Home > Champion Bank > Performance and Condition Ratios
Champion Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2061% | 2,710 |
| Cost of funding earning assets | 1.3649% | 3,473 |
| Net interest margin | 3.8412% | 1,598 |
| Noninterest income to average assets | 1.8900% | 280 |
| Noninterest expense to average assets | 5.6681% | 192 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | -0.3796% | 4,298 |
| Return on assets (ROA) | -0.3796% | 4,328 |
| Pretax return on assets | -0.3796% | 4,312 |
| Return on Equity (ROE) | -1.0700% | 4,242 |
| Retained earnings to average equity (ytd only) | -1.0661% | 3,851 |
| Net charge-offs to loans | 0.1115% | 772 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | -11.0000% | 4,450 |
| Efficiency ratio | 107.1778% | 198 |
| Assets per employee ($millions) | 3.2410% | 4,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6616% | 185 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 3,327 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 28.9600% | 4,211 |
| Net loans and leases to deposits | 44.2531% | 4,037 |
| Net loans and leases to core deposits | 54.5631% | 3,865 |
| Total domestic deposits to total assets | 65.4500% | 4,268 |
| Equity capital to assets | 34.0738% | 150 |
| Core capital (leverage) ratio | 36.8617% | 101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 93.0201% | 70 |
| Memoranda: | ||
| Average total assets | $46,364,500 | 4,239 |
| Average earning assets | $41,028,500 | 4,231 |
| Average equity | $16,509,500 | 3,249 |
| Average total loans | $14,352,000 | 4,264 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2651% | 2,606 |
| Cost of funding earning assets | 0.9526% | 4,061 |
| Net interest margin | 4.3125% | 817 |
| Noninterest income to average assets | 2.2600% | 227 |
| Noninterest expense to average assets | 5.8959% | 179 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.1319% | 4,054 |
| Return on assets (ROA) | 0.1319% | 4,087 |
| Pretax return on assets | 0.1774% | 4,056 |
| Return on Equity (ROE) | 0.3700% | 4,158 |
| Retained earnings to average equity (ytd only) | 0.3710% | 3,825 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 97.0798% | 323 |
| Assets per employee ($millions) | 2.9409% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7319% | 174 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 3,290 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 31.4000% | 4,207 |
| Net loans and leases to deposits | 50.4040% | 3,903 |
| Net loans and leases to core deposits | 55.4288% | 3,899 |
| Total domestic deposits to total assets | 62.2900% | 4,318 |
| Equity capital to assets | 37.2988% | 143 |
| Core capital (leverage) ratio | 39.3097% | 99 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 99.8966% | 70 |
| Memoranda: | ||
| Average total assets | $46,235,400 | 4,259 |
| Average earning assets | $40,835,200 | 4,250 |
| Average equity | $16,441,200 | 3,223 |
| Average total loans | $13,956,400 | 4,287 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2331% | 2,586 |
| Cost of funding earning assets | 0.9184% | 4,107 |
| Net interest margin | 4.3148% | 791 |
| Noninterest income to average assets | 2.1600% | 233 |
| Noninterest expense to average assets | 5.8702% | 176 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.0798% | 4,138 |
| Return on assets (ROA) | 0.0798% | 4,167 |
| Pretax return on assets | 0.1055% | 4,144 |
| Return on Equity (ROE) | 0.2300% | 4,215 |
| Retained earnings to average equity (ytd only) | 0.2271% | 3,913 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 98.2347% | 305 |
| Assets per employee ($millions) | 3.0129% | 4,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6679% | 191 |
| Loan loss allowance to noncurrent loans | 62.8433% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.4228% | 388 |
| Noncurrent loans to loans | 4.2453% | 100 |
| Net loans and leases to total assets | 31.4000% | 4,237 |
| Net loans and leases to deposits | 50.1378% | 3,950 |
| Net loans and leases to core deposits | 52.4057% | 3,992 |
| Total domestic deposits to total assets | 62.6300% | 4,337 |
| Equity capital to assets | 37.0027% | 138 |
| Core capital (leverage) ratio | 37.1441% | 95 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 94.1377% | 68 |
| Memoranda: | ||
| Average total assets | $46,765,750 | 4,278 |
| Average earning assets | $41,376,250 | 4,272 |
| Average equity | $16,438,000 | 3,227 |
| Average total loans | $13,885,750 | 4,312 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0965% | 2,767 |
| Cost of funding earning assets | 0.8749% | 4,127 |
| Net interest margin | 4.2216% | 868 |
| Noninterest income to average assets | 1.8400% | 281 |
| Noninterest expense to average assets | 5.5361% | 187 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.0296% | 4,196 |
| Return on assets (ROA) | 0.0296% | 4,230 |
| Pretax return on assets | 0.0381% | 4,211 |
| Return on Equity (ROE) | 0.0900% | 4,243 |
| Retained earnings to average equity (ytd only) | 0.0857% | 3,813 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 99.3171% | 296 |
| Assets per employee ($millions) | 3.0790% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6730% | 194 |
| Loan loss allowance to noncurrent loans | 81.7227% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 1.0826% | 533 |
| Noncurrent loans to loans | 3.2708% | 162 |
| Net loans and leases to total assets | 30.6700% | 4,256 |
| Net loans and leases to deposits | 47.8594% | 4,018 |
| Net loans and leases to core deposits | 49.9049% | 4,052 |
| Total domestic deposits to total assets | 64.0800% | 4,333 |
| Equity capital to assets | 35.4531% | 145 |
| Core capital (leverage) ratio | 36.2227% | 98 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 92.2562% | 71 |
| Memoranda: | ||
| Average total assets | $47,289,667 | 4,293 |
| Average earning assets | $41,832,667 | 4,288 |
| Average equity | $16,343,000 | 3,214 |
| Average total loans | $13,654,000 | 4,334 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0148% | 2,752 |
| Cost of funding earning assets | 0.8249% | 4,153 |
| Net interest margin | 4.1900% | 862 |
| Noninterest income to average assets | 1.7800% | 272 |
| Noninterest expense to average assets | 5.5934% | 188 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -0.0752% | 4,331 |
| Return on assets (ROA) | -0.0752% | 4,322 |
| Pretax return on assets | -0.0752% | 4,306 |
| Return on Equity (ROE) | -0.2200% | 4,270 |
| Retained earnings to average equity (ytd only) | -0.2205% | 3,758 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 101.3636% | 274 |
| Assets per employee ($millions) | 3.1551% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8415% | 140 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 3,331 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 28.1100% | 4,313 |
| Net loans and leases to deposits | 43.1542% | 4,116 |
| Net loans and leases to core deposits | 44.9055% | 4,177 |
| Total domestic deposits to total assets | 65.1300% | 4,377 |
| Equity capital to assets | 34.3870% | 146 |
| Core capital (leverage) ratio | 34.9139% | 102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 95.5252% | 69 |
| Memoranda: | ||
| Average total assets | $47,842,000 | 4,315 |
| Average earning assets | $42,673,500 | 4,305 |
| Average equity | $16,327,500 | 3,226 |
| Average total loans | $13,204,500 | 4,363 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6024% | 2,887 |
| Cost of funding earning assets | 0.5838% | 4,093 |
| Net interest margin | 4.0185% | 1,180 |
| Noninterest income to average assets | 2.1200% | 253 |
| Noninterest expense to average assets | 4.9449% | 233 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6303% | 3,362 |
| Return on assets (ROA) | 0.6303% | 3,338 |
| Pretax return on assets | 0.8292% | 3,141 |
| Return on Equity (ROE) | 2.0800% | 4,145 |
| Retained earnings to average equity (ytd only) | 2.0803% | 3,563 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 85.6400% | 579 |
| Assets per employee ($millions) | 3.2239% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0506% | 113 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 3,263 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 25.5000% | 4,357 |
| Net loans and leases to deposits | 38.8207% | 4,222 |
| Net loans and leases to core deposits | 40.3343% | 4,280 |
| Total domestic deposits to total assets | 65.6900% | 4,382 |
| Equity capital to assets | 33.8744% | 152 |
| Core capital (leverage) ratio | 34.3606% | 105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 99.8560% | 66 |
| Memoranda: | ||
| Average total assets | $53,307,400 | 4,285 |
| Average earning assets | $48,475,200 | 4,268 |
| Average equity | $16,151,800 | 3,170 |
| Average total loans | $13,121,800 | 4,375 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4529% | 3,001 |
| Cost of funding earning assets | 0.5245% | 4,098 |
| Net interest margin | 3.9284% | 1,349 |
| Noninterest income to average assets | 2.1600% | 265 |
| Noninterest expense to average assets | 4.8179% | 241 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7089% | 3,298 |
| Return on assets (ROA) | 0.7089% | 3,282 |
| Pretax return on assets | 0.9338% | 3,023 |
| Return on Equity (ROE) | 2.4000% | 4,157 |
| Retained earnings to average equity (ytd only) | 2.4024% | 3,650 |
| Net charge-offs to loans | 0.0101% | 2,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 382.0000% | 374 |
| Efficiency ratio | 83.7654% | 627 |
| Assets per employee ($millions) | 3.2869% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3564% | 90 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 3,322 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 22.6600% | 4,410 |
| Net loans and leases to deposits | 33.7125% | 4,334 |
| Net loans and leases to core deposits | 34.9606% | 4,341 |
| Total domestic deposits to total assets | 67.2100% | 4,383 |
| Equity capital to assets | 32.4605% | 157 |
| Core capital (leverage) ratio | 32.2671% | 116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 104.7602% | 63 |
| Memoranda: | ||
| Average total assets | $54,544,750 | 4,282 |
| Average earning assets | $49,824,000 | 4,276 |
| Average equity | $16,094,500 | 3,159 |
| Average total loans | $13,222,500 | 4,396 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2797% | 3,132 |
| Cost of funding earning assets | 0.4570% | 4,070 |
| Net interest margin | 3.8227% | 1,576 |
| Noninterest income to average assets | 2.2000% | 226 |
| Noninterest expense to average assets | 4.6223% | 252 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8207% | 3,017 |
| Return on assets (ROA) | 0.8207% | 3,024 |
| Pretax return on assets | 1.0801% | 2,694 |
| Return on Equity (ROE) | 2.8700% | 4,179 |
| Retained earnings to average equity (ytd only) | 2.8652% | 3,518 |
| Net charge-offs to loans | 0.0145% | 1,653 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 304.0000% | 445 |
| Efficiency ratio | 81.0592% | 774 |
| Assets per employee ($millions) | 3.4367% | 4,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8116% | 153 |
| Loan loss allowance to noncurrent loans | 29.7318% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 2.5780% | 96 |
| Noncurrent loans to loans | 9.4565% | 15 |
| Net loans and leases to total assets | 26.0200% | 4,392 |
| Net loans and leases to deposits | 38.0461% | 4,255 |
| Net loans and leases to core deposits | 39.3579% | 4,273 |
| Total domestic deposits to total assets | 68.3800% | 4,400 |
| Equity capital to assets | 31.3360% | 154 |
| Core capital (leverage) ratio | 31.4877% | 114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 91.4572% | 64 |
| Memoranda: | ||
| Average total assets | $56,292,000 | 4,289 |
| Average earning assets | $51,639,000 | 4,274 |
| Average equity | $16,124,667 | 3,178 |
| Average total loans | $13,776,667 | 4,417 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2981% | 2,806 |
| Cost of funding earning assets | 0.4002% | 3,963 |
| Net interest margin | 3.8980% | 1,489 |
| Noninterest income to average assets | 1.9500% | 237 |
| Noninterest expense to average assets | 4.3435% | 298 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9069% | 2,829 |
| Return on assets (ROA) | 0.9069% | 2,788 |
| Pretax return on assets | 1.1933% | 2,440 |
| Return on Equity (ROE) | 3.3000% | 4,139 |
| Retained earnings to average equity (ytd only) | 3.3023% | 3,434 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.4483% | 958 |
| Assets per employee ($millions) | 3.6089% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8628% | 149 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 3,343 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 24.3800% | 4,471 |
| Net loans and leases to deposits | 35.1804% | 4,349 |
| Net loans and leases to core deposits | 35.6788% | 4,373 |
| Total domestic deposits to total assets | 69.3100% | 4,435 |
| Equity capital to assets | 30.0865% | 121 |
| Core capital (leverage) ratio | 28.2857% | 137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 93.5294% | 64 |
| Memoranda: | ||
| Average total assets | $58,662,500 | 4,321 |
| Average earning assets | $53,977,000 | 4,306 |
| Average equity | $16,110,000 | 3,206 |
| Average total loans | $13,765,000 | 4,474 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4566% | 4,517 |
| Cost of funding earning assets | 0.3414% | 2,549 |
| Net interest margin | 2.1152% | 4,516 |
| Noninterest income to average assets | 2.8900% | 182 |
| Noninterest expense to average assets | 4.1195% | 306 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5717% | 3,939 |
| Return on assets (ROA) | 0.5717% | 3,903 |
| Pretax return on assets | 0.7491% | 3,747 |
| Return on Equity (ROE) | 2.6400% | 4,326 |
| Retained earnings to average equity (ytd only) | 2.6409% | 3,813 |
| Net charge-offs to loans | 0.0397% | 1,306 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 92.1667% | 1,010 |
| Efficiency ratio | 84.6132% | 467 |
| Assets per employee ($millions) | 4.2127% | 4,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7901% | 152 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 3,421 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 21.4500% | 4,536 |
| Net loans and leases to deposits | 28.8743% | 4,493 |
| Net loans and leases to core deposits | 29.1996% | 4,493 |
| Total domestic deposits to total assets | 74.2800% | 4,345 |
| Equity capital to assets | 25.2140% | 148 |
| Core capital (leverage) ratio | 25.3624% | 157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 83.3578% | 67 |
| Memoranda: | ||
| Average total assets | $73,820,400 | 4,200 |
| Average earning assets | $69,120,000 | 4,169 |
| Average equity | $15,979,400 | 3,274 |
| Average total loans | $15,120,400 | 4,481 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0558% | 4,599 |
| Cost of funding earning assets | 0.3380% | 1,795 |
| Net interest margin | 1.7178% | 4,613 |
| Noninterest income to average assets | 2.9800% | 185 |
| Noninterest expense to average assets | 4.0847% | 312 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4045% | 4,237 |
| Return on assets (ROA) | 0.4045% | 4,179 |
| Pretax return on assets | 0.5126% | 4,131 |
| Return on Equity (ROE) | 1.9300% | 4,414 |
| Retained earnings to average equity (ytd only) | 1.9344% | 4,046 |
| Net charge-offs to loans | 0.0519% | 964 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 1,298 |
| Efficiency ratio | 88.8510% | 356 |
| Assets per employee ($millions) | 4.0760% | 4,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5780% | 217 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.2713% | 1,865 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 21.2100% | 4,581 |
| Net loans and leases to deposits | 27.5823% | 4,543 |
| Net loans and leases to core deposits | 27.9893% | 4,539 |
| Total domestic deposits to total assets | 76.9100% | 4,324 |
| Equity capital to assets | 22.6953% | 166 |
| Core capital (leverage) ratio | 22.7266% | 181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 99.8752% | 65 |
| Memoranda: | ||
| Average total assets | $76,477,750 | 4,191 |
| Average earning assets | $71,795,500 | 4,168 |
| Average equity | $15,991,000 | 3,321 |
| Average total loans | $15,415,000 | 4,510 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6286% | 4,690 |
| Cost of funding earning assets | 0.3667% | 1,136 |
| Net interest margin | 1.2619% | 4,710 |
| Noninterest income to average assets | 3.0378% | 152 |
| Noninterest expense to average assets | 3.9507% | 289 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2155% | 4,400 |
| Return on assets (ROA) | 0.2155% | 4,360 |
| Pretax return on assets | 0.2739% | 4,330 |
| Return on Equity (ROE) | 1.0573% | 4,457 |
| Retained earnings to average equity (ytd only) | 1.0573% | 3,984 |
| Net charge-offs to loans | 0.0773% | 695 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,595 |
| Efficiency ratio | 93.5174% | 301 |
| Assets per employee ($millions) | 4.0618% | 4,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5194% | 256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2571% | 2,025 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 20.5859% | 4,645 |
| Net loans and leases to deposits | 26.3969% | 4,614 |
| Net loans and leases to core deposits | 26.8907% | 4,613 |
| Total domestic deposits to total assets | 77.9861% | 4,352 |
| Equity capital to assets | 21.7102% | 134 |
| Core capital (leverage) ratio | 21.8256% | 148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 98.9307% | 30 |
| Memoranda: | ||
| Average total assets | $78,873,000 | 4,216 |
| Average earning assets | $74,176,333 | 4,187 |
| Average equity | $16,079,333 | 3,401 |
| Average total loans | $15,523,667 | 4,570 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3191% | 4,741 |
| Cost of funding earning assets | 0.4015% | 863 |
| Net interest margin | 0.9177% | 4,759 |
| Noninterest income to average assets | 3.0971% | 157 |
| Noninterest expense to average assets | 4.0023% | 278 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0685% | 4,581 |
| Return on assets (ROA) | -0.0685% | 4,564 |
| Pretax return on assets | -0.0440% | 4,542 |
| Return on Equity (ROE) | -0.3461% | 4,549 |
| Retained earnings to average equity (ytd only) | -0.3461% | 4,063 |
| Net charge-offs to loans | 0.1285% | 438 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | -1.8000% | 1,798 |
| Efficiency ratio | 101.1125% | 225 |
| Assets per employee ($millions) | 4.3694% | 4,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7089% | 223 |
| Loan loss allowance to noncurrent loans | 1,500.0000% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.2721% | 2,043 |
| Noncurrent loans to loans | 0.1806% | 2,913 |
| Net loans and leases to total assets | 17.8093% | 4,691 |
| Net loans and leases to deposits | 22.5048% | 4,675 |
| Net loans and leases to core deposits | 23.1804% | 4,672 |
| Total domestic deposits to total assets | 79.1354% | 4,343 |
| Equity capital to assets | 20.4209% | 151 |
| Core capital (leverage) ratio | 19.6368% | 183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 106.2171% | 28 |
| Memoranda: | ||
| Average total assets | $81,753,000 | 4,199 |
| Average earning assets | $76,717,000 | 4,176 |
| Average equity | $16,182,500 | 3,454 |
| Average total loans | $15,565,500 | 4,589 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8661% | 4,704 |
| Cost of funding earning assets | 0.5587% | 673 |
| Net interest margin | 1.3073% | 4,746 |
| Noninterest income to average assets | 3.8963% | 142 |
| Noninterest expense to average assets | 4.5654% | 208 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2949% | 4,426 |
| Return on assets (ROA) | 0.2949% | 4,451 |
| Pretax return on assets | 0.5635% | 4,161 |
| Return on Equity (ROE) | 1.5768% | 4,548 |
| Retained earnings to average equity (ytd only) | 1.5768% | 4,098 |
| Net charge-offs to loans | 0.0427% | 1,423 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 54.5556% | 1,246 |
| Efficiency ratio | 89.0132% | 356 |
| Assets per employee ($millions) | 4.4661% | 4,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3605% | 352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 2,451 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 19.2550% | 4,724 |
| Net loans and leases to deposits | 23.9543% | 4,712 |
| Net loans and leases to core deposits | 25.1885% | 4,705 |
| Total domestic deposits to total assets | 80.3821% | 4,181 |
| Equity capital to assets | 19.2137% | 202 |
| Core capital (leverage) ratio | 18.5499% | 223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 96.6581% | 32 |
| Memoranda: | ||
| Average total assets | $87,134,200 | 4,131 |
| Average earning assets | $82,152,000 | 4,099 |
| Average equity | $16,298,800 | 3,518 |
| Average total loans | $21,082,000 | 4,550 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0129% | 4,761 |
| Cost of funding earning assets | 0.5844% | 686 |
| Net interest margin | 1.4286% | 4,819 |
| Noninterest income to average assets | 4.0818% | 135 |
| Noninterest expense to average assets | 4.6458% | 205 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5442% | 4,113 |
| Return on assets (ROA) | 0.5442% | 4,158 |
| Pretax return on assets | 0.7814% | 3,927 |
| Return on Equity (ROE) | 2.9288% | 4,476 |
| Retained earnings to average equity (ytd only) | 2.9288% | 3,932 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6022% | 450 |
| Assets per employee ($millions) | 4.0032% | 4,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9683% | 676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2042% | 2,764 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 21.9076% | 4,772 |
| Net loans and leases to deposits | 27.5135% | 4,745 |
| Net loans and leases to core deposits | 29.0950% | 4,742 |
| Total domestic deposits to total assets | 79.6249% | 4,279 |
| Equity capital to assets | 17.8587% | 281 |
| Core capital (leverage) ratio | 17.8440% | 270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 82.8261% | 36 |
| Memoranda: | ||
| Average total assets | $87,703,750 | 4,172 |
| Average earning assets | $82,596,750 | 4,153 |
| Average equity | $16,297,500 | 3,565 |
| Average total loans | $22,169,000 | 4,590 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2147% | 4,756 |
| Cost of funding earning assets | 0.6310% | 635 |
| Net interest margin | 1.5837% | 4,834 |
| Noninterest income to average assets | 3.9097% | 143 |
| Noninterest expense to average assets | 4.6425% | 202 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5380% | 4,144 |
| Return on assets (ROA) | 0.5380% | 4,192 |
| Pretax return on assets | 0.7513% | 3,968 |
| Return on Equity (ROE) | 2.8556% | 4,500 |
| Retained earnings to average equity (ytd only) | 2.8556% | 3,886 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0705% | 473 |
| Assets per employee ($millions) | 3.7463% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8018% | 881 |
| Loan loss allowance to noncurrent loans | 165.3061% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.5025% | 1,658 |
| Noncurrent loans to loans | 1.0900% | 1,109 |
| Net loans and leases to total assets | 25.6174% | 4,757 |
| Net loans and leases to deposits | 31.9039% | 4,727 |
| Net loans and leases to core deposits | 33.7085% | 4,716 |
| Total domestic deposits to total assets | 80.2957% | 4,192 |
| Equity capital to assets | 18.9221% | 227 |
| Core capital (leverage) ratio | 17.8579% | 269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 78.9253% | 42 |
| Memoranda: | ||
| Average total assets | $86,247,333 | 4,215 |
| Average earning assets | $80,822,000 | 4,195 |
| Average equity | $16,249,000 | 3,579 |
| Average total loans | $22,700,000 | 4,615 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6803% | 4,501 |
| Cost of funding earning assets | 0.6577% | 661 |
| Net interest margin | 2.0226% | 4,718 |
| Noninterest income to average assets | 4.1071% | 144 |
| Noninterest expense to average assets | 4.4641% | 213 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1357% | 2,368 |
| Return on assets (ROA) | 1.1357% | 2,441 |
| Pretax return on assets | 1.5390% | 1,887 |
| Return on Equity (ROE) | 6.0414% | 3,850 |
| Retained earnings to average equity (ytd only) | 6.0414% | 2,883 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3629% | 1,276 |
| Assets per employee ($millions) | 3.7783% | 4,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7521% | 936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2163% | 3,069 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 26.1332% | 4,785 |
| Net loans and leases to deposits | 32.4777% | 4,760 |
| Net loans and leases to core deposits | 34.1545% | 4,754 |
| Total domestic deposits to total assets | 80.4651% | 4,146 |
| Equity capital to assets | 18.8076% | 231 |
| Core capital (leverage) ratio | 18.6273% | 235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 77.6623% | 37 |
| Memoranda: | ||
| Average total assets | $86,289,000 | 4,229 |
| Average earning assets | $80,887,500 | 4,203 |
| Average equity | $16,221,500 | 3,585 |
| Average total loans | $22,811,000 | 4,640 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5174% | 4,841 |
| Cost of funding earning assets | 0.7917% | 1,246 |
| Net interest margin | 1.7256% | 4,892 |
| Noninterest income to average assets | 5.0618% | 114 |
| Noninterest expense to average assets | 4.7914% | 211 |
| Loan and lease loss provision to assets | -0.0394% | 4,927 |
| Net operating income to assets | 1.3898% | 1,044 |
| Return on assets (ROA) | 1.3898% | 1,135 |
| Pretax return on assets | 1.9029% | 549 |
| Return on Equity (ROE) | 6.7805% | 3,288 |
| Retained earnings to average equity (ytd only) | 6.7805% | 1,467 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9976% | 1,683 |
| Assets per employee ($millions) | 4.2839% | 4,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7994% | 859 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 3,193 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 25.7969% | 4,825 |
| Net loans and leases to deposits | 32.0546% | 4,808 |
| Net loans and leases to core deposits | 33.7245% | 4,811 |
| Total domestic deposits to total assets | 80.4778% | 3,963 |
| Equity capital to assets | 18.7903% | 238 |
| Core capital (leverage) ratio | 17.5355% | 281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 74.8571% | 41 |
| Memoranda: | ||
| Average total assets | $76,198,800 | 4,289 |
| Average earning assets | $70,350,800 | 4,292 |
| Average equity | $15,618,400 | 3,595 |
| Average total loans | $23,222,600 | 4,659 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7982% | 4,835 |
| Cost of funding earning assets | 0.8088% | 1,456 |
| Net interest margin | 1.9895% | 4,887 |
| Noninterest income to average assets | 5.2191% | 110 |
| Noninterest expense to average assets | 4.8272% | 205 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6163% | 694 |
| Return on assets (ROA) | 1.6163% | 765 |
| Pretax return on assets | 2.2177% | 330 |
| Return on Equity (ROE) | 7.6996% | 2,925 |
| Retained earnings to average equity (ytd only) | 7.6996% | 1,419 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5209% | 2,110 |
| Assets per employee ($millions) | 4.4783% | 3,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6773% | 927 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 3,439 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 27.1147% | 4,868 |
| Net loans and leases to deposits | 32.8812% | 4,867 |
| Net loans and leases to core deposits | 34.2710% | 4,868 |
| Total domestic deposits to total assets | 82.4627% | 3,296 |
| Equity capital to assets | 16.9440% | 380 |
| Core capital (leverage) ratio | 19.5841% | 214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 68.7066% | 48 |
| Memoranda: | ||
| Average total assets | $73,829,250 | 4,338 |
| Average earning assets | $67,755,000 | 4,337 |
| Average equity | $15,498,250 | 3,608 |
| Average total loans | $23,401,500 | 4,683 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3926% | 4,546 |
| Cost of funding earning assets | 0.9071% | 1,342 |
| Net interest margin | 2.4855% | 4,744 |
| Noninterest income to average assets | 5.6103% | 94 |
| Noninterest expense to average assets | 5.1870% | 175 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.9585% | 360 |
| Return on assets (ROA) | 1.9585% | 402 |
| Pretax return on assets | 2.6859% | 157 |
| Return on Equity (ROE) | 8.5588% | 2,539 |
| Retained earnings to average equity (ytd only) | 8.5588% | 1,144 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8841% | 2,537 |
| Assets per employee ($millions) | 3.7271% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6895% | 831 |
| Loan loss allowance to noncurrent loans | 231.3830% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.2655% | 3,254 |
| Noncurrent loans to loans | 0.7302% | 2,050 |
| Net loans and leases to total assets | 35.7438% | 4,734 |
| Net loans and leases to deposits | 46.2717% | 4,648 |
| Net loans and leases to core deposits | 49.5798% | 4,627 |
| Total domestic deposits to total assets | 77.2478% | 4,290 |
| Equity capital to assets | 22.1662% | 141 |
| Core capital (leverage) ratio | 22.9702% | 124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 66.7109% | 46 |
| Memoranda: | ||
| Average total assets | $67,090,667 | 4,443 |
| Average earning assets | $61,075,000 | 4,452 |
| Average equity | $15,352,667 | 3,620 |
| Average total loans | $22,557,000 | 4,719 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1109% | 4,910 |
| Cost of funding earning assets | 0.9764% | 1,533 |
| Net interest margin | 2.1346% | 4,981 |
| Noninterest income to average assets | 5.6356% | 88 |
| Noninterest expense to average assets | 5.2186% | 200 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7232% | 489 |
| Return on assets (ROA) | 1.7232% | 539 |
| Pretax return on assets | 2.3609% | 215 |
| Return on Equity (ROE) | 7.4042% | 2,777 |
| Retained earnings to average equity (ytd only) | 7.4042% | 1,408 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8511% | 2,528 |
| Assets per employee ($millions) | 3.3695% | 4,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1002% | 437 |
| Loan loss allowance to noncurrent loans | 231.3830% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 3,277 |
| Noncurrent loans to loans | 0.9077% | 1,798 |
| Net loans and leases to total assets | 31.6724% | 4,873 |
| Net loans and leases to deposits | 41.9093% | 4,803 |
| Net loans and leases to core deposits | 45.8465% | 4,779 |
| Total domestic deposits to total assets | 75.5736% | 4,526 |
| Equity capital to assets | 23.9312% | 128 |
| Core capital (leverage) ratio | 23.1164% | 143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 69.4830% | 46 |
| Memoranda: | ||
| Average total assets | $65,228,500 | 4,479 |
| Average earning assets | $59,403,500 | 4,492 |
| Average equity | $15,180,500 | 3,644 |
| Average total loans | $20,962,000 | 4,784 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8174% | 4,541 |
| Cost of funding earning assets | 0.9519% | 1,949 |
| Net interest margin | 2.8654% | 4,692 |
| Noninterest income to average assets | 5.3129% | 92 |
| Noninterest expense to average assets | 5.4015% | 167 |
| Loan and lease loss provision to assets | -0.2628% | 5,140 |
| Net operating income to assets | 2.1027% | 272 |
| Return on assets (ROA) | 2.1027% | 284 |
| Pretax return on assets | 2.8011% | 127 |
| Return on Equity (ROE) | 9.9402% | 2,318 |
| Retained earnings to average equity (ytd only) | 9.9402% | 503 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0305% | 2,453 |
| Assets per employee ($millions) | 3.1636% | 4,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0507% | 426 |
| Loan loss allowance to noncurrent loans | 231.3830% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 3,291 |
| Noncurrent loans to loans | 0.8863% | 1,735 |
| Net loans and leases to total assets | 31.2737% | 4,951 |
| Net loans and leases to deposits | 40.6023% | 4,896 |
| Net loans and leases to core deposits | 44.3073% | 4,868 |
| Total domestic deposits to total assets | 77.0245% | 4,487 |
| Equity capital to assets | 22.6383% | 164 |
| Core capital (leverage) ratio | 20.4293% | 222 |
| Tier 1 risk-based capital ratio | 64.4589% | 81 |
| Total risk-based capital ratio | 65.7201% | 80 |
| Memoranda: | ||
| Average total assets | $67,722,200 | 4,470 |
| Average earning assets | $62,084,600 | 4,479 |
| Average equity | $14,325,600 | 3,708 |
| Average total loans | $23,772,400 | 4,787 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8866% | 4,560 |
| Cost of funding earning assets | 0.9274% | 2,097 |
| Net interest margin | 2.9592% | 4,684 |
| Noninterest income to average assets | 5.3905% | 92 |
| Noninterest expense to average assets | 5.3944% | 171 |
| Loan and lease loss provision to assets | -0.2155% | 5,211 |
| Net operating income to assets | 2.1339% | 303 |
| Return on assets (ROA) | 2.1339% | 317 |
| Pretax return on assets | 2.9314% | 128 |
| Return on Equity (ROE) | 10.2634% | 2,326 |
| Retained earnings to average equity (ytd only) | 10.2634% | 691 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5137% | 2,661 |
| Assets per employee ($millions) | 3.3265% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2974% | 287 |
| Loan loss allowance to noncurrent loans | 267.5532% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 3,533 |
| Noncurrent loans to loans | 0.8587% | 1,869 |
| Net loans and leases to total assets | 29.2295% | 5,064 |
| Net loans and leases to deposits | 36.6906% | 5,052 |
| Net loans and leases to core deposits | 40.3315% | 5,031 |
| Total domestic deposits to total assets | 79.6647% | 4,057 |
| Equity capital to assets | 20.0948% | 253 |
| Core capital (leverage) ratio | 19.5152% | 268 |
| Tier 1 risk-based capital ratio | 60.1311% | 93 |
| Total risk-based capital ratio | 61.3914% | 91 |
| Memoranda: | ||
| Average total assets | $68,043,750 | 4,511 |
| Average earning assets | $62,537,750 | 4,519 |
| Average equity | $14,147,000 | 3,762 |
| Average total loans | $24,412,500 | 4,838 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9864% | 4,408 |
| Cost of funding earning assets | 0.8903% | 2,197 |
| Net interest margin | 3.0962% | 4,543 |
| Noninterest income to average assets | 5.3580% | 90 |
| Noninterest expense to average assets | 5.6113% | 154 |
| Loan and lease loss provision to assets | -0.3317% | 5,278 |
| Net operating income to assets | 2.0895% | 333 |
| Return on assets (ROA) | 2.0895% | 348 |
| Pretax return on assets | 2.9097% | 138 |
| Return on Equity (ROE) | 9.9279% | 2,425 |
| Retained earnings to average equity (ytd only) | 9.9279% | 782 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5199% | 2,444 |
| Assets per employee ($millions) | 2.9375% | 4,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0932% | 399 |
| Loan loss allowance to noncurrent loans | 267.5532% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.2667% | 3,494 |
| Noncurrent loans to loans | 0.7824% | 2,029 |
| Net loans and leases to total assets | 33.3721% | 5,039 |
| Net loans and leases to deposits | 41.9773% | 4,997 |
| Net loans and leases to core deposits | 45.4567% | 4,972 |
| Total domestic deposits to total assets | 79.5004% | 4,131 |
| Equity capital to assets | 20.2982% | 241 |
| Core capital (leverage) ratio | 20.1707% | 230 |
| Tier 1 risk-based capital ratio | 53.1163% | 119 |
| Total risk-based capital ratio | 54.3736% | 116 |
| Memoranda: | ||
| Average total assets | $66,330,670 | 4,580 |
| Average earning assets | $60,655,670 | 4,593 |
| Average equity | $13,960,670 | 3,795 |
| Average total loans | $25,252,000 | 4,849 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9777% | 4,413 |
| Cost of funding earning assets | 0.7560% | 2,763 |
| Net interest margin | 3.2217% | 4,341 |
| Noninterest income to average assets | 4.9372% | 96 |
| Noninterest expense to average assets | 5.4976% | 163 |
| Loan and lease loss provision to assets | -0.6849% | 5,350 |
| Net operating income to assets | 2.1168% | 308 |
| Return on assets (ROA) | 2.1168% | 325 |
| Pretax return on assets | 3.0694% | 120 |
| Return on Equity (ROE) | 9.8651% | 2,426 |
| Retained earnings to average equity (ytd only) | 9.8651% | 1,069 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7472% | 2,386 |
| Assets per employee ($millions) | 2.8341% | 5,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9760% | 526 |
| Loan loss allowance to noncurrent loans | 267.5532% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 3,504 |
| Noncurrent loans to loans | 0.7386% | 2,178 |
| Net loans and leases to total assets | 36.6839% | 4,997 |
| Net loans and leases to deposits | 46.3878% | 4,920 |
| Net loans and leases to core deposits | 49.6893% | 4,900 |
| Total domestic deposits to total assets | 79.0808% | 4,339 |
| Equity capital to assets | 20.5178% | 221 |
| Core capital (leverage) ratio | 21.7532% | 176 |
| Tier 1 risk-based capital ratio | 49.4480% | 135 |
| Total risk-based capital ratio | 50.7054% | 134 |
| Memoranda: | ||
| Average total assets | $64,246,500 | 4,674 |
| Average earning assets | $58,727,500 | 4,677 |
| Average equity | $13,786,000 | 3,833 |
| Average total loans | $25,863,000 | 4,885 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7539% | 1,666 |
| Cost of funding earning assets | 0.6121% | 2,635 |
| Net interest margin | 4.1417% | 1,553 |
| Noninterest income to average assets | 6.3409% | 79 |
| Noninterest expense to average assets | 6.0215% | 132 |
| Loan and lease loss provision to assets | -0.7986% | 5,395 |
| Net operating income to assets | 6.0730% | 29 |
| Return on assets (ROA) | 6.0730% | 29 |
| Pretax return on assets | 4.7686% | 46 |
| Return on Equity (ROE) | 29.6920% | 40 |
| Retained earnings to average equity (ytd only) | 29.6920% | 12 |
| Net charge-offs to loans | -1.0736% | 5,362 |
| Credit loss provision to net charge-offs | 143.7700% | 1,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2664% | 3,811 |
| Assets per employee ($millions) | 2.7488% | 5,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3334% | 273 |
| Loan loss allowance to noncurrent loans | 326.0638% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 3,317 |
| Noncurrent loans to loans | 0.7156% | 2,198 |
| Net loans and leases to total assets | 42.4282% | 4,865 |
| Net loans and leases to deposits | 55.0601% | 4,705 |
| Net loans and leases to core deposits | 58.2184% | 4,693 |
| Total domestic deposits to total assets | 77.0579% | 4,623 |
| Equity capital to assets | 22.5155% | 158 |
| Core capital (leverage) ratio | 21.6244% | 174 |
| Tier 1 risk-based capital ratio | 46.1307% | 164 |
| Total risk-based capital ratio | 47.3927% | 160 |
| Memoranda: | ||
| Average total assets | $56,348,200 | 4,825 |
| Average earning assets | $49,665,000 | 4,862 |
| Average equity | $11,525,000 | 4,086 |
| Average total loans | $29,154,200 | 4,837 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8740% | 1,226 |
| Cost of funding earning assets | 0.5876% | 2,565 |
| Net interest margin | 4.2863% | 1,148 |
| Noninterest income to average assets | 6.3656% | 81 |
| Noninterest expense to average assets | 6.1029% | 129 |
| Loan and lease loss provision to assets | -1.0846% | 5,470 |
| Net operating income to assets | 5.1098% | 34 |
| Return on assets (ROA) | 5.1098% | 33 |
| Pretax return on assets | 5.1098% | 45 |
| Return on Equity (ROE) | 25.6911% | 79 |
| Retained earnings to average equity (ytd only) | 25.6911% | 20 |
| Net charge-offs to loans | -1.0577% | 5,431 |
| Credit loss provision to net charge-offs | 189.8734% | 1,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2570% | 3,781 |
| Assets per employee ($millions) | 2.4717% | 5,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9996% | 485 |
| Loan loss allowance to noncurrent loans | 285.6383% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 1.2999% | 1,051 |
| Noncurrent loans to loans | 0.7000% | 2,326 |
| Net loans and leases to total assets | 46.2963% | 4,787 |
| Net loans and leases to deposits | 59.4216% | 4,581 |
| Net loans and leases to core deposits | 62.4487% | 4,593 |
| Total domestic deposits to total assets | 77.9117% | 4,494 |
| Equity capital to assets | 21.6609% | 177 |
| Core capital (leverage) ratio | 21.5212% | 176 |
| Tier 1 risk-based capital ratio | 43.6203% | 182 |
| Total risk-based capital ratio | 44.8778% | 179 |
| Memoranda: | ||
| Average total assets | $55,316,750 | 4,901 |
| Average earning assets | $48,556,250 | 4,941 |
| Average equity | $11,002,250 | 4,196 |
| Average total loans | $29,875,000 | 4,875 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9115% | 992 |
| Cost of funding earning assets | 0.5443% | 2,658 |
| Net interest margin | 4.3672% | 914 |
| Noninterest income to average assets | 5.5067% | 91 |
| Noninterest expense to average assets | 6.1745% | 132 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 3.1675% | 71 |
| Return on assets (ROA) | 3.1675% | 71 |
| Pretax return on assets | 3.1675% | 91 |
| Return on Equity (ROE) | 16.4316% | 594 |
| Retained earnings to average equity (ytd only) | 16.4316% | 141 |
| Net charge-offs to loans | -1.5349% | 5,497 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0938% | 2,962 |
| Assets per employee ($millions) | 2.2631% | 5,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4080% | 88 |
| Loan loss allowance to noncurrent loans | 100.4069% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 4.2825% | 119 |
| Noncurrent loans to loans | 3.3942% | 294 |
| Net loans and leases to total assets | 51.5042% | 4,507 |
| Net loans and leases to deposits | 64.9365% | 4,221 |
| Net loans and leases to core deposits | 67.3439% | 4,292 |
| Total domestic deposits to total assets | 79.3147% | 4,373 |
| Equity capital to assets | 20.3668% | 212 |
| Core capital (leverage) ratio | 20.9175% | 190 |
| Tier 1 risk-based capital ratio | 36.7142% | 282 |
| Total risk-based capital ratio | 37.9887% | 277 |
| Memoranda: | ||
| Average total assets | $54,806,000 | 4,968 |
| Average earning assets | $48,132,000 | 5,002 |
| Average equity | $10,565,000 | 4,298 |
| Average total loans | $30,881,330 | 4,904 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1733% | 2,973 |
| Cost of funding earning assets | 0.5073% | 2,737 |
| Net interest margin | 3.6659% | 2,935 |
| Noninterest income to average assets | 4.2869% | 111 |
| Noninterest expense to average assets | 5.7764% | 150 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7656% | 599 |
| Return on assets (ROA) | 1.7656% | 606 |
| Pretax return on assets | 1.7656% | 973 |
| Return on Equity (ROE) | 9.4218% | 2,704 |
| Retained earnings to average equity (ytd only) | 9.4218% | 1,321 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5896% | 1,503 |
| Assets per employee ($millions) | 2.4870% | 5,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2581% | 346 |
| Loan loss allowance to noncurrent loans | 32.2442% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 4.5960% | 110 |
| Noncurrent loans to loans | 7.0031% | 70 |
| Net loans and leases to total assets | 56.7533% | 4,051 |
| Net loans and leases to deposits | 69.7640% | 3,810 |
| Net loans and leases to core deposits | 72.1454% | 3,942 |
| Total domestic deposits to total assets | 81.3503% | 4,121 |
| Equity capital to assets | 18.2476% | 294 |
| Core capital (leverage) ratio | 19.1614% | 246 |
| Tier 1 risk-based capital ratio | 30.6189% | 452 |
| Total risk-based capital ratio | 31.8803% | 449 |
| Memoranda: | ||
| Average total assets | $55,052,000 | 5,018 |
| Average earning assets | $48,882,500 | 5,046 |
| Average equity | $10,316,500 | 4,380 |
| Average total loans | $31,841,500 | 4,924 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0553% | 580 |
| Cost of funding earning assets | 0.5546% | 1,913 |
| Net interest margin | 4.5007% | 607 |
| Noninterest income to average assets | 5.6066% | 95 |
| Noninterest expense to average assets | 6.5313% | 134 |
| Loan and lease loss provision to assets | -1.5606% | 5,667 |
| Net operating income to assets | 4.9062% | 34 |
| Return on assets (ROA) | 4.9062% | 34 |
| Pretax return on assets | 4.5941% | 54 |
| Return on Equity (ROE) | 27.9345% | 44 |
| Retained earnings to average equity (ytd only) | 27.9345% | 15 |
| Net charge-offs to loans | -0.9477% | 5,627 |
| Credit loss provision to net charge-offs | 267.5585% | 1,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2847% | 2,839 |
| Assets per employee ($millions) | 2.5191% | 5,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4615% | 258 |
| Loan loss allowance to noncurrent loans | 48.9876% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 3.4668% | 194 |
| Noncurrent loans to loans | 5.0248% | 137 |
| Net loans and leases to total assets | 56.1775% | 4,173 |
| Net loans and leases to deposits | 69.9732% | 3,877 |
| Net loans and leases to core deposits | 72.5934% | 4,003 |
| Total domestic deposits to total assets | 80.2843% | 4,286 |
| Equity capital to assets | 19.2715% | 237 |
| Core capital (leverage) ratio | 20.0016% | 199 |
| Tier 1 risk-based capital ratio | 33.0299% | 375 |
| Total risk-based capital ratio | 34.2966% | 364 |
| Memoranda: | ||
| Average total assets | $51,261,200 | 5,134 |
| Average earning assets | $45,081,400 | 5,171 |
| Average equity | $9,003,200 | 4,611 |
| Average total loans | $31,549,400 | 4,983 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2886% | 348 |
| Cost of funding earning assets | 0.5694% | 1,745 |
| Net interest margin | 4.7192% | 391 |
| Noninterest income to average assets | 6.0174% | 95 |
| Noninterest expense to average assets | 6.4789% | 135 |
| Loan and lease loss provision to assets | -2.0976% | 5,735 |
| Net operating income to assets | 5.7867% | 27 |
| Return on assets (ROA) | 5.7867% | 27 |
| Pretax return on assets | 5.7867% | 43 |
| Return on Equity (ROE) | 33.8025% | 23 |
| Retained earnings to average equity (ytd only) | 33.8025% | 11 |
| Net charge-offs to loans | -1.2529% | 5,691 |
| Credit loss provision to net charge-offs | 267.5585% | 1,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7184% | 3,605 |
| Assets per employee ($millions) | 2.2575% | 5,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5084% | 261 |
| Loan loss allowance to noncurrent loans | 44.1436% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 3.6927% | 193 |
| Noncurrent loans to loans | 5.6823% | 118 |
| Net loans and leases to total assets | 58.6932% | 3,993 |
| Net loans and leases to deposits | 73.7900% | 3,596 |
| Net loans and leases to core deposits | 76.2590% | 3,787 |
| Total domestic deposits to total assets | 79.5409% | 4,426 |
| Equity capital to assets | 19.9074% | 231 |
| Core capital (leverage) ratio | 19.7554% | 217 |
| Tier 1 risk-based capital ratio | 32.7873% | 394 |
| Total risk-based capital ratio | 34.0541% | 381 |
| Memoranda: | ||
| Average total assets | $50,851,000 | 5,195 |
| Average earning assets | $44,724,250 | 5,234 |
| Average equity | $8,705,250 | 4,712 |
| Average total loans | $31,819,500 | 5,021 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7055% | 186 |
| Cost of funding earning assets | 0.5884% | 1,523 |
| Net interest margin | 5.1171% | 185 |
| Noninterest income to average assets | 6.8337% | 88 |
| Noninterest expense to average assets | 6.3224% | 144 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 4.9916% | 42 |
| Return on assets (ROA) | 4.9916% | 41 |
| Pretax return on assets | 4.9916% | 52 |
| Return on Equity (ROE) | 30.7773% | 35 |
| Retained earnings to average equity (ytd only) | 30.7773% | 18 |
| Net charge-offs to loans | -1.8115% | 5,740 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8813% | 4,841 |
| Assets per employee ($millions) | 2.1715% | 5,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0788% | 41 |
| Loan loss allowance to noncurrent loans | 88.1279% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 3.7782% | 193 |
| Noncurrent loans to loans | 5.7630% | 109 |
| Net loans and leases to total assets | 57.7776% | 4,061 |
| Net loans and leases to deposits | 70.7800% | 3,851 |
| Net loans and leases to core deposits | 75.3545% | 3,826 |
| Total domestic deposits to total assets | 81.6298% | 4,005 |
| Equity capital to assets | 17.9377% | 329 |
| Core capital (leverage) ratio | 18.3139% | 289 |
| Tier 1 risk-based capital ratio | 30.2281% | 456 |
| Total risk-based capital ratio | 31.5271% | 451 |
| Memoranda: | ||
| Average total assets | $51,246,330 | 5,227 |
| Average earning assets | $44,869,000 | 5,268 |
| Average equity | $8,311,330 | 4,799 |
| Average total loans | $32,459,330 | 5,025 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1177% | 57 |
| Cost of funding earning assets | 0.6162% | 1,262 |
| Net interest margin | 6.5015% | 49 |
| Noninterest income to average assets | 5.3182% | 106 |
| Noninterest expense to average assets | 6.1892% | 154 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 4.7402% | 46 |
| Return on assets (ROA) | 4.7402% | 45 |
| Pretax return on assets | 4.7402% | 65 |
| Return on Equity (ROE) | 30.7981% | 41 |
| Retained earnings to average equity (ytd only) | 30.7981% | 27 |
| Net charge-offs to loans | -3.4280% | 5,814 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6291% | 4,871 |
| Assets per employee ($millions) | 2.3561% | 5,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8651% | 52 |
| Loan loss allowance to noncurrent loans | 85.6347% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 8.2265% | 46 |
| Noncurrent loans to loans | 5.6812% | 124 |
| Net loans and leases to total assets | 55.4981% | 4,206 |
| Net loans and leases to deposits | 66.0205% | 4,171 |
| Net loans and leases to core deposits | 70.8597% | 4,085 |
| Total domestic deposits to total assets | 84.0619% | 3,455 |
| Equity capital to assets | 15.3070% | 592 |
| Core capital (leverage) ratio | 16.3468% | 422 |
| Tier 1 risk-based capital ratio | 24.9271% | 780 |
| Total risk-based capital ratio | 26.2193% | 757 |
| Memoranda: | ||
| Average total assets | $51,897,000 | 5,270 |
| Average earning assets | $44,790,000 | 5,327 |
| Average equity | $7,987,500 | 4,900 |
| Average total loans | $33,488,500 | 5,041 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8185% | 859 |
| Cost of funding earning assets | 0.7750% | 563 |
| Net interest margin | 4.0435% | 1,514 |
| Noninterest income to average assets | 3.8298% | 153 |
| Noninterest expense to average assets | 6.7427% | 138 |
| Loan and lease loss provision to assets | -1.6228% | 5,910 |
| Net operating income to assets | 2.1603% | 239 |
| Return on assets (ROA) | 2.1603% | 249 |
| Pretax return on assets | 2.1603% | 353 |
| Return on Equity (ROE) | 14.8089% | 652 |
| Retained earnings to average equity (ytd only) | 14.8089% | 112 |
| Net charge-offs to loans | -0.0596% | 5,442 |
| Credit loss provision to net charge-offs | 3,636.3636% | 120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6163% | 438 |
| Assets per employee ($millions) | 2.1567% | 5,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5347% | 109 |
| Loan loss allowance to noncurrent loans | 38.0749% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 12.2674% | 24 |
| Noncurrent loans to loans | 9.2835% | 35 |
| Net loans and leases to total assets | 68.7741% | 2,654 |
| Net loans and leases to deposits | 81.9595% | 2,675 |
| Net loans and leases to core deposits | 87.5167% | 2,722 |
| Total domestic deposits to total assets | 83.9123% | 3,453 |
| Equity capital to assets | 15.4829% | 563 |
| Core capital (leverage) ratio | 15.3929% | 544 |
| Tier 1 risk-based capital ratio | 20.2815% | 1,326 |
| Total risk-based capital ratio | 21.5570% | 1,296 |
| Memoranda: | ||
| Average total assets | $49,298,000 | 5,361 |
| Average earning assets | $42,067,200 | 5,418 |
| Average equity | $7,191,600 | 5,061 |
| Average total loans | $36,928,800 | 4,986 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7722% | 949 |
| Cost of funding earning assets | 0.7922% | 526 |
| Net interest margin | 3.9800% | 1,711 |
| Noninterest income to average assets | 3.8492% | 154 |
| Noninterest expense to average assets | 6.7421% | 143 |
| Loan and lease loss provision to assets | -2.1670% | 5,977 |
| Net operating income to assets | 2.6627% | 127 |
| Return on assets (ROA) | 2.6627% | 130 |
| Pretax return on assets | 2.6627% | 174 |
| Return on Equity (ROE) | 18.5392% | 326 |
| Retained earnings to average equity (ytd only) | 18.5392% | 73 |
| Net charge-offs to loans | -0.0679% | 5,458 |
| Credit loss provision to net charge-offs | 4,210.5263% | 128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1512% | 423 |
| Assets per employee ($millions) | 2.4003% | 5,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2784% | 138 |
| Loan loss allowance to noncurrent loans | 35.4161% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 12.5439% | 26 |
| Noncurrent loans to loans | 9.2568% | 44 |
| Net loans and leases to total assets | 72.9859% | 2,022 |
| Net loans and leases to deposits | 86.5443% | 2,204 |
| Net loans and leases to core deposits | 90.8148% | 2,498 |
| Total domestic deposits to total assets | 84.3335% | 3,084 |
| Equity capital to assets | 15.0733% | 726 |
| Core capital (leverage) ratio | 15.5665% | 547 |
| Tier 1 risk-based capital ratio | 18.9363% | 1,685 |
| Total risk-based capital ratio | 20.2098% | 1,642 |
| Memoranda: | ||
| Average total assets | $49,221,750 | 5,413 |
| Average earning assets | $41,908,500 | 5,481 |
| Average equity | $7,069,500 | 5,127 |
| Average total loans | $37,320,000 | 5,014 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7791% | 924 |
| Cost of funding earning assets | 0.8255% | 425 |
| Net interest margin | 3.9536% | 1,795 |
| Noninterest income to average assets | 3.7602% | 162 |
| Noninterest expense to average assets | 6.9388% | 139 |
| Loan and lease loss provision to assets | -3.2769% | 6,055 |
| Net operating income to assets | 3.4530% | 71 |
| Return on assets (ROA) | 3.4530% | 70 |
| Pretax return on assets | 3.4530% | 93 |
| Return on Equity (ROE) | 24.4584% | 97 |
| Retained earnings to average equity (ytd only) | 24.4584% | 36 |
| Net charge-offs to loans | -0.0701% | 5,501 |
| Credit loss provision to net charge-offs | 6,153.8462% | 63 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5245% | 298 |
| Assets per employee ($millions) | 2.1151% | 5,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3290% | 141 |
| Loan loss allowance to noncurrent loans | 35.1857% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 13.6011% | 27 |
| Noncurrent loans to loans | 9.4611% | 43 |
| Net loans and leases to total assets | 77.4461% | 1,263 |
| Net loans and leases to deposits | 92.9102% | 1,405 |
| Net loans and leases to core deposits | 97.9480% | 1,811 |
| Total domestic deposits to total assets | 83.3559% | 3,518 |
| Equity capital to assets | 16.0273% | 541 |
| Core capital (leverage) ratio | 15.8401% | 485 |
| Tier 1 risk-based capital ratio | 18.7954% | 1,739 |
| Total risk-based capital ratio | 20.0680% | 1,694 |
| Memoranda: | ||
| Average total assets | $48,826,670 | 5,484 |
| Average earning assets | $41,430,670 | 5,552 |
| Average equity | $6,893,330 | 5,215 |
| Average total loans | $37,081,000 | 5,070 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6161% | 1,224 |
| Cost of funding earning assets | 0.8743% | 329 |
| Net interest margin | 3.7418% | 2,516 |
| Noninterest income to average assets | 3.5699% | 172 |
| Noninterest expense to average assets | 6.8196% | 146 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0640% | 5,825 |
| Return on assets (ROA) | -0.0640% | 5,846 |
| Pretax return on assets | -0.0640% | 5,847 |
| Return on Equity (ROE) | -0.4840% | 5,845 |
| Retained earnings to average equity (ytd only) | -0.4840% | 5,194 |
| Net charge-offs to loans | -0.0757% | 5,528 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9479% | 271 |
| Assets per employee ($millions) | 1.9442% | 6,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5140% | 40 |
| Loan loss allowance to noncurrent loans | 60.9281% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 12.6368% | 34 |
| Noncurrent loans to loans | 9.0500% | 54 |
| Net loans and leases to total assets | 71.7451% | 2,079 |
| Net loans and leases to deposits | 83.6516% | 2,346 |
| Net loans and leases to core deposits | 87.8451% | 2,581 |
| Total domestic deposits to total assets | 85.7666% | 2,777 |
| Equity capital to assets | 13.5935% | 1,141 |
| Core capital (leverage) ratio | 13.2983% | 1,052 |
| Tier 1 risk-based capital ratio | 17.1664% | 2,224 |
| Total risk-based capital ratio | 18.4655% | 2,178 |
| Memoranda: | ||
| Average total assets | $49,973,500 | 5,514 |
| Average earning assets | $42,546,500 | 5,583 |
| Average equity | $6,611,000 | 5,302 |
| Average total loans | $36,982,000 | 5,114 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6508% | 1,213 |
| Cost of funding earning assets | 0.8768% | 322 |
| Net interest margin | 3.7741% | 2,463 |
| Noninterest income to average assets | 3.6382% | 173 |
| Noninterest expense to average assets | 5.9228% | 187 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9091% | 2,816 |
| Return on assets (ROA) | 0.9091% | 2,900 |
| Pretax return on assets | 0.9091% | 3,801 |
| Return on Equity (ROE) | 7.7940% | 3,078 |
| Retained earnings to average equity (ytd only) | 7.7940% | 984 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6935% | 942 |
| Assets per employee ($millions) | 2.0537% | 6,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4725% | 39 |
| Loan loss allowance to noncurrent loans | 72.3769% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 12.4593% | 37 |
| Noncurrent loans to loans | 7.5611% | 84 |
| Net loans and leases to total assets | 68.2274% | 2,675 |
| Net loans and leases to deposits | 79.1013% | 2,929 |
| Net loans and leases to core deposits | 82.3286% | 3,109 |
| Total domestic deposits to total assets | 86.2532% | 2,513 |
| Equity capital to assets | 12.8839% | 1,408 |
| Core capital (leverage) ratio | 12.5952% | 1,311 |
| Tier 1 risk-based capital ratio | 16.8406% | 2,340 |
| Total risk-based capital ratio | 18.1390% | 2,273 |
| Memoranda: | ||
| Average total assets | $54,450,400 | 5,444 |
| Average earning assets | $46,077,800 | 5,526 |
| Average equity | $6,351,000 | 5,364 |
| Average total loans | $38,428,200 | 5,072 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6311% | 1,255 |
| Cost of funding earning assets | 0.8755% | 330 |
| Net interest margin | 3.7557% | 2,539 |
| Noninterest income to average assets | 3.7975% | 166 |
| Noninterest expense to average assets | 5.9510% | 181 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0260% | 2,350 |
| Return on assets (ROA) | 1.0260% | 2,435 |
| Pretax return on assets | 1.0260% | 3,519 |
| Return on Equity (ROE) | 9.0159% | 2,570 |
| Retained earnings to average equity (ytd only) | 9.0159% | 898 |
| Net charge-offs to loans | -0.0103% | 4,997 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2941% | 1,055 |
| Assets per employee ($millions) | 2.0664% | 6,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3133% | 52 |
| Loan loss allowance to noncurrent loans | 67.1627% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 12.3199% | 37 |
| Noncurrent loans to loans | 7.9111% | 73 |
| Net loans and leases to total assets | 67.3678% | 2,797 |
| Net loans and leases to deposits | 77.4385% | 3,155 |
| Net loans and leases to core deposits | 81.3293% | 3,320 |
| Total domestic deposits to total assets | 86.9951% | 2,043 |
| Equity capital to assets | 12.1822% | 1,973 |
| Core capital (leverage) ratio | 12.1110% | 1,612 |
| Tier 1 risk-based capital ratio | 16.2029% | 2,712 |
| Total risk-based capital ratio | 17.5001% | 2,645 |
| Memoranda: | ||
| Average total assets | $55,227,250 | 5,500 |
| Average earning assets | $46,755,000 | 5,577 |
| Average equity | $6,285,000 | 5,442 |
| Average total loans | $38,770,750 | 5,112 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5576% | 1,386 |
| Cost of funding earning assets | 0.8902% | 302 |
| Net interest margin | 3.6674% | 2,843 |
| Noninterest income to average assets | 3.4597% | 186 |
| Noninterest expense to average assets | 5.5556% | 215 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9941% | 2,416 |
| Return on assets (ROA) | 0.9941% | 2,528 |
| Pretax return on assets | 0.9941% | 3,608 |
| Return on Equity (ROE) | 8.9379% | 2,584 |
| Retained earnings to average equity (ytd only) | 8.9379% | 940 |
| Net charge-offs to loans | -0.0154% | 5,072 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8219% | 1,174 |
| Assets per employee ($millions) | 2.0426% | 6,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2034% | 59 |
| Loan loss allowance to noncurrent loans | 64.3219% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 12.7723% | 39 |
| Noncurrent loans to loans | 8.0896% | 81 |
| Net loans and leases to total assets | 69.6387% | 2,375 |
| Net loans and leases to deposits | 80.2774% | 2,750 |
| Net loans and leases to core deposits | 84.3629% | 2,947 |
| Total domestic deposits to total assets | 86.7475% | 2,298 |
| Equity capital to assets | 12.0455% | 1,987 |
| Core capital (leverage) ratio | 11.9089% | 1,708 |
| Tier 1 risk-based capital ratio | 15.1937% | 3,252 |
| Total risk-based capital ratio | 16.4881% | 3,164 |
| Memoranda: | ||
| Average total assets | $55,727,670 | 5,543 |
| Average earning assets | $46,954,330 | 5,634 |
| Average equity | $6,198,330 | 5,502 |
| Average total loans | $38,952,670 | 5,147 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5449% | 1,343 |
| Cost of funding earning assets | 0.9123% | 268 |
| Net interest margin | 3.6326% | 2,886 |
| Noninterest income to average assets | 3.0997% | 213 |
| Noninterest expense to average assets | 6.4098% | 176 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2665% | 6,175 |
| Return on assets (ROA) | -0.2665% | 6,196 |
| Pretax return on assets | -0.2665% | 6,180 |
| Return on Equity (ROE) | -2.4922% | 6,195 |
| Retained earnings to average equity (ytd only) | -2.4922% | 5,744 |
| Net charge-offs to loans | -0.0206% | 5,061 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3379% | 267 |
| Assets per employee ($millions) | 2.2580% | 6,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4266% | 55 |
| Loan loss allowance to noncurrent loans | 59.0288% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 13.7502% | 37 |
| Noncurrent loans to loans | 9.1932% | 75 |
| Net loans and leases to total assets | 62.6714% | 3,271 |
| Net loans and leases to deposits | 71.7839% | 3,554 |
| Net loans and leases to core deposits | 74.7839% | 3,709 |
| Total domestic deposits to total assets | 87.3056% | 2,212 |
| Equity capital to assets | 10.7759% | 3,229 |
| Core capital (leverage) ratio | 10.7482% | 2,692 |
| Tier 1 risk-based capital ratio | 14.0003% | 4,018 |
| Total risk-based capital ratio | 15.2755% | 3,916 |
| Memoranda: | ||
| Average total assets | $57,038,000 | 5,570 |
| Average earning assets | $47,789,500 | 5,664 |
| Average equity | $6,099,000 | 5,575 |
| Average total loans | $38,922,500 | 5,179 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8760% | 964 |
| Cost of funding earning assets | 1.0041% | 227 |
| Net interest margin | 3.8719% | 2,352 |
| Noninterest income to average assets | 2.3201% | 261 |
| Noninterest expense to average assets | 5.7284% | 208 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.0769% | 6,139 |
| Return on assets (ROA) | -0.0769% | 6,148 |
| Pretax return on assets | -0.0769% | 6,132 |
| Return on Equity (ROE) | -0.7703% | 6,157 |
| Retained earnings to average equity (ytd only) | -0.7703% | 5,893 |
| Net charge-offs to loans | -0.1408% | 6,194 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3607% | 340 |
| Assets per employee ($millions) | 2.3050% | 6,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0127% | 73 |
| Loan loss allowance to noncurrent loans | 56.2275% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 13.6484% | 45 |
| Noncurrent loans to loans | 8.9151% | 87 |
| Net loans and leases to total assets | 66.6539% | 2,781 |
| Net loans and leases to deposits | 75.9722% | 3,202 |
| Net loans and leases to core deposits | 79.0752% | 3,399 |
| Total domestic deposits to total assets | 87.7347% | 1,906 |
| Equity capital to assets | 10.6115% | 3,344 |
| Core capital (leverage) ratio | 10.2897% | 3,187 |
| Tier 1 risk-based capital ratio | 14.6618% | 3,688 |
| Total risk-based capital ratio | 15.9555% | 3,583 |
| Memoranda: | ||
| Average total assets | $61,117,000 | 5,521 |
| Average earning assets | $52,584,600 | 5,607 |
| Average equity | $6,101,600 | 5,598 |
| Average total loans | $46,162,000 | 4,950 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7826% | 1,139 |
| Cost of funding earning assets | 1.0125% | 234 |
| Net interest margin | 3.7701% | 2,736 |
| Noninterest income to average assets | 2.0949% | 319 |
| Noninterest expense to average assets | 5.5040% | 228 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.1333% | 6,239 |
| Return on assets (ROA) | -0.1333% | 6,246 |
| Pretax return on assets | -0.1333% | 6,222 |
| Return on Equity (ROE) | -1.3555% | 6,250 |
| Retained earnings to average equity (ytd only) | -1.3555% | 6,013 |
| Net charge-offs to loans | -0.0925% | 6,113 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4830% | 318 |
| Assets per employee ($millions) | 2.4658% | 6,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3862% | 116 |
| Loan loss allowance to noncurrent loans | 50.6599% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 12.1549% | 61 |
| Noncurrent loans to loans | 8.6582% | 104 |
| Net loans and leases to total assets | 70.5804% | 2,098 |
| Net loans and leases to deposits | 79.5226% | 2,769 |
| Net loans and leases to core deposits | 83.3046% | 2,960 |
| Total domestic deposits to total assets | 88.7552% | 1,373 |
| Equity capital to assets | 9.8968% | 4,305 |
| Core capital (leverage) ratio | 10.0656% | 3,577 |
| Tier 1 risk-based capital ratio | 13.6756% | 4,428 |
| Total risk-based capital ratio | 14.9656% | 4,339 |
| Memoranda: | ||
| Average total assets | $61,989,750 | 5,563 |
| Average earning assets | $53,861,000 | 5,639 |
| Average equity | $6,098,250 | 5,655 |
| Average total loans | $47,593,250 | 4,946 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7506% | 1,172 |
| Cost of funding earning assets | 1.0462% | 200 |
| Net interest margin | 3.7044% | 2,946 |
| Noninterest income to average assets | 1.8195% | 406 |
| Noninterest expense to average assets | 5.3555% | 252 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.3317% | 6,387 |
| Return on assets (ROA) | -0.3317% | 6,394 |
| Pretax return on assets | -0.3317% | 6,375 |
| Return on Equity (ROE) | -3.3785% | 6,389 |
| Retained earnings to average equity (ytd only) | -3.3785% | 6,122 |
| Net charge-offs to loans | -0.1243% | 6,208 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6026% | 285 |
| Assets per employee ($millions) | 2.7610% | 6,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3360% | 140 |
| Loan loss allowance to noncurrent loans | 48.6098% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 12.5992% | 54 |
| Noncurrent loans to loans | 8.9200% | 98 |
| Net loans and leases to total assets | 72.3898% | 1,672 |
| Net loans and leases to deposits | 81.4187% | 2,329 |
| Net loans and leases to core deposits | 86.0371% | 2,512 |
| Total domestic deposits to total assets | 88.9105% | 1,409 |
| Equity capital to assets | 9.9750% | 4,139 |
| Core capital (leverage) ratio | 9.6883% | 4,061 |
| Tier 1 risk-based capital ratio | 13.5389% | 4,558 |
| Total risk-based capital ratio | 14.8291% | 4,477 |
| Memoranda: | ||
| Average total assets | $62,104,330 | 5,610 |
| Average earning assets | $53,720,000 | 5,696 |
| Average equity | $6,097,330 | 5,694 |
| Average total loans | $48,289,000 | 4,955 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8702% | 913 |
| Cost of funding earning assets | 1.0420% | 225 |
| Net interest margin | 3.8281% | 2,355 |
| Noninterest income to average assets | 1.1977% | 770 |
| Noninterest expense to average assets | 4.9948% | 318 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.4969% | 6,470 |
| Return on assets (ROA) | -0.4969% | 6,470 |
| Pretax return on assets | -0.4969% | 6,453 |
| Return on Equity (ROE) | -5.1010% | 6,470 |
| Retained earnings to average equity (ytd only) | -5.1010% | 6,127 |
| Net charge-offs to loans | -0.2184% | 6,413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.0482% | 251 |
| Assets per employee ($millions) | 2.9816% | 5,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1111% | 175 |
| Loan loss allowance to noncurrent loans | 48.2190% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 12.8440% | 64 |
| Noncurrent loans to loans | 8.5258% | 145 |
| Net loans and leases to total assets | 74.1316% | 1,246 |
| Net loans and leases to deposits | 83.4580% | 1,882 |
| Net loans and leases to core deposits | 88.4586% | 2,047 |
| Total domestic deposits to total assets | 88.8250% | 1,765 |
| Equity capital to assets | 9.7041% | 4,222 |
| Core capital (leverage) ratio | 9.6847% | 4,020 |
| Tier 1 risk-based capital ratio | 12.9209% | 5,042 |
| Total risk-based capital ratio | 14.2066% | 4,966 |
| Memoranda: | ||
| Average total assets | $62,785,500 | 5,647 |
| Average earning assets | $54,125,500 | 5,732 |
| Average equity | $6,116,500 | 5,722 |
| Average total loans | $49,451,500 | 4,950 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6923% | 1,593 |
| Cost of funding earning assets | 1.1369% | 235 |
| Net interest margin | 3.5554% | 3,655 |
| Noninterest income to average assets | 2.2716% | 330 |
| Noninterest expense to average assets | 5.5110% | 243 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.2028% | 6,365 |
| Return on assets (ROA) | -0.2028% | 6,376 |
| Pretax return on assets | -0.2028% | 6,354 |
| Return on Equity (ROE) | -2.1086% | 6,388 |
| Retained earnings to average equity (ytd only) | -2.1086% | 6,188 |
| Net charge-offs to loans | 0.4936% | 1,344 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -0.5267% | 5,202 |
| Efficiency ratio | 103.8198% | 374 |
| Assets per employee ($millions) | 3.1479% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8874% | 219 |
| Loan loss allowance to noncurrent loans | 41.9176% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 13.6567% | 59 |
| Noncurrent loans to loans | 9.2738% | 132 |
| Net loans and leases to total assets | 77.0895% | 947 |
| Net loans and leases to deposits | 86.6508% | 1,615 |
| Net loans and leases to core deposits | 90.5130% | 1,961 |
| Total domestic deposits to total assets | 88.9657% | 1,654 |
| Equity capital to assets | 9.7795% | 4,063 |
| Core capital (leverage) ratio | 9.5646% | 4,164 |
| Tier 1 risk-based capital ratio | 12.3459% | 5,397 |
| Total risk-based capital ratio | 13.6289% | 5,306 |
| Memoranda: | ||
| Average total assets | $63,128,000 | 5,675 |
| Average earning assets | $53,918,600 | 5,770 |
| Average equity | $6,070,400 | 5,808 |
| Average total loans | $49,227,400 | 4,996 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6026% | 1,893 |
| Cost of funding earning assets | 1.1432% | 250 |
| Net interest margin | 3.4594% | 4,062 |
| Noninterest income to average assets | 2.5834% | 284 |
| Noninterest expense to average assets | 5.5721% | 242 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.0380% | 6,333 |
| Return on assets (ROA) | -0.0380% | 6,373 |
| Pretax return on assets | -0.0380% | 6,352 |
| Return on Equity (ROE) | -0.3968% | 6,378 |
| Retained earnings to average equity (ytd only) | -0.3968% | 6,020 |
| Net charge-offs to loans | 0.3844% | 1,669 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -0.1277% | 4,893 |
| Efficiency ratio | 100.6865% | 443 |
| Assets per employee ($millions) | 2.9501% | 5,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0106% | 237 |
| Loan loss allowance to noncurrent loans | 33.9303% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 16.7684% | 36 |
| Noncurrent loans to loans | 11.8200% | 86 |
| Net loans and leases to total assets | 76.1517% | 986 |
| Net loans and leases to deposits | 87.5986% | 1,417 |
| Net loans and leases to core deposits | 91.4666% | 1,820 |
| Total domestic deposits to total assets | 86.9326% | 2,730 |
| Equity capital to assets | 9.3433% | 4,753 |
| Core capital (leverage) ratio | 9.6499% | 4,171 |
| Tier 1 risk-based capital ratio | 11.6342% | 5,994 |
| Total risk-based capital ratio | 12.9169% | 5,928 |
| Memoranda: | ||
| Average total assets | $63,170,500 | 5,735 |
| Average earning assets | $53,881,500 | 5,829 |
| Average equity | $6,048,750 | 5,882 |
| Average total loans | $48,910,000 | 5,048 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4541% | 2,363 |
| Cost of funding earning assets | 1.1818% | 229 |
| Net interest margin | 3.2723% | 4,679 |
| Noninterest income to average assets | 3.0195% | 251 |
| Noninterest expense to average assets | 5.9463% | 211 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1310% | 6,438 |
| Return on assets (ROA) | -0.1310% | 6,482 |
| Pretax return on assets | -0.1310% | 6,451 |
| Return on Equity (ROE) | -1.3568% | 6,484 |
| Retained earnings to average equity (ytd only) | -1.3568% | 6,105 |
| Net charge-offs to loans | 0.4787% | 1,380 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.3565% | 4,644 |
| Efficiency ratio | 102.2527% | 421 |
| Assets per employee ($millions) | 2.7527% | 6,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2943% | 202 |
| Loan loss allowance to noncurrent loans | 25.1051% | 6,186 |
| Noncurrent assets plus other real estate owned to assets | 18.8263% | 26 |
| Noncurrent loans to loans | 17.1055% | 33 |
| Net loans and leases to total assets | 76.9514% | 871 |
| Net loans and leases to deposits | 86.6206% | 1,496 |
| Net loans and leases to core deposits | 89.9147% | 1,915 |
| Total domestic deposits to total assets | 88.8373% | 1,716 |
| Equity capital to assets | 9.9837% | 3,934 |
| Core capital (leverage) ratio | 9.6379% | 4,023 |
| Tier 1 risk-based capital ratio | 12.4925% | 5,508 |
| Total risk-based capital ratio | 13.7779% | 5,417 |
| Memoranda: | ||
| Average total assets | $62,593,330 | 5,788 |
| Average earning assets | $53,478,670 | 5,878 |
| Average equity | $6,043,670 | 5,920 |
| Average total loans | $48,050,330 | 5,100 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3373% | 2,732 |
| Cost of funding earning assets | 1.2171% | 216 |
| Net interest margin | 3.1202% | 5,193 |
| Noninterest income to average assets | 2.2575% | 364 |
| Noninterest expense to average assets | 5.6532% | 243 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.7357% | 6,750 |
| Return on assets (ROA) | -0.7357% | 6,764 |
| Pretax return on assets | -0.7357% | 6,742 |
| Return on Equity (ROE) | -7.7451% | 6,757 |
| Retained earnings to average equity (ytd only) | -7.7451% | 6,508 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.9616% | 259 |
| Assets per employee ($millions) | 2.8549% | 6,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5574% | 188 |
| Loan loss allowance to noncurrent loans | 25.3826% | 6,181 |
| Noncurrent assets plus other real estate owned to assets | 19.2531% | 30 |
| Noncurrent loans to loans | 17.9548% | 40 |
| Net loans and leases to total assets | 70.3588% | 1,605 |
| Net loans and leases to deposits | 78.5991% | 2,264 |
| Net loans and leases to core deposits | 80.7308% | 2,721 |
| Total domestic deposits to total assets | 89.5160% | 1,351 |
| Equity capital to assets | 9.1149% | 5,354 |
| Core capital (leverage) ratio | 9.5362% | 4,019 |
| Tier 1 risk-based capital ratio | 12.4221% | 5,625 |
| Total risk-based capital ratio | 13.7102% | 5,552 |
| Memoranda: | ||
| Average total assets | $63,610,500 | 5,816 |
| Average earning assets | $54,227,500 | 5,896 |
| Average equity | $6,042,500 | 5,971 |
| Average total loans | $47,729,500 | 5,138 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7474% | 2,404 |
| Cost of funding earning assets | 1.3949% | 256 |
| Net interest margin | 3.3525% | 5,061 |
| Noninterest income to average assets | 2.9721% | 260 |
| Noninterest expense to average assets | 6.9716% | 149 |
| Loan and lease loss provision to assets | -0.1652% | 6,961 |
| Net operating income to assets | -1.1344% | 6,781 |
| Return on assets (ROA) | -1.0085% | 6,766 |
| Pretax return on assets | -1.0085% | 6,740 |
| Return on Equity (ROE) | -10.2341% | 6,727 |
| Retained earnings to average equity (ytd only) | -10.2341% | 6,645 |
| Net charge-offs to loans | 0.6706% | 1,759 |
| Credit loss provision to net charge-offs | -34.5395% | 6,260 |
| Earnings coverage of net charge-offs (x) | -2.7171% | 5,862 |
| Efficiency ratio | 122.9126% | 188 |
| Assets per employee ($millions) | 1.9858% | 6,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6882% | 163 |
| Loan loss allowance to noncurrent loans | 28.1413% | 6,134 |
| Noncurrent assets plus other real estate owned to assets | 19.7112% | 27 |
| Noncurrent loans to loans | 16.6596% | 59 |
| Net loans and leases to total assets | 72.8537% | 1,364 |
| Net loans and leases to deposits | 81.7008% | 2,048 |
| Net loans and leases to core deposits | 84.0763% | 2,539 |
| Total domestic deposits to total assets | 89.1714% | 1,457 |
| Equity capital to assets | 9.9092% | 4,300 |
| Core capital (leverage) ratio | 9.7605% | 3,712 |
| Tier 1 risk-based capital ratio | 12.3191% | 5,588 |
| Total risk-based capital ratio | 13.6004% | 5,518 |
| Memoranda: | ||
| Average total assets | $63,557,800 | 5,837 |
| Average earning assets | $51,186,000 | 6,002 |
| Average equity | $6,263,400 | 5,947 |
| Average total loans | $45,329,200 | 5,273 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6323% | 3,092 |
| Cost of funding earning assets | 1.4116% | 284 |
| Net interest margin | 3.2206% | 5,650 |
| Noninterest income to average assets | 3.4572% | 210 |
| Noninterest expense to average assets | 7.1517% | 136 |
| Loan and lease loss provision to assets | 0.2706% | 2,408 |
| Net operating income to assets | -1.4008% | 6,946 |
| Return on assets (ROA) | -1.2343% | 6,935 |
| Pretax return on assets | -1.2343% | 6,917 |
| Return on Equity (ROE) | -12.5415% | 6,899 |
| Retained earnings to average equity (ytd only) | -12.5415% | 6,865 |
| Net charge-offs to loans | 0.9622% | 1,110 |
| Credit loss provision to net charge-offs | 40.1235% | 4,616 |
| Earnings coverage of net charge-offs (x) | -1.6759% | 5,627 |
| Efficiency ratio | 118.7694% | 204 |
| Assets per employee ($millions) | 2.0481% | 6,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3017% | 117 |
| Loan loss allowance to noncurrent loans | 31.9351% | 6,041 |
| Noncurrent assets plus other real estate owned to assets | 19.6992% | 40 |
| Noncurrent loans to loans | 16.6013% | 78 |
| Net loans and leases to total assets | 68.1115% | 2,277 |
| Net loans and leases to deposits | 75.9333% | 2,990 |
| Net loans and leases to core deposits | 77.3568% | 3,561 |
| Total domestic deposits to total assets | 89.6992% | 1,011 |
| Equity capital to assets | 9.6787% | 4,951 |
| Core capital (leverage) ratio | 9.7303% | 3,903 |
| Tier 1 risk-based capital ratio | 12.5137% | 5,628 |
| Total risk-based capital ratio | 13.8091% | 5,557 |
| Memoranda: | ||
| Average total assets | $64,057,500 | 5,877 |
| Average earning assets | $51,003,500 | 6,087 |
| Average equity | $6,304,250 | 6,009 |
| Average total loans | $44,898,000 | 5,349 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6660% | 3,068 |
| Cost of funding earning assets | 1.4639% | 274 |
| Net interest margin | 3.2022% | 5,738 |
| Noninterest income to average assets | 3.1597% | 230 |
| Noninterest expense to average assets | 7.1941% | 140 |
| Loan and lease loss provision to assets | 0.3736% | 1,752 |
| Net operating income to assets | -1.9020% | 7,062 |
| Return on assets (ROA) | -1.6530% | 7,049 |
| Pretax return on assets | -1.6530% | 7,026 |
| Return on Equity (ROE) | -16.7051% | 6,999 |
| Retained earnings to average equity (ytd only) | -16.7051% | 6,970 |
| Net charge-offs to loans | 1.9936% | 423 |
| Credit loss provision to net charge-offs | 26.9663% | 4,485 |
| Earnings coverage of net charge-offs (x) | -1.1034% | 5,319 |
| Efficiency ratio | 126.9780% | 182 |
| Assets per employee ($millions) | 2.0678% | 7,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9092% | 174 |
| Loan loss allowance to noncurrent loans | 31.6517% | 6,077 |
| Noncurrent assets plus other real estate owned to assets | 18.8278% | 53 |
| Noncurrent loans to loans | 15.5101% | 91 |
| Net loans and leases to total assets | 69.1975% | 2,070 |
| Net loans and leases to deposits | 77.0649% | 2,826 |
| Net loans and leases to core deposits | 78.4941% | 3,451 |
| Total domestic deposits to total assets | 89.7913% | 1,048 |
| Equity capital to assets | 9.6799% | 4,782 |
| Core capital (leverage) ratio | 9.9396% | 3,499 |
| Tier 1 risk-based capital ratio | 12.4043% | 5,639 |
| Total risk-based capital ratio | 13.6977% | 5,583 |
| Memoranda: | ||
| Average total assets | $64,246,670 | 5,909 |
| Average earning assets | $50,278,330 | 6,146 |
| Average equity | $6,357,330 | 6,022 |
| Average total loans | $44,642,330 | 5,400 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1195% | 5,385 |
| Cost of funding earning assets | 1.4490% | 354 |
| Net interest margin | 2.6705% | 6,807 |
| Noninterest income to average assets | 3.3085% | 207 |
| Noninterest expense to average assets | 6.6357% | 161 |
| Loan and lease loss provision to assets | 0.3110% | 2,024 |
| Net operating income to assets | -1.4490% | 7,079 |
| Return on assets (ROA) | -1.4490% | 7,088 |
| Pretax return on assets | -1.4490% | 7,067 |
| Return on Equity (ROE) | -14.4867% | 7,060 |
| Retained earnings to average equity (ytd only) | -14.4867% | 6,962 |
| Net charge-offs to loans | 3.4005% | 194 |
| Credit loss provision to net charge-offs | 13.4771% | 3,860 |
| Earnings coverage of net charge-offs (x) | -0.4933% | 4,501 |
| Efficiency ratio | 120.7014% | 214 |
| Assets per employee ($millions) | 2.0580% | 7,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2206% | 144 |
| Loan loss allowance to noncurrent loans | 32.8936% | 6,029 |
| Noncurrent assets plus other real estate owned to assets | 19.7997% | 51 |
| Noncurrent loans to loans | 15.8713% | 110 |
| Net loans and leases to total assets | 65.2785% | 2,604 |
| Net loans and leases to deposits | 73.4995% | 3,195 |
| Net loans and leases to core deposits | 74.3497% | 3,856 |
| Total domestic deposits to total assets | 88.8149% | 1,809 |
| Equity capital to assets | 10.3246% | 3,706 |
| Core capital (leverage) ratio | 9.8767% | 3,532 |
| Tier 1 risk-based capital ratio | 13.3816% | 4,912 |
| Total risk-based capital ratio | 14.6737% | 4,874 |
| Memoranda: | ||
| Average total assets | $64,319,000 | 5,949 |
| Average earning assets | $52,724,500 | 6,110 |
| Average equity | $6,433,500 | 6,034 |
| Average total loans | $43,640,000 | 5,484 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6600% | 4,420 |
| Cost of funding earning assets | 2.0256% | 84 |
| Net interest margin | 2.6344% | 6,982 |
| Noninterest income to average assets | 1.0372% | 1,261 |
| Noninterest expense to average assets | 5.2195% | 325 |
| Loan and lease loss provision to assets | 1.3101% | 625 |
| Net operating income to assets | -3.2815% | 7,210 |
| Return on assets (ROA) | -3.2815% | 7,216 |
| Pretax return on assets | -3.2815% | 7,218 |
| Return on Equity (ROE) | -34.0263% | 7,122 |
| Retained earnings to average equity (ytd only) | -34.0263% | 7,116 |
| Net charge-offs to loans | 2.8012% | 377 |
| Credit loss provision to net charge-offs | 69.2421% | 4,880 |
| Earnings coverage of net charge-offs (x) | -1.0419% | 6,198 |
| Efficiency ratio | 160.6944% | 114 |
| Assets per employee ($millions) | 1.9648% | 7,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0338% | 90 |
| Loan loss allowance to noncurrent loans | 33.1600% | 5,994 |
| Noncurrent assets plus other real estate owned to assets | 22.9384% | 32 |
| Noncurrent loans to loans | 18.1961% | 73 |
| Net loans and leases to total assets | 62.8079% | 3,449 |
| Net loans and leases to deposits | 73.8088% | 3,531 |
| Net loans and leases to core deposits | 75.1005% | 4,085 |
| Total domestic deposits to total assets | 85.0954% | 3,788 |
| Equity capital to assets | 9.6855% | 4,620 |
| Core capital (leverage) ratio | 9.2136% | 4,445 |
| Tier 1 risk-based capital ratio | 12.6968% | 5,309 |
| Total risk-based capital ratio | 13.9960% | 5,250 |
| Memoranda: | ||
| Average total assets | $71,827,400 | 5,698 |
| Average earning assets | $60,279,200 | 5,856 |
| Average equity | $6,927,000 | 5,883 |
| Average total loans | $48,514,400 | 5,320 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6895% | 4,507 |
| Cost of funding earning assets | 2.0640% | 92 |
| Net interest margin | 2.6255% | 7,053 |
| Noninterest income to average assets | 1.3011% | 772 |
| Noninterest expense to average assets | 4.9309% | 401 |
| Loan and lease loss provision to assets | 1.7053% | 361 |
| Net operating income to assets | -3.1151% | 7,279 |
| Return on assets (ROA) | -3.1151% | 7,287 |
| Pretax return on assets | -3.1151% | 7,281 |
| Return on Equity (ROE) | -32.3321% | 7,211 |
| Retained earnings to average equity (ytd only) | -32.3321% | 7,204 |
| Net charge-offs to loans | 3.4880% | 227 |
| Credit loss provision to net charge-offs | 72.2180% | 4,412 |
| Earnings coverage of net charge-offs (x) | -0.5971% | 5,861 |
| Efficiency ratio | 140.0412% | 183 |
| Assets per employee ($millions) | 2.4830% | 6,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8625% | 100 |
| Loan loss allowance to noncurrent loans | 41.5526% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 19.3881% | 62 |
| Noncurrent loans to loans | 14.1086% | 158 |
| Net loans and leases to total assets | 63.9758% | 3,309 |
| Net loans and leases to deposits | 77.6472% | 3,061 |
| Net loans and leases to core deposits | 79.0046% | 3,773 |
| Total domestic deposits to total assets | 82.3929% | 4,929 |
| Equity capital to assets | 9.7433% | 4,716 |
| Core capital (leverage) ratio | 9.3715% | 4,347 |
| Tier 1 risk-based capital ratio | 12.9029% | 5,169 |
| Total risk-based capital ratio | 14.2022% | 5,099 |
| Memoranda: | ||
| Average total assets | $73,574,500 | 5,694 |
| Average earning assets | $62,208,250 | 5,834 |
| Average equity | $7,088,750 | 5,883 |
| Average total loans | $49,808,250 | 5,310 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6613% | 4,697 |
| Cost of funding earning assets | 2.1292% | 88 |
| Net interest margin | 2.5321% | 7,166 |
| Noninterest income to average assets | 1.1089% | 1,055 |
| Noninterest expense to average assets | 4.8817% | 405 |
| Loan and lease loss provision to assets | 1.3201% | 561 |
| Net operating income to assets | -2.9359% | 7,302 |
| Return on assets (ROA) | -2.9359% | 7,306 |
| Pretax return on assets | -2.9359% | 7,300 |
| Return on Equity (ROE) | -30.5733% | 7,251 |
| Retained earnings to average equity (ytd only) | -30.5733% | 7,244 |
| Net charge-offs to loans | 1.4446% | 1,039 |
| Credit loss provision to net charge-offs | 135.1351% | 2,254 |
| Earnings coverage of net charge-offs (x) | -1.6541% | 5,695 |
| Efficiency ratio | 149.4745% | 155 |
| Assets per employee ($millions) | 5.9590% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4725% | 73 |
| Loan loss allowance to noncurrent loans | 34.3133% | 6,024 |
| Noncurrent assets plus other real estate owned to assets | 21.7696% | 43 |
| Noncurrent loans to loans | 18.8631% | 78 |
| Net loans and leases to total assets | 63.9159% | 3,481 |
| Net loans and leases to deposits | 76.6875% | 3,345 |
| Net loans and leases to core deposits | 77.9271% | 4,060 |
| Total domestic deposits to total assets | 83.3459% | 4,612 |
| Equity capital to assets | 9.2899% | 5,153 |
| Core capital (leverage) ratio | 8.6892% | 5,238 |
| Tier 1 risk-based capital ratio | 12.4123% | 5,428 |
| Total risk-based capital ratio | 13.7180% | 5,356 |
| Memoranda: | ||
| Average total assets | $75,752,330 | 5,659 |
| Average earning assets | $64,532,000 | 5,804 |
| Average equity | $7,274,330 | 5,848 |
| Average total loans | $51,224,000 | 5,308 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4575% | 5,491 |
| Cost of funding earning assets | 2.1269% | 109 |
| Net interest margin | 2.3306% | 7,299 |
| Noninterest income to average assets | 0.8629% | 1,803 |
| Noninterest expense to average assets | 3.9602% | 1,087 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.0992% | 7,069 |
| Return on assets (ROA) | -1.0992% | 7,078 |
| Pretax return on assets | -1.0992% | 7,027 |
| Return on Equity (ROE) | -11.2780% | 7,056 |
| Retained earnings to average equity (ytd only) | -11.2780% | 6,915 |
| Net charge-offs to loans | 0.7252% | 1,765 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -2.2526% | 4,970 |
| Efficiency ratio | 138.4201% | 215 |
| Assets per employee ($millions) | 6.5722% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8170% | 112 |
| Loan loss allowance to noncurrent loans | 36.7204% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 18.2804% | 84 |
| Noncurrent loans to loans | 15.8414% | 131 |
| Net loans and leases to total assets | 60.3162% | 4,207 |
| Net loans and leases to deposits | 72.0012% | 4,078 |
| Net loans and leases to core deposits | 73.0471% | 4,642 |
| Total domestic deposits to total assets | 83.7712% | 4,586 |
| Equity capital to assets | 9.4870% | 4,455 |
| Core capital (leverage) ratio | 9.5822% | 3,684 |
| Tier 1 risk-based capital ratio | 13.3698% | 4,528 |
| Total risk-based capital ratio | 14.6870% | 4,453 |
| Memoranda: | ||
| Average total assets | $77,874,500 | 5,650 |
| Average earning assets | $66,764,000 | 5,776 |
| Average equity | $7,590,000 | 5,745 |
| Average total loans | $52,402,000 | 5,315 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4055% | 6,610 |
| Cost of funding earning assets | 2.4588% | 128 |
| Net interest margin | 1.9467% | 7,472 |
| Noninterest income to average assets | 1.9200% | 422 |
| Noninterest expense to average assets | 4.5582% | 614 |
| Loan and lease loss provision to assets | 3.0414% | 306 |
| Net operating income to assets | -4.0031% | 7,439 |
| Return on assets (ROA) | -4.0031% | 7,448 |
| Pretax return on assets | -3.9092% | 7,427 |
| Return on Equity (ROE) | -40.8470% | 7,359 |
| Retained earnings to average equity (ytd only) | -40.8470% | 7,352 |
| Net charge-offs to loans | 2.6947% | 673 |
| Credit loss provision to net charge-offs | 156.8548% | 2,249 |
| Earnings coverage of net charge-offs (x) | -0.4476% | 6,427 |
| Efficiency ratio | 123.5169% | 373 |
| Assets per employee ($millions) | 2.8475% | 6,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5859% | 133 |
| Loan loss allowance to noncurrent loans | 32.3555% | 6,156 |
| Noncurrent assets plus other real estate owned to assets | 20.5052% | 65 |
| Noncurrent loans to loans | 17.2643% | 104 |
| Net loans and leases to total assets | 66.6779% | 3,307 |
| Net loans and leases to deposits | 80.4659% | 3,080 |
| Net loans and leases to core deposits | 81.6761% | 3,953 |
| Total domestic deposits to total assets | 82.8649% | 4,857 |
| Equity capital to assets | 10.0126% | 3,730 |
| Core capital (leverage) ratio | 8.9816% | 4,579 |
| Tier 1 risk-based capital ratio | 12.2941% | 5,216 |
| Total risk-based capital ratio | 13.5906% | 5,144 |
| Memoranda: | ||
| Average total assets | $89,531,600 | 5,307 |
| Average earning assets | $81,421,000 | 5,294 |
| Average equity | $8,774,200 | 5,482 |
| Average total loans | $64,422,600 | 4,893 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5731% | 6,411 |
| Cost of funding earning assets | 2.4305% | 180 |
| Net interest margin | 2.1426% | 7,536 |
| Noninterest income to average assets | 1.8325% | 437 |
| Noninterest expense to average assets | 4.2850% | 754 |
| Loan and lease loss provision to assets | 3.5830% | 197 |
| Net operating income to assets | -4.0663% | 7,577 |
| Return on assets (ROA) | -4.0663% | 7,586 |
| Pretax return on assets | -4.0663% | 7,568 |
| Return on Equity (ROE) | -41.6801% | 7,513 |
| Retained earnings to average equity (ytd only) | -41.6801% | 7,511 |
| Net charge-offs to loans | 1.7265% | 1,128 |
| Credit loss provision to net charge-offs | 287.3126% | 1,124 |
| Earnings coverage of net charge-offs (x) | -0.3875% | 6,283 |
| Efficiency ratio | 112.7128% | 482 |
| Assets per employee ($millions) | 3.2610% | 5,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0607% | 107 |
| Loan loss allowance to noncurrent loans | 26.7649% | 6,532 |
| Noncurrent assets plus other real estate owned to assets | 19.8664% | 63 |
| Noncurrent loans to loans | 22.6443% | 53 |
| Net loans and leases to total assets | 64.6057% | 3,993 |
| Net loans and leases to deposits | 82.1038% | 3,087 |
| Net loans and leases to core deposits | 83.8490% | 3,966 |
| Total domestic deposits to total assets | 78.6878% | 6,092 |
| Equity capital to assets | 9.6277% | 4,657 |
| Core capital (leverage) ratio | 8.9550% | 4,755 |
| Tier 1 risk-based capital ratio | 12.3377% | 5,133 |
| Total risk-based capital ratio | 13.6390% | 5,056 |
| Memoranda: | ||
| Average total assets | $92,693,750 | 5,263 |
| Average earning assets | $85,192,000 | 5,227 |
| Average equity | $9,043,250 | 5,483 |
| Average total loans | $66,954,000 | 4,867 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6638% | 6,262 |
| Cost of funding earning assets | 2.4653% | 198 |
| Net interest margin | 2.1985% | 7,583 |
| Noninterest income to average assets | 1.6192% | 498 |
| Noninterest expense to average assets | 3.9069% | 1,174 |
| Loan and lease loss provision to assets | 3.8348% | 211 |
| Net operating income to assets | -4.0937% | 7,633 |
| Return on assets (ROA) | -4.0937% | 7,638 |
| Pretax return on assets | -4.0937% | 7,614 |
| Return on Equity (ROE) | -41.7894% | 7,544 |
| Retained earnings to average equity (ytd only) | -41.7894% | 7,536 |
| Net charge-offs to loans | 1.7572% | 1,063 |
| Credit loss provision to net charge-offs | 297.6936% | 1,246 |
| Earnings coverage of net charge-offs (x) | -0.2010% | 5,874 |
| Efficiency ratio | 107.0971% | 607 |
| Assets per employee ($millions) | 3.1420% | 5,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9908% | 173 |
| Loan loss allowance to noncurrent loans | 22.1918% | 6,837 |
| Noncurrent assets plus other real estate owned to assets | 18.3174% | 77 |
| Noncurrent loans to loans | 22.4892% | 50 |
| Net loans and leases to total assets | 65.5570% | 3,926 |
| Net loans and leases to deposits | 82.6808% | 3,138 |
| Net loans and leases to core deposits | 84.3052% | 4,097 |
| Total domestic deposits to total assets | 79.2892% | 5,943 |
| Equity capital to assets | 9.9141% | 4,118 |
| Core capital (leverage) ratio | 9.5118% | 3,806 |
| Tier 1 risk-based capital ratio | 14.0396% | 3,699 |
| Total risk-based capital ratio | 15.3351% | 3,629 |
| Memoranda: | ||
| Average total assets | $94,242,330 | 5,244 |
| Average earning assets | $86,967,000 | 5,210 |
| Average equity | $9,232,000 | 5,440 |
| Average total loans | $69,087,330 | 4,822 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0885% | 4,584 |
| Cost of funding earning assets | 2.5397% | 203 |
| Net interest margin | 2.5489% | 7,431 |
| Noninterest income to average assets | 1.2777% | 742 |
| Noninterest expense to average assets | 3.2855% | 2,573 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3438% | 5,110 |
| Return on assets (ROA) | 0.3438% | 5,235 |
| Pretax return on assets | 0.3438% | 5,480 |
| Return on Equity (ROE) | 3.5311% | 5,096 |
| Retained earnings to average equity (ytd only) | 3.5311% | 4,028 |
| Net charge-offs to loans | 0.0675% | 4,732 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 6.7500% | 2,171 |
| Efficiency ratio | 90.5263% | 1,389 |
| Assets per employee ($millions) | 8.0658% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8995% | 903 |
| Loan loss allowance to noncurrent loans | 23.1610% | 6,848 |
| Noncurrent assets plus other real estate owned to assets | 11.1645% | 322 |
| Noncurrent loans to loans | 12.5189% | 266 |
| Net loans and leases to total assets | 70.3758% | 2,834 |
| Net loans and leases to deposits | 94.2939% | 1,317 |
| Net loans and leases to core deposits | 96.2090% | 2,560 |
| Total domestic deposits to total assets | 74.6345% | 6,965 |
| Equity capital to assets | 9.5310% | 4,485 |
| Core capital (leverage) ratio | 9.5007% | 3,771 |
| Tier 1 risk-based capital ratio | 13.0774% | 4,280 |
| Total risk-based capital ratio | 14.3471% | 4,235 |
| Memoranda: | ||
| Average total assets | $94,233,500 | 5,308 |
| Average earning assets | $86,940,500 | 5,275 |
| Average equity | $9,175,500 | 5,490 |
| Average total loans | $71,111,000 | 4,817 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9008% | 2,233 |
| Cost of funding earning assets | 2.9887% | 243 |
| Net interest margin | 2.9121% | 6,840 |
| Noninterest income to average assets | 0.9913% | 1,607 |
| Noninterest expense to average assets | 3.1755% | 3,460 |
| Loan and lease loss provision to assets | 1.3803% | 1,663 |
| Net operating income to assets | -0.8631% | 6,485 |
| Return on assets (ROA) | -0.8631% | 6,480 |
| Pretax return on assets | -0.8631% | 6,313 |
| Return on Equity (ROE) | -9.0146% | 6,540 |
| Retained earnings to average equity (ytd only) | -9.0146% | 6,431 |
| Net charge-offs to loans | 0.4223% | 4,106 |
| Credit loss provision to net charge-offs | 377.8761% | 845 |
| Earnings coverage of net charge-offs (x) | 1.4159% | 4,709 |
| Efficiency ratio | 85.9936% | 2,112 |
| Assets per employee ($millions) | 7.0522% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8388% | 888 |
| Loan loss allowance to noncurrent loans | 41.2500% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 8.0216% | 559 |
| Noncurrent loans to loans | 6.8820% | 828 |
| Net loans and leases to total assets | 76.3826% | 1,717 |
| Net loans and leases to deposits | 108.9272% | 421 |
| Net loans and leases to core deposits | 156.9105% | 379 |
| Total domestic deposits to total assets | 70.1226% | 7,417 |
| Equity capital to assets | 9.9544% | 3,825 |
| Core capital (leverage) ratio | 10.1449% | 2,955 |
| Tier 1 risk-based capital ratio | 12.8931% | 4,216 |
| Total risk-based capital ratio | 14.1630% | 4,148 |
| Memoranda: | ||
| Average total assets | $92,803,200 | 5,310 |
| Average earning assets | $86,090,200 | 5,258 |
| Average equity | $8,885,600 | 5,638 |
| Average total loans | $80,281,200 | 4,500 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0125% | 1,983 |
| Cost of funding earning assets | 3.1311% | 225 |
| Net interest margin | 2.8814% | 6,901 |
| Noninterest income to average assets | 0.8351% | 2,262 |
| Noninterest expense to average assets | 2.9349% | 4,296 |
| Loan and lease loss provision to assets | 1.5871% | 1,193 |
| Net operating income to assets | -1.0098% | 6,839 |
| Return on assets (ROA) | -1.0098% | 6,850 |
| Pretax return on assets | -1.0098% | 6,694 |
| Return on Equity (ROE) | -10.6507% | 6,938 |
| Retained earnings to average equity (ytd only) | -10.6507% | 6,864 |
| Net charge-offs to loans | 0.2899% | 4,224 |
| Credit loss provision to net charge-offs | 618.9944% | 612 |
| Earnings coverage of net charge-offs (x) | 2.2514% | 4,136 |
| Efficiency ratio | 83.5644% | 2,341 |
| Assets per employee ($millions) | 3.5266% | 4,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6504% | 924 |
| Loan loss allowance to noncurrent loans | 50.5973% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 7.3239% | 627 |
| Noncurrent loans to loans | 5.2383% | 1,226 |
| Net loans and leases to total assets | 84.6956% | 465 |
| Net loans and leases to deposits | 147.3789% | 58 |
| Net loans and leases to core deposits | 184.0819% | 160 |
| Total domestic deposits to total assets | 57.4679% | 7,911 |
| Equity capital to assets | 10.4884% | 3,527 |
| Core capital (leverage) ratio | 10.1873% | 3,077 |
| Tier 1 risk-based capital ratio | 12.4641% | 4,572 |
| Total risk-based capital ratio | 13.7315% | 4,510 |
| Memoranda: | ||
| Average total assets | $93,084,500 | 5,330 |
| Average earning assets | $86,485,000 | 5,287 |
| Average equity | $8,825,500 | 5,709 |
| Average total loans | $82,333,500 | 4,474 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0543% | 1,966 |
| Cost of funding earning assets | 3.2448% | 239 |
| Net interest margin | 2.8095% | 6,995 |
| Noninterest income to average assets | 0.7200% | 2,867 |
| Noninterest expense to average assets | 2.7955% | 4,980 |
| Loan and lease loss provision to assets | 2.3120% | 692 |
| Net operating income to assets | -1.7714% | 7,353 |
| Return on assets (ROA) | -1.7714% | 7,347 |
| Pretax return on assets | -1.7714% | 7,206 |
| Return on Equity (ROE) | -19.3207% | 7,484 |
| Retained earnings to average equity (ytd only) | -19.3207% | 7,434 |
| Net charge-offs to loans | 0.0428% | 5,867 |
| Credit loss provision to net charge-offs | 6,083.3333% | 77 |
| Earnings coverage of net charge-offs (x) | 14.2222% | 1,672 |
| Efficiency ratio | 83.7975% | 2,503 |
| Assets per employee ($millions) | 4.4482% | 2,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6158% | 811 |
| Loan loss allowance to noncurrent loans | 69.7251% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 6.8642% | 637 |
| Noncurrent loans to loans | 3.7515% | 1,846 |
| Net loans and leases to total assets | 86.9246% | 302 |
| Net loans and leases to deposits | 136.5751% | 91 |
| Net loans and leases to core deposits | 168.6916% | 333 |
| Total domestic deposits to total assets | 63.6460% | 7,848 |
| Equity capital to assets | 9.3939% | 4,757 |
| Core capital (leverage) ratio | 9.2242% | 4,272 |
| Tier 1 risk-based capital ratio | 10.7378% | 6,151 |
| Total risk-based capital ratio | 12.0052% | 6,068 |
| Memoranda: | ||
| Average total assets | $94,724,670 | 5,316 |
| Average earning assets | $88,202,000 | 5,255 |
| Average equity | $8,685,000 | 5,782 |
| Average total loans | $84,210,000 | 4,453 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1591% | 1,729 |
| Cost of funding earning assets | 3.4133% | 188 |
| Net interest margin | 2.7458% | 7,102 |
| Noninterest income to average assets | 0.4361% | 4,904 |
| Noninterest expense to average assets | 2.5875% | 5,508 |
| Loan and lease loss provision to assets | 0.5871% | 2,144 |
| Net operating income to assets | -0.1677% | 6,506 |
| Return on assets (ROA) | -0.1677% | 6,600 |
| Pretax return on assets | -0.1677% | 6,537 |
| Return on Equity (ROE) | -1.8519% | 6,642 |
| Retained earnings to average equity (ytd only) | -1.8519% | 6,072 |
| Net charge-offs to loans | -0.0331% | 7,582 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0530% | 2,058 |
| Assets per employee ($millions) | 4.6101% | 2,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 3,195 |
| Loan loss allowance to noncurrent loans | 31.4401% | 6,444 |
| Noncurrent assets plus other real estate owned to assets | 6.0374% | 654 |
| Noncurrent loans to loans | 4.6320% | 1,216 |
| Net loans and leases to total assets | 87.4387% | 306 |
| Net loans and leases to deposits | 135.5408% | 111 |
| Net loans and leases to core deposits | 169.3040% | 360 |
| Total domestic deposits to total assets | 64.5110% | 7,820 |
| Equity capital to assets | 9.2870% | 4,954 |
| Core capital (leverage) ratio | 9.3860% | 4,123 |
| Tier 1 risk-based capital ratio | 10.4263% | 6,468 |
| Total risk-based capital ratio | 11.6783% | 6,376 |
| Memoranda: | ||
| Average total assets | $95,381,000 | 5,319 |
| Average earning assets | $89,298,500 | 5,246 |
| Average equity | $8,640,000 | 5,833 |
| Average total loans | $84,625,500 | 4,475 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9482% | 1,261 |
| Cost of funding earning assets | 3.8654% | 157 |
| Net interest margin | 3.0829% | 6,697 |
| Noninterest income to average assets | 0.1555% | 7,313 |
| Noninterest expense to average assets | 2.6404% | 5,486 |
| Loan and lease loss provision to assets | 1.4726% | 922 |
| Net operating income to assets | -0.9269% | 7,205 |
| Return on assets (ROA) | -0.9269% | 7,129 |
| Pretax return on assets | -1.0340% | 7,016 |
| Return on Equity (ROE) | -9.6481% | 7,254 |
| Retained earnings to average equity (ytd only) | -9.6481% | 7,043 |
| Net charge-offs to loans | 0.6153% | 1,995 |
| Credit loss provision to net charge-offs | 273.6967% | 1,675 |
| Earnings coverage of net charge-offs (x) | 0.8152% | 5,744 |
| Efficiency ratio | 85.7557% | 1,881 |
| Assets per employee ($millions) | 4.4738% | 2,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 3,624 |
| Loan loss allowance to noncurrent loans | 33.9171% | 6,465 |
| Noncurrent assets plus other real estate owned to assets | 5.4913% | 592 |
| Noncurrent loans to loans | 3.9053% | 1,262 |
| Net loans and leases to total assets | 87.5411% | 411 |
| Net loans and leases to deposits | 125.9190% | 270 |
| Net loans and leases to core deposits | 157.8368% | 623 |
| Total domestic deposits to total assets | 69.5218% | 7,332 |
| Equity capital to assets | 8.8229% | 5,615 |
| Core capital (leverage) ratio | 8.9437% | 4,824 |
| Tier 1 risk-based capital ratio | 9.6086% | 7,199 |
| Total risk-based capital ratio | 10.8593% | 7,089 |
| Memoranda: | ||
| Average total assets | $78,435,000 | 5,754 |
| Average earning assets | $74,378,600 | 5,647 |
| Average equity | $7,535,200 | 6,266 |
| Average total loans | $68,587,000 | 4,926 |