Home > Farmers and Mechanics Federal Savings Bank > Performance and Condition Ratios
Farmers and Mechanics Federal Savings 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 | 4.5532% | 3,822 |
| Cost of funding earning assets | 2.0295% | 1,855 |
| Net interest margin | 2.5237% | 4,009 |
| Noninterest income to average assets | 0.2400% | 3,290 |
| Noninterest expense to average assets | 3.0460% | 1,071 |
| Loan and lease loss provision to assets | 0.0100% | 2,596 |
| Net operating income to assets | -0.4137% | 4,302 |
| Return on assets (ROA) | -0.4137% | 4,332 |
| Pretax return on assets | -0.4137% | 4,321 |
| Return on Equity (ROE) | -11.1600% | 4,393 |
| Retained earnings to average equity (ytd only) | -11.1586% | 4,277 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 115.2778% | 145 |
| Assets per employee ($millions) | 6.2745% | 2,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4070% | 4,304 |
| Loan loss allowance to noncurrent loans | 26.6533% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 0.8371% | 904 |
| Noncurrent loans to loans | 1.5271% | 633 |
| Net loans and leases to total assets | 54.6000% | 3,299 |
| Net loans and leases to deposits | 59.6237% | 3,497 |
| Net loans and leases to core deposits | 70.2330% | 3,280 |
| Total domestic deposits to total assets | 91.5700% | 376 |
| Equity capital to assets | 3.8669% | 4,426 |
| Core capital (leverage) ratio | 6.4902% | 4,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5840% | 2,011 |
| Memoranda: | ||
| Average total assets | $119,896,500 | 3,612 |
| Average earning assets | $114,117,500 | 3,582 |
| Average equity | $4,445,000 | 4,279 |
| Average total loans | $65,529,500 | 3,639 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5044% | 3,863 |
| Cost of funding earning assets | 2.4872% | 1,173 |
| Net interest margin | 2.0171% | 4,247 |
| Noninterest income to average assets | 0.2900% | 3,113 |
| Noninterest expense to average assets | 3.3050% | 758 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | -0.9693% | 4,397 |
| Return on assets (ROA) | -1.2654% | 4,446 |
| Pretax return on assets | -1.5253% | 4,452 |
| Return on Equity (ROE) | -22.5700% | 4,452 |
| Retained earnings to average equity (ytd only) | -22.5723% | 4,466 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 153.3210% | 78 |
| Assets per employee ($millions) | 7.6476% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4048% | 4,325 |
| Loan loss allowance to noncurrent loans | 26.6533% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 0.8156% | 883 |
| Noncurrent loans to loans | 1.5189% | 628 |
| Net loans and leases to total assets | 53.4800% | 3,434 |
| Net loans and leases to deposits | 60.1117% | 3,530 |
| Net loans and leases to core deposits | 72.0419% | 3,255 |
| Total domestic deposits to total assets | 88.9700% | 1,175 |
| Equity capital to assets | 5.0237% | 4,346 |
| Core capital (leverage) ratio | 7.7719% | 4,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8701% | 1,918 |
| Memoranda: | ||
| Average total assets | $125,022,800 | 3,581 |
| Average earning assets | $115,510,000 | 3,569 |
| Average equity | $7,008,600 | 4,047 |
| Average total loans | $63,446,800 | 3,648 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6138% | 3,679 |
| Cost of funding earning assets | 2.5406% | 1,093 |
| Net interest margin | 2.0732% | 4,244 |
| Noninterest income to average assets | 0.2800% | 3,175 |
| Noninterest expense to average assets | 2.8005% | 1,458 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | -0.4484% | 4,375 |
| Return on assets (ROA) | -0.8221% | 4,453 |
| Pretax return on assets | -1.1085% | 4,464 |
| Return on Equity (ROE) | -14.3000% | 4,468 |
| Retained earnings to average equity (ytd only) | -14.3038% | 4,463 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 127.9070% | 109 |
| Assets per employee ($millions) | 7.3802% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4139% | 4,360 |
| Loan loss allowance to noncurrent loans | 25.6039% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 0.8249% | 822 |
| Noncurrent loans to loans | 1.6166% | 561 |
| Net loans and leases to total assets | 50.8200% | 3,601 |
| Net loans and leases to deposits | 57.7902% | 3,679 |
| Net loans and leases to core deposits | 63.7474% | 3,654 |
| Total domestic deposits to total assets | 87.9300% | 1,262 |
| Equity capital to assets | 6.1492% | 4,309 |
| Core capital (leverage) ratio | 7.9692% | 4,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4106% | 1,430 |
| Memoranda: | ||
| Average total assets | $125,688,250 | 3,581 |
| Average earning assets | $115,823,000 | 3,574 |
| Average equity | $7,224,000 | 4,049 |
| Average total loans | $62,882,000 | 3,670 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5728% | 3,665 |
| Cost of funding earning assets | 2.5050% | 1,079 |
| Net interest margin | 2.0677% | 4,259 |
| Noninterest income to average assets | 0.2800% | 3,143 |
| Noninterest expense to average assets | 2.8892% | 1,280 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | -0.5035% | 4,406 |
| Return on assets (ROA) | -1.0638% | 4,486 |
| Pretax return on assets | -1.4374% | 4,499 |
| Return on Equity (ROE) | -18.9600% | 4,493 |
| Retained earnings to average equity (ytd only) | -18.9599% | 4,497 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 132.2416% | 103 |
| Assets per employee ($millions) | 6.6113% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4341% | 4,364 |
| Loan loss allowance to noncurrent loans | 17.3041% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.2698% | 426 |
| Noncurrent loans to loans | 2.5087% | 258 |
| Net loans and leases to total assets | 50.4000% | 3,615 |
| Net loans and leases to deposits | 58.7917% | 3,635 |
| Net loans and leases to core deposits | 64.8188% | 3,590 |
| Total domestic deposits to total assets | 85.7200% | 2,070 |
| Equity capital to assets | 5.6108% | 4,294 |
| Core capital (leverage) ratio | 8.4389% | 4,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $125,780,333 | 3,593 |
| Average earning assets | $116,166,333 | 3,580 |
| Average equity | $7,057,000 | 4,066 |
| Average total loans | $62,542,000 | 3,682 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4264% | 3,793 |
| Cost of funding earning assets | 2.5353% | 932 |
| Net interest margin | 1.8911% | 4,360 |
| Noninterest income to average assets | 0.2600% | 3,210 |
| Noninterest expense to average assets | 2.9079% | 1,213 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | -0.6245% | 4,480 |
| Return on assets (ROA) | -1.7543% | 4,543 |
| Pretax return on assets | -2.3549% | 4,552 |
| Return on Equity (ROE) | -31.2700% | 4,543 |
| Retained earnings to average equity (ytd only) | -31.2681% | 4,487 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 144.7785% | 66 |
| Assets per employee ($millions) | 5.2019% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4374% | 4,355 |
| Loan loss allowance to noncurrent loans | 26.9539% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 0.7994% | 760 |
| Noncurrent loans to loans | 1.6227% | 472 |
| Net loans and leases to total assets | 49.0500% | 3,658 |
| Net loans and leases to deposits | 57.2678% | 3,663 |
| Net loans and leases to core deposits | 60.9071% | 3,740 |
| Total domestic deposits to total assets | 85.6500% | 2,207 |
| Equity capital to assets | 5.6005% | 4,284 |
| Core capital (leverage) ratio | 8.6113% | 4,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $125,863,000 | 3,598 |
| Average earning assets | $116,121,000 | 3,591 |
| Average equity | $7,061,500 | 4,083 |
| Average total loans | $62,023,000 | 3,697 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4672% | 3,147 |
| Cost of funding earning assets | 1.9238% | 1,031 |
| Net interest margin | 2.5434% | 4,049 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.4862% | 2,338 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.0618% | 4,278 |
| Return on assets (ROA) | 0.0618% | 4,307 |
| Pretax return on assets | 0.0658% | 4,301 |
| Return on Equity (ROE) | 1.1800% | 4,240 |
| Retained earnings to average equity (ytd only) | 1.1798% | 3,791 |
| Net charge-offs to loans | 0.0048% | 2,543 |
| Credit loss provision to net charge-offs | 1,566.6667% | 280 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,400 |
| Efficiency ratio | 96.0050% | 262 |
| Assets per employee ($millions) | 5.5166% | 3,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4173% | 4,379 |
| Loan loss allowance to noncurrent loans | 36.0000% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 0.5714% | 975 |
| Noncurrent loans to loans | 1.1592% | 624 |
| Net loans and leases to total assets | 49.0900% | 3,651 |
| Net loans and leases to deposits | 60.5607% | 3,491 |
| Net loans and leases to core deposits | 65.7347% | 3,508 |
| Total domestic deposits to total assets | 81.0600% | 3,297 |
| Equity capital to assets | 5.6202% | 4,315 |
| Core capital (leverage) ratio | 9.0648% | 3,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $124,689,200 | 3,602 |
| Average earning assets | $115,241,000 | 3,591 |
| Average equity | $6,526,800 | 4,111 |
| Average total loans | $62,409,200 | 3,673 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1519% | 3,554 |
| Cost of funding earning assets | 1.7784% | 1,046 |
| Net interest margin | 2.3735% | 4,260 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.3929% | 2,533 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.0021% | 4,372 |
| Return on assets (ROA) | 0.0021% | 4,394 |
| Pretax return on assets | -0.0140% | 4,413 |
| Return on Equity (ROE) | 0.0400% | 4,377 |
| Retained earnings to average equity (ytd only) | 0.0418% | 4,103 |
| Net charge-offs to loans | 0.0064% | 2,207 |
| Credit loss provision to net charge-offs | 1,566.6667% | 299 |
| Earnings coverage of net charge-offs (x) | 11.3333% | 2,100 |
| Efficiency ratio | 98.4969% | 194 |
| Assets per employee ($millions) | 5.2481% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4051% | 4,407 |
| Loan loss allowance to noncurrent loans | 98.8636% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2096% | 2,214 |
| Noncurrent loans to loans | 0.4098% | 1,806 |
| Net loans and leases to total assets | 50.9400% | 3,558 |
| Net loans and leases to deposits | 63.9604% | 3,272 |
| Net loans and leases to core deposits | 69.3915% | 3,239 |
| Total domestic deposits to total assets | 79.6500% | 3,578 |
| Equity capital to assets | 4.5628% | 4,326 |
| Core capital (leverage) ratio | 9.0346% | 3,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $124,141,250 | 3,623 |
| Average earning assets | $114,708,750 | 3,607 |
| Average equity | $6,375,750 | 4,131 |
| Average total loans | $62,375,500 | 3,681 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9812% | 3,729 |
| Cost of funding earning assets | 1.5809% | 1,107 |
| Net interest margin | 2.4003% | 4,297 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.3844% | 2,543 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.0259% | 4,404 |
| Return on assets (ROA) | 0.0259% | 4,436 |
| Pretax return on assets | 0.0210% | 4,434 |
| Return on Equity (ROE) | 0.4900% | 4,405 |
| Retained earnings to average equity (ytd only) | 0.4852% | 3,988 |
| Net charge-offs to loans | 0.0097% | 1,840 |
| Credit loss provision to net charge-offs | 866.6667% | 451 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,917 |
| Efficiency ratio | 97.4206% | 205 |
| Assets per employee ($millions) | 6.7320% | 2,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3495% | 4,461 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 51.7200% | 3,429 |
| Net loans and leases to deposits | 68.9080% | 2,867 |
| Net loans and leases to core deposits | 74.7140% | 2,843 |
| Total domestic deposits to total assets | 75.0500% | 4,112 |
| Equity capital to assets | 5.1474% | 4,354 |
| Core capital (leverage) ratio | 9.4985% | 3,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $123,554,667 | 3,640 |
| Average earning assets | $114,237,667 | 3,632 |
| Average equity | $6,595,000 | 4,120 |
| Average total loans | $61,689,667 | 3,694 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9048% | 3,661 |
| Cost of funding earning assets | 1.2909% | 1,249 |
| Net interest margin | 2.6139% | 4,194 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.4024% | 2,523 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1977% | 4,355 |
| Return on assets (ROA) | 0.1977% | 4,320 |
| Pretax return on assets | 0.2472% | 4,296 |
| Return on Equity (ROE) | 3.6400% | 4,094 |
| Retained earnings to average equity (ytd only) | 3.6361% | 3,361 |
| Net charge-offs to loans | 0.0202% | 1,277 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,375 |
| Efficiency ratio | 90.6716% | 335 |
| Assets per employee ($millions) | 5.7907% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3306% | 4,524 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 48.8400% | 3,578 |
| Net loans and leases to deposits | 64.6849% | 3,034 |
| Net loans and leases to core deposits | 68.2434% | 3,076 |
| Total domestic deposits to total assets | 75.5100% | 4,189 |
| Equity capital to assets | 5.7037% | 4,288 |
| Core capital (leverage) ratio | 9.7222% | 2,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $121,378,000 | 3,712 |
| Average earning assets | $112,169,500 | 3,694 |
| Average equity | $6,600,500 | 4,173 |
| Average total loans | $59,343,000 | 3,767 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9892% | 4,145 |
| Cost of funding earning assets | 0.5326% | 1,204 |
| Net interest margin | 2.4566% | 4,318 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.4816% | 2,178 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.0147% | 4,554 |
| Return on assets (ROA) | 0.0216% | 4,538 |
| Pretax return on assets | 0.0112% | 4,536 |
| Return on Equity (ROE) | 0.3100% | 4,531 |
| Retained earnings to average equity (ytd only) | 0.3073% | 4,300 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 98.6951% | 161 |
| Assets per employee ($millions) | 5.5069% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3384% | 4,529 |
| Loan loss allowance to noncurrent loans | 70.9220% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.2328% | 1,978 |
| Noncurrent loans to loans | 0.4772% | 1,507 |
| Net loans and leases to total assets | 48.6100% | 3,622 |
| Net loans and leases to deposits | 61.9754% | 3,199 |
| Net loans and leases to core deposits | 64.8898% | 3,208 |
| Total domestic deposits to total assets | 78.4400% | 4,051 |
| Equity capital to assets | 5.2554% | 4,302 |
| Core capital (leverage) ratio | 9.9727% | 2,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $115,811,000 | 3,765 |
| Average earning assets | $107,955,600 | 3,748 |
| Average equity | $8,134,600 | 4,088 |
| Average total loans | $51,426,200 | 3,871 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7808% | 4,209 |
| Cost of funding earning assets | 0.4462% | 1,001 |
| Net interest margin | 2.3346% | 4,383 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.4552% | 2,145 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | -0.0411% | 4,612 |
| Return on assets (ROA) | -0.0338% | 4,586 |
| Pretax return on assets | -0.0641% | 4,586 |
| Return on Equity (ROE) | -0.4500% | 4,572 |
| Retained earnings to average equity (ytd only) | -0.4508% | 4,383 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 102.1813% | 140 |
| Assets per employee ($millions) | 6.0722% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3352% | 4,568 |
| Loan loss allowance to noncurrent loans | 268.1159% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 3,292 |
| Noncurrent loans to loans | 0.1250% | 3,018 |
| Net loans and leases to total assets | 47.6800% | 3,652 |
| Net loans and leases to deposits | 54.4025% | 3,581 |
| Net loans and leases to core deposits | 56.3283% | 3,610 |
| Total domestic deposits to total assets | 87.6400% | 2,540 |
| Equity capital to assets | 5.2500% | 4,207 |
| Core capital (leverage) ratio | 9.9868% | 2,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $114,476,000 | 3,808 |
| Average earning assets | $106,969,500 | 3,780 |
| Average equity | $8,576,500 | 4,084 |
| Average total loans | $49,509,250 | 3,918 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5654% | 4,311 |
| Cost of funding earning assets | 0.4313% | 755 |
| Net interest margin | 2.1341% | 4,493 |
| Noninterest income to average assets | 0.2172% | 3,897 |
| Noninterest expense to average assets | 2.4366% | 2,123 |
| Loan and lease loss provision to assets | 0.0140% | 2,345 |
| Net operating income to assets | -0.1597% | 4,633 |
| Return on assets (ROA) | -0.1541% | 4,602 |
| Pretax return on assets | -0.2242% | 4,604 |
| Return on Equity (ROE) | -1.8691% | 4,611 |
| Retained earnings to average equity (ytd only) | -1.8691% | 4,373 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7869% | 113 |
| Assets per employee ($millions) | 5.5010% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3467% | 4,641 |
| Loan loss allowance to noncurrent loans | 312.5000% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.0485% | 3,504 |
| Noncurrent loans to loans | 0.1109% | 3,190 |
| Net loans and leases to total assets | 43.5424% | 3,868 |
| Net loans and leases to deposits | 50.3307% | 3,796 |
| Net loans and leases to core deposits | 52.1319% | 3,814 |
| Total domestic deposits to total assets | 86.5125% | 3,106 |
| Equity capital to assets | 6.4083% | 4,055 |
| Core capital (leverage) ratio | 10.0781% | 2,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,177,667 | 3,848 |
| Average earning assets | $107,118,667 | 3,837 |
| Average equity | $9,416,333 | 4,055 |
| Average total loans | $47,614,667 | 3,999 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3941% | 4,383 |
| Cost of funding earning assets | 0.4220% | 769 |
| Net interest margin | 1.9720% | 4,534 |
| Noninterest income to average assets | 0.1797% | 4,087 |
| Noninterest expense to average assets | 2.3752% | 2,249 |
| Loan and lease loss provision to assets | 0.0282% | 1,859 |
| Net operating income to assets | -0.2578% | 4,655 |
| Return on assets (ROA) | -0.2467% | 4,638 |
| Pretax return on assets | -0.3489% | 4,648 |
| Return on Equity (ROE) | -2.6864% | 4,653 |
| Retained earnings to average equity (ytd only) | -2.6864% | 4,289 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.4076% | 96 |
| Assets per employee ($millions) | 5.0153% | 3,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3769% | 4,655 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 40.0978% | 4,007 |
| Net loans and leases to deposits | 45.8337% | 3,983 |
| Net loans and leases to core deposits | 47.4556% | 4,009 |
| Total domestic deposits to total assets | 87.4854% | 2,752 |
| Equity capital to assets | 7.9504% | 3,611 |
| Core capital (leverage) ratio | 9.4532% | 2,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,505,500 | 3,880 |
| Average earning assets | $107,098,000 | 3,844 |
| Average equity | $10,423,000 | 4,009 |
| Average total loans | $46,184,000 | 4,037 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9107% | 4,032 |
| Cost of funding earning assets | 0.4764% | 1,026 |
| Net interest margin | 2.4343% | 4,275 |
| Noninterest income to average assets | 0.2068% | 4,130 |
| Noninterest expense to average assets | 2.5996% | 1,872 |
| Loan and lease loss provision to assets | 0.0304% | 2,449 |
| Net operating income to assets | -0.1054% | 4,707 |
| Return on assets (ROA) | 0.0700% | 4,655 |
| Pretax return on assets | 0.0679% | 4,661 |
| Return on Equity (ROE) | 0.5772% | 4,648 |
| Retained earnings to average equity (ytd only) | 0.5772% | 4,354 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0547% | 126 |
| Assets per employee ($millions) | 4.8547% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3635% | 4,700 |
| Loan loss allowance to noncurrent loans | 273.7705% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 3,599 |
| Noncurrent loans to loans | 0.1328% | 3,271 |
| Net loans and leases to total assets | 40.9930% | 4,032 |
| Net loans and leases to deposits | 48.5073% | 3,968 |
| Net loans and leases to core deposits | 50.5210% | 3,989 |
| Total domestic deposits to total assets | 84.5089% | 3,418 |
| Equity capital to assets | 10.4560% | 2,214 |
| Core capital (leverage) ratio | 10.5018% | 1,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8817% | 910 |
| Memoranda: | ||
| Average total assets | $98,632,400 | 4,006 |
| Average earning assets | $93,826,400 | 3,977 |
| Average equity | $11,953,800 | 3,934 |
| Average total loans | $42,632,000 | 4,137 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0220% | 3,965 |
| Cost of funding earning assets | 0.4929% | 1,081 |
| Net interest margin | 2.5291% | 4,221 |
| Noninterest income to average assets | 0.2083% | 4,157 |
| Noninterest expense to average assets | 2.7008% | 1,584 |
| Loan and lease loss provision to assets | 0.0367% | 2,257 |
| Net operating income to assets | -0.1244% | 4,777 |
| Return on assets (ROA) | 0.0783% | 4,723 |
| Pretax return on assets | 0.0769% | 4,725 |
| Return on Equity (ROE) | 0.6210% | 4,720 |
| Retained earnings to average equity (ytd only) | 0.6210% | 4,479 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4261% | 132 |
| Assets per employee ($millions) | 4.4270% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3891% | 4,774 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 39.2738% | 4,242 |
| Net loans and leases to deposits | 46.9001% | 4,186 |
| Net loans and leases to core deposits | 48.2645% | 4,224 |
| Total domestic deposits to total assets | 83.7391% | 3,526 |
| Equity capital to assets | 11.2340% | 1,868 |
| Core capital (leverage) ratio | 11.5439% | 1,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3531% | 659 |
| Memoranda: | ||
| Average total assets | $95,376,000 | 4,090 |
| Average earning assets | $90,622,250 | 4,056 |
| Average equity | $12,023,500 | 3,981 |
| Average total loans | $41,805,250 | 4,203 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9466% | 4,145 |
| Cost of funding earning assets | 0.5309% | 1,029 |
| Net interest margin | 2.4156% | 4,408 |
| Noninterest income to average assets | 0.2158% | 4,114 |
| Noninterest expense to average assets | 2.8119% | 1,326 |
| Loan and lease loss provision to assets | 0.0305% | 2,370 |
| Net operating income to assets | -0.2475% | 4,836 |
| Return on assets (ROA) | 0.0022% | 4,780 |
| Pretax return on assets | -0.0196% | 4,787 |
| Return on Equity (ROE) | 0.0166% | 4,781 |
| Retained earnings to average equity (ytd only) | 0.0166% | 4,508 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.1739% | 98 |
| Assets per employee ($millions) | 4.3297% | 4,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3575% | 4,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 44.1871% | 4,031 |
| Net loans and leases to deposits | 54.0162% | 3,858 |
| Net loans and leases to core deposits | 55.8156% | 3,903 |
| Total domestic deposits to total assets | 81.8034% | 3,957 |
| Equity capital to assets | 12.6052% | 1,087 |
| Core capital (leverage) ratio | 11.9607% | 1,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9700% | 484 |
| Memoranda: | ||
| Average total assets | $91,751,667 | 4,154 |
| Average earning assets | $87,016,667 | 4,127 |
| Average equity | $12,052,667 | 3,980 |
| Average total loans | $41,776,667 | 4,238 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7910% | 4,385 |
| Cost of funding earning assets | 0.5535% | 1,078 |
| Net interest margin | 2.2375% | 4,585 |
| Noninterest income to average assets | 0.2044% | 4,159 |
| Noninterest expense to average assets | 2.8311% | 1,306 |
| Loan and lease loss provision to assets | 0.0356% | 2,303 |
| Net operating income to assets | -0.3824% | 4,871 |
| Return on assets (ROA) | -0.4000% | 4,879 |
| Pretax return on assets | -0.5644% | 4,892 |
| Return on Equity (ROE) | -2.9812% | 4,877 |
| Retained earnings to average equity (ytd only) | -2.9812% | 4,599 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.7973% | 66 |
| Assets per employee ($millions) | 4.2440% | 4,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3404% | 4,857 |
| Loan loss allowance to noncurrent loans | 7,250.0000% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,394 |
| Noncurrent loans to loans | 0.0047% | 4,308 |
| Net loans and leases to total assets | 45.4620% | 4,004 |
| Net loans and leases to deposits | 55.6806% | 3,818 |
| Net loans and leases to core deposits | 57.2564% | 3,892 |
| Total domestic deposits to total assets | 81.6479% | 3,965 |
| Equity capital to assets | 12.6050% | 1,040 |
| Core capital (leverage) ratio | 13.0404% | 832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9869% | 452 |
| Memoranda: | ||
| Average total assets | $90,000,500 | 4,189 |
| Average earning assets | $85,275,500 | 4,152 |
| Average equity | $12,075,500 | 3,991 |
| Average total loans | $41,544,500 | 4,270 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7393% | 4,780 |
| Cost of funding earning assets | 1.1523% | 332 |
| Net interest margin | 1.5870% | 4,911 |
| Noninterest income to average assets | 0.1464% | 4,564 |
| Noninterest expense to average assets | 4.2845% | 292 |
| Loan and lease loss provision to assets | 0.0357% | 3,964 |
| Net operating income to assets | -1.9958% | 4,959 |
| Return on assets (ROA) | -1.4999% | 4,947 |
| Pretax return on assets | -2.0398% | 4,962 |
| Return on Equity (ROE) | -9.2185% | 4,939 |
| Retained earnings to average equity (ytd only) | -9.2185% | 4,904 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 259.2450% | 11 |
| Assets per employee ($millions) | 4.1254% | 4,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3383% | 4,886 |
| Loan loss allowance to noncurrent loans | 6,850.0000% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 4,464 |
| Noncurrent loans to loans | 0.0049% | 4,378 |
| Net loans and leases to total assets | 46.5873% | 4,086 |
| Net loans and leases to deposits | 58.4140% | 3,866 |
| Net loans and leases to core deposits | 59.4929% | 3,975 |
| Total domestic deposits to total assets | 79.7537% | 4,084 |
| Equity capital to assets | 14.2925% | 734 |
| Core capital (leverage) ratio | 13.6605% | 748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.1508% | 215 |
| Memoranda: | ||
| Average total assets | $78,538,600 | 4,258 |
| Average earning assets | $74,543,400 | 4,224 |
| Average equity | $12,778,600 | 3,884 |
| Average total loans | $34,889,600 | 4,410 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7603% | 4,848 |
| Cost of funding earning assets | 0.8125% | 1,434 |
| Net interest margin | 1.9478% | 4,901 |
| Noninterest income to average assets | 0.1411% | 4,601 |
| Noninterest expense to average assets | 4.6351% | 231 |
| Loan and lease loss provision to assets | 0.0484% | 3,755 |
| Net operating income to assets | -2.0222% | 4,988 |
| Return on assets (ROA) | -1.3435% | 4,969 |
| Pretax return on assets | -1.8331% | 4,982 |
| Return on Equity (ROE) | -7.9826% | 4,945 |
| Retained earnings to average equity (ytd only) | -7.9826% | 4,898 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 232.7209% | 16 |
| Assets per employee ($millions) | 3.8721% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3408% | 4,916 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 49.2677% | 4,130 |
| Net loans and leases to deposits | 61.3263% | 3,968 |
| Net loans and leases to core deposits | 62.9361% | 4,057 |
| Total domestic deposits to total assets | 80.3370% | 3,797 |
| Equity capital to assets | 15.7560% | 501 |
| Core capital (leverage) ratio | 14.6335% | 598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,515,000 | 4,295 |
| Average earning assets | $72,695,250 | 4,259 |
| Average equity | $12,877,750 | 3,882 |
| Average total loans | $33,487,750 | 4,474 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8612% | 4,891 |
| Cost of funding earning assets | 0.9004% | 1,375 |
| Net interest margin | 1.9608% | 4,955 |
| Noninterest income to average assets | 0.1388% | 4,610 |
| Noninterest expense to average assets | 5.5316% | 155 |
| Loan and lease loss provision to assets | 0.0748% | 3,361 |
| Net operating income to assets | -2.7179% | 5,030 |
| Return on assets (ROA) | -1.7139% | 5,008 |
| Pretax return on assets | -2.3306% | 5,015 |
| Return on Equity (ROE) | -9.9537% | 4,987 |
| Retained earnings to average equity (ytd only) | -9.9537% | 4,918 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 275.8988% | 9 |
| Assets per employee ($millions) | 4.6579% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3518% | 4,934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 49.0061% | 4,207 |
| Net loans and leases to deposits | 61.3304% | 4,048 |
| Net loans and leases to core deposits | 62.9921% | 4,128 |
| Total domestic deposits to total assets | 79.9050% | 3,859 |
| Equity capital to assets | 16.1308% | 455 |
| Core capital (leverage) ratio | 15.0725% | 566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,915,000 | 4,321 |
| Average earning assets | $71,298,333 | 4,285 |
| Average equity | $12,899,667 | 3,880 |
| Average total loans | $31,250,667 | 4,539 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0908% | 4,917 |
| Cost of funding earning assets | 1.0899% | 1,077 |
| Net interest margin | 2.0010% | 5,014 |
| Noninterest income to average assets | 0.1264% | 4,733 |
| Noninterest expense to average assets | 3.0118% | 1,863 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.7260% | 4,960 |
| Return on assets (ROA) | -0.4177% | 4,884 |
| Pretax return on assets | -0.5881% | 4,900 |
| Return on Equity (ROE) | -2.3451% | 4,848 |
| Retained earnings to average equity (ytd only) | -2.3451% | 4,287 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.1081% | 59 |
| Assets per employee ($millions) | 5.4927% | 2,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3809% | 4,959 |
| Loan loss allowance to noncurrent loans | 109.0000% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.1400% | 3,950 |
| Noncurrent loans to loans | 0.3494% | 3,236 |
| Net loans and leases to total assets | 39.9286% | 4,669 |
| Net loans and leases to deposits | 48.9636% | 4,630 |
| Net loans and leases to core deposits | 50.4075% | 4,669 |
| Total domestic deposits to total assets | 81.5475% | 3,537 |
| Equity capital to assets | 18.1570% | 340 |
| Core capital (leverage) ratio | 17.4264% | 370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,780,500 | 4,363 |
| Average earning assets | $69,366,500 | 4,322 |
| Average equity | $12,963,000 | 3,884 |
| Average total loans | $27,405,000 | 4,647 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1872% | 5,000 |
| Cost of funding earning assets | 0.9262% | 2,078 |
| Net interest margin | 2.2610% | 5,046 |
| Noninterest income to average assets | 0.1799% | 4,592 |
| Noninterest expense to average assets | 2.5830% | 3,227 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.2299% | 5,024 |
| Return on assets (ROA) | 0.2231% | 4,848 |
| Pretax return on assets | 0.2123% | 4,877 |
| Return on Equity (ROE) | 1.2854% | 4,884 |
| Retained earnings to average equity (ytd only) | 1.2854% | 4,279 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2771% | 102 |
| Assets per employee ($millions) | 5.7043% | 1,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4162% | 4,978 |
| Loan loss allowance to noncurrent loans | 111.2245% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 3,969 |
| Noncurrent loans to loans | 0.3742% | 3,102 |
| Net loans and leases to total assets | 35.1705% | 4,868 |
| Net loans and leases to deposits | 42.6844% | 4,856 |
| Net loans and leases to core deposits | 47.8235% | 4,795 |
| Total domestic deposits to total assets | 82.3966% | 3,399 |
| Equity capital to assets | 17.4780% | 416 |
| Core capital (leverage) ratio | 17.0249% | 411 |
| Tier 1 risk-based capital ratio | 53.3867% | 120 |
| Total risk-based capital ratio | 53.8439% | 121 |
| Memoranda: | ||
| Average total assets | $73,946,200 | 4,366 |
| Average earning assets | $70,721,200 | 4,334 |
| Average equity | $12,836,600 | 3,900 |
| Average total loans | $26,759,000 | 4,717 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2228% | 5,084 |
| Cost of funding earning assets | 0.8944% | 2,259 |
| Net interest margin | 2.3284% | 5,121 |
| Noninterest income to average assets | 0.1462% | 4,816 |
| Noninterest expense to average assets | 2.4990% | 3,439 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.1195% | 5,089 |
| Return on assets (ROA) | 0.3518% | 4,810 |
| Pretax return on assets | 0.3699% | 4,840 |
| Return on Equity (ROE) | 2.0303% | 4,892 |
| Retained earnings to average equity (ytd only) | 2.0303% | 4,261 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.3232% | 119 |
| Assets per employee ($millions) | 5.2875% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4107% | 5,054 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1148% | 4,141 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 35.7055% | 4,949 |
| Net loans and leases to deposits | 43.5307% | 4,920 |
| Net loans and leases to core deposits | 48.8080% | 4,864 |
| Total domestic deposits to total assets | 82.0236% | 3,475 |
| Equity capital to assets | 17.8480% | 406 |
| Core capital (leverage) ratio | 17.1868% | 413 |
| Tier 1 risk-based capital ratio | 53.7561% | 115 |
| Total risk-based capital ratio | 54.2153% | 117 |
| Memoranda: | ||
| Average total assets | $73,893,750 | 4,428 |
| Average earning assets | $70,661,250 | 4,390 |
| Average equity | $12,805,500 | 3,942 |
| Average total loans | $26,901,250 | 4,778 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1846% | 5,155 |
| Cost of funding earning assets | 0.8775% | 2,261 |
| Net interest margin | 2.3071% | 5,187 |
| Noninterest income to average assets | 0.1381% | 4,881 |
| Noninterest expense to average assets | 2.5186% | 3,420 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.1219% | 5,136 |
| Return on assets (ROA) | 0.1896% | 5,016 |
| Pretax return on assets | 0.1381% | 5,054 |
| Return on Equity (ROE) | 1.1050% | 5,038 |
| Retained earnings to average equity (ytd only) | 1.1050% | 4,410 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.3903% | 113 |
| Assets per employee ($millions) | 5.2783% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4155% | 5,094 |
| Loan loss allowance to noncurrent loans | 34.8243% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 0.5386% | 2,396 |
| Noncurrent loans to loans | 1.1932% | 1,344 |
| Net loans and leases to total assets | 35.3524% | 4,998 |
| Net loans and leases to deposits | 42.9269% | 4,976 |
| Net loans and leases to core deposits | 48.1158% | 4,909 |
| Total domestic deposits to total assets | 82.3549% | 3,423 |
| Equity capital to assets | 17.5382% | 421 |
| Core capital (leverage) ratio | 16.9016% | 441 |
| Tier 1 risk-based capital ratio | 52.6641% | 121 |
| Total risk-based capital ratio | 53.1254% | 123 |
| Memoranda: | ||
| Average total assets | $73,850,000 | 4,463 |
| Average earning assets | $70,652,000 | 4,431 |
| Average equity | $12,670,000 | 3,966 |
| Average total loans | $27,021,670 | 4,808 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1487% | 5,221 |
| Cost of funding earning assets | 0.8510% | 2,266 |
| Net interest margin | 2.2977% | 5,256 |
| Noninterest income to average assets | 0.1300% | 4,949 |
| Noninterest expense to average assets | 2.4056% | 3,761 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.0310% | 5,128 |
| Return on assets (ROA) | 0.0867% | 5,100 |
| Pretax return on assets | -0.0108% | 5,147 |
| Return on Equity (ROE) | 0.5110% | 5,117 |
| Retained earnings to average equity (ytd only) | 0.5110% | 4,430 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4965% | 142 |
| Assets per employee ($millions) | 5.6754% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4033% | 5,171 |
| Loan loss allowance to noncurrent loans | 62.2857% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 0.3524% | 3,189 |
| Noncurrent loans to loans | 0.6475% | 2,394 |
| Net loans and leases to total assets | 36.4828% | 5,001 |
| Net loans and leases to deposits | 44.1791% | 4,980 |
| Net loans and leases to core deposits | 49.5116% | 4,906 |
| Total domestic deposits to total assets | 82.5793% | 3,550 |
| Equity capital to assets | 17.2879% | 419 |
| Core capital (leverage) ratio | 17.1964% | 405 |
| Tier 1 risk-based capital ratio | 49.4423% | 136 |
| Total risk-based capital ratio | 49.8704% | 143 |
| Memoranda: | ||
| Average total assets | $73,827,000 | 4,513 |
| Average earning assets | $70,505,000 | 4,479 |
| Average equity | $12,525,000 | 4,001 |
| Average total loans | $27,416,000 | 4,855 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0294% | 5,219 |
| Cost of funding earning assets | 0.7382% | 1,858 |
| Net interest margin | 2.2912% | 5,286 |
| Noninterest income to average assets | 0.1282% | 5,049 |
| Noninterest expense to average assets | 2.2390% | 4,247 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.1530% | 5,144 |
| Return on assets (ROA) | 0.1674% | 5,127 |
| Pretax return on assets | 0.0955% | 5,180 |
| Return on Equity (ROE) | 1.0514% | 5,159 |
| Retained earnings to average equity (ytd only) | 1.0514% | 4,694 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5051% | 203 |
| Assets per employee ($millions) | 6.1562% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3920% | 5,221 |
| Loan loss allowance to noncurrent loans | 419.2308% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.1503% | 4,081 |
| Noncurrent loans to loans | 0.0935% | 4,330 |
| Net loans and leases to total assets | 37.4922% | 5,030 |
| Net loans and leases to deposits | 45.0321% | 5,005 |
| Net loans and leases to core deposits | 50.6510% | 4,928 |
| Total domestic deposits to total assets | 83.2566% | 3,241 |
| Equity capital to assets | 16.6432% | 451 |
| Core capital (leverage) ratio | 16.9455% | 413 |
| Tier 1 risk-based capital ratio | 47.8569% | 147 |
| Total risk-based capital ratio | 48.2771% | 151 |
| Memoranda: | ||
| Average total assets | $76,462,000 | 4,494 |
| Average earning assets | $73,149,000 | 4,437 |
| Average equity | $12,174,200 | 3,999 |
| Average total loans | $28,569,400 | 4,856 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9920% | 5,292 |
| Cost of funding earning assets | 0.7173% | 1,760 |
| Net interest margin | 2.2747% | 5,360 |
| Noninterest income to average assets | 0.1314% | 5,103 |
| Noninterest expense to average assets | 2.2029% | 4,319 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.1729% | 5,209 |
| Return on assets (ROA) | 0.1816% | 5,196 |
| Pretax return on assets | 0.1141% | 5,246 |
| Return on Equity (ROE) | 1.1528% | 5,215 |
| Retained earnings to average equity (ytd only) | 1.1528% | 4,814 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4307% | 212 |
| Assets per employee ($millions) | 5.6510% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3886% | 5,295 |
| Loan loss allowance to noncurrent loans | 1,090.0000% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.1293% | 4,315 |
| Noncurrent loans to loans | 0.0357% | 4,735 |
| Net loans and leases to total assets | 38.0314% | 5,082 |
| Net loans and leases to deposits | 45.4825% | 5,067 |
| Net loans and leases to core deposits | 50.8157% | 4,998 |
| Total domestic deposits to total assets | 83.6176% | 3,076 |
| Equity capital to assets | 16.2082% | 502 |
| Core capital (leverage) ratio | 16.8434% | 434 |
| Tier 1 risk-based capital ratio | 47.0031% | 159 |
| Total risk-based capital ratio | 47.4209% | 163 |
| Memoranda: | ||
| Average total assets | $77,109,000 | 4,529 |
| Average earning assets | $73,794,250 | 4,469 |
| Average equity | $12,144,000 | 4,039 |
| Average total loans | $28,760,250 | 4,902 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0141% | 5,327 |
| Cost of funding earning assets | 0.6956% | 1,645 |
| Net interest margin | 2.3186% | 5,410 |
| Noninterest income to average assets | 0.1251% | 5,177 |
| Noninterest expense to average assets | 2.1628% | 4,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2273% | 5,203 |
| Return on assets (ROA) | 0.2400% | 5,182 |
| Pretax return on assets | 0.1966% | 5,242 |
| Return on Equity (ROE) | 1.5381% | 5,220 |
| Retained earnings to average equity (ytd only) | 1.5381% | 4,627 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1654% | 305 |
| Assets per employee ($millions) | 5.8952% | 1,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3865% | 5,366 |
| Loan loss allowance to noncurrent loans | 122.4719% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2270% | 3,869 |
| Noncurrent loans to loans | 0.3155% | 3,575 |
| Net loans and leases to total assets | 36.6611% | 5,159 |
| Net loans and leases to deposits | 43.5752% | 5,154 |
| Net loans and leases to core deposits | 48.5133% | 5,079 |
| Total domestic deposits to total assets | 84.1330% | 3,014 |
| Equity capital to assets | 15.7783% | 540 |
| Core capital (leverage) ratio | 16.0137% | 490 |
| Tier 1 risk-based capital ratio | 46.4126% | 162 |
| Total risk-based capital ratio | 46.8231% | 167 |
| Memoranda: | ||
| Average total assets | $78,324,330 | 4,549 |
| Average earning assets | $75,046,330 | 4,487 |
| Average equity | $12,223,000 | 4,054 |
| Average total loans | $28,997,670 | 4,948 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8575% | 5,431 |
| Cost of funding earning assets | 0.6907% | 1,493 |
| Net interest margin | 2.1669% | 5,512 |
| Noninterest income to average assets | 0.1162% | 5,270 |
| Noninterest expense to average assets | 2.0766% | 4,709 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1718% | 5,272 |
| Return on assets (ROA) | 0.1970% | 5,243 |
| Pretax return on assets | 0.1415% | 5,310 |
| Return on Equity (ROE) | 1.2695% | 5,282 |
| Retained earnings to average equity (ytd only) | 1.2695% | 4,553 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7005% | 279 |
| Assets per employee ($millions) | 6.5515% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3777% | 5,445 |
| Loan loss allowance to noncurrent loans | 247.7273% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 4,269 |
| Noncurrent loans to loans | 0.1524% | 4,298 |
| Net loans and leases to total assets | 36.5730% | 5,190 |
| Net loans and leases to deposits | 43.2851% | 5,177 |
| Net loans and leases to core deposits | 48.2911% | 5,094 |
| Total domestic deposits to total assets | 84.4934% | 3,119 |
| Equity capital to assets | 15.3845% | 589 |
| Core capital (leverage) ratio | 15.6981% | 536 |
| Tier 1 risk-based capital ratio | 45.1964% | 170 |
| Total risk-based capital ratio | 45.5973% | 179 |
| Memoranda: | ||
| Average total assets | $79,168,000 | 4,582 |
| Average earning assets | $75,869,500 | 4,527 |
| Average equity | $12,288,500 | 4,076 |
| Average total loans | $29,394,000 | 4,985 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8516% | 5,437 |
| Cost of funding earning assets | 0.6175% | 1,489 |
| Net interest margin | 2.2341% | 5,525 |
| Noninterest income to average assets | 0.1822% | 5,043 |
| Noninterest expense to average assets | 2.2149% | 4,499 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1021% | 5,256 |
| Return on assets (ROA) | 0.2847% | 4,974 |
| Pretax return on assets | 0.3033% | 5,210 |
| Return on Equity (ROE) | 1.7086% | 5,110 |
| Retained earnings to average equity (ytd only) | 1.7086% | 4,283 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3062% | 264 |
| Assets per employee ($millions) | 7.2471% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3642% | 5,514 |
| Loan loss allowance to noncurrent loans | 66.0606% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 4,104 |
| Noncurrent loans to loans | 0.5514% | 2,845 |
| Net loans and leases to total assets | 37.4031% | 5,246 |
| Net loans and leases to deposits | 44.3970% | 5,237 |
| Net loans and leases to core deposits | 49.4880% | 5,148 |
| Total domestic deposits to total assets | 84.2470% | 3,113 |
| Equity capital to assets | 15.6577% | 558 |
| Core capital (leverage) ratio | 15.5208% | 539 |
| Tier 1 risk-based capital ratio | 44.6943% | 160 |
| Total risk-based capital ratio | 45.0872% | 166 |
| Memoranda: | ||
| Average total assets | $75,172,600 | 4,687 |
| Average earning assets | $72,063,800 | 4,619 |
| Average equity | $12,524,800 | 4,050 |
| Average total loans | $30,612,600 | 5,009 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8353% | 5,508 |
| Cost of funding earning assets | 0.5956% | 1,556 |
| Net interest margin | 2.2397% | 5,592 |
| Noninterest income to average assets | 0.1855% | 5,091 |
| Noninterest expense to average assets | 2.2511% | 4,416 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.0801% | 5,458 |
| Return on assets (ROA) | 0.3404% | 5,162 |
| Pretax return on assets | 0.3440% | 5,269 |
| Return on Equity (ROE) | 2.0102% | 5,308 |
| Retained earnings to average equity (ytd only) | 2.0102% | 4,637 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5251% | 238 |
| Assets per employee ($millions) | 6.5601% | 1,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3618% | 5,589 |
| Loan loss allowance to noncurrent loans | 69.8718% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 0.1982% | 4,300 |
| Noncurrent loans to loans | 0.5178% | 3,147 |
| Net loans and leases to total assets | 38.1309% | 5,261 |
| Net loans and leases to deposits | 45.4955% | 5,271 |
| Net loans and leases to core deposits | 51.4942% | 5,154 |
| Total domestic deposits to total assets | 83.8125% | 3,189 |
| Equity capital to assets | 16.0821% | 528 |
| Core capital (leverage) ratio | 15.9914% | 492 |
| Tier 1 risk-based capital ratio | 45.4354% | 159 |
| Total risk-based capital ratio | 45.8314% | 168 |
| Memoranda: | ||
| Average total assets | $74,036,250 | 4,756 |
| Average earning assets | $70,960,750 | 4,696 |
| Average equity | $12,535,500 | 4,093 |
| Average total loans | $30,784,250 | 5,053 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8466% | 5,536 |
| Cost of funding earning assets | 0.5503% | 1,775 |
| Net interest margin | 2.2963% | 5,609 |
| Noninterest income to average assets | 0.2014% | 5,041 |
| Noninterest expense to average assets | 2.3181% | 4,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1490% | 5,451 |
| Return on assets (ROA) | 0.1821% | 5,423 |
| Pretax return on assets | 0.1159% | 5,496 |
| Return on Equity (ROE) | 1.0565% | 5,464 |
| Retained earnings to average equity (ytd only) | 1.0565% | 4,817 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5517% | 246 |
| Assets per employee ($millions) | 6.4344% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3563% | 5,636 |
| Loan loss allowance to noncurrent loans | 78.9855% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 4,463 |
| Noncurrent loans to loans | 0.4510% | 3,397 |
| Net loans and leases to total assets | 39.4843% | 5,242 |
| Net loans and leases to deposits | 47.3371% | 5,236 |
| Net loans and leases to core deposits | 53.7614% | 5,098 |
| Total domestic deposits to total assets | 83.4108% | 3,424 |
| Equity capital to assets | 16.4648% | 479 |
| Core capital (leverage) ratio | 17.1749% | 358 |
| Tier 1 risk-based capital ratio | 45.0580% | 160 |
| Total risk-based capital ratio | 45.4529% | 166 |
| Memoranda: | ||
| Average total assets | $72,474,670 | 4,812 |
| Average earning assets | $69,416,670 | 4,758 |
| Average equity | $12,494,000 | 4,111 |
| Average total loans | $31,003,670 | 5,080 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8936% | 5,547 |
| Cost of funding earning assets | 0.5429% | 1,764 |
| Net interest margin | 2.3507% | 5,635 |
| Noninterest income to average assets | 0.1940% | 5,108 |
| Noninterest expense to average assets | 2.4306% | 4,029 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0970% | 5,522 |
| Return on assets (ROA) | 0.1655% | 5,451 |
| Pretax return on assets | 0.0799% | 5,542 |
| Return on Equity (ROE) | 0.9367% | 5,508 |
| Retained earnings to average equity (ytd only) | 0.9367% | 4,684 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5327% | 229 |
| Assets per employee ($millions) | 5.4453% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3484% | 5,722 |
| Loan loss allowance to noncurrent loans | 222.4490% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 4,995 |
| Noncurrent loans to loans | 0.1566% | 4,563 |
| Net loans and leases to total assets | 44.0365% | 5,037 |
| Net loans and leases to deposits | 53.5214% | 4,964 |
| Net loans and leases to core deposits | 56.1605% | 4,967 |
| Total domestic deposits to total assets | 82.2783% | 4,089 |
| Equity capital to assets | 17.5945% | 332 |
| Core capital (leverage) ratio | 17.5710% | 317 |
| Tier 1 risk-based capital ratio | 44.8975% | 171 |
| Total risk-based capital ratio | 45.2944% | 172 |
| Memoranda: | ||
| Average total assets | $70,105,500 | 4,916 |
| Average earning assets | $67,045,000 | 4,856 |
| Average equity | $12,384,500 | 4,150 |
| Average total loans | $31,207,500 | 5,118 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9212% | 5,561 |
| Cost of funding earning assets | 0.5527% | 1,663 |
| Net interest margin | 2.3685% | 5,671 |
| Noninterest income to average assets | 0.2029% | 5,200 |
| Noninterest expense to average assets | 2.4171% | 4,258 |
| Loan and lease loss provision to assets | 0.0014% | 4,316 |
| Net operating income to assets | 0.1314% | 5,523 |
| Return on assets (ROA) | 0.1557% | 5,529 |
| Pretax return on assets | 0.0800% | 5,610 |
| Return on Equity (ROE) | 0.8617% | 5,583 |
| Retained earnings to average equity (ytd only) | 0.8617% | 4,977 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6905% | 255 |
| Assets per employee ($millions) | 5.7852% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3501% | 5,770 |
| Loan loss allowance to noncurrent loans | 69.8718% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 0.2247% | 4,408 |
| Noncurrent loans to loans | 0.5011% | 3,359 |
| Net loans and leases to total assets | 44.6890% | 5,079 |
| Net loans and leases to deposits | 54.3985% | 4,995 |
| Net loans and leases to core deposits | 57.4157% | 5,000 |
| Total domestic deposits to total assets | 82.1512% | 4,030 |
| Equity capital to assets | 17.7379% | 320 |
| Core capital (leverage) ratio | 17.4536% | 318 |
| Tier 1 risk-based capital ratio | 46.1666% | 165 |
| Total risk-based capital ratio | 46.5762% | 169 |
| Memoranda: | ||
| Average total assets | $70,000,400 | 4,933 |
| Average earning assets | $67,131,000 | 4,861 |
| Average equity | $12,649,000 | 4,144 |
| Average total loans | $30,847,600 | 5,164 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9337% | 5,624 |
| Cost of funding earning assets | 0.5527% | 1,665 |
| Net interest margin | 2.3810% | 5,730 |
| Noninterest income to average assets | 0.2015% | 5,261 |
| Noninterest expense to average assets | 2.4273% | 4,203 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1255% | 5,593 |
| Return on assets (ROA) | 0.1673% | 5,578 |
| Pretax return on assets | 0.1007% | 5,679 |
| Return on Equity (ROE) | 0.9215% | 5,650 |
| Retained earnings to average equity (ytd only) | 0.9215% | 5,111 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6300% | 271 |
| Assets per employee ($millions) | 5.3993% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3463% | 5,830 |
| Loan loss allowance to noncurrent loans | 432.0000% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.0356% | 5,344 |
| Noncurrent loans to loans | 0.0802% | 5,030 |
| Net loans and leases to total assets | 44.2721% | 5,170 |
| Net loans and leases to deposits | 54.3716% | 5,090 |
| Net loans and leases to core deposits | 57.7034% | 5,069 |
| Total domestic deposits to total assets | 81.4250% | 4,128 |
| Equity capital to assets | 18.3371% | 317 |
| Core capital (leverage) ratio | 17.6667% | 323 |
| Tier 1 risk-based capital ratio | 46.6246% | 164 |
| Total risk-based capital ratio | 47.0324% | 169 |
| Memoranda: | ||
| Average total assets | $70,145,000 | 4,972 |
| Average earning assets | $67,308,250 | 4,899 |
| Average equity | $12,732,750 | 4,171 |
| Average total loans | $30,776,250 | 5,216 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9346% | 5,700 |
| Cost of funding earning assets | 0.5525% | 1,681 |
| Net interest margin | 2.3821% | 5,821 |
| Noninterest income to average assets | 0.1683% | 5,482 |
| Noninterest expense to average assets | 2.3956% | 4,349 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1283% | 5,638 |
| Return on assets (ROA) | 0.1683% | 5,634 |
| Pretax return on assets | 0.0998% | 5,724 |
| Return on Equity (ROE) | 0.9301% | 5,700 |
| Retained earnings to average equity (ytd only) | 0.9301% | 5,021 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5610% | 297 |
| Assets per employee ($millions) | 5.7971% | 1,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3524% | 5,915 |
| Loan loss allowance to noncurrent loans | 5,400.0000% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 5,628 |
| Noncurrent loans to loans | 0.0065% | 5,488 |
| Net loans and leases to total assets | 43.9014% | 5,239 |
| Net loans and leases to deposits | 54.1893% | 5,126 |
| Net loans and leases to core deposits | 57.6063% | 5,088 |
| Total domestic deposits to total assets | 81.0149% | 4,271 |
| Equity capital to assets | 18.6746% | 281 |
| Core capital (leverage) ratio | 17.4557% | 329 |
| Tier 1 risk-based capital ratio | 47.3626% | 158 |
| Total risk-based capital ratio | 47.7778% | 161 |
| Memoranda: | ||
| Average total assets | $70,129,670 | 5,020 |
| Average earning assets | $67,334,330 | 4,952 |
| Average equity | $12,686,670 | 4,203 |
| Average total loans | $30,640,670 | 5,277 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8539% | 5,821 |
| Cost of funding earning assets | 0.5554% | 1,655 |
| Net interest margin | 2.2984% | 5,930 |
| Noninterest income to average assets | 0.1818% | 5,409 |
| Noninterest expense to average assets | 2.2383% | 4,807 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1875% | 5,552 |
| Return on assets (ROA) | 0.2556% | 5,494 |
| Pretax return on assets | 0.2216% | 5,617 |
| Return on Equity (ROE) | 1.4360% | 5,628 |
| Retained earnings to average equity (ytd only) | 1.4360% | 4,693 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5867% | 472 |
| Assets per employee ($millions) | 5.4078% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3520% | 5,983 |
| Loan loss allowance to noncurrent loans | 1,800.0000% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 5,640 |
| Noncurrent loans to loans | 0.0196% | 5,426 |
| Net loans and leases to total assets | 43.4859% | 5,275 |
| Net loans and leases to deposits | 53.0931% | 5,158 |
| Net loans and leases to core deposits | 56.4041% | 5,118 |
| Total domestic deposits to total assets | 81.9050% | 4,256 |
| Equity capital to assets | 17.9414% | 327 |
| Core capital (leverage) ratio | 17.5140% | 333 |
| Tier 1 risk-based capital ratio | 46.9674% | 154 |
| Total risk-based capital ratio | 47.3797% | 158 |
| Memoranda: | ||
| Average total assets | $70,412,000 | 5,060 |
| Average earning assets | $67,698,000 | 4,987 |
| Average equity | $12,534,500 | 4,237 |
| Average total loans | $30,637,000 | 5,313 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9919% | 5,735 |
| Cost of funding earning assets | 0.6174% | 1,259 |
| Net interest margin | 2.3745% | 5,906 |
| Noninterest income to average assets | 0.1874% | 5,476 |
| Noninterest expense to average assets | 2.4116% | 4,484 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1030% | 5,750 |
| Return on assets (ROA) | 0.1473% | 5,735 |
| Pretax return on assets | 0.1087% | 5,791 |
| Return on Equity (ROE) | 0.8345% | 5,798 |
| Retained earnings to average equity (ytd only) | 0.8345% | 5,190 |
| Net charge-offs to loans | 0.0032% | 4,351 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 1,077 |
| Efficiency ratio | 97.4003% | 355 |
| Assets per employee ($millions) | 5.8769% | 1,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3530% | 6,026 |
| Loan loss allowance to noncurrent loans | 469.5652% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 5,557 |
| Noncurrent loans to loans | 0.0752% | 5,204 |
| Net loans and leases to total assets | 43.2299% | 5,329 |
| Net loans and leases to deposits | 52.5819% | 5,255 |
| Net loans and leases to core deposits | 56.3843% | 5,181 |
| Total domestic deposits to total assets | 82.2143% | 4,108 |
| Equity capital to assets | 17.6623% | 340 |
| Core capital (leverage) ratio | 17.3879% | 327 |
| Tier 1 risk-based capital ratio | 46.7172% | 148 |
| Total risk-based capital ratio | 47.1288% | 155 |
| Memoranda: | ||
| Average total assets | $69,913,200 | 5,094 |
| Average earning assets | $67,382,600 | 5,000 |
| Average equity | $12,342,200 | 4,235 |
| Average total loans | $31,142,800 | 5,319 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0412% | 5,771 |
| Cost of funding earning assets | 0.6289% | 1,226 |
| Net interest margin | 2.4123% | 5,971 |
| Noninterest income to average assets | 0.1911% | 5,512 |
| Noninterest expense to average assets | 2.3948% | 4,527 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1510% | 5,770 |
| Return on assets (ROA) | 0.1529% | 5,820 |
| Pretax return on assets | 0.1223% | 5,875 |
| Return on Equity (ROE) | 0.8662% | 5,875 |
| Retained earnings to average equity (ytd only) | 0.8662% | 5,357 |
| Net charge-offs to loans | 0.0043% | 4,034 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 63.1579% | 882 |
| Efficiency ratio | 95.2128% | 444 |
| Assets per employee ($millions) | 5.3836% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3526% | 6,112 |
| Loan loss allowance to noncurrent loans | 257.1429% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 5,533 |
| Noncurrent loans to loans | 0.1371% | 5,083 |
| Net loans and leases to total assets | 43.6152% | 5,380 |
| Net loans and leases to deposits | 53.1017% | 5,309 |
| Net loans and leases to core deposits | 56.7200% | 5,267 |
| Total domestic deposits to total assets | 82.1353% | 4,121 |
| Equity capital to assets | 17.7304% | 365 |
| Core capital (leverage) ratio | 17.4854% | 335 |
| Tier 1 risk-based capital ratio | 46.8527% | 160 |
| Total risk-based capital ratio | 47.2663% | 163 |
| Memoranda: | ||
| Average total assets | $69,760,750 | 5,165 |
| Average earning assets | $67,209,250 | 5,071 |
| Average equity | $12,313,750 | 4,296 |
| Average total loans | $31,279,750 | 5,376 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2535% | 5,525 |
| Cost of funding earning assets | 0.6346% | 1,201 |
| Net interest margin | 2.6189% | 5,868 |
| Noninterest income to average assets | 0.1808% | 5,606 |
| Noninterest expense to average assets | 2.3678% | 4,665 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3265% | 5,365 |
| Return on assets (ROA) | 0.3042% | 5,530 |
| Pretax return on assets | 0.3128% | 5,642 |
| Return on Equity (ROE) | 1.7261% | 5,750 |
| Retained earnings to average equity (ytd only) | 1.7261% | 4,831 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5796% | 933 |
| Assets per employee ($millions) | 5.7901% | 1,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3506% | 6,187 |
| Loan loss allowance to noncurrent loans | 3,633.3333% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 5,893 |
| Noncurrent loans to loans | 0.0097% | 5,728 |
| Net loans and leases to total assets | 44.5863% | 5,346 |
| Net loans and leases to deposits | 54.1856% | 5,244 |
| Net loans and leases to core deposits | 57.9144% | 5,202 |
| Total domestic deposits to total assets | 82.2844% | 4,196 |
| Equity capital to assets | 17.5947% | 375 |
| Core capital (leverage) ratio | 17.5476% | 324 |
| Tier 1 risk-based capital ratio | 46.7521% | 177 |
| Total risk-based capital ratio | 47.1676% | 183 |
| Memoranda: | ||
| Average total assets | $69,685,330 | 5,225 |
| Average earning assets | $67,127,330 | 5,126 |
| Average equity | $12,282,000 | 4,328 |
| Average total loans | $31,495,330 | 5,413 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9808% | 5,916 |
| Cost of funding earning assets | 0.6366% | 1,194 |
| Net interest margin | 2.3442% | 6,134 |
| Noninterest income to average assets | 0.1891% | 5,571 |
| Noninterest expense to average assets | 2.3844% | 4,638 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1204% | 5,841 |
| Return on assets (ROA) | 0.0802% | 5,961 |
| Pretax return on assets | 0.0229% | 6,024 |
| Return on Equity (ROE) | 0.4549% | 5,991 |
| Retained earnings to average equity (ytd only) | 0.4549% | 5,232 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4239% | 452 |
| Assets per employee ($millions) | 5.8479% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3433% | 6,267 |
| Loan loss allowance to noncurrent loans | 1,816.6667% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 5,921 |
| Noncurrent loans to loans | 0.0189% | 5,730 |
| Net loans and leases to total assets | 45.0916% | 5,265 |
| Net loans and leases to deposits | 54.8320% | 5,138 |
| Net loans and leases to core deposits | 58.2884% | 5,103 |
| Total domestic deposits to total assets | 82.2358% | 4,443 |
| Equity capital to assets | 17.6131% | 364 |
| Core capital (leverage) ratio | 17.4800% | 322 |
| Tier 1 risk-based capital ratio | 45.2101% | 192 |
| Total risk-based capital ratio | 45.6149% | 204 |
| Memoranda: | ||
| Average total assets | $69,787,500 | 5,266 |
| Average earning assets | $67,231,000 | 5,164 |
| Average equity | $12,310,500 | 4,357 |
| Average total loans | $31,699,000 | 5,449 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2098% | 5,824 |
| Cost of funding earning assets | 0.6972% | 1,126 |
| Net interest margin | 2.5126% | 6,142 |
| Noninterest income to average assets | 0.1938% | 5,697 |
| Noninterest expense to average assets | 2.4277% | 4,769 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1561% | 5,860 |
| Return on assets (ROA) | 0.2728% | 5,663 |
| Pretax return on assets | 0.3173% | 5,668 |
| Return on Equity (ROE) | 1.5766% | 5,872 |
| Retained earnings to average equity (ytd only) | 1.5766% | 5,043 |
| Net charge-offs to loans | 0.0030% | 4,904 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 127.0000% | 419 |
| Efficiency ratio | 93.0143% | 648 |
| Assets per employee ($millions) | 5.7833% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3444% | 6,359 |
| Loan loss allowance to noncurrent loans | 389.2857% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 5,874 |
| Noncurrent loans to loans | 0.0885% | 5,535 |
| Net loans and leases to total assets | 45.4424% | 5,372 |
| Net loans and leases to deposits | 55.2805% | 5,226 |
| Net loans and leases to core deposits | 58.8454% | 5,211 |
| Total domestic deposits to total assets | 82.2032% | 4,347 |
| Equity capital to assets | 17.6671% | 344 |
| Core capital (leverage) ratio | 17.5173% | 324 |
| Tier 1 risk-based capital ratio | 44.9826% | 177 |
| Total risk-based capital ratio | 45.3859% | 185 |
| Memoranda: | ||
| Average total assets | $69,654,400 | 5,307 |
| Average earning assets | $66,983,000 | 5,200 |
| Average equity | $12,051,200 | 4,350 |
| Average total loans | $32,913,400 | 5,452 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3063% | 5,757 |
| Cost of funding earning assets | 0.7022% | 1,142 |
| Net interest margin | 2.6041% | 6,132 |
| Noninterest income to average assets | 0.2027% | 5,716 |
| Noninterest expense to average assets | 2.4211% | 4,758 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2299% | 5,783 |
| Return on assets (ROA) | 0.3576% | 5,482 |
| Pretax return on assets | 0.4437% | 5,485 |
| Return on Equity (ROE) | 2.0780% | 5,816 |
| Retained earnings to average equity (ytd only) | 2.0780% | 5,011 |
| Net charge-offs to loans | 0.0040% | 4,564 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 149.3684% | 417 |
| Efficiency ratio | 89.4700% | 882 |
| Assets per employee ($millions) | 5.3912% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3366% | 6,448 |
| Loan loss allowance to noncurrent loans | 3,633.3333% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 6,189 |
| Noncurrent loans to loans | 0.0093% | 6,001 |
| Net loans and leases to total assets | 46.0420% | 5,371 |
| Net loans and leases to deposits | 55.8732% | 5,249 |
| Net loans and leases to core deposits | 60.6059% | 5,150 |
| Total domestic deposits to total assets | 82.4045% | 4,335 |
| Equity capital to assets | 17.4514% | 381 |
| Core capital (leverage) ratio | 17.3416% | 337 |
| Tier 1 risk-based capital ratio | 43.5658% | 195 |
| Total risk-based capital ratio | 43.9566% | 201 |
| Memoranda: | ||
| Average total assets | $69,718,000 | 5,352 |
| Average earning assets | $67,021,250 | 5,252 |
| Average equity | $11,998,750 | 4,385 |
| Average total loans | $33,230,250 | 5,481 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2944% | 5,801 |
| Cost of funding earning assets | 0.7055% | 1,168 |
| Net interest margin | 2.5889% | 6,186 |
| Noninterest income to average assets | 0.2069% | 5,713 |
| Noninterest expense to average assets | 2.4944% | 4,589 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1658% | 5,918 |
| Return on assets (ROA) | 0.3247% | 5,558 |
| Pretax return on assets | 0.3937% | 5,584 |
| Return on Equity (ROE) | 1.8958% | 5,863 |
| Retained earnings to average equity (ytd only) | 1.8958% | 4,936 |
| Net charge-offs to loans | 0.0060% | 4,174 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 732 |
| Efficiency ratio | 92.5373% | 728 |
| Assets per employee ($millions) | 5.7888% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3287% | 6,525 |
| Loan loss allowance to noncurrent loans | 5,450.0000% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 6,262 |
| Noncurrent loans to loans | 0.0060% | 6,077 |
| Net loans and leases to total assets | 47.5765% | 5,211 |
| Net loans and leases to deposits | 57.7507% | 5,064 |
| Net loans and leases to core deposits | 61.8201% | 4,984 |
| Total domestic deposits to total assets | 82.3825% | 4,512 |
| Equity capital to assets | 17.4678% | 367 |
| Core capital (leverage) ratio | 17.3901% | 335 |
| Tier 1 risk-based capital ratio | 42.3548% | 204 |
| Total risk-based capital ratio | 42.7369% | 213 |
| Memoranda: | ||
| Average total assets | $69,595,330 | 5,404 |
| Average earning assets | $66,902,000 | 5,304 |
| Average equity | $11,921,330 | 4,410 |
| Average total loans | $33,514,330 | 5,515 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2628% | 5,914 |
| Cost of funding earning assets | 0.7052% | 1,214 |
| Net interest margin | 2.5577% | 6,277 |
| Noninterest income to average assets | 0.1895% | 5,831 |
| Noninterest expense to average assets | 2.4978% | 4,632 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1320% | 5,965 |
| Return on assets (ROA) | 0.2354% | 5,747 |
| Pretax return on assets | 0.2641% | 5,791 |
| Return on Equity (ROE) | 1.3881% | 5,954 |
| Retained earnings to average equity (ytd only) | 1.3881% | 5,060 |
| Net charge-offs to loans | 0.0119% | 3,376 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,135 |
| Efficiency ratio | 94.3601% | 732 |
| Assets per employee ($millions) | 5.3998% | 1,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3253% | 6,601 |
| Loan loss allowance to noncurrent loans | 1,557.1429% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 6,300 |
| Noncurrent loans to loans | 0.0209% | 6,104 |
| Net loans and leases to total assets | 47.5740% | 5,175 |
| Net loans and leases to deposits | 57.4871% | 4,989 |
| Net loans and leases to core deposits | 61.4756% | 4,927 |
| Total domestic deposits to total assets | 82.7559% | 4,687 |
| Equity capital to assets | 17.0147% | 397 |
| Core capital (leverage) ratio | 17.1059% | 360 |
| Tier 1 risk-based capital ratio | 41.6193% | 213 |
| Total risk-based capital ratio | 41.9971% | 221 |
| Memoranda: | ||
| Average total assets | $69,660,500 | 5,455 |
| Average earning assets | $66,936,000 | 5,354 |
| Average equity | $11,815,000 | 4,442 |
| Average total loans | $33,692,500 | 5,562 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0757% | 6,266 |
| Cost of funding earning assets | 0.8082% | 1,173 |
| Net interest margin | 2.2675% | 6,547 |
| Noninterest income to average assets | 0.1660% | 6,092 |
| Noninterest expense to average assets | 2.4585% | 4,895 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.0459% | 6,251 |
| Return on assets (ROA) | -0.1045% | 6,324 |
| Pretax return on assets | -0.2161% | 6,361 |
| Return on Equity (ROE) | -0.6110% | 6,303 |
| Retained earnings to average equity (ytd only) | -0.6110% | 5,992 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.3342% | 349 |
| Assets per employee ($millions) | 5.3172% | 1,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3247% | 6,678 |
| Loan loss allowance to noncurrent loans | 785.7143% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 6,346 |
| Noncurrent loans to loans | 0.0413% | 6,119 |
| Net loans and leases to total assets | 48.8549% | 5,208 |
| Net loans and leases to deposits | 58.8923% | 5,045 |
| Net loans and leases to core deposits | 63.3465% | 4,934 |
| Total domestic deposits to total assets | 82.9565% | 4,560 |
| Equity capital to assets | 16.9061% | 402 |
| Core capital (leverage) ratio | 17.3126% | 344 |
| Tier 1 risk-based capital ratio | 40.8988% | 215 |
| Total risk-based capital ratio | 41.2748% | 228 |
| Memoranda: | ||
| Average total assets | $69,879,000 | 5,482 |
| Average earning assets | $66,813,200 | 5,381 |
| Average equity | $11,948,600 | 4,451 |
| Average total loans | $34,650,200 | 5,554 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0119% | 6,414 |
| Cost of funding earning assets | 0.8287% | 1,162 |
| Net interest margin | 2.1832% | 6,657 |
| Noninterest income to average assets | 0.1541% | 6,265 |
| Noninterest expense to average assets | 2.4509% | 4,874 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.1065% | 6,388 |
| Return on assets (ROA) | -0.1503% | 6,462 |
| Pretax return on assets | -0.2797% | 6,508 |
| Return on Equity (ROE) | -0.8767% | 6,417 |
| Retained earnings to average equity (ytd only) | -0.8767% | 6,116 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.4308% | 278 |
| Assets per employee ($millions) | 4.9101% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3147% | 6,766 |
| Loan loss allowance to noncurrent loans | 1,833.3333% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 6,477 |
| Noncurrent loans to loans | 0.0172% | 6,303 |
| Net loans and leases to total assets | 50.6895% | 5,052 |
| Net loans and leases to deposits | 61.2832% | 4,835 |
| Net loans and leases to core deposits | 64.2814% | 4,873 |
| Total domestic deposits to total assets | 82.7136% | 4,677 |
| Equity capital to assets | 17.1322% | 402 |
| Core capital (leverage) ratio | 17.4013% | 347 |
| Tier 1 risk-based capital ratio | 40.1895% | 239 |
| Total risk-based capital ratio | 40.5591% | 246 |
| Memoranda: | ||
| Average total assets | $70,068,000 | 5,527 |
| Average earning assets | $66,932,750 | 5,433 |
| Average equity | $12,014,250 | 4,490 |
| Average total loans | $34,842,750 | 5,597 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4272% | 5,846 |
| Cost of funding earning assets | 0.8449% | 1,170 |
| Net interest margin | 2.5823% | 6,349 |
| Noninterest income to average assets | 0.2468% | 5,680 |
| Noninterest expense to average assets | 2.4706% | 4,834 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2468% | 5,784 |
| Return on assets (ROA) | 0.1135% | 6,194 |
| Pretax return on assets | 0.1049% | 6,225 |
| Return on Equity (ROE) | 0.6615% | 6,280 |
| Retained earnings to average equity (ytd only) | 0.6615% | 5,633 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2042% | 965 |
| Assets per employee ($millions) | 4.9631% | 2,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3154% | 6,804 |
| Loan loss allowance to noncurrent loans | 314.2857% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.5829% | 4,794 |
| Noncurrent loans to loans | 0.1004% | 6,095 |
| Net loans and leases to total assets | 50.0273% | 5,106 |
| Net loans and leases to deposits | 61.0281% | 4,859 |
| Net loans and leases to core deposits | 63.4255% | 4,957 |
| Total domestic deposits to total assets | 81.9743% | 5,071 |
| Equity capital to assets | 17.1536% | 401 |
| Core capital (leverage) ratio | 17.3853% | 332 |
| Tier 1 risk-based capital ratio | 39.5107% | 242 |
| Total risk-based capital ratio | 39.8705% | 249 |
| Memoranda: | ||
| Average total assets | $70,510,000 | 5,555 |
| Average earning assets | $67,226,670 | 5,469 |
| Average equity | $12,093,330 | 4,510 |
| Average total loans | $34,805,330 | 5,627 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7197% | 5,095 |
| Cost of funding earning assets | 0.8679% | 1,160 |
| Net interest margin | 2.8518% | 5,912 |
| Noninterest income to average assets | 0.2140% | 5,946 |
| Noninterest expense to average assets | 2.6076% | 4,381 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3036% | 5,555 |
| Return on assets (ROA) | 0.1464% | 6,149 |
| Pretax return on assets | 0.1577% | 6,157 |
| Return on Equity (ROE) | 0.8538% | 6,251 |
| Retained earnings to average equity (ytd only) | 0.8538% | 5,503 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8676% | 1,244 |
| Assets per employee ($millions) | 5.0810% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3174% | 6,887 |
| Loan loss allowance to noncurrent loans | 733.3333% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.5412% | 5,041 |
| Noncurrent loans to loans | 0.0433% | 6,351 |
| Net loans and leases to total assets | 48.5605% | 5,168 |
| Net loans and leases to deposits | 59.4135% | 4,860 |
| Net loans and leases to core deposits | 61.5970% | 4,989 |
| Total domestic deposits to total assets | 81.7331% | 5,287 |
| Equity capital to assets | 17.1774% | 412 |
| Core capital (leverage) ratio | 16.9553% | 359 |
| Tier 1 risk-based capital ratio | 39.2432% | 247 |
| Total risk-based capital ratio | 39.6011% | 256 |
| Memoranda: | ||
| Average total assets | $71,023,000 | 5,595 |
| Average earning assets | $67,746,500 | 5,505 |
| Average equity | $12,180,500 | 4,541 |
| Average total loans | $34,772,500 | 5,673 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5985% | 6,230 |
| Cost of funding earning assets | 1.0007% | 1,354 |
| Net interest margin | 2.5979% | 6,633 |
| Noninterest income to average assets | 0.2817% | 5,453 |
| Noninterest expense to average assets | 2.5808% | 4,809 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2390% | 5,668 |
| Return on assets (ROA) | 0.1707% | 6,011 |
| Pretax return on assets | 0.1110% | 6,142 |
| Return on Equity (ROE) | 1.0034% | 6,132 |
| Retained earnings to average equity (ytd only) | 1.0034% | 5,376 |
| Net charge-offs to loans | 0.0028% | 5,948 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 126.0000% | 317 |
| Efficiency ratio | 93.5052% | 829 |
| Assets per employee ($millions) | 5.0651% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3153% | 6,938 |
| Loan loss allowance to noncurrent loans | 478.2609% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.6205% | 4,917 |
| Noncurrent loans to loans | 0.0659% | 6,324 |
| Net loans and leases to total assets | 49.0495% | 5,302 |
| Net loans and leases to deposits | 59.9204% | 5,032 |
| Net loans and leases to core deposits | 62.1373% | 5,139 |
| Total domestic deposits to total assets | 81.8578% | 5,146 |
| Equity capital to assets | 17.1226% | 397 |
| Core capital (leverage) ratio | 16.9647% | 358 |
| Tier 1 risk-based capital ratio | 38.6966% | 255 |
| Total risk-based capital ratio | 39.0504% | 274 |
| Memoranda: | ||
| Average total assets | $70,287,200 | 5,624 |
| Average earning assets | $67,055,000 | 5,517 |
| Average equity | $11,958,800 | 4,575 |
| Average total loans | $35,585,000 | 5,696 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6883% | 6,242 |
| Cost of funding earning assets | 1.0242% | 1,425 |
| Net interest margin | 2.6641% | 6,692 |
| Noninterest income to average assets | 0.2757% | 5,573 |
| Noninterest expense to average assets | 2.6730% | 4,487 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1375% | 6,055 |
| Return on assets (ROA) | 0.1483% | 6,191 |
| Pretax return on assets | 0.1559% | 6,191 |
| Return on Equity (ROE) | 0.8730% | 6,271 |
| Retained earnings to average equity (ytd only) | 0.8730% | 5,817 |
| Net charge-offs to loans | 0.0037% | 5,714 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 76.1880% | 536 |
| Efficiency ratio | 94.8718% | 719 |
| Assets per employee ($millions) | 5.0238% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3115% | 7,053 |
| Loan loss allowance to noncurrent loans | 333.3333% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.6398% | 5,070 |
| Noncurrent loans to loans | 0.0935% | 6,385 |
| Net loans and leases to total assets | 50.0519% | 5,311 |
| Net loans and leases to deposits | 61.2567% | 5,049 |
| Net loans and leases to core deposits | 63.5468% | 5,203 |
| Total domestic deposits to total assets | 81.7084% | 5,123 |
| Equity capital to assets | 17.2394% | 427 |
| Core capital (leverage) ratio | 17.0333% | 368 |
| Tier 1 risk-based capital ratio | 38.5941% | 274 |
| Total risk-based capital ratio | 38.9485% | 289 |
| Memoranda: | ||
| Average total assets | $70,131,000 | 5,696 |
| Average earning assets | $66,913,500 | 5,586 |
| Average equity | $11,913,000 | 4,629 |
| Average total loans | $35,758,250 | 5,761 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7010% | 6,333 |
| Cost of funding earning assets | 1.0412% | 1,518 |
| Net interest margin | 2.6598% | 6,761 |
| Noninterest income to average assets | 0.1427% | 6,481 |
| Noninterest expense to average assets | 2.6975% | 4,438 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0343% | 6,278 |
| Return on assets (ROA) | 0.0514% | 6,392 |
| Pretax return on assets | 0.0000% | 6,445 |
| Return on Equity (ROE) | 0.3040% | 6,422 |
| Retained earnings to average equity (ytd only) | 0.3040% | 5,943 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6390% | 538 |
| Assets per employee ($millions) | 4.9886% | 2,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3117% | 7,118 |
| Loan loss allowance to noncurrent loans | 277.5000% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.6544% | 5,143 |
| Noncurrent loans to loans | 0.1123% | 6,382 |
| Net loans and leases to total assets | 50.8290% | 5,247 |
| Net loans and leases to deposits | 61.8870% | 5,013 |
| Net loans and leases to core deposits | 64.2005% | 5,195 |
| Total domestic deposits to total assets | 82.1320% | 5,082 |
| Equity capital to assets | 16.9903% | 448 |
| Core capital (leverage) ratio | 17.0762% | 358 |
| Tier 1 risk-based capital ratio | 38.1461% | 276 |
| Total risk-based capital ratio | 38.5012% | 288 |
| Memoranda: | ||
| Average total assets | $70,063,670 | 5,732 |
| Average earning assets | $66,846,330 | 5,621 |
| Average equity | $11,842,330 | 4,639 |
| Average total loans | $35,906,670 | 5,790 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8650% | 6,100 |
| Cost of funding earning assets | 1.0573% | 1,635 |
| Net interest margin | 2.8076% | 6,628 |
| Noninterest income to average assets | 0.1482% | 6,498 |
| Noninterest expense to average assets | 2.5479% | 4,997 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2166% | 5,936 |
| Return on assets (ROA) | 0.2166% | 6,081 |
| Pretax return on assets | 0.2793% | 6,018 |
| Return on Equity (ROE) | 1.2848% | 6,290 |
| Retained earnings to average equity (ytd only) | 1.2848% | 5,581 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1210% | 1,084 |
| Assets per employee ($millions) | 5.0721% | 2,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3072% | 7,174 |
| Loan loss allowance to noncurrent loans | 284.6154% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.7069% | 5,133 |
| Noncurrent loans to loans | 0.1079% | 6,489 |
| Net loans and leases to total assets | 50.7252% | 5,199 |
| Net loans and leases to deposits | 62.1313% | 4,895 |
| Net loans and leases to core deposits | 64.5000% | 5,058 |
| Total domestic deposits to total assets | 81.6420% | 5,412 |
| Equity capital to assets | 16.7568% | 466 |
| Core capital (leverage) ratio | 16.8258% | 374 |
| Tier 1 risk-based capital ratio | 36.9518% | 287 |
| Total risk-based capital ratio | 37.2951% | 305 |
| Memoranda: | ||
| Average total assets | $70,175,500 | 5,765 |
| Average earning assets | $66,960,500 | 5,661 |
| Average equity | $11,830,500 | 4,651 |
| Average total loans | $36,055,000 | 5,826 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2199% | 6,000 |
| Cost of funding earning assets | 1.4410% | 875 |
| Net interest margin | 2.7790% | 6,842 |
| Noninterest income to average assets | 0.1196% | 6,547 |
| Noninterest expense to average assets | 2.6086% | 5,062 |
| Loan and lease loss provision to assets | 0.0058% | 6,450 |
| Net operating income to assets | 0.1120% | 5,844 |
| Return on assets (ROA) | 0.2578% | 5,548 |
| Pretax return on assets | 0.3443% | 5,441 |
| Return on Equity (ROE) | 1.5060% | 5,837 |
| Retained earnings to average equity (ytd only) | 1.5060% | 5,140 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3721% | 899 |
| Assets per employee ($millions) | 4.9529% | 2,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3085% | 7,216 |
| Loan loss allowance to noncurrent loans | 146.0526% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.7773% | 5,081 |
| Noncurrent loans to loans | 0.2112% | 6,321 |
| Net loans and leases to total assets | 51.7270% | 5,353 |
| Net loans and leases to deposits | 64.6480% | 4,916 |
| Net loans and leases to core deposits | 66.9129% | 5,162 |
| Total domestic deposits to total assets | 80.0133% | 5,740 |
| Equity capital to assets | 16.9625% | 445 |
| Core capital (leverage) ratio | 17.1195% | 356 |
| Tier 1 risk-based capital ratio | 39.3279% | 244 |
| Total risk-based capital ratio | 39.4137% | 262 |
| Memoranda: | ||
| Average total assets | $69,424,000 | 5,758 |
| Average earning assets | $66,067,400 | 5,663 |
| Average equity | $11,885,400 | 4,575 |
| Average total loans | $35,636,200 | 5,885 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2463% | 6,091 |
| Cost of funding earning assets | 1.4672% | 961 |
| Net interest margin | 2.7791% | 6,912 |
| Noninterest income to average assets | 0.1747% | 6,338 |
| Noninterest expense to average assets | 2.6438% | 4,926 |
| Loan and lease loss provision to assets | 0.0077% | 6,332 |
| Net operating income to assets | 0.1237% | 5,906 |
| Return on assets (ROA) | 0.3130% | 5,525 |
| Pretax return on assets | 0.4262% | 5,383 |
| Return on Equity (ROE) | 1.8238% | 5,832 |
| Retained earnings to average equity (ytd only) | 1.8238% | 5,224 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8011% | 927 |
| Assets per employee ($millions) | 5.0334% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3067% | 7,285 |
| Loan loss allowance to noncurrent loans | 358.0645% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.7833% | 5,211 |
| Noncurrent loans to loans | 0.0856% | 6,719 |
| Net loans and leases to total assets | 51.2048% | 5,552 |
| Net loans and leases to deposits | 63.9429% | 5,178 |
| Net loans and leases to core deposits | 66.1406% | 5,399 |
| Total domestic deposits to total assets | 80.0789% | 5,710 |
| Equity capital to assets | 16.8658% | 498 |
| Core capital (leverage) ratio | 16.8769% | 412 |
| Tier 1 risk-based capital ratio | 38.8149% | 272 |
| Total risk-based capital ratio | 38.8998% | 286 |
| Memoranda: | ||
| Average total assets | $69,444,750 | 5,797 |
| Average earning assets | $66,063,500 | 5,711 |
| Average equity | $11,916,250 | 4,587 |
| Average total loans | $35,550,500 | 5,943 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2031% | 6,271 |
| Cost of funding earning assets | 1.5290% | 901 |
| Net interest margin | 2.6742% | 7,055 |
| Noninterest income to average assets | 0.1708% | 6,439 |
| Noninterest expense to average assets | 2.6569% | 4,979 |
| Loan and lease loss provision to assets | 0.0029% | 6,204 |
| Net operating income to assets | 0.0579% | 6,097 |
| Return on assets (ROA) | 0.1245% | 6,041 |
| Pretax return on assets | 0.1187% | 6,071 |
| Return on Equity (ROE) | 0.7211% | 6,143 |
| Retained earnings to average equity (ytd only) | 0.7211% | 5,568 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9723% | 789 |
| Assets per employee ($millions) | 4.9828% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3087% | 7,342 |
| Loan loss allowance to noncurrent loans | 348.3871% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.7899% | 5,315 |
| Noncurrent loans to loans | 0.0886% | 6,764 |
| Net loans and leases to total assets | 49.9978% | 5,822 |
| Net loans and leases to deposits | 63.9189% | 5,285 |
| Net loans and leases to core deposits | 66.1935% | 5,490 |
| Total domestic deposits to total assets | 78.2207% | 6,244 |
| Equity capital to assets | 17.1103% | 474 |
| Core capital (leverage) ratio | 16.9662% | 407 |
| Tier 1 risk-based capital ratio | 38.7238% | 262 |
| Total risk-based capital ratio | 38.7993% | 281 |
| Memoranda: | ||
| Average total assets | $69,103,670 | 5,849 |
| Average earning assets | $65,665,670 | 5,769 |
| Average equity | $11,926,670 | 4,573 |
| Average total loans | $35,336,000 | 6,005 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2401% | 6,173 |
| Cost of funding earning assets | 1.6092% | 791 |
| Net interest margin | 2.6309% | 7,098 |
| Noninterest income to average assets | 0.1454% | 6,683 |
| Noninterest expense to average assets | 2.6579% | 5,002 |
| Loan and lease loss provision to assets | 0.0058% | 5,802 |
| Net operating income to assets | 0.0407% | 6,252 |
| Return on assets (ROA) | 0.0407% | 6,291 |
| Pretax return on assets | -0.0174% | 6,377 |
| Return on Equity (ROE) | 0.2349% | 6,334 |
| Retained earnings to average equity (ytd only) | 0.2349% | 5,720 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4396% | 721 |
| Assets per employee ($millions) | 5.0143% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3054% | 7,401 |
| Loan loss allowance to noncurrent loans | 180.0000% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.8390% | 5,229 |
| Noncurrent loans to loans | 0.1697% | 6,628 |
| Net loans and leases to total assets | 50.2251% | 5,821 |
| Net loans and leases to deposits | 65.9065% | 4,989 |
| Net loans and leases to core deposits | 67.8874% | 5,300 |
| Total domestic deposits to total assets | 76.2066% | 6,639 |
| Equity capital to assets | 16.9744% | 441 |
| Core capital (leverage) ratio | 16.8116% | 408 |
| Tier 1 risk-based capital ratio | 38.1678% | 268 |
| Total risk-based capital ratio | 38.2425% | 293 |
| Memoranda: | ||
| Average total assets | $68,776,000 | 5,909 |
| Average earning assets | $65,376,000 | 5,815 |
| Average equity | $11,922,000 | 4,569 |
| Average total loans | $35,511,000 | 6,047 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7944% | 5,431 |
| Cost of funding earning assets | 1.8207% | 1,095 |
| Net interest margin | 2.9737% | 6,788 |
| Noninterest income to average assets | 0.1791% | 6,469 |
| Noninterest expense to average assets | 2.7245% | 4,879 |
| Loan and lease loss provision to assets | 0.0185% | 6,924 |
| Net operating income to assets | 0.3025% | 4,931 |
| Return on assets (ROA) | 0.0587% | 5,829 |
| Pretax return on assets | 0.0108% | 5,878 |
| Return on Equity (ROE) | 0.3199% | 5,876 |
| Retained earnings to average equity (ytd only) | 0.3199% | 5,421 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8857% | 1,248 |
| Assets per employee ($millions) | 4.8109% | 2,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3001% | 7,484 |
| Loan loss allowance to noncurrent loans | 87.7049% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.9235% | 5,170 |
| Noncurrent loans to loans | 0.3422% | 6,373 |
| Net loans and leases to total assets | 52.7809% | 5,812 |
| Net loans and leases to deposits | 70.2064% | 4,794 |
| Net loans and leases to core deposits | 72.4337% | 5,167 |
| Total domestic deposits to total assets | 75.1797% | 6,744 |
| Equity capital to assets | 17.7099% | 394 |
| Core capital (leverage) ratio | 17.5106% | 359 |
| Tier 1 risk-based capital ratio | 38.3964% | 269 |
| Total risk-based capital ratio | 38.4683% | 285 |
| Memoranda: | ||
| Average total assets | $64,783,200 | 6,041 |
| Average earning assets | $61,404,600 | 5,943 |
| Average equity | $11,877,600 | 4,644 |
| Average total loans | $36,254,400 | 6,100 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9179% | 5,188 |
| Cost of funding earning assets | 1.8565% | 1,182 |
| Net interest margin | 3.0613% | 6,707 |
| Noninterest income to average assets | 0.1809% | 6,586 |
| Noninterest expense to average assets | 2.7439% | 4,706 |
| Loan and lease loss provision to assets | 0.0187% | 6,865 |
| Net operating income to assets | 0.2575% | 5,322 |
| Return on assets (ROA) | 0.2120% | 5,636 |
| Pretax return on assets | 0.2619% | 5,584 |
| Return on Equity (ROE) | 1.1462% | 5,861 |
| Retained earnings to average equity (ytd only) | 1.1462% | 5,364 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0688% | 1,362 |
| Assets per employee ($millions) | 4.3047% | 3,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2902% | 7,599 |
| Loan loss allowance to noncurrent loans | 81.2500% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.9726% | 5,142 |
| Noncurrent loans to loans | 0.3572% | 6,482 |
| Net loans and leases to total assets | 55.3422% | 5,649 |
| Net loans and leases to deposits | 74.3937% | 4,442 |
| Net loans and leases to core deposits | 76.9355% | 4,931 |
| Total domestic deposits to total assets | 74.3910% | 6,874 |
| Equity capital to assets | 18.3534% | 383 |
| Core capital (leverage) ratio | 18.2940% | 331 |
| Tier 1 risk-based capital ratio | 38.7097% | 274 |
| Total risk-based capital ratio | 38.7720% | 289 |
| Memoranda: | ||
| Average total assets | $64,141,000 | 6,131 |
| Average earning assets | $60,756,750 | 6,034 |
| Average equity | $11,865,000 | 4,716 |
| Average total loans | $36,404,000 | 6,181 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9719% | 5,072 |
| Cost of funding earning assets | 1.9049% | 1,223 |
| Net interest margin | 3.0670% | 6,686 |
| Noninterest income to average assets | 0.1813% | 6,614 |
| Noninterest expense to average assets | 2.8345% | 4,337 |
| Loan and lease loss provision to assets | 0.0188% | 6,738 |
| Net operating income to assets | 0.1938% | 5,584 |
| Return on assets (ROA) | 0.1938% | 5,708 |
| Pretax return on assets | 0.2313% | 5,700 |
| Return on Equity (ROE) | 1.0447% | 5,943 |
| Retained earnings to average equity (ytd only) | 1.0447% | 5,348 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8946% | 1,193 |
| Assets per employee ($millions) | 4.5419% | 2,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2729% | 7,673 |
| Loan loss allowance to noncurrent loans | 84.8739% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.9735% | 5,193 |
| Noncurrent loans to loans | 0.3215% | 6,584 |
| Net loans and leases to total assets | 58.0465% | 5,413 |
| Net loans and leases to deposits | 79.5080% | 3,687 |
| Net loans and leases to core deposits | 82.3222% | 4,368 |
| Total domestic deposits to total assets | 73.0071% | 7,097 |
| Equity capital to assets | 18.7428% | 359 |
| Core capital (leverage) ratio | 18.5716% | 323 |
| Tier 1 risk-based capital ratio | 38.2995% | 276 |
| Total risk-based capital ratio | 38.3516% | 290 |
| Memoranda: | ||
| Average total assets | $63,997,670 | 6,179 |
| Average earning assets | $60,581,000 | 6,080 |
| Average equity | $11,869,670 | 4,714 |
| Average total loans | $36,592,330 | 6,216 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9558% | 5,212 |
| Cost of funding earning assets | 1.9415% | 1,281 |
| Net interest margin | 3.0143% | 6,797 |
| Noninterest income to average assets | 0.1495% | 6,901 |
| Noninterest expense to average assets | 2.9843% | 3,733 |
| Loan and lease loss provision to assets | 0.0187% | 6,453 |
| Net operating income to assets | 0.0561% | 6,143 |
| Return on assets (ROA) | 0.0561% | 6,255 |
| Pretax return on assets | 0.0000% | 6,350 |
| Return on Equity (ROE) | 0.3039% | 6,328 |
| Retained earnings to average equity (ytd only) | 0.3039% | 5,709 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3776% | 863 |
| Assets per employee ($millions) | 4.9573% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2707% | 7,771 |
| Loan loss allowance to noncurrent loans | 83.7607% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.9574% | 5,237 |
| Noncurrent loans to loans | 0.3231% | 6,657 |
| Net loans and leases to total assets | 56.0307% | 5,740 |
| Net loans and leases to deposits | 76.2404% | 4,368 |
| Net loans and leases to core deposits | 78.8148% | 4,920 |
| Total domestic deposits to total assets | 73.4921% | 7,104 |
| Equity capital to assets | 18.3862% | 385 |
| Core capital (leverage) ratio | 18.2324% | 362 |
| Tier 1 risk-based capital ratio | 37.8867% | 290 |
| Total risk-based capital ratio | 37.9417% | 306 |
| Memoranda: | ||
| Average total assets | $64,203,000 | 6,236 |
| Average earning assets | $60,777,500 | 6,144 |
| Average equity | $11,845,500 | 4,753 |
| Average total loans | $36,383,000 | 6,291 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3937% | 4,733 |
| Cost of funding earning assets | 2.2028% | 2,022 |
| Net interest margin | 3.1909% | 6,125 |
| Noninterest income to average assets | 0.1891% | 6,737 |
| Noninterest expense to average assets | 2.5827% | 5,852 |
| Loan and lease loss provision to assets | 0.0556% | 7,008 |
| Net operating income to assets | 0.4090% | 4,096 |
| Return on assets (ROA) | 0.4180% | 4,159 |
| Pretax return on assets | 0.5865% | 3,941 |
| Return on Equity (ROE) | 2.2467% | 4,810 |
| Retained earnings to average equity (ytd only) | 2.2467% | 3,542 |
| Net charge-offs to loans | 0.0112% | 7,074 |
| Credit loss provision to net charge-offs | 875.0000% | 334 |
| Earnings coverage of net charge-offs (x) | 99.0000% | 280 |
| Efficiency ratio | 80.4057% | 2,824 |
| Assets per employee ($millions) | 4.9201% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2599% | 7,850 |
| Loan loss allowance to noncurrent loans | 133.8028% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 1.0710% | 4,953 |
| Noncurrent loans to loans | 0.1942% | 6,935 |
| Net loans and leases to total assets | 57.0097% | 5,816 |
| Net loans and leases to deposits | 77.7600% | 4,426 |
| Net loans and leases to core deposits | 92.7129% | 4,809 |
| Total domestic deposits to total assets | 73.3150% | 7,116 |
| Equity capital to assets | 18.5144% | 406 |
| Core capital (leverage) ratio | 18.3553% | 378 |
| Tier 1 risk-based capital ratio | 38.1786% | 283 |
| Total risk-based capital ratio | 38.2340% | 294 |
| Memoranda: | ||
| Average total assets | $62,919,000 | 6,241 |
| Average earning assets | $59,606,200 | 6,140 |
| Average equity | $11,706,200 | 4,813 |
| Average total loans | $35,574,000 | 6,330 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5042% | 4,396 |
| Cost of funding earning assets | 2.2583% | 2,160 |
| Net interest margin | 3.2460% | 5,858 |
| Noninterest income to average assets | 0.1915% | 6,850 |
| Noninterest expense to average assets | 2.5790% | 5,786 |
| Loan and lease loss provision to assets | 0.0638% | 6,721 |
| Net operating income to assets | 0.4433% | 4,223 |
| Return on assets (ROA) | 0.4554% | 4,285 |
| Pretax return on assets | 0.6426% | 4,048 |
| Return on Equity (ROE) | 2.4445% | 5,012 |
| Retained earnings to average equity (ytd only) | 2.4445% | 3,960 |
| Net charge-offs to loans | 0.0076% | 6,859 |
| Credit loss provision to net charge-offs | 1,500.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 161.7940% | 234 |
| Efficiency ratio | 78.9063% | 3,010 |
| Assets per employee ($millions) | 4.5021% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2548% | 7,935 |
| Loan loss allowance to noncurrent loans | 193.6170% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 1.0487% | 4,980 |
| Noncurrent loans to loans | 0.1316% | 7,152 |
| Net loans and leases to total assets | 56.5144% | 6,089 |
| Net loans and leases to deposits | 77.5263% | 4,818 |
| Net loans and leases to core deposits | 90.9952% | 5,332 |
| Total domestic deposits to total assets | 72.8970% | 7,096 |
| Equity capital to assets | 18.7593% | 440 |
| Core capital (leverage) ratio | 18.5671% | 414 |
| Tier 1 risk-based capital ratio | 38.4291% | 307 |
| Total risk-based capital ratio | 38.4719% | 323 |
| Memoranda: | ||
| Average total assets | $62,658,500 | 6,288 |
| Average earning assets | $59,395,500 | 6,191 |
| Average equity | $11,672,250 | 4,876 |
| Average total loans | $35,327,750 | 6,390 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6182% | 3,977 |
| Cost of funding earning assets | 2.3080% | 2,329 |
| Net interest margin | 3.3102% | 5,518 |
| Noninterest income to average assets | 0.1759% | 7,039 |
| Noninterest expense to average assets | 2.6161% | 5,677 |
| Loan and lease loss provision to assets | 0.0672% | 6,532 |
| Net operating income to assets | 0.4456% | 4,312 |
| Return on assets (ROA) | 0.4637% | 4,353 |
| Pretax return on assets | 0.6556% | 4,145 |
| Return on Equity (ROE) | 2.4953% | 5,100 |
| Retained earnings to average equity (ytd only) | 2.4953% | 3,942 |
| Net charge-offs to loans | 0.0114% | 6,404 |
| Credit loss provision to net charge-offs | 1,050.0000% | 471 |
| Earnings coverage of net charge-offs (x) | 109.0000% | 350 |
| Efficiency ratio | 78.9575% | 3,198 |
| Assets per employee ($millions) | 4.5171% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2276% | 8,049 |
| Loan loss allowance to noncurrent loans | 170.8333% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 1.0468% | 4,875 |
| Noncurrent loans to loans | 0.1332% | 7,183 |
| Net loans and leases to total assets | 56.8533% | 6,108 |
| Net loans and leases to deposits | 79.3651% | 4,645 |
| Net loans and leases to core deposits | 93.8183% | 5,138 |
| Total domestic deposits to total assets | 71.6350% | 7,288 |
| Equity capital to assets | 18.5041% | 506 |
| Core capital (leverage) ratio | 18.3702% | 470 |
| Tier 1 risk-based capital ratio | 39.8884% | 312 |
| Total risk-based capital ratio | 39.8781% | 329 |
| Memoranda: | ||
| Average total assets | $62,534,670 | 6,355 |
| Average earning assets | $59,272,000 | 6,265 |
| Average equity | $11,621,670 | 4,909 |
| Average total loans | $35,199,670 | 6,447 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7611% | 3,473 |
| Cost of funding earning assets | 2.3112% | 2,648 |
| Net interest margin | 3.4499% | 4,939 |
| Noninterest income to average assets | 0.1608% | 7,157 |
| Noninterest expense to average assets | 2.5924% | 5,488 |
| Loan and lease loss provision to assets | 0.0257% | 6,595 |
| Net operating income to assets | 0.5627% | 4,173 |
| Return on assets (ROA) | 0.5982% | 4,216 |
| Pretax return on assets | 0.8684% | 3,832 |
| Return on Equity (ROE) | 3.2120% | 5,270 |
| Retained earnings to average equity (ytd only) | 3.2120% | 4,082 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4682% | 3,569 |
| Assets per employee ($millions) | 4.5396% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1898% | 8,117 |
| Loan loss allowance to noncurrent loans | 352.6316% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.9614% | 4,794 |
| Noncurrent loans to loans | 0.0538% | 7,384 |
| Net loans and leases to total assets | 55.4292% | 6,316 |
| Net loans and leases to deposits | 77.1140% | 5,073 |
| Net loans and leases to core deposits | 90.5930% | 5,499 |
| Total domestic deposits to total assets | 71.8795% | 7,225 |
| Equity capital to assets | 18.3227% | 567 |
| Core capital (leverage) ratio | 18.1942% | 535 |
| Tier 1 risk-based capital ratio | 40.9172% | 309 |
| Total risk-based capital ratio | 40.8533% | 326 |
| Memoranda: | ||
| Average total assets | $62,182,000 | 6,394 |
| Average earning assets | $59,016,000 | 6,300 |
| Average equity | $11,581,500 | 4,962 |
| Average total loans | $34,781,500 | 6,504 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5041% | 7,294 |
| Cost of funding earning assets | 2.7984% | 2,714 |
| Net interest margin | 2.7056% | 7,493 |
| Noninterest income to average assets | 0.1602% | 7,277 |
| Noninterest expense to average assets | 2.5713% | 5,748 |
| Loan and lease loss provision to assets | 0.0133% | 7,200 |
| Net operating income to assets | 0.1449% | 5,992 |
| Return on assets (ROA) | 0.1669% | 5,776 |
| Pretax return on assets | 0.1769% | 5,778 |
| Return on Equity (ROE) | 0.8654% | 5,959 |
| Retained earnings to average equity (ytd only) | 0.8654% | 4,707 |
| Net charge-offs to loans | 0.0215% | 6,550 |
| Credit loss provision to net charge-offs | 114.2857% | 4,724 |
| Earnings coverage of net charge-offs (x) | 14.2857% | 2,048 |
| Efficiency ratio | 93.9062% | 1,283 |
| Assets per employee ($millions) | 4.3435% | 2,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1838% | 8,175 |
| Loan loss allowance to noncurrent loans | 10.6961% | 7,496 |
| Noncurrent assets plus other real estate owned to assets | 1.1166% | 4,045 |
| Noncurrent loans to loans | 1.7188% | 3,192 |
| Net loans and leases to total assets | 56.2499% | 6,406 |
| Net loans and leases to deposits | 79.3914% | 5,150 |
| Net loans and leases to core deposits | 92.5085% | 5,594 |
| Total domestic deposits to total assets | 70.8514% | 7,178 |
| Equity capital to assets | 18.9413% | 551 |
| Core capital (leverage) ratio | 18.8496% | 525 |
| Tier 1 risk-based capital ratio | 41.7943% | 299 |
| Total risk-based capital ratio | 41.7139% | 322 |
| Memoranda: | ||
| Average total assets | $59,930,000 | 6,385 |
| Average earning assets | $57,103,200 | 6,295 |
| Average equity | $11,555,800 | 4,950 |
| Average total loans | $32,534,000 | 6,576 |