Home > First Cahawba Bank > Performance and Condition Ratios
First Cahawba 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 | 5.7771% | 1,529 |
| Cost of funding earning assets | 1.1407% | 3,831 |
| Net interest margin | 4.6363% | 512 |
| Noninterest income to average assets | 0.3100% | 2,795 |
| Noninterest expense to average assets | 3.1673% | 914 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.1695% | 1,807 |
| Return on assets (ROA) | 1.1695% | 1,805 |
| Pretax return on assets | 1.5600% | 1,382 |
| Return on Equity (ROE) | 15.7500% | 941 |
| Retained earnings to average equity (ytd only) | 15.7536% | 363 |
| 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 | 67.0000% | 2,141 |
| Assets per employee ($millions) | 5.0374% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0626% | 2,909 |
| Loan loss allowance to noncurrent loans | 940.6897% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 3,178 |
| Noncurrent loans to loans | 0.1130% | 3,098 |
| Net loans and leases to total assets | 63.0300% | 2,601 |
| Net loans and leases to deposits | 68.3342% | 2,962 |
| Net loans and leases to core deposits | 75.5678% | 2,984 |
| Total domestic deposits to total assets | 92.2400% | 236 |
| Equity capital to assets | 7.4245% | 3,884 |
| Core capital (leverage) ratio | 10.0189% | 2,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $194,615,500 | 3,048 |
| Average earning assets | $185,492,500 | 3,011 |
| Average equity | $14,447,500 | 3,423 |
| Average total loans | $128,656,500 | 2,955 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8453% | 1,518 |
| Cost of funding earning assets | 1.1753% | 3,842 |
| Net interest margin | 4.6699% | 511 |
| Noninterest income to average assets | 0.2800% | 3,178 |
| Noninterest expense to average assets | 3.2376% | 835 |
| Loan and lease loss provision to assets | 0.2100% | 634 |
| Net operating income to assets | 0.9578% | 2,188 |
| Return on assets (ROA) | 0.9578% | 2,190 |
| Pretax return on assets | 1.2736% | 1,815 |
| Return on Equity (ROE) | 13.0000% | 1,363 |
| Retained earnings to average equity (ytd only) | 10.2741% | 535 |
| Net charge-offs to loans | 0.0122% | 2,465 |
| Credit loss provision to net charge-offs | 1,040.0000% | 381 |
| Earnings coverage of net charge-offs (x) | 181.6667% | 540 |
| Efficiency ratio | 68.6096% | 2,165 |
| Assets per employee ($millions) | 4.8137% | 3,762 |
| Cash dividends to net income (ytd only)* | 20.9421% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 2,908 |
| Loan loss allowance to noncurrent loans | 2,573.5849% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 3,330 |
| Noncurrent loans to loans | 0.0411% | 3,455 |
| Net loans and leases to total assets | 67.9600% | 2,144 |
| Net loans and leases to deposits | 73.5860% | 2,685 |
| Net loans and leases to core deposits | 81.0561% | 2,705 |
| Total domestic deposits to total assets | 92.3500% | 236 |
| Equity capital to assets | 7.4227% | 3,801 |
| Core capital (leverage) ratio | 9.8920% | 2,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $183,965,200 | 3,097 |
| Average earning assets | $175,013,800 | 3,052 |
| Average equity | $13,558,400 | 3,466 |
| Average total loans | $122,458,400 | 2,969 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7535% | 1,630 |
| Cost of funding earning assets | 1.1847% | 3,836 |
| Net interest margin | 4.5688% | 589 |
| Noninterest income to average assets | 0.2800% | 3,175 |
| Noninterest expense to average assets | 3.2279% | 807 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 1.0119% | 2,011 |
| Return on assets (ROA) | 1.0119% | 2,011 |
| Pretax return on assets | 1.3346% | 1,674 |
| Return on Equity (ROE) | 13.7500% | 1,195 |
| Retained earnings to average equity (ytd only) | 13.7546% | 310 |
| Net charge-offs to loans | -0.2924% | 4,519 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 69.8345% | 2,044 |
| Assets per employee ($millions) | 5.6938% | 3,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0599% | 2,950 |
| Loan loss allowance to noncurrent loans | 2,535.8491% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 3,061 |
| Noncurrent loans to loans | 0.0418% | 3,504 |
| Net loans and leases to total assets | 66.7700% | 2,236 |
| Net loans and leases to deposits | 72.7968% | 2,766 |
| Net loans and leases to core deposits | 79.3295% | 2,858 |
| Total domestic deposits to total assets | 91.7200% | 223 |
| Equity capital to assets | 7.9449% | 3,746 |
| Core capital (leverage) ratio | 10.2965% | 2,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $183,022,500 | 3,108 |
| Average earning assets | $174,104,750 | 3,068 |
| Average equity | $13,464,250 | 3,475 |
| Average total loans | $120,837,250 | 2,983 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6750% | 1,645 |
| Cost of funding earning assets | 1.1816% | 3,807 |
| Net interest margin | 4.4934% | 632 |
| Noninterest income to average assets | 0.2800% | 3,143 |
| Noninterest expense to average assets | 3.2238% | 798 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.0011% | 1,997 |
| Return on assets (ROA) | 1.0011% | 1,999 |
| Pretax return on assets | 1.3297% | 1,623 |
| Return on Equity (ROE) | 13.9900% | 1,161 |
| Retained earnings to average equity (ytd only) | 13.9947% | 357 |
| Net charge-offs to loans | -0.4544% | 4,552 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 70.7819% | 2,015 |
| Assets per employee ($millions) | 4.6928% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 2,886 |
| Loan loss allowance to noncurrent loans | 1,407.7778% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 2,960 |
| Noncurrent loans to loans | 0.0769% | 3,284 |
| Net loans and leases to total assets | 64.9600% | 2,454 |
| Net loans and leases to deposits | 70.4872% | 2,951 |
| Net loans and leases to core deposits | 77.4795% | 2,950 |
| Total domestic deposits to total assets | 92.1600% | 250 |
| Equity capital to assets | 7.5340% | 3,708 |
| Core capital (leverage) ratio | 10.2101% | 2,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3158% | 1,437 |
| Memoranda: | ||
| Average total assets | $181,398,333 | 3,122 |
| Average earning assets | $172,475,333 | 3,087 |
| Average equity | $12,976,333 | 3,511 |
| Average total loans | $118,849,000 | 2,996 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5570% | 1,700 |
| Cost of funding earning assets | 1.1165% | 3,855 |
| Net interest margin | 4.4406% | 629 |
| Noninterest income to average assets | 0.2700% | 3,153 |
| Noninterest expense to average assets | 3.1312% | 920 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.0342% | 1,844 |
| Return on assets (ROA) | 1.0342% | 1,846 |
| Pretax return on assets | 1.3666% | 1,506 |
| Return on Equity (ROE) | 14.8400% | 1,013 |
| Retained earnings to average equity (ytd only) | 14.8427% | 442 |
| Net charge-offs to loans | 0.0100% | 1,715 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 208.3333% | 405 |
| Efficiency ratio | 69.6159% | 2,193 |
| Assets per employee ($millions) | 4.7478% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 3,234 |
| Loan loss allowance to noncurrent loans | 3,294.5946% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 3,420 |
| Noncurrent loans to loans | 0.0307% | 3,555 |
| Net loans and leases to total assets | 66.1100% | 2,227 |
| Net loans and leases to deposits | 71.3102% | 2,790 |
| Net loans and leases to core deposits | 78.1299% | 2,846 |
| Total domestic deposits to total assets | 92.7100% | 218 |
| Equity capital to assets | 7.1241% | 3,847 |
| Core capital (leverage) ratio | 9.8394% | 2,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6654% | 1,649 |
| Memoranda: | ||
| Average total assets | $182,935,000 | 3,117 |
| Average earning assets | $174,122,500 | 3,077 |
| Average equity | $12,747,000 | 3,532 |
| Average total loans | $119,721,000 | 2,994 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0422% | 1,991 |
| Cost of funding earning assets | 0.8510% | 3,611 |
| Net interest margin | 4.1912% | 946 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.9942% | 1,131 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.9301% | 2,448 |
| Return on assets (ROA) | 0.9149% | 2,467 |
| Pretax return on assets | 1.2002% | 2,138 |
| Return on Equity (ROE) | 15.3000% | 1,228 |
| Retained earnings to average equity (ytd only) | 15.3046% | 311 |
| Net charge-offs to loans | 0.0045% | 2,560 |
| Credit loss provision to net charge-offs | 1,600.0000% | 278 |
| Earnings coverage of net charge-offs (x) | 472.4000% | 303 |
| Efficiency ratio | 70.3453% | 1,830 |
| Assets per employee ($millions) | 4.8804% | 3,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 3,173 |
| Loan loss allowance to noncurrent loans | 3,218.4211% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 3,344 |
| Noncurrent loans to loans | 0.0319% | 3,508 |
| Net loans and leases to total assets | 63.4800% | 2,511 |
| Net loans and leases to deposits | 68.1717% | 3,016 |
| Net loans and leases to core deposits | 74.1880% | 3,068 |
| Total domestic deposits to total assets | 93.1200% | 161 |
| Equity capital to assets | 6.8162% | 4,014 |
| Core capital (leverage) ratio | 9.2915% | 3,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5040% | 1,686 |
| Memoranda: | ||
| Average total assets | $187,130,400 | 3,074 |
| Average earning assets | $178,491,800 | 3,022 |
| Average equity | $11,186,200 | 3,600 |
| Average total loans | $110,383,200 | 3,058 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8580% | 2,151 |
| Cost of funding earning assets | 0.7920% | 3,539 |
| Net interest margin | 4.0660% | 1,124 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.9304% | 1,175 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.8761% | 2,775 |
| Return on assets (ROA) | 0.8559% | 2,824 |
| Pretax return on assets | 1.1232% | 2,496 |
| Return on Equity (ROE) | 14.8300% | 1,481 |
| Retained earnings to average equity (ytd only) | 14.8329% | 579 |
| Net charge-offs to loans | -0.0012% | 3,510 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.8491% | 1,697 |
| Assets per employee ($millions) | 5.0951% | 3,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 2,916 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 3,639 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 57.6800% | 3,052 |
| Net loans and leases to deposits | 61.2199% | 3,444 |
| Net loans and leases to core deposits | 66.8987% | 3,382 |
| Total domestic deposits to total assets | 94.2100% | 169 |
| Equity capital to assets | 5.5782% | 4,114 |
| Core capital (leverage) ratio | 8.8619% | 3,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6233% | 1,676 |
| Memoranda: | ||
| Average total assets | $187,549,500 | 3,079 |
| Average earning assets | $178,942,750 | 3,027 |
| Average equity | $10,822,500 | 3,636 |
| Average total loans | $108,242,500 | 3,084 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6477% | 2,311 |
| Cost of funding earning assets | 0.7010% | 3,485 |
| Net interest margin | 3.9466% | 1,334 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.9225% | 1,168 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.7809% | 3,139 |
| Return on assets (ROA) | 0.7503% | 3,234 |
| Pretax return on assets | 0.9831% | 2,962 |
| Return on Equity (ROE) | 12.8500% | 1,936 |
| Retained earnings to average equity (ytd only) | 12.8532% | 830 |
| Net charge-offs to loans | -0.0019% | 3,525 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.5060% | 1,507 |
| Assets per employee ($millions) | 5.0603% | 3,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1041% | 2,941 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 3,635 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 57.2500% | 3,027 |
| Net loans and leases to deposits | 60.9424% | 3,364 |
| Net loans and leases to core deposits | 65.3792% | 3,385 |
| Total domestic deposits to total assets | 93.9300% | 155 |
| Equity capital to assets | 5.9139% | 4,186 |
| Core capital (leverage) ratio | 8.6843% | 4,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3174% | 1,782 |
| Memoranda: | ||
| Average total assets | $185,528,667 | 3,097 |
| Average earning assets | $177,163,000 | 3,046 |
| Average equity | $10,830,000 | 3,648 |
| Average total loans | $106,690,333 | 3,095 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4211% | 2,494 |
| Cost of funding earning assets | 0.5086% | 3,659 |
| Net interest margin | 3.9125% | 1,455 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.9625% | 1,128 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7796% | 3,256 |
| Return on assets (ROA) | 0.7796% | 3,214 |
| Pretax return on assets | 1.0409% | 2,883 |
| Return on Equity (ROE) | 13.4500% | 1,891 |
| Retained earnings to average equity (ytd only) | 13.4482% | 1,017 |
| Net charge-offs to loans | 0.0958% | 612 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 18.9600% | 1,476 |
| Efficiency ratio | 73.9989% | 1,339 |
| Assets per employee ($millions) | 4.9815% | 3,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 3,269 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 3,612 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 55.6300% | 3,062 |
| Net loans and leases to deposits | 59.1800% | 3,385 |
| Net loans and leases to core deposits | 62.8317% | 3,398 |
| Total domestic deposits to total assets | 94.0000% | 171 |
| Equity capital to assets | 5.8590% | 4,249 |
| Core capital (leverage) ratio | 9.0492% | 3,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2738% | 1,876 |
| Memoranda: | ||
| Average total assets | $182,146,500 | 3,163 |
| Average earning assets | $173,803,000 | 3,112 |
| Average equity | $10,559,000 | 3,717 |
| Average total loans | $104,381,500 | 3,157 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6438% | 2,674 |
| Cost of funding earning assets | 0.1055% | 4,370 |
| Net interest margin | 3.5383% | 1,812 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.7074% | 1,535 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.6173% | 3,838 |
| Return on assets (ROA) | 0.6173% | 3,789 |
| Pretax return on assets | 0.7942% | 3,637 |
| Return on Equity (ROE) | 9.9600% | 2,822 |
| Retained earnings to average equity (ytd only) | 8.4022% | 1,679 |
| Net charge-offs to loans | -0.0289% | 4,189 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.7015% | 1,045 |
| Assets per employee ($millions) | 4.8610% | 3,772 |
| Cash dividends to net income (ytd only)* | 15.6415% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 2,777 |
| Loan loss allowance to noncurrent loans | 5,740.0000% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 3,098 |
| Noncurrent loans to loans | 0.0195% | 3,673 |
| Net loans and leases to total assets | 57.8200% | 2,838 |
| Net loans and leases to deposits | 61.3822% | 3,246 |
| Net loans and leases to core deposits | 63.3681% | 3,305 |
| Total domestic deposits to total assets | 94.2000% | 221 |
| Equity capital to assets | 5.7298% | 4,175 |
| Core capital (leverage) ratio | 8.7575% | 3,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8949% | 1,655 |
| Memoranda: | ||
| Average total assets | $184,343,600 | 3,149 |
| Average earning assets | $173,501,000 | 3,118 |
| Average equity | $11,425,600 | 3,721 |
| Average total loans | $96,725,400 | 3,201 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4203% | 2,862 |
| Cost of funding earning assets | 0.0761% | 4,445 |
| Net interest margin | 3.3442% | 2,159 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.6462% | 1,605 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.5557% | 3,954 |
| Return on assets (ROA) | 0.5557% | 3,897 |
| Pretax return on assets | 0.7185% | 3,764 |
| Return on Equity (ROE) | 8.8100% | 3,089 |
| Retained earnings to average equity (ytd only) | 8.8092% | 1,722 |
| Net charge-offs to loans | -0.0364% | 4,207 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.0164% | 911 |
| Assets per employee ($millions) | 5.4169% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 3,350 |
| Loan loss allowance to noncurrent loans | 3,735.7143% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0686% | 3,210 |
| Noncurrent loans to loans | 0.0276% | 3,703 |
| Net loans and leases to total assets | 53.0100% | 3,188 |
| Net loans and leases to deposits | 55.8592% | 3,492 |
| Net loans and leases to core deposits | 57.0900% | 3,557 |
| Total domestic deposits to total assets | 94.9100% | 238 |
| Equity capital to assets | 4.9559% | 4,303 |
| Core capital (leverage) ratio | 8.2305% | 4,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3985% | 1,904 |
| Memoranda: | ||
| Average total assets | $186,680,500 | 3,153 |
| Average earning assets | $175,265,250 | 3,129 |
| Average equity | $11,775,250 | 3,737 |
| Average total loans | $95,324,000 | 3,232 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1987% | 3,053 |
| Cost of funding earning assets | 0.0773% | 4,402 |
| Net interest margin | 3.1214% | 2,471 |
| Noninterest income to average assets | 0.2294% | 3,814 |
| Noninterest expense to average assets | 2.6364% | 1,535 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3952% | 4,117 |
| Return on assets (ROA) | 0.3952% | 4,069 |
| Pretax return on assets | 0.5062% | 3,987 |
| Return on Equity (ROE) | 5.8401% | 3,619 |
| Retained earnings to average equity (ytd only) | 5.8401% | 2,389 |
| Net charge-offs to loans | -0.0365% | 4,119 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8931% | 685 |
| Assets per employee ($millions) | 5.4507% | 3,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 3,515 |
| Loan loss allowance to noncurrent loans | 3,567.8571% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 3,032 |
| Noncurrent loans to loans | 0.0286% | 3,742 |
| Net loans and leases to total assets | 50.7899% | 3,289 |
| Net loans and leases to deposits | 53.8850% | 3,544 |
| Net loans and leases to core deposits | 55.0718% | 3,640 |
| Total domestic deposits to total assets | 94.2561% | 241 |
| Equity capital to assets | 5.6249% | 4,322 |
| Core capital (leverage) ratio | 8.1207% | 4,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5678% | 1,841 |
| Memoranda: | ||
| Average total assets | $185,710,000 | 3,194 |
| Average earning assets | $173,321,000 | 3,184 |
| Average equity | $12,568,333 | 3,725 |
| Average total loans | $93,246,000 | 3,284 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0380% | 3,144 |
| Cost of funding earning assets | 0.0830% | 4,319 |
| Net interest margin | 2.9550% | 2,655 |
| Noninterest income to average assets | 0.2249% | 3,812 |
| Noninterest expense to average assets | 2.6619% | 1,446 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2293% | 4,284 |
| Return on assets (ROA) | 0.2293% | 4,250 |
| Pretax return on assets | 0.2839% | 4,208 |
| Return on Equity (ROE) | 3.1141% | 4,065 |
| Retained earnings to average equity (ytd only) | 3.1141% | 3,222 |
| Net charge-offs to loans | -0.0440% | 4,215 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3632% | 530 |
| Assets per employee ($millions) | 5.5031% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 3,304 |
| Loan loss allowance to noncurrent loans | 3,420.6897% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 3,111 |
| Noncurrent loans to loans | 0.0323% | 3,752 |
| Net loans and leases to total assets | 47.4020% | 3,450 |
| Net loans and leases to deposits | 50.7903% | 3,664 |
| Net loans and leases to core deposits | 51.9417% | 3,739 |
| Total domestic deposits to total assets | 93.3288% | 197 |
| Equity capital to assets | 6.6193% | 4,379 |
| Core capital (leverage) ratio | 8.2953% | 4,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0020% | 1,792 |
| Memoranda: | ||
| Average total assets | $183,177,000 | 3,224 |
| Average earning assets | $168,662,000 | 3,237 |
| Average equity | $13,487,000 | 3,707 |
| Average total loans | $90,922,000 | 3,318 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3940% | 2,941 |
| Cost of funding earning assets | 0.1225% | 4,204 |
| Net interest margin | 3.2714% | 2,405 |
| Noninterest income to average assets | 0.2295% | 4,002 |
| Noninterest expense to average assets | 2.5207% | 2,120 |
| Loan and lease loss provision to assets | 0.5721% | 91 |
| Net operating income to assets | 0.1223% | 4,608 |
| Return on assets (ROA) | 0.1237% | 4,616 |
| Pretax return on assets | 0.1422% | 4,610 |
| Return on Equity (ROE) | 1.4775% | 4,559 |
| Retained earnings to average equity (ytd only) | 1.4775% | 4,126 |
| Net charge-offs to loans | 1.0658% | 60 |
| Credit loss provision to net charge-offs | 101.9960% | 1,771 |
| Earnings coverage of net charge-offs (x) | 1.2705% | 2,622 |
| Efficiency ratio | 77.9605% | 951 |
| Assets per employee ($millions) | 4.8446% | 3,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 3,497 |
| Loan loss allowance to noncurrent loans | 3,386.2069% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.1847% | 2,643 |
| Noncurrent loans to loans | 0.0315% | 3,848 |
| Net loans and leases to total assets | 50.8669% | 3,187 |
| Net loans and leases to deposits | 55.4276% | 3,473 |
| Net loans and leases to core deposits | 56.6561% | 3,571 |
| Total domestic deposits to total assets | 91.7718% | 244 |
| Equity capital to assets | 8.1389% | 4,281 |
| Core capital (leverage) ratio | 8.3316% | 4,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9441% | 1,864 |
| Memoranda: | ||
| Average total assets | $178,637,400 | 3,220 |
| Average earning assets | $164,025,200 | 3,235 |
| Average equity | $14,957,200 | 3,640 |
| Average total loans | $94,012,400 | 3,276 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4500% | 2,959 |
| Cost of funding earning assets | 0.1304% | 4,260 |
| Net interest margin | 3.3196% | 2,360 |
| Noninterest income to average assets | 0.2316% | 4,014 |
| Noninterest expense to average assets | 2.4696% | 2,211 |
| Loan and lease loss provision to assets | 0.7637% | 59 |
| Net operating income to assets | 0.0538% | 4,719 |
| Return on assets (ROA) | 0.0560% | 4,733 |
| Pretax return on assets | 0.0433% | 4,741 |
| Return on Equity (ROE) | 0.6645% | 4,717 |
| Retained earnings to average equity (ytd only) | 0.6645% | 4,473 |
| Net charge-offs to loans | 1.4099% | 45 |
| Credit loss provision to net charge-offs | 102.3023% | 1,561 |
| Earnings coverage of net charge-offs (x) | 1.0781% | 2,386 |
| Efficiency ratio | 75.4278% | 1,080 |
| Assets per employee ($millions) | 5.2103% | 3,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 3,818 |
| Loan loss allowance to noncurrent loans | 3,177.4194% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 2,862 |
| Noncurrent loans to loans | 0.0317% | 3,975 |
| Net loans and leases to total assets | 53.1550% | 3,063 |
| Net loans and leases to deposits | 57.8549% | 3,421 |
| Net loans and leases to core deposits | 59.1116% | 3,539 |
| Total domestic deposits to total assets | 91.8765% | 152 |
| Equity capital to assets | 8.0731% | 4,481 |
| Core capital (leverage) ratio | 8.0528% | 4,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3328% | 2,247 |
| Memoranda: | ||
| Average total assets | $178,484,250 | 3,254 |
| Average earning assets | $163,588,750 | 3,275 |
| Average equity | $15,049,250 | 3,675 |
| Average total loans | $94,475,250 | 3,316 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5529% | 2,766 |
| Cost of funding earning assets | 0.1380% | 4,296 |
| Net interest margin | 3.4149% | 2,093 |
| Noninterest income to average assets | 0.2382% | 3,978 |
| Noninterest expense to average assets | 2.4922% | 2,170 |
| Loan and lease loss provision to assets | 1.1535% | 31 |
| Net operating income to assets | -0.1878% | 4,829 |
| Return on assets (ROA) | -0.1851% | 4,834 |
| Pretax return on assets | -0.2754% | 4,841 |
| Return on Equity (ROE) | -2.1638% | 4,842 |
| Retained earnings to average equity (ytd only) | -2.1638% | 4,676 |
| Net charge-offs to loans | 2.1623% | 31 |
| Credit loss provision to net charge-offs | 101.2884% | 1,352 |
| Earnings coverage of net charge-offs (x) | 0.7681% | 2,181 |
| Efficiency ratio | 74.0194% | 1,243 |
| Assets per employee ($millions) | 5.6816% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 3,645 |
| Loan loss allowance to noncurrent loans | 3,046.8750% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.1925% | 2,993 |
| Noncurrent loans to loans | 0.0343% | 4,028 |
| Net loans and leases to total assets | 50.7117% | 3,486 |
| Net loans and leases to deposits | 55.1458% | 3,779 |
| Net loans and leases to core deposits | 56.6263% | 3,850 |
| Total domestic deposits to total assets | 91.9593% | 135 |
| Equity capital to assets | 7.9874% | 4,542 |
| Core capital (leverage) ratio | 7.8853% | 4,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3793% | 1,840 |
| Memoranda: | ||
| Average total assets | $177,192,667 | 3,266 |
| Average earning assets | $162,347,333 | 3,292 |
| Average equity | $15,158,333 | 3,662 |
| Average total loans | $93,327,667 | 3,347 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5795% | 2,707 |
| Cost of funding earning assets | 0.1521% | 4,290 |
| Net interest margin | 3.4274% | 2,031 |
| Noninterest income to average assets | 0.2722% | 3,772 |
| Noninterest expense to average assets | 2.4702% | 2,266 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8038% | 3,412 |
| Return on assets (ROA) | 0.8074% | 3,472 |
| Pretax return on assets | 1.0544% | 3,225 |
| Return on Equity (ROE) | 9.1235% | 2,991 |
| Retained earnings to average equity (ytd only) | 9.1235% | 1,909 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1754% | 1,673 |
| Assets per employee ($millions) | 6.0716% | 2,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0354% | 3,709 |
| Loan loss allowance to noncurrent loans | 757.4803% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.2141% | 3,083 |
| Noncurrent loans to loans | 0.1367% | 3,631 |
| Net loans and leases to total assets | 50.4796% | 3,582 |
| Net loans and leases to deposits | 55.1899% | 3,851 |
| Net loans and leases to core deposits | 56.9106% | 3,917 |
| Total domestic deposits to total assets | 91.4651% | 250 |
| Equity capital to assets | 8.3795% | 4,212 |
| Core capital (leverage) ratio | 8.9510% | 3,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5506% | 1,725 |
| Memoranda: | ||
| Average total assets | $174,883,000 | 3,288 |
| Average earning assets | $165,723,000 | 3,258 |
| Average equity | $15,476,500 | 3,640 |
| Average total loans | $93,404,000 | 3,356 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2912% | 1,891 |
| Cost of funding earning assets | 0.4022% | 3,565 |
| Net interest margin | 3.8890% | 1,248 |
| Noninterest income to average assets | 0.2445% | 4,024 |
| Noninterest expense to average assets | 2.9994% | 1,437 |
| Loan and lease loss provision to assets | 0.0822% | 3,352 |
| Net operating income to assets | 0.6102% | 3,717 |
| Return on assets (ROA) | 0.6102% | 3,836 |
| Pretax return on assets | 0.7985% | 3,631 |
| Return on Equity (ROE) | 5.8475% | 3,628 |
| Retained earnings to average equity (ytd only) | 4.8697% | 2,334 |
| Net charge-offs to loans | 0.0828% | 1,641 |
| Credit loss provision to net charge-offs | 153.8462% | 2,397 |
| Earnings coverage of net charge-offs (x) | 16.4872% | 2,127 |
| Efficiency ratio | 77.3032% | 1,100 |
| Assets per employee ($millions) | 5.5873% | 2,756 |
| Cash dividends to net income (ytd only)* | 16.7228% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 3,782 |
| Loan loss allowance to noncurrent loans | 3,848.0000% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 3,301 |
| Noncurrent loans to loans | 0.0266% | 4,214 |
| Net loans and leases to total assets | 55.4454% | 3,352 |
| Net loans and leases to deposits | 61.3150% | 3,652 |
| Net loans and leases to core deposits | 63.4248% | 3,737 |
| Total domestic deposits to total assets | 90.4271% | 405 |
| Equity capital to assets | 9.3605% | 3,729 |
| Core capital (leverage) ratio | 9.7330% | 2,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4616% | 1,693 |
| Memoranda: | ||
| Average total assets | $146,028,000 | 3,444 |
| Average earning assets | $136,513,400 | 3,426 |
| Average equity | $15,237,200 | 3,631 |
| Average total loans | $94,191,000 | 3,337 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6474% | 1,190 |
| Cost of funding earning assets | 0.4738% | 3,403 |
| Net interest margin | 4.1736% | 774 |
| Noninterest income to average assets | 0.2560% | 3,947 |
| Noninterest expense to average assets | 3.1145% | 1,211 |
| Loan and lease loss provision to assets | 0.1138% | 2,900 |
| Net operating income to assets | 0.6968% | 3,470 |
| Return on assets (ROA) | 0.6968% | 3,569 |
| Pretax return on assets | 0.9111% | 3,349 |
| Return on Equity (ROE) | 6.4796% | 3,378 |
| Retained earnings to average equity (ytd only) | 6.4796% | 1,890 |
| Net charge-offs to loans | 0.1132% | 1,218 |
| Credit loss provision to net charge-offs | 150.0000% | 2,323 |
| Earnings coverage of net charge-offs (x) | 13.5125% | 2,198 |
| Efficiency ratio | 75.2405% | 1,275 |
| Assets per employee ($millions) | 5.0309% | 3,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9838% | 3,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 3,461 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 61.9532% | 3,019 |
| Net loans and leases to deposits | 68.9982% | 3,394 |
| Net loans and leases to core deposits | 71.5690% | 3,515 |
| Total domestic deposits to total assets | 89.7896% | 505 |
| Equity capital to assets | 10.0296% | 3,204 |
| Core capital (leverage) ratio | 10.1550% | 2,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0777% | 1,483 |
| Memoranda: | ||
| Average total assets | $140,630,250 | 3,490 |
| Average earning assets | $130,850,500 | 3,489 |
| Average equity | $15,124,000 | 3,642 |
| Average total loans | $94,264,000 | 3,344 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9411% | 906 |
| Cost of funding earning assets | 0.5469% | 3,258 |
| Net interest margin | 4.3942% | 626 |
| Noninterest income to average assets | 0.2715% | 3,854 |
| Noninterest expense to average assets | 3.2157% | 1,133 |
| Loan and lease loss provision to assets | 0.1771% | 2,247 |
| Net operating income to assets | 0.7630% | 3,180 |
| Return on assets (ROA) | 0.7630% | 3,289 |
| Pretax return on assets | 1.0050% | 3,010 |
| Return on Equity (ROE) | 6.9158% | 3,163 |
| Retained earnings to average equity (ytd only) | 6.9158% | 1,698 |
| Net charge-offs to loans | 0.1696% | 875 |
| Credit loss provision to net charge-offs | 151.8987% | 2,114 |
| Earnings coverage of net charge-offs (x) | 10.1392% | 2,173 |
| Efficiency ratio | 73.1208% | 1,550 |
| Assets per employee ($millions) | 4.6609% | 3,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9740% | 3,690 |
| Loan loss allowance to noncurrent loans | 492.8205% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 3,263 |
| Noncurrent loans to loans | 0.1976% | 3,667 |
| Net loans and leases to total assets | 67.6211% | 2,421 |
| Net loans and leases to deposits | 75.8308% | 2,889 |
| Net loans and leases to core deposits | 79.0660% | 3,022 |
| Total domestic deposits to total assets | 89.1736% | 676 |
| Equity capital to assets | 10.6368% | 2,631 |
| Core capital (leverage) ratio | 10.5998% | 2,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3185% | 1,690 |
| Memoranda: | ||
| Average total assets | $135,521,000 | 3,539 |
| Average earning assets | $127,259,333 | 3,510 |
| Average equity | $14,951,333 | 3,659 |
| Average total loans | $93,158,333 | 3,352 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5553% | 2,137 |
| Cost of funding earning assets | 0.6632% | 3,098 |
| Net interest margin | 3.8921% | 1,695 |
| Noninterest income to average assets | 0.3053% | 3,688 |
| Noninterest expense to average assets | 3.2052% | 1,411 |
| Loan and lease loss provision to assets | 0.1526% | 1,871 |
| Net operating income to assets | 0.4823% | 3,940 |
| Return on assets (ROA) | 0.4823% | 3,994 |
| Pretax return on assets | 0.6197% | 3,889 |
| Return on Equity (ROE) | 4.2869% | 3,874 |
| Retained earnings to average equity (ytd only) | 4.2869% | 2,578 |
| Net charge-offs to loans | 0.2035% | 677 |
| Credit loss provision to net charge-offs | 108.6957% | 1,765 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,052 |
| Efficiency ratio | 80.5833% | 1,083 |
| Assets per employee ($millions) | 4.2616% | 3,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0134% | 3,636 |
| Loan loss allowance to noncurrent loans | 471.4286% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 3,297 |
| Noncurrent loans to loans | 0.2150% | 3,708 |
| Net loans and leases to total assets | 68.3203% | 2,497 |
| Net loans and leases to deposits | 77.2003% | 2,950 |
| Net loans and leases to core deposits | 81.7828% | 3,037 |
| Total domestic deposits to total assets | 88.4975% | 881 |
| Equity capital to assets | 11.2702% | 2,619 |
| Core capital (leverage) ratio | 11.3428% | 2,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1251% | 1,574 |
| Memoranda: | ||
| Average total assets | $131,037,000 | 3,575 |
| Average earning assets | $123,636,500 | 3,526 |
| Average equity | $14,742,500 | 3,689 |
| Average total loans | $90,404,500 | 3,388 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0023% | 1,474 |
| Cost of funding earning assets | 0.7410% | 2,965 |
| Net interest margin | 4.2613% | 1,181 |
| Noninterest income to average assets | 0.3396% | 3,675 |
| Noninterest expense to average assets | 3.2680% | 1,365 |
| Loan and lease loss provision to assets | 0.0409% | 3,195 |
| Net operating income to assets | 0.6827% | 3,920 |
| Return on assets (ROA) | 0.6840% | 3,984 |
| Pretax return on assets | 0.9000% | 3,742 |
| Return on Equity (ROE) | 5.8812% | 3,952 |
| Retained earnings to average equity (ytd only) | 4.8752% | 2,484 |
| Net charge-offs to loans | 0.0106% | 3,309 |
| Credit loss provision to net charge-offs | 555.5556% | 539 |
| Earnings coverage of net charge-offs (x) | 127.5556% | 563 |
| Efficiency ratio | 77.6741% | 1,187 |
| Assets per employee ($millions) | 4.3321% | 3,459 |
| Cash dividends to net income (ytd only)* | 17.1053% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 3,332 |
| Loan loss allowance to noncurrent loans | 476.6839% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 3,180 |
| Noncurrent loans to loans | 0.2153% | 3,685 |
| Net loans and leases to total assets | 68.2551% | 2,646 |
| Net loans and leases to deposits | 77.0976% | 3,084 |
| Net loans and leases to core deposits | 81.7297% | 3,150 |
| Total domestic deposits to total assets | 88.5307% | 871 |
| Equity capital to assets | 11.2308% | 2,779 |
| Core capital (leverage) ratio | 11.2222% | 2,318 |
| Tier 1 risk-based capital ratio | 15.2129% | 2,693 |
| Total risk-based capital ratio | 16.1771% | 2,750 |
| Memoranda: | ||
| Average total assets | $122,217,200 | 3,663 |
| Average earning assets | $110,929,200 | 3,696 |
| Average equity | $14,214,800 | 3,721 |
| Average total loans | $84,544,200 | 3,514 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0880% | 1,310 |
| Cost of funding earning assets | 0.7510% | 2,965 |
| Net interest margin | 4.3370% | 1,080 |
| Noninterest income to average assets | 0.3392% | 3,698 |
| Noninterest expense to average assets | 3.3244% | 1,217 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6789% | 4,081 |
| Return on assets (ROA) | 0.6806% | 4,137 |
| Pretax return on assets | 0.9090% | 3,847 |
| Return on Equity (ROE) | 5.7980% | 4,105 |
| Retained earnings to average equity (ytd only) | 5.7980% | 2,461 |
| Net charge-offs to loans | 0.0112% | 2,962 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 116.8960% | 666 |
| Efficiency ratio | 78.5696% | 1,049 |
| Assets per employee ($millions) | 4.0982% | 3,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 3,344 |
| Loan loss allowance to noncurrent loans | 14,533.3333% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 3,894 |
| Noncurrent loans to loans | 0.0072% | 4,653 |
| Net loans and leases to total assets | 65.2711% | 3,147 |
| Net loans and leases to deposits | 73.9592% | 3,478 |
| Net loans and leases to core deposits | 78.9142% | 3,475 |
| Total domestic deposits to total assets | 88.2529% | 938 |
| Equity capital to assets | 11.4228% | 2,718 |
| Core capital (leverage) ratio | 11.6088% | 2,140 |
| Tier 1 risk-based capital ratio | 16.2164% | 2,363 |
| Total risk-based capital ratio | 17.1959% | 2,394 |
| Memoranda: | ||
| Average total assets | $120,280,500 | 3,737 |
| Average earning assets | $107,937,750 | 3,793 |
| Average equity | $14,119,500 | 3,768 |
| Average total loans | $83,273,500 | 3,574 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2025% | 978 |
| Cost of funding earning assets | 0.7462% | 2,911 |
| Net interest margin | 4.4563% | 840 |
| Noninterest income to average assets | 0.3491% | 3,601 |
| Noninterest expense to average assets | 3.3959% | 1,111 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6585% | 4,134 |
| Return on assets (ROA) | 0.6558% | 4,195 |
| Pretax return on assets | 0.8761% | 3,921 |
| Return on Equity (ROE) | 5.5330% | 4,194 |
| Retained earnings to average equity (ytd only) | 5.5330% | 2,500 |
| Net charge-offs to loans | 0.0096% | 2,789 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 129.7500% | 567 |
| Efficiency ratio | 79.4293% | 1,021 |
| Assets per employee ($millions) | 3.8810% | 4,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 3,233 |
| Loan loss allowance to noncurrent loans | 12,514.2857% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 3,834 |
| Noncurrent loans to loans | 0.0086% | 4,684 |
| Net loans and leases to total assets | 67.2942% | 2,926 |
| Net loans and leases to deposits | 76.5296% | 3,285 |
| Net loans and leases to core deposits | 81.8892% | 3,273 |
| Total domestic deposits to total assets | 87.9322% | 1,134 |
| Equity capital to assets | 11.8725% | 2,286 |
| Core capital (leverage) ratio | 11.5949% | 2,094 |
| Tier 1 risk-based capital ratio | 16.7135% | 2,174 |
| Total risk-based capital ratio | 17.7440% | 2,186 |
| Memoranda: | ||
| Average total assets | $118,026,000 | 3,795 |
| Average earning assets | $103,987,670 | 3,870 |
| Average equity | $13,988,670 | 3,790 |
| Average total loans | $83,099,670 | 3,593 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1146% | 1,072 |
| Cost of funding earning assets | 0.6973% | 3,069 |
| Net interest margin | 4.4173% | 862 |
| Noninterest income to average assets | 0.3525% | 3,496 |
| Noninterest expense to average assets | 3.3538% | 1,188 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6556% | 4,073 |
| Return on assets (ROA) | 0.6502% | 4,124 |
| Pretax return on assets | 0.8727% | 3,849 |
| Return on Equity (ROE) | 5.4909% | 4,191 |
| Retained earnings to average equity (ytd only) | 5.4909% | 2,698 |
| Net charge-offs to loans | 0.0048% | 2,535 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 257.0000% | 315 |
| Efficiency ratio | 79.2239% | 1,129 |
| Assets per employee ($millions) | 3.6583% | 4,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0568% | 3,373 |
| Loan loss allowance to noncurrent loans | 9,755.5556% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 3,766 |
| Noncurrent loans to loans | 0.0108% | 4,738 |
| Net loans and leases to total assets | 68.0933% | 2,747 |
| Net loans and leases to deposits | 79.3760% | 2,907 |
| Net loans and leases to core deposits | 83.3460% | 3,076 |
| Total domestic deposits to total assets | 85.7858% | 2,370 |
| Equity capital to assets | 11.6091% | 2,305 |
| Core capital (leverage) ratio | 11.9620% | 1,800 |
| Tier 1 risk-based capital ratio | 16.4167% | 2,297 |
| Total risk-based capital ratio | 17.4456% | 2,315 |
| Memoranda: | ||
| Average total assets | $116,883,000 | 3,851 |
| Average earning assets | $102,686,500 | 3,930 |
| Average equity | $13,841,000 | 3,826 |
| Average total loans | $83,730,000 | 3,618 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8586% | 1,396 |
| Cost of funding earning assets | 0.4076% | 3,943 |
| Net interest margin | 4.4510% | 834 |
| Noninterest income to average assets | 0.4009% | 3,436 |
| Noninterest expense to average assets | 3.4641% | 1,045 |
| Loan and lease loss provision to assets | 0.1553% | 1,352 |
| Net operating income to assets | 0.6135% | 4,375 |
| Return on assets (ROA) | 0.5957% | 4,440 |
| Pretax return on assets | 0.7877% | 4,203 |
| Return on Equity (ROE) | 4.7137% | 4,525 |
| Retained earnings to average equity (ytd only) | 3.7755% | 3,494 |
| Net charge-offs to loans | 0.0338% | 2,727 |
| Credit loss provision to net charge-offs | 634.6154% | 546 |
| Earnings coverage of net charge-offs (x) | 39.4615% | 1,326 |
| Efficiency ratio | 78.2027% | 1,106 |
| Assets per employee ($millions) | 3.7681% | 4,229 |
| Cash dividends to net income (ytd only)* | 19.9052% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0418% | 3,438 |
| Loan loss allowance to noncurrent loans | 2,835.4839% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 3,600 |
| Noncurrent loans to loans | 0.0367% | 4,604 |
| Net loans and leases to total assets | 73.8646% | 1,961 |
| Net loans and leases to deposits | 86.8766% | 2,172 |
| Net loans and leases to core deposits | 92.0829% | 2,398 |
| Total domestic deposits to total assets | 85.0224% | 2,643 |
| Equity capital to assets | 12.0902% | 1,828 |
| Core capital (leverage) ratio | 12.7816% | 1,324 |
| Tier 1 risk-based capital ratio | 16.2377% | 2,326 |
| Total risk-based capital ratio | 17.2707% | 2,339 |
| Memoranda: | ||
| Average total assets | $106,261,400 | 3,997 |
| Average earning assets | $96,180,400 | 4,030 |
| Average equity | $13,428,800 | 3,824 |
| Average total loans | $76,919,200 | 3,729 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7558% | 1,530 |
| Cost of funding earning assets | 0.3561% | 4,142 |
| Net interest margin | 4.3997% | 899 |
| Noninterest income to average assets | 0.4297% | 3,287 |
| Noninterest expense to average assets | 3.5243% | 952 |
| Loan and lease loss provision to assets | 0.1211% | 1,667 |
| Net operating income to assets | 0.6033% | 4,494 |
| Return on assets (ROA) | 0.5993% | 4,510 |
| Pretax return on assets | 0.7969% | 4,300 |
| Return on Equity (ROE) | 4.6872% | 4,654 |
| Retained earnings to average equity (ytd only) | 4.6872% | 3,403 |
| Net charge-offs to loans | 0.0355% | 2,374 |
| Credit loss provision to net charge-offs | 475.0000% | 731 |
| Earnings coverage of net charge-offs (x) | 36.1946% | 1,428 |
| Efficiency ratio | 79.2431% | 1,015 |
| Assets per employee ($millions) | 3.7245% | 4,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 3,721 |
| Loan loss allowance to noncurrent loans | 1,116.4384% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.3097% | 3,453 |
| Noncurrent loans to loans | 0.0900% | 4,483 |
| Net loans and leases to total assets | 76.9655% | 1,509 |
| Net loans and leases to deposits | 91.6319% | 1,667 |
| Net loans and leases to core deposits | 98.8607% | 1,879 |
| Total domestic deposits to total assets | 83.9942% | 2,941 |
| Equity capital to assets | 12.9498% | 1,359 |
| Core capital (leverage) ratio | 13.0805% | 1,245 |
| Tier 1 risk-based capital ratio | 16.6154% | 2,238 |
| Total risk-based capital ratio | 17.5981% | 2,262 |
| Memoranda: | ||
| Average total assets | $104,566,250 | 4,059 |
| Average earning assets | $95,488,500 | 4,088 |
| Average equity | $13,369,250 | 3,867 |
| Average total loans | $75,054,750 | 3,810 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6878% | 1,535 |
| Cost of funding earning assets | 0.3317% | 4,191 |
| Net interest margin | 4.3561% | 932 |
| Noninterest income to average assets | 0.4185% | 3,367 |
| Noninterest expense to average assets | 3.5104% | 988 |
| Loan and lease loss provision to assets | 0.0669% | 2,557 |
| Net operating income to assets | 0.6000% | 4,491 |
| Return on assets (ROA) | 0.6000% | 4,497 |
| Pretax return on assets | 0.8064% | 4,227 |
| Return on Equity (ROE) | 4.7133% | 4,634 |
| Retained earnings to average equity (ytd only) | 4.7133% | 3,229 |
| Net charge-offs to loans | 0.0164% | 2,593 |
| Credit loss provision to net charge-offs | 583.3333% | 638 |
| Earnings coverage of net charge-offs (x) | 76.1667% | 849 |
| Efficiency ratio | 80.0785% | 1,013 |
| Assets per employee ($millions) | 3.5247% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0494% | 3,538 |
| Loan loss allowance to noncurrent loans | 5,492.8571% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.2903% | 3,607 |
| Noncurrent loans to loans | 0.0191% | 4,853 |
| Net loans and leases to total assets | 68.5713% | 2,779 |
| Net loans and leases to deposits | 81.2879% | 2,836 |
| Net loans and leases to core deposits | 88.1503% | 2,702 |
| Total domestic deposits to total assets | 84.3561% | 2,931 |
| Equity capital to assets | 12.6980% | 1,440 |
| Core capital (leverage) ratio | 12.7575% | 1,325 |
| Tier 1 risk-based capital ratio | 17.7045% | 1,887 |
| Total risk-based capital ratio | 18.7039% | 1,907 |
| Memoranda: | ||
| Average total assets | $104,659,330 | 4,101 |
| Average earning assets | $95,267,670 | 4,125 |
| Average equity | $13,324,000 | 3,895 |
| Average total loans | $73,046,330 | 3,869 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6234% | 1,503 |
| Cost of funding earning assets | 0.2856% | 4,456 |
| Net interest margin | 4.3379% | 883 |
| Noninterest income to average assets | 0.4725% | 2,985 |
| Noninterest expense to average assets | 3.4999% | 1,001 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6877% | 4,143 |
| Return on assets (ROA) | 0.6877% | 4,148 |
| Pretax return on assets | 0.9412% | 3,726 |
| Return on Equity (ROE) | 5.3946% | 4,351 |
| Retained earnings to average equity (ytd only) | 5.3946% | 2,994 |
| Net charge-offs to loans | 0.0219% | 2,063 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 61.2500% | 836 |
| Efficiency ratio | 78.8062% | 1,283 |
| Assets per employee ($millions) | 3.6394% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 3,876 |
| Loan loss allowance to noncurrent loans | 4,906.6667% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.3686% | 3,355 |
| Noncurrent loans to loans | 0.0206% | 4,895 |
| Net loans and leases to total assets | 68.1937% | 2,741 |
| Net loans and leases to deposits | 80.8059% | 2,719 |
| Net loans and leases to core deposits | 86.5424% | 2,756 |
| Total domestic deposits to total assets | 84.3920% | 3,153 |
| Equity capital to assets | 12.6101% | 1,423 |
| Core capital (leverage) ratio | 12.9792% | 1,187 |
| Tier 1 risk-based capital ratio | 17.9463% | 1,853 |
| Total risk-based capital ratio | 18.9258% | 1,876 |
| Memoranda: | ||
| Average total assets | $104,118,500 | 4,161 |
| Average earning assets | $95,254,500 | 4,167 |
| Average equity | $13,272,500 | 3,933 |
| Average total loans | $72,931,000 | 3,912 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0681% | 3,177 |
| Cost of funding earning assets | 0.2513% | 4,548 |
| Net interest margin | 3.8168% | 2,368 |
| Noninterest income to average assets | 0.4715% | 3,177 |
| Noninterest expense to average assets | 3.0044% | 2,161 |
| Loan and lease loss provision to assets | 0.1882% | 1,119 |
| Net operating income to assets | 0.2697% | 4,985 |
| Return on assets (ROA) | 0.2697% | 5,001 |
| Pretax return on assets | 0.7712% | 4,329 |
| Return on Equity (ROE) | 2.0949% | 5,041 |
| Retained earnings to average equity (ytd only) | 1.1906% | 4,550 |
| Net charge-offs to loans | 0.0184% | 3,486 |
| Credit loss provision to net charge-offs | 1,616.6667% | 241 |
| Earnings coverage of net charge-offs (x) | 82.4167% | 752 |
| Efficiency ratio | 75.7954% | 1,651 |
| Assets per employee ($millions) | 3.6677% | 4,487 |
| Cash dividends to net income (ytd only)* | 43.1655% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0116% | 3,869 |
| Loan loss allowance to noncurrent loans | 4,625.0000% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.4840% | 2,946 |
| Noncurrent loans to loans | 0.0219% | 4,916 |
| Net loans and leases to total assets | 70.5127% | 2,445 |
| Net loans and leases to deposits | 83.9795% | 2,492 |
| Net loans and leases to core deposits | 89.8614% | 2,579 |
| Total domestic deposits to total assets | 83.9642% | 3,224 |
| Equity capital to assets | 12.8887% | 1,320 |
| Core capital (leverage) ratio | 13.0899% | 1,115 |
| Tier 1 risk-based capital ratio | 18.2175% | 1,735 |
| Total risk-based capital ratio | 19.2287% | 1,757 |
| Memoranda: | ||
| Average total assets | $103,082,600 | 4,187 |
| Average earning assets | $94,318,800 | 4,195 |
| Average equity | $13,270,600 | 3,949 |
| Average total loans | $65,092,600 | 4,067 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0087% | 3,325 |
| Cost of funding earning assets | 0.2512% | 4,554 |
| Net interest margin | 3.7575% | 2,548 |
| Noninterest income to average assets | 0.4872% | 3,104 |
| Noninterest expense to average assets | 2.8739% | 2,495 |
| Loan and lease loss provision to assets | 0.0762% | 2,549 |
| Net operating income to assets | 0.4264% | 4,940 |
| Return on assets (ROA) | 0.4264% | 4,969 |
| Pretax return on assets | 0.9394% | 3,898 |
| Return on Equity (ROE) | 3.3134% | 5,036 |
| Retained earnings to average equity (ytd only) | 3.3134% | 3,956 |
| Net charge-offs to loans | -0.0507% | 5,166 |
| Credit loss provision to net charge-offs | -245.8333% | 4,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8870% | 1,915 |
| Assets per employee ($millions) | 4.2800% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 3,990 |
| Loan loss allowance to noncurrent loans | 2,210.3448% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.5861% | 2,755 |
| Noncurrent loans to loans | 0.0458% | 4,909 |
| Net loans and leases to total assets | 60.9790% | 3,768 |
| Net loans and leases to deposits | 72.7872% | 3,689 |
| Net loans and leases to core deposits | 77.7057% | 3,665 |
| Total domestic deposits to total assets | 83.7771% | 3,199 |
| Equity capital to assets | 13.1242% | 1,326 |
| Core capital (leverage) ratio | 13.3113% | 1,101 |
| Tier 1 risk-based capital ratio | 21.0457% | 1,187 |
| Total risk-based capital ratio | 22.0465% | 1,201 |
| Memoranda: | ||
| Average total assets | $103,179,500 | 4,223 |
| Average earning assets | $93,427,500 | 4,250 |
| Average equity | $13,279,250 | 3,987 |
| Average total loans | $63,077,500 | 4,153 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0195% | 3,137 |
| Cost of funding earning assets | 0.2436% | 4,603 |
| Net interest margin | 3.7759% | 2,383 |
| Noninterest income to average assets | 0.4839% | 3,123 |
| Noninterest expense to average assets | 2.8471% | 2,592 |
| Loan and lease loss provision to assets | 0.0658% | 2,657 |
| Net operating income to assets | 0.6039% | 4,290 |
| Return on assets (ROA) | 0.6039% | 4,334 |
| Pretax return on assets | 0.9310% | 3,824 |
| Return on Equity (ROE) | 4.7230% | 4,595 |
| Retained earnings to average equity (ytd only) | 4.7230% | 2,901 |
| Net charge-offs to loans | -0.1428% | 5,517 |
| Credit loss provision to net charge-offs | -75.5556% | 4,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0685% | 2,006 |
| Assets per employee ($millions) | 4.0764% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 3,921 |
| Loan loss allowance to noncurrent loans | 351.9337% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.8341% | 2,124 |
| Noncurrent loans to loans | 0.2947% | 3,986 |
| Net loans and leases to total assets | 59.6344% | 3,872 |
| Net loans and leases to deposits | 71.1948% | 3,808 |
| Net loans and leases to core deposits | 76.5724% | 3,723 |
| Total domestic deposits to total assets | 83.7623% | 3,302 |
| Equity capital to assets | 13.1880% | 1,286 |
| Core capital (leverage) ratio | 12.8327% | 1,247 |
| Tier 1 risk-based capital ratio | 21.5113% | 1,118 |
| Total risk-based capital ratio | 22.5305% | 1,129 |
| Memoranda: | ||
| Average total assets | $103,333,000 | 4,251 |
| Average earning assets | $91,951,000 | 4,310 |
| Average equity | $13,212,000 | 4,005 |
| Average total loans | $63,010,670 | 4,174 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0478% | 2,861 |
| Cost of funding earning assets | 0.2505% | 4,532 |
| Net interest margin | 3.7973% | 2,120 |
| Noninterest income to average assets | 0.4767% | 3,144 |
| Noninterest expense to average assets | 2.7104% | 3,103 |
| Loan and lease loss provision to assets | 0.1000% | 1,891 |
| Net operating income to assets | 0.5805% | 4,238 |
| Return on assets (ROA) | 0.5805% | 4,279 |
| Pretax return on assets | 0.9304% | 3,658 |
| Return on Equity (ROE) | 4.6114% | 4,559 |
| Retained earnings to average equity (ytd only) | 4.6114% | 3,116 |
| Net charge-offs to loans | 0.0627% | 1,704 |
| Credit loss provision to net charge-offs | 260.0000% | 860 |
| Earnings coverage of net charge-offs (x) | 26.8000% | 1,292 |
| Efficiency ratio | 72.4563% | 2,497 |
| Assets per employee ($millions) | 4.3375% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9256% | 4,658 |
| Loan loss allowance to noncurrent loans | 181.9048% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.9059% | 2,042 |
| Noncurrent loans to loans | 0.5088% | 3,288 |
| Net loans and leases to total assets | 58.9159% | 3,892 |
| Net loans and leases to deposits | 69.8518% | 3,811 |
| Net loans and leases to core deposits | 74.3409% | 3,801 |
| Total domestic deposits to total assets | 84.3441% | 3,345 |
| Equity capital to assets | 12.6934% | 1,406 |
| Core capital (leverage) ratio | 12.9661% | 1,158 |
| Tier 1 risk-based capital ratio | 20.6649% | 1,272 |
| Total risk-based capital ratio | 21.5564% | 1,298 |
| Memoranda: | ||
| Average total assets | $104,044,000 | 4,280 |
| Average earning assets | $89,431,000 | 4,411 |
| Average equity | $13,098,000 | 4,044 |
| Average total loans | $63,810,500 | 4,187 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4184% | 1,773 |
| Cost of funding earning assets | 0.2598% | 4,465 |
| Net interest margin | 4.1585% | 1,218 |
| Noninterest income to average assets | 0.4900% | 3,303 |
| Noninterest expense to average assets | 2.9114% | 2,632 |
| Loan and lease loss provision to assets | 0.2932% | 651 |
| Net operating income to assets | 0.5887% | 4,260 |
| Return on assets (ROA) | 0.5894% | 4,365 |
| Pretax return on assets | 0.8907% | 3,880 |
| Return on Equity (ROE) | 4.4802% | 4,669 |
| Retained earnings to average equity (ytd only) | 3.5548% | 3,396 |
| Net charge-offs to loans | 0.4193% | 622 |
| Credit loss provision to net charge-offs | 103.5842% | 2,500 |
| Earnings coverage of net charge-offs (x) | 4.1792% | 3,540 |
| Efficiency ratio | 71.1100% | 2,724 |
| Assets per employee ($millions) | 4.3328% | 3,390 |
| Cash dividends to net income (ytd only)* | 20.6540% | 3,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8491% | 4,961 |
| Loan loss allowance to noncurrent loans | 174.3750% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 1.0069% | 1,879 |
| Noncurrent loans to loans | 0.4869% | 3,410 |
| Net loans and leases to total assets | 62.6598% | 3,518 |
| Net loans and leases to deposits | 78.6638% | 3,022 |
| Net loans and leases to core deposits | 82.4576% | 3,180 |
| Total domestic deposits to total assets | 79.6551% | 4,643 |
| Equity capital to assets | 12.4843% | 1,537 |
| Core capital (leverage) ratio | 13.2461% | 1,045 |
| Tier 1 risk-based capital ratio | 19.7343% | 1,431 |
| Total risk-based capital ratio | 20.5728% | 1,480 |
| Memoranda: | ||
| Average total assets | $98,576,400 | 4,374 |
| Average earning assets | $85,438,800 | 4,487 |
| Average equity | $12,968,200 | 4,092 |
| Average total loans | $66,539,000 | 4,129 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4691% | 1,634 |
| Cost of funding earning assets | 0.2596% | 4,512 |
| Net interest margin | 4.2096% | 1,103 |
| Noninterest income to average assets | 0.4951% | 3,289 |
| Noninterest expense to average assets | 2.9553% | 2,442 |
| Loan and lease loss provision to assets | 0.1920% | 1,130 |
| Net operating income to assets | 0.6807% | 3,956 |
| Return on assets (ROA) | 0.6816% | 4,078 |
| Pretax return on assets | 1.0189% | 3,560 |
| Return on Equity (ROE) | 5.1112% | 4,471 |
| Retained earnings to average equity (ytd only) | 5.1112% | 2,750 |
| Net charge-offs to loans | 0.4555% | 463 |
| Credit loss provision to net charge-offs | 61.4035% | 2,892 |
| Earnings coverage of net charge-offs (x) | 3.8684% | 3,351 |
| Efficiency ratio | 70.9582% | 2,750 |
| Assets per employee ($millions) | 4.3457% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6960% | 5,437 |
| Loan loss allowance to noncurrent loans | 126.0274% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 1.2306% | 1,605 |
| Noncurrent loans to loans | 0.5522% | 3,341 |
| Net loans and leases to total assets | 65.6662% | 3,177 |
| Net loans and leases to deposits | 83.5580% | 2,535 |
| Net loans and leases to core deposits | 87.8141% | 2,779 |
| Total domestic deposits to total assets | 78.5875% | 4,811 |
| Equity capital to assets | 13.2955% | 1,348 |
| Core capital (leverage) ratio | 13.1582% | 1,129 |
| Tier 1 risk-based capital ratio | 19.5430% | 1,539 |
| Total risk-based capital ratio | 20.2256% | 1,635 |
| Memoranda: | ||
| Average total assets | $97,223,750 | 4,435 |
| Average earning assets | $84,757,250 | 4,535 |
| Average equity | $12,964,750 | 4,132 |
| Average total loans | $66,744,750 | 4,149 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5292% | 1,432 |
| Cost of funding earning assets | 0.2478% | 4,682 |
| Net interest margin | 4.2815% | 960 |
| Noninterest income to average assets | 0.4838% | 3,308 |
| Noninterest expense to average assets | 3.0213% | 2,274 |
| Loan and lease loss provision to assets | 0.2907% | 628 |
| Net operating income to assets | 0.5690% | 4,402 |
| Return on assets (ROA) | 0.5690% | 4,529 |
| Pretax return on assets | 0.9033% | 3,942 |
| Return on Equity (ROE) | 4.2624% | 4,814 |
| Retained earnings to average equity (ytd only) | 4.2624% | 3,200 |
| Net charge-offs to loans | 0.6690% | 306 |
| Credit loss provision to net charge-offs | 62.5000% | 2,547 |
| Earnings coverage of net charge-offs (x) | 2.5670% | 3,254 |
| Efficiency ratio | 71.6749% | 2,719 |
| Assets per employee ($millions) | 4.4034% | 3,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6870% | 5,540 |
| Loan loss allowance to noncurrent loans | 98.5138% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 1.2810% | 1,590 |
| Noncurrent loans to loans | 0.6973% | 2,987 |
| Net loans and leases to total assets | 69.2436% | 2,599 |
| Net loans and leases to deposits | 88.5601% | 1,912 |
| Net loans and leases to core deposits | 93.2598% | 2,236 |
| Total domestic deposits to total assets | 78.1882% | 4,967 |
| Equity capital to assets | 13.4628% | 1,253 |
| Core capital (leverage) ratio | 13.4120% | 1,011 |
| Tier 1 risk-based capital ratio | 18.8037% | 1,737 |
| Total risk-based capital ratio | 19.4777% | 1,836 |
| Memoranda: | ||
| Average total assets | $96,314,670 | 4,493 |
| Average earning assets | $83,943,330 | 4,590 |
| Average equity | $12,856,670 | 4,167 |
| Average total loans | $66,961,670 | 4,172 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5100% | 1,478 |
| Cost of funding earning assets | 0.2759% | 4,433 |
| Net interest margin | 4.2340% | 1,026 |
| Noninterest income to average assets | 0.5165% | 3,013 |
| Noninterest expense to average assets | 2.9698% | 2,481 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8122% | 3,177 |
| Return on assets (ROA) | 0.8122% | 3,302 |
| Pretax return on assets | 1.2537% | 2,485 |
| Return on Equity (ROE) | 6.1109% | 3,928 |
| Retained earnings to average equity (ytd only) | 6.1109% | 2,326 |
| Net charge-offs to loans | 0.0060% | 2,910 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 301.0000% | 199 |
| Efficiency ratio | 70.3156% | 3,065 |
| Assets per employee ($millions) | 4.1160% | 3,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8139% | 5,327 |
| Loan loss allowance to noncurrent loans | 112.0902% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.2950% | 1,664 |
| Noncurrent loans to loans | 0.7261% | 3,020 |
| Net loans and leases to total assets | 70.4138% | 2,280 |
| Net loans and leases to deposits | 87.0485% | 1,939 |
| Net loans and leases to core deposits | 91.2988% | 2,248 |
| Total domestic deposits to total assets | 80.8903% | 4,525 |
| Equity capital to assets | 13.6328% | 1,124 |
| Core capital (leverage) ratio | 13.3961% | 1,021 |
| Tier 1 risk-based capital ratio | 18.9344% | 1,750 |
| Total risk-based capital ratio | 19.7393% | 1,813 |
| Memoranda: | ||
| Average total assets | $96,035,000 | 4,531 |
| Average earning assets | $84,080,500 | 4,618 |
| Average equity | $12,764,000 | 4,200 |
| Average total loans | $66,671,000 | 4,200 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5104% | 1,557 |
| Cost of funding earning assets | 0.3108% | 4,131 |
| Net interest margin | 4.1996% | 1,177 |
| Noninterest income to average assets | 0.4446% | 3,710 |
| Noninterest expense to average assets | 2.8201% | 3,148 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8627% | 3,057 |
| Return on assets (ROA) | 0.8744% | 3,086 |
| Pretax return on assets | 1.3432% | 2,116 |
| Return on Equity (ROE) | 6.7669% | 3,640 |
| Retained earnings to average equity (ytd only) | 5.8293% | 1,880 |
| Net charge-offs to loans | 0.0136% | 4,024 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 139.7778% | 444 |
| Efficiency ratio | 68.0305% | 3,569 |
| Assets per employee ($millions) | 4.4273% | 3,158 |
| Cash dividends to net income (ytd only)* | 13.8554% | 3,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8286% | 5,331 |
| Loan loss allowance to noncurrent loans | 276.7677% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 1.0986% | 2,001 |
| Noncurrent loans to loans | 0.2994% | 4,384 |
| Net loans and leases to total assets | 67.3371% | 2,812 |
| Net loans and leases to deposits | 84.0859% | 2,349 |
| Net loans and leases to core deposits | 87.5217% | 2,649 |
| Total domestic deposits to total assets | 80.0813% | 4,724 |
| Equity capital to assets | 12.9588% | 1,371 |
| Core capital (leverage) ratio | 13.0718% | 1,120 |
| Tier 1 risk-based capital ratio | 18.7484% | 1,761 |
| Total risk-based capital ratio | 19.5591% | 1,836 |
| Memoranda: | ||
| Average total assets | $94,926,000 | 4,564 |
| Average earning assets | $83,650,400 | 4,641 |
| Average equity | $12,265,600 | 4,253 |
| Average total loans | $66,207,800 | 4,193 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4875% | 1,627 |
| Cost of funding earning assets | 0.3106% | 4,221 |
| Net interest margin | 4.1769% | 1,220 |
| Noninterest income to average assets | 0.4468% | 3,738 |
| Noninterest expense to average assets | 2.8643% | 2,960 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8355% | 3,246 |
| Return on assets (ROA) | 0.8511% | 3,256 |
| Pretax return on assets | 1.3134% | 2,343 |
| Return on Equity (ROE) | 6.5918% | 3,842 |
| Retained earnings to average equity (ytd only) | 6.5918% | 1,893 |
| Net charge-offs to loans | 0.0121% | 3,751 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 151.9963% | 462 |
| Efficiency ratio | 68.9585% | 3,383 |
| Assets per employee ($millions) | 4.7666% | 2,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8242% | 5,455 |
| Loan loss allowance to noncurrent loans | 271.4286% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 1.1769% | 2,010 |
| Noncurrent loans to loans | 0.3037% | 4,515 |
| Net loans and leases to total assets | 69.5454% | 2,457 |
| Net loans and leases to deposits | 87.0706% | 2,016 |
| Net loans and leases to core deposits | 90.7162% | 2,385 |
| Total domestic deposits to total assets | 79.8724% | 4,777 |
| Equity capital to assets | 13.1152% | 1,387 |
| Core capital (leverage) ratio | 13.3107% | 1,092 |
| Tier 1 risk-based capital ratio | 18.2940% | 1,960 |
| Total risk-based capital ratio | 19.0966% | 2,045 |
| Memoranda: | ||
| Average total assets | $94,307,250 | 4,630 |
| Average earning assets | $83,696,500 | 4,700 |
| Average equity | $12,176,500 | 4,319 |
| Average total loans | $66,226,000 | 4,234 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5153% | 1,483 |
| Cost of funding earning assets | 0.3155% | 4,214 |
| Net interest margin | 4.1998% | 1,109 |
| Noninterest income to average assets | 0.4704% | 3,558 |
| Noninterest expense to average assets | 2.8968% | 2,907 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8282% | 3,226 |
| Return on assets (ROA) | 0.8514% | 3,225 |
| Pretax return on assets | 1.3218% | 2,281 |
| Return on Equity (ROE) | 6.6293% | 3,818 |
| Retained earnings to average equity (ytd only) | 6.6293% | 1,887 |
| Net charge-offs to loans | 0.0151% | 3,408 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 120.8000% | 522 |
| Efficiency ratio | 69.2621% | 3,451 |
| Assets per employee ($millions) | 4.4524% | 3,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8486% | 5,474 |
| Loan loss allowance to noncurrent loans | 27,600.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.9850% | 2,555 |
| Noncurrent loans to loans | 0.0031% | 5,766 |
| Net loans and leases to total assets | 68.9797% | 2,487 |
| Net loans and leases to deposits | 83.0984% | 2,426 |
| Net loans and leases to core deposits | 86.5033% | 2,714 |
| Total domestic deposits to total assets | 83.0096% | 3,955 |
| Equity capital to assets | 13.0332% | 1,386 |
| Core capital (leverage) ratio | 13.1592% | 1,110 |
| Tier 1 risk-based capital ratio | 18.6873% | 1,875 |
| Total risk-based capital ratio | 19.5221% | 1,956 |
| Memoranda: | ||
| Average total assets | $93,965,670 | 4,682 |
| Average earning assets | $83,051,000 | 4,761 |
| Average equity | $12,067,670 | 4,370 |
| Average total loans | $66,018,000 | 4,275 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5298% | 1,378 |
| Cost of funding earning assets | 0.3236% | 4,180 |
| Net interest margin | 4.2062% | 1,046 |
| Noninterest income to average assets | 0.5096% | 3,222 |
| Noninterest expense to average assets | 2.9470% | 2,750 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8837% | 2,826 |
| Return on assets (ROA) | 0.9342% | 2,715 |
| Pretax return on assets | 1.3334% | 2,137 |
| Return on Equity (ROE) | 7.3281% | 3,314 |
| Retained earnings to average equity (ytd only) | 7.3281% | 1,843 |
| Net charge-offs to loans | 0.0301% | 2,584 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 59.4000% | 746 |
| Efficiency ratio | 70.0303% | 3,484 |
| Assets per employee ($millions) | 4.5595% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8339% | 5,612 |
| Loan loss allowance to noncurrent loans | 3,680.0000% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.9702% | 2,678 |
| Noncurrent loans to loans | 0.0227% | 5,714 |
| Net loans and leases to total assets | 68.5605% | 2,357 |
| Net loans and leases to deposits | 82.1304% | 2,328 |
| Net loans and leases to core deposits | 84.8414% | 2,677 |
| Total domestic deposits to total assets | 83.4776% | 4,012 |
| Equity capital to assets | 12.6769% | 1,582 |
| Core capital (leverage) ratio | 12.8626% | 1,210 |
| Tier 1 risk-based capital ratio | 18.0684% | 2,117 |
| Total risk-based capital ratio | 18.8860% | 2,218 |
| Memoranda: | ||
| Average total assets | $94,198,500 | 4,714 |
| Average earning assets | $82,829,500 | 4,806 |
| Average equity | $12,008,500 | 4,410 |
| Average total loans | $66,503,000 | 4,287 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2860% | 2,658 |
| Cost of funding earning assets | 0.3304% | 4,486 |
| Net interest margin | 3.9556% | 2,027 |
| Noninterest income to average assets | 0.4421% | 3,886 |
| Noninterest expense to average assets | 2.9771% | 2,913 |
| Loan and lease loss provision to assets | 0.0265% | 4,077 |
| Net operating income to assets | 0.6996% | 3,892 |
| Return on assets (ROA) | 0.7623% | 3,658 |
| Pretax return on assets | 1.1779% | 2,745 |
| Return on Equity (ROE) | 6.3364% | 3,984 |
| Retained earnings to average equity (ytd only) | 5.8869% | 1,994 |
| Net charge-offs to loans | 0.1109% | 2,931 |
| Credit loss provision to net charge-offs | 36.7647% | 3,739 |
| Earnings coverage of net charge-offs (x) | 15.3676% | 2,086 |
| Efficiency ratio | 72.8783% | 3,058 |
| Assets per employee ($millions) | 4.6324% | 2,827 |
| Cash dividends to net income (ytd only)* | 7.0932% | 4,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8337% | 5,676 |
| Loan loss allowance to noncurrent loans | 3,713.3333% | 204 |
| Noncurrent assets plus other real estate owned to assets | 1.1312% | 2,497 |
| Noncurrent loans to loans | 0.0225% | 5,799 |
| Net loans and leases to total assets | 71.5083% | 1,990 |
| Net loans and leases to deposits | 86.0760% | 1,972 |
| Net loans and leases to core deposits | 89.0267% | 2,379 |
| Total domestic deposits to total assets | 83.0757% | 4,050 |
| Equity capital to assets | 12.8216% | 1,452 |
| Core capital (leverage) ratio | 12.9737% | 1,152 |
| Tier 1 risk-based capital ratio | 18.0030% | 2,139 |
| Total risk-based capital ratio | 18.8418% | 2,249 |
| Memoranda: | ||
| Average total assets | $94,320,800 | 4,744 |
| Average earning assets | $86,864,200 | 4,721 |
| Average equity | $11,347,200 | 4,487 |
| Average total loans | $61,340,600 | 4,450 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1886% | 3,032 |
| Cost of funding earning assets | 0.3331% | 4,532 |
| Net interest margin | 3.8556% | 2,412 |
| Noninterest income to average assets | 0.4292% | 4,028 |
| Noninterest expense to average assets | 2.9343% | 3,010 |
| Loan and lease loss provision to assets | 0.0352% | 3,699 |
| Net operating income to assets | 0.6755% | 4,075 |
| Return on assets (ROA) | 0.6755% | 4,164 |
| Pretax return on assets | 1.0274% | 3,480 |
| Return on Equity (ROE) | 5.7068% | 4,389 |
| Retained earnings to average equity (ytd only) | 5.7068% | 2,596 |
| Net charge-offs to loans | 0.1045% | 2,754 |
| Credit loss provision to net charge-offs | 53.1915% | 3,057 |
| Earnings coverage of net charge-offs (x) | 16.0625% | 2,008 |
| Efficiency ratio | 73.4155% | 2,919 |
| Assets per employee ($millions) | 4.6363% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9308% | 5,495 |
| Loan loss allowance to noncurrent loans | 281.4634% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 1.4246% | 2,164 |
| Noncurrent loans to loans | 0.3307% | 4,912 |
| Net loans and leases to total assets | 66.2339% | 2,817 |
| Net loans and leases to deposits | 79.4083% | 2,779 |
| Net loans and leases to core deposits | 81.8422% | 3,114 |
| Total domestic deposits to total assets | 83.4092% | 3,991 |
| Equity capital to assets | 12.5240% | 1,681 |
| Core capital (leverage) ratio | 12.7101% | 1,299 |
| Tier 1 risk-based capital ratio | 18.7777% | 1,964 |
| Total risk-based capital ratio | 19.6984% | 2,034 |
| Memoranda: | ||
| Average total assets | $94,739,000 | 4,777 |
| Average earning assets | $87,663,750 | 4,750 |
| Average equity | $11,214,250 | 4,548 |
| Average total loans | $59,973,750 | 4,527 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0984% | 3,348 |
| Cost of funding earning assets | 0.3308% | 4,635 |
| Net interest margin | 3.7676% | 2,679 |
| Noninterest income to average assets | 0.4171% | 4,119 |
| Noninterest expense to average assets | 2.9137% | 3,115 |
| Loan and lease loss provision to assets | 0.0440% | 3,437 |
| Net operating income to assets | 0.6331% | 4,190 |
| Return on assets (ROA) | 0.6331% | 4,291 |
| Pretax return on assets | 0.9685% | 3,616 |
| Return on Equity (ROE) | 5.4506% | 4,463 |
| Retained earnings to average equity (ytd only) | 5.4506% | 2,671 |
| Net charge-offs to loans | 0.1551% | 2,151 |
| Credit loss provision to net charge-offs | 45.6522% | 2,854 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 2,243 |
| Efficiency ratio | 74.2125% | 2,941 |
| Assets per employee ($millions) | 4.6481% | 2,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 5,498 |
| Loan loss allowance to noncurrent loans | 275.1196% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 1.4372% | 2,266 |
| Noncurrent loans to loans | 0.3516% | 4,944 |
| Net loans and leases to total assets | 63.3201% | 3,192 |
| Net loans and leases to deposits | 75.5797% | 3,113 |
| Net loans and leases to core deposits | 78.2534% | 3,411 |
| Total domestic deposits to total assets | 83.7792% | 4,004 |
| Equity capital to assets | 12.2578% | 1,806 |
| Core capital (leverage) ratio | 12.2720% | 1,514 |
| Tier 1 risk-based capital ratio | 19.0870% | 1,900 |
| Total risk-based capital ratio | 20.0339% | 1,940 |
| Memoranda: | ||
| Average total assets | $95,410,000 | 4,787 |
| Average earning assets | $88,863,000 | 4,758 |
| Average equity | $11,081,330 | 4,591 |
| Average total loans | $59,300,670 | 4,571 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0455% | 3,498 |
| Cost of funding earning assets | 0.3342% | 4,701 |
| Net interest margin | 3.7113% | 2,818 |
| Noninterest income to average assets | 0.4057% | 4,139 |
| Noninterest expense to average assets | 2.8892% | 3,254 |
| Loan and lease loss provision to assets | 0.0455% | 3,188 |
| Net operating income to assets | 0.5919% | 4,231 |
| Return on assets (ROA) | 0.5919% | 4,309 |
| Pretax return on assets | 0.9189% | 3,630 |
| Return on Equity (ROE) | 5.2359% | 4,430 |
| Retained earnings to average equity (ytd only) | 5.2359% | 2,976 |
| Net charge-offs to loans | 0.2701% | 1,262 |
| Credit loss provision to net charge-offs | 27.5000% | 2,419 |
| Earnings coverage of net charge-offs (x) | 5.8250% | 2,324 |
| Efficiency ratio | 74.9731% | 2,977 |
| Assets per employee ($millions) | 5.0503% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 5,678 |
| Loan loss allowance to noncurrent loans | 14,275.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 1.1787% | 2,899 |
| Noncurrent loans to loans | 0.0067% | 6,168 |
| Net loans and leases to total assets | 61.5751% | 3,300 |
| Net loans and leases to deposits | 72.7567% | 3,238 |
| Net loans and leases to core deposits | 76.1218% | 3,397 |
| Total domestic deposits to total assets | 84.6315% | 4,032 |
| Equity capital to assets | 11.5449% | 2,207 |
| Core capital (leverage) ratio | 11.7533% | 1,797 |
| Tier 1 risk-based capital ratio | 18.4977% | 2,126 |
| Total risk-based capital ratio | 19.4217% | 2,195 |
| Memoranda: | ||
| Average total assets | $96,634,500 | 4,808 |
| Average earning assets | $89,779,000 | 4,779 |
| Average equity | $10,924,500 | 4,639 |
| Average total loans | $59,232,000 | 4,616 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2109% | 3,310 |
| Cost of funding earning assets | 0.3956% | 4,696 |
| Net interest margin | 3.8153% | 2,600 |
| Noninterest income to average assets | 0.4332% | 4,208 |
| Noninterest expense to average assets | 2.9344% | 3,261 |
| Loan and lease loss provision to assets | 0.1528% | 2,367 |
| Net operating income to assets | 0.8927% | 2,818 |
| Return on assets (ROA) | 0.9268% | 2,737 |
| Pretax return on assets | 0.8477% | 3,970 |
| Return on Equity (ROE) | 8.0476% | 3,019 |
| Retained earnings to average equity (ytd only) | 8.0476% | 1,042 |
| Net charge-offs to loans | 0.3278% | 2,038 |
| Credit loss provision to net charge-offs | 73.5450% | 3,214 |
| Earnings coverage of net charge-offs (x) | 4.6508% | 3,500 |
| Efficiency ratio | 75.2255% | 2,912 |
| Assets per employee ($millions) | 4.8657% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 5,463 |
| Loan loss allowance to noncurrent loans | 65.2884% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 1.2270% | 2,950 |
| Noncurrent loans to loans | 1.5627% | 2,553 |
| Net loans and leases to total assets | 59.8152% | 3,750 |
| Net loans and leases to deposits | 71.6080% | 3,577 |
| Net loans and leases to core deposits | 74.9157% | 3,743 |
| Total domestic deposits to total assets | 83.5315% | 4,349 |
| Equity capital to assets | 11.0684% | 2,552 |
| Core capital (leverage) ratio | 12.0659% | 1,559 |
| Tier 1 risk-based capital ratio | 18.4381% | 2,102 |
| Total risk-based capital ratio | 19.4182% | 2,154 |
| Memoranda: | ||
| Average total assets | $90,957,000 | 4,955 |
| Average earning assets | $82,666,200 | 4,962 |
| Average equity | $10,475,200 | 4,749 |
| Average total loans | $57,658,200 | 4,695 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2559% | 3,174 |
| Cost of funding earning assets | 0.4093% | 4,740 |
| Net interest margin | 3.8466% | 2,478 |
| Noninterest income to average assets | 0.4267% | 4,325 |
| Noninterest expense to average assets | 3.0003% | 2,994 |
| Loan and lease loss provision to assets | 0.0194% | 4,621 |
| Net operating income to assets | 0.5554% | 4,554 |
| Return on assets (ROA) | 0.5774% | 4,576 |
| Pretax return on assets | 0.9190% | 3,795 |
| Return on Equity (ROE) | 4.9608% | 4,746 |
| Retained earnings to average equity (ytd only) | 4.9608% | 3,113 |
| Net charge-offs to loans | 0.0860% | 3,722 |
| Credit loss provision to net charge-offs | 35.1351% | 3,801 |
| Earnings coverage of net charge-offs (x) | 16.3791% | 1,808 |
| Efficiency ratio | 76.8437% | 2,589 |
| Assets per employee ($millions) | 4.5976% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0777% | 5,417 |
| Loan loss allowance to noncurrent loans | 61.3725% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 1.4083% | 2,842 |
| Noncurrent loans to loans | 1.7560% | 2,564 |
| Net loans and leases to total assets | 62.4913% | 3,265 |
| Net loans and leases to deposits | 75.3590% | 3,038 |
| Net loans and leases to core deposits | 78.1764% | 3,338 |
| Total domestic deposits to total assets | 82.9248% | 4,609 |
| Equity capital to assets | 11.2178% | 2,544 |
| Core capital (leverage) ratio | 12.0878% | 1,620 |
| Tier 1 risk-based capital ratio | 17.9243% | 2,351 |
| Total risk-based capital ratio | 18.9602% | 2,401 |
| Memoranda: | ||
| Average total assets | $89,368,000 | 5,045 |
| Average earning assets | $80,796,500 | 5,066 |
| Average equity | $10,401,250 | 4,812 |
| Average total loans | $57,370,750 | 4,748 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2127% | 3,313 |
| Cost of funding earning assets | 0.4185% | 4,767 |
| Net interest margin | 3.7941% | 2,576 |
| Noninterest income to average assets | 0.4248% | 4,343 |
| Noninterest expense to average assets | 3.0258% | 2,918 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5226% | 4,706 |
| Return on assets (ROA) | 0.5559% | 4,699 |
| Pretax return on assets | 0.8926% | 3,934 |
| Return on Equity (ROE) | 4.7172% | 4,889 |
| Retained earnings to average equity (ytd only) | 4.7172% | 3,254 |
| Net charge-offs to loans | 0.1190% | 3,178 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 10.9412% | 2,102 |
| Efficiency ratio | 78.2583% | 2,415 |
| Assets per employee ($millions) | 4.4972% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 5,550 |
| Loan loss allowance to noncurrent loans | 60.3922% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 1.4431% | 2,936 |
| Noncurrent loans to loans | 1.7724% | 2,671 |
| Net loans and leases to total assets | 63.2972% | 3,048 |
| Net loans and leases to deposits | 76.5441% | 2,794 |
| Net loans and leases to core deposits | 78.8816% | 3,183 |
| Total domestic deposits to total assets | 82.6937% | 4,812 |
| Equity capital to assets | 11.4316% | 2,351 |
| Core capital (leverage) ratio | 11.7777% | 1,741 |
| Tier 1 risk-based capital ratio | 17.7567% | 2,408 |
| Total risk-based capital ratio | 18.7797% | 2,470 |
| Memoranda: | ||
| Average total assets | $88,506,670 | 5,087 |
| Average earning assets | $80,282,000 | 5,111 |
| Average equity | $10,430,000 | 4,844 |
| Average total loans | $57,131,670 | 4,779 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1497% | 3,515 |
| Cost of funding earning assets | 0.4291% | 4,815 |
| Net interest margin | 3.7206% | 2,774 |
| Noninterest income to average assets | 0.3736% | 4,679 |
| Noninterest expense to average assets | 3.0118% | 2,951 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4650% | 4,853 |
| Return on assets (ROA) | 0.5331% | 4,670 |
| Pretax return on assets | 0.8247% | 4,066 |
| Return on Equity (ROE) | 4.4554% | 4,868 |
| Retained earnings to average equity (ytd only) | 4.4554% | 3,562 |
| Net charge-offs to loans | 0.0211% | 3,746 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 52.6667% | 647 |
| Efficiency ratio | 80.7082% | 2,223 |
| Assets per employee ($millions) | 4.4008% | 3,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 5,456 |
| Loan loss allowance to noncurrent loans | 43.3937% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 1.8440% | 2,554 |
| Noncurrent loans to loans | 2.6202% | 1,963 |
| Net loans and leases to total assets | 63.9179% | 2,724 |
| Net loans and leases to deposits | 77.7742% | 2,369 |
| Net loans and leases to core deposits | 80.2734% | 2,780 |
| Total domestic deposits to total assets | 82.1839% | 5,132 |
| Equity capital to assets | 11.9603% | 2,070 |
| Core capital (leverage) ratio | 12.0597% | 1,535 |
| Tier 1 risk-based capital ratio | 18.1426% | 2,302 |
| Total risk-based capital ratio | 19.2539% | 2,328 |
| Memoranda: | ||
| Average total assets | $87,788,000 | 5,155 |
| Average earning assets | $79,235,500 | 5,176 |
| Average equity | $10,504,000 | 4,884 |
| Average total loans | $56,923,500 | 4,819 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3606% | 3,982 |
| Cost of funding earning assets | 0.5812% | 4,523 |
| Net interest margin | 3.7794% | 3,319 |
| Noninterest income to average assets | 0.2891% | 5,401 |
| Noninterest expense to average assets | 3.0437% | 3,116 |
| Loan and lease loss provision to assets | 0.4098% | 1,575 |
| Net operating income to assets | 0.2159% | 5,744 |
| Return on assets (ROA) | 0.5618% | 4,677 |
| Pretax return on assets | 0.4272% | 5,490 |
| Return on Equity (ROE) | 4.7697% | 4,804 |
| Retained earnings to average equity (ytd only) | 4.7697% | 2,871 |
| Net charge-offs to loans | 0.4882% | 2,277 |
| Credit loss provision to net charge-offs | 133.7121% | 2,094 |
| Earnings coverage of net charge-offs (x) | 1.6023% | 4,642 |
| Efficiency ratio | 86.1084% | 1,421 |
| Assets per employee ($millions) | 4.3780% | 3,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 5,381 |
| Loan loss allowance to noncurrent loans | 42.4282% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 1.9084% | 2,559 |
| Noncurrent loans to loans | 2.6905% | 1,963 |
| Net loans and leases to total assets | 64.2896% | 2,846 |
| Net loans and leases to deposits | 78.1736% | 2,502 |
| Net loans and leases to core deposits | 80.8131% | 2,905 |
| Total domestic deposits to total assets | 82.2396% | 5,015 |
| Equity capital to assets | 11.9701% | 2,062 |
| Core capital (leverage) ratio | 12.2706% | 1,415 |
| Tier 1 risk-based capital ratio | 17.8798% | 2,302 |
| Total risk-based capital ratio | 18.9924% | 2,325 |
| Memoranda: | ||
| Average total assets | $86,144,000 | 5,187 |
| Average earning assets | $73,980,400 | 5,313 |
| Average equity | $10,147,400 | 4,951 |
| Average total loans | $54,076,600 | 4,937 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3611% | 4,202 |
| Cost of funding earning assets | 0.6178% | 4,475 |
| Net interest margin | 3.7433% | 3,590 |
| Noninterest income to average assets | 0.4476% | 4,313 |
| Noninterest expense to average assets | 3.2217% | 2,496 |
| Loan and lease loss provision to assets | 0.5486% | 1,061 |
| Net operating income to assets | -0.1306% | 6,436 |
| Return on assets (ROA) | 0.2533% | 5,965 |
| Pretax return on assets | 0.2533% | 6,036 |
| Return on Equity (ROE) | 2.1595% | 5,983 |
| Retained earnings to average equity (ytd only) | 2.1595% | 5,248 |
| Net charge-offs to loans | 0.3048% | 2,913 |
| Credit loss provision to net charge-offs | 289.3443% | 935 |
| Earnings coverage of net charge-offs (x) | 2.2050% | 4,158 |
| Efficiency ratio | 88.5141% | 1,146 |
| Assets per employee ($millions) | 4.5218% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4194% | 4,292 |
| Loan loss allowance to noncurrent loans | 47.7108% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 2.0939% | 2,544 |
| Noncurrent loans to loans | 2.9749% | 1,880 |
| Net loans and leases to total assets | 64.0261% | 3,024 |
| Net loans and leases to deposits | 77.8874% | 2,674 |
| Net loans and leases to core deposits | 80.6971% | 3,123 |
| Total domestic deposits to total assets | 82.2033% | 4,950 |
| Equity capital to assets | 11.8582% | 2,384 |
| Core capital (leverage) ratio | 11.9891% | 1,661 |
| Tier 1 risk-based capital ratio | 18.0346% | 2,323 |
| Total risk-based capital ratio | 19.3031% | 2,292 |
| Memoranda: | ||
| Average total assets | $85,790,000 | 5,250 |
| Average earning assets | $73,159,500 | 5,395 |
| Average equity | $10,064,000 | 5,012 |
| Average total loans | $53,360,250 | 5,019 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3490% | 4,380 |
| Cost of funding earning assets | 0.6555% | 4,396 |
| Net interest margin | 3.6935% | 3,856 |
| Noninterest income to average assets | 0.4618% | 4,192 |
| Noninterest expense to average assets | 3.2281% | 2,498 |
| Loan and lease loss provision to assets | 0.7067% | 766 |
| Net operating income to assets | -0.3452% | 6,648 |
| Return on assets (ROA) | 0.1073% | 6,299 |
| Pretax return on assets | 0.1073% | 6,310 |
| Return on Equity (ROE) | 0.9179% | 6,314 |
| Retained earnings to average equity (ytd only) | 0.9179% | 5,705 |
| Net charge-offs to loans | 0.0343% | 4,901 |
| Credit loss provision to net charge-offs | 3,366.6667% | 87 |
| Earnings coverage of net charge-offs (x) | 17.2222% | 1,544 |
| Efficiency ratio | 89.9285% | 1,075 |
| Assets per employee ($millions) | 4.5815% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5984% | 3,610 |
| Loan loss allowance to noncurrent loans | 51.3205% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 2.1138% | 2,646 |
| Noncurrent loans to loans | 3.1145% | 1,881 |
| Net loans and leases to total assets | 60.4678% | 3,742 |
| Net loans and leases to deposits | 73.1848% | 3,432 |
| Net loans and leases to core deposits | 77.1257% | 3,640 |
| Total domestic deposits to total assets | 82.6234% | 4,896 |
| Equity capital to assets | 11.5442% | 2,548 |
| Core capital (leverage) ratio | 11.5973% | 1,836 |
| Tier 1 risk-based capital ratio | 18.1785% | 2,240 |
| Total risk-based capital ratio | 19.4497% | 2,202 |
| Memoranda: | ||
| Average total assets | $85,748,330 | 5,284 |
| Average earning assets | $72,614,000 | 5,442 |
| Average equity | $10,022,670 | 5,025 |
| Average total loans | $52,547,000 | 5,083 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3188% | 4,666 |
| Cost of funding earning assets | 0.6834% | 4,425 |
| Net interest margin | 3.6354% | 4,109 |
| Noninterest income to average assets | 0.4324% | 4,434 |
| Noninterest expense to average assets | 3.1728% | 2,688 |
| Loan and lease loss provision to assets | 0.2350% | 2,590 |
| Net operating income to assets | 0.0752% | 6,284 |
| Return on assets (ROA) | 0.0752% | 6,402 |
| Pretax return on assets | 0.0752% | 6,419 |
| Return on Equity (ROE) | 0.6394% | 6,413 |
| Retained earnings to average equity (ytd only) | 0.6394% | 5,803 |
| Net charge-offs to loans | 0.0307% | 4,256 |
| Credit loss provision to net charge-offs | 1,250.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 1,363 |
| Efficiency ratio | 91.0931% | 1,011 |
| Assets per employee ($millions) | 4.4485% | 3,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 5,578 |
| Loan loss allowance to noncurrent loans | 36.4621% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 2.2184% | 2,676 |
| Noncurrent loans to loans | 3.2423% | 1,978 |
| Net loans and leases to total assets | 59.9307% | 3,683 |
| Net loans and leases to deposits | 72.9674% | 3,274 |
| Net loans and leases to core deposits | 77.9292% | 3,336 |
| Total domestic deposits to total assets | 82.1334% | 5,252 |
| Equity capital to assets | 11.8586% | 2,140 |
| Core capital (leverage) ratio | 11.5196% | 1,879 |
| Tier 1 risk-based capital ratio | 18.7839% | 2,057 |
| Total risk-based capital ratio | 19.9307% | 2,052 |
| Memoranda: | ||
| Average total assets | $85,098,500 | 5,336 |
| Average earning assets | $71,408,000 | 5,519 |
| Average equity | $10,009,500 | 5,039 |
| Average total loans | $52,075,000 | 5,143 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4275% | 5,321 |
| Cost of funding earning assets | 0.7227% | 5,388 |
| Net interest margin | 3.7048% | 4,276 |
| Noninterest income to average assets | 0.4333% | 4,348 |
| Noninterest expense to average assets | 3.2398% | 2,728 |
| Loan and lease loss provision to assets | 0.4769% | 2,215 |
| Net operating income to assets | 0.0551% | 5,956 |
| Return on assets (ROA) | 0.2756% | 5,500 |
| Pretax return on assets | 0.2756% | 5,623 |
| Return on Equity (ROE) | 2.1874% | 5,589 |
| Retained earnings to average equity (ytd only) | 2.1874% | 4,655 |
| Net charge-offs to loans | 0.8588% | 2,017 |
| Credit loss provision to net charge-offs | 89.2086% | 4,045 |
| Earnings coverage of net charge-offs (x) | 0.9952% | 5,048 |
| Efficiency ratio | 85.8939% | 1,577 |
| Assets per employee ($millions) | 4.5093% | 2,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 5,968 |
| Loan loss allowance to noncurrent loans | 29.4118% | 6,234 |
| Noncurrent assets plus other real estate owned to assets | 2.4032% | 2,532 |
| Noncurrent loans to loans | 3.5999% | 1,773 |
| Net loans and leases to total assets | 61.0789% | 3,763 |
| Net loans and leases to deposits | 74.1428% | 3,478 |
| Net loans and leases to core deposits | 77.4525% | 3,755 |
| Total domestic deposits to total assets | 82.3801% | 5,003 |
| Equity capital to assets | 11.6672% | 2,364 |
| Core capital (leverage) ratio | 12.2038% | 1,493 |
| Tier 1 risk-based capital ratio | 18.8202% | 1,954 |
| Total risk-based capital ratio | 19.8884% | 1,974 |
| Memoranda: | ||
| Average total assets | $77,999,000 | 5,504 |
| Average earning assets | $70,287,800 | 5,531 |
| Average equity | $9,829,200 | 5,060 |
| Average total loans | $48,553,400 | 5,319 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4142% | 5,564 |
| Cost of funding earning assets | 0.7169% | 5,665 |
| Net interest margin | 3.6972% | 4,348 |
| Noninterest income to average assets | 0.4241% | 4,484 |
| Noninterest expense to average assets | 3.2579% | 2,640 |
| Loan and lease loss provision to assets | 0.4416% | 2,265 |
| Net operating income to assets | 0.1227% | 5,908 |
| Return on assets (ROA) | 0.4241% | 5,078 |
| Pretax return on assets | 0.4241% | 5,388 |
| Return on Equity (ROE) | 3.2967% | 5,313 |
| Retained earnings to average equity (ytd only) | 3.2967% | 4,372 |
| Net charge-offs to loans | 0.1910% | 4,267 |
| Credit loss provision to net charge-offs | 370.5882% | 769 |
| Earnings coverage of net charge-offs (x) | 4.7355% | 2,978 |
| Efficiency ratio | 85.2361% | 1,610 |
| Assets per employee ($millions) | 4.0639% | 3,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6107% | 3,609 |
| Loan loss allowance to noncurrent loans | 33.3052% | 6,070 |
| Noncurrent assets plus other real estate owned to assets | 3.1054% | 2,059 |
| Noncurrent loans to loans | 4.8361% | 1,323 |
| Net loans and leases to total assets | 59.2997% | 4,272 |
| Net loans and leases to deposits | 72.9871% | 3,810 |
| Net loans and leases to core deposits | 76.6394% | 4,106 |
| Total domestic deposits to total assets | 81.2468% | 5,356 |
| Equity capital to assets | 12.3885% | 1,977 |
| Core capital (leverage) ratio | 12.5642% | 1,408 |
| Tier 1 risk-based capital ratio | 19.4807% | 1,821 |
| Total risk-based capital ratio | 20.7326% | 1,792 |
| Memoranda: | ||
| Average total assets | $76,079,750 | 5,611 |
| Average earning assets | $69,924,250 | 5,584 |
| Average equity | $9,787,500 | 5,097 |
| Average total loans | $47,469,250 | 5,406 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4066% | 5,666 |
| Cost of funding earning assets | 0.6937% | 6,002 |
| Net interest margin | 3.7129% | 4,205 |
| Noninterest income to average assets | 0.4035% | 4,657 |
| Noninterest expense to average assets | 3.2711% | 2,665 |
| Loan and lease loss provision to assets | 0.2260% | 3,654 |
| Net operating income to assets | 0.4197% | 4,859 |
| Return on assets (ROA) | 0.8554% | 2,928 |
| Pretax return on assets | 0.8554% | 3,812 |
| Return on Equity (ROE) | 6.5610% | 3,670 |
| Retained earnings to average equity (ytd only) | 6.5610% | 2,104 |
| Net charge-offs to loans | 0.2640% | 3,571 |
| Credit loss provision to net charge-offs | 135.4839% | 2,251 |
| Earnings coverage of net charge-offs (x) | 3.8710% | 3,025 |
| Efficiency ratio | 83.5165% | 1,885 |
| Assets per employee ($millions) | 3.7575% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 4,914 |
| Loan loss allowance to noncurrent loans | 35.8491% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 2.5869% | 2,572 |
| Noncurrent loans to loans | 3.7157% | 1,890 |
| Net loans and leases to total assets | 61.8026% | 3,925 |
| Net loans and leases to deposits | 77.1969% | 3,265 |
| Net loans and leases to core deposits | 81.0244% | 3,655 |
| Total domestic deposits to total assets | 80.0583% | 5,807 |
| Equity capital to assets | 13.2284% | 1,421 |
| Core capital (leverage) ratio | 13.0179% | 1,157 |
| Tier 1 risk-based capital ratio | 19.8317% | 1,645 |
| Total risk-based capital ratio | 21.0849% | 1,614 |
| Memoranda: | ||
| Average total assets | $74,347,330 | 5,711 |
| Average earning assets | $70,348,670 | 5,624 |
| Average equity | $9,693,670 | 5,125 |
| Average total loans | $46,963,670 | 5,482 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3742% | 5,772 |
| Cost of funding earning assets | 0.6576% | 6,353 |
| Net interest margin | 3.7166% | 4,015 |
| Noninterest income to average assets | 0.3841% | 4,839 |
| Noninterest expense to average assets | 3.3213% | 2,491 |
| Loan and lease loss provision to assets | 0.3137% | 2,663 |
| Net operating income to assets | 0.2651% | 5,562 |
| Return on assets (ROA) | 0.5788% | 4,215 |
| Pretax return on assets | 0.5788% | 4,768 |
| Return on Equity (ROE) | 4.4723% | 4,672 |
| Retained earnings to average equity (ytd only) | 4.4723% | 3,493 |
| Net charge-offs to loans | 0.0597% | 4,333 |
| Credit loss provision to net charge-offs | 828.5714% | 465 |
| Earnings coverage of net charge-offs (x) | 15.2857% | 1,327 |
| Efficiency ratio | 85.1595% | 1,818 |
| Assets per employee ($millions) | 3.7779% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 4,707 |
| Loan loss allowance to noncurrent loans | 35.4403% | 5,931 |
| Noncurrent assets plus other real estate owned to assets | 2.6549% | 2,589 |
| Noncurrent loans to loans | 3.9251% | 1,869 |
| Net loans and leases to total assets | 61.5456% | 3,957 |
| Net loans and leases to deposits | 76.3906% | 3,359 |
| Net loans and leases to core deposits | 80.5494% | 3,662 |
| Total domestic deposits to total assets | 80.5670% | 5,796 |
| Equity capital to assets | 12.7281% | 1,508 |
| Core capital (leverage) ratio | 12.5779% | 1,292 |
| Tier 1 risk-based capital ratio | 19.7678% | 1,635 |
| Total risk-based capital ratio | 21.0307% | 1,607 |
| Memoranda: | ||
| Average total assets | $73,946,500 | 5,762 |
| Average earning assets | $69,955,500 | 5,672 |
| Average equity | $9,570,000 | 5,152 |
| Average total loans | $46,910,000 | 5,523 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4094% | 6,598 |
| Cost of funding earning assets | 0.8030% | 6,553 |
| Net interest margin | 3.6065% | 4,790 |
| Noninterest income to average assets | 0.4358% | 4,628 |
| Noninterest expense to average assets | 3.5478% | 2,058 |
| Loan and lease loss provision to assets | 0.2767% | 4,596 |
| Net operating income to assets | -0.0473% | 5,928 |
| Return on assets (ROA) | 0.0258% | 5,898 |
| Pretax return on assets | 0.0258% | 5,845 |
| Return on Equity (ROE) | 0.1891% | 5,905 |
| Retained earnings to average equity (ytd only) | 0.1891% | 5,476 |
| Net charge-offs to loans | 0.1590% | 5,393 |
| Credit loss provision to net charge-offs | 268.0556% | 1,037 |
| Earnings coverage of net charge-offs (x) | 2.2222% | 4,056 |
| Efficiency ratio | 93.9279% | 1,063 |
| Assets per employee ($millions) | 4.2551% | 3,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 5,021 |
| Loan loss allowance to noncurrent loans | 30.5710% | 6,259 |
| Noncurrent assets plus other real estate owned to assets | 2.7358% | 2,549 |
| Noncurrent loans to loans | 4.2411% | 1,713 |
| Net loans and leases to total assets | 63.6709% | 3,941 |
| Net loans and leases to deposits | 73.4269% | 4,292 |
| Net loans and leases to core deposits | 77.2937% | 4,551 |
| Total domestic deposits to total assets | 86.7134% | 2,972 |
| Equity capital to assets | 13.1650% | 1,314 |
| Core capital (leverage) ratio | 13.4488% | 984 |
| Tier 1 risk-based capital ratio | 20.0042% | 1,487 |
| Total risk-based capital ratio | 21.2712% | 1,456 |
| Memoranda: | ||
| Average total assets | $69,761,400 | 5,898 |
| Average earning assets | $64,634,000 | 5,839 |
| Average equity | $9,520,800 | 5,257 |
| Average total loans | $45,289,400 | 5,695 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4571% | 6,705 |
| Cost of funding earning assets | 0.8595% | 6,546 |
| Net interest margin | 3.5975% | 4,890 |
| Noninterest income to average assets | 0.4302% | 4,716 |
| Noninterest expense to average assets | 3.7307% | 1,509 |
| Loan and lease loss provision to assets | 0.1968% | 5,069 |
| Net operating income to assets | -0.1871% | 6,306 |
| Return on assets (ROA) | -0.0887% | 6,263 |
| Pretax return on assets | -0.0887% | 6,210 |
| Return on Equity (ROE) | -0.6442% | 6,244 |
| Retained earnings to average equity (ytd only) | -0.6442% | 5,953 |
| Net charge-offs to loans | 0.2106% | 4,677 |
| Credit loss provision to net charge-offs | 143.6620% | 2,736 |
| Earnings coverage of net charge-offs (x) | 0.0705% | 5,961 |
| Efficiency ratio | 99.7421% | 748 |
| Assets per employee ($millions) | 4.3585% | 3,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 5,979 |
| Loan loss allowance to noncurrent loans | 2,861.1111% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 7,298 |
| Noncurrent loans to loans | 0.0381% | 7,152 |
| Net loans and leases to total assets | 63.0501% | 4,311 |
| Net loans and leases to deposits | 72.6355% | 4,748 |
| Net loans and leases to core deposits | 77.1761% | 4,902 |
| Total domestic deposits to total assets | 86.8034% | 2,644 |
| Equity capital to assets | 12.9334% | 1,611 |
| Core capital (leverage) ratio | 14.1040% | 899 |
| Tier 1 risk-based capital ratio | 19.6627% | 1,613 |
| Total risk-based capital ratio | 20.7283% | 1,617 |
| Memoranda: | ||
| Average total assets | $69,117,750 | 5,968 |
| Average earning assets | $63,597,500 | 5,933 |
| Average equity | $9,520,250 | 5,338 |
| Average total loans | $44,946,250 | 5,786 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5801% | 6,519 |
| Cost of funding earning assets | 0.9323% | 6,456 |
| Net interest margin | 3.6478% | 4,592 |
| Noninterest income to average assets | 0.4388% | 4,620 |
| Noninterest expense to average assets | 3.5666% | 1,864 |
| Loan and lease loss provision to assets | 0.1542% | 5,360 |
| Net operating income to assets | 0.0356% | 6,025 |
| Return on assets (ROA) | 0.1868% | 5,730 |
| Pretax return on assets | 0.1868% | 5,797 |
| Return on Equity (ROE) | 1.3264% | 5,860 |
| Retained earnings to average equity (ytd only) | 1.3264% | 5,222 |
| Net charge-offs to loans | -0.0181% | 7,270 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9487% | 1,013 |
| Assets per employee ($millions) | 4.0022% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 5,488 |
| Loan loss allowance to noncurrent loans | 2,695.0000% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 7,326 |
| Noncurrent loans to loans | 0.0443% | 7,203 |
| Net loans and leases to total assets | 65.5869% | 3,918 |
| Net loans and leases to deposits | 76.5118% | 4,237 |
| Net loans and leases to core deposits | 82.9273% | 4,290 |
| Total domestic deposits to total assets | 85.7212% | 3,251 |
| Equity capital to assets | 14.1656% | 1,112 |
| Core capital (leverage) ratio | 13.9213% | 944 |
| Tier 1 risk-based capital ratio | 20.9864% | 1,338 |
| Total risk-based capital ratio | 22.1674% | 1,328 |
| Memoranda: | ||
| Average total assets | $67,458,670 | 6,053 |
| Average earning assets | $61,352,670 | 6,049 |
| Average equity | $9,499,330 | 5,341 |
| Average total loans | $44,184,330 | 5,859 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6392% | 6,444 |
| Cost of funding earning assets | 0.9760% | 6,493 |
| Net interest margin | 3.6632% | 4,424 |
| Noninterest income to average assets | 0.4228% | 4,715 |
| Noninterest expense to average assets | 3.5195% | 1,930 |
| Loan and lease loss provision to assets | 0.1489% | 5,061 |
| Net operating income to assets | 0.0179% | 6,240 |
| Return on assets (ROA) | 0.3216% | 5,335 |
| Pretax return on assets | 0.3216% | 5,546 |
| Return on Equity (ROE) | 2.2906% | 5,636 |
| Retained earnings to average equity (ytd only) | 2.2906% | 4,760 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4766% | 1,056 |
| Assets per employee ($millions) | 3.7160% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 5,777 |
| Loan loss allowance to noncurrent loans | 2,423.8095% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 7,418 |
| Noncurrent loans to loans | 0.0474% | 7,292 |
| Net loans and leases to total assets | 65.4303% | 4,012 |
| Net loans and leases to deposits | 76.3188% | 4,355 |
| Net loans and leases to core deposits | 92.0148% | 3,103 |
| Total domestic deposits to total assets | 85.7329% | 3,290 |
| Equity capital to assets | 14.2342% | 1,087 |
| Core capital (leverage) ratio | 14.4352% | 867 |
| Tier 1 risk-based capital ratio | 21.3538% | 1,293 |
| Total risk-based capital ratio | 22.4924% | 1,277 |
| Memoranda: | ||
| Average total assets | $67,169,000 | 6,133 |
| Average earning assets | $59,838,000 | 6,178 |
| Average equity | $9,430,000 | 5,415 |
| Average total loans | $43,695,000 | 5,951 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7070% | 7,130 |
| Cost of funding earning assets | 1.2328% | 6,537 |
| Net interest margin | 3.4742% | 5,071 |
| Noninterest income to average assets | -0.1401% | 7,828 |
| Noninterest expense to average assets | 3.9079% | 1,502 |
| Loan and lease loss provision to assets | 0.4204% | 4,304 |
| Net operating income to assets | -1.1992% | 6,711 |
| Return on assets (ROA) | -0.9863% | 6,573 |
| Pretax return on assets | -0.9863% | 6,401 |
| Return on Equity (ROE) | -5.8013% | 6,283 |
| Retained earnings to average equity (ytd only) | -5.8013% | 6,119 |
| Net charge-offs to loans | 0.2038% | 5,359 |
| Credit loss provision to net charge-offs | 320.2703% | 1,019 |
| Earnings coverage of net charge-offs (x) | -5.9324% | 7,123 |
| Efficiency ratio | 124.8866% | 530 |
| Assets per employee ($millions) | 3.9676% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 5,794 |
| Loan loss allowance to noncurrent loans | 2,304.7619% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 7,443 |
| Noncurrent loans to loans | 0.0487% | 7,310 |
| Net loans and leases to total assets | 63.2053% | 4,767 |
| Net loans and leases to deposits | 73.3921% | 5,140 |
| Net loans and leases to core deposits | 102.2914% | 3,774 |
| Total domestic deposits to total assets | 86.1201% | 2,949 |
| Equity capital to assets | 13.8458% | 1,209 |
| Core capital (leverage) ratio | 14.1319% | 959 |
| Tier 1 risk-based capital ratio | 21.5783% | 1,208 |
| Total risk-based capital ratio | 22.6835% | 1,200 |
| Memoranda: | ||
| Average total assets | $56,373,000 | 6,479 |
| Average earning assets | $53,048,200 | 6,410 |
| Average equity | $9,584,000 | 5,419 |
| Average total loans | $36,314,400 | 6,289 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7946% | 7,130 |
| Cost of funding earning assets | 1.3011% | 6,558 |
| Net interest margin | 3.4935% | 4,886 |
| Noninterest income to average assets | -0.3706% | 8,026 |
| Noninterest expense to average assets | 4.0917% | 1,159 |
| Loan and lease loss provision to assets | 0.4900% | 3,455 |
| Net operating income to assets | -1.6665% | 7,182 |
| Return on assets (ROA) | -1.5596% | 7,137 |
| Pretax return on assets | -1.5596% | 6,994 |
| Return on Equity (ROE) | -8.6673% | 6,784 |
| Retained earnings to average equity (ytd only) | -8.6673% | 6,673 |
| Net charge-offs to loans | 0.2658% | 4,379 |
| Credit loss provision to net charge-offs | 285.5072% | 1,468 |
| Earnings coverage of net charge-offs (x) | -6.8549% | 6,875 |
| Efficiency ratio | 140.3584% | 381 |
| Assets per employee ($millions) | 3.7142% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1156% | 5,623 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 63.4501% | 4,983 |
| Net loans and leases to deposits | 74.6761% | 5,270 |
| Net loans and leases to core deposits | 108.6101% | 3,395 |
| Total domestic deposits to total assets | 84.9670% | 3,253 |
| Equity capital to assets | 14.9000% | 1,034 |
| Core capital (leverage) ratio | 16.1621% | 651 |
| Tier 1 risk-based capital ratio | 22.6396% | 1,155 |
| Total risk-based capital ratio | 23.7344% | 1,150 |
| Memoranda: | ||
| Average total assets | $53,603,750 | 6,615 |
| Average earning assets | $50,416,250 | 6,561 |
| Average equity | $9,645,250 | 5,444 |
| Average total loans | $34,614,000 | 6,419 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9233% | 6,980 |
| Cost of funding earning assets | 1.3837% | 6,537 |
| Net interest margin | 3.5395% | 4,614 |
| Noninterest income to average assets | -0.8726% | 8,151 |
| Noninterest expense to average assets | 4.2797% | 973 |
| Loan and lease loss provision to assets | 0.4799% | 3,127 |
| Net operating income to assets | -2.3044% | 7,512 |
| Return on assets (ROA) | -2.2489% | 7,489 |
| Pretax return on assets | -2.2489% | 7,360 |
| Return on Equity (ROE) | -11.6615% | 7,149 |
| Retained earnings to average equity (ytd only) | -11.6615% | 7,025 |
| Net charge-offs to loans | 0.0613% | 5,641 |
| Credit loss provision to net charge-offs | 1,210.0000% | 409 |
| Earnings coverage of net charge-offs (x) | -46.0000% | 6,594 |
| Efficiency ratio | 174.3134% | 270 |
| Assets per employee ($millions) | 2.8228% | 6,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 5,025 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 67.2851% | 4,295 |
| Net loans and leases to deposits | 81.5710% | 4,289 |
| Net loans and leases to core deposits | 122.2956% | 2,183 |
| Total domestic deposits to total assets | 82.4865% | 4,488 |
| Equity capital to assets | 17.4482% | 609 |
| Core capital (leverage) ratio | 17.0384% | 608 |
| Tier 1 risk-based capital ratio | 25.7019% | 880 |
| Total risk-based capital ratio | 26.8919% | 867 |
| Memoranda: | ||
| Average total assets | $50,424,670 | 6,805 |
| Average earning assets | $47,407,670 | 6,733 |
| Average equity | $9,724,330 | 5,449 |
| Average total loans | $32,647,000 | 6,576 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0541% | 6,778 |
| Cost of funding earning assets | 1.2548% | 7,162 |
| Net interest margin | 3.7993% | 3,443 |
| Noninterest income to average assets | 0.3113% | 5,948 |
| Noninterest expense to average assets | 4.5309% | 690 |
| Loan and lease loss provision to assets | 0.3195% | 3,417 |
| Net operating income to assets | -0.9668% | 7,234 |
| Return on assets (ROA) | -0.8521% | 7,190 |
| Pretax return on assets | -0.8521% | 7,065 |
| Return on Equity (ROE) | -4.1988% | 6,905 |
| Retained earnings to average equity (ytd only) | -4.1988% | 6,448 |
| Net charge-offs to loans | 0.0651% | 4,556 |
| Credit loss provision to net charge-offs | 780.0000% | 763 |
| Earnings coverage of net charge-offs (x) | -15.8000% | 5,650 |
| Efficiency ratio | 113.9241% | 735 |
| Assets per employee ($millions) | 2.7816% | 6,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 5,471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 60.9165% | 5,509 |
| Net loans and leases to deposits | 75.0606% | 5,333 |
| Net loans and leases to core deposits | 98.3895% | 4,705 |
| Total domestic deposits to total assets | 81.1565% | 4,904 |
| Equity capital to assets | 18.6884% | 522 |
| Core capital (leverage) ratio | 20.1459% | 391 |
| Tier 1 risk-based capital ratio | 26.3137% | 867 |
| Total risk-based capital ratio | 27.2744% | 874 |
| Memoranda: | ||
| Average total assets | $48,820,500 | 6,912 |
| Average earning assets | $45,903,500 | 6,844 |
| Average equity | $9,907,500 | 5,411 |
| Average total loans | $30,710,000 | 6,721 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7441% | 6,623 |
| Cost of funding earning assets | 1.1721% | 7,967 |
| Net interest margin | 4.5721% | 1,245 |
| Noninterest income to average assets | 0.3536% | 5,900 |
| Noninterest expense to average assets | 6.7349% | 307 |
| Loan and lease loss provision to assets | 0.7931% | 1,877 |
| Net operating income to assets | -2.8817% | 7,796 |
| Return on assets (ROA) | -2.8817% | 7,765 |
| Pretax return on assets | -2.8817% | 7,678 |
| Return on Equity (ROE) | -8.5593% | 7,165 |
| Retained earnings to average equity (ytd only) | -8.5593% | 6,931 |
| Net charge-offs to loans | 0.1158% | 5,103 |
| Credit loss provision to net charge-offs | 1,090.9091% | 408 |
| Earnings coverage of net charge-offs (x) | -28.7273% | 6,954 |
| Efficiency ratio | 144.9502% | 373 |
| Assets per employee ($millions) | 2.7994% | 6,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 5,115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 63.7263% | 5,332 |
| Net loans and leases to deposits | 87.0479% | 3,939 |
| Net loans and leases to core deposits | 101.4465% | 4,674 |
| Total domestic deposits to total assets | 73.2083% | 6,791 |
| Equity capital to assets | 22.1880% | 344 |
| Core capital (leverage) ratio | 24.6432% | 271 |
| Tier 1 risk-based capital ratio | 31.0090% | 590 |
| Total risk-based capital ratio | 32.0262% | 592 |
| Memoranda: | ||
| Average total assets | $30,260,400 | 7,636 |
| Average earning assets | $28,411,600 | 7,595 |
| Average equity | $10,187,800 | 5,354 |
| Average total loans | $18,998,400 | 7,401 |