% | 3,390 |
| Noninterest income to average assets | -0.8990% | 4,977 |
| Noninterest expense to average assets | 2.4708% | 2,262 |
| Loan and lease loss provision to assets | 0.4650% | 151 |
| Net operating income to assets | -1.0540% | 4,929 |
| Return on assets (ROA) | -1.0416% | 4,928 |
| Pretax return on assets | -1.0416% | 4,931 |
| Return on Equity (ROE) | -7.4068% | 4,920 |
| Retained earnings to average equity (ytd only) | -7.4068% | 4,758 |
| Net charge-offs to loans | -0.6472% | 4,901 |
| Credit loss provision to net charge-offs | -157.8947% | 2,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.3015% | 55 |
| Assets per employee ($millions) | 4.6553% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9117% | 160 |
| Loan loss allowance to noncurrent loans | 54.9749% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 3.0273% | 93 |
| Noncurrent loans to loans | 5.2964% | 70 |
| Net loans and leases to total assets | 41.9781% | 4,238 |
| Net loans and leases to deposits | 48.6837% | 4,234 |
| Net loans and leases to core deposits | 49.4613% | 4,326 |
| Total domestic deposits to total assets | 86.2262% | 2,659 |
| Equity capital to assets | 13.6096% | 768 |
| Core capital (leverage) ratio | 11.7039% | 1,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6970% | 331 |
| Memoranda: | ||
| Average total assets | $129,029,000 | 3,749 |
| Average earning assets | $121,790,000 | 3,722 |
| Average equity | $18,145,500 | 3,410 |
| Average total loans | $58,713,500 | 3,930 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8698% | 3,113 |
| Cost of funding earning assets | 0.1853% | 4,630 |
| Net interest margin | 3.6846% | 1,855 |
| Noninterest income to average assets | 0.3242% | 3,521 |
| Noninterest expense to average assets | 2.8342% | 1,851 |
| Loan and lease loss provision to assets | 0.7037% | 225 |
| Net operating income to assets | 0.2446% | 4,505 |
| Return on assets (ROA) | 0.2600% | 4,553 |
| Pretax return on assets | 0.2600% | 4,593 |
| Return on Equity (ROE) | 1.7611% | 4,588 |
| Retained earnings to average equity (ytd only) | 1.7611% | 3,920 |
| Net charge-offs to loans | 1.3798% | 80 |
| Credit loss provision to net charge-offs | 99.6548% | 2,849 |
| Earnings coverage of net charge-offs (x) | 1.3429% | 3,263 |
| Efficiency ratio | 74.9302% | 1,343 |
| Assets per employee ($millions) | 4.4038% | 4,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2860% | 360 |
| Loan loss allowance to noncurrent loans | 39.3683% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 3.8705% | 68 |
| Noncurrent loans to loans | 5.8066% | 57 |
| Net loans and leases to total assets | 46.7250% | 4,075 |
| Net loans and leases to deposits | 54.7374% | 4,081 |
| Net loans and leases to core deposits | 55.6393% | 4,168 |
| Total domestic deposits to total assets | 85.3620% | 2,628 |
| Equity capital to assets | 14.5260% | 673 |
| Core capital (leverage) ratio | 12.0778% | 1,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8644% | 359 |
| Memoranda: | ||
| Average total assets | $123,070,400 | 3,711 |
| Average earning assets | $115,508,400 | 3,683 |
| Average equity | $18,170,800 | 3,349 |
| Average total loans | $62,980,600 | 3,866 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9352% | 3,154 |
| Cost of funding earning assets | 0.1913% | 4,700 |
| Net interest margin | 3.7439% | 1,785 |
| Noninterest income to average assets | 0.2811% | 3,804 |
| Noninterest expense to average assets | 2.8753% | 1,757 |
| Loan and lease loss provision to assets | 0.7218% | 282 |
| Net operating income to assets | 0.1947% | 4,604 |
| Return on assets (ROA) | 0.2155% | 4,609 |
| Pretax return on assets | 0.2155% | 4,644 |
| Return on Equity (ROE) | 1.4531% | 4,631 |
| Retained earnings to average equity (ytd only) | 1.4531% | 4,098 |
| Net charge-offs to loans | 1.1262% | 119 |
| Credit loss provision to net charge-offs | 123.1343% | 2,484 |
| Earnings coverage of net charge-offs (x) | 1.5634% | 3,064 |
| Efficiency ratio | 75.8292% | 1,221 |
| Assets per employee ($millions) | 3.7540% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3813% | 270 |
| Loan loss allowance to noncurrent loans | 32.8374% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 5.3144% | 50 |
| Noncurrent loans to loans | 7.2516% | 54 |
| Net loans and leases to total assets | 55.4391% | 3,666 |
| Net loans and leases to deposits | 66.4442% | 3,581 |
| Net loans and leases to core deposits | 67.7177% | 3,769 |
| Total domestic deposits to total assets | 83.4371% | 3,014 |
| Equity capital to assets | 16.3560% | 427 |
| Core capital (leverage) ratio | 13.0641% | 933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5796% | 428 |
| Memoranda: | ||
| Average total assets | $121,910,750 | 3,713 |
| Average earning assets | $114,316,500 | 3,690 |
| Average equity | $18,075,750 | 3,360 |
| Average total loans | $63,458,750 | 3,874 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8588% | 3,722 |
| Cost of funding earning assets | 0.1909% | 4,784 |
| Net interest margin | 3.6680% | 2,272 |
| Noninterest income to average assets | 0.4720% | 2,701 |
| Noninterest expense to average assets | 2.9054% | 1,815 |
| Loan and lease loss provision to assets | 0.7200% | 376 |
| Net operating income to assets | 0.2896% | 4,440 |
| Return on assets (ROA) | 0.3200% | 4,434 |
| Pretax return on assets | 0.3200% | 4,513 |
| Return on Equity (ROE) | 2.2270% | 4,490 |
| Retained earnings to average equity (ytd only) | 2.2270% | 3,672 |
| Net charge-offs to loans | 0.1675% | 889 |
| Credit loss provision to net charge-offs | 849.0566% | 880 |
| Earnings coverage of net charge-offs (x) | 11.9057% | 2,084 |
| Efficiency ratio | 74.2133% | 1,440 |
| Assets per employee ($millions) | 4.4587% | 3,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7472% | 174 |
| Loan loss allowance to noncurrent loans | 32.1921% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 5.2822% | 50 |
| Noncurrent loans to loans | 8.5337% | 36 |
| Net loans and leases to total assets | 49.1717% | 4,198 |
| Net loans and leases to deposits | 57.4350% | 4,248 |
| Net loans and leases to core deposits | 58.3528% | 4,340 |
| Total domestic deposits to total assets | 85.6128% | 2,157 |
| Equity capital to assets | 14.1962% | 813 |
| Core capital (leverage) ratio | 11.7035% | 1,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0772% | 445 |
| Memoranda: | ||
| Average total assets | $125,008,000 | 3,665 |
| Average earning assets | $117,340,667 | 3,631 |
| Average equity | $17,961,000 | 3,366 |
| Average total loans | $63,292,333 | 3,892 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0127% | 3,752 |
| Cost of funding earning assets | 0.1942% | 4,904 |
| Net interest margin | 3.8185% | 1,906 |
| Noninterest income to average assets | 0.5079% | 2,510 |
| Noninterest expense to average assets | 2.8553% | 2,254 |
| Loan and lease loss provision to assets | 0.7325% | 354 |
| Net operating income to assets | 0.5046% | 3,880 |
| Return on assets (ROA) | 0.5046% | 3,940 |
| Pretax return on assets | 0.5046% | 4,113 |
| Return on Equity (ROE) | 3.4903% | 4,096 |
| Retained earnings to average equity (ytd only) | 3.4903% | 2,894 |
| Net charge-offs to loans | -0.0707% | 4,732 |
| Credit loss provision to net charge-offs | -2,045.4545% | 3,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7693% | 2,392 |
| Assets per employee ($millions) | 4.3400% | 3,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6371% | 206 |
| Loan loss allowance to noncurrent loans | 27.1730% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 5.9415% | 47 |
| Noncurrent loans to loans | 9.7050% | 30 |
| Net loans and leases to total assets | 47.9612% | 4,338 |
| Net loans and leases to deposits | 56.0748% | 4,364 |
| Net loans and leases to core deposits | 56.9966% | 4,461 |
| Total domestic deposits to total assets | 85.5307% | 2,200 |
| Equity capital to assets | 14.2857% | 969 |
| Core capital (leverage) ratio | 12.3907% | 1,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0522% | 492 |
| Memoranda: | ||
| Average total assets | $122,861,000 | 3,665 |
| Average earning assets | $115,333,000 | 3,629 |
| Average equity | $17,763,500 | 3,395 |
| Average total loans | $62,250,500 | 3,918 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1055% | 4,026 |
| Cost of funding earning assets | 0.2091% | 4,943 |
| Net interest margin | 3.8965% | 2,183 |
| Noninterest income to average assets | 0.5604% | 2,419 |
| Noninterest expense to average assets | 2.6339% | 3,083 |
| Loan and lease loss provision to assets | 0.9613% | 99 |
| Net operating income to assets | 0.6131% | 4,118 |
| Return on assets (ROA) | 0.6131% | 4,180 |
| Pretax return on assets | 0.6131% | 4,391 |
| Return on Equity (ROE) | 4.6049% | 4,321 |
| Retained earnings to average equity (ytd only) | 4.6049% | 2,646 |
| Net charge-offs to loans | 2.9785% | 36 |
| Credit loss provision to net charge-offs | 64.5042% | 2,981 |
| Earnings coverage of net charge-offs (x) | 1.0564% | 3,571 |
| Efficiency ratio | 62.5887% | 3,278 |
| Assets per employee ($millions) | 4.1332% | 3,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2383% | 317 |
| Loan loss allowance to noncurrent loans | 23.0896% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 6.2739% | 34 |
| Noncurrent loans to loans | 9.6941% | 26 |
| Net loans and leases to total assets | 50.9778% | 4,286 |
| Net loans and leases to deposits | 59.8216% | 4,300 |
| Net loans and leases to core deposits | 60.8590% | 4,404 |
| Total domestic deposits to total assets | 85.2163% | 2,414 |
| Equity capital to assets | 14.6393% | 890 |
| Core capital (leverage) ratio | 11.8268% | 1,879 |
| Tier 1 risk-based capital ratio | 22.2678% | 996 |
| Total risk-based capital ratio | 23.5286% | 968 |
| Memoranda: | ||
| Average total assets | $127,225,200 | 3,599 |
| Average earning assets | $119,107,800 | 3,568 |
| Average equity | $16,938,600 | 3,442 |
| Average total loans | $63,655,800 | 3,916 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0068% | 4,351 |
| Cost of funding earning assets | 0.2131% | 5,012 |
| Net interest margin | 3.7937% | 2,623 |
| Noninterest income to average assets | 0.6167% | 2,121 |
| Noninterest expense to average assets | 2.6053% | 3,157 |
| Loan and lease loss provision to assets | 1.0372% | 87 |
| Net operating income to assets | 0.5237% | 4,462 |
| Return on assets (ROA) | 0.5237% | 4,512 |
| Pretax return on assets | 0.5237% | 4,663 |
| Return on Equity (ROE) | 4.0269% | 4,586 |
| Retained earnings to average equity (ytd only) | 4.0269% | 3,384 |
| Net charge-offs to loans | 1.2427% | 115 |
| Credit loss provision to net charge-offs | 168.4564% | 1,499 |
| Earnings coverage of net charge-offs (x) | 2.5352% | 3,188 |
| Efficiency ratio | 62.5341% | 3,242 |
| Assets per employee ($millions) | 4.0957% | 3,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7850% | 76 |
| Loan loss allowance to noncurrent loans | 34.4110% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 7.6591% | 27 |
| Noncurrent loans to loans | 10.9995% | 21 |
| Net loans and leases to total assets | 53.0764% | 4,249 |
| Net loans and leases to deposits | 62.3606% | 4,268 |
| Net loans and leases to core deposits | 63.4534% | 4,402 |
| Total domestic deposits to total assets | 85.1121% | 2,382 |
| Equity capital to assets | 14.6968% | 927 |
| Core capital (leverage) ratio | 12.6515% | 1,504 |
| Tier 1 risk-based capital ratio | 20.7593% | 1,220 |
| Total risk-based capital ratio | 22.0366% | 1,192 |
| Memoranda: | ||
| Average total assets | $129,066,000 | 3,616 |
| Average earning assets | $120,757,500 | 3,595 |
| Average equity | $16,786,500 | 3,481 |
| Average total loans | $63,944,250 | 3,951 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8932% | 4,566 |
| Cost of funding earning assets | 0.2209% | 5,029 |
| Net interest margin | 3.6723% | 3,020 |
| Noninterest income to average assets | 0.6430% | 1,954 |
| Noninterest expense to average assets | 2.5299% | 3,389 |
| Loan and lease loss provision to assets | 1.2046% | 74 |
| Net operating income to assets | 0.3472% | 4,809 |
| Return on assets (ROA) | 0.3472% | 4,826 |
| Pretax return on assets | 0.3472% | 4,890 |
| Return on Equity (ROE) | 2.7772% | 4,831 |
| Retained earnings to average equity (ytd only) | 2.7772% | 3,819 |
| Net charge-offs to loans | 1.8480% | 60 |
| Credit loss provision to net charge-offs | 136.1775% | 1,609 |
| Earnings coverage of net charge-offs (x) | 1.7543% | 2,996 |
| Efficiency ratio | 61.9822% | 3,436 |
| Assets per employee ($millions) | 4.3474% | 3,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5896% | 79 |
| Loan loss allowance to noncurrent loans | 33.6923% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 6.7095% | 44 |
| Noncurrent loans to loans | 10.6539% | 25 |
| Net loans and leases to total assets | 48.6575% | 4,539 |
| Net loans and leases to deposits | 56.3926% | 4,577 |
| Net loans and leases to core deposits | 57.8961% | 4,649 |
| Total domestic deposits to total assets | 86.2836% | 1,903 |
| Equity capital to assets | 13.5427% | 1,300 |
| Core capital (leverage) ratio | 11.8068% | 1,942 |
| Tier 1 risk-based capital ratio | 20.9581% | 1,182 |
| Total risk-based capital ratio | 22.2346% | 1,162 |
| Memoranda: | ||
| Average total assets | $132,496,670 | 3,591 |
| Average earning assets | $124,063,670 | 3,557 |
| Average equity | $16,563,330 | 3,511 |
| Average total loans | $63,418,670 | 3,987 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0806% | 4,179 |
| Cost of funding earning assets | 0.2201% | 5,067 |
| Net interest margin | 3.8605% | 2,312 |
| Noninterest income to average assets | 0.4569% | 2,814 |
| Noninterest expense to average assets | 2.5643% | 3,318 |
| Loan and lease loss provision to assets | 1.1554% | 73 |
| Net operating income to assets | 0.3566% | 4,817 |
| Return on assets (ROA) | 0.3566% | 4,824 |
| Pretax return on assets | 0.3566% | 4,892 |
| Return on Equity (ROE) | 2.9679% | 4,790 |
| Retained earnings to average equity (ytd only) | 2.9679% | 3,744 |
| Net charge-offs to loans | 3.1589% | 31 |
| Credit loss provision to net charge-offs | 78.4000% | 1,796 |
| Earnings coverage of net charge-offs (x) | 1.0260% | 2,631 |
| Efficiency ratio | 62.9067% | 3,393 |
| Assets per employee ($millions) | 4.4884% | 3,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2995% | 100 |
| Loan loss allowance to noncurrent loans | 34.0204% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 6.7612% | 38 |
| Noncurrent loans to loans | 9.6986% | 29 |
| Net loans and leases to total assets | 42.7475% | 4,799 |
| Net loans and leases to deposits | 48.8364% | 4,858 |
| Net loans and leases to core deposits | 50.6360% | 4,873 |
| Total domestic deposits to total assets | 87.5322% | 1,557 |
| Equity capital to assets | 12.3163% | 1,838 |
| Core capital (leverage) ratio | 10.8543% | 2,717 |
| Tier 1 risk-based capital ratio | 22.0163% | 1,050 |
| Total risk-based capital ratio | 23.2884% | 1,023 |
| Memoranda: | ||
| Average total assets | $135,707,500 | 3,583 |
| Average earning assets | $127,236,500 | 3,556 |
| Average equity | $16,308,000 | 3,552 |
| Average total loans | $63,313,500 | 4,023 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9043% | 4,267 |
| Cost of funding earning assets | 0.2427% | 4,834 |
| Net interest margin | 3.6615% | 3,187 |
| Noninterest income to average assets | 0.5171% | 2,734 |
| Noninterest expense to average assets | 2.5980% | 3,338 |
| Loan and lease loss provision to assets | 0.8102% | 121 |
| Net operating income to assets | 0.5578% | 4,528 |
| Return on assets (ROA) | 0.4964% | 4,671 |
| Pretax return on assets | 0.4964% | 4,803 |
| Return on Equity (ROE) | 4.1682% | 4,669 |
| Retained earnings to average equity (ytd only) | 4.1682% | 3,263 |
| Net charge-offs to loans | 1.3511% | 88 |
| Credit loss provision to net charge-offs | 104.1420% | 2,441 |
| Earnings coverage of net charge-offs (x) | 1.7584% | 3,594 |
| Efficiency ratio | 65.5059% | 2,951 |
| Assets per employee ($millions) | 4.8844% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0878% | 120 |
| Loan loss allowance to noncurrent loans | 25.9844% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 7.0026% | 37 |
| Noncurrent loans to loans | 11.8832% | 15 |
| Net loans and leases to total assets | 47.5498% | 4,669 |
| Net loans and leases to deposits | 53.9381% | 4,752 |
| Net loans and leases to core deposits | 56.5398% | 4,762 |
| Total domestic deposits to total assets | 88.1562% | 1,234 |
| Equity capital to assets | 11.7224% | 2,080 |
| Core capital (leverage) ratio | 10.7466% | 2,793 |
| Tier 1 risk-based capital ratio | 19.9997% | 1,307 |
| Total risk-based capital ratio | 21.2705% | 1,275 |
| Memoranda: | ||
| Average total assets | $130,331,600 | 3,645 |
| Average earning assets | $122,763,200 | 3,602 |
| Average equity | $15,522,400 | 3,574 |
| Average total loans | $75,049,600 | 3,771 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8354% | 4,355 |
| Cost of funding earning assets | 0.2416% | 4,837 |
| Net interest margin | 3.5938% | 3,389 |
| Noninterest income to average assets | 0.5579% | 2,531 |
| Noninterest expense to average assets | 2.6403% | 3,156 |
| Loan and lease loss provision to assets | 0.6272% | 164 |
| Net operating income to assets | 0.6779% | 4,295 |
| Return on assets (ROA) | 0.6748% | 4,317 |
| Pretax return on assets | 0.6748% | 4,593 |
| Return on Equity (ROE) | 5.6108% | 4,383 |
| Retained earnings to average equity (ytd only) | 5.6108% | 2,881 |
| Net charge-offs to loans | 0.9745% | 142 |
| Credit loss provision to net charge-offs | 107.2566% | 2,148 |
| Earnings coverage of net charge-offs (x) | 2.2319% | 3,266 |
| Efficiency ratio | 66.9203% | 2,724 |
| Assets per employee ($millions) | 4.2189% | 3,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7202% | 188 |
| Loan loss allowance to noncurrent loans | 20.8329% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 8.8672% | 28 |
| Noncurrent loans to loans | 13.0574% | 14 |
| Net loans and leases to total assets | 58.5160% | 3,984 |
| Net loans and leases to deposits | 66.9136% | 4,135 |
| Net loans and leases to core deposits | 70.4447% | 4,163 |
| Total domestic deposits to total assets | 87.4501% | 1,516 |
| Equity capital to assets | 12.3642% | 1,669 |
| Core capital (leverage) ratio | 11.4001% | 2,244 |
| Tier 1 risk-based capital ratio | 17.3221% | 1,991 |
| Total risk-based capital ratio | 18.5875% | 1,936 |
| Memoranda: | ||
| Average total assets | $128,822,000 | 3,698 |
| Average earning assets | $121,427,000 | 3,659 |
| Average equity | $15,493,500 | 3,599 |
| Average total loans | $77,304,250 | 3,751 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8163% | 4,307 |
| Cost of funding earning assets | 0.2308% | 4,847 |
| Net interest margin | 3.5855% | 3,369 |
| Noninterest income to average assets | 0.5016% | 2,856 |
| Noninterest expense to average assets | 2.6564% | 3,145 |
| Loan and lease loss provision to assets | 0.7038% | 143 |
| Net operating income to assets | 0.5217% | 4,697 |
| Return on assets (ROA) | 0.5186% | 4,709 |
| Pretax return on assets | 0.5186% | 4,869 |
| Return on Equity (ROE) | 4.3519% | 4,731 |
| Retained earnings to average equity (ytd only) | 4.3519% | 3,425 |
| Net charge-offs to loans | 1.4184% | 88 |
| Credit loss provision to net charge-offs | 82.7586% | 2,231 |
| Earnings coverage of net charge-offs (x) | 1.4410% | 3,063 |
| Efficiency ratio | 68.4294% | 2,573 |
| Assets per employee ($millions) | 4.1325% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3201% | 306 |
| Loan loss allowance to noncurrent loans | 19.5080% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 9.0390% | 29 |
| Noncurrent loans to loans | 11.8931% | 21 |
| Net loans and leases to total assets | 65.7122% | 3,187 |
| Net loans and leases to deposits | 75.2559% | 3,419 |
| Net loans and leases to core deposits | 79.6999% | 3,444 |
| Total domestic deposits to total assets | 87.3183% | 1,716 |
| Equity capital to assets | 12.5018% | 1,530 |
| Core capital (leverage) ratio | 11.2550% | 2,297 |
| Tier 1 risk-based capital ratio | 15.9265% | 2,465 |
| Total risk-based capital ratio | 17.1886% | 2,398 |
| Memoranda: | ||
| Average total assets | $129,573,670 | 3,711 |
| Average earning assets | $122,159,000 | 3,665 |
| Average equity | $15,441,670 | 3,621 |
| Average total loans | $77,694,670 | 3,756 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6735% | 4,530 |
| Cost of funding earning assets | 0.2274% | 4,849 |
| Net interest margin | 3.4461% | 3,720 |
| Noninterest income to average assets | 0.4593% | 3,058 |
| Noninterest expense to average assets | 2.6863% | 3,078 |
| Loan and lease loss provision to assets | 0.4533% | 238 |
| Net operating income to assets | 0.5711% | 4,511 |
| Return on assets (ROA) | 0.5711% | 4,515 |
| Pretax return on assets | 0.5711% | 4,747 |
| Return on Equity (ROE) | 4.9050% | 4,529 |
| Retained earnings to average equity (ytd only) | 4.9050% | 3,225 |
| Net charge-offs to loans | 0.2084% | 713 |
| Credit loss provision to net charge-offs | 384.6154% | 706 |
| Earnings coverage of net charge-offs (x) | 8.6923% | 2,015 |
| Efficiency ratio | 72.3941% | 2,137 |
| Assets per employee ($millions) | 4.6281% | 2,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7280% | 204 |
| Loan loss allowance to noncurrent loans | 23.3428% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 7.7927% | 38 |
| Noncurrent loans to loans | 11.6869% | 17 |
| Net loans and leases to total assets | 56.8785% | 4,036 |
| Net loans and leases to deposits | 64.3383% | 4,197 |
| Net loans and leases to core deposits | 67.5791% | 4,237 |
| Total domestic deposits to total assets | 88.4053% | 1,405 |
| Equity capital to assets | 11.4495% | 2,173 |
| Core capital (leverage) ratio | 10.2054% | 3,295 |
| Tier 1 risk-based capital ratio | 17.0506% | 2,102 |
| Total risk-based capital ratio | 18.3173% | 2,051 |
| Memoranda: | ||
| Average total assets | $132,374,000 | 3,706 |
| Average earning assets | $124,896,000 | 3,664 |
| Average equity | $15,413,000 | 3,656 |
| Average total loans | $74,841,500 | 3,869 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4702% | 4,833 |
| Cost of funding earning assets | 0.2229% | 4,767 |
| Net interest margin | 3.2473% | 4,316 |
| Noninterest income to average assets | 0.4613% | 3,238 |
| Noninterest expense to average assets | 2.3019% | 4,323 |
| Loan and lease loss provision to assets | 2.2905% | 32 |
| Net operating income to assets | -1.0798% | 5,596 |
| Return on assets (ROA) | -1.0730% | 5,596 |
| Pretax return on assets | -1.0730% | 5,604 |
| Return on Equity (ROE) | -8.9625% | 5,586 |
| Retained earnings to average equity (ytd only) | -8.9625% | 5,516 |
| Net charge-offs to loans | 2.7960% | 49 |
| Credit loss provision to net charge-offs | 136.1960% | 1,942 |
| Earnings coverage of net charge-offs (x) | 0.7199% | 3,972 |
| Efficiency ratio | 60.1292% | 4,245 |
| Assets per employee ($millions) | 4.6619% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8510% | 169 |
| Loan loss allowance to noncurrent loans | 22.2808% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 7.9666% | 37 |
| Noncurrent loans to loans | 12.7960% | 13 |
| Net loans and leases to total assets | 52.9924% | 4,442 |
| Net loans and leases to deposits | 60.1967% | 4,553 |
| Net loans and leases to core deposits | 63.5369% | 4,567 |
| Total domestic deposits to total assets | 88.0321% | 1,482 |
| Equity capital to assets | 11.8431% | 1,947 |
| Core capital (leverage) ratio | 10.4251% | 2,938 |
| Tier 1 risk-based capital ratio | 19.4883% | 1,413 |
| Total risk-based capital ratio | 20.7588% | 1,386 |
| Memoranda: | ||
| Average total assets | $132,241,400 | 3,714 |
| Average earning assets | $124,257,400 | 3,680 |
| Average equity | $15,832,600 | 3,618 |
| Average total loans | $79,541,200 | 3,757 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3303% | 5,067 |
| Cost of funding earning assets | 0.2191% | 4,819 |
| Net interest margin | 3.1112% | 4,683 |
| Noninterest income to average assets | 0.5118% | 2,960 |
| Noninterest expense to average assets | 2.2359% | 4,454 |
| Loan and lease loss provision to assets | 2.2520% | 34 |
| Net operating income to assets | -1.0547% | 5,672 |
| Return on assets (ROA) | -1.0487% | 5,671 |
| Pretax return on assets | -1.0487% | 5,662 |
| Return on Equity (ROE) | -8.6454% | 5,663 |
| Retained earnings to average equity (ytd only) | -8.6454% | 5,601 |
| Net charge-offs to loans | 2.7667% | 49 |
| Credit loss provision to net charge-offs | 132.2334% | 1,867 |
| Earnings coverage of net charge-offs (x) | 0.7030% | 3,641 |
| Efficiency ratio | 59.6317% | 4,275 |
| Assets per employee ($millions) | 4.4419% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1367% | 451 |
| Loan loss allowance to noncurrent loans | 16.5237% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 9.6895% | 27 |
| Noncurrent loans to loans | 12.9314% | 12 |
| Net loans and leases to total assets | 65.2542% | 3,212 |
| Net loans and leases to deposits | 75.0629% | 3,464 |
| Net loans and leases to core deposits | 80.3767% | 3,420 |
| Total domestic deposits to total assets | 86.9328% | 1,891 |
| Equity capital to assets | 12.9265% | 1,428 |
| Core capital (leverage) ratio | 11.3522% | 2,140 |
| Tier 1 risk-based capital ratio | 16.8159% | 2,214 |
| Total risk-based capital ratio | 18.0773% | 2,167 |
| Memoranda: | ||
| Average total assets | $132,858,750 | 3,740 |
| Average earning assets | $124,750,250 | 3,700 |
| Average equity | $16,116,000 | 3,612 |
| Average total loans | $81,780,000 | 3,733 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2525% | 5,177 |
| Cost of funding earning assets | 0.2118% | 4,871 |
| Net interest margin | 3.0407% | 4,815 |
| Noninterest income to average assets | 0.4805% | 3,144 |
| Noninterest expense to average assets | 2.1653% | 4,638 |
| Loan and lease loss provision to assets | 2.8005% | 27 |
| Net operating income to assets | -1.6287% | 5,755 |
| Return on assets (ROA) | -1.6273% | 5,754 |
| Pretax return on assets | -1.6273% | 5,750 |
| Return on Equity (ROE) | -13.6896% | 5,738 |
| Retained earnings to average equity (ytd only) | -13.6896% | 5,694 |
| Net charge-offs to loans | 3.3294% | 40 |
| Credit loss provision to net charge-offs | 140.2214% | 1,594 |
| Earnings coverage of net charge-offs (x) | 0.5867% | 3,364 |
| Efficiency ratio | 59.3640% | 4,413 |
| Assets per employee ($millions) | 4.6601% | 2,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1418% | 470 |
| Loan loss allowance to noncurrent loans | 17.3819% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 8.8210% | 34 |
| Noncurrent loans to loans | 12.3220% | 15 |
| Net loans and leases to total assets | 61.9777% | 3,634 |
| Net loans and leases to deposits | 70.7849% | 3,849 |
| Net loans and leases to core deposits | 75.4950% | 3,816 |
| Total domestic deposits to total assets | 87.5579% | 1,687 |
| Equity capital to assets | 12.3172% | 1,719 |
| Core capital (leverage) ratio | 10.6124% | 2,796 |
| Tier 1 risk-based capital ratio | 16.3063% | 2,394 |
| Total risk-based capital ratio | 17.5670% | 2,332 |
| Memoranda: | ||
| Average total assets | $135,687,670 | 3,729 |
| Average earning assets | $127,470,670 | 3,680 |
| Average equity | $16,129,000 | 3,625 |
| Average total loans | $81,396,670 | 3,756 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6595% | 4,239 |
| Cost of funding earning assets | 0.2052% | 4,928 |
| Net interest margin | 3.4543% | 3,432 |
| Noninterest income to average assets | 0.4595% | 3,257 |
| Noninterest expense to average assets | 2.1480% | 4,757 |
| Loan and lease loss provision to assets | 0.2154% | 746 |
| Net operating income to assets | 1.3353% | 1,152 |
| Return on assets (ROA) | 1.3353% | 1,187 |
| Pretax return on assets | 1.3353% | 2,119 |
| Return on Equity (ROE) | 10.8385% | 1,622 |
| Retained earnings to average equity (ytd only) | 10.8385% | 635 |
| Net charge-offs to loans | -0.0443% | 5,129 |
| Credit loss provision to net charge-offs | -833.3333% | 4,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1832% | 5,189 |
| Assets per employee ($millions) | 5.3340% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6004% | 1,380 |
| Loan loss allowance to noncurrent loans | 38.5000% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 3.2552% | 283 |
| Noncurrent loans to loans | 4.1568% | 243 |
| Net loans and leases to total assets | 55.8858% | 4,185 |
| Net loans and leases to deposits | 63.6799% | 4,326 |
| Net loans and leases to core deposits | 67.2013% | 4,337 |
| Total domestic deposits to total assets | 87.7605% | 1,856 |
| Equity capital to assets | 12.1125% | 1,764 |
| Core capital (leverage) ratio | 10.7756% | 2,620 |
| Tier 1 risk-based capital ratio | 18.1667% | 1,813 |
| Total risk-based capital ratio | 19.4204% | 1,784 |
| Memoranda: | ||
| Average total assets | $139,293,000 | 3,705 |
| Average earning assets | $130,619,500 | 3,673 |
| Average equity | $17,161,000 | 3,527 |
| Average total loans | $81,309,500 | 3,788 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2483% | 2,319 |
| Cost of funding earning assets | 0.2295% | 4,742 |
| Net interest margin | 4.0188% | 1,581 |
| Noninterest income to average assets | 0.5817% | 2,753 |
| Noninterest expense to average assets | 2.3814% | 4,346 |
| Loan and lease loss provision to assets | 0.6121% | 212 |
| Net operating income to assets | 1.3435% | 1,108 |
| Return on assets (ROA) | 1.3435% | 1,168 |
| Pretax return on assets | 1.3435% | 2,123 |
| Return on Equity (ROE) | 10.4531% | 1,785 |
| Retained earnings to average equity (ytd only) | 6.5073% | 1,455 |
| Net charge-offs to loans | 1.7307% | 82 |
| Credit loss provision to net charge-offs | 56.3331% | 3,299 |
| Earnings coverage of net charge-offs (x) | 1.7999% | 3,938 |
| Efficiency ratio | 50.5084% | 5,465 |
| Assets per employee ($millions) | 4.8060% | 2,642 |
| Cash dividends to net income (ytd only)* | 37.7476% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5156% | 1,613 |
| Loan loss allowance to noncurrent loans | 43.0126% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 3.0921% | 315 |
| Noncurrent loans to loans | 3.5237% | 339 |
| Net loans and leases to total assets | 59.1518% | 3,943 |
| Net loans and leases to deposits | 67.7003% | 4,109 |
| Net loans and leases to core deposits | 71.7233% | 4,097 |
| Total domestic deposits to total assets | 87.3730% | 1,943 |
| Equity capital to assets | 12.5423% | 1,497 |
| Core capital (leverage) ratio | 11.2213% | 2,150 |
| Tier 1 risk-based capital ratio | 17.6607% | 1,960 |
| Total risk-based capital ratio | 18.9139% | 1,922 |
| Memoranda: | ||
| Average total assets | $131,521,800 | 3,806 |
| Average earning assets | $122,896,400 | 3,775 |
| Average equity | $16,904,000 | 3,563 |
| Average total loans | $82,566,600 | 3,752 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2519% | 2,329 |
| Cost of funding earning assets | 0.2292% | 4,792 |
| Net interest margin | 4.0227% | 1,592 |
| Noninterest income to average assets | 0.6393% | 2,481 |
| Noninterest expense to average assets | 2.4319% | 4,189 |
| Loan and lease loss provision to assets | 0.0153% | 3,939 |
| Net operating income to assets | 1.9496% | 369 |
| Return on assets (ROA) | 1.9496% | 391 |
| Pretax return on assets | 1.9496% | 638 |
| Return on Equity (ROE) | 15.0751% | 657 |
| Retained earnings to average equity (ytd only) | 9.8161% | 612 |
| Net charge-offs to loans | 1.0763% | 151 |
| Credit loss provision to net charge-offs | 2.2388% | 3,403 |
| Earnings coverage of net charge-offs (x) | 2.8761% | 3,501 |
| Efficiency ratio | 50.9508% | 5,443 |
| Assets per employee ($millions) | 4.4424% | 3,173 |
| Cash dividends to net income (ytd only)* | 34.8849% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 2,206 |
| Loan loss allowance to noncurrent loans | 42.8725% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 3.2492% | 331 |
| Noncurrent loans to loans | 3.2628% | 425 |
| Net loans and leases to total assets | 65.3280% | 3,232 |
| Net loans and leases to deposits | 75.7868% | 3,422 |
| Net loans and leases to core deposits | 80.7433% | 3,376 |
| Total domestic deposits to total assets | 86.1996% | 2,260 |
| Equity capital to assets | 13.6288% | 1,186 |
| Core capital (leverage) ratio | 11.6098% | 1,948 |
| Tier 1 risk-based capital ratio | 16.7941% | 2,302 |
| Total risk-based capital ratio | 18.0454% | 2,256 |
| Memoranda: | ||
| Average total assets | $130,760,000 | 3,837 |
| Average earning assets | $122,138,000 | 3,815 |
| Average equity | $16,910,500 | 3,596 |
| Average total loans | $83,002,000 | 3,757 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2448% | 2,348 |
| Cost of funding earning assets | 0.2218% | 4,919 |
| Net interest margin | 4.0230% | 1,572 |
| Noninterest income to average assets | 0.6758% | 2,249 |
| Noninterest expense to average assets | 2.4489% | 4,185 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.9817% | 341 |
| Return on assets (ROA) | 1.9817% | 358 |
| Pretax return on assets | 1.9817% | 587 |
| Return on Equity (ROE) | 15.5978% | 595 |
| Retained earnings to average equity (ytd only) | 7.6072% | 1,335 |
| Net charge-offs to loans | -0.0487% | 5,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9447% | 5,504 |
| Assets per employee ($millions) | 4.2551% | 3,458 |
| Cash dividends to net income (ytd only)* | 51.2289% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0807% | 634 |
| Loan loss allowance to noncurrent loans | 74.1372% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 3.1570% | 375 |
| Noncurrent loans to loans | 2.8065% | 560 |
| Net loans and leases to total assets | 68.9040% | 2,650 |
| Net loans and leases to deposits | 79.6476% | 2,975 |
| Net loans and leases to core deposits | 84.4654% | 3,038 |
| Total domestic deposits to total assets | 86.5111% | 2,165 |
| Equity capital to assets | 13.3221% | 1,319 |
| Core capital (leverage) ratio | 11.1089% | 2,320 |
| Tier 1 risk-based capital ratio | 15.3682% | 2,920 |
| Total risk-based capital ratio | 16.6283% | 2,845 |
| Memoranda: | ||
| Average total assets | $131,403,330 | 3,852 |
| Average earning assets | $122,645,330 | 3,832 |
| Average equity | $16,694,670 | 3,629 |
| Average total loans | $82,217,330 | 3,790 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0652% | 2,985 |
| Cost of funding earning assets | 0.2151% | 5,055 |
| Net interest margin | 3.8500% | 2,104 |
| Noninterest income to average assets | 0.6633% | 2,203 |
| Noninterest expense to average assets | 2.3680% | 4,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8938% | 402 |
| Return on assets (ROA) | 1.8938% | 429 |
| Pretax return on assets | 1.8938% | 702 |
| Return on Equity (ROE) | 15.2609% | 629 |
| Retained earnings to average equity (ytd only) | 15.2609% | 231 |
| Net charge-offs to loans | -0.0459% | 5,284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1268% | 5,559 |
| Assets per employee ($millions) | 4.4819% | 3,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3508% | 474 |
| Loan loss allowance to noncurrent loans | 74.7085% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 3.0010% | 417 |
| Noncurrent loans to loans | 3.1467% | 496 |
| Net loans and leases to total assets | 57.3998% | 4,103 |
| Net loans and leases to deposits | 65.7483% | 4,279 |
| Net loans and leases to core deposits | 69.4765% | 4,276 |
| Total domestic deposits to total assets | 87.3023% | 2,051 |
| Equity capital to assets | 12.5691% | 1,640 |
| Core capital (leverage) ratio | 10.8787% | 2,541 |
| Tier 1 risk-based capital ratio | 17.6073% | 2,095 |
| Total risk-based capital ratio | 18.8701% | 2,060 |
| Memoranda: | ||
| Average total assets | $133,278,500 | 3,851 |
| Average earning assets | $124,571,000 | 3,816 |
| Average equity | $16,539,000 | 3,655 |
| Average total loans | $78,412,500 | 3,901 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5035% | 1,584 |
| Cost of funding earning assets | 0.2567% | 4,718 |
| Net interest margin | 4.2468% | 1,071 |
| Noninterest income to average assets | 0.5903% | 2,772 |
| Noninterest expense to average assets | 2.6858% | 3,628 |
| Loan and lease loss provision to assets | 0.1687% | 1,359 |
| Net operating income to assets | 1.6562% | 623 |
| Return on assets (ROA) | 1.6587% | 641 |
| Pretax return on assets | 1.6587% | 1,086 |
| Return on Equity (ROE) | 12.7391% | 1,112 |
| Retained earnings to average equity (ytd only) | 10.3234% | 416 |
| Net charge-offs to loans | -0.1578% | 5,908 |
| Credit loss provision to net charge-offs | -168.0672% | 5,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8514% | 5,457 |
| Assets per employee ($millions) | 4.4033% | 3,212 |
| Cash dividends to net income (ytd only)* | 18.9629% | 3,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3769% | 469 |
| Loan loss allowance to noncurrent loans | 105.0568% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 2.6692% | 553 |
| Noncurrent loans to loans | 2.2625% | 863 |
| Net loans and leases to total assets | 57.4868% | 4,149 |
| Net loans and leases to deposits | 65.5893% | 4,348 |
| Net loans and leases to core deposits | 69.3598% | 4,346 |
| Total domestic deposits to total assets | 87.6465% | 1,822 |
| Equity capital to assets | 12.2468% | 1,780 |
| Core capital (leverage) ratio | 10.5909% | 2,832 |
| Tier 1 risk-based capital ratio | 17.0822% | 2,252 |
| Total risk-based capital ratio | 18.3466% | 2,203 |
| Memoranda: | ||
| Average total assets | $118,586,000 | 4,088 |
| Average earning assets | $109,469,800 | 4,075 |
| Average equity | $15,440,600 | 3,767 |
| Average total loans | $75,431,600 | 3,960 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7070% | 1,087 |
| Cost of funding earning assets | 0.2667% | 4,695 |
| Net interest margin | 4.4404% | 735 |
| Noninterest income to average assets | 0.8333% | 1,678 |
| Noninterest expense to average assets | 2.7995% | 3,189 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.1190% | 298 |
| Return on assets (ROA) | 2.1225% | 311 |
| Pretax return on assets | 2.1225% | 479 |
| Return on Equity (ROE) | 16.0280% | 590 |
| Retained earnings to average equity (ytd only) | 12.7682% | 299 |
| Net charge-offs to loans | -0.0677% | 5,650 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4941% | 5,618 |
| Assets per employee ($millions) | 4.1281% | 3,660 |
| Cash dividends to net income (ytd only)* | 20.3380% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0294% | 878 |
| Loan loss allowance to noncurrent loans | 92.8910% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 3.1308% | 467 |
| Noncurrent loans to loans | 2.1847% | 1,012 |
| Net loans and leases to total assets | 63.2315% | 3,414 |
| Net loans and leases to deposits | 73.2285% | 3,625 |
| Net loans and leases to core deposits | 77.7600% | 3,635 |
| Total domestic deposits to total assets | 86.3483% | 2,361 |
| Equity capital to assets | 13.4404% | 1,259 |
| Core capital (leverage) ratio | 11.5059% | 2,033 |
| Tier 1 risk-based capital ratio | 16.9792% | 2,386 |
| Total risk-based capital ratio | 18.2381% | 2,328 |
| Memoranda: | ||
| Average total assets | $115,207,500 | 4,192 |
| Average earning assets | $105,994,500 | 4,182 |
| Average equity | $15,256,250 | 3,828 |
| Average total loans | $74,842,250 | 4,015 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8812% | 765 |
| Cost of funding earning assets | 0.2695% | 4,724 |
| Net interest margin | 4.6118% | 526 |
| Noninterest income to average assets | 0.6737% | 2,331 |
| Noninterest expense to average assets | 2.8442% | 3,085 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.0738% | 320 |
| Return on assets (ROA) | 2.0755% | 332 |
| Pretax return on assets | 2.0755% | 511 |
| Return on Equity (ROE) | 15.7561% | 636 |
| Retained earnings to average equity (ytd only) | 10.7756% | 531 |
| Net charge-offs to loans | -0.1054% | 5,812 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3262% | 5,629 |
| Assets per employee ($millions) | 4.0972% | 3,687 |
| Cash dividends to net income (ytd only)* | 31.6102% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0073% | 974 |
| Loan loss allowance to noncurrent loans | 166.3839% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 2.6081% | 707 |
| Noncurrent loans to loans | 1.2064% | 2,244 |
| Net loans and leases to total assets | 66.7672% | 2,829 |
| Net loans and leases to deposits | 77.2410% | 3,126 |
| Net loans and leases to core deposits | 82.4828% | 3,125 |
| Total domestic deposits to total assets | 86.4401% | 2,467 |
| Equity capital to assets | 13.3655% | 1,236 |
| Core capital (leverage) ratio | 11.1886% | 2,255 |
| Tier 1 risk-based capital ratio | 15.9176% | 2,894 |
| Total risk-based capital ratio | 17.1761% | 2,851 |
| Memoranda: | ||
| Average total assets | $113,705,330 | 4,260 |
| Average earning assets | $104,645,330 | 4,253 |
| Average equity | $14,978,330 | 3,894 |
| Average total loans | $74,034,670 | 4,060 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4563% | 1,589 |
| Cost of funding earning assets | 0.2682% | 4,816 |
| Net interest margin | 4.1881% | 1,087 |
| Noninterest income to average assets | 0.7173% | 2,081 |
| Noninterest expense to average assets | 2.8764% | 2,984 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7032% | 585 |
| Return on assets (ROA) | 1.7032% | 613 |
| Pretax return on assets | 1.7032% | 1,042 |
| Return on Equity (ROE) | 13.0261% | 1,084 |
| Retained earnings to average equity (ytd only) | 13.0261% | 443 |
| Net charge-offs to loans | -0.2835% | 6,130 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9475% | 5,343 |
| Assets per employee ($millions) | 3.9893% | 3,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1346% | 874 |
| Loan loss allowance to noncurrent loans | 69.5557% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 3.6347% | 446 |
| Noncurrent loans to loans | 3.0689% | 686 |
| Net loans and leases to total assets | 62.6536% | 3,274 |
| Net loans and leases to deposits | 72.2003% | 3,519 |
| Net loans and leases to core deposits | 77.2388% | 3,457 |
| Total domestic deposits to total assets | 86.7776% | 2,513 |
| Equity capital to assets | 13.0832% | 1,354 |
| Core capital (leverage) ratio | 10.9133% | 2,501 |
| Tier 1 risk-based capital ratio | 16.3456% | 2,759 |
| Total risk-based capital ratio | 17.6055% | 2,689 |
| Memoranda: | ||
| Average total assets | $113,197,500 | 4,305 |
| Average earning assets | $104,391,000 | 4,294 |
| Average equity | $14,801,000 | 3,948 |
| Average total loans | $71,969,500 | 4,135 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1420% | 3,159 |
| Cost of funding earning assets | 0.2851% | 4,951 |
| Net interest margin | 3.8568% | 2,408 |
| Noninterest income to average assets | 0.8482% | 1,686 |
| Noninterest expense to average assets | 2.7958% | 3,497 |
| Loan and lease loss provision to assets | 0.1361% | 1,928 |
| Net operating income to assets | 1.4623% | 950 |
| Return on assets (ROA) | 1.4650% | 980 |
| Pretax return on assets | 1.4650% | 1,670 |
| Return on Equity (ROE) | 12.0384% | 1,394 |
| Retained earnings to average equity (ytd only) | 12.0384% | 297 |
| Net charge-offs to loans | 0.4646% | 901 |
| Credit loss provision to net charge-offs | 50.8475% | 3,464 |
| Earnings coverage of net charge-offs (x) | 5.9729% | 3,306 |
| Efficiency ratio | 58.4434% | 5,415 |
| Assets per employee ($millions) | 3.6902% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5606% | 511 |
| Loan loss allowance to noncurrent loans | 78.1549% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 3.8300% | 458 |
| Noncurrent loans to loans | 3.2763% | 656 |
| Net loans and leases to total assets | 61.7352% | 3,535 |
| Net loans and leases to deposits | 71.1102% | 3,779 |
| Net loans and leases to core deposits | 76.3202% | 3,672 |
| Total domestic deposits to total assets | 86.8163% | 2,378 |
| Equity capital to assets | 13.0672% | 1,337 |
| Core capital (leverage) ratio | 10.2288% | 3,275 |
| Tier 1 risk-based capital ratio | 16.0123% | 2,957 |
| Total risk-based capital ratio | 17.2746% | 2,895 |
| Memoranda: | ||
| Average total assets | $110,237,800 | 4,376 |
| Average earning assets | $101,352,200 | 4,368 |
| Average equity | $13,415,400 | 4,117 |
| Average total loans | $63,493,000 | 4,378 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0357% | 3,612 |
| Cost of funding earning assets | 0.2871% | 5,022 |
| Net interest margin | 3.7486% | 2,823 |
| Noninterest income to average assets | 0.8681% | 1,632 |
| Noninterest expense to average assets | 2.7944% | 3,486 |
| Loan and lease loss provision to assets | 0.1816% | 1,352 |
| Net operating income to assets | 1.3379% | 1,273 |
| Return on assets (ROA) | 1.3415% | 1,321 |
| Pretax return on assets | 1.3415% | 2,230 |
| Return on Equity (ROE) | 11.2319% | 1,704 |
| Retained earnings to average equity (ytd only) | 11.2319% | 483 |
| Net charge-offs to loans | 0.6577% | 542 |
| Credit loss provision to net charge-offs | 49.1803% | 3,113 |
| Earnings coverage of net charge-offs (x) | 4.1147% | 3,537 |
| Efficiency ratio | 59.5004% | 5,251 |
| Assets per employee ($millions) | 3.7217% | 4,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6280% | 545 |
| Loan loss allowance to noncurrent loans | 82.0395% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 3.6892% | 562 |
| Noncurrent loans to loans | 3.2034% | 791 |
| Net loans and leases to total assets | 59.2691% | 3,894 |
| Net loans and leases to deposits | 67.8673% | 4,139 |
| Net loans and leases to core deposits | 72.7595% | 4,080 |
| Total domestic deposits to total assets | 87.3309% | 2,139 |
| Equity capital to assets | 12.4550% | 1,731 |
| Core capital (leverage) ratio | 9.9067% | 3,807 |
| Tier 1 risk-based capital ratio | 15.5925% | 3,266 |
| Total risk-based capital ratio | 16.8590% | 3,197 |
| Memoranda: | ||
| Average total assets | $110,121,000 | 4,419 |
| Average earning assets | $101,226,500 | 4,406 |
| Average equity | $13,152,750 | 4,190 |
| Average total loans | $61,831,250 | 4,469 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9414% | 3,970 |
| Cost of funding earning assets | 0.2898% | 5,078 |
| Net interest margin | 3.6517% | 3,136 |
| Noninterest income to average assets | 0.6824% | 2,364 |
| Noninterest expense to average assets | 2.8282% | 3,401 |
| Loan and lease loss provision to assets | 0.2737% | 753 |
| Net operating income to assets | 0.9379% | 2,609 |
| Return on assets (ROA) | 0.9433% | 2,680 |
| Pretax return on assets | 0.9433% | 3,709 |
| Return on Equity (ROE) | 8.0145% | 3,087 |
| Retained earnings to average equity (ytd only) | 8.0145% | 1,327 |
| Net charge-offs to loans | 0.9534% | 373 |
| Credit loss provision to net charge-offs | 52.6316% | 2,758 |
| Earnings coverage of net charge-offs (x) | 2.3298% | 3,573 |
| Efficiency ratio | 64.3180% | 4,646 |
| Assets per employee ($millions) | 3.6370% | 4,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8246% | 462 |
| Loan loss allowance to noncurrent loans | 70.4094% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 3.9752% | 537 |
| Noncurrent loans to loans | 4.0117% | 589 |
| Net loans and leases to total assets | 55.1070% | 4,394 |
| Net loans and leases to deposits | 62.6369% | 4,628 |
| Net loans and leases to core deposits | 67.0581% | 4,550 |
| Total domestic deposits to total assets | 87.9785% | 1,907 |
| Equity capital to assets | 11.8228% | 2,130 |
| Core capital (leverage) ratio | 9.4181% | 4,445 |
| Tier 1 risk-based capital ratio | 15.5851% | 3,306 |
| Total risk-based capital ratio | 16.8544% | 3,245 |
| Memoranda: | ||
| Average total assets | $109,611,330 | 4,453 |
| Average earning assets | $100,775,330 | 4,451 |
| Average equity | $12,901,670 | 4,238 |
| Average total loans | $59,788,330 | 4,556 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9031% | 4,075 |
| Cost of funding earning assets | 0.2947% | 5,125 |
| Net interest margin | 3.6085% | 3,219 |
| Noninterest income to average assets | 0.7256% | 2,051 |
| Noninterest expense to average assets | 2.8359% | 3,435 |
| Loan and lease loss provision to assets | 0.3332% | 538 |
| Net operating income to assets | 0.8663% | 2,818 |
| Return on assets (ROA) | 0.8774% | 2,824 |
| Pretax return on assets | 0.8774% | 3,797 |
| Return on Equity (ROE) | 7.4719% | 3,222 |
| Retained earnings to average equity (ytd only) | 7.4719% | 1,832 |
| Net charge-offs to loans | 2.0792% | 124 |
| Credit loss provision to net charge-offs | 30.0000% | 2,395 |
| Earnings coverage of net charge-offs (x) | 1.0800% | 3,185 |
| Efficiency ratio | 64.4954% | 4,779 |
| Assets per employee ($millions) | 3.4910% | 4,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9610% | 454 |
| Loan loss allowance to noncurrent loans | 62.9455% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 4.3596% | 514 |
| Noncurrent loans to loans | 4.7042% | 498 |
| Net loans and leases to total assets | 52.4182% | 4,627 |
| Net loans and leases to deposits | 59.6271% | 4,801 |
| Net loans and leases to core deposits | 64.3051% | 4,666 |
| Total domestic deposits to total assets | 87.9100% | 2,284 |
| Equity capital to assets | 11.9246% | 1,922 |
| Core capital (leverage) ratio | 9.3644% | 4,488 |
| Tier 1 risk-based capital ratio | 16.3689% | 2,961 |
| Total risk-based capital ratio | 17.6385% | 2,924 |
| Memoranda: | ||
| Average total assets | $108,043,000 | 4,529 |
| Average earning assets | $99,100,500 | 4,536 |
| Average equity | $12,687,500 | 4,301 |
| Average total loans | $57,713,500 | 4,664 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5404% | 5,558 |
| Cost of funding earning assets | 0.3637% | 5,015 |
| Net interest margin | 3.1767% | 5,073 |
| Noninterest income to average assets | 0.7201% | 2,429 |
| Noninterest expense to average assets | 2.6863% | 4,141 |
| Loan and lease loss provision to assets | 0.3345% | 961 |
| Net operating income to assets | 0.6133% | 4,202 |
| Return on assets (ROA) | 0.6607% | 4,084 |
| Pretax return on assets | 0.6607% | 4,664 |
| Return on Equity (ROE) | 5.7440% | 4,249 |
| Retained earnings to average equity (ytd only) | 5.7440% | 2,139 |
| Net charge-offs to loans | 0.7119% | 907 |
| Credit loss provision to net charge-offs | 96.7742% | 2,580 |
| Earnings coverage of net charge-offs (x) | 2.7419% | 4,086 |
| Efficiency ratio | 67.5019% | 4,288 |
| Assets per employee ($millions) | 3.4795% | 4,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4072% | 315 |
| Loan loss allowance to noncurrent loans | 55.5524% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 5.1203% | 453 |
| Noncurrent loans to loans | 6.1333% | 327 |
| Net loans and leases to total assets | 51.0152% | 4,969 |
| Net loans and leases to deposits | 57.7766% | 5,146 |
| Net loans and leases to core deposits | 62.3218% | 5,031 |
| Total domestic deposits to total assets | 88.2973% | 2,008 |
| Equity capital to assets | 11.5609% | 2,121 |
| Core capital (leverage) ratio | 9.1225% | 4,822 |
| Tier 1 risk-based capital ratio | 16.2921% | 2,970 |
| Total risk-based capital ratio | 17.5683% | 2,909 |
| Memoranda: | ||
| Average total assets | $107,618,800 | 4,552 |
| Average earning assets | $98,717,800 | 4,544 |
| Average equity | $12,378,200 | 4,381 |
| Average total loans | $52,254,800 | 4,877 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3993% | 5,877 |
| Cost of funding earning assets | 0.3771% | 5,029 |
| Net interest margin | 3.0222% | 5,537 |
| Noninterest income to average assets | 0.7029% | 2,590 |
| Noninterest expense to average assets | 2.6094% | 4,359 |
| Loan and lease loss provision to assets | 0.3347% | 982 |
| Net operating income to assets | 0.5306% | 4,666 |
| Return on assets (ROA) | 0.5938% | 4,504 |
| Pretax return on assets | 0.5938% | 5,038 |
| Return on Equity (ROE) | 5.1691% | 4,643 |
| Retained earnings to average equity (ytd only) | 5.1691% | 2,960 |
| Net charge-offs to loans | 0.9893% | 580 |
| Credit loss provision to net charge-offs | 71.2401% | 3,049 |
| Earnings coverage of net charge-offs (x) | 1.8417% | 4,218 |
| Efficiency ratio | 68.3910% | 4,015 |
| Assets per employee ($millions) | 3.4110% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3262% | 402 |
| Loan loss allowance to noncurrent loans | 45.3294% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 5.5922% | 459 |
| Noncurrent loans to loans | 7.3378% | 270 |
| Net loans and leases to total assets | 49.1013% | 5,238 |
| Net loans and leases to deposits | 55.5417% | 5,409 |
| Net loans and leases to core deposits | 59.6953% | 5,323 |
| Total domestic deposits to total assets | 88.4042% | 1,891 |
| Equity capital to assets | 11.3786% | 2,402 |
| Core capital (leverage) ratio | 8.8297% | 5,361 |
| Tier 1 risk-based capital ratio | 16.6827% | 2,865 |
| Total risk-based capital ratio | 17.9587% | 2,810 |
| Memoranda: | ||
| Average total assets | $107,557,500 | 4,602 |
| Average earning assets | $98,646,500 | 4,598 |
| Average equity | $12,355,250 | 4,424 |
| Average total loans | $51,076,500 | 4,968 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2568% | 6,150 |
| Cost of funding earning assets | 0.3908% | 5,027 |
| Net interest margin | 2.8660% | 5,857 |
| Noninterest income to average assets | 0.6578% | 2,871 |
| Noninterest expense to average assets | 2.5844% | 4,440 |
| Loan and lease loss provision to assets | 0.3364% | 1,018 |
| Net operating income to assets | 0.3681% | 5,339 |
| Return on assets (ROA) | 0.4448% | 5,208 |
| Pretax return on assets | 0.4448% | 5,534 |
| Return on Equity (ROE) | 3.8594% | 5,271 |
| Retained earnings to average equity (ytd only) | 3.8594% | 3,842 |
| Net charge-offs to loans | 1.6404% | 305 |
| Credit loss provision to net charge-offs | 44.2260% | 3,337 |
| Earnings coverage of net charge-offs (x) | 0.9263% | 4,219 |
| Efficiency ratio | 71.4205% | 3,575 |
| Assets per employee ($millions) | 3.5783% | 4,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3987% | 400 |
| Loan loss allowance to noncurrent loans | 40.1395% | 5,615 |
| Noncurrent assets plus other real estate owned to assets | 6.0141% | 450 |
| Noncurrent loans to loans | 8.4672% | 225 |
| Net loans and leases to total assets | 45.7000% | 5,566 |
| Net loans and leases to deposits | 51.6297% | 5,717 |
| Net loans and leases to core deposits | 55.5432% | 5,636 |
| Total domestic deposits to total assets | 88.5149% | 1,906 |
| Equity capital to assets | 11.2839% | 2,487 |
| Core capital (leverage) ratio | 8.5505% | 5,609 |
| Tier 1 risk-based capital ratio | 17.6793% | 2,443 |
| Total risk-based capital ratio | 18.9567% | 2,399 |
| Memoranda: | ||
| Average total assets | $107,026,000 | 4,640 |
| Average earning assets | $98,256,330 | 4,641 |
| Average equity | $12,333,670 | 4,456 |
| Average total loans | $49,622,330 | 5,039 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2251% | 6,269 |
| Cost of funding earning assets | 0.4108% | 5,001 |
| Net interest margin | 2.8143% | 5,999 |
| Noninterest income to average assets | 0.6438% | 2,916 |
| Noninterest expense to average assets | 2.5602% | 4,527 |
| Loan and lease loss provision to assets | 0.3369% | 996 |
| Net operating income to assets | 0.3369% | 5,410 |
| Return on assets (ROA) | 0.5016% | 4,798 |
| Pretax return on assets | 0.5016% | 5,250 |
| Return on Equity (ROE) | 4.3073% | 4,938 |
| Retained earnings to average equity (ytd only) | 4.3073% | 3,642 |
| Net charge-offs to loans | -0.2365% | 6,717 |
| Credit loss provision to net charge-offs | -310.3448% | 5,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8750% | 3,636 |
| Assets per employee ($millions) | 3.4718% | 5,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2772% | 229 |
| Loan loss allowance to noncurrent loans | 78.6039% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 3.6320% | 1,153 |
| Noncurrent loans to loans | 5.4414% | 669 |
| Net loans and leases to total assets | 43.0849% | 5,754 |
| Net loans and leases to deposits | 48.8244% | 5,862 |
| Net loans and leases to core deposits | 52.5230% | 5,784 |
| Total domestic deposits to total assets | 88.2446% | 2,164 |
| Equity capital to assets | 11.5937% | 2,337 |
| Core capital (leverage) ratio | 8.4155% | 5,687 |
| Tier 1 risk-based capital ratio | 18.8396% | 2,085 |
| Total risk-based capital ratio | 20.1296% | 2,050 |
| Memoranda: | ||
| Average total assets | $106,865,000 | 4,687 |
| Average earning assets | $98,354,500 | 4,672 |
| Average equity | $12,444,000 | 4,485 |
| Average total loans | $49,041,500 | 5,090 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8333% | 5,754 |
| Cost of funding earning assets | 0.4999% | 5,221 |
| Net interest margin | 3.3334% | 5,131 |
| Noninterest income to average assets | 0.5901% | 3,335 |
| Noninterest expense to average assets | 3.0239% | 3,186 |
| Loan and lease loss provision to assets | 0.5327% | 1,087 |
| Net operating income to assets | 0.0685% | 6,060 |
| Return on assets (ROA) | 0.2316% | 5,891 |
| Pretax return on assets | 0.2316% | 5,948 |
| Return on Equity (ROE) | 1.8710% | 5,940 |
| Retained earnings to average equity (ytd only) | 1.8710% | 4,901 |
| Net charge-offs to loans | 1.7964% | 454 |
| Credit loss provision to net charge-offs | 58.0681% | 4,496 |
| Earnings coverage of net charge-offs (x) | 0.6553% | 5,156 |
| Efficiency ratio | 76.4444% | 2,672 |
| Assets per employee ($millions) | 3.4227% | 5,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9343% | 300 |
| Loan loss allowance to noncurrent loans | 103.6074% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 2.9792% | 1,591 |
| Noncurrent loans to loans | 3.7973% | 1,273 |
| Net loans and leases to total assets | 44.9441% | 5,735 |
| Net loans and leases to deposits | 50.9798% | 5,887 |
| Net loans and leases to core deposits | 55.2989% | 5,771 |
| Total domestic deposits to total assets | 88.1606% | 2,125 |
| Equity capital to assets | 11.6962% | 2,275 |
| Core capital (leverage) ratio | 9.0922% | 4,750 |
| Tier 1 risk-based capital ratio | 16.6836% | 2,799 |
| Total risk-based capital ratio | 17.9657% | 2,756 |
| Memoranda: | ||
| Average total assets | $99,309,000 | 4,850 |
| Average earning assets | $90,419,200 | 4,859 |
| Average equity | $12,293,200 | 4,504 |
| Average total loans | $50,713,600 | 5,081 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9509% | 5,659 |
| Cost of funding earning assets | 0.5189% | 5,314 |
| Net interest margin | 3.4320% | 4,913 |
| Noninterest income to average assets | 0.5354% | 3,709 |
| Noninterest expense to average assets | 3.0419% | 3,087 |
| Loan and lease loss provision to assets | 0.4945% | 1,244 |
| Net operating income to assets | 0.1161% | 6,101 |
| Return on assets (ROA) | 0.3374% | 5,686 |
| Pretax return on assets | 0.3374% | 5,878 |
| Return on Equity (ROE) | 2.6853% | 5,803 |
| Retained earnings to average equity (ytd only) | 2.6853% | 4,950 |
| Net charge-offs to loans | 1.1063% | 916 |
| Credit loss provision to net charge-offs | 85.5792% | 3,441 |
| Earnings coverage of net charge-offs (x) | 1.0567% | 4,783 |
| Efficiency ratio | 76.2528% | 2,640 |
| Assets per employee ($millions) | 3.2495% | 5,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4447% | 222 |
| Loan loss allowance to noncurrent loans | 367.9612% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 1.8813% | 2,813 |
| Noncurrent loans to loans | 1.2079% | 4,036 |
| Net loans and leases to total assets | 50.1493% | 5,298 |
| Net loans and leases to deposits | 57.6238% | 5,465 |
| Net loans and leases to core deposits | 62.4121% | 5,318 |
| Total domestic deposits to total assets | 87.0288% | 2,651 |
| Equity capital to assets | 12.7548% | 1,737 |
| Core capital (leverage) ratio | 9.4925% | 4,282 |
| Tier 1 risk-based capital ratio | 16.1726% | 3,178 |
| Total risk-based capital ratio | 17.4599% | 3,133 |
| Memoranda: | ||
| Average total assets | $97,610,500 | 4,945 |
| Average earning assets | $88,653,750 | 4,953 |
| Average equity | $12,264,000 | 4,546 |
| Average total loans | $50,982,000 | 5,129 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9298% | 5,837 |
| Cost of funding earning assets | 0.5333% | 5,412 |
| Net interest margin | 3.3965% | 5,105 |
| Noninterest income to average assets | 0.4854% | 4,022 |
| Noninterest expense to average assets | 3.0475% | 3,101 |
| Loan and lease loss provision to assets | 0.5571% | 1,100 |
| Net operating income to assets | -0.0410% | 6,367 |
| Return on assets (ROA) | 0.2007% | 6,097 |
| Pretax return on assets | 0.2007% | 6,148 |
| Return on Equity (ROE) | 1.6056% | 6,166 |
| Retained earnings to average equity (ytd only) | 1.6056% | 5,406 |
| Net charge-offs to loans | 1.7046% | 531 |
| Credit loss provision to net charge-offs | 62.6728% | 3,730 |
| Earnings coverage of net charge-offs (x) | 0.5806% | 4,778 |
| Efficiency ratio | 78.3333% | 2,417 |
| Assets per employee ($millions) | 3.1981% | 5,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3864% | 255 |
| Loan loss allowance to noncurrent loans | 311.7647% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 2.6396% | 2,100 |
| Noncurrent loans to loans | 1.4069% | 3,808 |
| Net loans and leases to total assets | 47.7769% | 5,632 |
| Net loans and leases to deposits | 54.6723% | 5,801 |
| Net loans and leases to core deposits | 59.3408% | 5,663 |
| Total domestic deposits to total assets | 87.3878% | 2,542 |
| Equity capital to assets | 12.3853% | 1,890 |
| Core capital (leverage) ratio | 9.0489% | 4,846 |
| Tier 1 risk-based capital ratio | 15.7605% | 3,296 |
| Total risk-based capital ratio | 17.0452% | 3,252 |
| Memoranda: | ||
| Average total assets | $97,652,330 | 4,965 |
| Average earning assets | $88,503,000 | 4,981 |
| Average equity | $12,207,330 | 4,560 |
| Average total loans | $50,922,000 | 5,156 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0269% | 5,681 |
| Cost of funding earning assets | 0.5524% | 5,482 |
| Net interest margin | 3.4744% | 4,814 |
| Noninterest income to average assets | 0.7884% | 2,218 |
| Noninterest expense to average assets | 3.0586% | 3,056 |
| Loan and lease loss provision to assets | 0.3715% | 1,700 |
| Net operating income to assets | 0.4994% | 4,833 |
| Return on assets (ROA) | 0.5985% | 4,565 |
| Pretax return on assets | 0.5985% | 5,125 |
| Return on Equity (ROE) | 4.7652% | 4,899 |
| Retained earnings to average equity (ytd only) | 4.7652% | 3,699 |
| Net charge-offs to loans | 0.3022% | 2,450 |
| Credit loss provision to net charge-offs | 230.7692% | 1,213 |
| Earnings coverage of net charge-offs (x) | 5.4103% | 2,379 |
| Efficiency ratio | 71.2185% | 3,585 |
| Assets per employee ($millions) | 3.0853% | 5,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8754% | 194 |
| Loan loss allowance to noncurrent loans | 159.0667% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 3.5622% | 1,606 |
| Noncurrent loans to loans | 3.0650% | 2,097 |
| Net loans and leases to total assets | 48.6748% | 5,472 |
| Net loans and leases to deposits | 55.9315% | 5,608 |
| Net loans and leases to core deposits | 60.9051% | 5,443 |
| Total domestic deposits to total assets | 87.0257% | 2,944 |
| Equity capital to assets | 12.7777% | 1,561 |
| Core capital (leverage) ratio | 9.3298% | 4,318 |
| Tier 1 risk-based capital ratio | 16.0513% | 3,150 |
| Total risk-based capital ratio | 17.3428% | 3,094 |
| Memoranda: | ||
| Average total assets | $96,907,500 | 5,023 |
| Average earning assets | $87,611,000 | 5,039 |
| Average equity | $12,171,500 | 4,576 |
| Average total loans | $51,613,000 | 5,160 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1520% | 6,183 |
| Cost of funding earning assets | 0.7521% | 5,196 |
| Net interest margin | 3.3999% | 5,480 |
| Noninterest income to average assets | 0.7256% | 2,470 |
| Noninterest expense to average assets | 3.0184% | 3,528 |
| Loan and lease loss provision to assets | 1.2466% | 680 |
| Net operating income to assets | -0.4883% | 6,480 |
| Return on assets (ROA) | -0.4324% | 6,492 |
| Pretax return on assets | -0.4324% | 6,441 |
| Return on Equity (ROE) | -3.5182% | 6,445 |
| Retained earnings to average equity (ytd only) | -3.5182% | 6,329 |
| Net charge-offs to loans | 1.4375% | 1,133 |
| Credit loss provision to net charge-offs | 149.0542% | 1,903 |
| Earnings coverage of net charge-offs (x) | 0.9067% | 5,129 |
| Efficiency ratio | 72.9126% | 3,407 |
| Assets per employee ($millions) | 3.2724% | 5,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3013% | 295 |
| Loan loss allowance to noncurrent loans | 195.0710% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 3.1618% | 1,892 |
| Noncurrent loans to loans | 2.2050% | 2,942 |
| Net loans and leases to total assets | 52.9183% | 5,176 |
| Net loans and leases to deposits | 60.5144% | 5,434 |
| Net loans and leases to core deposits | 66.0845% | 5,244 |
| Total domestic deposits to total assets | 87.4475% | 2,496 |
| Equity capital to assets | 12.3477% | 1,882 |
| Core capital (leverage) ratio | 9.0105% | 4,767 |
| Tier 1 risk-based capital ratio | 14.5330% | 3,949 |
| Total risk-based capital ratio | 15.8190% | 3,897 |
| Memoranda: | ||
| Average total assets | $94,817,200 | 5,052 |
| Average earning assets | $85,090,800 | 5,087 |
| Average equity | $11,653,600 | 4,623 |
| Average total loans | $55,164,400 | 5,068 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1039% | 6,407 |
| Cost of funding earning assets | 0.7916% | 5,198 |
| Net interest margin | 3.3122% | 5,823 |
| Noninterest income to average assets | 0.7037% | 2,583 |
| Noninterest expense to average assets | 3.0701% | 3,283 |
| Loan and lease loss provision to assets | 1.5492% | 433 |
| Net operating income to assets | -0.9477% | 6,865 |
| Return on assets (ROA) | -0.9023% | 6,879 |
| Pretax return on assets | -0.9023% | 6,831 |
| Return on Equity (ROE) | -7.3504% | 6,780 |
| Retained earnings to average equity (ytd only) | -7.3504% | 6,721 |
| Net charge-offs to loans | 1.8874% | 694 |
| Credit loss provision to net charge-offs | 139.2857% | 2,291 |
| Earnings coverage of net charge-offs (x) | 0.5408% | 5,227 |
| Efficiency ratio | 76.3524% | 2,790 |
| Assets per employee ($millions) | 3.1655% | 5,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2345% | 331 |
| Loan loss allowance to noncurrent loans | 118.5068% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 3.7993% | 1,634 |
| Noncurrent loans to loans | 3.5732% | 1,924 |
| Net loans and leases to total assets | 53.6782% | 5,214 |
| Net loans and leases to deposits | 61.6563% | 5,445 |
| Net loans and leases to core deposits | 67.9304% | 5,189 |
| Total domestic deposits to total assets | 87.0604% | 2,613 |
| Equity capital to assets | 12.6543% | 1,818 |
| Core capital (leverage) ratio | 8.6779% | 5,445 |
| Tier 1 risk-based capital ratio | 13.9606% | 4,385 |
| Total risk-based capital ratio | 15.2456% | 4,328 |
| Memoranda: | ||
| Average total assets | $93,978,500 | 5,101 |
| Average earning assets | $84,211,250 | 5,153 |
| Average equity | $11,536,500 | 4,682 |
| Average total loans | $55,384,000 | 5,100 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0414% | 6,595 |
| Cost of funding earning assets | 0.8250% | 5,216 |
| Net interest margin | 3.2163% | 6,112 |
| Noninterest income to average assets | 0.8607% | 1,770 |
| Noninterest expense to average assets | 3.1351% | 3,128 |
| Loan and lease loss provision to assets | 0.3631% | 2,614 |
| Net operating income to assets | 0.2349% | 5,614 |
| Return on assets (ROA) | 0.2456% | 5,699 |
| Pretax return on assets | 0.2456% | 5,818 |
| Return on Equity (ROE) | 2.0217% | 5,780 |
| Retained earnings to average equity (ytd only) | 2.0217% | 4,969 |
| Net charge-offs to loans | 0.4456% | 2,791 |
| Credit loss provision to net charge-offs | 136.0000% | 2,241 |
| Earnings coverage of net charge-offs (x) | 2.2400% | 3,712 |
| Efficiency ratio | 76.7735% | 2,892 |
| Assets per employee ($millions) | 3.1524% | 5,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6865% | 518 |
| Loan loss allowance to noncurrent loans | 90.2539% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 4.4558% | 1,415 |
| Noncurrent loans to loans | 4.0846% | 1,687 |
| Net loans and leases to total assets | 55.0020% | 5,147 |
| Net loans and leases to deposits | 62.8301% | 5,411 |
| Net loans and leases to core deposits | 67.8542% | 5,305 |
| Total domestic deposits to total assets | 87.5408% | 2,447 |
| Equity capital to assets | 12.1610% | 1,988 |
| Core capital (leverage) ratio | 7.9691% | 6,339 |
| Tier 1 risk-based capital ratio | 12.8036% | 5,091 |
| Total risk-based capital ratio | 14.0815% | 5,042 |
| Memoranda: | ||
| Average total assets | $93,650,000 | 5,146 |
| Average earning assets | $83,635,330 | 5,209 |
| Average equity | $11,376,330 | 4,722 |
| Average total loans | $56,102,330 | 5,117 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9669% | 6,747 |
| Cost of funding earning assets | 0.8490% | 5,279 |
| Net interest margin | 3.1178% | 6,298 |
| Noninterest income to average assets | 0.8198% | 1,956 |
| Noninterest expense to average assets | 3.2150% | 2,847 |
| Loan and lease loss provision to assets | 0.3434% | 2,507 |
| Net operating income to assets | 0.0515% | 6,231 |
| Return on assets (ROA) | 0.0515% | 6,271 |
| Pretax return on assets | 0.0515% | 6,263 |
| Return on Equity (ROE) | 0.4243% | 6,277 |
| Retained earnings to average equity (ytd only) | 0.4243% | 5,651 |
| Net charge-offs to loans | -1.0359% | 7,490 |
| Credit loss provision to net charge-offs | -54.0541% | 5,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5696% | 2,287 |
| Assets per employee ($millions) | 3.0145% | 6,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0054% | 418 |
| Loan loss allowance to noncurrent loans | 73.9707% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 5.1172% | 1,225 |
| Noncurrent loans to loans | 5.4148% | 1,211 |
| Net loans and leases to total assets | 55.7549% | 5,034 |
| Net loans and leases to deposits | 63.6124% | 5,304 |
| Net loans and leases to core deposits | 69.2583% | 5,138 |
| Total domestic deposits to total assets | 87.6479% | 2,582 |
| Equity capital to assets | 12.1091% | 1,854 |
| Core capital (leverage) ratio | 8.1110% | 6,111 |
| Tier 1 risk-based capital ratio | 12.5557% | 5,211 |
| Total risk-based capital ratio | 13.8380% | 5,158 |
| Memoranda: | ||
| Average total assets | $93,188,500 | 5,199 |
| Average earning assets | $83,391,000 | 5,255 |
| Average equity | $11,314,000 | 4,716 |
| Average total loans | $57,149,500 | 5,128 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9857% | 4,626 |
| Cost of funding earning assets | 1.0423% | 5,470 |
| Net interest margin | 3.9434% | 3,289 |
| Noninterest income to average assets | 0.8506% | 2,054 |
| Noninterest expense to average assets | 3.3183% | 2,675 |
| Loan and lease loss provision to assets | 2.0271% | 644 |
| Net operating income to assets | -0.9619% | 6,657 |
| Return on assets (ROA) | -0.9619% | 6,700 |
| Pretax return on assets | -0.9619% | 6,615 |
| Return on Equity (ROE) | -7.1651% | 6,566 |
| Retained earnings to average equity (ytd only) | -11.7856% | 6,753 |
| Net charge-offs to loans | 2.7530% | 647 |
| Credit loss provision to net charge-offs | 101.0078% | 4,497 |
| Earnings coverage of net charge-offs (x) | 0.5308% | 5,582 |
| Efficiency ratio | 69.2643% | 4,322 |
| Assets per employee ($millions) | 2.9976% | 6,104 |
| Cash dividends to net income (ytd only)* | -64.4860% | 7,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2421% | 710 |
| Loan loss allowance to noncurrent loans | 67.8049% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 4.5939% | 1,452 |
| Noncurrent loans to loans | 4.7816% | 1,443 |
| Net loans and leases to total assets | 62.4964% | 4,172 |
| Net loans and leases to deposits | 71.3482% | 4,632 |
| Net loans and leases to core deposits | 77.6760% | 4,495 |
| Total domestic deposits to total assets | 87.5935% | 2,490 |
| Equity capital to assets | 12.1730% | 1,813 |
| Core capital (leverage) ratio | 8.1292% | 5,945 |
| Tier 1 risk-based capital ratio | 11.5239% | 5,888 |
| Total risk-based capital ratio | 12.7973% | 5,875 |
| Memoranda: | ||
| Average total assets | $88,992,000 | 5,321 |
| Average earning assets | $79,728,800 | 5,359 |
| Average equity | $11,946,800 | 4,628 |
| Average total loans | $64,875,200 | 4,875 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0711% | 4,471 |
| Cost of funding earning assets | 1.0761% | 5,566 |
| Net interest margin | 3.9949% | 3,127 |
| Noninterest income to average assets | 0.9044% | 1,781 |
| Noninterest expense to average assets | 3.3920% | 2,321 |
| Loan and lease loss provision to assets | 2.3149% | 477 |
| Net operating income to assets | -1.2256% | 6,993 |
| Return on assets (ROA) | -1.2256% | 7,020 |
| Pretax return on assets | -1.2256% | 6,945 |
| Return on Equity (ROE) | -8.9103% | 6,876 |
| Retained earnings to average equity (ytd only) | -13.9217% | 7,037 |
| Net charge-offs to loans | 1.9045% | 1,002 |
| Credit loss provision to net charge-offs | 161.8644% | 2,328 |
| Earnings coverage of net charge-offs (x) | 0.7616% | 5,301 |
| Efficiency ratio | 69.3374% | 4,201 |
| Assets per employee ($millions) | 2.9251% | 6,315 |
| Cash dividends to net income (ytd only)* | -56.2421% | 7,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8431% | 419 |
| Loan loss allowance to noncurrent loans | 75.9831% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 5.4733% | 1,128 |
| Noncurrent loans to loans | 5.0578% | 1,361 |
| Net loans and leases to total assets | 69.3142% | 2,897 |
| Net loans and leases to deposits | 79.6866% | 3,503 |
| Net loans and leases to core deposits | 91.3719% | 2,896 |
| Total domestic deposits to total assets | 86.9835% | 2,542 |
| Equity capital to assets | 12.6967% | 1,757 |
| Core capital (leverage) ratio | 8.3759% | 5,744 |
| Tier 1 risk-based capital ratio | 11.1663% | 6,224 |
| Total risk-based capital ratio | 12.4498% | 6,185 |
| Memoranda: | ||
| Average total assets | $88,008,250 | 5,413 |
| Average earning assets | $78,797,750 | 5,447 |
| Average equity | $12,105,500 | 4,647 |
| Average total loans | $66,088,500 | 4,901 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0183% | 4,862 |
| Cost of funding earning assets | 1.1143% | 5,600 |
| Net interest margin | 3.9040% | 3,429 |
| Noninterest income to average assets | 0.9458% | 1,526 |
| Noninterest expense to average assets | 3.5377% | 1,934 |
| Loan and lease loss provision to assets | 1.6896% | 750 |
| Net operating income to assets | -0.7828% | 6,857 |
| Return on assets (ROA) | -0.7828% | 6,871 |
| Pretax return on assets | -0.7828% | 6,777 |
| Return on Equity (ROE) | -5.5434% | 6,744 |
| Retained earnings to average equity (ytd only) | -11.3631% | 6,970 |
| Net charge-offs to loans | 0.9739% | 1,903 |
| Credit loss provision to net charge-offs | 227.8638% | 1,698 |
| Earnings coverage of net charge-offs (x) | 1.2229% | 4,585 |
| Efficiency ratio | 73.1405% | 3,632 |
| Assets per employee ($millions) | 2.7877% | 6,595 |
| Cash dividends to net income (ytd only)* | -104.9853% | 7,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4430% | 574 |
| Loan loss allowance to noncurrent loans | 42.8441% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 7.0241% | 753 |
| Noncurrent loans to loans | 8.0361% | 648 |
| Net loans and leases to total assets | 73.5951% | 2,007 |
| Net loans and leases to deposits | 85.4955% | 2,603 |
| Net loans and leases to core deposits | 98.6521% | 2,158 |
| Total domestic deposits to total assets | 86.0807% | 3,038 |
| Equity capital to assets | 13.5337% | 1,333 |
| Core capital (leverage) ratio | 8.8326% | 4,861 |
| Tier 1 risk-based capital ratio | 11.9272% | 5,378 |
| Total risk-based capital ratio | 13.2072% | 5,313 |
| Memoranda: | ||
| Average total assets | $87,118,670 | 5,478 |
| Average earning assets | $78,074,330 | 5,503 |
| Average equity | $12,303,000 | 4,591 |
| Average total loans | $66,330,000 | 4,929 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9203% | 5,362 |
| Cost of funding earning assets | 1.1339% | 5,741 |
| Net interest margin | 3.7864% | 3,845 |
| Noninterest income to average assets | 0.7714% | 2,166 |
| Noninterest expense to average assets | 3.4296% | 2,160 |
| Loan and lease loss provision to assets | 2.7232% | 376 |
| Net operating income to assets | -1.9983% | 7,464 |
| Return on assets (ROA) | -1.9983% | 7,465 |
| Pretax return on assets | -1.9983% | 7,414 |
| Return on Equity (ROE) | -13.8509% | 7,287 |
| Retained earnings to average equity (ytd only) | -22.1936% | 7,419 |
| Net charge-offs to loans | 1.7466% | 993 |
| Credit loss provision to net charge-offs | 204.8951% | 1,818 |
| Earnings coverage of net charge-offs (x) | 0.5455% | 4,548 |
| Efficiency ratio | 75.5034% | 3,303 |
| Assets per employee ($millions) | 2.6143% | 7,012 |
| Cash dividends to net income (ytd only)* | -60.2326% | 7,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4120% | 577 |
| Loan loss allowance to noncurrent loans | 40.1948% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 7.6692% | 651 |
| Noncurrent loans to loans | 8.4888% | 613 |
| Net loans and leases to total assets | 75.3894% | 1,662 |
| Net loans and leases to deposits | 88.4448% | 2,147 |
| Net loans and leases to core deposits | 103.2208% | 1,803 |
| Total domestic deposits to total assets | 85.2389% | 3,543 |
| Equity capital to assets | 14.4300% | 1,025 |
| Core capital (leverage) ratio | 9.3006% | 4,057 |
| Tier 1 risk-based capital ratio | 11.9823% | 5,211 |
| Total risk-based capital ratio | 13.2677% | 5,140 |
| Memoranda: | ||
| Average total assets | $86,074,500 | 5,570 |
| Average earning assets | $76,906,000 | 5,606 |
| Average equity | $12,418,000 | 4,612 |
| Average total loans | $65,498,500 | 5,017 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5651% | 3,786 |
| Cost of funding earning assets | 1.2953% | 6,322 |
| Net interest margin | 4.2698% | 1,819 |
| Noninterest income to average assets | 1.0877% | 1,303 |
| Noninterest expense to average assets | 3.4718% | 2,448 |
| Loan and lease loss provision to assets | 0.4626% | 4,058 |
| Net operating income to assets | 0.9655% | 1,960 |
| Return on assets (ROA) | 0.9655% | 2,012 |
| Pretax return on assets | 0.9655% | 2,712 |
| Return on Equity (ROE) | 6.3721% | 3,045 |
| Retained earnings to average equity (ytd only) | 0.8063% | 4,451 |
| Net charge-offs to loans | -0.0258% | 7,805 |
| Credit loss provision to net charge-offs | -2,437.5000% | 7,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7785% | 5,628 |
| Assets per employee ($millions) | 2.8545% | 6,552 |
| Cash dividends to net income (ytd only)* | 87.3464% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9346% | 818 |
| Loan loss allowance to noncurrent loans | 61.9537% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 4.5677% | 1,410 |
| Noncurrent loans to loans | 4.7368% | 1,468 |
| Net loans and leases to total assets | 72.0658% | 2,741 |
| Net loans and leases to deposits | 84.4727% | 3,186 |
| Net loans and leases to core deposits | 113.0170% | 2,600 |
| Total domestic deposits to total assets | 85.3125% | 3,406 |
| Equity capital to assets | 14.4242% | 1,044 |
| Core capital (leverage) ratio | 10.3685% | 2,717 |
| Tier 1 risk-based capital ratio | 12.5042% | 4,520 |
| Total risk-based capital ratio | 13.7742% | 4,448 |
| Memoranda: | ||
| Average total assets | $84,308,000 | 5,584 |
| Average earning assets | $75,272,800 | 5,626 |
| Average equity | $12,774,400 | 4,562 |
| Average total loans | $62,115,400 | 5,168 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7421% | 3,127 |
| Cost of funding earning assets | 1.3588% | 6,372 |
| Net interest margin | 4.3833% | 1,484 |
| Noninterest income to average assets | 1.0937% | 1,330 |
| Noninterest expense to average assets | 3.5021% | 2,279 |
| Loan and lease loss provision to assets | 0.3603% | 4,162 |
| Net operating income to assets | 1.1417% | 1,603 |
| Return on assets (ROA) | 1.1417% | 1,676 |
| Pretax return on assets | 1.1417% | 2,443 |
| Return on Equity (ROE) | 7.4402% | 2,891 |
| Retained earnings to average equity (ytd only) | 1.9514% | 4,237 |
| Net charge-offs to loans | -0.0087% | 7,671 |
| Credit loss provision to net charge-offs | -5,625.0000% | 7,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9680% | 5,761 |
| Assets per employee ($millions) | 2.6301% | 6,989 |
| Cash dividends to net income (ytd only)* | 73.7735% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6944% | 891 |
| Loan loss allowance to noncurrent loans | 224.7754% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 2.0102% | 3,331 |
| Noncurrent loans to loans | 1.1987% | 4,944 |
| Net loans and leases to total assets | 77.5588% | 1,658 |
| Net loans and leases to deposits | 92.4462% | 2,163 |
| Net loans and leases to core deposits | 128.6173% | 1,529 |
| Total domestic deposits to total assets | 83.8961% | 3,768 |
| Equity capital to assets | 15.7605% | 839 |
| Core capital (leverage) ratio | 10.7210% | 2,626 |
| Tier 1 risk-based capital ratio | 12.9802% | 4,203 |
| Total risk-based capital ratio | 14.2484% | 4,126 |
| Memoranda: | ||
| Average total assets | $83,262,500 | 5,644 |
| Average earning assets | $74,280,500 | 5,706 |
| Average equity | $12,777,000 | 4,590 |
| Average total loans | $61,219,500 | 5,235 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5827% | 4,161 |
| Cost of funding earning assets | 1.4117% | 6,441 |
| Net interest margin | 4.1710% | 2,091 |
| Noninterest income to average assets | 1.0377% | 1,472 |
| Noninterest expense to average assets | 3.4614% | 2,455 |
| Loan and lease loss provision to assets | 0.3817% | 3,634 |
| Net operating income to assets | 0.9160% | 2,390 |
| Return on assets (ROA) | 0.9160% | 2,488 |
| Pretax return on assets | 0.9160% | 3,284 |
| Return on Equity (ROE) | 6.0223% | 3,637 |
| Retained earnings to average equity (ytd only) | 1.0037% | 4,771 |
| Net charge-offs to loans | -0.0233% | 7,727 |
| Credit loss provision to net charge-offs | -2,285.7143% | 7,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4160% | 5,469 |
| Assets per employee ($millions) | 2.7021% | 6,827 |
| Cash dividends to net income (ytd only)* | 83.3333% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6996% | 749 |
| Loan loss allowance to noncurrent loans | 213.2576% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 1.7871% | 3,497 |
| Noncurrent loans to loans | 1.2659% | 4,670 |
| Net loans and leases to total assets | 72.6747% | 3,043 |
| Net loans and leases to deposits | 86.1815% | 3,522 |
| Net loans and leases to core deposits | 113.7423% | 2,938 |
| Total domestic deposits to total assets | 84.3276% | 3,583 |
| Equity capital to assets | 15.2164% | 983 |
| Core capital (leverage) ratio | 10.7836% | 2,582 |
| Tier 1 risk-based capital ratio | 13.1563% | 4,029 |
| Total risk-based capital ratio | 14.4272% | 3,941 |
| Memoranda: | ||
| Average total assets | $83,839,000 | 5,663 |
| Average earning assets | $74,802,330 | 5,716 |
| Average equity | $12,752,670 | 4,612 |
| Average total loans | $59,963,670 | 5,337 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6393% | 4,112 |
| Cost of funding earning assets | 1.5156% | 6,360 |
| Net interest margin | 4.1237% | 2,198 |
| Noninterest income to average assets | 1.0062% | 1,466 |
| Noninterest expense to average assets | 3.3240% | 2,587 |
| Loan and lease loss provision to assets | 0.4292% | 2,779 |
| Net operating income to assets | 0.9252% | 2,595 |
| Return on assets (ROA) | 0.9252% | 2,731 |
| Pretax return on assets | 0.9252% | 3,619 |
| Return on Equity (ROE) | 6.0834% | 4,005 |
| Retained earnings to average equity (ytd only) | 2.2264% | 4,634 |
| Net charge-offs to loans | -0.1227% | 7,931 |
| Credit loss provision to net charge-offs | -500.0000% | 6,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6279% | 5,573 |
| Assets per employee ($millions) | 2.4776% | 7,327 |
| Cash dividends to net income (ytd only)* | 63.4021% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7582% | 601 |
| Loan loss allowance to noncurrent loans | 223.9011% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 1.9651% | 2,957 |
| Noncurrent loans to loans | 1.2319% | 4,506 |
| Net loans and leases to total assets | 72.4830% | 3,129 |
| Net loans and leases to deposits | 86.8237% | 3,505 |
| Net loans and leases to core deposits | 110.0628% | 3,432 |
| Total domestic deposits to total assets | 83.4830% | 3,923 |
| Equity capital to assets | 16.1222% | 856 |
| Core capital (leverage) ratio | 10.6154% | 2,818 |
| Tier 1 risk-based capital ratio | 13.6056% | 3,797 |
| Total risk-based capital ratio | 14.8732% | 3,708 |
| Memoranda: | ||
| Average total assets | $83,876,000 | 5,675 |
| Average earning assets | $74,690,500 | 5,744 |
| Average equity | $12,756,000 | 4,638 |
| Average total loans | $58,663,000 | 5,419 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4986% | 2,968 |
| Cost of funding earning assets | 2.1870% | 5,658 |
| Net interest margin | 4.3116% | 1,940 |
| Noninterest income to average assets | 1.0964% | 1,309 |
| Noninterest expense to average assets | 3.2188% | 3,266 |
| Loan and lease loss provision to assets | 0.4951% | 2,836 |
| Net operating income to assets | 1.0940% | 2,169 |
| Return on assets (ROA) | 1.0940% | 2,085 |
| Pretax return on assets | 1.0940% | 3,046 |
| Return on Equity (ROE) | 7.1720% | 3,441 |
| Retained earnings to average equity (ytd only) | -2.0100% | 5,871 |
| Net charge-offs to loans | 0.5617% | 2,132 |
| Credit loss provision to net charge-offs | 129.6875% | 4,104 |
| Earnings coverage of net charge-offs (x) | 4.1625% | 4,081 |
| Efficiency ratio | 60.7196% | 6,219 |
| Assets per employee ($millions) | 2.6809% | 6,825 |
| Cash dividends to net income (ytd only)* | 128.0262% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6138% | 605 |
| Loan loss allowance to noncurrent loans | 121.4685% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 2.2697% | 2,147 |
| Noncurrent loans to loans | 2.1518% | 2,559 |
| Net loans and leases to total assets | 64.0986% | 5,252 |
| Net loans and leases to deposits | 75.2135% | 5,700 |
| Net loans and leases to core deposits | 95.2036% | 5,329 |
| Total domestic deposits to total assets | 85.2221% | 2,739 |
| Equity capital to assets | 14.3891% | 1,328 |
| Core capital (leverage) ratio | 10.4784% | 2,991 |
| Tier 1 risk-based capital ratio | 13.0627% | 4,079 |
| Total risk-based capital ratio | 14.3267% | 3,977 |
| Memoranda: | ||
| Average total assets | $83,820,800 | 5,570 |
| Average earning assets | $72,154,200 | 5,734 |
| Average equity | $12,785,800 | 4,625 |
| Average total loans | $56,970,400 | 5,409 |