Home > Bar Harbor Savings and Loan Association > Performance and Condition Ratios
Bar Harbor Savings and Loan Association, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4596% | 3,917 |
| Cost of funding earning assets | 3.4069% | 225 |
| Net interest margin | 1.0527% | 4,427 |
| Noninterest income to average assets | 0.0700% | 4,316 |
| Noninterest expense to average assets | 1.7420% | 4,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | -0.5198% | 4,347 |
| Return on assets (ROA) | -0.5198% | 4,377 |
| Pretax return on assets | -0.6604% | 4,382 |
| Return on Equity (ROE) | -4.3900% | 4,344 |
| Retained earnings to average equity (ytd only) | -4.3871% | 4,264 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 161.5036% | 68 |
| Assets per employee ($millions) | 11.0891% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8228% | 3,816 |
| Loan loss allowance to noncurrent loans | 49.5798% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 1.4308% | 402 |
| Noncurrent loans to loans | 1.6596% | 543 |
| Net loans and leases to total assets | 85.5100% | 182 |
| Net loans and leases to deposits | 112.6396% | 144 |
| Net loans and leases to core deposits | 145.5783% | 193 |
| Total domestic deposits to total assets | 75.9100% | 3,956 |
| Equity capital to assets | 11.8445% | 1,241 |
| Core capital (leverage) ratio | 12.0663% | 1,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $102,355,200 | 3,756 |
| Average earning assets | $98,506,000 | 3,710 |
| Average equity | $12,126,400 | 3,591 |
| Average total loans | $87,296,600 | 3,337 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4144% | 3,939 |
| Cost of funding earning assets | 3.4123% | 233 |
| Net interest margin | 1.0020% | 4,462 |
| Noninterest income to average assets | 0.0600% | 4,350 |
| Noninterest expense to average assets | 1.7632% | 3,982 |
| Loan and lease loss provision to assets | -0.0400% | 4,275 |
| Net operating income to assets | -0.5334% | 4,389 |
| Return on assets (ROA) | -0.5334% | 4,414 |
| Pretax return on assets | -0.7029% | 4,427 |
| Return on Equity (ROE) | -4.5000% | 4,373 |
| Retained earnings to average equity (ytd only) | -4.5016% | 4,317 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 172.4051% | 60 |
| Assets per employee ($millions) | 12.6324% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7930% | 3,922 |
| Loan loss allowance to noncurrent loans | 41.5771% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.6565% | 284 |
| Noncurrent loans to loans | 1.9073% | 419 |
| Net loans and leases to total assets | 86.1600% | 144 |
| Net loans and leases to deposits | 114.2001% | 121 |
| Net loans and leases to core deposits | 148.1589% | 185 |
| Total domestic deposits to total assets | 75.4500% | 3,961 |
| Equity capital to assets | 11.8634% | 1,331 |
| Core capital (leverage) ratio | 11.9068% | 1,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $102,993,500 | 3,766 |
| Average earning assets | $99,128,500 | 3,720 |
| Average equity | $12,202,750 | 3,589 |
| Average total loans | $87,609,250 | 3,339 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3217% | 4,004 |
| Cost of funding earning assets | 3.3671% | 231 |
| Net interest margin | 0.9546% | 4,484 |
| Noninterest income to average assets | 0.0600% | 4,367 |
| Noninterest expense to average assets | 1.7928% | 3,947 |
| Loan and lease loss provision to assets | -0.4100% | 4,494 |
| Net operating income to assets | -0.2277% | 4,352 |
| Return on assets (ROA) | -0.2277% | 4,378 |
| Pretax return on assets | -0.4072% | 4,406 |
| Return on Equity (ROE) | -1.9200% | 4,342 |
| Retained earnings to average equity (ytd only) | -1.9228% | 4,134 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 183.5968% | 61 |
| Assets per employee ($millions) | 12.8650% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5944% | 4,248 |
| Loan loss allowance to noncurrent loans | 28.6495% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 1.7771% | 233 |
| Noncurrent loans to loans | 2.0747% | 359 |
| Net loans and leases to total assets | 85.1500% | 213 |
| Net loans and leases to deposits | 114.4394% | 146 |
| Net loans and leases to core deposits | 149.2193% | 185 |
| Total domestic deposits to total assets | 74.4000% | 4,032 |
| Equity capital to assets | 11.8432% | 1,225 |
| Core capital (leverage) ratio | 12.1234% | 1,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $103,638,333 | 3,775 |
| Average earning assets | $99,729,333 | 3,730 |
| Average equity | $12,274,000 | 3,568 |
| Average total loans | $87,556,000 | 3,342 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2812% | 3,979 |
| Cost of funding earning assets | 3.3147% | 232 |
| Net interest margin | 0.9665% | 4,515 |
| Noninterest income to average assets | 0.0700% | 4,325 |
| Noninterest expense to average assets | 1.7270% | 4,059 |
| Loan and lease loss provision to assets | -0.6200% | 4,570 |
| Net operating income to assets | 0.0615% | 4,158 |
| Return on assets (ROA) | 0.0615% | 4,197 |
| Pretax return on assets | -0.1154% | 4,323 |
| Return on Equity (ROE) | 0.5200% | 4,195 |
| Retained earnings to average equity (ytd only) | 0.5196% | 3,586 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 173.3591% | 36 |
| Assets per employee ($millions) | 12.8490% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6225% | 4,207 |
| Loan loss allowance to noncurrent loans | 65.4306% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.8133% | 738 |
| Noncurrent loans to loans | 0.9514% | 914 |
| Net loans and leases to total assets | 84.9600% | 213 |
| Net loans and leases to deposits | 116.4562% | 110 |
| Net loans and leases to core deposits | 149.3280% | 207 |
| Total domestic deposits to total assets | 72.9500% | 4,186 |
| Equity capital to assets | 11.9824% | 1,124 |
| Core capital (leverage) ratio | 12.1806% | 1,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $103,997,500 | 3,797 |
| Average earning assets | $100,159,500 | 3,748 |
| Average equity | $12,316,500 | 3,571 |
| Average total loans | $87,256,000 | 3,354 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0550% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 68,538.0000% | 20 |
| Cost of funding earning assets | -313.0000% | 4,610 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | -0.0087% | 4,376 |
| Pretax return on assets | -0.1151% | 4,405 |
| Return on Equity (ROE) | -0.0700% | 4,349 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 17.5522% | 4,530 |
| Assets per employee ($millions) | 0.1216% | 4,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 4,307.0000% | 24 |
| Total domestic deposits to total assets | 0.0000% | 4,545 |
| Equity capital to assets | 40,052.0000% | 19 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $12,889,000 | 4,555 |
| Average earning assets | $3,327 | 4,582 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8435% | 4,066 |
| Cost of funding earning assets | 2.2657% | 439 |
| Net interest margin | 1.5778% | 4,515 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 1.8421% | 3,896 |
| Loan and lease loss provision to assets | -0.4500% | 4,609 |
| Net operating income to assets | 0.2152% | 4,216 |
| Return on assets (ROA) | 0.2152% | 4,231 |
| Pretax return on assets | 0.1919% | 4,266 |
| Return on Equity (ROE) | 1.7600% | 4,229 |
| Retained earnings to average equity (ytd only) | 1.7617% | 3,779 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 116.0000% | 85 |
| Assets per employee ($millions) | 9.4735% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6048% | 4,260 |
| Loan loss allowance to noncurrent loans | 74.5714% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 0.6717% | 851 |
| Noncurrent loans to loans | 0.8110% | 1,024 |
| Net loans and leases to total assets | 82.3300% | 414 |
| Net loans and leases to deposits | 116.2268% | 107 |
| Net loans and leases to core deposits | 148.8600% | 155 |
| Total domestic deposits to total assets | 70.8400% | 4,300 |
| Equity capital to assets | 12.1181% | 1,013 |
| Core capital (leverage) ratio | 12.5031% | 1,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $102,850,000 | 3,820 |
| Average earning assets | $99,040,000 | 3,769 |
| Average equity | $12,563,000 | 3,465 |
| Average total loans | $83,884,000 | 3,369 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8134% | 4,000 |
| Cost of funding earning assets | 2.0294% | 469 |
| Net interest margin | 1.7840% | 4,542 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 1.8301% | 3,941 |
| Loan and lease loss provision to assets | -0.2200% | 4,617 |
| Net operating income to assets | 0.1875% | 4,293 |
| Return on assets (ROA) | 0.1875% | 4,315 |
| Pretax return on assets | 0.1660% | 4,352 |
| Return on Equity (ROE) | 1.5300% | 4,322 |
| Retained earnings to average equity (ytd only) | 1.5309% | 3,820 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 102.8540% | 143 |
| Assets per employee ($millions) | 10.1981% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8942% | 3,802 |
| Loan loss allowance to noncurrent loans | 107.2443% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.6903% | 761 |
| Noncurrent loans to loans | 0.8338% | 917 |
| Net loans and leases to total assets | 82.0600% | 420 |
| Net loans and leases to deposits | 114.2448% | 146 |
| Net loans and leases to core deposits | 143.9988% | 185 |
| Total domestic deposits to total assets | 71.8300% | 4,299 |
| Equity capital to assets | 12.2925% | 976 |
| Core capital (leverage) ratio | 12.5203% | 1,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $102,397,333 | 3,840 |
| Average earning assets | $98,652,000 | 3,790 |
| Average equity | $12,541,333 | 3,482 |
| Average total loans | $83,073,333 | 3,378 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7310% | 3,979 |
| Cost of funding earning assets | 1.7261% | 533 |
| Net interest margin | 2.0050% | 4,564 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 1.8868% | 3,880 |
| Loan and lease loss provision to assets | -0.3900% | 4,651 |
| Net operating income to assets | 0.4795% | 3,948 |
| Return on assets (ROA) | 0.4795% | 3,905 |
| Pretax return on assets | 0.4951% | 3,996 |
| Return on Equity (ROE) | 3.9200% | 4,048 |
| Retained earnings to average equity (ytd only) | 3.9222% | 3,291 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 94.7162% | 240 |
| Assets per employee ($millions) | 10.4143% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9216% | 3,796 |
| Loan loss allowance to noncurrent loans | 107.8873% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.6818% | 726 |
| Noncurrent loans to loans | 0.8542% | 891 |
| Net loans and leases to total assets | 79.0800% | 631 |
| Net loans and leases to deposits | 107.7793% | 218 |
| Net loans and leases to core deposits | 135.9707% | 219 |
| Total domestic deposits to total assets | 73.3700% | 4,311 |
| Equity capital to assets | 12.1276% | 963 |
| Core capital (leverage) ratio | 12.6732% | 1,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $102,605,500 | 3,885 |
| Average earning assets | $98,953,500 | 3,832 |
| Average equity | $12,544,000 | 3,515 |
| Average total loans | $82,391,500 | 3,426 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1692% | 3,872 |
| Cost of funding earning assets | 0.9633% | 192 |
| Net interest margin | 2.2059% | 4,474 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 1.7292% | 4,127 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.3119% | 4,355 |
| Return on assets (ROA) | 0.3119% | 4,327 |
| Pretax return on assets | 0.3943% | 4,281 |
| Return on Equity (ROE) | 2.5300% | 4,338 |
| Retained earnings to average equity (ytd only) | 2.5285% | 3,848 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.6360% | 813 |
| Assets per employee ($millions) | 10.1068% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 3,107 |
| Loan loss allowance to noncurrent loans | 121.1268% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.7025% | 685 |
| Noncurrent loans to loans | 0.8694% | 861 |
| Net loans and leases to total assets | 79.9500% | 598 |
| Net loans and leases to deposits | 109.9029% | 156 |
| Net loans and leases to core deposits | 126.7370% | 267 |
| Total domestic deposits to total assets | 72.7500% | 4,403 |
| Equity capital to assets | 12.3264% | 844 |
| Core capital (leverage) ratio | 12.6699% | 1,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $100,681,400 | 3,921 |
| Average earning assets | $97,375,200 | 3,862 |
| Average equity | $12,418,400 | 3,627 |
| Average total loans | $73,797,000 | 3,507 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0195% | 3,855 |
| Cost of funding earning assets | 0.8700% | 120 |
| Net interest margin | 2.1496% | 4,490 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 1.6834% | 4,179 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.2956% | 4,385 |
| Return on assets (ROA) | 0.2956% | 4,343 |
| Pretax return on assets | 0.3910% | 4,273 |
| Return on Equity (ROE) | 2.4000% | 4,367 |
| Retained earnings to average equity (ytd only) | 2.3961% | 3,941 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.2984% | 893 |
| Assets per employee ($millions) | 10.0514% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0913% | 3,057 |
| Loan loss allowance to noncurrent loans | 142.7844% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.5860% | 901 |
| Noncurrent loans to loans | 0.7643% | 1,062 |
| Net loans and leases to total assets | 75.8300% | 924 |
| Net loans and leases to deposits | 99.9462% | 363 |
| Net loans and leases to core deposits | 115.0206% | 345 |
| Total domestic deposits to total assets | 75.8700% | 4,372 |
| Equity capital to assets | 12.2560% | 829 |
| Core capital (leverage) ratio | 12.7928% | 966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $100,584,750 | 3,948 |
| Average earning assets | $97,319,000 | 3,886 |
| Average equity | $12,408,500 | 3,665 |
| Average total loans | $71,830,000 | 3,556 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8976% | 3,791 |
| Cost of funding earning assets | 0.8502% | 74 |
| Net interest margin | 2.0475% | 4,535 |
| Noninterest income to average assets | 0.0716% | 4,577 |
| Noninterest expense to average assets | 1.6142% | 4,290 |
| Loan and lease loss provision to assets | 0.0398% | 1,868 |
| Net operating income to assets | 0.3101% | 4,273 |
| Return on assets (ROA) | 0.3101% | 4,223 |
| Pretax return on assets | 0.3996% | 4,159 |
| Return on Equity (ROE) | 2.5084% | 4,293 |
| Retained earnings to average equity (ytd only) | 2.5084% | 3,615 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6060% | 1,048 |
| Assets per employee ($millions) | 10.0800% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 3,135 |
| Loan loss allowance to noncurrent loans | 172.5322% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.4623% | 1,219 |
| Noncurrent loans to loans | 0.6422% | 1,329 |
| Net loans and leases to total assets | 71.1865% | 1,188 |
| Net loans and leases to deposits | 91.3810% | 638 |
| Net loans and leases to core deposits | 105.1632% | 475 |
| Total domestic deposits to total assets | 77.9008% | 4,358 |
| Equity capital to assets | 12.3075% | 797 |
| Core capital (leverage) ratio | 12.7713% | 882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,608,333 | 3,981 |
| Average earning assets | $97,389,333 | 3,939 |
| Average equity | $12,438,333 | 3,743 |
| Average total loans | $70,085,333 | 3,619 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8318% | 3,677 |
| Cost of funding earning assets | 0.8467% | 67 |
| Net interest margin | 1.9852% | 4,525 |
| Noninterest income to average assets | 0.0796% | 4,577 |
| Noninterest expense to average assets | 1.7829% | 3,978 |
| Loan and lease loss provision to assets | 0.0040% | 2,233 |
| Net operating income to assets | 0.1751% | 4,365 |
| Return on assets (ROA) | 0.1751% | 4,334 |
| Pretax return on assets | 0.2149% | 4,309 |
| Return on Equity (ROE) | 1.4131% | 4,357 |
| Retained earnings to average equity (ytd only) | 1.4131% | 3,717 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0656% | 591 |
| Assets per employee ($millions) | 10.0633% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 3,154 |
| Loan loss allowance to noncurrent loans | 145.6401% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.5356% | 1,121 |
| Noncurrent loans to loans | 0.7826% | 1,215 |
| Net loans and leases to total assets | 67.6627% | 1,247 |
| Net loans and leases to deposits | 86.5142% | 705 |
| Net loans and leases to core deposits | 100.2267% | 507 |
| Total domestic deposits to total assets | 78.2099% | 4,392 |
| Equity capital to assets | 12.2912% | 862 |
| Core capital (leverage) ratio | 12.6477% | 858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,512,500 | 4,000 |
| Average earning assets | $97,322,000 | 3,958 |
| Average equity | $12,454,500 | 3,818 |
| Average total loans | $68,848,000 | 3,640 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0417% | 3,798 |
| Cost of funding earning assets | 1.0346% | 65 |
| Net interest margin | 2.0071% | 4,599 |
| Noninterest income to average assets | 0.1234% | 4,521 |
| Noninterest expense to average assets | 1.7156% | 4,273 |
| Loan and lease loss provision to assets | -0.0079% | 4,156 |
| Net operating income to assets | 0.2902% | 4,431 |
| Return on assets (ROA) | 0.2902% | 4,455 |
| Pretax return on assets | 0.3593% | 4,433 |
| Return on Equity (ROE) | 2.3695% | 4,457 |
| Retained earnings to average equity (ytd only) | 2.3695% | 3,866 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9990% | 621 |
| Assets per employee ($millions) | 9.1265% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 3,177 |
| Loan loss allowance to noncurrent loans | 144.9168% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.5389% | 1,226 |
| Noncurrent loans to loans | 0.7861% | 1,296 |
| Net loans and leases to total assets | 67.7703% | 1,297 |
| Net loans and leases to deposits | 85.8022% | 798 |
| Net loans and leases to core deposits | 99.2632% | 569 |
| Total domestic deposits to total assets | 78.9844% | 4,321 |
| Equity capital to assets | 12.4910% | 1,066 |
| Core capital (leverage) ratio | 12.4699% | 940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,303,400 | 3,976 |
| Average earning assets | $98,103,200 | 3,924 |
| Average equity | $12,407,800 | 3,892 |
| Average total loans | $68,489,800 | 3,674 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0768% | 3,860 |
| Cost of funding earning assets | 1.0848% | 58 |
| Net interest margin | 1.9920% | 4,684 |
| Noninterest income to average assets | 0.1103% | 4,626 |
| Noninterest expense to average assets | 1.6848% | 4,352 |
| Loan and lease loss provision to assets | -0.0187% | 4,350 |
| Net operating income to assets | 0.3112% | 4,506 |
| Return on assets (ROA) | 0.3112% | 4,529 |
| Pretax return on assets | 0.3729% | 4,525 |
| Return on Equity (ROE) | 2.5535% | 4,519 |
| Retained earnings to average equity (ytd only) | 2.5535% | 4,040 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6143% | 602 |
| Assets per employee ($millions) | 9.1403% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 3,219 |
| Loan loss allowance to noncurrent loans | 167.3118% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.4625% | 1,645 |
| Noncurrent loans to loans | 0.6855% | 1,607 |
| Net loans and leases to total assets | 66.6929% | 1,464 |
| Net loans and leases to deposits | 83.4298% | 1,003 |
| Net loans and leases to core deposits | 96.7019% | 714 |
| Total domestic deposits to total assets | 79.9389% | 4,234 |
| Equity capital to assets | 12.4385% | 1,204 |
| Core capital (leverage) ratio | 12.4772% | 990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,531,250 | 4,028 |
| Average earning assets | $98,323,750 | 3,973 |
| Average equity | $12,374,750 | 3,944 |
| Average total loans | $68,407,250 | 3,734 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1317% | 3,801 |
| Cost of funding earning assets | 1.1513% | 56 |
| Net interest margin | 1.9804% | 4,716 |
| Noninterest income to average assets | 0.1001% | 4,688 |
| Noninterest expense to average assets | 1.8142% | 4,156 |
| Loan and lease loss provision to assets | -0.0059% | 4,398 |
| Net operating income to assets | 0.1846% | 4,647 |
| Return on assets (ROA) | 0.1846% | 4,662 |
| Pretax return on assets | 0.2101% | 4,662 |
| Return on Equity (ROE) | 1.5246% | 4,646 |
| Retained earnings to average equity (ytd only) | 1.5246% | 4,237 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8833% | 350 |
| Assets per employee ($millions) | 9.1554% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1500% | 3,193 |
| Loan loss allowance to noncurrent loans | 122.7061% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.6385% | 1,303 |
| Noncurrent loans to loans | 0.9372% | 1,319 |
| Net loans and leases to total assets | 67.3415% | 1,534 |
| Net loans and leases to deposits | 83.4921% | 1,096 |
| Net loans and leases to core deposits | 97.8615% | 727 |
| Total domestic deposits to total assets | 80.6561% | 4,132 |
| Equity capital to assets | 12.2938% | 1,222 |
| Core capital (leverage) ratio | 12.1305% | 1,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,860,667 | 4,050 |
| Average earning assets | $98,667,000 | 3,987 |
| Average equity | $12,331,000 | 3,956 |
| Average total loans | $68,598,667 | 3,751 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2442% | 3,596 |
| Cost of funding earning assets | 1.1889% | 57 |
| Net interest margin | 2.0553% | 4,702 |
| Noninterest income to average assets | 0.0742% | 4,785 |
| Noninterest expense to average assets | 1.8509% | 4,106 |
| Loan and lease loss provision to assets | -0.0156% | 4,593 |
| Net operating income to assets | 0.2109% | 4,628 |
| Return on assets (ROA) | 0.2109% | 4,653 |
| Pretax return on assets | 0.2304% | 4,660 |
| Return on Equity (ROE) | 1.7552% | 4,632 |
| Retained earnings to average equity (ytd only) | 1.7552% | 4,063 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6030% | 381 |
| Assets per employee ($millions) | 9.2179% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 3,175 |
| Loan loss allowance to noncurrent loans | 80.3262% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 0.9675% | 857 |
| Noncurrent loans to loans | 1.4362% | 879 |
| Net loans and leases to total assets | 66.5858% | 1,722 |
| Net loans and leases to deposits | 82.3486% | 1,311 |
| Net loans and leases to core deposits | 97.8989% | 809 |
| Total domestic deposits to total assets | 80.8584% | 4,086 |
| Equity capital to assets | 12.1621% | 1,218 |
| Core capital (leverage) ratio | 11.9458% | 1,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,436,500 | 4,044 |
| Average earning assets | $99,255,000 | 3,986 |
| Average equity | $12,306,000 | 3,969 |
| Average total loans | $68,594,000 | 3,765 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6280% | 3,740 |
| Cost of funding earning assets | 1.5102% | 80 |
| Net interest margin | 2.1179% | 4,797 |
| Noninterest income to average assets | 0.3108% | 3,625 |
| Noninterest expense to average assets | 1.8441% | 4,399 |
| Loan and lease loss provision to assets | -0.0078% | 4,904 |
| Net operating income to assets | 0.4263% | 4,194 |
| Return on assets (ROA) | 0.4263% | 4,273 |
| Pretax return on assets | 0.5254% | 4,227 |
| Return on Equity (ROE) | 3.6410% | 4,240 |
| Retained earnings to average equity (ytd only) | 3.6410% | 3,019 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0839% | 1,022 |
| Assets per employee ($millions) | 10.3476% | 476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 3,210 |
| Loan loss allowance to noncurrent loans | 79.4383% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 0.9635% | 1,000 |
| Noncurrent loans to loans | 1.4474% | 932 |
| Net loans and leases to total assets | 65.8046% | 2,122 |
| Net loans and leases to deposits | 82.9106% | 1,557 |
| Net loans and leases to core deposits | 98.4003% | 991 |
| Total domestic deposits to total assets | 79.3682% | 4,156 |
| Equity capital to assets | 11.8675% | 1,639 |
| Core capital (leverage) ratio | 11.8630% | 1,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4600% | 305 |
| Memoranda: | ||
| Average total assets | $102,975,800 | 3,956 |
| Average earning assets | $99,723,000 | 3,899 |
| Average equity | $12,057,000 | 3,966 |
| Average total loans | $72,407,800 | 3,681 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7129% | 3,772 |
| Cost of funding earning assets | 1.5706% | 87 |
| Net interest margin | 2.1423% | 4,838 |
| Noninterest income to average assets | 0.2670% | 3,867 |
| Noninterest expense to average assets | 1.7436% | 4,574 |
| Loan and lease loss provision to assets | -0.0107% | 4,963 |
| Net operating income to assets | 0.4978% | 4,045 |
| Return on assets (ROA) | 0.4978% | 4,127 |
| Pretax return on assets | 0.6080% | 4,089 |
| Return on Equity (ROE) | 4.2661% | 4,107 |
| Retained earnings to average equity (ytd only) | 4.2661% | 2,916 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4740% | 1,360 |
| Assets per employee ($millions) | 10.1893% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 3,147 |
| Loan loss allowance to noncurrent loans | 67.9245% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.1443% | 908 |
| Noncurrent loans to loans | 1.6354% | 856 |
| Net loans and leases to total assets | 69.1961% | 2,076 |
| Net loans and leases to deposits | 88.6834% | 1,405 |
| Net loans and leases to core deposits | 103.2132% | 971 |
| Total domestic deposits to total assets | 78.0260% | 4,198 |
| Equity capital to assets | 11.9949% | 1,680 |
| Core capital (leverage) ratio | 11.7742% | 1,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4916% | 350 |
| Memoranda: | ||
| Average total assets | $102,850,750 | 3,956 |
| Average earning assets | $99,578,500 | 3,898 |
| Average equity | $12,001,250 | 3,979 |
| Average total loans | $73,288,750 | 3,685 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7815% | 3,913 |
| Cost of funding earning assets | 1.6235% | 99 |
| Net interest margin | 2.1580% | 4,895 |
| Noninterest income to average assets | 0.1939% | 4,307 |
| Noninterest expense to average assets | 1.7912% | 4,572 |
| Loan and lease loss provision to assets | -0.0426% | 5,016 |
| Net operating income to assets | 0.4478% | 4,133 |
| Return on assets (ROA) | 0.4478% | 4,196 |
| Pretax return on assets | 0.5350% | 4,191 |
| Return on Equity (ROE) | 3.8733% | 4,141 |
| Retained earnings to average equity (ytd only) | 3.8733% | 2,972 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4380% | 1,011 |
| Assets per employee ($millions) | 10.2926% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0720% | 3,222 |
| Loan loss allowance to noncurrent loans | 67.4761% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.1202% | 1,017 |
| Noncurrent loans to loans | 1.5887% | 935 |
| Net loans and leases to total assets | 69.7559% | 2,068 |
| Net loans and leases to deposits | 90.0050% | 1,356 |
| Net loans and leases to core deposits | 107.5288% | 837 |
| Total domestic deposits to total assets | 77.5023% | 4,255 |
| Equity capital to assets | 11.7201% | 1,823 |
| Core capital (leverage) ratio | 11.6321% | 1,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9864% | 367 |
| Memoranda: | ||
| Average total assets | $103,170,000 | 3,953 |
| Average earning assets | $99,908,333 | 3,881 |
| Average equity | $11,927,667 | 3,992 |
| Average total loans | $73,952,333 | 3,682 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8907% | 4,053 |
| Cost of funding earning assets | 1.6555% | 153 |
| Net interest margin | 2.2353% | 4,944 |
| Noninterest income to average assets | 0.2246% | 4,210 |
| Noninterest expense to average assets | 1.8588% | 4,589 |
| Loan and lease loss provision to assets | -0.1007% | 5,072 |
| Net operating income to assets | 0.5499% | 3,740 |
| Return on assets (ROA) | 0.5499% | 3,802 |
| Pretax return on assets | 0.6312% | 3,863 |
| Return on Equity (ROE) | 4.7892% | 3,713 |
| Retained earnings to average equity (ytd only) | 4.7892% | 2,370 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7958% | 1,363 |
| Assets per employee ($millions) | 10.3118% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 3,427 |
| Loan loss allowance to noncurrent loans | 71.7996% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.0454% | 1,257 |
| Noncurrent loans to loans | 1.4678% | 1,090 |
| Net loans and leases to total assets | 70.4707% | 2,180 |
| Net loans and leases to deposits | 91.8767% | 1,298 |
| Net loans and leases to core deposits | 109.4381% | 877 |
| Total domestic deposits to total assets | 76.7014% | 4,393 |
| Equity capital to assets | 11.5635% | 2,383 |
| Core capital (leverage) ratio | 11.5345% | 2,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3523% | 425 |
| Memoranda: | ||
| Average total assets | $103,292,000 | 3,943 |
| Average earning assets | $100,032,500 | 3,876 |
| Average equity | $11,860,000 | 4,014 |
| Average total loans | $74,641,000 | 3,673 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0663% | 4,114 |
| Cost of funding earning assets | 1.6579% | 234 |
| Net interest margin | 2.4085% | 5,010 |
| Noninterest income to average assets | 0.1881% | 4,535 |
| Noninterest expense to average assets | 1.9894% | 4,548 |
| Loan and lease loss provision to assets | -0.1075% | 5,087 |
| Net operating income to assets | 0.5153% | 4,373 |
| Return on assets (ROA) | 0.5153% | 4,424 |
| Pretax return on assets | 0.6372% | 4,356 |
| Return on Equity (ROE) | 4.6788% | 4,301 |
| Retained earnings to average equity (ytd only) | 4.6788% | 2,596 |
| Net charge-offs to loans | -0.0484% | 4,815 |
| Credit loss provision to net charge-offs | 280.0000% | 1,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9714% | 1,039 |
| Assets per employee ($millions) | 8.6222% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 3,191 |
| Loan loss allowance to noncurrent loans | 71.8778% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.0757% | 1,150 |
| Noncurrent loans to loans | 1.4676% | 991 |
| Net loans and leases to total assets | 72.5262% | 2,006 |
| Net loans and leases to deposits | 93.2081% | 1,227 |
| Net loans and leases to core deposits | 109.7397% | 868 |
| Total domestic deposits to total assets | 77.8111% | 4,393 |
| Equity capital to assets | 11.4008% | 2,625 |
| Core capital (leverage) ratio | 11.3531% | 2,212 |
| Tier 1 risk-based capital ratio | 23.9001% | 837 |
| Total risk-based capital ratio | 25.1568% | 822 |
| Memoranda: | ||
| Average total assets | $104,202,200 | 3,934 |
| Average earning assets | $100,853,200 | 3,856 |
| Average equity | $11,477,200 | 4,057 |
| Average total loans | $82,561,200 | 3,550 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0792% | 4,200 |
| Cost of funding earning assets | 1.6575% | 238 |
| Net interest margin | 2.4216% | 5,100 |
| Noninterest income to average assets | 0.0281% | 5,158 |
| Noninterest expense to average assets | 1.7997% | 4,815 |
| Loan and lease loss provision to assets | -0.0102% | 5,054 |
| Net operating income to assets | 0.4790% | 4,569 |
| Return on assets (ROA) | 0.4790% | 4,607 |
| Pretax return on assets | 0.5824% | 4,575 |
| Return on Equity (ROE) | 4.3868% | 4,509 |
| Retained earnings to average equity (ytd only) | 4.3868% | 3,204 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8751% | 1,349 |
| Assets per employee ($millions) | 8.6166% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 2,920 |
| Loan loss allowance to noncurrent loans | 77.6280% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.0764% | 1,220 |
| Noncurrent loans to loans | 1.4452% | 1,054 |
| Net loans and leases to total assets | 73.6477% | 1,888 |
| Net loans and leases to deposits | 94.6751% | 1,158 |
| Net loans and leases to core deposits | 111.0866% | 895 |
| Total domestic deposits to total assets | 77.7899% | 4,387 |
| Equity capital to assets | 11.2042% | 2,917 |
| Core capital (leverage) ratio | 11.2141% | 2,461 |
| Tier 1 risk-based capital ratio | 21.6811% | 1,115 |
| Total risk-based capital ratio | 22.9361% | 1,085 |
| Memoranda: | ||
| Average total assets | $104,386,250 | 3,972 |
| Average earning assets | $101,031,000 | 3,893 |
| Average equity | $11,397,500 | 4,108 |
| Average total loans | $84,241,500 | 3,559 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1178% | 4,117 |
| Cost of funding earning assets | 1.6258% | 246 |
| Net interest margin | 2.4920% | 5,128 |
| Noninterest income to average assets | 0.0210% | 5,214 |
| Noninterest expense to average assets | 1.8374% | 4,828 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4698% | 4,595 |
| Return on assets (ROA) | 0.4698% | 4,626 |
| Pretax return on assets | 0.5959% | 4,548 |
| Return on Equity (ROE) | 4.3405% | 4,515 |
| Retained earnings to average equity (ytd only) | 4.3405% | 3,092 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5102% | 1,456 |
| Assets per employee ($millions) | 8.7212% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1110% | 3,016 |
| Loan loss allowance to noncurrent loans | 185.1380% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.4501% | 2,716 |
| Noncurrent loans to loans | 0.6001% | 2,475 |
| Net loans and leases to total assets | 74.1653% | 1,864 |
| Net loans and leases to deposits | 94.9292% | 1,160 |
| Net loans and leases to core deposits | 113.2533% | 806 |
| Total domestic deposits to total assets | 78.1270% | 4,370 |
| Equity capital to assets | 10.9513% | 3,119 |
| Core capital (leverage) ratio | 10.8610% | 2,730 |
| Tier 1 risk-based capital ratio | 21.4443% | 1,126 |
| Total risk-based capital ratio | 22.6994% | 1,103 |
| Memoranda: | ||
| Average total assets | $104,715,330 | 3,989 |
| Average earning assets | $101,365,330 | 3,912 |
| Average equity | $11,335,000 | 4,125 |
| Average total loans | $86,650,330 | 3,538 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3290% | 3,470 |
| Cost of funding earning assets | 1.5731% | 249 |
| Net interest margin | 2.7559% | 5,021 |
| Noninterest income to average assets | 0.0076% | 5,298 |
| Noninterest expense to average assets | 1.8215% | 4,899 |
| Loan and lease loss provision to assets | 0.0687% | 2,284 |
| Net operating income to assets | 0.6034% | 4,233 |
| Return on assets (ROA) | 0.6034% | 4,272 |
| Pretax return on assets | 0.7867% | 4,076 |
| Return on Equity (ROE) | 5.6068% | 4,151 |
| Retained earnings to average equity (ytd only) | 5.6068% | 2,637 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0456% | 2,635 |
| Assets per employee ($millions) | 9.5738% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 3,792 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.5071% | 2,594 |
| Noncurrent loans to loans | 0.5920% | 2,564 |
| Net loans and leases to total assets | 84.8061% | 298 |
| Net loans and leases to deposits | 109.5746% | 226 |
| Net loans and leases to core deposits | 131.4460% | 291 |
| Total domestic deposits to total assets | 77.3957% | 4,608 |
| Equity capital to assets | 10.7794% | 3,064 |
| Core capital (leverage) ratio | 10.8081% | 2,758 |
| Tier 1 risk-based capital ratio | 20.1290% | 1,321 |
| Total risk-based capital ratio | 21.3836% | 1,284 |
| Memoranda: | ||
| Average total assets | $104,746,000 | 4,025 |
| Average earning assets | $101,454,500 | 3,950 |
| Average equity | $11,272,000 | 4,155 |
| Average total loans | $90,731,000 | 3,475 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3192% | 3,045 |
| Cost of funding earning assets | 1.3512% | 176 |
| Net interest margin | 2.9680% | 4,833 |
| Noninterest income to average assets | 0.0067% | 5,340 |
| Noninterest expense to average assets | 1.6154% | 5,162 |
| Loan and lease loss provision to assets | 0.0691% | 2,754 |
| Net operating income to assets | 0.9537% | 3,207 |
| Return on assets (ROA) | 0.9598% | 3,180 |
| Pretax return on assets | 1.2036% | 2,866 |
| Return on Equity (ROE) | 9.3372% | 2,820 |
| Retained earnings to average equity (ytd only) | 9.3372% | 772 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0813% | 4,399 |
| Assets per employee ($millions) | 10.4180% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9555% | 3,932 |
| Loan loss allowance to noncurrent loans | 160.0000% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.5231% | 2,498 |
| Noncurrent loans to loans | 0.5972% | 2,493 |
| Net loans and leases to total assets | 86.7623% | 189 |
| Net loans and leases to deposits | 112.9368% | 181 |
| Net loans and leases to core deposits | 134.2457% | 257 |
| Total domestic deposits to total assets | 76.8238% | 4,655 |
| Equity capital to assets | 10.7429% | 2,937 |
| Core capital (leverage) ratio | 10.6979% | 2,837 |
| Tier 1 risk-based capital ratio | 19.9971% | 1,308 |
| Total risk-based capital ratio | 21.2505% | 1,283 |
| Memoranda: | ||
| Average total assets | $104,186,000 | 4,031 |
| Average earning assets | $100,875,200 | 3,964 |
| Average equity | $10,709,800 | 4,206 |
| Average total loans | $90,206,000 | 3,478 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2622% | 3,112 |
| Cost of funding earning assets | 1.3071% | 157 |
| Net interest margin | 2.9551% | 4,913 |
| Noninterest income to average assets | 0.0077% | 5,413 |
| Noninterest expense to average assets | 1.5779% | 5,229 |
| Loan and lease loss provision to assets | 0.0691% | 2,591 |
| Net operating income to assets | 0.9466% | 3,316 |
| Return on assets (ROA) | 0.9547% | 3,301 |
| Pretax return on assets | 1.2324% | 2,879 |
| Return on Equity (ROE) | 9.3929% | 2,907 |
| Retained earnings to average equity (ytd only) | 9.3929% | 1,077 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9955% | 4,506 |
| Assets per employee ($millions) | 11.5969% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9377% | 4,101 |
| Loan loss allowance to noncurrent loans | 122.8777% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.6659% | 2,199 |
| Noncurrent loans to loans | 0.7631% | 2,180 |
| Net loans and leases to total assets | 86.4408% | 224 |
| Net loans and leases to deposits | 112.3187% | 227 |
| Net loans and leases to core deposits | 133.8735% | 274 |
| Total domestic deposits to total assets | 76.9603% | 4,651 |
| Equity capital to assets | 10.4808% | 3,165 |
| Core capital (leverage) ratio | 10.2416% | 3,354 |
| Tier 1 risk-based capital ratio | 19.3975% | 1,453 |
| Total risk-based capital ratio | 20.6504% | 1,423 |
| Memoranda: | ||
| Average total assets | $104,187,500 | 4,070 |
| Average earning assets | $100,884,250 | 3,999 |
| Average equity | $10,589,250 | 4,261 |
| Average total loans | $89,942,250 | 3,510 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2297% | 3,014 |
| Cost of funding earning assets | 1.2697% | 140 |
| Net interest margin | 2.9600% | 4,933 |
| Noninterest income to average assets | 0.0058% | 5,476 |
| Noninterest expense to average assets | 1.6173% | 5,255 |
| Loan and lease loss provision to assets | 0.0691% | 2,496 |
| Net operating income to assets | 0.9239% | 3,350 |
| Return on assets (ROA) | 0.9239% | 3,349 |
| Pretax return on assets | 1.1851% | 2,992 |
| Return on Equity (ROE) | 9.1858% | 2,937 |
| Retained earnings to average equity (ytd only) | 9.1858% | 1,157 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3211% | 4,438 |
| Assets per employee ($millions) | 10.4642% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9194% | 4,253 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.5992% | 2,424 |
| Noncurrent loans to loans | 0.6896% | 2,384 |
| Net loans and leases to total assets | 86.0945% | 257 |
| Net loans and leases to deposits | 112.2014% | 232 |
| Net loans and leases to core deposits | 134.2138% | 260 |
| Total domestic deposits to total assets | 76.7321% | 4,765 |
| Equity capital to assets | 10.2234% | 3,422 |
| Core capital (leverage) ratio | 10.2429% | 3,299 |
| Tier 1 risk-based capital ratio | 19.0368% | 1,542 |
| Total risk-based capital ratio | 20.2900% | 1,506 |
| Memoranda: | ||
| Average total assets | $104,126,000 | 4,111 |
| Average earning assets | $100,810,330 | 4,036 |
| Average equity | $10,472,670 | 4,313 |
| Average total loans | $89,565,000 | 3,528 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1963% | 2,896 |
| Cost of funding earning assets | 1.2450% | 113 |
| Net interest margin | 2.9513% | 4,955 |
| Noninterest income to average assets | 0.0039% | 5,556 |
| Noninterest expense to average assets | 1.5943% | 5,330 |
| Loan and lease loss provision to assets | 0.0693% | 2,380 |
| Net operating income to assets | 0.9320% | 3,150 |
| Return on assets (ROA) | 0.9320% | 3,171 |
| Pretax return on assets | 1.1977% | 2,758 |
| Return on Equity (ROE) | 9.3436% | 2,744 |
| Retained earnings to average equity (ytd only) | 9.3436% | 1,344 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7201% | 4,620 |
| Assets per employee ($millions) | 11.5526% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9131% | 4,385 |
| Loan loss allowance to noncurrent loans | 118.0375% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.6665% | 2,327 |
| Noncurrent loans to loans | 0.7735% | 2,270 |
| Net loans and leases to total assets | 85.3779% | 308 |
| Net loans and leases to deposits | 111.2824% | 222 |
| Net loans and leases to core deposits | 131.5832% | 311 |
| Total domestic deposits to total assets | 76.7218% | 4,894 |
| Equity capital to assets | 10.0699% | 3,536 |
| Core capital (leverage) ratio | 10.0354% | 3,492 |
| Tier 1 risk-based capital ratio | 18.8254% | 1,596 |
| Total risk-based capital ratio | 20.0785% | 1,556 |
| Memoranda: | ||
| Average total assets | $103,868,000 | 4,164 |
| Average earning assets | $100,564,500 | 4,086 |
| Average equity | $10,360,000 | 4,371 |
| Average total loans | $88,884,000 | 3,570 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1490% | 2,887 |
| Cost of funding earning assets | 1.2500% | 59 |
| Net interest margin | 2.8990% | 5,043 |
| Noninterest income to average assets | 0.0088% | 5,602 |
| Noninterest expense to average assets | 1.5239% | 5,461 |
| Loan and lease loss provision to assets | 0.0302% | 3,673 |
| Net operating income to assets | 0.7961% | 3,179 |
| Return on assets (ROA) | 0.7961% | 3,220 |
| Pretax return on assets | 1.2657% | 2,486 |
| Return on Equity (ROE) | 8.2763% | 2,660 |
| Retained earnings to average equity (ytd only) | 8.2763% | 670 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0428% | 4,947 |
| Assets per employee ($millions) | 11.5292% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9072% | 4,441 |
| Loan loss allowance to noncurrent loans | 141.5929% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.5445% | 2,740 |
| Noncurrent loans to loans | 0.6407% | 2,620 |
| Net loans and leases to total assets | 84.2111% | 430 |
| Net loans and leases to deposits | 109.5317% | 282 |
| Net loans and leases to core deposits | 130.4646% | 329 |
| Total domestic deposits to total assets | 76.8829% | 4,867 |
| Equity capital to assets | 9.8783% | 3,845 |
| Core capital (leverage) ratio | 9.7167% | 3,789 |
| Tier 1 risk-based capital ratio | 18.5602% | 1,630 |
| Total risk-based capital ratio | 19.8124% | 1,581 |
| Memoranda: | ||
| Average total assets | $102,629,400 | 4,195 |
| Average earning assets | $99,518,000 | 4,106 |
| Average equity | $9,871,600 | 4,473 |
| Average total loans | $86,143,800 | 3,612 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1416% | 2,829 |
| Cost of funding earning assets | 1.2422% | 57 |
| Net interest margin | 2.8994% | 5,085 |
| Noninterest income to average assets | 0.0117% | 5,664 |
| Noninterest expense to average assets | 1.4513% | 5,553 |
| Loan and lease loss provision to assets | 0.0743% | 2,583 |
| Net operating income to assets | 0.9028% | 3,013 |
| Return on assets (ROA) | 0.9028% | 3,069 |
| Pretax return on assets | 1.2988% | 2,501 |
| Return on Equity (ROE) | 9.4505% | 2,381 |
| Retained earnings to average equity (ytd only) | 9.4505% | 722 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3838% | 5,151 |
| Assets per employee ($millions) | 11.6316% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 4,305 |
| Loan loss allowance to noncurrent loans | 142.9066% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.5521% | 2,866 |
| Noncurrent loans to loans | 0.6676% | 2,699 |
| Net loans and leases to total assets | 81.9189% | 705 |
| Net loans and leases to deposits | 106.2296% | 409 |
| Net loans and leases to core deposits | 126.2027% | 404 |
| Total domestic deposits to total assets | 77.1149% | 4,860 |
| Equity capital to assets | 9.6844% | 4,260 |
| Core capital (leverage) ratio | 9.6752% | 3,961 |
| Tier 1 risk-based capital ratio | 18.7439% | 1,665 |
| Total risk-based capital ratio | 19.9966% | 1,609 |
| Memoranda: | ||
| Average total assets | $102,346,000 | 4,240 |
| Average earning assets | $99,281,750 | 4,153 |
| Average equity | $9,777,000 | 4,535 |
| Average total loans | $85,634,750 | 3,647 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 2,747 |
| Cost of funding earning assets | 1.2345% | 51 |
| Net interest margin | 2.8907% | 5,114 |
| Noninterest income to average assets | 0.0059% | 5,725 |
| Noninterest expense to average assets | 1.5143% | 5,553 |
| Loan and lease loss provision to assets | 0.0709% | 2,557 |
| Net operating income to assets | 0.8546% | 3,136 |
| Return on assets (ROA) | 0.8546% | 3,187 |
| Pretax return on assets | 1.2287% | 2,664 |
| Return on Equity (ROE) | 8.9886% | 2,513 |
| Retained earnings to average equity (ytd only) | 8.9886% | 844 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8139% | 5,031 |
| Assets per employee ($millions) | 11.3110% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 4,469 |
| Loan loss allowance to noncurrent loans | 139.2734% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.5678% | 2,865 |
| Noncurrent loans to loans | 0.6749% | 2,728 |
| Net loans and leases to total assets | 83.3417% | 507 |
| Net loans and leases to deposits | 108.7357% | 292 |
| Net loans and leases to core deposits | 130.5186% | 302 |
| Total domestic deposits to total assets | 76.6461% | 5,010 |
| Equity capital to assets | 9.7113% | 4,215 |
| Core capital (leverage) ratio | 9.5419% | 4,082 |
| Tier 1 risk-based capital ratio | 18.5355% | 1,709 |
| Total risk-based capital ratio | 19.7881% | 1,666 |
| Memoranda: | ||
| Average total assets | $101,566,670 | 4,275 |
| Average earning assets | $98,662,670 | 4,191 |
| Average equity | $9,656,670 | 4,570 |
| Average total loans | $85,319,000 | 3,672 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1174% | 2,586 |
| Cost of funding earning assets | 1.2291% | 51 |
| Net interest margin | 2.8883% | 5,110 |
| Noninterest income to average assets | 0.0079% | 5,801 |
| Noninterest expense to average assets | 1.6402% | 5,527 |
| Loan and lease loss provision to assets | 0.0828% | 2,160 |
| Net operating income to assets | 0.7570% | 3,446 |
| Return on assets (ROA) | 0.7570% | 3,497 |
| Pretax return on assets | 1.0922% | 3,019 |
| Return on Equity (ROE) | 8.0486% | 2,900 |
| Retained earnings to average equity (ytd only) | 8.0486% | 1,440 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2633% | 4,685 |
| Assets per employee ($millions) | 11.4268% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9219% | 4,671 |
| Loan loss allowance to noncurrent loans | 207.3491% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.3705% | 3,720 |
| Noncurrent loans to loans | 0.4446% | 3,502 |
| Net loans and leases to total assets | 82.5556% | 507 |
| Net loans and leases to deposits | 107.2849% | 279 |
| Net loans and leases to core deposits | 128.8820% | 280 |
| Total domestic deposits to total assets | 76.9499% | 5,118 |
| Equity capital to assets | 9.3747% | 4,419 |
| Core capital (leverage) ratio | 9.3425% | 4,287 |
| Tier 1 risk-based capital ratio | 17.7642% | 1,953 |
| Total risk-based capital ratio | 19.0175% | 1,903 |
| Memoranda: | ||
| Average total assets | $101,450,500 | 4,323 |
| Average earning assets | $98,606,000 | 4,220 |
| Average equity | $9,542,000 | 4,615 |
| Average total loans | $85,155,500 | 3,705 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1940% | 2,508 |
| Cost of funding earning assets | 1.2799% | 37 |
| Net interest margin | 2.9141% | 5,112 |
| Noninterest income to average assets | 0.0051% | 5,845 |
| Noninterest expense to average assets | 1.4300% | 5,757 |
| Loan and lease loss provision to assets | 0.0794% | 2,778 |
| Net operating income to assets | 0.8987% | 2,824 |
| Return on assets (ROA) | 0.8987% | 2,949 |
| Pretax return on assets | 1.3251% | 2,195 |
| Return on Equity (ROE) | 9.7170% | 2,096 |
| Retained earnings to average equity (ytd only) | 9.7170% | 461 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4488% | 5,471 |
| Assets per employee ($millions) | 12.5075% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9088% | 4,751 |
| Loan loss allowance to noncurrent loans | 186.1985% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.4128% | 3,623 |
| Noncurrent loans to loans | 0.4881% | 3,406 |
| Net loans and leases to total assets | 83.8007% | 402 |
| Net loans and leases to deposits | 109.5877% | 237 |
| Net loans and leases to core deposits | 131.9885% | 262 |
| Total domestic deposits to total assets | 76.4691% | 5,184 |
| Equity capital to assets | 9.4373% | 4,342 |
| Core capital (leverage) ratio | 9.3109% | 4,336 |
| Tier 1 risk-based capital ratio | 17.8473% | 1,896 |
| Total risk-based capital ratio | 19.0999% | 1,848 |
| Memoranda: | ||
| Average total assets | $98,254,800 | 4,379 |
| Average earning assets | $95,399,200 | 4,287 |
| Average equity | $9,087,200 | 4,740 |
| Average total loans | $82,859,800 | 3,744 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2072% | 2,487 |
| Cost of funding earning assets | 1.2849% | 36 |
| Net interest margin | 2.9223% | 5,146 |
| Noninterest income to average assets | 0.0054% | 5,914 |
| Noninterest expense to average assets | 1.3182% | 5,856 |
| Loan and lease loss provision to assets | 0.0804% | 2,600 |
| Net operating income to assets | 1.0061% | 2,408 |
| Return on assets (ROA) | 1.0061% | 2,541 |
| Pretax return on assets | 1.4437% | 1,904 |
| Return on Equity (ROE) | 10.9337% | 1,693 |
| Retained earnings to average equity (ytd only) | 10.9337% | 438 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3789% | 5,655 |
| Assets per employee ($millions) | 14.2766% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8982% | 4,877 |
| Loan loss allowance to noncurrent loans | 276.7528% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 4,347 |
| Noncurrent loans to loans | 0.3245% | 4,093 |
| Net loans and leases to total assets | 82.8040% | 528 |
| Net loans and leases to deposits | 108.4008% | 297 |
| Net loans and leases to core deposits | 130.6333% | 290 |
| Total domestic deposits to total assets | 76.3869% | 5,182 |
| Equity capital to assets | 9.3820% | 4,778 |
| Core capital (leverage) ratio | 9.2188% | 4,562 |
| Tier 1 risk-based capital ratio | 17.5878% | 2,048 |
| Total risk-based capital ratio | 18.8396% | 2,007 |
| Memoranda: | ||
| Average total assets | $97,805,000 | 4,420 |
| Average earning assets | $94,946,750 | 4,327 |
| Average equity | $8,999,500 | 4,809 |
| Average total loans | $82,421,000 | 3,770 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1952% | 2,527 |
| Cost of funding earning assets | 1.2747% | 37 |
| Net interest margin | 2.9205% | 5,232 |
| Noninterest income to average assets | 0.0041% | 5,996 |
| Noninterest expense to average assets | 1.3634% | 5,911 |
| Loan and lease loss provision to assets | 0.0803% | 2,533 |
| Net operating income to assets | 0.9700% | 2,523 |
| Return on assets (ROA) | 0.9700% | 2,666 |
| Pretax return on assets | 1.3964% | 2,043 |
| Return on Equity (ROE) | 10.5986% | 1,806 |
| Retained earnings to average equity (ytd only) | 10.5986% | 491 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0058% | 5,666 |
| Assets per employee ($millions) | 14.1356% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8715% | 5,048 |
| Loan loss allowance to noncurrent loans | 403.3149% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 4,760 |
| Noncurrent loans to loans | 0.2161% | 4,575 |
| Net loans and leases to total assets | 83.9170% | 425 |
| Net loans and leases to deposits | 109.9612% | 251 |
| Net loans and leases to core deposits | 132.2529% | 272 |
| Total domestic deposits to total assets | 76.3151% | 5,250 |
| Equity capital to assets | 9.2320% | 5,044 |
| Core capital (leverage) ratio | 9.1310% | 4,682 |
| Tier 1 risk-based capital ratio | 16.9932% | 2,223 |
| Total risk-based capital ratio | 18.2446% | 2,181 |
| Memoranda: | ||
| Average total assets | $97,109,000 | 4,475 |
| Average earning assets | $94,297,670 | 4,377 |
| Average equity | $8,888,000 | 4,861 |
| Average total loans | $82,061,000 | 3,797 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1992% | 2,477 |
| Cost of funding earning assets | 1.2884% | 36 |
| Net interest margin | 2.9108% | 5,306 |
| Noninterest income to average assets | 0.0499% | 5,966 |
| Noninterest expense to average assets | 1.4513% | 5,937 |
| Loan and lease loss provision to assets | 0.0832% | 2,294 |
| Net operating income to assets | 0.9357% | 2,578 |
| Return on assets (ROA) | 0.9357% | 2,687 |
| Pretax return on assets | 1.3432% | 2,121 |
| Return on Equity (ROE) | 10.2687% | 1,865 |
| Retained earnings to average equity (ytd only) | 10.2687% | 792 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4335% | 5,607 |
| Assets per employee ($millions) | 13.7840% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8707% | 5,149 |
| Loan loss allowance to noncurrent loans | 428.3133% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 4,879 |
| Noncurrent loans to loans | 0.2033% | 4,694 |
| Net loans and leases to total assets | 83.8913% | 383 |
| Net loans and leases to deposits | 109.0653% | 246 |
| Net loans and leases to core deposits | 128.4719% | 296 |
| Total domestic deposits to total assets | 76.9184% | 5,299 |
| Equity capital to assets | 9.1908% | 4,996 |
| Core capital (leverage) ratio | 9.0252% | 4,824 |
| Tier 1 risk-based capital ratio | 19.6610% | 1,579 |
| Total risk-based capital ratio | 20.9146% | 1,543 |
| Memoranda: | ||
| Average total assets | $96,189,000 | 4,529 |
| Average earning assets | $93,446,500 | 4,436 |
| Average equity | $8,764,500 | 4,911 |
| Average total loans | $81,209,000 | 3,828 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1469% | 2,749 |
| Cost of funding earning assets | 1.3539% | 28 |
| Net interest margin | 2.7930% | 5,524 |
| Noninterest income to average assets | 0.0416% | 6,027 |
| Noninterest expense to average assets | 1.3640% | 6,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9973% | 2,375 |
| Return on assets (ROA) | 1.0028% | 2,443 |
| Pretax return on assets | 1.4111% | 1,850 |
| Return on Equity (ROE) | 11.5269% | 1,431 |
| Retained earnings to average equity (ytd only) | 11.5269% | 287 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2880% | 5,784 |
| Assets per employee ($millions) | 13.6777% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8556% | 5,249 |
| Loan loss allowance to noncurrent loans | 110.5600% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 0.6528% | 3,085 |
| Noncurrent loans to loans | 0.7739% | 2,854 |
| Net loans and leases to total assets | 83.6303% | 422 |
| Net loans and leases to deposits | 105.7490% | 373 |
| Net loans and leases to core deposits | 124.5737% | 367 |
| Total domestic deposits to total assets | 79.0838% | 4,959 |
| Equity capital to assets | 8.8194% | 5,289 |
| Core capital (leverage) ratio | 8.8249% | 5,080 |
| Tier 1 risk-based capital ratio | 17.2976% | 2,181 |
| Total risk-based capital ratio | 18.5496% | 2,138 |
| Memoranda: | ||
| Average total assets | $91,346,000 | 4,641 |
| Average earning assets | $89,150,200 | 4,522 |
| Average equity | $7,946,600 | 5,075 |
| Average total loans | $75,720,800 | 3,951 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1651% | 2,697 |
| Cost of funding earning assets | 1.3732% | 29 |
| Net interest margin | 2.7919% | 5,595 |
| Noninterest income to average assets | 0.0443% | 6,113 |
| Noninterest expense to average assets | 1.2898% | 6,150 |
| Loan and lease loss provision to assets | 0.1596% | 1,343 |
| Net operating income to assets | 0.8957% | 2,983 |
| Return on assets (ROA) | 0.9027% | 3,034 |
| Pretax return on assets | 1.3297% | 2,285 |
| Return on Equity (ROE) | 10.4145% | 1,930 |
| Retained earnings to average equity (ytd only) | 10.4145% | 568 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5848% | 5,942 |
| Assets per employee ($millions) | 13.2559% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 4,646 |
| Loan loss allowance to noncurrent loans | 125.3543% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.6843% | 3,200 |
| Noncurrent loans to loans | 0.8134% | 2,934 |
| Net loans and leases to total assets | 83.2775% | 446 |
| Net loans and leases to deposits | 101.7379% | 562 |
| Net loans and leases to core deposits | 120.8048% | 448 |
| Total domestic deposits to total assets | 81.8549% | 4,211 |
| Equity capital to assets | 8.7681% | 5,516 |
| Core capital (leverage) ratio | 8.6747% | 5,381 |
| Tier 1 risk-based capital ratio | 17.6552% | 2,137 |
| Total risk-based capital ratio | 18.9113% | 2,096 |
| Memoranda: | ||
| Average total assets | $90,246,500 | 4,720 |
| Average earning assets | $88,063,000 | 4,590 |
| Average equity | $7,822,250 | 5,158 |
| Average total loans | $74,460,500 | 4,025 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0873% | 2,942 |
| Cost of funding earning assets | 1.4083% | 24 |
| Net interest margin | 2.6790% | 5,792 |
| Noninterest income to average assets | 0.0515% | 6,168 |
| Noninterest expense to average assets | 1.3222% | 6,212 |
| Loan and lease loss provision to assets | 0.1611% | 1,315 |
| Net operating income to assets | 0.8170% | 3,298 |
| Return on assets (ROA) | 0.8278% | 3,341 |
| Pretax return on assets | 1.1969% | 2,787 |
| Return on Equity (ROE) | 9.5884% | 2,260 |
| Retained earnings to average equity (ytd only) | 9.5884% | 760 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6222% | 5,869 |
| Assets per employee ($millions) | 11.2839% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 4,791 |
| Loan loss allowance to noncurrent loans | 116.5899% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.7212% | 3,227 |
| Noncurrent loans to loans | 0.8714% | 2,952 |
| Net loans and leases to total assets | 81.9222% | 561 |
| Net loans and leases to deposits | 99.1061% | 713 |
| Net loans and leases to core deposits | 114.6898% | 639 |
| Total domestic deposits to total assets | 82.6611% | 4,075 |
| Equity capital to assets | 8.7237% | 5,504 |
| Core capital (leverage) ratio | 8.6517% | 5,368 |
| Tier 1 risk-based capital ratio | 15.7105% | 2,993 |
| Total risk-based capital ratio | 16.9640% | 2,945 |
| Memoranda: | ||
| Average total assets | $89,398,330 | 4,784 |
| Average earning assets | $87,196,000 | 4,649 |
| Average equity | $7,717,670 | 5,219 |
| Average total loans | $73,257,330 | 4,079 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1505% | 2,633 |
| Cost of funding earning assets | 1.3651% | 32 |
| Net interest margin | 2.7855% | 5,673 |
| Noninterest income to average assets | 0.0045% | 6,323 |
| Noninterest expense to average assets | 1.4073% | 6,229 |
| Loan and lease loss provision to assets | 0.1619% | 1,247 |
| Net operating income to assets | 0.7329% | 3,633 |
| Return on assets (ROA) | 0.7329% | 3,762 |
| Pretax return on assets | 1.1511% | 2,865 |
| Return on Equity (ROE) | 8.5351% | 2,683 |
| Retained earnings to average equity (ytd only) | 8.5351% | 1,365 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7355% | 5,822 |
| Assets per employee ($millions) | 12.7930% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 5,084 |
| Loan loss allowance to noncurrent loans | 109.7264% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 0.7348% | 3,288 |
| Noncurrent loans to loans | 0.9026% | 2,980 |
| Net loans and leases to total assets | 80.5988% | 619 |
| Net loans and leases to deposits | 97.7439% | 702 |
| Net loans and leases to core deposits | 111.5737% | 677 |
| Total domestic deposits to total assets | 82.4592% | 4,364 |
| Equity capital to assets | 8.6286% | 5,631 |
| Core capital (leverage) ratio | 8.5529% | 5,472 |
| Tier 1 risk-based capital ratio | 15.7398% | 3,041 |
| Total risk-based capital ratio | 16.9921% | 2,978 |
| Memoranda: | ||
| Average total assets | $88,962,000 | 4,835 |
| Average earning assets | $86,735,500 | 4,703 |
| Average equity | $7,639,000 | 5,276 |
| Average total loans | $72,530,500 | 4,115 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1747% | 3,029 |
| Cost of funding earning assets | 1.5075% | 23 |
| Net interest margin | 2.6671% | 5,984 |
| Noninterest income to average assets | 0.0035% | 6,384 |
| Noninterest expense to average assets | 1.3381% | 6,383 |
| Loan and lease loss provision to assets | 0.0701% | 3,083 |
| Net operating income to assets | 0.8131% | 3,307 |
| Return on assets (ROA) | 0.8092% | 3,417 |
| Pretax return on assets | 1.1945% | 2,677 |
| Return on Equity (ROE) | 9.7455% | 2,225 |
| Retained earnings to average equity (ytd only) | 9.7455% | 558 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2981% | 6,027 |
| Assets per employee ($millions) | 12.5943% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 5,284 |
| Loan loss allowance to noncurrent loans | 102.6906% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 0.7588% | 3,315 |
| Noncurrent loans to loans | 0.9271% | 2,997 |
| Net loans and leases to total assets | 81.0742% | 622 |
| Net loans and leases to deposits | 95.9087% | 904 |
| Net loans and leases to core deposits | 106.6727% | 972 |
| Total domestic deposits to total assets | 84.5327% | 3,493 |
| Equity capital to assets | 8.5651% | 5,676 |
| Core capital (leverage) ratio | 8.3802% | 5,689 |
| Tier 1 risk-based capital ratio | 16.1099% | 2,914 |
| Total risk-based capital ratio | 17.3637% | 2,851 |
| Memoranda: | ||
| Average total assets | $85,643,200 | 4,926 |
| Average earning assets | $83,647,600 | 4,803 |
| Average equity | $7,111,000 | 5,390 |
| Average total loans | $67,636,600 | 4,244 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1611% | 3,127 |
| Cost of funding earning assets | 1.5128% | 26 |
| Net interest margin | 2.6483% | 6,074 |
| Noninterest income to average assets | 0.0078% | 6,460 |
| Noninterest expense to average assets | 1.2578% | 6,471 |
| Loan and lease loss provision to assets | 0.0706% | 2,936 |
| Net operating income to assets | 0.8537% | 3,153 |
| Return on assets (ROA) | 0.8485% | 3,279 |
| Pretax return on assets | 1.2578% | 2,542 |
| Return on Equity (ROE) | 10.3031% | 2,068 |
| Retained earnings to average equity (ytd only) | 10.3031% | 632 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4885% | 6,176 |
| Assets per employee ($millions) | 12.5044% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9570% | 5,391 |
| Loan loss allowance to noncurrent loans | 126.3158% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.6078% | 4,018 |
| Noncurrent loans to loans | 0.7577% | 3,708 |
| Net loans and leases to total assets | 79.4507% | 778 |
| Net loans and leases to deposits | 93.9911% | 1,043 |
| Net loans and leases to core deposits | 104.9958% | 1,030 |
| Total domestic deposits to total assets | 84.5301% | 3,534 |
| Equity capital to assets | 8.4359% | 5,844 |
| Core capital (leverage) ratio | 8.2656% | 5,874 |
| Tier 1 risk-based capital ratio | 16.0642% | 3,031 |
| Total risk-based capital ratio | 17.3165% | 2,980 |
| Memoranda: | ||
| Average total assets | $85,014,000 | 4,994 |
| Average earning assets | $83,021,000 | 4,869 |
| Average equity | $7,001,000 | 5,462 |
| Average total loans | $66,505,250 | 4,319 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1642% | 3,085 |
| Cost of funding earning assets | 1.5065% | 30 |
| Net interest margin | 2.6577% | 6,103 |
| Noninterest income to average assets | 0.0024% | 6,540 |
| Noninterest expense to average assets | 1.2617% | 6,538 |
| Loan and lease loss provision to assets | 0.0713% | 2,848 |
| Net operating income to assets | 0.8611% | 3,007 |
| Return on assets (ROA) | 0.8530% | 3,160 |
| Pretax return on assets | 1.2522% | 2,444 |
| Return on Equity (ROE) | 10.4462% | 1,958 |
| Retained earnings to average equity (ytd only) | 10.4462% | 624 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5819% | 6,254 |
| Assets per employee ($millions) | 12.3036% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9507% | 5,562 |
| Loan loss allowance to noncurrent loans | 119.7782% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.6282% | 4,086 |
| Noncurrent loans to loans | 0.7937% | 3,709 |
| Net loans and leases to total assets | 78.3919% | 860 |
| Net loans and leases to deposits | 92.8948% | 1,063 |
| Net loans and leases to core deposits | 103.1440% | 1,072 |
| Total domestic deposits to total assets | 84.3878% | 3,787 |
| Equity capital to assets | 8.3495% | 5,917 |
| Core capital (leverage) ratio | 8.1893% | 5,939 |
| Tier 1 risk-based capital ratio | 15.9509% | 3,117 |
| Total risk-based capital ratio | 17.2038% | 3,051 |
| Memoranda: | ||
| Average total assets | $84,175,000 | 5,057 |
| Average earning assets | $82,177,000 | 4,934 |
| Average equity | $6,873,330 | 5,516 |
| Average total loans | $65,268,330 | 4,385 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1359% | 3,149 |
| Cost of funding earning assets | 1.5067% | 31 |
| Net interest margin | 2.6293% | 6,194 |
| Noninterest income to average assets | 0.0048% | 6,591 |
| Noninterest expense to average assets | 1.3125% | 6,595 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9824% | 2,278 |
| Return on assets (ROA) | 0.9712% | 2,385 |
| Pretax return on assets | 1.2452% | 2,298 |
| Return on Equity (ROE) | 12.0337% | 1,395 |
| Retained earnings to average equity (ytd only) | 12.0337% | 600 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0280% | 6,190 |
| Assets per employee ($millions) | 12.0666% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 5,746 |
| Loan loss allowance to noncurrent loans | 163.9257% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.4463% | 4,795 |
| Noncurrent loans to loans | 0.5722% | 4,447 |
| Net loans and leases to total assets | 77.2701% | 848 |
| Net loans and leases to deposits | 90.3950% | 1,103 |
| Net loans and leases to core deposits | 99.8485% | 1,111 |
| Total domestic deposits to total assets | 85.4805% | 3,623 |
| Equity capital to assets | 7.9606% | 6,086 |
| Core capital (leverage) ratio | 8.1585% | 5,986 |
| Tier 1 risk-based capital ratio | 16.8546% | 2,757 |
| Total risk-based capital ratio | 18.1090% | 2,710 |
| Memoranda: | ||
| Average total assets | $83,200,000 | 5,126 |
| Average earning assets | $81,239,000 | 4,993 |
| Average equity | $6,714,500 | 5,588 |
| Average total loans | $63,821,000 | 4,466 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1558% | 3,516 |
| Cost of funding earning assets | 1.5753% | 40 |
| Net interest margin | 2.5806% | 6,284 |
| Noninterest income to average assets | 0.0243% | 6,607 |
| Noninterest expense to average assets | 1.3053% | 6,682 |
| Loan and lease loss provision to assets | 0.0230% | 4,666 |
| Net operating income to assets | 0.8936% | 2,814 |
| Return on assets (ROA) | 0.8936% | 2,903 |
| Pretax return on assets | 1.2196% | 2,499 |
| Return on Equity (ROE) | 10.7840% | 1,833 |
| Retained earnings to average equity (ytd only) | 10.7840% | 450 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2293% | 6,352 |
| Assets per employee ($millions) | 13.6557% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 5,455 |
| Loan loss allowance to noncurrent loans | 112.4777% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.6847% | 4,194 |
| Noncurrent loans to loans | 0.9084% | 3,713 |
| Net loans and leases to total assets | 74.6039% | 1,264 |
| Net loans and leases to deposits | 86.5464% | 1,621 |
| Net loans and leases to core deposits | 94.3812% | 1,572 |
| Total domestic deposits to total assets | 86.2011% | 3,157 |
| Equity capital to assets | 8.1834% | 5,886 |
| Core capital (leverage) ratio | 8.2047% | 5,972 |
| Tier 1 risk-based capital ratio | 17.6395% | 2,362 |
| Total risk-based capital ratio | 18.8935% | 2,341 |
| Memoranda: | ||
| Average total assets | $78,222,000 | 5,278 |
| Average earning assets | $76,494,600 | 5,133 |
| Average equity | $6,481,800 | 5,700 |
| Average total loans | $55,792,200 | 4,757 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1483% | 3,572 |
| Cost of funding earning assets | 1.5549% | 46 |
| Net interest margin | 2.5933% | 6,320 |
| Noninterest income to average assets | 0.0104% | 6,721 |
| Noninterest expense to average assets | 1.1695% | 6,798 |
| Loan and lease loss provision to assets | 0.0311% | 4,384 |
| Net operating income to assets | 0.9487% | 2,601 |
| Return on assets (ROA) | 0.9487% | 2,703 |
| Pretax return on assets | 1.3472% | 2,134 |
| Return on Equity (ROE) | 11.4118% | 1,678 |
| Retained earnings to average equity (ytd only) | 11.4118% | 511 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9039% | 6,590 |
| Assets per employee ($millions) | 13.4208% | 105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0881% | 5,374 |
| Loan loss allowance to noncurrent loans | 112.0782% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.6992% | 4,367 |
| Noncurrent loans to loans | 0.9708% | 3,868 |
| Net loans and leases to total assets | 71.2338% | 1,740 |
| Net loans and leases to deposits | 82.8378% | 2,023 |
| Net loans and leases to core deposits | 90.8401% | 1,886 |
| Total domestic deposits to total assets | 85.9919% | 3,254 |
| Equity capital to assets | 8.1701% | 6,032 |
| Core capital (leverage) ratio | 8.1519% | 6,106 |
| Tier 1 risk-based capital ratio | 18.1846% | 2,253 |
| Total risk-based capital ratio | 19.4397% | 2,217 |
| Memoranda: | ||
| Average total assets | $77,294,000 | 5,353 |
| Average earning assets | $75,628,250 | 5,208 |
| Average equity | $6,426,000 | 5,781 |
| Average total loans | $54,301,000 | 4,844 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1620% | 3,494 |
| Cost of funding earning assets | 1.5597% | 48 |
| Net interest margin | 2.6022% | 6,334 |
| Noninterest income to average assets | 0.0052% | 6,777 |
| Noninterest expense to average assets | 1.1572% | 6,844 |
| Loan and lease loss provision to assets | 0.0315% | 4,298 |
| Net operating income to assets | 0.9604% | 2,508 |
| Return on assets (ROA) | 0.9604% | 2,659 |
| Pretax return on assets | 1.3645% | 2,067 |
| Return on Equity (ROE) | 11.4824% | 1,644 |
| Retained earnings to average equity (ytd only) | 11.4824% | 572 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3237% | 6,670 |
| Assets per employee ($millions) | 12.6705% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 5,318 |
| Loan loss allowance to noncurrent loans | 109.8418% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.7485% | 4,339 |
| Noncurrent loans to loans | 1.0287% | 3,875 |
| Net loans and leases to total assets | 71.9335% | 1,585 |
| Net loans and leases to deposits | 81.8628% | 2,077 |
| Net loans and leases to core deposits | 88.5905% | 2,054 |
| Total domestic deposits to total assets | 87.8708% | 2,341 |
| Equity capital to assets | 8.4185% | 5,853 |
| Core capital (leverage) ratio | 8.3920% | 5,775 |
| Tier 1 risk-based capital ratio | 18.0225% | 2,308 |
| Total risk-based capital ratio | 19.2800% | 2,272 |
| Memoranda: | ||
| Average total assets | $76,217,000 | 5,409 |
| Average earning assets | $74,628,000 | 5,259 |
| Average equity | $6,375,000 | 5,830 |
| Average total loans | $53,070,670 | 4,910 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1275% | 3,611 |
| Cost of funding earning assets | 1.5237% | 49 |
| Net interest margin | 2.6037% | 6,368 |
| Noninterest income to average assets | 0.0105% | 6,828 |
| Noninterest expense to average assets | 1.1531% | 6,924 |
| Loan and lease loss provision to assets | 0.0314% | 4,054 |
| Net operating income to assets | 0.9749% | 2,337 |
| Return on assets (ROA) | 0.9749% | 2,464 |
| Pretax return on assets | 1.3785% | 1,924 |
| Return on Equity (ROE) | 11.6935% | 1,505 |
| Retained earnings to average equity (ytd only) | 11.6935% | 750 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9898% | 6,733 |
| Assets per employee ($millions) | 12.7675% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 5,323 |
| Loan loss allowance to noncurrent loans | 1,375.5556% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 6,429 |
| Noncurrent loans to loans | 0.0851% | 6,227 |
| Net loans and leases to total assets | 68.2514% | 1,963 |
| Net loans and leases to deposits | 75.6041% | 2,698 |
| Net loans and leases to core deposits | 81.5510% | 2,632 |
| Total domestic deposits to total assets | 90.2748% | 894 |
| Equity capital to assets | 8.3754% | 6,125 |
| Core capital (leverage) ratio | 8.1091% | 6,036 |
| Tier 1 risk-based capital ratio | 14.9174% | 3,902 |
| Total risk-based capital ratio | 15.9289% | 4,013 |
| Memoranda: | ||
| Average total assets | $76,314,000 | 5,455 |
| Average earning assets | $74,815,500 | 5,297 |
| Average equity | $6,362,500 | 5,895 |
| Average total loans | $51,950,500 | 4,990 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3301% | 4,088 |
| Cost of funding earning assets | 1.7736% | 58 |
| Net interest margin | 2.5565% | 6,673 |
| Noninterest income to average assets | 0.0755% | 6,599 |
| Noninterest expense to average assets | 1.1883% | 6,983 |
| Loan and lease loss provision to assets | 0.1378% | 3,891 |
| Net operating income to assets | 0.8717% | 2,953 |
| Return on assets (ROA) | 0.8717% | 3,193 |
| Pretax return on assets | 1.2585% | 2,578 |
| Return on Equity (ROE) | 11.1977% | 1,742 |
| Retained earnings to average equity (ytd only) | 11.1977% | 421 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9764% | 6,782 |
| Assets per employee ($millions) | 12.6705% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 5,103 |
| Loan loss allowance to noncurrent loans | 1,571.7949% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 6,508 |
| Noncurrent loans to loans | 0.0765% | 6,293 |
| Net loans and leases to total assets | 66.2760% | 2,485 |
| Net loans and leases to deposits | 73.4689% | 3,178 |
| Net loans and leases to core deposits | 79.5130% | 3,075 |
| Total domestic deposits to total assets | 90.2095% | 840 |
| Equity capital to assets | 8.2988% | 6,200 |
| Core capital (leverage) ratio | 7.9404% | 6,247 |
| Tier 1 risk-based capital ratio | 18.4369% | 2,122 |
| Total risk-based capital ratio | 19.6940% | 2,087 |
| Memoranda: | ||
| Average total assets | $75,485,800 | 5,469 |
| Average earning assets | $74,085,200 | 5,309 |
| Average equity | $5,876,200 | 6,054 |
| Average total loans | $49,696,800 | 5,121 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3215% | 4,362 |
| Cost of funding earning assets | 1.8101% | 55 |
| Net interest margin | 2.5114% | 6,819 |
| Noninterest income to average assets | 0.0655% | 6,750 |
| Noninterest expense to average assets | 1.1342% | 7,092 |
| Loan and lease loss provision to assets | 0.1734% | 3,400 |
| Net operating income to assets | 0.8175% | 3,361 |
| Return on assets (ROA) | 0.8175% | 3,603 |
| Pretax return on assets | 1.2227% | 2,904 |
| Return on Equity (ROE) | 10.6793% | 2,068 |
| Retained earnings to average equity (ytd only) | 10.6793% | 743 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8252% | 6,871 |
| Assets per employee ($millions) | 12.6312% | 133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 5,291 |
| Loan loss allowance to noncurrent loans | 1,556.4103% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 6,624 |
| Noncurrent loans to loans | 0.0770% | 6,425 |
| Net loans and leases to total assets | 66.0601% | 2,640 |
| Net loans and leases to deposits | 73.1271% | 3,428 |
| Net loans and leases to core deposits | 78.3576% | 3,411 |
| Total domestic deposits to total assets | 90.3361% | 659 |
| Equity capital to assets | 8.0964% | 6,549 |
| Core capital (leverage) ratio | 7.7074% | 6,525 |
| Tier 1 risk-based capital ratio | 17.8811% | 2,397 |
| Total risk-based capital ratio | 19.1385% | 2,361 |
| Memoranda: | ||
| Average total assets | $75,351,500 | 5,539 |
| Average earning assets | $73,953,750 | 5,373 |
| Average equity | $5,768,000 | 6,154 |
| Average total loans | $49,371,500 | 5,191 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3049% | 4,549 |
| Cost of funding earning assets | 1.8395% | 58 |
| Net interest margin | 2.4653% | 6,922 |
| Noninterest income to average assets | 0.0585% | 6,827 |
| Noninterest expense to average assets | 1.1222% | 7,165 |
| Loan and lease loss provision to assets | 0.1915% | 3,180 |
| Net operating income to assets | 0.7712% | 3,507 |
| Return on assets (ROA) | 0.7712% | 3,783 |
| Pretax return on assets | 1.1648% | 3,063 |
| Return on Equity (ROE) | 10.2740% | 2,253 |
| Retained earnings to average equity (ytd only) | 10.2740% | 894 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2790% | 6,911 |
| Assets per employee ($millions) | 12.6597% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 5,512 |
| Loan loss allowance to noncurrent loans | 1,417.0732% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 6,689 |
| Noncurrent loans to loans | 0.0821% | 6,456 |
| Net loans and leases to total assets | 64.9635% | 2,848 |
| Net loans and leases to deposits | 71.6370% | 3,666 |
| Net loans and leases to core deposits | 76.9873% | 3,660 |
| Total domestic deposits to total assets | 90.6843% | 570 |
| Equity capital to assets | 7.7753% | 6,682 |
| Core capital (leverage) ratio | 7.4586% | 6,639 |
| Tier 1 risk-based capital ratio | 13.5989% | 4,741 |
| Total risk-based capital ratio | 14.5599% | 4,927 |
| Memoranda: | ||
| Average total assets | $75,206,330 | 5,570 |
| Average earning assets | $73,823,330 | 5,401 |
| Average equity | $5,645,330 | 6,205 |
| Average total loans | $48,938,000 | 5,241 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3038% | 4,719 |
| Cost of funding earning assets | 1.8826% | 62 |
| Net interest margin | 2.4212% | 6,999 |
| Noninterest income to average assets | 0.0160% | 7,061 |
| Noninterest expense to average assets | 1.1172% | 7,228 |
| Loan and lease loss provision to assets | 0.1924% | 3,024 |
| Net operating income to assets | 0.7216% | 3,773 |
| Return on assets (ROA) | 0.7216% | 3,996 |
| Pretax return on assets | 1.0851% | 3,381 |
| Return on Equity (ROE) | 9.7915% | 2,473 |
| Retained earnings to average equity (ytd only) | 9.7915% | 1,323 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6518% | 6,869 |
| Assets per employee ($millions) | 12.8637% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 5,829 |
| Loan loss allowance to noncurrent loans | 1,329.2683% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 6,759 |
| Noncurrent loans to loans | 0.0844% | 6,546 |
| Net loans and leases to total assets | 62.2231% | 3,217 |
| Net loans and leases to deposits | 68.1225% | 4,040 |
| Net loans and leases to core deposits | 73.2826% | 3,981 |
| Total domestic deposits to total assets | 91.3399% | 428 |
| Equity capital to assets | 7.3605% | 6,830 |
| Core capital (leverage) ratio | 7.1118% | 6,796 |
| Tier 1 risk-based capital ratio | 13.6052% | 4,747 |
| Total risk-based capital ratio | 14.5495% | 4,971 |
| Memoranda: | ||
| Average total assets | $74,830,500 | 5,623 |
| Average earning assets | $73,516,000 | 5,454 |
| Average equity | $5,515,000 | 6,270 |
| Average total loans | $48,444,000 | 5,290 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5665% | 4,800 |
| Cost of funding earning assets | 2.2381% | 49 |
| Net interest margin | 2.3284% | 7,134 |
| Noninterest income to average assets | 0.1368% | 6,468 |
| Noninterest expense to average assets | 1.2488% | 7,256 |
| Loan and lease loss provision to assets | 0.1630% | 4,591 |
| Net operating income to assets | 0.7234% | 3,371 |
| Return on assets (ROA) | 0.7234% | 3,544 |
| Pretax return on assets | 1.0130% | 3,196 |
| Return on Equity (ROE) | 9.7950% | 2,127 |
| Retained earnings to average equity (ytd only) | 9.7950% | 607 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5006% | 6,740 |
| Assets per employee ($millions) | 12.0798% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0534% | 5,984 |
| Loan loss allowance to noncurrent loans | 1,241.4634% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 6,813 |
| Noncurrent loans to loans | 0.0849% | 6,596 |
| Net loans and leases to total assets | 65.9626% | 2,790 |
| Net loans and leases to deposits | 72.2703% | 3,761 |
| Net loans and leases to core deposits | 73.0846% | 4,369 |
| Total domestic deposits to total assets | 91.2720% | 406 |
| Equity capital to assets | 7.3801% | 6,862 |
| Core capital (leverage) ratio | 7.3711% | 6,715 |
| Tier 1 risk-based capital ratio | 17.9190% | 2,223 |
| Total risk-based capital ratio | 19.1064% | 2,217 |
| Memoranda: | ||
| Average total assets | $68,704,400 | 5,790 |
| Average earning assets | $67,513,400 | 5,630 |
| Average equity | $5,074,000 | 6,418 |
| Average total loans | $45,960,600 | 5,426 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5932% | 4,892 |
| Cost of funding earning assets | 2.3096% | 47 |
| Net interest margin | 2.2836% | 7,222 |
| Noninterest income to average assets | 0.1771% | 6,320 |
| Noninterest expense to average assets | 1.2239% | 7,335 |
| Loan and lease loss provision to assets | 0.1495% | 4,576 |
| Net operating income to assets | 0.6808% | 3,709 |
| Return on assets (ROA) | 0.6808% | 3,883 |
| Pretax return on assets | 1.0468% | 3,226 |
| Return on Equity (ROE) | 9.2167% | 2,499 |
| Retained earnings to average equity (ytd only) | 9.2167% | 1,072 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5691% | 6,799 |
| Assets per employee ($millions) | 11.8875% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 6,292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 65.9390% | 2,915 |
| Net loans and leases to deposits | 72.2531% | 3,948 |
| Net loans and leases to core deposits | 73.5170% | 4,523 |
| Total domestic deposits to total assets | 91.2611% | 358 |
| Equity capital to assets | 7.2892% | 6,987 |
| Core capital (leverage) ratio | 7.2736% | 6,872 |
| Tier 1 risk-based capital ratio | 17.5705% | 2,408 |
| Total risk-based capital ratio | 18.7832% | 2,404 |
| Memoranda: | ||
| Average total assets | $67,760,750 | 5,849 |
| Average earning assets | $66,561,250 | 5,692 |
| Average equity | $5,005,250 | 6,498 |
| Average total loans | $45,371,250 | 5,496 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6176% | 4,894 |
| Cost of funding earning assets | 2.3562% | 50 |
| Net interest margin | 2.2614% | 7,292 |
| Noninterest income to average assets | 0.0541% | 7,033 |
| Noninterest expense to average assets | 1.2708% | 7,402 |
| Loan and lease loss provision to assets | 0.1442% | 4,505 |
| Net operating income to assets | 0.5558% | 4,283 |
| Return on assets (ROA) | 0.5558% | 4,409 |
| Pretax return on assets | 0.8592% | 3,796 |
| Return on Equity (ROE) | 7.4889% | 3,196 |
| Retained earnings to average equity (ytd only) | 7.4889% | 1,663 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8785% | 6,435 |
| Assets per employee ($millions) | 11.5260% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 6,430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 65.2250% | 3,202 |
| Net loans and leases to deposits | 71.4940% | 4,204 |
| Net loans and leases to core deposits | 73.5468% | 4,631 |
| Total domestic deposits to total assets | 91.2314% | 418 |
| Equity capital to assets | 7.2835% | 7,032 |
| Core capital (leverage) ratio | 7.2755% | 6,881 |
| Tier 1 risk-based capital ratio | 17.9403% | 2,198 |
| Total risk-based capital ratio | 19.1920% | 2,146 |
| Memoranda: | ||
| Average total assets | $66,572,670 | 5,938 |
| Average earning assets | $65,359,000 | 5,777 |
| Average equity | $4,940,670 | 6,555 |
| Average total loans | $44,660,330 | 5,584 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5940% | 4,974 |
| Cost of funding earning assets | 2.3532% | 56 |
| Net interest margin | 2.2408% | 7,340 |
| Noninterest income to average assets | 0.0735% | 7,020 |
| Noninterest expense to average assets | 1.3174% | 7,449 |
| Loan and lease loss provision to assets | 0.1471% | 4,175 |
| Net operating income to assets | 0.5208% | 4,400 |
| Return on assets (ROA) | 0.5208% | 4,484 |
| Pretax return on assets | 0.8088% | 3,871 |
| Return on Equity (ROE) | 6.9494% | 3,408 |
| Retained earnings to average equity (ytd only) | 6.9494% | 2,169 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9515% | 6,280 |
| Assets per employee ($millions) | 11.2250% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 6,601 |
| Loan loss allowance to noncurrent loans | 372.5664% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.1678% | 6,745 |
| Noncurrent loans to loans | 0.2514% | 6,484 |
| Net loans and leases to total assets | 66.1158% | 2,982 |
| Net loans and leases to deposits | 72.5784% | 3,975 |
| Net loans and leases to core deposits | 74.8475% | 4,442 |
| Total domestic deposits to total assets | 91.0958% | 582 |
| Equity capital to assets | 7.3289% | 6,961 |
| Core capital (leverage) ratio | 7.3206% | 6,844 |
| Tier 1 risk-based capital ratio | 17.6040% | 2,245 |
| Total risk-based capital ratio | 18.7859% | 2,248 |
| Memoranda: | ||
| Average total assets | $65,281,000 | 6,020 |
| Average earning assets | $64,084,000 | 5,860 |
| Average equity | $4,892,500 | 6,596 |
| Average total loans | $44,214,500 | 5,647 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9400% | 4,835 |
| Cost of funding earning assets | 2.5584% | 88 |
| Net interest margin | 2.3817% | 7,330 |
| Noninterest income to average assets | 0.0918% | 6,937 |
| Noninterest expense to average assets | 1.3428% | 7,508 |
| Loan and lease loss provision to assets | 0.4394% | 3,482 |
| Net operating income to assets | 0.4535% | 4,300 |
| Return on assets (ROA) | 0.4535% | 4,465 |
| Pretax return on assets | 0.6405% | 4,197 |
| Return on Equity (ROE) | 5.4160% | 3,887 |
| Retained earnings to average equity (ytd only) | 5.4160% | 2,167 |
| Net charge-offs to loans | 0.5078% | 3,584 |
| Credit loss provision to net charge-offs | 121.4634% | 3,460 |
| Earnings coverage of net charge-offs (x) | 2.9854% | 3,578 |
| Efficiency ratio | 55.4261% | 6,663 |
| Assets per employee ($millions) | 10.5353% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9131% | 6,690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 68.1548% | 2,949 |
| Net loans and leases to deposits | 73.8895% | 4,209 |
| Net loans and leases to core deposits | 76.3243% | 4,654 |
| Total domestic deposits to total assets | 92.2388% | 229 |
| Equity capital to assets | 7.6710% | 6,764 |
| Core capital (leverage) ratio | 7.6622% | 6,574 |
| Tier 1 risk-based capital ratio | 18.4671% | 1,854 |
| Total risk-based capital ratio | 19.7293% | 1,812 |
| Memoranda: | ||
| Average total assets | $56,673,400 | 6,322 |
| Average earning assets | $55,465,200 | 6,154 |
| Average equity | $4,745,200 | 6,746 |
| Average total loans | $40,372,600 | 5,908 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9571% | 5,006 |
| Cost of funding earning assets | 2.5516% | 119 |
| Net interest margin | 2.4055% | 7,436 |
| Noninterest income to average assets | 0.1090% | 7,005 |
| Noninterest expense to average assets | 1.3517% | 7,613 |
| Loan and lease loss provision to assets | 0.1308% | 5,719 |
| Net operating income to assets | 0.6395% | 3,703 |
| Return on assets (ROA) | 0.6395% | 3,873 |
| Pretax return on assets | 0.9787% | 3,260 |
| Return on Equity (ROE) | 7.4586% | 3,122 |
| Retained earnings to average equity (ytd only) | 7.4586% | 1,614 |
| Net charge-offs to loans | 0.6735% | 2,743 |
| Credit loss provision to net charge-offs | 27.0000% | 6,183 |
| Earnings coverage of net charge-offs (x) | 2.2900% | 4,020 |
| Efficiency ratio | 54.9213% | 6,697 |
| Assets per employee ($millions) | 10.1497% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4958% | 7,463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 68.2173% | 3,158 |
| Net loans and leases to deposits | 74.5447% | 4,424 |
| Net loans and leases to core deposits | 77.4117% | 4,874 |
| Total domestic deposits to total assets | 91.5120% | 302 |
| Equity capital to assets | 7.9707% | 6,821 |
| Core capital (leverage) ratio | 7.9616% | 6,399 |
| Tier 1 risk-based capital ratio | 19.1825% | 1,710 |
| Total risk-based capital ratio | 20.0016% | 1,777 |
| Memoranda: | ||
| Average total assets | $55,038,750 | 6,447 |
| Average earning assets | $53,820,500 | 6,282 |
| Average equity | $4,719,250 | 6,838 |
| Average total loans | $39,596,000 | 6,020 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0014% | 4,933 |
| Cost of funding earning assets | 2.5605% | 142 |
| Net interest margin | 2.4410% | 7,451 |
| Noninterest income to average assets | 0.0640% | 7,264 |
| Noninterest expense to average assets | 1.4279% | 7,649 |
| Loan and lease loss provision to assets | 0.0904% | 6,020 |
| Net operating income to assets | 0.6066% | 3,854 |
| Return on assets (ROA) | 0.6066% | 3,989 |
| Pretax return on assets | 0.9306% | 3,386 |
| Return on Equity (ROE) | 6.8887% | 3,354 |
| Retained earnings to average equity (ytd only) | 6.8887% | 1,884 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3077% | 6,333 |
| Assets per employee ($millions) | 11.3150% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9336% | 6,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 70.7079% | 2,746 |
| Net loans and leases to deposits | 77.6561% | 4,051 |
| Net loans and leases to core deposits | 81.8459% | 4,438 |
| Total domestic deposits to total assets | 91.0526% | 466 |
| Equity capital to assets | 8.3995% | 6,303 |
| Core capital (leverage) ratio | 8.3898% | 5,596 |
| Tier 1 risk-based capital ratio | 19.8652% | 1,537 |
| Total risk-based capital ratio | 20.8237% | 1,560 |
| Memoranda: | ||
| Average total assets | $53,085,670 | 6,547 |
| Average earning assets | $51,865,000 | 6,411 |
| Average equity | $4,674,330 | 6,884 |
| Average total loans | $38,878,000 | 6,095 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0192% | 4,932 |
| Cost of funding earning assets | 2.5774% | 178 |
| Net interest margin | 2.4417% | 7,510 |
| Noninterest income to average assets | 0.1013% | 7,202 |
| Noninterest expense to average assets | 1.4491% | 7,739 |
| Loan and lease loss provision to assets | 0.0935% | 5,695 |
| Net operating income to assets | 0.6155% | 3,832 |
| Return on assets (ROA) | 0.6155% | 3,972 |
| Pretax return on assets | 0.9427% | 3,302 |
| Return on Equity (ROE) | 6.8170% | 3,442 |
| Retained earnings to average equity (ytd only) | 6.8170% | 2,211 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3072% | 6,439 |
| Assets per employee ($millions) | 10.6150% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9392% | 6,709 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 72.5313% | 2,323 |
| Net loans and leases to deposits | 80.1115% | 3,639 |
| Net loans and leases to core deposits | 84.4544% | 4,147 |
| Total domestic deposits to total assets | 90.5379% | 719 |
| Equity capital to assets | 8.8064% | 5,542 |
| Core capital (leverage) ratio | 8.7944% | 4,864 |
| Tier 1 risk-based capital ratio | 20.3364% | 1,460 |
| Total risk-based capital ratio | 21.4868% | 1,447 |
| Memoranda: | ||
| Average total assets | $51,341,000 | 6,686 |
| Average earning assets | $50,128,000 | 6,545 |
| Average equity | $4,635,500 | 6,963 |
| Average total loans | $38,127,000 | 6,204 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2890% | 5,234 |
| Cost of funding earning assets | 3.1012% | 171 |
| Net interest margin | 2.1878% | 7,651 |
| Noninterest income to average assets | 0.1034% | 7,252 |
| Noninterest expense to average assets | 1.4814% | 7,815 |
| Loan and lease loss provision to assets | 0.1079% | 6,565 |
| Net operating income to assets | 0.4136% | 4,075 |
| Return on assets (ROA) | 0.4136% | 4,185 |
| Pretax return on assets | 0.6519% | 3,736 |
| Return on Equity (ROE) | 4.0953% | 4,045 |
| Retained earnings to average equity (ytd only) | 4.0953% | 2,347 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0983% | 5,378 |
| Assets per employee ($millions) | 9.9214% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9440% | 6,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 74.6669% | 2,103 |
| Net loans and leases to deposits | 83.0475% | 3,439 |
| Net loans and leases to core deposits | 85.6674% | 5,550 |
| Total domestic deposits to total assets | 89.9087% | 1,006 |
| Equity capital to assets | 9.2668% | 4,744 |
| Core capital (leverage) ratio | 9.2522% | 4,051 |
| Tier 1 risk-based capital ratio | 21.4600% | 1,221 |
| Total risk-based capital ratio | 22.6758% | 1,201 |
| Memoranda: | ||
| Average total assets | $44,485,000 | 6,931 |
| Average earning assets | $43,467,400 | 6,785 |
| Average equity | $4,493,000 | 7,119 |
| Average total loans | $35,130,400 | 6,351 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3226% | 5,313 |
| Cost of funding earning assets | 3.2201% | 177 |
| Net interest margin | 2.1025% | 7,763 |
| Noninterest income to average assets | 0.1296% | 7,236 |
| Noninterest expense to average assets | 1.4011% | 7,922 |
| Loan and lease loss provision to assets | 0.1111% | 6,259 |
| Net operating income to assets | 0.4351% | 4,257 |
| Return on assets (ROA) | 0.4351% | 4,358 |
| Pretax return on assets | 0.6728% | 3,950 |
| Return on Equity (ROE) | 4.2086% | 4,298 |
| Retained earnings to average equity (ytd only) | 4.2086% | 2,922 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1243% | 5,727 |
| Assets per employee ($millions) | 9.3242% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 6,521 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 75.9786% | 1,996 |
| Net loans and leases to deposits | 85.0489% | 3,490 |
| Net loans and leases to core deposits | 86.2941% | 5,835 |
| Total domestic deposits to total assets | 89.3353% | 1,045 |
| Equity capital to assets | 9.7724% | 4,390 |
| Core capital (leverage) ratio | 9.7473% | 3,575 |
| Tier 1 risk-based capital ratio | 21.6436% | 1,266 |
| Total risk-based capital ratio | 22.8919% | 1,247 |
| Memoranda: | ||
| Average total assets | $43,204,500 | 7,033 |
| Average earning assets | $42,233,500 | 6,900 |
| Average equity | $4,467,000 | 7,191 |
| Average total loans | $34,564,750 | 6,422 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3526% | 5,388 |
| Cost of funding earning assets | 3.3478% | 167 |
| Net interest margin | 2.0048% | 7,861 |
| Noninterest income to average assets | 0.0808% | 7,575 |
| Noninterest expense to average assets | 1.4311% | 8,002 |
| Loan and lease loss provision to assets | 0.1141% | 6,005 |
| Net operating income to assets | 0.3185% | 4,817 |
| Return on assets (ROA) | 0.3185% | 4,929 |
| Pretax return on assets | 0.4945% | 4,636 |
| Return on Equity (ROE) | 3.0198% | 4,892 |
| Retained earnings to average equity (ytd only) | 3.0198% | 3,637 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1632% | 4,748 |
| Assets per employee ($millions) | 8.8824% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 6,489 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 76.2677% | 2,121 |
| Net loans and leases to deposits | 85.6868% | 3,602 |
| Net loans and leases to core deposits | 88.5380% | 5,678 |
| Total domestic deposits to total assets | 89.0075% | 1,267 |
| Equity capital to assets | 10.0761% | 3,840 |
| Core capital (leverage) ratio | 10.0619% | 3,226 |
| Tier 1 risk-based capital ratio | 21.3402% | 1,340 |
| Total risk-based capital ratio | 23.5038% | 1,187 |
| Memoranda: | ||
| Average total assets | $42,065,670 | 7,132 |
| Average earning assets | $41,101,670 | 7,008 |
| Average equity | $4,437,330 | 7,261 |
| Average total loans | $34,165,330 | 6,491 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4395% | 5,229 |
| Cost of funding earning assets | 3.4560% | 165 |
| Net interest margin | 1.9835% | 7,904 |
| Noninterest income to average assets | 0.0489% | 7,838 |
| Noninterest expense to average assets | 1.5162% | 7,978 |
| Loan and lease loss provision to assets | 0.1174% | 5,466 |
| Net operating income to assets | 0.2348% | 5,549 |
| Return on assets (ROA) | 0.2348% | 5,711 |
| Pretax return on assets | 0.3521% | 5,528 |
| Return on Equity (ROE) | 2.1727% | 5,716 |
| Retained earnings to average equity (ytd only) | 2.1727% | 4,664 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3547% | 3,426 |
| Assets per employee ($millions) | 8.5994% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 6,607 |
| Loan loss allowance to noncurrent loans | 566.0714% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 7,198 |
| Noncurrent loans to loans | 0.1642% | 7,056 |
| Net loans and leases to total assets | 78.6032% | 1,668 |
| Net loans and leases to deposits | 88.6014% | 3,179 |
| Net loans and leases to core deposits | 93.0355% | 5,254 |
| Total domestic deposits to total assets | 88.7155% | 1,373 |
| Equity capital to assets | 10.3054% | 3,652 |
| Core capital (leverage) ratio | 10.2866% | 3,122 |
| Tier 1 risk-based capital ratio | 22.8315% | 1,213 |
| Total risk-based capital ratio | 25.3098% | 1,048 |
| Memoranda: | ||
| Average total assets | $40,892,500 | 7,207 |
| Average earning assets | $39,930,000 | 7,098 |
| Average equity | $4,418,500 | 7,314 |
| Average total loans | $34,147,500 | 6,535 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0185% | 5,458 |
| Cost of funding earning assets | 3.8918% | 142 |
| Net interest margin | 2.1267% | 8,003 |
| Noninterest income to average assets | 0.1090% | 7,590 |
| Noninterest expense to average assets | 1.6963% | 7,874 |
| Loan and lease loss provision to assets | 0.1341% | 5,642 |
| Net operating income to assets | 0.2236% | 5,780 |
| Return on assets (ROA) | 0.2236% | 5,604 |
| Pretax return on assets | 0.3493% | 5,395 |
| Return on Equity (ROE) | 1.8044% | 5,670 |
| Retained earnings to average equity (ytd only) | 1.8044% | 4,114 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8205% | 2,944 |
| Assets per employee ($millions) | 7.7576% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8923% | 6,717 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 87.3363% | 432 |
| Net loans and leases to deposits | 100.3912% | 1,803 |
| Net loans and leases to core deposits | 104.0098% | 4,395 |
| Total domestic deposits to total assets | 86.9960% | 1,936 |
| Equity capital to assets | 11.3592% | 2,743 |
| Core capital (leverage) ratio | 11.3386% | 2,343 |
| Tier 1 risk-based capital ratio | 24.1011% | 1,077 |
| Total risk-based capital ratio | 26.5019% | 944 |
| Memoranda: | ||
| Average total assets | $35,784,600 | 7,392 |
| Average earning assets | $34,842,600 | 7,292 |
| Average equity | $4,433,600 | 7,349 |
| Average total loans | $32,483,800 | 6,581 |