Home > Farmers Building and Savings Bank > Performance and Condition Ratios
Farmers Building and Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0734% | 4,240 |
| Cost of funding earning assets | 2.5270% | 818 |
| Net interest margin | 1.5464% | 4,372 |
| Noninterest income to average assets | 0.1500% | 3,849 |
| Noninterest expense to average assets | 1.3367% | 4,302 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.2612% | 3,909 |
| Return on assets (ROA) | 0.3058% | 3,876 |
| Pretax return on assets | 0.2680% | 3,972 |
| Return on Equity (ROE) | 1.4600% | 4,047 |
| Retained earnings to average equity (ytd only) | 1.4580% | 3,418 |
| 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 | 85.6828% | 657 |
| Assets per employee ($millions) | 23.3402% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7762% | 3,913 |
| Loan loss allowance to noncurrent loans | 30.4006% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 1.1979% | 555 |
| Noncurrent loans to loans | 2.5534% | 300 |
| Net loans and leases to total assets | 46.5500% | 3,739 |
| Net loans and leases to deposits | 59.8073% | 3,493 |
| Net loans and leases to core deposits | 59.8073% | 3,701 |
| Total domestic deposits to total assets | 77.8400% | 3,831 |
| Equity capital to assets | 20.9604% | 254 |
| Core capital (leverage) ratio | 20.9267% | 230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.0200% | 109 |
| Memoranda: | ||
| Average total assets | $116,405,000 | 3,638 |
| Average earning assets | $106,054,000 | 3,647 |
| Average equity | $24,416,500 | 2,736 |
| Average total loans | $54,670,000 | 3,765 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0724% | 4,237 |
| Cost of funding earning assets | 2.8379% | 655 |
| Net interest margin | 1.2345% | 4,410 |
| Noninterest income to average assets | 0.1300% | 4,080 |
| Noninterest expense to average assets | 1.2828% | 4,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.1183% | 4,068 |
| Return on assets (ROA) | 0.1928% | 4,010 |
| Pretax return on assets | 0.0587% | 4,141 |
| Return on Equity (ROE) | 0.9100% | 4,120 |
| Retained earnings to average equity (ytd only) | 0.9078% | 3,707 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 101.1748% | 258 |
| Assets per employee ($millions) | 23.2218% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7785% | 3,924 |
| Loan loss allowance to noncurrent loans | 29.3711% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.2462% | 501 |
| Noncurrent loans to loans | 2.6507% | 247 |
| Net loans and leases to total assets | 46.6500% | 3,790 |
| Net loans and leases to deposits | 59.9219% | 3,539 |
| Net loans and leases to core deposits | 59.9219% | 3,751 |
| Total domestic deposits to total assets | 77.8500% | 3,795 |
| Equity capital to assets | 20.9906% | 248 |
| Core capital (leverage) ratio | 21.1749% | 221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.3692% | 116 |
| Memoranda: | ||
| Average total assets | $114,126,400 | 3,651 |
| Average earning assets | $104,900,000 | 3,652 |
| Average equity | $24,233,800 | 2,680 |
| Average total loans | $52,716,600 | 3,777 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1046% | 4,226 |
| Cost of funding earning assets | 2.9264% | 573 |
| Net interest margin | 1.1782% | 4,446 |
| Noninterest income to average assets | 0.1300% | 4,095 |
| Noninterest expense to average assets | 1.2567% | 4,380 |
| Loan and lease loss provision to assets | -0.0100% | 4,132 |
| Net operating income to assets | 0.1209% | 4,094 |
| Return on assets (ROA) | 0.2042% | 4,029 |
| Pretax return on assets | 0.0505% | 4,201 |
| Return on Equity (ROE) | 0.9600% | 4,141 |
| Retained earnings to average equity (ytd only) | 0.9587% | 3,743 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 103.5783% | 231 |
| Assets per employee ($millions) | 22.7708% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7547% | 4,007 |
| Loan loss allowance to noncurrent loans | 28.0969% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.2692% | 461 |
| Noncurrent loans to loans | 2.6862% | 246 |
| Net loans and leases to total assets | 46.8900% | 3,780 |
| Net loans and leases to deposits | 60.6422% | 3,559 |
| Net loans and leases to core deposits | 60.6422% | 3,766 |
| Total domestic deposits to total assets | 77.3200% | 3,795 |
| Equity capital to assets | 21.3651% | 236 |
| Core capital (leverage) ratio | 21.4004% | 217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.4411% | 109 |
| Memoranda: | ||
| Average total assets | $113,630,750 | 3,662 |
| Average earning assets | $104,790,000 | 3,671 |
| Average equity | $24,199,250 | 2,676 |
| Average total loans | $52,248,500 | 3,791 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0766% | 4,233 |
| Cost of funding earning assets | 2.8999% | 542 |
| Net interest margin | 1.1767% | 4,471 |
| Noninterest income to average assets | 0.1200% | 4,137 |
| Noninterest expense to average assets | 1.1976% | 4,413 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | -0.0609% | 4,285 |
| Return on assets (ROA) | 0.0018% | 4,257 |
| Pretax return on assets | 0.0810% | 4,171 |
| Return on Equity (ROE) | 0.0100% | 4,254 |
| Retained earnings to average equity (ytd only) | 0.0083% | 3,833 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 98.9811% | 309 |
| Assets per employee ($millions) | 22.8844% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8193% | 3,891 |
| Loan loss allowance to noncurrent loans | 33.0508% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.1344% | 498 |
| Noncurrent loans to loans | 2.4790% | 264 |
| Net loans and leases to total assets | 45.3900% | 3,857 |
| Net loans and leases to deposits | 58.4730% | 3,650 |
| Net loans and leases to core deposits | 58.4730% | 3,815 |
| Total domestic deposits to total assets | 77.6200% | 3,745 |
| Equity capital to assets | 21.1078% | 250 |
| Core capital (leverage) ratio | 21.1439% | 224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.9382% | 112 |
| Memoranda: | ||
| Average total assets | $113,556,333 | 3,684 |
| Average earning assets | $105,037,333 | 3,676 |
| Average equity | $24,157,333 | 2,643 |
| Average total loans | $51,733,667 | 3,812 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0450% | 4,224 |
| Cost of funding earning assets | 2.8942% | 506 |
| Net interest margin | 1.1508% | 4,501 |
| Noninterest income to average assets | 0.1200% | 4,125 |
| Noninterest expense to average assets | 1.2765% | 4,417 |
| Loan and lease loss provision to assets | -0.1600% | 4,490 |
| Net operating income to assets | -0.0006% | 4,288 |
| Return on assets (ROA) | 0.0636% | 4,194 |
| Pretax return on assets | 0.1450% | 4,114 |
| Return on Equity (ROE) | 0.3000% | 4,225 |
| Retained earnings to average equity (ytd only) | 0.2980% | 3,641 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 107.7612% | 209 |
| Assets per employee ($millions) | 22.6960% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7713% | 4,000 |
| Loan loss allowance to noncurrent loans | 26.6712% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.3051% | 381 |
| Noncurrent loans to loans | 2.8921% | 178 |
| Net loans and leases to total assets | 44.7800% | 3,864 |
| Net loans and leases to deposits | 57.7406% | 3,641 |
| Net loans and leases to core deposits | 57.7406% | 3,850 |
| Total domestic deposits to total assets | 77.5500% | 3,848 |
| Equity capital to assets | 21.2980% | 246 |
| Core capital (leverage) ratio | 21.3660% | 225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.4798% | 110 |
| Memoranda: | ||
| Average total assets | $113,123,500 | 3,707 |
| Average earning assets | $104,624,000 | 3,698 |
| Average equity | $24,160,000 | 2,652 |
| Average total loans | $51,420,500 | 3,830 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9553% | 4,026 |
| Cost of funding earning assets | 2.2998% | 545 |
| Net interest margin | 1.6556% | 4,482 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 1.1943% | 4,464 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.4249% | 3,815 |
| Return on assets (ROA) | 0.4753% | 3,719 |
| Pretax return on assets | 0.4582% | 3,882 |
| Return on Equity (ROE) | 2.3300% | 4,117 |
| Retained earnings to average equity (ytd only) | 2.3299% | 3,499 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.2711% | 1,636 |
| Assets per employee ($millions) | 22.5534% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8212% | 3,914 |
| Loan loss allowance to noncurrent loans | 29.9647% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.2548% | 340 |
| Noncurrent loans to loans | 2.7405% | 165 |
| Net loans and leases to total assets | 45.4100% | 3,843 |
| Net loans and leases to deposits | 58.6884% | 3,599 |
| Net loans and leases to core deposits | 58.6884% | 3,812 |
| Total domestic deposits to total assets | 77.3800% | 3,802 |
| Equity capital to assets | 21.4167% | 258 |
| Core capital (leverage) ratio | 21.4863% | 218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.5621% | 109 |
| Memoranda: | ||
| Average total assets | $116,975,600 | 3,683 |
| Average earning assets | $108,663,000 | 3,661 |
| Average equity | $23,863,200 | 2,580 |
| Average total loans | $48,189,800 | 3,866 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9516% | 3,920 |
| Cost of funding earning assets | 2.1701% | 525 |
| Net interest margin | 1.7815% | 4,485 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 1.1500% | 4,494 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.3271% | 4,087 |
| Return on assets (ROA) | 0.3592% | 4,037 |
| Pretax return on assets | 0.5908% | 3,752 |
| Return on Equity (ROE) | 1.7800% | 4,226 |
| Retained earnings to average equity (ytd only) | 1.7821% | 3,773 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.9649% | 2,396 |
| Assets per employee ($millions) | 22.8254% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8386% | 3,901 |
| Loan loss allowance to noncurrent loans | 24.9546% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.4466% | 263 |
| Noncurrent loans to loans | 3.3607% | 113 |
| Net loans and leases to total assets | 42.6800% | 3,965 |
| Net loans and leases to deposits | 54.9446% | 3,753 |
| Net loans and leases to core deposits | 54.9446% | 3,901 |
| Total domestic deposits to total assets | 77.6900% | 3,855 |
| Equity capital to assets | 20.9538% | 264 |
| Core capital (leverage) ratio | 20.9971% | 241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.7389% | 108 |
| Memoranda: | ||
| Average total assets | $118,027,750 | 3,674 |
| Average earning assets | $109,791,750 | 3,659 |
| Average equity | $23,791,250 | 2,580 |
| Average total loans | $47,329,250 | 3,891 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8920% | 3,884 |
| Cost of funding earning assets | 2.0117% | 484 |
| Net interest margin | 1.8803% | 4,522 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 1.1263% | 4,528 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.3513% | 4,088 |
| Return on assets (ROA) | 0.3738% | 4,062 |
| Pretax return on assets | 0.6235% | 3,750 |
| Return on Equity (ROE) | 1.8800% | 4,286 |
| Retained earnings to average equity (ytd only) | 1.8779% | 3,749 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.4860% | 2,893 |
| Assets per employee ($millions) | 23.3026% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9067% | 3,766 |
| Loan loss allowance to noncurrent loans | 26.7606% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.4016% | 265 |
| Noncurrent loans to loans | 3.3882% | 119 |
| Net loans and leases to total assets | 40.9900% | 4,004 |
| Net loans and leases to deposits | 52.3685% | 3,825 |
| Net loans and leases to core deposits | 52.3685% | 3,937 |
| Total domestic deposits to total assets | 78.2700% | 3,813 |
| Equity capital to assets | 20.4424% | 272 |
| Core capital (leverage) ratio | 20.4745% | 245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.7210% | 102 |
| Memoranda: | ||
| Average total assets | $119,328,000 | 3,685 |
| Average earning assets | $111,150,333 | 3,661 |
| Average equity | $23,750,333 | 2,581 |
| Average total loans | $46,730,000 | 3,910 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8085% | 3,842 |
| Cost of funding earning assets | 1.8083% | 444 |
| Net interest margin | 2.0002% | 4,565 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 1.0730% | 4,610 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.7367% | 3,377 |
| Return on assets (ROA) | 0.7484% | 3,301 |
| Pretax return on assets | 0.8379% | 3,372 |
| Return on Equity (ROE) | 3.8000% | 4,072 |
| Retained earnings to average equity (ytd only) | 3.8022% | 3,325 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.3624% | 3,569 |
| Assets per employee ($millions) | 23.8498% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5306% | 4,417 |
| Loan loss allowance to noncurrent loans | 16.7350% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.2277% | 292 |
| Noncurrent loans to loans | 3.1708% | 138 |
| Net loans and leases to total assets | 38.5100% | 4,097 |
| Net loans and leases to deposits | 48.9251% | 3,931 |
| Net loans and leases to core deposits | 48.9251% | 4,022 |
| Total domestic deposits to total assets | 78.7200% | 3,921 |
| Equity capital to assets | 20.0639% | 231 |
| Core capital (leverage) ratio | 19.9575% | 264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.8315% | 104 |
| Memoranda: | ||
| Average total assets | $120,783,000 | 3,716 |
| Average earning assets | $112,589,500 | 3,691 |
| Average equity | $23,775,500 | 2,614 |
| Average total loans | $45,997,000 | 3,959 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8751% | 4,261 |
| Cost of funding earning assets | 0.7240% | 526 |
| Net interest margin | 2.1510% | 4,497 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 1.3420% | 4,543 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7198% | 3,566 |
| Return on assets (ROA) | 0.7198% | 3,507 |
| Pretax return on assets | 0.7206% | 3,811 |
| Return on Equity (ROE) | 3.8800% | 4,178 |
| Retained earnings to average equity (ytd only) | 3.8766% | 3,439 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.0640% | 2,355 |
| Assets per employee ($millions) | 24.4634% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8707% | 3,870 |
| Loan loss allowance to noncurrent loans | 27.1429% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.2018% | 317 |
| Noncurrent loans to loans | 3.2080% | 129 |
| Net loans and leases to total assets | 37.1400% | 4,173 |
| Net loans and leases to deposits | 46.6802% | 4,022 |
| Net loans and leases to core deposits | 46.6802% | 4,092 |
| Total domestic deposits to total assets | 79.5500% | 3,942 |
| Equity capital to assets | 19.3146% | 242 |
| Core capital (leverage) ratio | 19.2345% | 289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.6842% | 97 |
| Memoranda: | ||
| Average total assets | $125,034,800 | 3,688 |
| Average earning assets | $113,806,200 | 3,689 |
| Average equity | $23,216,200 | 2,685 |
| Average total loans | $45,211,000 | 3,973 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6958% | 4,296 |
| Cost of funding earning assets | 0.4827% | 827 |
| Net interest margin | 2.2131% | 4,457 |
| Noninterest income to average assets | 0.0400% | 4,631 |
| Noninterest expense to average assets | 1.0182% | 4,670 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8559% | 3,042 |
| Return on assets (ROA) | 0.8559% | 3,021 |
| Pretax return on assets | 1.0298% | 2,938 |
| Return on Equity (ROE) | 4.6600% | 4,047 |
| Retained earnings to average equity (ytd only) | 4.6551% | 3,216 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 49.7152% | 4,177 |
| Assets per employee ($millions) | 24.9332% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8752% | 3,932 |
| Loan loss allowance to noncurrent loans | 26.2327% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 1.2201% | 333 |
| Noncurrent loans to loans | 3.3364% | 137 |
| Net loans and leases to total assets | 36.2500% | 4,215 |
| Net loans and leases to deposits | 45.2419% | 4,057 |
| Net loans and leases to core deposits | 45.2419% | 4,140 |
| Total domestic deposits to total assets | 80.1200% | 4,087 |
| Equity capital to assets | 18.8760% | 245 |
| Core capital (leverage) ratio | 18.8926% | 280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.3254% | 104 |
| Memoranda: | ||
| Average total assets | $125,714,250 | 3,702 |
| Average earning assets | $113,805,750 | 3,714 |
| Average equity | $23,114,000 | 2,732 |
| Average total loans | $45,058,000 | 3,998 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4306% | 4,439 |
| Cost of funding earning assets | 0.3122% | 1,602 |
| Net interest margin | 2.1184% | 4,504 |
| Noninterest income to average assets | 0.0428% | 4,653 |
| Noninterest expense to average assets | 1.0074% | 4,693 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7472% | 3,149 |
| Return on assets (ROA) | 0.7472% | 3,103 |
| Pretax return on assets | 0.9408% | 2,924 |
| Return on Equity (ROE) | 4.1002% | 4,013 |
| Retained earnings to average equity (ytd only) | 4.1002% | 3,048 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7101% | 4,149 |
| Assets per employee ($millions) | 25.4340% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8877% | 3,989 |
| Loan loss allowance to noncurrent loans | 32.9480% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 0.9523% | 508 |
| Noncurrent loans to loans | 2.6941% | 204 |
| Net loans and leases to total assets | 35.0326% | 4,291 |
| Net loans and leases to deposits | 43.3161% | 4,143 |
| Net loans and leases to core deposits | 43.3161% | 4,211 |
| Total domestic deposits to total assets | 80.8768% | 4,145 |
| Equity capital to assets | 18.2402% | 216 |
| Core capital (leverage) ratio | 18.3020% | 259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.1718% | 65 |
| Memoranda: | ||
| Average total assets | $126,063,667 | 3,741 |
| Average earning assets | $113,388,000 | 3,773 |
| Average equity | $22,974,667 | 2,820 |
| Average total loans | $44,881,333 | 4,050 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2104% | 4,523 |
| Cost of funding earning assets | 0.2225% | 2,498 |
| Net interest margin | 1.9879% | 4,523 |
| Noninterest income to average assets | 0.1020% | 4,496 |
| Noninterest expense to average assets | 1.0328% | 4,711 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7013% | 3,054 |
| Return on assets (ROA) | 0.7013% | 3,046 |
| Pretax return on assets | 0.8352% | 2,994 |
| Return on Equity (ROE) | 3.8537% | 3,919 |
| Retained earnings to average equity (ytd only) | 3.8537% | 2,992 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2901% | 3,938 |
| Assets per employee ($millions) | 25.1432% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8999% | 4,045 |
| Loan loss allowance to noncurrent loans | 33.3333% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 0.9521% | 544 |
| Noncurrent loans to loans | 2.6998% | 214 |
| Net loans and leases to total assets | 34.9502% | 4,265 |
| Net loans and leases to deposits | 43.2146% | 4,105 |
| Net loans and leases to core deposits | 43.2146% | 4,189 |
| Total domestic deposits to total assets | 80.8759% | 4,212 |
| Equity capital to assets | 18.2515% | 219 |
| Core capital (leverage) ratio | 18.4328% | 230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.0978% | 68 |
| Memoranda: | ||
| Average total assets | $125,481,500 | 3,769 |
| Average earning assets | $111,474,500 | 3,803 |
| Average equity | $22,835,000 | 2,920 |
| Average total loans | $44,847,500 | 4,061 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5296% | 4,458 |
| Cost of funding earning assets | 0.3180% | 2,215 |
| Net interest margin | 2.2116% | 4,477 |
| Noninterest income to average assets | 0.1002% | 4,602 |
| Noninterest expense to average assets | 1.1101% | 4,735 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8234% | 3,262 |
| Return on assets (ROA) | 0.8234% | 3,333 |
| Pretax return on assets | 0.8529% | 3,616 |
| Return on Equity (ROE) | 4.5215% | 4,101 |
| Retained earnings to average equity (ytd only) | 4.5215% | 2,993 |
| Net charge-offs to loans | 0.0022% | 2,550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1,038.0000% | 143 |
| Efficiency ratio | 56.5509% | 3,638 |
| Assets per employee ($millions) | 25.0494% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8797% | 4,113 |
| Loan loss allowance to noncurrent loans | 31.1719% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 1.0220% | 535 |
| Noncurrent loans to loans | 2.8220% | 218 |
| Net loans and leases to total assets | 35.8963% | 4,290 |
| Net loans and leases to deposits | 44.3199% | 4,159 |
| Net loans and leases to core deposits | 44.3199% | 4,255 |
| Total domestic deposits to total assets | 80.9936% | 4,108 |
| Equity capital to assets | 18.1441% | 253 |
| Core capital (leverage) ratio | 18.2561% | 240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.3148% | 70 |
| Memoranda: | ||
| Average total assets | $121,697,400 | 3,780 |
| Average earning assets | $102,505,800 | 3,879 |
| Average equity | $22,161,000 | 3,049 |
| Average total loans | $45,414,800 | 4,078 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6401% | 4,468 |
| Cost of funding earning assets | 0.3491% | 2,120 |
| Net interest margin | 2.2910% | 4,499 |
| Noninterest income to average assets | 0.1071% | 4,643 |
| Noninterest expense to average assets | 1.1577% | 4,799 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7074% | 3,747 |
| Return on assets (ROA) | 0.7074% | 3,816 |
| Pretax return on assets | 0.8542% | 3,787 |
| Return on Equity (ROE) | 3.8812% | 4,319 |
| Retained earnings to average equity (ytd only) | 3.8812% | 3,611 |
| Net charge-offs to loans | 0.0029% | 2,245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 774.0000% | 206 |
| Efficiency ratio | 57.5425% | 3,345 |
| Assets per employee ($millions) | 24.9380% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8696% | 4,228 |
| Loan loss allowance to noncurrent loans | 33.6709% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 0.9504% | 710 |
| Noncurrent loans to loans | 2.5827% | 281 |
| Net loans and leases to total assets | 36.4769% | 4,365 |
| Net loans and leases to deposits | 44.9877% | 4,278 |
| Net loans and leases to core deposits | 44.9877% | 4,353 |
| Total domestic deposits to total assets | 81.0819% | 4,082 |
| Equity capital to assets | 17.9357% | 277 |
| Core capital (leverage) ratio | 17.9834% | 260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.2517% | 83 |
| Memoranda: | ||
| Average total assets | $120,810,000 | 3,833 |
| Average earning assets | $100,446,500 | 3,950 |
| Average equity | $22,020,000 | 3,086 |
| Average total loans | $45,429,000 | 4,135 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7243% | 4,430 |
| Cost of funding earning assets | 0.4104% | 1,798 |
| Net interest margin | 2.3139% | 4,506 |
| Noninterest income to average assets | 0.1088% | 4,658 |
| Noninterest expense to average assets | 1.2233% | 4,817 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6158% | 3,948 |
| Return on assets (ROA) | 0.6158% | 4,004 |
| Pretax return on assets | 0.7631% | 3,937 |
| Return on Equity (ROE) | 3.3599% | 4,422 |
| Retained earnings to average equity (ytd only) | 3.3599% | 3,732 |
| Net charge-offs to loans | 0.0044% | 1,993 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 456.0000% | 283 |
| Efficiency ratio | 61.5838% | 2,787 |
| Assets per employee ($millions) | 20.6300% | 89 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 4,218 |
| Loan loss allowance to noncurrent loans | 24.2406% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.3298% | 476 |
| Noncurrent loans to loans | 3.6155% | 171 |
| Net loans and leases to total assets | 36.4574% | 4,445 |
| Net loans and leases to deposits | 44.9016% | 4,354 |
| Net loans and leases to core deposits | 44.9016% | 4,433 |
| Total domestic deposits to total assets | 81.1941% | 4,064 |
| Equity capital to assets | 17.8470% | 279 |
| Core capital (leverage) ratio | 17.8720% | 268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.7478% | 84 |
| Memoranda: | ||
| Average total assets | $119,516,667 | 3,861 |
| Average earning assets | $96,978,000 | 4,002 |
| Average equity | $21,905,333 | 3,098 |
| Average total loans | $45,278,000 | 4,170 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7271% | 4,452 |
| Cost of funding earning assets | 0.4793% | 1,524 |
| Net interest margin | 2.2478% | 4,570 |
| Noninterest income to average assets | 0.1125% | 4,633 |
| Noninterest expense to average assets | 1.2199% | 4,854 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6100% | 3,913 |
| Return on assets (ROA) | 0.6100% | 3,979 |
| Pretax return on assets | 0.7463% | 3,919 |
| Return on Equity (ROE) | 3.2825% | 4,420 |
| Retained earnings to average equity (ytd only) | 3.2825% | 3,694 |
| Net charge-offs to loans | 0.0266% | 1,232 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 742 |
| Efficiency ratio | 62.0451% | 2,754 |
| Assets per employee ($millions) | 20.0687% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8752% | 4,228 |
| Loan loss allowance to noncurrent loans | 29.1697% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 1.1303% | 682 |
| Noncurrent loans to loans | 3.0004% | 262 |
| Net loans and leases to total assets | 37.3418% | 4,439 |
| Net loans and leases to deposits | 46.1794% | 4,346 |
| Net loans and leases to core deposits | 46.1794% | 4,431 |
| Total domestic deposits to total assets | 80.8624% | 4,084 |
| Equity capital to assets | 18.1892% | 247 |
| Core capital (leverage) ratio | 18.4253% | 241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.3398% | 83 |
| Memoranda: | ||
| Average total assets | $117,385,000 | 3,888 |
| Average earning assets | $96,805,000 | 4,014 |
| Average equity | $21,812,500 | 3,093 |
| Average total loans | $45,154,000 | 4,184 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9635% | 4,660 |
| Cost of funding earning assets | 0.6076% | 2,258 |
| Net interest margin | 2.3559% | 4,687 |
| Noninterest income to average assets | 0.0992% | 4,747 |
| Noninterest expense to average assets | 1.3559% | 4,858 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8783% | 2,792 |
| Return on assets (ROA) | 0.8783% | 2,930 |
| Pretax return on assets | 0.8217% | 3,576 |
| Return on Equity (ROE) | 4.4602% | 4,039 |
| Retained earnings to average equity (ytd only) | 4.4602% | 2,560 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2658% | 3,080 |
| Assets per employee ($millions) | 19.0597% | 105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8899% | 4,210 |
| Loan loss allowance to noncurrent loans | 44.1501% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 0.7922% | 1,293 |
| Noncurrent loans to loans | 2.0157% | 566 |
| Net loans and leases to total assets | 38.9540% | 4,478 |
| Net loans and leases to deposits | 48.6927% | 4,367 |
| Net loans and leases to core deposits | 48.6927% | 4,468 |
| Total domestic deposits to total assets | 79.9997% | 4,041 |
| Equity capital to assets | 18.9956% | 230 |
| Core capital (leverage) ratio | 19.1894% | 215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.2569% | 75 |
| Memoranda: | ||
| Average total assets | $107,825,800 | 3,900 |
| Average earning assets | $95,123,000 | 3,958 |
| Average equity | $21,232,200 | 3,079 |
| Average total loans | $44,878,400 | 4,207 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0209% | 4,721 |
| Cost of funding earning assets | 0.6543% | 2,304 |
| Net interest margin | 2.3666% | 4,745 |
| Noninterest income to average assets | 0.0929% | 4,781 |
| Noninterest expense to average assets | 1.2581% | 4,921 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9027% | 2,695 |
| Return on assets (ROA) | 0.9027% | 2,821 |
| Pretax return on assets | 0.9467% | 3,242 |
| Return on Equity (ROE) | 4.5413% | 4,017 |
| Retained earnings to average equity (ytd only) | 4.5413% | 2,774 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0615% | 3,788 |
| Assets per employee ($millions) | 18.4923% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9045% | 4,056 |
| Loan loss allowance to noncurrent loans | 47.3373% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 0.7616% | 1,519 |
| Noncurrent loans to loans | 1.9107% | 661 |
| Net loans and leases to total assets | 39.4974% | 4,580 |
| Net loans and leases to deposits | 49.6437% | 4,496 |
| Net loans and leases to core deposits | 49.6437% | 4,588 |
| Total domestic deposits to total assets | 79.5618% | 3,953 |
| Equity capital to assets | 19.3729% | 229 |
| Core capital (leverage) ratio | 19.4775% | 221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.1219% | 78 |
| Memoranda: | ||
| Average total assets | $106,192,750 | 3,915 |
| Average earning assets | $94,759,750 | 3,954 |
| Average equity | $21,109,500 | 3,082 |
| Average total loans | $44,861,250 | 4,227 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1059% | 4,788 |
| Cost of funding earning assets | 0.7548% | 2,085 |
| Net interest margin | 2.3511% | 4,816 |
| Noninterest income to average assets | 0.0937% | 4,801 |
| Noninterest expense to average assets | 1.2561% | 4,959 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8126% | 2,999 |
| Return on assets (ROA) | 0.8126% | 3,118 |
| Pretax return on assets | 0.9636% | 3,137 |
| Return on Equity (ROE) | 4.0513% | 4,086 |
| Retained earnings to average equity (ytd only) | 4.0513% | 2,875 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5891% | 3,877 |
| Assets per employee ($millions) | 17.9377% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8985% | 4,009 |
| Loan loss allowance to noncurrent loans | 27.8940% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 1.3324% | 765 |
| Noncurrent loans to loans | 3.2212% | 274 |
| Net loans and leases to total assets | 40.9910% | 4,568 |
| Net loans and leases to deposits | 51.7744% | 4,457 |
| Net loans and leases to core deposits | 51.7744% | 4,576 |
| Total domestic deposits to total assets | 79.1723% | 4,012 |
| Equity capital to assets | 19.6988% | 223 |
| Core capital (leverage) ratio | 19.8441% | 212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.5452% | 68 |
| Memoranda: | ||
| Average total assets | $104,605,667 | 3,929 |
| Average earning assets | $94,595,000 | 3,959 |
| Average equity | $20,981,000 | 3,081 |
| Average total loans | $45,073,667 | 4,234 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3416% | 4,784 |
| Cost of funding earning assets | 1.0742% | 1,120 |
| Net interest margin | 2.2673% | 4,933 |
| Noninterest income to average assets | 0.0931% | 4,852 |
| Noninterest expense to average assets | 1.2726% | 5,012 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7372% | 3,146 |
| Return on assets (ROA) | 0.7372% | 3,225 |
| Pretax return on assets | 0.8924% | 3,157 |
| Return on Equity (ROE) | 3.6414% | 4,055 |
| Retained earnings to average equity (ytd only) | 3.6414% | 2,826 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7814% | 3,902 |
| Assets per employee ($millions) | 17.3200% | 91 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 4,141 |
| Loan loss allowance to noncurrent loans | 25.8565% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 1.4886% | 720 |
| Noncurrent loans to loans | 3.4454% | 278 |
| Net loans and leases to total assets | 42.8214% | 4,557 |
| Net loans and leases to deposits | 54.4030% | 4,424 |
| Net loans and leases to core deposits | 54.4030% | 4,557 |
| Total domestic deposits to total assets | 78.7115% | 4,105 |
| Equity capital to assets | 20.1751% | 236 |
| Core capital (leverage) ratio | 20.1767% | 235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.3125% | 72 |
| Memoranda: | ||
| Average total assets | $103,095,500 | 3,945 |
| Average earning assets | $94,207,500 | 3,958 |
| Average equity | $20,871,000 | 3,087 |
| Average total loans | $45,352,000 | 4,241 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6723% | 4,707 |
| Cost of funding earning assets | 1.5931% | 310 |
| Net interest margin | 2.0792% | 5,083 |
| Noninterest income to average assets | 0.0779% | 4,978 |
| Noninterest expense to average assets | 1.3394% | 5,061 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5903% | 4,189 |
| Return on assets (ROA) | 0.5903% | 4,246 |
| Pretax return on assets | 0.6497% | 4,324 |
| Return on Equity (ROE) | 2.8265% | 4,691 |
| Retained earnings to average equity (ytd only) | 2.8265% | 3,627 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3364% | 2,555 |
| Assets per employee ($millions) | 17.0372% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8733% | 4,070 |
| Loan loss allowance to noncurrent loans | 32.8677% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 1.1905% | 989 |
| Noncurrent loans to loans | 2.6570% | 391 |
| Net loans and leases to total assets | 44.4166% | 4,586 |
| Net loans and leases to deposits | 56.5050% | 4,439 |
| Net loans and leases to core deposits | 56.5050% | 4,564 |
| Total domestic deposits to total assets | 78.6066% | 4,254 |
| Equity capital to assets | 20.2420% | 246 |
| Core capital (leverage) ratio | 20.2418% | 232 |
| Tier 1 risk-based capital ratio | 52.1932% | 123 |
| Total risk-based capital ratio | 53.2022% | 122 |
| Memoranda: | ||
| Average total assets | $97,584,200 | 4,039 |
| Average earning assets | $89,698,600 | 4,049 |
| Average equity | $20,378,200 | 3,099 |
| Average total loans | $44,829,200 | 4,287 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7245% | 4,755 |
| Cost of funding earning assets | 1.6726% | 224 |
| Net interest margin | 2.0519% | 5,178 |
| Noninterest income to average assets | 0.0802% | 5,047 |
| Noninterest expense to average assets | 1.4063% | 5,109 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5310% | 4,450 |
| Return on assets (ROA) | 0.5310% | 4,501 |
| Pretax return on assets | 0.5669% | 4,595 |
| Return on Equity (ROE) | 2.5221% | 4,835 |
| Retained earnings to average equity (ytd only) | 2.5221% | 4,082 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2684% | 1,927 |
| Assets per employee ($millions) | 16.5462% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8848% | 4,109 |
| Loan loss allowance to noncurrent loans | 25.1414% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 1.6026% | 653 |
| Noncurrent loans to loans | 3.5194% | 227 |
| Net loans and leases to total assets | 45.1333% | 4,648 |
| Net loans and leases to deposits | 57.7998% | 4,481 |
| Net loans and leases to core deposits | 57.7998% | 4,619 |
| Total domestic deposits to total assets | 78.0856% | 4,326 |
| Equity capital to assets | 20.6493% | 232 |
| Core capital (leverage) ratio | 21.1687% | 195 |
| Tier 1 risk-based capital ratio | 52.7358% | 119 |
| Total risk-based capital ratio | 53.7648% | 119 |
| Memoranda: | ||
| Average total assets | $96,424,500 | 4,101 |
| Average earning assets | $88,958,250 | 4,109 |
| Average equity | $20,299,750 | 3,123 |
| Average total loans | $44,585,500 | 4,344 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7537% | 4,766 |
| Cost of funding earning assets | 1.6567% | 224 |
| Net interest margin | 2.0970% | 5,232 |
| Noninterest income to average assets | 0.0817% | 5,094 |
| Noninterest expense to average assets | 1.4538% | 5,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4818% | 4,569 |
| Return on assets (ROA) | 0.4818% | 4,602 |
| Pretax return on assets | 0.5635% | 4,606 |
| Return on Equity (ROE) | 2.2735% | 4,905 |
| Retained earnings to average equity (ytd only) | 2.2735% | 4,027 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0665% | 1,913 |
| Assets per employee ($millions) | 16.2395% | 89 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9032% | 4,074 |
| Loan loss allowance to noncurrent loans | 29.7398% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 1.3804% | 875 |
| Noncurrent loans to loans | 3.0371% | 332 |
| Net loans and leases to total assets | 45.0394% | 4,678 |
| Net loans and leases to deposits | 57.8424% | 4,524 |
| Net loans and leases to core deposits | 57.8424% | 4,652 |
| Total domestic deposits to total assets | 77.8657% | 4,423 |
| Equity capital to assets | 20.8812% | 212 |
| Core capital (leverage) ratio | 21.0095% | 196 |
| Tier 1 risk-based capital ratio | 54.1175% | 114 |
| Total risk-based capital ratio | 55.1814% | 114 |
| Memoranda: | ||
| Average total assets | $95,473,670 | 4,139 |
| Average earning assets | $88,125,330 | 4,146 |
| Average equity | $20,233,000 | 3,127 |
| Average total loans | $44,378,330 | 4,380 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7781% | 4,738 |
| Cost of funding earning assets | 1.6474% | 194 |
| Net interest margin | 2.1306% | 5,296 |
| Noninterest income to average assets | 0.0804% | 5,143 |
| Noninterest expense to average assets | 1.4943% | 5,173 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5122% | 4,486 |
| Return on assets (ROA) | 0.5122% | 4,509 |
| Pretax return on assets | 0.5461% | 4,600 |
| Return on Equity (ROE) | 2.3988% | 4,911 |
| Retained earnings to average equity (ytd only) | 2.3988% | 3,956 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2365% | 1,853 |
| Assets per employee ($millions) | 15.9117% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8962% | 4,174 |
| Loan loss allowance to noncurrent loans | 32.4939% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 1.2894% | 1,019 |
| Noncurrent loans to loans | 2.7579% | 430 |
| Net loans and leases to total assets | 46.3339% | 4,654 |
| Net loans and leases to deposits | 59.7318% | 4,425 |
| Net loans and leases to core deposits | 59.7318% | 4,572 |
| Total domestic deposits to total assets | 77.5699% | 4,581 |
| Equity capital to assets | 21.1972% | 191 |
| Core capital (leverage) ratio | 21.3725% | 185 |
| Tier 1 risk-based capital ratio | 54.5633% | 111 |
| Total risk-based capital ratio | 55.6418% | 111 |
| Memoranda: | ||
| Average total assets | $94,492,000 | 4,189 |
| Average earning assets | $86,923,000 | 4,203 |
| Average equity | $20,176,500 | 3,145 |
| Average total loans | $44,425,000 | 4,426 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6485% | 4,743 |
| Cost of funding earning assets | 1.1310% | 456 |
| Net interest margin | 2.5175% | 5,209 |
| Noninterest income to average assets | 0.1133% | 5,105 |
| Noninterest expense to average assets | 1.5376% | 5,205 |
| Loan and lease loss provision to assets | 0.0085% | 3,958 |
| Net operating income to assets | 0.9061% | 3,421 |
| Return on assets (ROA) | 0.9061% | 3,408 |
| Pretax return on assets | 0.9264% | 3,825 |
| Return on Equity (ROE) | 4.3086% | 4,626 |
| Retained earnings to average equity (ytd only) | 4.3086% | 3,178 |
| Net charge-offs to loans | 0.0182% | 3,090 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 109.3750% | 696 |
| Efficiency ratio | 62.1867% | 3,489 |
| Assets per employee ($millions) | 15.5857% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9047% | 4,137 |
| Loan loss allowance to noncurrent loans | 32.2841% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 1.3249% | 954 |
| Noncurrent loans to loans | 2.8022% | 391 |
| Net loans and leases to total assets | 46.8539% | 4,703 |
| Net loans and leases to deposits | 60.6637% | 4,446 |
| Net loans and leases to core deposits | 60.6637% | 4,601 |
| Total domestic deposits to total assets | 77.2355% | 4,597 |
| Equity capital to assets | 21.5112% | 180 |
| Core capital (leverage) ratio | 21.6183% | 175 |
| Tier 1 risk-based capital ratio | 55.2896% | 103 |
| Total risk-based capital ratio | 56.3890% | 103 |
| Memoranda: | ||
| Average total assets | $93,586,000 | 4,205 |
| Average earning assets | $87,706,200 | 4,192 |
| Average equity | $19,681,600 | 3,111 |
| Average total loans | $43,869,000 | 4,452 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6086% | 4,787 |
| Cost of funding earning assets | 1.0276% | 527 |
| Net interest margin | 2.5811% | 5,231 |
| Noninterest income to average assets | 0.1125% | 5,164 |
| Noninterest expense to average assets | 1.5540% | 5,243 |
| Loan and lease loss provision to assets | 0.0071% | 3,831 |
| Net operating income to assets | 0.8632% | 3,688 |
| Return on assets (ROA) | 0.8632% | 3,692 |
| Pretax return on assets | 0.9771% | 3,790 |
| Return on Equity (ROE) | 4.1280% | 4,792 |
| Retained earnings to average equity (ytd only) | 4.1280% | 3,709 |
| Net charge-offs to loans | 0.0244% | 2,641 |
| Credit loss provision to net charge-offs | 62.5000% | 2,718 |
| Earnings coverage of net charge-offs (x) | 86.3458% | 843 |
| Efficiency ratio | 61.2233% | 3,628 |
| Assets per employee ($millions) | 15.5043% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8896% | 4,304 |
| Loan loss allowance to noncurrent loans | 24.0024% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 1.7780% | 663 |
| Noncurrent loans to loans | 3.7064% | 248 |
| Net loans and leases to total assets | 47.5437% | 4,734 |
| Net loans and leases to deposits | 61.5124% | 4,470 |
| Net loans and leases to core deposits | 61.5124% | 4,637 |
| Total domestic deposits to total assets | 77.2913% | 4,599 |
| Equity capital to assets | 21.3628% | 182 |
| Core capital (leverage) ratio | 21.4195% | 183 |
| Tier 1 risk-based capital ratio | 54.2578% | 109 |
| Total risk-based capital ratio | 55.3417% | 109 |
| Memoranda: | ||
| Average total assets | $93,604,000 | 4,248 |
| Average earning assets | $87,971,750 | 4,225 |
| Average equity | $19,573,000 | 3,147 |
| Average total loans | $43,782,500 | 4,506 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5429% | 4,860 |
| Cost of funding earning assets | 0.9215% | 666 |
| Net interest margin | 2.6215% | 5,261 |
| Noninterest income to average assets | 0.1109% | 5,231 |
| Noninterest expense to average assets | 1.5736% | 5,289 |
| Loan and lease loss provision to assets | 0.0107% | 3,642 |
| Net operating income to assets | 0.8550% | 3,650 |
| Return on assets (ROA) | 0.8550% | 3,651 |
| Pretax return on assets | 0.9894% | 3,697 |
| Return on Equity (ROE) | 4.1185% | 4,786 |
| Retained earnings to average equity (ytd only) | 4.1185% | 3,550 |
| Net charge-offs to loans | 0.0230% | 2,408 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 93.8000% | 727 |
| Efficiency ratio | 61.1433% | 3,747 |
| Assets per employee ($millions) | 15.5888% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9027% | 4,332 |
| Loan loss allowance to noncurrent loans | 30.1432% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 1.4188% | 962 |
| Noncurrent loans to loans | 2.9947% | 380 |
| Net loans and leases to total assets | 46.9471% | 4,770 |
| Net loans and leases to deposits | 60.4177% | 4,507 |
| Net loans and leases to core deposits | 60.4177% | 4,682 |
| Total domestic deposits to total assets | 77.7041% | 4,636 |
| Equity capital to assets | 21.0279% | 188 |
| Core capital (leverage) ratio | 21.0121% | 187 |
| Tier 1 risk-based capital ratio | 53.0994% | 117 |
| Total risk-based capital ratio | 54.1793% | 114 |
| Memoranda: | ||
| Average total assets | $93,796,670 | 4,284 |
| Average earning assets | $88,119,000 | 4,252 |
| Average equity | $19,473,000 | 3,174 |
| Average total loans | $43,501,670 | 4,555 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5703% | 4,763 |
| Cost of funding earning assets | 0.8222% | 862 |
| Net interest margin | 2.7482% | 5,212 |
| Noninterest income to average assets | 0.1107% | 5,288 |
| Noninterest expense to average assets | 1.6268% | 5,311 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9241% | 3,186 |
| Return on assets (ROA) | 0.9241% | 3,202 |
| Pretax return on assets | 1.0604% | 3,312 |
| Return on Equity (ROE) | 4.4799% | 4,641 |
| Retained earnings to average equity (ytd only) | 4.4799% | 3,406 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5388% | 3,996 |
| Assets per employee ($millions) | 15.5865% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9266% | 4,325 |
| Loan loss allowance to noncurrent loans | 34.9650% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 1.2233% | 1,239 |
| Noncurrent loans to loans | 2.6502% | 488 |
| Net loans and leases to total assets | 45.7308% | 4,805 |
| Net loans and leases to deposits | 58.6532% | 4,557 |
| Net loans and leases to core deposits | 58.6532% | 4,718 |
| Total domestic deposits to total assets | 77.9681% | 4,733 |
| Equity capital to assets | 20.8343% | 187 |
| Core capital (leverage) ratio | 20.7418% | 189 |
| Tier 1 risk-based capital ratio | 52.9961% | 115 |
| Total risk-based capital ratio | 54.0840% | 114 |
| Memoranda: | ||
| Average total assets | $93,928,500 | 4,329 |
| Average earning assets | $88,059,000 | 4,298 |
| Average equity | $19,375,500 | 3,211 |
| Average total loans | $43,097,000 | 4,609 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4157% | 4,920 |
| Cost of funding earning assets | 0.6271% | 1,427 |
| Net interest margin | 2.7886% | 5,179 |
| Noninterest income to average assets | 0.1142% | 5,356 |
| Noninterest expense to average assets | 1.4051% | 5,518 |
| Loan and lease loss provision to assets | 0.0352% | 3,566 |
| Net operating income to assets | 1.0007% | 2,241 |
| Return on assets (ROA) | 1.0007% | 2,277 |
| Pretax return on assets | 1.2877% | 2,403 |
| Return on Equity (ROE) | 4.9767% | 4,167 |
| Retained earnings to average equity (ytd only) | 4.9767% | 2,139 |
| Net charge-offs to loans | 0.4277% | 572 |
| Credit loss provision to net charge-offs | 18.0328% | 3,625 |
| Earnings coverage of net charge-offs (x) | 6.7760% | 3,138 |
| Efficiency ratio | 51.5057% | 5,138 |
| Assets per employee ($millions) | 15.7230% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9296% | 4,318 |
| Loan loss allowance to noncurrent loans | 22.0022% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 1.9271% | 605 |
| Noncurrent loans to loans | 4.2253% | 215 |
| Net loans and leases to total assets | 45.1854% | 4,930 |
| Net loans and leases to deposits | 57.6243% | 4,707 |
| Net loans and leases to core deposits | 57.6243% | 4,867 |
| Total domestic deposits to total assets | 78.4138% | 4,651 |
| Equity capital to assets | 20.4234% | 192 |
| Core capital (leverage) ratio | 20.5875% | 187 |
| Tier 1 risk-based capital ratio | 52.9517% | 107 |
| Total risk-based capital ratio | 54.0510% | 107 |
| Memoranda: | ||
| Average total assets | $93,730,400 | 4,352 |
| Average earning assets | $87,859,000 | 4,337 |
| Average equity | $18,847,800 | 3,259 |
| Average total loans | $42,790,000 | 4,652 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4110% | 4,952 |
| Cost of funding earning assets | 0.5586% | 1,823 |
| Net interest margin | 2.8524% | 5,155 |
| Noninterest income to average assets | 0.1140% | 5,427 |
| Noninterest expense to average assets | 1.4547% | 5,551 |
| Loan and lease loss provision to assets | 0.0470% | 3,162 |
| Net operating income to assets | 1.1541% | 1,861 |
| Return on assets (ROA) | 1.1541% | 1,906 |
| Pretax return on assets | 1.2894% | 2,544 |
| Return on Equity (ROE) | 5.7620% | 4,222 |
| Retained earnings to average equity (ytd only) | 5.7620% | 2,395 |
| Net charge-offs to loans | 0.5710% | 350 |
| Credit loss provision to net charge-offs | 18.0328% | 3,172 |
| Earnings coverage of net charge-offs (x) | 5.1258% | 3,148 |
| Efficiency ratio | 52.1184% | 5,089 |
| Assets per employee ($millions) | 15.5625% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9360% | 4,403 |
| Loan loss allowance to noncurrent loans | 21.8938% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 1.9566% | 674 |
| Noncurrent loans to loans | 4.2750% | 218 |
| Net loans and leases to total assets | 45.3408% | 4,970 |
| Net loans and leases to deposits | 57.9689% | 4,761 |
| Net loans and leases to core deposits | 57.9689% | 4,914 |
| Total domestic deposits to total assets | 78.2158% | 4,692 |
| Equity capital to assets | 20.4969% | 208 |
| Core capital (leverage) ratio | 20.6046% | 190 |
| Tier 1 risk-based capital ratio | 53.0284% | 109 |
| Total risk-based capital ratio | 54.1367% | 108 |
| Memoranda: | ||
| Average total assets | $93,578,500 | 4,396 |
| Average earning assets | $87,831,250 | 4,379 |
| Average equity | $18,743,000 | 3,298 |
| Average total loans | $42,730,750 | 4,696 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4202% | 4,938 |
| Cost of funding earning assets | 0.5234% | 1,978 |
| Net interest margin | 2.8968% | 5,101 |
| Noninterest income to average assets | 0.1132% | 5,470 |
| Noninterest expense to average assets | 1.4331% | 5,609 |
| Loan and lease loss provision to assets | 0.0705% | 2,563 |
| Net operating income to assets | 1.1939% | 1,617 |
| Return on assets (ROA) | 1.1939% | 1,650 |
| Pretax return on assets | 1.3284% | 2,274 |
| Return on Equity (ROE) | 6.0072% | 4,044 |
| Retained earnings to average equity (ytd only) | 6.0072% | 2,111 |
| Net charge-offs to loans | 0.8566% | 226 |
| Credit loss provision to net charge-offs | 18.0328% | 2,800 |
| Earnings coverage of net charge-offs (x) | 3.5792% | 3,027 |
| Efficiency ratio | 50.6033% | 5,270 |
| Assets per employee ($millions) | 15.5280% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9493% | 4,423 |
| Loan loss allowance to noncurrent loans | 25.2207% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 1.7023% | 842 |
| Noncurrent loans to loans | 3.7641% | 276 |
| Net loans and leases to total assets | 44.7954% | 5,007 |
| Net loans and leases to deposits | 57.0704% | 4,799 |
| Net loans and leases to core deposits | 57.0704% | 4,949 |
| Total domestic deposits to total assets | 78.4915% | 4,734 |
| Equity capital to assets | 20.2731% | 214 |
| Core capital (leverage) ratio | 20.0814% | 205 |
| Tier 1 risk-based capital ratio | 52.9714% | 104 |
| Total risk-based capital ratio | 54.0932% | 104 |
| Memoranda: | ||
| Average total assets | $93,646,330 | 4,424 |
| Average earning assets | $87,889,000 | 4,399 |
| Average equity | $18,611,000 | 3,317 |
| Average total loans | $42,728,670 | 4,724 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3723% | 4,989 |
| Cost of funding earning assets | 0.4193% | 2,820 |
| Net interest margin | 2.9531% | 4,991 |
| Noninterest income to average assets | 0.1108% | 5,555 |
| Noninterest expense to average assets | 1.5125% | 5,626 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2228% | 1,451 |
| Return on assets (ROA) | 1.2228% | 1,490 |
| Pretax return on assets | 1.3591% | 2,034 |
| Return on Equity (ROE) | 6.2146% | 3,802 |
| Retained earnings to average equity (ytd only) | 6.2146% | 2,228 |
| Net charge-offs to loans | 0.0558% | 1,773 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 53.1667% | 867 |
| Efficiency ratio | 52.6706% | 5,235 |
| Assets per employee ($millions) | 15.6570% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 2,632 |
| Loan loss allowance to noncurrent loans | 25.0923% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 2.3078% | 527 |
| Noncurrent loans to loans | 5.1036% | 156 |
| Net loans and leases to total assets | 44.6403% | 5,004 |
| Net loans and leases to deposits | 56.4932% | 4,786 |
| Net loans and leases to core deposits | 56.4932% | 4,954 |
| Total domestic deposits to total assets | 79.0190% | 4,820 |
| Equity capital to assets | 19.8165% | 217 |
| Core capital (leverage) ratio | 19.7923% | 205 |
| Tier 1 risk-based capital ratio | 52.1544% | 114 |
| Total risk-based capital ratio | 53.4067% | 114 |
| Memoranda: | ||
| Average total assets | $93,885,500 | 4,461 |
| Average earning assets | $87,773,500 | 4,447 |
| Average equity | $18,472,500 | 3,349 |
| Average total loans | $43,025,500 | 4,749 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3040% | 5,153 |
| Cost of funding earning assets | 0.4203% | 2,805 |
| Net interest margin | 2.8837% | 5,164 |
| Noninterest income to average assets | 0.1112% | 5,613 |
| Noninterest expense to average assets | 1.3984% | 5,769 |
| Loan and lease loss provision to assets | 0.0321% | 3,711 |
| Net operating income to assets | 1.2220% | 1,432 |
| Return on assets (ROA) | 1.2220% | 1,522 |
| Pretax return on assets | 1.4091% | 1,909 |
| Return on Equity (ROE) | 6.3830% | 3,799 |
| Retained earnings to average equity (ytd only) | 6.3830% | 1,508 |
| Net charge-offs to loans | 0.0689% | 2,714 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 44.9333% | 1,083 |
| Efficiency ratio | 49.2470% | 5,518 |
| Assets per employee ($millions) | 15.6635% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9180% | 4,706 |
| Loan loss allowance to noncurrent loans | 21.6567% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 1.9653% | 707 |
| Noncurrent loans to loans | 4.2391% | 230 |
| Net loans and leases to total assets | 45.9359% | 5,017 |
| Net loans and leases to deposits | 58.0115% | 4,783 |
| Net loans and leases to core deposits | 58.0115% | 4,963 |
| Total domestic deposits to total assets | 79.1841% | 4,755 |
| Equity capital to assets | 19.6635% | 215 |
| Core capital (leverage) ratio | 19.7539% | 202 |
| Tier 1 risk-based capital ratio | 51.2906% | 127 |
| Total risk-based capital ratio | 52.4008% | 127 |
| Memoranda: | ||
| Average total assets | $93,532,800 | 4,480 |
| Average earning assets | $88,498,200 | 4,424 |
| Average equity | $17,907,000 | 3,420 |
| Average total loans | $43,555,600 | 4,766 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3291% | 5,172 |
| Cost of funding earning assets | 0.4203% | 2,840 |
| Net interest margin | 2.9088% | 5,175 |
| Noninterest income to average assets | 0.0999% | 5,712 |
| Noninterest expense to average assets | 1.4443% | 5,799 |
| Loan and lease loss provision to assets | 0.0428% | 3,376 |
| Net operating income to assets | 1.2331% | 1,505 |
| Return on assets (ROA) | 1.2331% | 1,610 |
| Pretax return on assets | 1.3687% | 2,161 |
| Return on Equity (ROE) | 6.4849% | 3,845 |
| Retained earnings to average equity (ytd only) | 6.4849% | 1,923 |
| Net charge-offs to loans | 0.0918% | 2,038 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 32.9658% | 1,406 |
| Efficiency ratio | 50.5747% | 5,463 |
| Assets per employee ($millions) | 15.5515% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9067% | 4,839 |
| Loan loss allowance to noncurrent loans | 25.3485% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 1.6912% | 1,007 |
| Noncurrent loans to loans | 3.5768% | 350 |
| Net loans and leases to total assets | 46.8529% | 5,034 |
| Net loans and leases to deposits | 59.0744% | 4,817 |
| Net loans and leases to core deposits | 59.0744% | 4,991 |
| Total domestic deposits to total assets | 79.3117% | 4,654 |
| Equity capital to assets | 19.5072% | 242 |
| Core capital (leverage) ratio | 19.5498% | 210 |
| Tier 1 risk-based capital ratio | 49.5643% | 135 |
| Total risk-based capital ratio | 50.6535% | 135 |
| Memoranda: | ||
| Average total assets | $93,420,750 | 4,519 |
| Average earning assets | $88,510,250 | 4,464 |
| Average equity | $17,763,750 | 3,467 |
| Average total loans | $43,551,750 | 4,800 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2940% | 5,300 |
| Cost of funding earning assets | 0.4208% | 2,827 |
| Net interest margin | 2.8732% | 5,309 |
| Noninterest income to average assets | 0.0984% | 5,785 |
| Noninterest expense to average assets | 1.4659% | 5,860 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2155% | 1,544 |
| Return on assets (ROA) | 1.2155% | 1,641 |
| Pretax return on assets | 1.3503% | 2,204 |
| Return on Equity (ROE) | 6.4481% | 3,828 |
| Retained earnings to average equity (ytd only) | 6.4481% | 1,894 |
| Net charge-offs to loans | 0.1384% | 1,496 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 21.0333% | 1,702 |
| Efficiency ratio | 52.0517% | 5,438 |
| Assets per employee ($millions) | 15.5080% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8406% | 5,158 |
| Loan loss allowance to noncurrent loans | 18.9744% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 2.0957% | 762 |
| Noncurrent loans to loans | 4.4301% | 244 |
| Net loans and leases to total assets | 46.9080% | 5,074 |
| Net loans and leases to deposits | 58.8989% | 4,859 |
| Net loans and leases to core deposits | 58.8989% | 5,030 |
| Total domestic deposits to total assets | 79.6417% | 4,639 |
| Equity capital to assets | 19.2438% | 247 |
| Core capital (leverage) ratio | 19.2075% | 221 |
| Tier 1 risk-based capital ratio | 48.0698% | 150 |
| Total risk-based capital ratio | 49.0631% | 150 |
| Memoranda: | ||
| Average total assets | $93,458,000 | 4,547 |
| Average earning assets | $88,403,000 | 4,499 |
| Average equity | $17,617,670 | 3,497 |
| Average total loans | $43,363,000 | 4,848 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2740% | 5,368 |
| Cost of funding earning assets | 0.4251% | 2,811 |
| Net interest margin | 2.8489% | 5,395 |
| Noninterest income to average assets | 0.0982% | 5,826 |
| Noninterest expense to average assets | 1.4990% | 5,911 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1573% | 1,682 |
| Return on assets (ROA) | 1.1573% | 1,798 |
| Pretax return on assets | 1.2897% | 2,350 |
| Return on Equity (ROE) | 6.2037% | 3,873 |
| Retained earnings to average equity (ytd only) | 6.2037% | 2,275 |
| Net charge-offs to loans | 0.2788% | 759 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 10.0667% | 1,946 |
| Efficiency ratio | 53.7519% | 5,404 |
| Assets per employee ($millions) | 15.5562% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8480% | 5,235 |
| Loan loss allowance to noncurrent loans | 16.5994% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 2.3881% | 643 |
| Noncurrent loans to loans | 5.1089% | 184 |
| Net loans and leases to total assets | 46.3482% | 5,092 |
| Net loans and leases to deposits | 57.9000% | 4,859 |
| Net loans and leases to core deposits | 57.9000% | 5,054 |
| Total domestic deposits to total assets | 80.0486% | 4,734 |
| Equity capital to assets | 18.8660% | 265 |
| Core capital (leverage) ratio | 18.8032% | 244 |
| Tier 1 risk-based capital ratio | 47.2941% | 148 |
| Total risk-based capital ratio | 48.2878% | 151 |
| Memoranda: | ||
| Average total assets | $93,663,000 | 4,583 |
| Average earning assets | $88,454,000 | 4,539 |
| Average equity | $17,473,500 | 3,515 |
| Average total loans | $43,036,000 | 4,900 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2202% | 5,492 |
| Cost of funding earning assets | 0.4273% | 2,869 |
| Net interest margin | 2.7930% | 5,525 |
| Noninterest income to average assets | 0.1079% | 5,852 |
| Noninterest expense to average assets | 1.3716% | 6,046 |
| Loan and lease loss provision to assets | 0.0042% | 4,309 |
| Net operating income to assets | 1.1917% | 1,582 |
| Return on assets (ROA) | 1.1917% | 1,660 |
| Pretax return on assets | 1.3747% | 1,999 |
| Return on Equity (ROE) | 6.7048% | 3,682 |
| Retained earnings to average equity (ytd only) | 6.7048% | 1,436 |
| Net charge-offs to loans | 0.0214% | 3,841 |
| Credit loss provision to net charge-offs | 44.4444% | 3,480 |
| Earnings coverage of net charge-offs (x) | 144.7778% | 434 |
| Efficiency ratio | 49.8653% | 5,766 |
| Assets per employee ($millions) | 15.6648% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 4,907 |
| Loan loss allowance to noncurrent loans | 22.0264% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 2.0800% | 830 |
| Noncurrent loans to loans | 4.2788% | 262 |
| Net loans and leases to total assets | 44.7308% | 5,244 |
| Net loans and leases to deposits | 55.5839% | 5,072 |
| Net loans and leases to core deposits | 55.5839% | 5,222 |
| Total domestic deposits to total assets | 80.4743% | 4,617 |
| Equity capital to assets | 18.4468% | 283 |
| Core capital (leverage) ratio | 18.5409% | 261 |
| Tier 1 risk-based capital ratio | 47.3095% | 142 |
| Total risk-based capital ratio | 48.4010% | 142 |
| Memoranda: | ||
| Average total assets | $94,490,400 | 4,570 |
| Average earning assets | $89,403,600 | 4,519 |
| Average equity | $16,794,000 | 3,561 |
| Average total loans | $42,038,600 | 4,931 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2331% | 5,538 |
| Cost of funding earning assets | 0.4287% | 2,924 |
| Net interest margin | 2.8044% | 5,570 |
| Noninterest income to average assets | 0.1085% | 5,923 |
| Noninterest expense to average assets | 1.3655% | 6,120 |
| Loan and lease loss provision to assets | 0.0056% | 4,154 |
| Net operating income to assets | 1.2626% | 1,445 |
| Return on assets (ROA) | 1.2626% | 1,506 |
| Pretax return on assets | 1.3923% | 2,048 |
| Return on Equity (ROE) | 7.1716% | 3,532 |
| Retained earnings to average equity (ytd only) | 7.1716% | 1,613 |
| Net charge-offs to loans | 0.0286% | 3,370 |
| Credit loss provision to net charge-offs | 44.4444% | 3,112 |
| Earnings coverage of net charge-offs (x) | 110.2192% | 575 |
| Efficiency ratio | 49.4136% | 5,808 |
| Assets per employee ($millions) | 15.6002% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 4,947 |
| Loan loss allowance to noncurrent loans | 21.6099% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 2.1250% | 928 |
| Noncurrent loans to loans | 4.4314% | 254 |
| Net loans and leases to total assets | 44.1982% | 5,348 |
| Net loans and leases to deposits | 54.8172% | 5,201 |
| Net loans and leases to core deposits | 54.8172% | 5,369 |
| Total domestic deposits to total assets | 80.6284% | 4,571 |
| Equity capital to assets | 18.2776% | 322 |
| Core capital (leverage) ratio | 18.1868% | 289 |
| Tier 1 risk-based capital ratio | 47.5262% | 157 |
| Total risk-based capital ratio | 48.6374% | 157 |
| Memoranda: | ||
| Average total assets | $94,615,750 | 4,623 |
| Average earning assets | $89,570,000 | 4,567 |
| Average equity | $16,658,000 | 3,606 |
| Average total loans | $41,937,750 | 4,993 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2194% | 5,589 |
| Cost of funding earning assets | 0.4260% | 2,976 |
| Net interest margin | 2.7934% | 5,625 |
| Noninterest income to average assets | 0.1095% | 5,991 |
| Noninterest expense to average assets | 1.3775% | 6,184 |
| Loan and lease loss provision to assets | 0.0084% | 3,942 |
| Net operating income to assets | 1.2427% | 1,483 |
| Return on assets (ROA) | 1.2427% | 1,549 |
| Pretax return on assets | 1.3754% | 2,082 |
| Return on Equity (ROE) | 7.1480% | 3,529 |
| Retained earnings to average equity (ytd only) | 7.1480% | 1,642 |
| Net charge-offs to loans | 0.0429% | 2,844 |
| Credit loss provision to net charge-offs | 44.4444% | 2,764 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 758 |
| Efficiency ratio | 49.8856% | 5,858 |
| Assets per employee ($millions) | 15.7285% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9575% | 5,067 |
| Loan loss allowance to noncurrent loans | 20.2224% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 2.0960% | 1,029 |
| Noncurrent loans to loans | 4.7347% | 268 |
| Net loans and leases to total assets | 43.8450% | 5,388 |
| Net loans and leases to deposits | 54.0113% | 5,254 |
| Net loans and leases to core deposits | 54.0113% | 5,418 |
| Total domestic deposits to total assets | 81.1775% | 4,556 |
| Equity capital to assets | 17.8042% | 355 |
| Core capital (leverage) ratio | 17.7669% | 308 |
| Tier 1 risk-based capital ratio | 47.0473% | 173 |
| Total risk-based capital ratio | 48.1673% | 173 |
| Memoranda: | ||
| Average total assets | $94,954,000 | 4,658 |
| Average earning assets | $90,141,670 | 4,592 |
| Average equity | $16,508,000 | 3,639 |
| Average total loans | $41,993,670 | 5,033 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2304% | 5,599 |
| Cost of funding earning assets | 0.4248% | 3,014 |
| Net interest margin | 2.8056% | 5,628 |
| Noninterest income to average assets | 0.1092% | 6,039 |
| Noninterest expense to average assets | 1.3901% | 6,238 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2515% | 1,403 |
| Return on assets (ROA) | 1.2515% | 1,489 |
| Pretax return on assets | 1.3817% | 1,953 |
| Return on Equity (ROE) | 7.2856% | 3,342 |
| Retained earnings to average equity (ytd only) | 7.2856% | 1,867 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1515% | 5,906 |
| Assets per employee ($millions) | 15.8703% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9597% | 5,203 |
| Loan loss allowance to noncurrent loans | 22.6383% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 1.8788% | 1,293 |
| Noncurrent loans to loans | 4.2392% | 385 |
| Net loans and leases to total assets | 43.8932% | 5,359 |
| Net loans and leases to deposits | 53.7313% | 5,212 |
| Net loans and leases to core deposits | 53.7313% | 5,384 |
| Total domestic deposits to total assets | 81.6902% | 4,613 |
| Equity capital to assets | 17.3384% | 394 |
| Core capital (leverage) ratio | 17.3333% | 331 |
| Tier 1 risk-based capital ratio | 44.6893% | 203 |
| Total risk-based capital ratio | 45.7855% | 202 |
| Memoranda: | ||
| Average total assets | $95,245,500 | 4,686 |
| Average earning assets | $90,391,000 | 4,631 |
| Average equity | $16,361,000 | 3,685 |
| Average total loans | $42,102,000 | 5,065 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0848% | 5,974 |
| Cost of funding earning assets | 0.4358% | 3,326 |
| Net interest margin | 2.6489% | 6,014 |
| Noninterest income to average assets | 0.1052% | 6,134 |
| Noninterest expense to average assets | 1.2941% | 6,399 |
| Loan and lease loss provision to assets | 0.0812% | 2,855 |
| Net operating income to assets | 1.0921% | 2,003 |
| Return on assets (ROA) | 1.0921% | 2,062 |
| Pretax return on assets | 1.2420% | 2,481 |
| Return on Equity (ROE) | 6.6759% | 3,803 |
| Retained earnings to average equity (ytd only) | 6.6759% | 1,557 |
| Net charge-offs to loans | 0.1843% | 2,199 |
| Credit loss provision to net charge-offs | 106.8493% | 2,240 |
| Earnings coverage of net charge-offs (x) | 17.4110% | 1,927 |
| Efficiency ratio | 49.4431% | 6,119 |
| Assets per employee ($millions) | 15.8782% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 5,223 |
| Loan loss allowance to noncurrent loans | 20.8548% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 2.0384% | 1,239 |
| Noncurrent loans to loans | 4.6235% | 353 |
| Net loans and leases to total assets | 43.6637% | 5,486 |
| Net loans and leases to deposits | 53.2591% | 5,385 |
| Net loans and leases to core deposits | 53.2591% | 5,546 |
| Total domestic deposits to total assets | 81.9836% | 4,427 |
| Equity capital to assets | 17.0171% | 414 |
| Core capital (leverage) ratio | 16.9980% | 366 |
| Tier 1 risk-based capital ratio | 44.7895% | 181 |
| Total risk-based capital ratio | 45.9084% | 181 |
| Memoranda: | ||
| Average total assets | $96,053,200 | 4,691 |
| Average earning assets | $91,093,000 | 4,631 |
| Average equity | $15,713,200 | 3,723 |
| Average total loans | $39,605,600 | 5,196 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0710% | 6,067 |
| Cost of funding earning assets | 0.4354% | 3,412 |
| Net interest margin | 2.6356% | 6,093 |
| Noninterest income to average assets | 0.1094% | 6,207 |
| Noninterest expense to average assets | 1.3188% | 6,448 |
| Loan and lease loss provision to assets | 0.0734% | 2,871 |
| Net operating income to assets | 1.1581% | 1,830 |
| Return on assets (ROA) | 1.1581% | 1,893 |
| Pretax return on assets | 1.2163% | 2,713 |
| Return on Equity (ROE) | 7.1504% | 3,636 |
| Retained earnings to average equity (ytd only) | 7.1504% | 1,738 |
| Net charge-offs to loans | 0.2495% | 1,547 |
| Credit loss provision to net charge-offs | 72.6027% | 2,721 |
| Earnings coverage of net charge-offs (x) | 12.7535% | 2,291 |
| Efficiency ratio | 50.5576% | 6,074 |
| Assets per employee ($millions) | 15.9270% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 5,438 |
| Loan loss allowance to noncurrent loans | 18.8119% | 5,941 |
| Noncurrent assets plus other real estate owned to assets | 2.1138% | 1,329 |
| Noncurrent loans to loans | 5.0350% | 360 |
| Net loans and leases to total assets | 41.5845% | 5,709 |
| Net loans and leases to deposits | 50.5347% | 5,616 |
| Net loans and leases to core deposits | 50.5347% | 5,766 |
| Total domestic deposits to total assets | 82.2890% | 4,381 |
| Equity capital to assets | 16.7420% | 466 |
| Core capital (leverage) ratio | 16.7090% | 400 |
| Tier 1 risk-based capital ratio | 44.2609% | 185 |
| Total risk-based capital ratio | 45.3122% | 185 |
| Memoranda: | ||
| Average total assets | $96,249,250 | 4,737 |
| Average earning assets | $91,259,500 | 4,664 |
| Average equity | $15,588,500 | 3,752 |
| Average total loans | $39,006,250 | 5,272 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0936% | 6,068 |
| Cost of funding earning assets | 0.4332% | 3,511 |
| Net interest margin | 2.6604% | 6,100 |
| Noninterest income to average assets | 0.1099% | 6,246 |
| Noninterest expense to average assets | 1.3475% | 6,503 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2334% | 1,496 |
| Return on assets (ROA) | 1.2334% | 1,558 |
| Pretax return on assets | 1.2832% | 2,324 |
| Return on Equity (ROE) | 7.7014% | 3,262 |
| Retained earnings to average equity (ytd only) | 7.7014% | 1,435 |
| Net charge-offs to loans | 0.3779% | 1,075 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 8.4795% | 2,485 |
| Efficiency ratio | 51.2214% | 6,111 |
| Assets per employee ($millions) | 15.9990% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8267% | 5,915 |
| Loan loss allowance to noncurrent loans | 16.4736% | 6,037 |
| Noncurrent assets plus other real estate owned to assets | 2.0678% | 1,528 |
| Noncurrent loans to loans | 5.0181% | 397 |
| Net loans and leases to total assets | 40.8671% | 5,753 |
| Net loans and leases to deposits | 49.4323% | 5,678 |
| Net loans and leases to core deposits | 49.4323% | 5,829 |
| Total domestic deposits to total assets | 82.6729% | 4,425 |
| Equity capital to assets | 16.4156% | 487 |
| Core capital (leverage) ratio | 16.4045% | 418 |
| Tier 1 risk-based capital ratio | 43.7820% | 186 |
| Total risk-based capital ratio | 44.6905% | 191 |
| Memoranda: | ||
| Average total assets | $96,478,330 | 4,761 |
| Average earning assets | $91,413,670 | 4,691 |
| Average equity | $15,451,670 | 3,781 |
| Average total loans | $38,635,330 | 5,324 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0136% | 6,232 |
| Cost of funding earning assets | 0.4324% | 3,621 |
| Net interest margin | 2.5812% | 6,261 |
| Noninterest income to average assets | 0.1075% | 6,306 |
| Noninterest expense to average assets | 1.3813% | 6,570 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1208% | 1,730 |
| Return on assets (ROA) | 1.1208% | 1,795 |
| Pretax return on assets | 1.1704% | 2,614 |
| Return on Equity (ROE) | 7.0857% | 3,424 |
| Retained earnings to average equity (ytd only) | 7.0857% | 1,997 |
| Net charge-offs to loans | 0.7649% | 455 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.8767% | 2,608 |
| Efficiency ratio | 54.1329% | 6,000 |
| Assets per employee ($millions) | 19.3266% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8396% | 6,024 |
| Loan loss allowance to noncurrent loans | 19.3835% | 6,092 |
| Noncurrent assets plus other real estate owned to assets | 1.7458% | 2,018 |
| Noncurrent loans to loans | 4.3313% | 586 |
| Net loans and leases to total assets | 39.9677% | 5,812 |
| Net loans and leases to deposits | 48.0552% | 5,727 |
| Net loans and leases to core deposits | 48.0552% | 5,872 |
| Total domestic deposits to total assets | 83.1703% | 4,544 |
| Equity capital to assets | 15.9718% | 534 |
| Core capital (leverage) ratio | 15.9756% | 483 |
| Tier 1 risk-based capital ratio | 43.2689% | 193 |
| Total risk-based capital ratio | 44.1856% | 196 |
| Memoranda: | ||
| Average total assets | $96,720,500 | 4,804 |
| Average earning assets | $91,584,000 | 4,737 |
| Average equity | $15,298,500 | 3,807 |
| Average total loans | $38,174,500 | 5,388 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9586% | 6,381 |
| Cost of funding earning assets | 0.4668% | 3,943 |
| Net interest margin | 2.4918% | 6,378 |
| Noninterest income to average assets | 0.1052% | 6,371 |
| Noninterest expense to average assets | 1.3235% | 6,674 |
| Loan and lease loss provision to assets | 0.1494% | 2,411 |
| Net operating income to assets | 0.9321% | 2,634 |
| Return on assets (ROA) | 0.9321% | 2,714 |
| Pretax return on assets | 0.9574% | 3,527 |
| Return on Equity (ROE) | 6.0268% | 4,065 |
| Retained earnings to average equity (ytd only) | 6.0268% | 1,951 |
| Net charge-offs to loans | 0.3988% | 1,696 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 7.4085% | 2,852 |
| Efficiency ratio | 54.4589% | 6,094 |
| Assets per employee ($millions) | 16.1347% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0695% | 5,277 |
| Loan loss allowance to noncurrent loans | 23.9378% | 6,097 |
| Noncurrent assets plus other real estate owned to assets | 1.9420% | 1,859 |
| Noncurrent loans to loans | 4.4679% | 593 |
| Net loans and leases to total assets | 38.2200% | 6,075 |
| Net loans and leases to deposits | 45.7841% | 6,029 |
| Net loans and leases to core deposits | 45.7841% | 6,144 |
| Total domestic deposits to total assets | 83.4786% | 4,371 |
| Equity capital to assets | 15.6630% | 579 |
| Core capital (leverage) ratio | 15.7848% | 494 |
| Tier 1 risk-based capital ratio | 43.0327% | 189 |
| Total risk-based capital ratio | 44.1679% | 188 |
| Memoranda: | ||
| Average total assets | $95,051,600 | 4,865 |
| Average earning assets | $88,692,000 | 4,810 |
| Average equity | $14,701,000 | 3,918 |
| Average total loans | $35,608,600 | 5,511 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9828% | 6,436 |
| Cost of funding earning assets | 0.4742% | 4,027 |
| Net interest margin | 2.5087% | 6,419 |
| Noninterest income to average assets | 0.1156% | 6,433 |
| Noninterest expense to average assets | 1.3345% | 6,727 |
| Loan and lease loss provision to assets | 0.2269% | 1,597 |
| Net operating income to assets | 0.8047% | 3,323 |
| Return on assets (ROA) | 0.8047% | 3,457 |
| Pretax return on assets | 0.8878% | 3,938 |
| Return on Equity (ROE) | 5.2196% | 4,615 |
| Retained earnings to average equity (ytd only) | 5.2196% | 2,920 |
| Net charge-offs to loans | 0.6105% | 1,020 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 4.9131% | 3,325 |
| Efficiency ratio | 54.4879% | 6,060 |
| Assets per employee ($millions) | 19.2632% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1664% | 5,038 |
| Loan loss allowance to noncurrent loans | 25.8940% | 6,109 |
| Noncurrent assets plus other real estate owned to assets | 1.9000% | 2,133 |
| Noncurrent loans to loans | 4.5047% | 716 |
| Net loans and leases to total assets | 36.9482% | 6,227 |
| Net loans and leases to deposits | 44.1575% | 6,194 |
| Net loans and leases to core deposits | 44.1575% | 6,296 |
| Total domestic deposits to total assets | 83.6735% | 4,322 |
| Equity capital to assets | 15.4159% | 638 |
| Core capital (leverage) ratio | 15.4568% | 568 |
| Tier 1 risk-based capital ratio | 42.7995% | 205 |
| Total risk-based capital ratio | 44.0101% | 204 |
| Memoranda: | ||
| Average total assets | $94,612,500 | 4,920 |
| Average earning assets | $88,012,500 | 4,870 |
| Average equity | $14,585,500 | 3,991 |
| Average total loans | $35,160,750 | 5,579 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9789% | 6,469 |
| Cost of funding earning assets | 0.4850% | 4,035 |
| Net interest margin | 2.4939% | 6,458 |
| Noninterest income to average assets | 0.1170% | 6,468 |
| Noninterest expense to average assets | 1.3206% | 6,775 |
| Loan and lease loss provision to assets | 0.1531% | 2,403 |
| Net operating income to assets | 0.8783% | 2,920 |
| Return on assets (ROA) | 0.8783% | 3,062 |
| Pretax return on assets | 0.9612% | 3,675 |
| Return on Equity (ROE) | 5.6973% | 4,352 |
| Retained earnings to average equity (ytd only) | 5.6973% | 2,613 |
| Net charge-offs to loans | 0.4129% | 1,569 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 7.2778% | 2,571 |
| Efficiency ratio | 54.2358% | 6,126 |
| Assets per employee ($millions) | 15.9260% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 5,029 |
| Loan loss allowance to noncurrent loans | 25.6098% | 6,159 |
| Noncurrent assets plus other real estate owned to assets | 1.7163% | 2,540 |
| Noncurrent loans to loans | 4.6640% | 736 |
| Net loans and leases to total assets | 36.3588% | 6,278 |
| Net loans and leases to deposits | 43.4027% | 6,259 |
| Net loans and leases to core deposits | 43.4027% | 6,355 |
| Total domestic deposits to total assets | 83.7708% | 4,427 |
| Equity capital to assets | 15.3742% | 643 |
| Core capital (leverage) ratio | 15.4954% | 523 |
| Tier 1 risk-based capital ratio | 43.0973% | 191 |
| Total risk-based capital ratio | 44.3294% | 192 |
| Memoranda: | ||
| Average total assets | $94,044,670 | 4,961 |
| Average earning assets | $87,414,000 | 4,917 |
| Average equity | $14,498,000 | 4,049 |
| Average total loans | $34,878,670 | 5,625 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0341% | 6,475 |
| Cost of funding earning assets | 0.5210% | 3,876 |
| Net interest margin | 2.5130% | 6,494 |
| Noninterest income to average assets | 0.1158% | 6,516 |
| Noninterest expense to average assets | 1.3078% | 6,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0591% | 1,998 |
| Return on assets (ROA) | 1.0591% | 2,116 |
| Pretax return on assets | 1.1448% | 2,790 |
| Return on Equity (ROE) | 6.8604% | 3,565 |
| Retained earnings to average equity (ytd only) | 6.8604% | 2,225 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3217% | 6,273 |
| Assets per employee ($millions) | 15.6422% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 5,139 |
| Loan loss allowance to noncurrent loans | 21.3740% | 6,312 |
| Noncurrent assets plus other real estate owned to assets | 2.0937% | 2,240 |
| Noncurrent loans to loans | 5.6599% | 624 |
| Net loans and leases to total assets | 36.5444% | 6,256 |
| Net loans and leases to deposits | 43.6595% | 6,226 |
| Net loans and leases to core deposits | 43.6595% | 6,326 |
| Total domestic deposits to total assets | 83.7032% | 4,590 |
| Equity capital to assets | 15.4763% | 645 |
| Core capital (leverage) ratio | 15.5092% | 514 |
| Tier 1 risk-based capital ratio | 43.1713% | 194 |
| Total risk-based capital ratio | 44.4197% | 188 |
| Memoranda: | ||
| Average total assets | $93,289,000 | 5,023 |
| Average earning assets | $86,748,000 | 4,968 |
| Average equity | $14,401,500 | 4,114 |
| Average total loans | $34,736,500 | 5,676 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4957% | 6,360 |
| Cost of funding earning assets | 0.7218% | 3,309 |
| Net interest margin | 2.7738% | 6,415 |
| Noninterest income to average assets | 0.1222% | 6,425 |
| Noninterest expense to average assets | 1.2823% | 6,962 |
| Loan and lease loss provision to assets | 0.1574% | 3,651 |
| Net operating income to assets | 1.0456% | 2,139 |
| Return on assets (ROA) | 1.0456% | 2,341 |
| Pretax return on assets | 1.1018% | 3,152 |
| Return on Equity (ROE) | 6.8911% | 3,704 |
| Retained earnings to average equity (ytd only) | 6.8911% | 1,620 |
| Net charge-offs to loans | 0.0658% | 5,028 |
| Credit loss provision to net charge-offs | 621.7391% | 394 |
| Earnings coverage of net charge-offs (x) | 49.7391% | 684 |
| Efficiency ratio | 50.4547% | 6,560 |
| Assets per employee ($millions) | 15.4542% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 5,077 |
| Loan loss allowance to noncurrent loans | 24.5184% | 6,265 |
| Noncurrent assets plus other real estate owned to assets | 1.8474% | 2,643 |
| Noncurrent loans to loans | 4.9288% | 822 |
| Net loans and leases to total assets | 37.0288% | 6,369 |
| Net loans and leases to deposits | 44.1954% | 6,357 |
| Net loans and leases to core deposits | 44.1954% | 6,455 |
| Total domestic deposits to total assets | 83.7843% | 4,410 |
| Equity capital to assets | 15.3982% | 658 |
| Core capital (leverage) ratio | 15.5962% | 495 |
| Tier 1 risk-based capital ratio | 42.3667% | 197 |
| Total risk-based capital ratio | 43.6129% | 192 |
| Memoranda: | ||
| Average total assets | $90,854,000 | 5,064 |
| Average earning assets | $79,241,000 | 5,150 |
| Average equity | $13,785,800 | 4,204 |
| Average total loans | $34,977,200 | 5,716 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6121% | 6,380 |
| Cost of funding earning assets | 0.7327% | 3,492 |
| Net interest margin | 2.8794% | 6,395 |
| Noninterest income to average assets | 0.1195% | 6,541 |
| Noninterest expense to average assets | 1.3394% | 7,024 |
| Loan and lease loss provision to assets | 0.0339% | 5,348 |
| Net operating income to assets | 0.9942% | 2,542 |
| Return on assets (ROA) | 0.9942% | 2,766 |
| Pretax return on assets | 1.2214% | 2,908 |
| Return on Equity (ROE) | 6.5773% | 4,028 |
| Retained earnings to average equity (ytd only) | 6.5773% | 2,342 |
| Net charge-offs to loans | 0.0875% | 4,506 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 36.9951% | 935 |
| Efficiency ratio | 51.6202% | 6,484 |
| Assets per employee ($millions) | 15.2463% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8732% | 6,453 |
| Loan loss allowance to noncurrent loans | 18.0505% | 6,536 |
| Noncurrent assets plus other real estate owned to assets | 1.8168% | 2,892 |
| Noncurrent loans to loans | 4.8376% | 945 |
| Net loans and leases to total assets | 37.2286% | 6,469 |
| Net loans and leases to deposits | 44.4427% | 6,480 |
| Net loans and leases to core deposits | 44.4427% | 6,580 |
| Total domestic deposits to total assets | 83.7677% | 4,331 |
| Equity capital to assets | 15.3064% | 751 |
| Core capital (leverage) ratio | 15.2230% | 574 |
| Tier 1 risk-based capital ratio | 42.1214% | 208 |
| Total risk-based capital ratio | 43.0239% | 210 |
| Memoranda: | ||
| Average total assets | $90,386,250 | 5,128 |
| Average earning assets | $77,700,500 | 5,251 |
| Average equity | $13,662,750 | 4,270 |
| Average total loans | $35,032,750 | 5,795 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7050% | 6,325 |
| Cost of funding earning assets | 0.7490% | 3,610 |
| Net interest margin | 2.9560% | 6,325 |
| Noninterest income to average assets | 0.1200% | 6,585 |
| Noninterest expense to average assets | 1.3552% | 7,072 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0375% | 2,312 |
| Return on assets (ROA) | 1.0375% | 2,533 |
| Pretax return on assets | 1.2375% | 2,774 |
| Return on Equity (ROE) | 6.8932% | 3,838 |
| Retained earnings to average equity (ytd only) | 6.8932% | 2,165 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2708% | 6,476 |
| Assets per employee ($millions) | 15.3183% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8569% | 6,557 |
| Loan loss allowance to noncurrent loans | 19.8807% | 6,519 |
| Noncurrent assets plus other real estate owned to assets | 1.6418% | 3,262 |
| Noncurrent loans to loans | 4.3101% | 1,251 |
| Net loans and leases to total assets | 37.7663% | 6,500 |
| Net loans and leases to deposits | 44.8712% | 6,508 |
| Net loans and leases to core deposits | 44.8712% | 6,626 |
| Total domestic deposits to total assets | 84.1660% | 4,247 |
| Equity capital to assets | 15.0092% | 786 |
| Core capital (leverage) ratio | 15.1429% | 577 |
| Tier 1 risk-based capital ratio | 41.1423% | 210 |
| Total risk-based capital ratio | 42.0370% | 216 |
| Memoranda: | ||
| Average total assets | $90,022,330 | 5,168 |
| Average earning assets | $75,303,670 | 5,347 |
| Average equity | $13,549,670 | 4,291 |
| Average total loans | $35,258,330 | 5,822 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0158% | 5,709 |
| Cost of funding earning assets | 0.7906% | 3,544 |
| Net interest margin | 3.2251% | 5,717 |
| Noninterest income to average assets | 0.1168% | 6,671 |
| Noninterest expense to average assets | 1.4414% | 7,089 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8891% | 2,976 |
| Return on assets (ROA) | 0.8891% | 3,197 |
| Pretax return on assets | 1.2214% | 2,829 |
| Return on Equity (ROE) | 5.8986% | 4,348 |
| Retained earnings to average equity (ytd only) | 5.8986% | 3,020 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1315% | 6,334 |
| Assets per employee ($millions) | 14.9530% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8509% | 6,640 |
| Loan loss allowance to noncurrent loans | 19.2802% | 6,585 |
| Noncurrent assets plus other real estate owned to assets | 1.7343% | 3,255 |
| Noncurrent loans to loans | 4.4132% | 1,334 |
| Net loans and leases to total assets | 38.9643% | 6,426 |
| Net loans and leases to deposits | 46.3265% | 6,405 |
| Net loans and leases to core deposits | 46.3265% | 6,548 |
| Total domestic deposits to total assets | 84.1080% | 4,436 |
| Equity capital to assets | 15.0761% | 733 |
| Core capital (leverage) ratio | 15.1591% | 579 |
| Tier 1 risk-based capital ratio | 40.8702% | 218 |
| Total risk-based capital ratio | 41.7767% | 217 |
| Memoranda: | ||
| Average total assets | $89,078,500 | 5,240 |
| Average earning assets | $70,322,500 | 5,551 |
| Average equity | $13,427,000 | 4,319 |
| Average total loans | $35,382,000 | 5,851 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8639% | 6,658 |
| Cost of funding earning assets | 0.9930% | 3,430 |
| Net interest margin | 2.8709% | 6,735 |
| Noninterest income to average assets | 0.1379% | 6,463 |
| Noninterest expense to average assets | 1.4557% | 7,191 |
| Loan and lease loss provision to assets | 0.0774% | 5,644 |
| Net operating income to assets | 0.9306% | 2,483 |
| Return on assets (ROA) | 0.9596% | 2,495 |
| Pretax return on assets | 1.0431% | 3,064 |
| Return on Equity (ROE) | 6.1511% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.1511% | 1,926 |
| Net charge-offs to loans | 0.0393% | 5,917 |
| Credit loss provision to net charge-offs | 457.1429% | 493 |
| Earnings coverage of net charge-offs (x) | 64.2857% | 460 |
| Efficiency ratio | 57.2040% | 6,165 |
| Assets per employee ($millions) | 14.7398% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8449% | 6,657 |
| Loan loss allowance to noncurrent loans | 13.1810% | 6,771 |
| Noncurrent assets plus other real estate owned to assets | 2.5735% | 2,357 |
| Noncurrent loans to loans | 6.4102% | 739 |
| Net loans and leases to total assets | 39.8082% | 6,552 |
| Net loans and leases to deposits | 47.3657% | 6,541 |
| Net loans and leases to core deposits | 47.3657% | 6,675 |
| Total domestic deposits to total assets | 84.0444% | 4,297 |
| Equity capital to assets | 15.0703% | 765 |
| Core capital (leverage) ratio | 15.3663% | 545 |
| Tier 1 risk-based capital ratio | 40.2732% | 224 |
| Total risk-based capital ratio | 41.1797% | 226 |
| Memoranda: | ||
| Average total assets | $82,641,000 | 5,380 |
| Average earning assets | $69,282,000 | 5,565 |
| Average equity | $12,892,000 | 4,356 |
| Average total loans | $35,580,600 | 5,890 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8558% | 6,781 |
| Cost of funding earning assets | 0.9794% | 3,823 |
| Net interest margin | 2.8764% | 6,789 |
| Noninterest income to average assets | 0.1297% | 6,605 |
| Noninterest expense to average assets | 1.4878% | 7,230 |
| Loan and lease loss provision to assets | 0.0230% | 6,160 |
| Net operating income to assets | 0.7882% | 3,224 |
| Return on assets (ROA) | 0.7882% | 3,387 |
| Pretax return on assets | 1.0641% | 3,152 |
| Return on Equity (ROE) | 5.0065% | 4,528 |
| Retained earnings to average equity (ytd only) | 5.0065% | 3,169 |
| Net charge-offs to loans | 0.0524% | 5,450 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 47.2758% | 677 |
| Efficiency ratio | 57.7806% | 6,046 |
| Assets per employee ($millions) | 13.9367% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6996% | 6,962 |
| Loan loss allowance to noncurrent loans | 11.2969% | 6,878 |
| Noncurrent assets plus other real estate owned to assets | 2.6465% | 2,446 |
| Noncurrent loans to loans | 6.1930% | 885 |
| Net loans and leases to total assets | 42.4348% | 6,472 |
| Net loans and leases to deposits | 50.8410% | 6,455 |
| Net loans and leases to core deposits | 50.8410% | 6,630 |
| Total domestic deposits to total assets | 83.4657% | 4,495 |
| Equity capital to assets | 15.5657% | 709 |
| Core capital (leverage) ratio | 15.8966% | 516 |
| Tier 1 risk-based capital ratio | 40.2586% | 249 |
| Total risk-based capital ratio | 41.0318% | 250 |
| Memoranda: | ||
| Average total assets | $81,191,500 | 5,468 |
| Average earning assets | $69,019,500 | 5,614 |
| Average equity | $12,783,000 | 4,385 |
| Average total loans | $35,599,250 | 5,941 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9022% | 6,802 |
| Cost of funding earning assets | 0.9639% | 4,223 |
| Net interest margin | 2.9382% | 6,720 |
| Noninterest income to average assets | 0.1319% | 6,662 |
| Noninterest expense to average assets | 1.4904% | 7,315 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8559% | 2,834 |
| Return on assets (ROA) | 0.8559% | 2,924 |
| Pretax return on assets | 1.1595% | 2,641 |
| Return on Equity (ROE) | 5.4151% | 4,249 |
| Retained earnings to average equity (ytd only) | 5.4151% | 2,732 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2441% | 6,396 |
| Assets per employee ($millions) | 13.7855% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7060% | 7,009 |
| Loan loss allowance to noncurrent loans | 11.7536% | 6,922 |
| Noncurrent assets plus other real estate owned to assets | 2.5715% | 2,593 |
| Noncurrent loans to loans | 6.0068% | 992 |
| Net loans and leases to total assets | 42.5084% | 6,562 |
| Net loans and leases to deposits | 50.8806% | 6,543 |
| Net loans and leases to core deposits | 50.8806% | 6,721 |
| Total domestic deposits to total assets | 83.5455% | 4,535 |
| Equity capital to assets | 15.5719% | 689 |
| Core capital (leverage) ratio | 15.7305% | 532 |
| Tier 1 risk-based capital ratio | 40.3130% | 244 |
| Total risk-based capital ratio | 41.0955% | 242 |
| Memoranda: | ||
| Average total assets | $80,382,000 | 5,538 |
| Average earning assets | $68,885,000 | 5,664 |
| Average equity | $12,705,330 | 4,403 |
| Average total loans | $35,554,330 | 5,986 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8273% | 6,917 |
| Cost of funding earning assets | 0.9409% | 4,639 |
| Net interest margin | 2.8865% | 6,780 |
| Noninterest income to average assets | 0.1363% | 6,729 |
| Noninterest expense to average assets | 1.5653% | 7,327 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8332% | 2,868 |
| Return on assets (ROA) | 0.8332% | 2,924 |
| Pretax return on assets | 1.0806% | 2,830 |
| Return on Equity (ROE) | 5.2306% | 4,274 |
| Retained earnings to average equity (ytd only) | 5.2306% | 3,041 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1603% | 6,107 |
| Assets per employee ($millions) | 16.1392% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7051% | 7,072 |
| Loan loss allowance to noncurrent loans | 12.7421% | 6,965 |
| Noncurrent assets plus other real estate owned to assets | 2.4313% | 2,796 |
| Noncurrent loans to loans | 5.5338% | 1,180 |
| Net loans and leases to total assets | 43.6267% | 6,499 |
| Net loans and leases to deposits | 52.3199% | 6,452 |
| Net loans and leases to core deposits | 52.3199% | 6,666 |
| Total domestic deposits to total assets | 83.3846% | 4,750 |
| Equity capital to assets | 15.7381% | 617 |
| Core capital (leverage) ratio | 16.6259% | 428 |
| Tier 1 risk-based capital ratio | 40.1213% | 239 |
| Total risk-based capital ratio | 40.9111% | 239 |
| Memoranda: | ||
| Average total assets | $79,216,500 | 5,610 |
| Average earning assets | $68,873,000 | 5,702 |
| Average equity | $12,618,000 | 4,413 |
| Average total loans | $35,626,500 | 6,040 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0863% | 7,060 |
| Cost of funding earning assets | 1.2122% | 4,480 |
| Net interest margin | 2.8741% | 6,928 |
| Noninterest income to average assets | 0.1342% | 6,722 |
| Noninterest expense to average assets | 1.6160% | 7,399 |
| Loan and lease loss provision to assets | 0.0143% | 6,956 |
| Net operating income to assets | 0.9187% | 2,321 |
| Return on assets (ROA) | 0.9465% | 2,340 |
| Pretax return on assets | 1.1749% | 2,314 |
| Return on Equity (ROE) | 5.4443% | 3,869 |
| Retained earnings to average equity (ytd only) | 5.4443% | 2,151 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3205% | 6,301 |
| Assets per employee ($millions) | 12.9562% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6984% | 7,141 |
| Loan loss allowance to noncurrent loans | 16.3934% | 6,935 |
| Noncurrent assets plus other real estate owned to assets | 1.9617% | 3,393 |
| Noncurrent loans to loans | 4.2600% | 1,704 |
| Net loans and leases to total assets | 45.7285% | 6,581 |
| Net loans and leases to deposits | 55.1081% | 6,512 |
| Net loans and leases to core deposits | 55.1081% | 6,745 |
| Total domestic deposits to total assets | 82.9798% | 4,804 |
| Equity capital to assets | 16.1262% | 562 |
| Core capital (leverage) ratio | 16.4112% | 458 |
| Tier 1 risk-based capital ratio | 40.3113% | 234 |
| Total risk-based capital ratio | 41.1152% | 236 |
| Memoranda: | ||
| Average total assets | $70,049,200 | 5,887 |
| Average earning assets | $64,264,200 | 5,850 |
| Average equity | $12,177,800 | 4,560 |
| Average total loans | $34,616,400 | 6,175 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 7,174 |
| Cost of funding earning assets | 1.2321% | 4,676 |
| Net interest margin | 2.8932% | 7,014 |
| Noninterest income to average assets | 0.1507% | 6,786 |
| Noninterest expense to average assets | 1.6420% | 7,474 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8729% | 2,720 |
| Return on assets (ROA) | 0.8729% | 2,858 |
| Pretax return on assets | 1.1879% | 2,533 |
| Return on Equity (ROE) | 4.9192% | 4,328 |
| Retained earnings to average equity (ytd only) | 4.9192% | 3,044 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0221% | 6,272 |
| Assets per employee ($millions) | 12.2028% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6730% | 7,248 |
| Loan loss allowance to noncurrent loans | 16.9372% | 7,007 |
| Noncurrent assets plus other real estate owned to assets | 1.9353% | 3,561 |
| Noncurrent loans to loans | 3.9736% | 1,894 |
| Net loans and leases to total assets | 48.3767% | 6,487 |
| Net loans and leases to deposits | 58.8665% | 6,391 |
| Net loans and leases to core deposits | 58.8665% | 6,679 |
| Total domestic deposits to total assets | 82.1804% | 4,923 |
| Equity capital to assets | 16.8253% | 540 |
| Core capital (leverage) ratio | 17.0399% | 428 |
| Tier 1 risk-based capital ratio | 41.2724% | 228 |
| Total risk-based capital ratio | 42.0765% | 228 |
| Memoranda: | ||
| Average total assets | $68,127,250 | 5,997 |
| Average earning assets | $63,090,000 | 5,949 |
| Average equity | $12,088,250 | 4,652 |
| Average total loans | $34,321,000 | 6,277 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2985% | 7,051 |
| Cost of funding earning assets | 1.2967% | 4,558 |
| Net interest margin | 3.0017% | 6,822 |
| Noninterest income to average assets | 0.1535% | 6,789 |
| Noninterest expense to average assets | 1.6408% | 7,540 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8370% | 2,793 |
| Return on assets (ROA) | 0.8370% | 2,950 |
| Pretax return on assets | 1.2795% | 2,153 |
| Return on Equity (ROE) | 4.6290% | 4,471 |
| Retained earnings to average equity (ytd only) | 4.6290% | 3,124 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1856% | 6,617 |
| Assets per employee ($millions) | 11.8068% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7018% | 7,246 |
| Loan loss allowance to noncurrent loans | 19.2154% | 6,989 |
| Noncurrent assets plus other real estate owned to assets | 1.7631% | 3,812 |
| Noncurrent loans to loans | 3.6525% | 2,156 |
| Net loans and leases to total assets | 47.9327% | 6,627 |
| Net loans and leases to deposits | 58.5499% | 6,536 |
| Net loans and leases to core deposits | 58.5499% | 6,795 |
| Total domestic deposits to total assets | 81.8664% | 5,046 |
| Equity capital to assets | 17.1525% | 508 |
| Core capital (leverage) ratio | 17.6247% | 387 |
| Tier 1 risk-based capital ratio | 41.9362% | 215 |
| Total risk-based capital ratio | 42.7645% | 217 |
| Memoranda: | ||
| Average total assets | $66,430,670 | 6,090 |
| Average earning assets | $61,231,330 | 6,053 |
| Average equity | $12,011,330 | 4,676 |
| Average total loans | $33,874,670 | 6,340 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3975% | 6,997 |
| Cost of funding earning assets | 1.3035% | 4,792 |
| Net interest margin | 3.0940% | 6,605 |
| Noninterest income to average assets | 0.1557% | 6,856 |
| Noninterest expense to average assets | 1.6567% | 7,613 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8470% | 2,762 |
| Return on assets (ROA) | 0.8470% | 2,856 |
| Pretax return on assets | 1.3079% | 2,029 |
| Return on Equity (ROE) | 4.5555% | 4,621 |
| Retained earnings to average equity (ytd only) | 4.5555% | 3,419 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8824% | 6,781 |
| Assets per employee ($millions) | 10.9913% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7125% | 7,316 |
| Loan loss allowance to noncurrent loans | 18.4049% | 7,087 |
| Noncurrent assets plus other real estate owned to assets | 1.9773% | 3,529 |
| Noncurrent loans to loans | 3.8710% | 2,044 |
| Net loans and leases to total assets | 50.7157% | 6,403 |
| Net loans and leases to deposits | 62.8106% | 6,192 |
| Net loans and leases to core deposits | 62.8106% | 6,539 |
| Total domestic deposits to total assets | 80.7439% | 5,533 |
| Equity capital to assets | 18.2098% | 403 |
| Core capital (leverage) ratio | 18.5766% | 338 |
| Tier 1 risk-based capital ratio | 43.5235% | 206 |
| Total risk-based capital ratio | 44.3933% | 206 |
| Memoranda: | ||
| Average total assets | $64,225,500 | 6,234 |
| Average earning assets | $58,306,000 | 6,235 |
| Average equity | $11,941,500 | 4,729 |
| Average total loans | $33,714,000 | 6,424 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6526% | 7,207 |
| Cost of funding earning assets | 1.3568% | 6,109 |
| Net interest margin | 3.2958% | 5,766 |
| Noninterest income to average assets | 0.1708% | 6,857 |
| Noninterest expense to average assets | 1.8320% | 7,582 |
| Loan and lease loss provision to assets | 0.1675% | 6,015 |
| Net operating income to assets | 1.0382% | 1,709 |
| Return on assets (ROA) | 1.0382% | 1,754 |
| Pretax return on assets | 1.2994% | 1,699 |
| Return on Equity (ROE) | 5.3669% | 3,490 |
| Retained earnings to average equity (ytd only) | 5.3669% | 1,642 |
| Net charge-offs to loans | 0.0150% | 7,010 |
| Credit loss provision to net charge-offs | 2,000.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 175.2000% | 160 |
| Efficiency ratio | 55.5330% | 7,068 |
| Assets per employee ($millions) | 10.4172% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7113% | 7,353 |
| Loan loss allowance to noncurrent loans | 38.8350% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 0.9888% | 5,130 |
| Noncurrent loans to loans | 1.8315% | 3,882 |
| Net loans and leases to total assets | 53.6006% | 6,230 |
| Net loans and leases to deposits | 67.0751% | 5,936 |
| Net loans and leases to core deposits | 67.0751% | 6,927 |
| Total domestic deposits to total assets | 79.9114% | 5,695 |
| Equity capital to assets | 18.9975% | 364 |
| Core capital (leverage) ratio | 19.1451% | 329 |
| Tier 1 risk-based capital ratio | 43.7719% | 202 |
| Total risk-based capital ratio | 44.6566% | 202 |
| Memoranda: | ||
| Average total assets | $59,717,600 | 6,359 |
| Average earning assets | $56,678,000 | 6,263 |
| Average equity | $11,552,200 | 4,860 |
| Average total loans | $33,259,800 | 6,449 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7199% | 7,249 |
| Cost of funding earning assets | 1.3869% | 6,285 |
| Net interest margin | 3.3329% | 5,517 |
| Noninterest income to average assets | 0.1830% | 6,916 |
| Noninterest expense to average assets | 1.8772% | 7,572 |
| Loan and lease loss provision to assets | 0.0113% | 7,218 |
| Net operating income to assets | 1.0166% | 1,999 |
| Return on assets (ROA) | 1.0166% | 2,070 |
| Pretax return on assets | 1.4593% | 1,523 |
| Return on Equity (ROE) | 5.2302% | 3,865 |
| Retained earnings to average equity (ytd only) | 5.2302% | 2,354 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0729% | 6,989 |
| Assets per employee ($millions) | 10.1807% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4447% | 7,773 |
| Loan loss allowance to noncurrent loans | 12.1556% | 7,406 |
| Noncurrent assets plus other real estate owned to assets | 2.0202% | 3,319 |
| Noncurrent loans to loans | 3.6588% | 2,043 |
| Net loans and leases to total assets | 54.9686% | 6,270 |
| Net loans and leases to deposits | 69.0047% | 6,029 |
| Net loans and leases to core deposits | 69.0047% | 7,016 |
| Total domestic deposits to total assets | 79.6592% | 5,573 |
| Equity capital to assets | 19.1605% | 403 |
| Core capital (leverage) ratio | 19.1223% | 370 |
| Tier 1 risk-based capital ratio | 43.7271% | 226 |
| Total risk-based capital ratio | 44.2875% | 229 |
| Memoranda: | ||
| Average total assets | $59,021,250 | 6,424 |
| Average earning assets | $56,045,000 | 6,332 |
| Average equity | $11,471,750 | 4,931 |
| Average total loans | $33,139,250 | 6,504 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 7,286 |
| Cost of funding earning assets | 1.4412% | 6,348 |
| Net interest margin | 3.3230% | 5,460 |
| Noninterest income to average assets | 0.1920% | 6,920 |
| Noninterest expense to average assets | 1.8823% | 7,644 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0114% | 2,067 |
| Return on assets (ROA) | 1.0114% | 2,160 |
| Pretax return on assets | 1.4640% | 1,549 |
| Return on Equity (ROE) | 5.1780% | 4,002 |
| Retained earnings to average equity (ytd only) | 5.1780% | 2,408 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2500% | 7,093 |
| Assets per employee ($millions) | 10.0667% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4389% | 7,861 |
| Loan loss allowance to noncurrent loans | 10.3498% | 7,490 |
| Noncurrent assets plus other real estate owned to assets | 2.3195% | 2,805 |
| Noncurrent loans to loans | 4.2404% | 1,557 |
| Net loans and leases to total assets | 54.4603% | 6,390 |
| Net loans and leases to deposits | 68.2377% | 6,162 |
| Net loans and leases to core deposits | 68.2377% | 7,107 |
| Total domestic deposits to total assets | 79.8096% | 5,535 |
| Equity capital to assets | 19.1209% | 449 |
| Core capital (leverage) ratio | 19.3085% | 398 |
| Tier 1 risk-based capital ratio | 43.5433% | 248 |
| Total risk-based capital ratio | 44.0900% | 250 |
| Memoranda: | ||
| Average total assets | $58,333,670 | 6,501 |
| Average earning assets | $55,371,330 | 6,414 |
| Average equity | $11,394,330 | 4,977 |
| Average total loans | $32,943,330 | 6,557 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7988% | 7,371 |
| Cost of funding earning assets | 1.6339% | 5,890 |
| Net interest margin | 3.1648% | 5,968 |
| Noninterest income to average assets | 0.2094% | 6,794 |
| Noninterest expense to average assets | 1.9546% | 7,437 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8796% | 2,795 |
| Return on assets (ROA) | 0.8796% | 2,938 |
| Pretax return on assets | 1.2565% | 2,428 |
| Return on Equity (ROE) | 4.4535% | 4,723 |
| Retained earnings to average equity (ytd only) | 4.4535% | 3,445 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8696% | 6,273 |
| Assets per employee ($millions) | 9.8053% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4399% | 7,908 |
| Loan loss allowance to noncurrent loans | 12.6417% | 7,470 |
| Noncurrent assets plus other real estate owned to assets | 1.9496% | 2,984 |
| Noncurrent loans to loans | 3.4797% | 1,831 |
| Net loans and leases to total assets | 55.7826% | 6,272 |
| Net loans and leases to deposits | 70.0506% | 5,972 |
| Net loans and leases to core deposits | 70.0506% | 7,014 |
| Total domestic deposits to total assets | 79.6318% | 5,494 |
| Equity capital to assets | 19.3432% | 455 |
| Core capital (leverage) ratio | 19.7306% | 410 |
| Tier 1 risk-based capital ratio | 43.2519% | 275 |
| Total risk-based capital ratio | 43.8030% | 278 |
| Memoranda: | ||
| Average total assets | $57,300,500 | 6,568 |
| Average earning assets | $54,347,000 | 6,482 |
| Average equity | $11,317,000 | 5,025 |
| Average total loans | $32,895,500 | 6,598 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2198% | 7,668 |
| Cost of funding earning assets | 2.0348% | 6,301 |
| Net interest margin | 3.1849% | 6,406 |
| Noninterest income to average assets | 0.1564% | 7,306 |
| Noninterest expense to average assets | 1.8991% | 7,613 |
| Loan and lease loss provision to assets | 0.2237% | 4,650 |
| Net operating income to assets | 0.7422% | 3,707 |
| Return on assets (ROA) | 0.7422% | 3,546 |
| Pretax return on assets | 1.0460% | 3,223 |
| Return on Equity (ROE) | 3.6983% | 4,948 |
| Retained earnings to average equity (ytd only) | 3.6983% | 2,843 |
| Net charge-offs to loans | 0.2339% | 3,908 |
| Credit loss provision to net charge-offs | 168.4932% | 3,051 |
| Earnings coverage of net charge-offs (x) | 9.5616% | 2,667 |
| Efficiency ratio | 59.9311% | 6,352 |
| Assets per employee ($millions) | 9.2948% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4417% | 7,931 |
| Loan loss allowance to noncurrent loans | 9.7185% | 7,509 |
| Noncurrent assets plus other real estate owned to assets | 2.6753% | 1,774 |
| Noncurrent loans to loans | 4.5449% | 1,046 |
| Net loans and leases to total assets | 58.6042% | 6,116 |
| Net loans and leases to deposits | 74.4980% | 5,788 |
| Net loans and leases to core deposits | 74.4980% | 6,937 |
| Total domestic deposits to total assets | 78.6656% | 5,495 |
| Equity capital to assets | 20.1797% | 459 |
| Core capital (leverage) ratio | 20.1699% | 435 |
| Tier 1 risk-based capital ratio | 43.4904% | 281 |
| Total risk-based capital ratio | 44.0507% | 284 |
| Memoranda: | ||
| Average total assets | $54,972,400 | 6,577 |
| Average earning assets | $51,994,800 | 6,504 |
| Average equity | $11,032,200 | 5,110 |
| Average total loans | $31,213,600 | 6,642 |