Home > First Capital Bank > Performance and Condition Ratios
First Capital 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 | 6.3691% | 739 |
| Cost of funding earning assets | 3.0257% | 307 |
| Net interest margin | 3.3434% | 2,675 |
| Noninterest income to average assets | 0.1100% | 4,092 |
| Noninterest expense to average assets | 1.9632% | 3,624 |
| Loan and lease loss provision to assets | 0.2800% | 399 |
| Net operating income to assets | 0.8439% | 2,730 |
| Return on assets (ROA) | 0.8439% | 2,731 |
| Pretax return on assets | 1.0688% | 2,577 |
| Return on Equity (ROE) | 9.1200% | 2,576 |
| Retained earnings to average equity (ytd only) | 9.1250% | 1,410 |
| Net charge-offs to loans | -0.0009% | 3,478 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 59.2986% | 3,051 |
| Assets per employee ($millions) | 11.6333% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0227% | 3,098 |
| Loan loss allowance to noncurrent loans | 1,381.4286% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.0622% | 3,237 |
| Noncurrent loans to loans | 0.0740% | 3,297 |
| Net loans and leases to total assets | 83.2200% | 296 |
| Net loans and leases to deposits | 100.9730% | 377 |
| Net loans and leases to core deposits | 126.8115% | 390 |
| Total domestic deposits to total assets | 82.4200% | 3,231 |
| Equity capital to assets | 9.1441% | 2,837 |
| Core capital (leverage) ratio | 9.5642% | 3,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7820% | 2,275 |
| Memoranda: | ||
| Average total assets | $988,795,500 | 1,020 |
| Average earning assets | $946,694,000 | 996 |
| Average equity | $91,441,500 | 1,117 |
| Average total loans | $844,498,000 | 869 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3920% | 819 |
| Cost of funding earning assets | 3.3299% | 265 |
| Net interest margin | 3.0620% | 3,039 |
| Noninterest income to average assets | 0.1200% | 4,121 |
| Noninterest expense to average assets | 1.9770% | 3,651 |
| Loan and lease loss provision to assets | 0.2200% | 596 |
| Net operating income to assets | 0.6708% | 3,047 |
| Return on assets (ROA) | 0.6632% | 3,092 |
| Pretax return on assets | 0.8592% | 2,921 |
| Return on Equity (ROE) | 7.0400% | 3,008 |
| Retained earnings to average equity (ytd only) | 7.0419% | 1,417 |
| Net charge-offs to loans | -0.0001% | 3,675 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 64.5224% | 2,671 |
| Assets per employee ($millions) | 11.4939% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 3,438 |
| Loan loss allowance to noncurrent loans | 1,255.6426% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 3,205 |
| Noncurrent loans to loans | 0.0761% | 3,260 |
| Net loans and leases to total assets | 85.9700% | 157 |
| Net loans and leases to deposits | 105.4600% | 270 |
| Net loans and leases to core deposits | 160.3463% | 127 |
| Total domestic deposits to total assets | 81.5200% | 3,323 |
| Equity capital to assets | 9.3565% | 2,556 |
| Core capital (leverage) ratio | 9.7873% | 2,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6640% | 2,327 |
| Memoranda: | ||
| Average total assets | $870,621,800 | 1,137 |
| Average earning assets | $836,859,600 | 1,100 |
| Average equity | $81,995,400 | 1,176 |
| Average total loans | $749,998,400 | 954 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3426% | 841 |
| Cost of funding earning assets | 3.3553% | 269 |
| Net interest margin | 2.9874% | 3,119 |
| Noninterest income to average assets | 0.1000% | 4,224 |
| Noninterest expense to average assets | 1.9687% | 3,626 |
| Loan and lease loss provision to assets | 0.2000% | 591 |
| Net operating income to assets | 0.6168% | 3,177 |
| Return on assets (ROA) | 0.6168% | 3,203 |
| Pretax return on assets | 0.8076% | 3,023 |
| Return on Equity (ROE) | 6.5400% | 3,174 |
| Retained earnings to average equity (ytd only) | 6.5372% | 1,892 |
| Net charge-offs to loans | 0.0002% | 2,847 |
| Credit loss provision to net charge-offs | 132,500.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 6,380.0000% | 12 |
| Efficiency ratio | 66.2166% | 2,458 |
| Assets per employee ($millions) | 10.8115% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 3,568 |
| Loan loss allowance to noncurrent loans | 829.6505% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 3,056 |
| Noncurrent loans to loans | 0.1122% | 3,123 |
| Net loans and leases to total assets | 85.2500% | 189 |
| Net loans and leases to deposits | 103.3404% | 347 |
| Net loans and leases to core deposits | 151.5743% | 166 |
| Total domestic deposits to total assets | 82.4900% | 2,978 |
| Equity capital to assets | 9.2093% | 2,876 |
| Core capital (leverage) ratio | 9.4717% | 3,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6548% | 2,357 |
| Memoranda: | ||
| Average total assets | $846,904,500 | 1,161 |
| Average earning assets | $815,057,750 | 1,123 |
| Average equity | $79,910,250 | 1,196 |
| Average total loans | $727,990,750 | 974 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1765% | 943 |
| Cost of funding earning assets | 3.2650% | 286 |
| Net interest margin | 2.9115% | 3,233 |
| Noninterest income to average assets | 0.0800% | 4,310 |
| Noninterest expense to average assets | 1.9721% | 3,619 |
| Loan and lease loss provision to assets | 0.1900% | 581 |
| Net operating income to assets | 0.5578% | 3,291 |
| Return on assets (ROA) | 0.5578% | 3,323 |
| Pretax return on assets | 0.7223% | 3,178 |
| Return on Equity (ROE) | 5.8600% | 3,324 |
| Retained earnings to average equity (ytd only) | 5.8594% | 2,056 |
| Net charge-offs to loans | 0.0008% | 2,585 |
| Credit loss provision to net charge-offs | 26,666.6667% | 13 |
| Earnings coverage of net charge-offs (x) | 1,257.3333% | 77 |
| Efficiency ratio | 68.2652% | 2,301 |
| Assets per employee ($millions) | 10.1614% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9194% | 3,626 |
| Loan loss allowance to noncurrent loans | 797.1995% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 2,977 |
| Noncurrent loans to loans | 0.1153% | 3,069 |
| Net loans and leases to total assets | 84.2500% | 268 |
| Net loans and leases to deposits | 100.7372% | 513 |
| Net loans and leases to core deposits | 168.0510% | 107 |
| Total domestic deposits to total assets | 83.6300% | 2,708 |
| Equity capital to assets | 9.4791% | 2,403 |
| Core capital (leverage) ratio | 10.1649% | 2,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2042% | 2,166 |
| Memoranda: | ||
| Average total assets | $822,879,000 | 1,191 |
| Average earning assets | $793,129,000 | 1,149 |
| Average equity | $78,336,333 | 1,208 |
| Average total loans | $707,069,667 | 1,001 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1749% | 864 |
| Cost of funding earning assets | 3.2858% | 243 |
| Net interest margin | 2.8891% | 3,214 |
| Noninterest income to average assets | 0.0600% | 4,368 |
| Noninterest expense to average assets | 1.9996% | 3,580 |
| Loan and lease loss provision to assets | 0.1900% | 543 |
| Net operating income to assets | 0.5052% | 3,388 |
| Return on assets (ROA) | 0.5052% | 3,407 |
| Pretax return on assets | 0.6516% | 3,273 |
| Return on Equity (ROE) | 5.2900% | 3,390 |
| Retained earnings to average equity (ytd only) | 5.2940% | 2,320 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 70.4240% | 2,105 |
| Assets per employee ($millions) | 9.9487% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9171% | 3,641 |
| Loan loss allowance to noncurrent loans | 977.2866% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 3,100 |
| Noncurrent loans to loans | 0.0938% | 3,135 |
| Net loans and leases to total assets | 85.9500% | 165 |
| Net loans and leases to deposits | 103.8298% | 347 |
| Net loans and leases to core deposits | 162.6650% | 149 |
| Total domestic deposits to total assets | 82.7800% | 3,026 |
| Equity capital to assets | 9.5076% | 2,316 |
| Core capital (leverage) ratio | 9.7888% | 2,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1384% | 2,197 |
| Memoranda: | ||
| Average total assets | $797,378,000 | 1,214 |
| Average earning assets | $768,275,000 | 1,180 |
| Average equity | $76,086,500 | 1,229 |
| Average total loans | $689,068,500 | 1,021 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9648% | 669 |
| Cost of funding earning assets | 2.8426% | 195 |
| Net interest margin | 3.1222% | 3,046 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 2.0905% | 3,430 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 0.6399% | 3,339 |
| Return on assets (ROA) | 0.6212% | 3,370 |
| Pretax return on assets | 0.7814% | 3,253 |
| Return on Equity (ROE) | 6.4600% | 3,428 |
| Retained earnings to average equity (ytd only) | 6.4611% | 2,071 |
| Net charge-offs to loans | 0.0002% | 2,911 |
| Credit loss provision to net charge-offs | 142,500.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 6,967.0000% | 8 |
| Efficiency ratio | 67.4774% | 2,172 |
| Assets per employee ($millions) | 9.8614% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8888% | 3,750 |
| Loan loss allowance to noncurrent loans | 4,572.7273% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 3,633 |
| Noncurrent loans to loans | 0.0194% | 3,599 |
| Net loans and leases to total assets | 85.3200% | 191 |
| Net loans and leases to deposits | 103.5776% | 384 |
| Net loans and leases to core deposits | 159.9635% | 154 |
| Total domestic deposits to total assets | 82.3700% | 3,055 |
| Equity capital to assets | 9.5774% | 2,289 |
| Core capital (leverage) ratio | 10.0223% | 2,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4744% | 2,425 |
| Memoranda: | ||
| Average total assets | $691,450,400 | 1,323 |
| Average earning assets | $665,271,200 | 1,288 |
| Average equity | $66,475,000 | 1,299 |
| Average total loans | $589,607,000 | 1,103 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8533% | 643 |
| Cost of funding earning assets | 2.6518% | 213 |
| Net interest margin | 3.2015% | 2,912 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 2.1276% | 3,276 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 0.6486% | 3,431 |
| Return on assets (ROA) | 0.6540% | 3,412 |
| Pretax return on assets | 0.8241% | 3,279 |
| Return on Equity (ROE) | 6.7900% | 3,485 |
| Retained earnings to average equity (ytd only) | 6.7948% | 2,360 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.5487% | 2,066 |
| Assets per employee ($millions) | 9.8279% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8971% | 3,743 |
| Loan loss allowance to noncurrent loans | 5,054.3860% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 3,689 |
| Noncurrent loans to loans | 0.0177% | 3,652 |
| Net loans and leases to total assets | 85.2200% | 196 |
| Net loans and leases to deposits | 105.5320% | 304 |
| Net loans and leases to core deposits | 155.6673% | 126 |
| Total domestic deposits to total assets | 80.7600% | 3,420 |
| Equity capital to assets | 9.5936% | 2,045 |
| Core capital (leverage) ratio | 9.8982% | 2,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5700% | 2,426 |
| Memoranda: | ||
| Average total assets | $667,084,750 | 1,355 |
| Average earning assets | $641,762,500 | 1,308 |
| Average equity | $64,204,500 | 1,317 |
| Average total loans | $567,230,500 | 1,120 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6334% | 704 |
| Cost of funding earning assets | 2.4006% | 228 |
| Net interest margin | 3.2328% | 2,903 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 2.1456% | 3,232 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 0.6561% | 3,445 |
| Return on assets (ROA) | 0.6645% | 3,427 |
| Pretax return on assets | 0.8391% | 3,303 |
| Return on Equity (ROE) | 6.9000% | 3,499 |
| Retained earnings to average equity (ytd only) | 6.8956% | 2,318 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.5349% | 2,042 |
| Assets per employee ($millions) | 8.7193% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8809% | 3,834 |
| Loan loss allowance to noncurrent loans | 3,009.4972% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 3,541 |
| Noncurrent loans to loans | 0.0293% | 3,543 |
| Net loans and leases to total assets | 84.7800% | 226 |
| Net loans and leases to deposits | 105.2651% | 331 |
| Net loans and leases to core deposits | 156.5467% | 116 |
| Total domestic deposits to total assets | 80.5400% | 3,494 |
| Equity capital to assets | 9.2049% | 2,374 |
| Core capital (leverage) ratio | 10.1131% | 2,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0273% | 2,617 |
| Memoranda: | ||
| Average total assets | $640,473,667 | 1,393 |
| Average earning assets | $615,936,333 | 1,348 |
| Average equity | $61,720,667 | 1,360 |
| Average total loans | $542,203,333 | 1,148 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3983% | 720 |
| Cost of funding earning assets | 2.0760% | 251 |
| Net interest margin | 3.3222% | 2,829 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 2.1962% | 3,108 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 0.6817% | 3,511 |
| Return on assets (ROA) | 0.6817% | 3,460 |
| Pretax return on assets | 0.8647% | 3,320 |
| Return on Equity (ROE) | 6.8900% | 3,543 |
| Retained earnings to average equity (ytd only) | 6.8907% | 2,522 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.3718% | 2,052 |
| Assets per employee ($millions) | 8.3084% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9188% | 3,803 |
| Loan loss allowance to noncurrent loans | 1,874.4275% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 3,374 |
| Noncurrent loans to loans | 0.0490% | 3,390 |
| Net loans and leases to total assets | 82.7800% | 308 |
| Net loans and leases to deposits | 100.5798% | 422 |
| Net loans and leases to core deposits | 148.7472% | 127 |
| Total domestic deposits to total assets | 82.3000% | 3,435 |
| Equity capital to assets | 10.1754% | 1,732 |
| Core capital (leverage) ratio | 10.8047% | 1,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5342% | 2,168 |
| Memoranda: | ||
| Average total assets | $603,220,000 | 1,490 |
| Average earning assets | $579,372,500 | 1,444 |
| Average equity | $59,674,500 | 1,399 |
| Average total loans | $507,537,000 | 1,215 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3033% | 1,042 |
| Cost of funding earning assets | 0.9521% | 205 |
| Net interest margin | 3.3512% | 2,420 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 2.1517% | 3,150 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 0.7093% | 3,595 |
| Return on assets (ROA) | 0.7067% | 3,546 |
| Pretax return on assets | 0.9342% | 3,260 |
| Return on Equity (ROE) | 7.1200% | 3,614 |
| Retained earnings to average equity (ytd only) | 7.1214% | 2,191 |
| Net charge-offs to loans | -0.0054% | 3,649 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.2391% | 2,328 |
| Assets per employee ($millions) | 8.3337% | 1,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9143% | 3,713 |
| Loan loss allowance to noncurrent loans | 1,723.1373% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 3,359 |
| Noncurrent loans to loans | 0.0531% | 3,374 |
| Net loans and leases to total assets | 84.0300% | 250 |
| Net loans and leases to deposits | 99.6682% | 451 |
| Net loans and leases to core deposits | 129.4768% | 230 |
| Total domestic deposits to total assets | 84.3100% | 3,145 |
| Equity capital to assets | 9.5735% | 1,951 |
| Core capital (leverage) ratio | 10.2063% | 2,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5562% | 2,547 |
| Memoranda: | ||
| Average total assets | $461,592,000 | 1,830 |
| Average earning assets | $441,756,000 | 1,782 |
| Average equity | $45,805,400 | 1,735 |
| Average total loans | $353,830,400 | 1,535 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9687% | 1,331 |
| Cost of funding earning assets | 0.7177% | 241 |
| Net interest margin | 3.2510% | 2,456 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 2.1627% | 3,032 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 0.6796% | 3,621 |
| Return on assets (ROA) | 0.6796% | 3,582 |
| Pretax return on assets | 0.8992% | 3,316 |
| Return on Equity (ROE) | 6.7700% | 3,635 |
| Retained earnings to average equity (ytd only) | 6.7712% | 2,454 |
| Net charge-offs to loans | -0.0079% | 3,610 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.4919% | 2,087 |
| Assets per employee ($millions) | 7.8662% | 1,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 3,438 |
| Loan loss allowance to noncurrent loans | 1,236.1905% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 3,236 |
| Noncurrent loans to loans | 0.0815% | 3,297 |
| Net loans and leases to total assets | 79.7800% | 547 |
| Net loans and leases to deposits | 92.7462% | 720 |
| Net loans and leases to core deposits | 102.7273% | 709 |
| Total domestic deposits to total assets | 86.0200% | 3,064 |
| Equity capital to assets | 11.0721% | 1,148 |
| Core capital (leverage) ratio | 11.4505% | 1,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9914% | 1,713 |
| Memoranda: | ||
| Average total assets | $435,317,000 | 1,914 |
| Average earning assets | $416,312,250 | 1,871 |
| Average equity | $43,693,750 | 1,827 |
| Average total loans | $322,145,250 | 1,627 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6544% | 1,671 |
| Cost of funding earning assets | 0.6007% | 270 |
| Net interest margin | 3.0537% | 2,703 |
| Noninterest income to average assets | 0.0932% | 4,519 |
| Noninterest expense to average assets | 2.1314% | 3,061 |
| Loan and lease loss provision to assets | 0.0785% | 1,237 |
| Net operating income to assets | 0.6079% | 3,607 |
| Return on assets (ROA) | 0.6079% | 3,553 |
| Pretax return on assets | 0.8043% | 3,316 |
| Return on Equity (ROE) | 6.3035% | 3,498 |
| Retained earnings to average equity (ytd only) | 6.3035% | 2,235 |
| Net charge-offs to loans | -0.0253% | 3,982 |
| Credit loss provision to net charge-offs | -434.2105% | 3,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7117% | 1,862 |
| Assets per employee ($millions) | 8.1442% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0719% | 3,270 |
| Loan loss allowance to noncurrent loans | 1,136.1635% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 3,271 |
| Noncurrent loans to loans | 0.0943% | 3,300 |
| Net loans and leases to total assets | 73.1103% | 990 |
| Net loans and leases to deposits | 84.4019% | 1,093 |
| Net loans and leases to core deposits | 91.7228% | 1,030 |
| Total domestic deposits to total assets | 86.6217% | 3,070 |
| Equity capital to assets | 9.3024% | 2,156 |
| Core capital (leverage) ratio | 10.0236% | 2,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6386% | 1,820 |
| Memoranda: | ||
| Average total assets | $420,476,667 | 1,976 |
| Average earning assets | $402,205,000 | 1,937 |
| Average equity | $40,549,000 | 1,975 |
| Average total loans | $300,630,000 | 1,699 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4800% | 1,869 |
| Cost of funding earning assets | 0.5707% | 313 |
| Net interest margin | 2.9094% | 2,805 |
| Noninterest income to average assets | 0.0934% | 4,531 |
| Noninterest expense to average assets | 2.1814% | 2,892 |
| Loan and lease loss provision to assets | 0.0397% | 1,642 |
| Net operating income to assets | 0.4917% | 3,736 |
| Return on assets (ROA) | 0.4917% | 3,702 |
| Pretax return on assets | 0.6576% | 3,501 |
| Return on Equity (ROE) | 4.9987% | 3,627 |
| Retained earnings to average equity (ytd only) | 4.9987% | 2,598 |
| Net charge-offs to loans | -0.0637% | 4,341 |
| Credit loss provision to net charge-offs | -88.8889% | 2,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7764% | 1,554 |
| Assets per employee ($millions) | 7.4729% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1920% | 2,900 |
| Loan loss allowance to noncurrent loans | 780.1339% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 3,060 |
| Noncurrent loans to loans | 0.1528% | 3,038 |
| Net loans and leases to total assets | 69.2283% | 1,092 |
| Net loans and leases to deposits | 80.8768% | 1,086 |
| Net loans and leases to core deposits | 84.9394% | 1,190 |
| Total domestic deposits to total assets | 85.5972% | 3,383 |
| Equity capital to assets | 10.0511% | 1,854 |
| Core capital (leverage) ratio | 10.5708% | 1,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1545% | 1,743 |
| Memoranda: | ||
| Average total assets | $402,677,500 | 2,043 |
| Average earning assets | $385,512,000 | 2,003 |
| Average equity | $39,610,500 | 2,070 |
| Average total loans | $282,419,500 | 1,779 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5878% | 2,422 |
| Cost of funding earning assets | 0.6473% | 425 |
| Net interest margin | 2.9405% | 3,347 |
| Noninterest income to average assets | 0.1065% | 4,580 |
| Noninterest expense to average assets | 2.3273% | 2,720 |
| Loan and lease loss provision to assets | 0.2387% | 407 |
| Net operating income to assets | 0.2723% | 4,456 |
| Return on assets (ROA) | 0.3318% | 4,403 |
| Pretax return on assets | 0.4214% | 4,369 |
| Return on Equity (ROE) | 3.3189% | 4,318 |
| Retained earnings to average equity (ytd only) | 3.3189% | 3,489 |
| Net charge-offs to loans | -0.0187% | 3,948 |
| Credit loss provision to net charge-offs | -1,857.1429% | 4,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9159% | 807 |
| Assets per employee ($millions) | 7.1643% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 2,601 |
| Loan loss allowance to noncurrent loans | 449.8681% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 2,580 |
| Noncurrent loans to loans | 0.2790% | 2,606 |
| Net loans and leases to total assets | 69.3318% | 1,117 |
| Net loans and leases to deposits | 81.2240% | 1,123 |
| Net loans and leases to core deposits | 86.0761% | 1,196 |
| Total domestic deposits to total assets | 85.3588% | 3,151 |
| Equity capital to assets | 9.6050% | 3,041 |
| Core capital (leverage) ratio | 9.9208% | 2,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6457% | 1,635 |
| Memoranda: | ||
| Average total assets | $326,729,200 | 2,309 |
| Average earning assets | $311,748,200 | 2,274 |
| Average equity | $32,661,800 | 2,398 |
| Average total loans | $224,229,000 | 2,082 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6633% | 2,370 |
| Cost of funding earning assets | 0.6663% | 459 |
| Net interest margin | 2.9971% | 3,312 |
| Noninterest income to average assets | 0.1069% | 4,644 |
| Noninterest expense to average assets | 2.3552% | 2,586 |
| Loan and lease loss provision to assets | 0.2053% | 495 |
| Net operating income to assets | 0.3029% | 4,515 |
| Return on assets (ROA) | 0.3029% | 4,537 |
| Pretax return on assets | 0.4038% | 4,487 |
| Return on Equity (ROE) | 2.9932% | 4,466 |
| Retained earnings to average equity (ytd only) | 2.9932% | 3,911 |
| Net charge-offs to loans | -0.0458% | 4,315 |
| Credit loss provision to net charge-offs | -657.5342% | 3,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4517% | 780 |
| Assets per employee ($millions) | 6.7443% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 2,599 |
| Loan loss allowance to noncurrent loans | 598.2857% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.1469% | 3,131 |
| Noncurrent loans to loans | 0.2135% | 3,098 |
| Net loans and leases to total assets | 67.9017% | 1,335 |
| Net loans and leases to deposits | 80.4081% | 1,249 |
| Net loans and leases to core deposits | 85.6254% | 1,317 |
| Total domestic deposits to total assets | 84.4463% | 3,321 |
| Equity capital to assets | 10.4046% | 2,527 |
| Core capital (leverage) ratio | 10.6209% | 1,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3459% | 1,848 |
| Memoranda: | ||
| Average total assets | $311,693,250 | 2,403 |
| Average earning assets | $297,171,500 | 2,371 |
| Average equity | $31,537,500 | 2,476 |
| Average total loans | $212,377,250 | 2,186 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7576% | 2,180 |
| Cost of funding earning assets | 0.6664% | 529 |
| Net interest margin | 3.0912% | 3,061 |
| Noninterest income to average assets | 0.1086% | 4,662 |
| Noninterest expense to average assets | 2.3897% | 2,499 |
| Loan and lease loss provision to assets | 0.3036% | 280 |
| Net operating income to assets | 0.2685% | 4,562 |
| Return on assets (ROA) | 0.2685% | 4,579 |
| Pretax return on assets | 0.3603% | 4,536 |
| Return on Equity (ROE) | 2.6844% | 4,529 |
| Retained earnings to average equity (ytd only) | 2.6844% | 3,946 |
| Net charge-offs to loans | -0.0030% | 3,289 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2589% | 898 |
| Assets per employee ($millions) | 6.7668% | 1,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3594% | 2,157 |
| Loan loss allowance to noncurrent loans | 534.4464% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 3,121 |
| Noncurrent loans to loans | 0.2544% | 3,029 |
| Net loans and leases to total assets | 66.5482% | 1,627 |
| Net loans and leases to deposits | 77.8927% | 1,638 |
| Net loans and leases to core deposits | 82.3755% | 1,694 |
| Total domestic deposits to total assets | 85.4358% | 2,928 |
| Equity capital to assets | 9.0188% | 3,778 |
| Core capital (leverage) ratio | 9.3670% | 3,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2605% | 2,260 |
| Memoranda: | ||
| Average total assets | $296,442,333 | 2,468 |
| Average earning assets | $282,413,667 | 2,436 |
| Average equity | $29,653,000 | 2,582 |
| Average total loans | $201,218,667 | 2,270 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4857% | 2,965 |
| Cost of funding earning assets | 0.6619% | 643 |
| Net interest margin | 2.8238% | 3,706 |
| Noninterest income to average assets | 0.0975% | 4,697 |
| Noninterest expense to average assets | 2.3336% | 2,692 |
| Loan and lease loss provision to assets | 0.1291% | 1,064 |
| Net operating income to assets | 0.2395% | 4,605 |
| Return on assets (ROA) | 0.2395% | 4,626 |
| Pretax return on assets | 0.3213% | 4,578 |
| Return on Equity (ROE) | 2.2623% | 4,578 |
| Retained earnings to average equity (ytd only) | 2.2623% | 3,958 |
| Net charge-offs to loans | -0.0063% | 3,487 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8228% | 604 |
| Assets per employee ($millions) | 6.7997% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 2,069 |
| Loan loss allowance to noncurrent loans | 603.8288% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 3,408 |
| Noncurrent loans to loans | 0.2280% | 3,282 |
| Net loans and leases to total assets | 65.6779% | 1,835 |
| Net loans and leases to deposits | 78.5121% | 1,669 |
| Net loans and leases to core deposits | 83.4746% | 1,719 |
| Total domestic deposits to total assets | 83.6533% | 3,531 |
| Equity capital to assets | 10.1276% | 2,582 |
| Core capital (leverage) ratio | 10.6286% | 1,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5889% | 1,711 |
| Memoranda: | ||
| Average total assets | $278,877,000 | 2,548 |
| Average earning assets | $265,314,000 | 2,517 |
| Average equity | $29,527,500 | 2,582 |
| Average total loans | $189,979,500 | 2,349 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3637% | 1,682 |
| Cost of funding earning assets | 0.9502% | 714 |
| Net interest margin | 3.4135% | 2,735 |
| Noninterest income to average assets | 0.1106% | 4,708 |
| Noninterest expense to average assets | 2.6569% | 2,365 |
| Loan and lease loss provision to assets | 0.4819% | 540 |
| Net operating income to assets | 0.1930% | 4,580 |
| Return on assets (ROA) | 0.4495% | 4,222 |
| Pretax return on assets | 0.4918% | 4,288 |
| Return on Equity (ROE) | 3.5983% | 4,248 |
| Retained earnings to average equity (ytd only) | 3.5983% | 3,037 |
| Net charge-offs to loans | -0.0313% | 4,549 |
| Credit loss provision to net charge-offs | -2,130.4348% | 4,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3392% | 935 |
| Assets per employee ($millions) | 6.3182% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 1,981 |
| Loan loss allowance to noncurrent loans | 408.2019% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 3,097 |
| Noncurrent loans to loans | 0.3423% | 2,982 |
| Net loans and leases to total assets | 68.8316% | 1,716 |
| Net loans and leases to deposits | 83.9453% | 1,465 |
| Net loans and leases to core deposits | 89.5855% | 1,563 |
| Total domestic deposits to total assets | 81.9957% | 3,663 |
| Equity capital to assets | 11.0953% | 2,177 |
| Core capital (leverage) ratio | 11.8097% | 1,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8198% | 1,305 |
| Memoranda: | ||
| Average total assets | $203,354,800 | 2,913 |
| Average earning assets | $192,910,800 | 2,883 |
| Average equity | $25,400,800 | 2,773 |
| Average total loans | $146,919,600 | 2,689 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6531% | 1,181 |
| Cost of funding earning assets | 1.0333% | 681 |
| Net interest margin | 3.6198% | 2,203 |
| Noninterest income to average assets | 0.1136% | 4,709 |
| Noninterest expense to average assets | 2.7390% | 2,146 |
| Loan and lease loss provision to assets | 0.5393% | 518 |
| Net operating income to assets | 0.1940% | 4,605 |
| Return on assets (ROA) | 0.5153% | 4,088 |
| Pretax return on assets | 0.6707% | 3,967 |
| Return on Equity (ROE) | 3.9687% | 4,162 |
| Retained earnings to average equity (ytd only) | 3.9687% | 3,066 |
| Net charge-offs to loans | -0.0485% | 4,663 |
| Credit loss provision to net charge-offs | -1,520.0000% | 4,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3192% | 1,102 |
| Assets per employee ($millions) | 5.3952% | 2,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 1,691 |
| Loan loss allowance to noncurrent loans | 616.1039% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 3,574 |
| Noncurrent loans to loans | 0.2292% | 3,485 |
| Net loans and leases to total assets | 73.0867% | 1,488 |
| Net loans and leases to deposits | 90.5024% | 1,224 |
| Net loans and leases to core deposits | 95.0990% | 1,535 |
| Total domestic deposits to total assets | 80.7567% | 3,707 |
| Equity capital to assets | 11.0080% | 2,393 |
| Core capital (leverage) ratio | 11.5845% | 1,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5244% | 1,988 |
| Memoranda: | ||
| Average total assets | $187,852,250 | 3,029 |
| Average earning assets | $177,941,000 | 3,005 |
| Average equity | $24,390,250 | 2,844 |
| Average total loans | $137,338,750 | 2,781 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9989% | 828 |
| Cost of funding earning assets | 1.1452% | 619 |
| Net interest margin | 3.8538% | 1,684 |
| Noninterest income to average assets | 0.1063% | 4,757 |
| Noninterest expense to average assets | 2.8502% | 1,974 |
| Loan and lease loss provision to assets | 0.8232% | 292 |
| Net operating income to assets | 0.0370% | 4,742 |
| Return on assets (ROA) | 0.5545% | 3,954 |
| Pretax return on assets | 0.7431% | 3,760 |
| Return on Equity (ROE) | 4.0073% | 4,104 |
| Retained earnings to average equity (ytd only) | 4.0073% | 2,902 |
| Net charge-offs to loans | 0.0063% | 2,740 |
| Credit loss provision to net charge-offs | 18,000.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 199.2500% | 454 |
| Efficiency ratio | 75.7751% | 1,287 |
| Assets per employee ($millions) | 5.8868% | 2,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 1,348 |
| Loan loss allowance to noncurrent loans | 390.0685% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 3,190 |
| Noncurrent loans to loans | 0.3774% | 3,062 |
| Net loans and leases to total assets | 73.9999% | 1,413 |
| Net loans and leases to deposits | 92.9643% | 1,055 |
| Net loans and leases to core deposits | 98.1038% | 1,401 |
| Total domestic deposits to total assets | 79.6004% | 3,915 |
| Equity capital to assets | 11.9512% | 1,695 |
| Core capital (leverage) ratio | 12.0749% | 1,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5443% | 968 |
| Memoranda: | ||
| Average total assets | $174,937,000 | 3,120 |
| Average earning assets | $165,915,000 | 3,084 |
| Average equity | $24,205,667 | 2,837 |
| Average total loans | $127,123,333 | 2,891 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5356% | 2,207 |
| Cost of funding earning assets | 1.2483% | 656 |
| Net interest margin | 3.2873% | 3,623 |
| Noninterest income to average assets | 0.0929% | 4,854 |
| Noninterest expense to average assets | 3.1195% | 1,587 |
| Loan and lease loss provision to assets | 0.8533% | 280 |
| Net operating income to assets | -0.6592% | 4,953 |
| Return on assets (ROA) | 0.4768% | 4,008 |
| Pretax return on assets | 0.6776% | 3,749 |
| Return on Equity (ROE) | 3.1671% | 4,172 |
| Retained earnings to average equity (ytd only) | 3.1671% | 3,011 |
| Net charge-offs to loans | 0.0177% | 2,020 |
| Credit loss provision to net charge-offs | 6,800.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 7.4000% | 1,925 |
| Efficiency ratio | 97.1094% | 294 |
| Assets per employee ($millions) | 5.2049% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5398% | 1,223 |
| Loan loss allowance to noncurrent loans | 526.9444% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.1976% | 3,696 |
| Noncurrent loans to loans | 0.2922% | 3,455 |
| Net loans and leases to total assets | 66.5840% | 2,751 |
| Net loans and leases to deposits | 86.0746% | 1,991 |
| Net loans and leases to core deposits | 98.0907% | 1,616 |
| Total domestic deposits to total assets | 77.3561% | 4,314 |
| Equity capital to assets | 13.1935% | 1,346 |
| Core capital (leverage) ratio | 14.8124% | 713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9837% | 868 |
| Memoranda: | ||
| Average total assets | $159,386,500 | 3,220 |
| Average earning assets | $151,248,000 | 3,180 |
| Average equity | $23,996,500 | 2,849 |
| Average total loans | $113,312,000 | 3,042 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1482% | 1,111 |
| Cost of funding earning assets | 0.9598% | 1,908 |
| Net interest margin | 4.1884% | 1,342 |
| Noninterest income to average assets | 0.0661% | 4,998 |
| Noninterest expense to average assets | 4.5940% | 281 |
| Loan and lease loss provision to assets | 0.6177% | 192 |
| Net operating income to assets | -0.9046% | 5,090 |
| Return on assets (ROA) | -0.9046% | 5,093 |
| Pretax return on assets | -1.1571% | 5,106 |
| Return on Equity (ROE) | -4.5110% | 5,070 |
| Retained earnings to average equity (ytd only) | -4.5110% | 4,964 |
| Net charge-offs to loans | 0.0387% | 2,609 |
| Credit loss provision to net charge-offs | 2,210.0000% | 176 |
| Earnings coverage of net charge-offs (x) | -19.3000% | 3,699 |
| Efficiency ratio | 113.3042% | 92 |
| Assets per employee ($millions) | 3.7944% | 4,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 1,196 |
| Loan loss allowance to noncurrent loans | 263.4064% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.4341% | 2,657 |
| Noncurrent loans to loans | 0.5733% | 2,469 |
| Net loans and leases to total assets | 74.5732% | 1,661 |
| Net loans and leases to deposits | 101.5380% | 498 |
| Net loans and leases to core deposits | 119.2278% | 497 |
| Total domestic deposits to total assets | 73.4436% | 4,798 |
| Equity capital to assets | 17.5388% | 411 |
| Core capital (leverage) ratio | 19.1069% | 270 |
| Tier 1 risk-based capital ratio | 22.9988% | 913 |
| Total risk-based capital ratio | 24.2517% | 891 |
| Memoranda: | ||
| Average total assets | $107,336,800 | 3,876 |
| Average earning assets | $102,211,000 | 3,829 |
| Average equity | $21,525,200 | 3,003 |
| Average total loans | $77,516,000 | 3,644 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3039% | 857 |
| Cost of funding earning assets | 0.9390% | 2,048 |
| Net interest margin | 4.3650% | 1,023 |
| Noninterest income to average assets | 0.0760% | 5,055 |
| Noninterest expense to average assets | 4.8109% | 236 |
| Loan and lease loss provision to assets | 0.2506% | 649 |
| Net operating income to assets | -0.6585% | 5,152 |
| Return on assets (ROA) | -0.6585% | 5,157 |
| Pretax return on assets | -0.8398% | 5,160 |
| Return on Equity (ROE) | -3.1489% | 5,138 |
| Retained earnings to average equity (ytd only) | -3.1489% | 4,996 |
| Net charge-offs to loans | 0.0563% | 2,024 |
| Credit loss provision to net charge-offs | 626.6667% | 521 |
| Earnings coverage of net charge-offs (x) | -14.7330% | 3,432 |
| Efficiency ratio | 113.9564% | 95 |
| Assets per employee ($millions) | 3.4527% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 1,247 |
| Loan loss allowance to noncurrent loans | 182.3826% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.5602% | 2,324 |
| Noncurrent loans to loans | 0.8231% | 1,918 |
| Net loans and leases to total assets | 64.5533% | 3,232 |
| Net loans and leases to deposits | 96.6305% | 939 |
| Net loans and leases to core deposits | 106.8557% | 1,120 |
| Total domestic deposits to total assets | 66.8042% | 5,086 |
| Equity capital to assets | 22.0931% | 182 |
| Core capital (leverage) ratio | 23.0116% | 154 |
| Tier 1 risk-based capital ratio | 33.0408% | 398 |
| Total risk-based capital ratio | 34.2925% | 390 |
| Memoranda: | ||
| Average total assets | $100,021,000 | 4,044 |
| Average earning assets | $94,996,250 | 3,998 |
| Average equity | $20,917,000 | 3,071 |
| Average total loans | $71,037,750 | 3,800 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4484% | 619 |
| Cost of funding earning assets | 0.9019% | 2,129 |
| Net interest margin | 4.5465% | 690 |
| Noninterest income to average assets | 0.0725% | 5,113 |
| Noninterest expense to average assets | 5.1009% | 210 |
| Loan and lease loss provision to assets | 0.3895% | 316 |
| Net operating income to assets | -0.8640% | 5,215 |
| Return on assets (ROA) | -0.8640% | 5,219 |
| Pretax return on assets | -1.1043% | 5,230 |
| Return on Equity (ROE) | -4.2222% | 5,200 |
| Retained earnings to average equity (ytd only) | -4.2222% | 5,030 |
| Net charge-offs to loans | 0.0850% | 1,514 |
| Credit loss provision to net charge-offs | 626.6667% | 506 |
| Earnings coverage of net charge-offs (x) | -11.5000% | 3,150 |
| Efficiency ratio | 116.2966% | 81 |
| Assets per employee ($millions) | 3.1576% | 4,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 1,276 |
| Loan loss allowance to noncurrent loans | 154.1844% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.6977% | 1,968 |
| Noncurrent loans to loans | 0.9732% | 1,682 |
| Net loans and leases to total assets | 70.6158% | 2,447 |
| Net loans and leases to deposits | 90.0683% | 1,728 |
| Net loans and leases to core deposits | 99.2102% | 1,791 |
| Total domestic deposits to total assets | 78.4025% | 4,329 |
| Equity capital to assets | 19.3302% | 276 |
| Core capital (leverage) ratio | 19.3387% | 261 |
| Tier 1 risk-based capital ratio | 26.1745% | 675 |
| Total risk-based capital ratio | 27.4262% | 663 |
| Memoranda: | ||
| Average total assets | $96,532,330 | 4,123 |
| Average earning assets | $91,586,670 | 4,085 |
| Average equity | $19,752,670 | 3,168 |
| Average total loans | $70,580,330 | 3,829 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4252% | 599 |
| Cost of funding earning assets | 0.7993% | 2,545 |
| Net interest margin | 4.6259% | 577 |
| Noninterest income to average assets | 0.0679% | 5,170 |
| Noninterest expense to average assets | 4.8199% | 233 |
| Loan and lease loss provision to assets | 0.5770% | 181 |
| Net operating income to assets | -0.7298% | 5,271 |
| Return on assets (ROA) | -0.7298% | 5,266 |
| Pretax return on assets | -0.9334% | 5,274 |
| Return on Equity (ROE) | -3.4637% | 5,246 |
| Retained earnings to average equity (ytd only) | -3.4637% | 4,840 |
| Net charge-offs to loans | 0.2182% | 645 |
| Credit loss provision to net charge-offs | 357.8947% | 749 |
| Earnings coverage of net charge-offs (x) | -2.2105% | 2,702 |
| Efficiency ratio | 107.8897% | 117 |
| Assets per employee ($millions) | 2.7695% | 5,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 1,597 |
| Loan loss allowance to noncurrent loans | 142.4411% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.7763% | 1,817 |
| Noncurrent loans to loans | 0.9972% | 1,676 |
| Net loans and leases to total assets | 71.4920% | 2,254 |
| Net loans and leases to deposits | 91.6595% | 1,439 |
| Net loans and leases to core deposits | 106.5456% | 1,134 |
| Total domestic deposits to total assets | 77.9974% | 4,517 |
| Equity capital to assets | 19.8361% | 243 |
| Core capital (leverage) ratio | 21.5821% | 180 |
| Tier 1 risk-based capital ratio | 27.0620% | 614 |
| Total risk-based capital ratio | 28.3131% | 601 |
| Memoranda: | ||
| Average total assets | $94,276,500 | 4,192 |
| Average earning assets | $89,582,000 | 4,154 |
| Average equity | $19,863,000 | 3,169 |
| Average total loans | $69,650,500 | 3,872 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3484% | 538 |
| Cost of funding earning assets | 0.5934% | 2,773 |
| Net interest margin | 4.7549% | 438 |
| Noninterest income to average assets | 0.1731% | 4,861 |
| Noninterest expense to average assets | 4.6163% | 273 |
| Loan and lease loss provision to assets | 0.2119% | 875 |
| Net operating income to assets | -0.0763% | 5,255 |
| Return on assets (ROA) | -0.0763% | 5,251 |
| Pretax return on assets | -0.0763% | 5,246 |
| Return on Equity (ROE) | -0.3142% | 5,241 |
| Retained earnings to average equity (ytd only) | -0.3142% | 5,020 |
| Net charge-offs to loans | -0.2767% | 5,303 |
| Credit loss provision to net charge-offs | -112.9032% | 4,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1210% | 187 |
| Assets per employee ($millions) | 2.5386% | 5,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3867% | 1,691 |
| Loan loss allowance to noncurrent loans | 154.8333% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.6753% | 2,035 |
| Noncurrent loans to loans | 0.8956% | 1,796 |
| Net loans and leases to total assets | 74.3559% | 1,877 |
| Net loans and leases to deposits | 96.3946% | 1,035 |
| Net loans and leases to core deposits | 113.7148% | 789 |
| Total domestic deposits to total assets | 77.1370% | 4,612 |
| Equity capital to assets | 22.4522% | 163 |
| Core capital (leverage) ratio | 22.5196% | 157 |
| Tier 1 risk-based capital ratio | 32.8303% | 372 |
| Total risk-based capital ratio | 34.0827% | 368 |
| Memoranda: | ||
| Average total assets | $82,599,000 | 4,388 |
| Average earning assets | $79,538,400 | 4,323 |
| Average equity | $20,049,400 | 3,086 |
| Average total loans | $56,014,800 | 4,185 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1598% | 678 |
| Cost of funding earning assets | 0.5528% | 2,844 |
| Net interest margin | 4.6070% | 590 |
| Noninterest income to average assets | 0.1250% | 5,119 |
| Noninterest expense to average assets | 4.3469% | 343 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.1629% | 5,220 |
| Return on assets (ROA) | 0.1629% | 5,212 |
| Pretax return on assets | 0.2205% | 5,194 |
| Return on Equity (ROE) | 0.6576% | 5,256 |
| Retained earnings to average equity (ytd only) | 0.6576% | 4,919 |
| Net charge-offs to loans | -0.3029% | 5,362 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1369% | 216 |
| Assets per employee ($millions) | 2.9620% | 5,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 2,520 |
| Loan loss allowance to noncurrent loans | 149.2754% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.6089% | 2,355 |
| Noncurrent loans to loans | 0.8162% | 2,071 |
| Net loans and leases to total assets | 68.0497% | 2,928 |
| Net loans and leases to deposits | 89.4859% | 1,964 |
| Net loans and leases to core deposits | 105.9775% | 1,312 |
| Total domestic deposits to total assets | 76.0451% | 4,785 |
| Equity capital to assets | 23.4124% | 134 |
| Core capital (leverage) ratio | 23.9502% | 124 |
| Tier 1 risk-based capital ratio | 36.3199% | 293 |
| Total risk-based capital ratio | 37.5695% | 288 |
| Memoranda: | ||
| Average total assets | $81,036,000 | 4,457 |
| Average earning assets | $78,140,000 | 4,392 |
| Average equity | $20,074,500 | 3,109 |
| Average total loans | $53,269,750 | 4,287 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0516% | 726 |
| Cost of funding earning assets | 0.5169% | 2,880 |
| Net interest margin | 4.5347% | 643 |
| Noninterest income to average assets | 0.1612% | 5,019 |
| Noninterest expense to average assets | 4.2612% | 380 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2040% | 5,225 |
| Return on assets (ROA) | 0.2040% | 5,218 |
| Pretax return on assets | 0.2745% | 5,182 |
| Return on Equity (ROE) | 0.8075% | 5,288 |
| Retained earnings to average equity (ytd only) | 0.8075% | 4,803 |
| Net charge-offs to loans | -0.0117% | 4,368 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9478% | 262 |
| Assets per employee ($millions) | 2.9126% | 5,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0437% | 3,567 |
| Loan loss allowance to noncurrent loans | 59.9602% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 1.2311% | 1,165 |
| Noncurrent loans to loans | 1.7406% | 910 |
| Net loans and leases to total assets | 69.9909% | 2,581 |
| Net loans and leases to deposits | 93.6028% | 1,404 |
| Net loans and leases to core deposits | 112.2321% | 873 |
| Total domestic deposits to total assets | 74.7744% | 4,967 |
| Equity capital to assets | 24.6370% | 114 |
| Core capital (leverage) ratio | 24.4750% | 116 |
| Tier 1 risk-based capital ratio | 38.9571% | 245 |
| Total risk-based capital ratio | 40.1310% | 244 |
| Memoranda: | ||
| Average total assets | $79,415,000 | 4,525 |
| Average earning assets | $76,610,000 | 4,459 |
| Average equity | $20,062,330 | 3,123 |
| Average total loans | $51,301,330 | 4,368 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8853% | 899 |
| Cost of funding earning assets | 0.4901% | 2,867 |
| Net interest margin | 4.3951% | 776 |
| Noninterest income to average assets | 0.1991% | 4,833 |
| Noninterest expense to average assets | 4.0640% | 489 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2553% | 5,169 |
| Return on assets (ROA) | 0.2553% | 5,170 |
| Pretax return on assets | 0.3472% | 5,106 |
| Return on Equity (ROE) | 0.9976% | 5,310 |
| Retained earnings to average equity (ytd only) | 0.9976% | 4,630 |
| Net charge-offs to loans | -0.0249% | 4,660 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1296% | 360 |
| Assets per employee ($millions) | 3.2405% | 4,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 2,743 |
| Loan loss allowance to noncurrent loans | 56.3670% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 1.4195% | 1,010 |
| Noncurrent loans to loans | 2.1481% | 715 |
| Net loans and leases to total assets | 60.6281% | 3,689 |
| Net loans and leases to deposits | 81.1982% | 2,669 |
| Net loans and leases to core deposits | 95.9128% | 1,983 |
| Total domestic deposits to total assets | 74.6667% | 5,092 |
| Equity capital to assets | 24.7655% | 106 |
| Core capital (leverage) ratio | 25.1481% | 105 |
| Tier 1 risk-based capital ratio | 43.0678% | 193 |
| Total risk-based capital ratio | 44.3178% | 189 |
| Memoranda: | ||
| Average total assets | $78,346,500 | 4,599 |
| Average earning assets | $75,083,000 | 4,538 |
| Average equity | $20,047,500 | 3,153 |
| Average total loans | $48,111,500 | 4,484 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8698% | 156 |
| Cost of funding earning assets | 0.6346% | 1,390 |
| Net interest margin | 5.2353% | 160 |
| Noninterest income to average assets | 0.2681% | 4,513 |
| Noninterest expense to average assets | 4.6744% | 271 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1557% | 5,187 |
| Return on assets (ROA) | 0.1557% | 5,191 |
| Pretax return on assets | 0.5605% | 4,825 |
| Return on Equity (ROE) | 0.8475% | 5,254 |
| Retained earnings to average equity (ytd only) | 0.8475% | 4,693 |
| Net charge-offs to loans | 0.3187% | 796 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 2.2657% | 3,770 |
| Efficiency ratio | 89.2928% | 460 |
| Assets per employee ($millions) | 3.2905% | 4,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 2,264 |
| Loan loss allowance to noncurrent loans | 45.8716% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 1.7283% | 731 |
| Noncurrent loans to loans | 2.8126% | 419 |
| Net loans and leases to total assets | 60.6559% | 3,774 |
| Net loans and leases to deposits | 83.1703% | 2,586 |
| Net loans and leases to core deposits | 95.9914% | 2,020 |
| Total domestic deposits to total assets | 72.9298% | 5,264 |
| Equity capital to assets | 26.4690% | 86 |
| Core capital (leverage) ratio | 36.2741% | 50 |
| Tier 1 risk-based capital ratio | 48.2769% | 127 |
| Total risk-based capital ratio | 49.5276% | 127 |
| Memoranda: | ||
| Average total assets | $57,804,000 | 5,009 |
| Average earning assets | $54,839,600 | 4,979 |
| Average equity | $10,620,000 | 4,361 |
| Average total loans | $44,875,400 | 4,594 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2606% | 96 |
| Cost of funding earning assets | 0.6842% | 1,046 |
| Net interest margin | 5.5764% | 92 |
| Noninterest income to average assets | 0.2725% | 4,553 |
| Noninterest expense to average assets | 4.3623% | 350 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7000% | 3,983 |
| Return on assets (ROA) | 0.7000% | 4,042 |
| Pretax return on assets | 1.2074% | 2,873 |
| Return on Equity (ROE) | 4.5158% | 4,707 |
| Retained earnings to average equity (ytd only) | 4.5158% | 3,214 |
| Net charge-offs to loans | 0.0720% | 2,100 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 20.1244% | 1,970 |
| Efficiency ratio | 78.3214% | 1,289 |
| Assets per employee ($millions) | 2.4937% | 5,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5878% | 1,268 |
| Loan loss allowance to noncurrent loans | 51.6547% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 2.6543% | 380 |
| Noncurrent loans to loans | 3.0738% | 399 |
| Net loans and leases to total assets | 84.9829% | 340 |
| Net loans and leases to deposits | 102.4023% | 590 |
| Net loans and leases to core deposits | 123.3488% | 477 |
| Total domestic deposits to total assets | 82.9893% | 3,455 |
| Equity capital to assets | 16.0616% | 535 |
| Core capital (leverage) ratio | 15.7793% | 522 |
| Tier 1 risk-based capital ratio | 22.4561% | 1,000 |
| Total risk-based capital ratio | 23.7158% | 982 |
| Memoranda: | ||
| Average total assets | $53,334,750 | 5,153 |
| Average earning assets | $50,665,000 | 5,106 |
| Average equity | $8,267,000 | 4,788 |
| Average total loans | $44,468,000 | 4,650 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0716% | 114 |
| Cost of funding earning assets | 0.6803% | 993 |
| Net interest margin | 5.3913% | 125 |
| Noninterest income to average assets | 0.2758% | 4,578 |
| Noninterest expense to average assets | 4.2790% | 384 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6597% | 4,032 |
| Return on assets (ROA) | 0.6597% | 4,092 |
| Pretax return on assets | 1.1368% | 3,020 |
| Return on Equity (ROE) | 4.3071% | 4,731 |
| Retained earnings to average equity (ytd only) | 4.3071% | 3,143 |
| Net charge-offs to loans | 0.1086% | 1,547 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 12.7083% | 2,171 |
| Efficiency ratio | 79.0089% | 1,335 |
| Assets per employee ($millions) | 2.3830% | 5,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5912% | 1,280 |
| Loan loss allowance to noncurrent loans | 48.5135% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 2.8231% | 346 |
| Noncurrent loans to loans | 3.2799% | 369 |
| Net loans and leases to total assets | 84.7020% | 377 |
| Net loans and leases to deposits | 101.4484% | 640 |
| Net loans and leases to core deposits | 121.0110% | 516 |
| Total domestic deposits to total assets | 83.4926% | 3,406 |
| Equity capital to assets | 15.8436% | 552 |
| Core capital (leverage) ratio | 15.0329% | 621 |
| Tier 1 risk-based capital ratio | 22.3539% | 1,007 |
| Total risk-based capital ratio | 23.6130% | 988 |
| Memoranda: | ||
| Average total assets | $53,657,330 | 5,180 |
| Average earning assets | $51,156,330 | 5,135 |
| Average equity | $8,219,000 | 4,823 |
| Average total loans | $44,217,000 | 4,680 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9665% | 129 |
| Cost of funding earning assets | 0.6647% | 1,003 |
| Net interest margin | 5.3019% | 136 |
| Noninterest income to average assets | 0.3611% | 3,951 |
| Noninterest expense to average assets | 4.2599% | 404 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6707% | 3,834 |
| Return on assets (ROA) | 0.6707% | 3,873 |
| Pretax return on assets | 1.1571% | 2,754 |
| Return on Equity (ROE) | 4.4523% | 4,618 |
| Retained earnings to average equity (ytd only) | 4.4523% | 3,199 |
| Net charge-offs to loans | 0.2194% | 810 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 6.5417% | 2,210 |
| Efficiency ratio | 78.6395% | 1,543 |
| Assets per employee ($millions) | 2.7137% | 5,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6438% | 1,263 |
| Loan loss allowance to noncurrent loans | 46.3226% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 2.9167% | 354 |
| Noncurrent loans to loans | 3.5487% | 334 |
| Net loans and leases to total assets | 79.1554% | 956 |
| Net loans and leases to deposits | 93.8688% | 1,119 |
| Net loans and leases to core deposits | 111.0164% | 829 |
| Total domestic deposits to total assets | 84.3255% | 3,354 |
| Equity capital to assets | 15.1475% | 629 |
| Core capital (leverage) ratio | 14.8807% | 628 |
| Tier 1 risk-based capital ratio | 21.7695% | 1,112 |
| Total risk-based capital ratio | 23.0276% | 1,087 |
| Memoranda: | ||
| Average total assets | $54,273,500 | 5,218 |
| Average earning assets | $51,755,500 | 5,177 |
| Average equity | $8,175,500 | 4,866 |
| Average total loans | $43,764,000 | 4,735 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2362% | 91 |
| Cost of funding earning assets | 0.6451% | 1,082 |
| Net interest margin | 5.5911% | 96 |
| Noninterest income to average assets | 0.3741% | 4,069 |
| Noninterest expense to average assets | 4.6466% | 332 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6122% | 4,156 |
| Return on assets (ROA) | 0.6122% | 4,274 |
| Pretax return on assets | 1.0506% | 3,294 |
| Return on Equity (ROE) | 4.0671% | 4,811 |
| Retained earnings to average equity (ytd only) | 4.0671% | 3,024 |
| Net charge-offs to loans | 1.0786% | 172 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1.1535% | 4,033 |
| Efficiency ratio | 81.5589% | 1,253 |
| Assets per employee ($millions) | 2.3597% | 5,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6921% | 1,156 |
| Loan loss allowance to noncurrent loans | 43.2905% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 3.6131% | 235 |
| Noncurrent loans to loans | 3.9088% | 271 |
| Net loans and leases to total assets | 79.4266% | 971 |
| Net loans and leases to deposits | 93.9725% | 1,194 |
| Net loans and leases to core deposits | 108.9549% | 964 |
| Total domestic deposits to total assets | 84.5211% | 3,232 |
| Equity capital to assets | 14.9795% | 646 |
| Core capital (leverage) ratio | 14.7748% | 637 |
| Tier 1 risk-based capital ratio | 21.1450% | 1,183 |
| Total risk-based capital ratio | 22.4053% | 1,170 |
| Memoranda: | ||
| Average total assets | $52,920,000 | 5,287 |
| Average earning assets | $50,383,600 | 5,240 |
| Average equity | $7,966,400 | 4,939 |
| Average total loans | $44,686,800 | 4,725 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2787% | 87 |
| Cost of funding earning assets | 0.6316% | 1,132 |
| Net interest margin | 5.6471% | 92 |
| Noninterest income to average assets | 0.3930% | 3,969 |
| Noninterest expense to average assets | 4.6910% | 326 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6212% | 4,205 |
| Return on assets (ROA) | 0.6212% | 4,329 |
| Pretax return on assets | 1.0751% | 3,333 |
| Return on Equity (ROE) | 4.1216% | 4,860 |
| Retained earnings to average equity (ytd only) | 4.1216% | 3,375 |
| Net charge-offs to loans | 1.3305% | 112 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 0.9464% | 3,748 |
| Efficiency ratio | 81.3544% | 1,266 |
| Assets per employee ($millions) | 2.3302% | 5,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7417% | 1,122 |
| Loan loss allowance to noncurrent loans | 39.5313% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 4.1235% | 197 |
| Noncurrent loans to loans | 4.4060% | 224 |
| Net loans and leases to total assets | 81.6811% | 661 |
| Net loans and leases to deposits | 97.0127% | 952 |
| Net loans and leases to core deposits | 114.4138% | 710 |
| Total domestic deposits to total assets | 84.1963% | 3,143 |
| Equity capital to assets | 15.0219% | 736 |
| Core capital (leverage) ratio | 14.8431% | 663 |
| Tier 1 risk-based capital ratio | 20.7666% | 1,308 |
| Total risk-based capital ratio | 22.0274% | 1,281 |
| Memoranda: | ||
| Average total assets | $52,581,500 | 5,349 |
| Average earning assets | $50,030,500 | 5,297 |
| Average equity | $7,925,500 | 4,998 |
| Average total loans | $44,896,000 | 4,758 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2247% | 97 |
| Cost of funding earning assets | 0.6229% | 1,178 |
| Net interest margin | 5.6018% | 101 |
| Noninterest income to average assets | 0.4785% | 3,343 |
| Noninterest expense to average assets | 4.7202% | 324 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6355% | 4,117 |
| Return on assets (ROA) | 0.6355% | 4,261 |
| Pretax return on assets | 1.0949% | 3,217 |
| Return on Equity (ROE) | 4.2112% | 4,833 |
| Retained earnings to average equity (ytd only) | 4.2112% | 3,231 |
| Net charge-offs to loans | 1.7729% | 81 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 0.7168% | 3,491 |
| Efficiency ratio | 81.0402% | 1,381 |
| Assets per employee ($millions) | 2.1966% | 5,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8162% | 1,056 |
| Loan loss allowance to noncurrent loans | 33.2393% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 5.1766% | 141 |
| Noncurrent loans to loans | 5.4640% | 153 |
| Net loans and leases to total assets | 84.6011% | 376 |
| Net loans and leases to deposits | 100.3397% | 669 |
| Net loans and leases to core deposits | 119.9408% | 512 |
| Total domestic deposits to total assets | 84.3147% | 3,153 |
| Equity capital to assets | 15.1220% | 708 |
| Core capital (leverage) ratio | 14.8321% | 638 |
| Tier 1 risk-based capital ratio | 20.1486% | 1,430 |
| Total risk-based capital ratio | 21.4111% | 1,392 |
| Memoranda: | ||
| Average total assets | $52,243,670 | 5,414 |
| Average earning assets | $49,769,670 | 5,357 |
| Average equity | $7,883,670 | 5,045 |
| Average total loans | $45,010,330 | 4,796 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3120% | 91 |
| Cost of funding earning assets | 0.6119% | 1,256 |
| Net interest margin | 5.7001% | 89 |
| Noninterest income to average assets | 0.3000% | 4,582 |
| Noninterest expense to average assets | 4.8609% | 293 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5153% | 4,560 |
| Return on assets (ROA) | 0.5153% | 4,669 |
| Pretax return on assets | 0.8845% | 3,913 |
| Return on Equity (ROE) | 3.4186% | 5,096 |
| Retained earnings to average equity (ytd only) | 3.4186% | 3,796 |
| Net charge-offs to loans | 3.5801% | 29 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.2868% | 2,944 |
| Efficiency ratio | 84.4712% | 1,116 |
| Assets per employee ($millions) | 2.1743% | 5,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8760% | 1,003 |
| Loan loss allowance to noncurrent loans | 42.0327% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 4.0742% | 245 |
| Noncurrent loans to loans | 4.4632% | 244 |
| Net loans and leases to total assets | 82.4940% | 507 |
| Net loans and leases to deposits | 97.5990% | 791 |
| Net loans and leases to core deposits | 117.6437% | 544 |
| Total domestic deposits to total assets | 84.5234% | 3,307 |
| Equity capital to assets | 15.0876% | 673 |
| Core capital (leverage) ratio | 14.8049% | 642 |
| Tier 1 risk-based capital ratio | 20.6140% | 1,382 |
| Total risk-based capital ratio | 21.8784% | 1,359 |
| Memoranda: | ||
| Average total assets | $52,006,500 | 5,471 |
| Average earning assets | $49,683,500 | 5,411 |
| Average equity | $7,839,500 | 5,084 |
| Average total loans | $44,803,000 | 4,838 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3455% | 91 |
| Cost of funding earning assets | 0.6204% | 1,234 |
| Net interest margin | 5.7251% | 92 |
| Noninterest income to average assets | 0.2004% | 5,388 |
| Noninterest expense to average assets | 4.5236% | 406 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6719% | 3,943 |
| Return on assets (ROA) | 0.6719% | 4,030 |
| Pretax return on assets | 1.1547% | 2,824 |
| Return on Equity (ROE) | 4.6164% | 4,691 |
| Retained earnings to average equity (ytd only) | 4.6164% | 2,695 |
| Net charge-offs to loans | -0.5747% | 6,094 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4622% | 1,753 |
| Assets per employee ($millions) | 2.1596% | 6,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6762% | 327 |
| Loan loss allowance to noncurrent loans | 57.1963% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 4.1442% | 247 |
| Noncurrent loans to loans | 4.6790% | 219 |
| Net loans and leases to total assets | 85.8791% | 239 |
| Net loans and leases to deposits | 101.5097% | 578 |
| Net loans and leases to core deposits | 119.4857% | 488 |
| Total domestic deposits to total assets | 84.6019% | 3,252 |
| Equity capital to assets | 15.0605% | 656 |
| Core capital (leverage) ratio | 14.5887% | 691 |
| Tier 1 risk-based capital ratio | 19.9853% | 1,487 |
| Total risk-based capital ratio | 21.2615% | 1,456 |
| Memoranda: | ||
| Average total assets | $52,392,400 | 5,495 |
| Average earning assets | $50,130,200 | 5,433 |
| Average equity | $7,625,000 | 5,127 |
| Average total loans | $45,243,000 | 4,822 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1751% | 112 |
| Cost of funding earning assets | 0.6202% | 1,274 |
| Net interest margin | 5.5549% | 114 |
| Noninterest income to average assets | 0.2690% | 5,008 |
| Noninterest expense to average assets | 4.4923% | 411 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6371% | 4,200 |
| Return on assets (ROA) | 0.6371% | 4,312 |
| Pretax return on assets | 1.0964% | 3,241 |
| Return on Equity (ROE) | 4.4152% | 4,865 |
| Retained earnings to average equity (ytd only) | 4.4152% | 3,326 |
| Net charge-offs to loans | -0.3132% | 6,094 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1998% | 1,633 |
| Assets per employee ($millions) | 2.3851% | 6,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3964% | 506 |
| Loan loss allowance to noncurrent loans | 47.0951% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 4.6195% | 237 |
| Noncurrent loans to loans | 5.0885% | 199 |
| Net loans and leases to total assets | 83.0522% | 469 |
| Net loans and leases to deposits | 98.1708% | 804 |
| Net loans and leases to core deposits | 117.6344% | 541 |
| Total domestic deposits to total assets | 84.5997% | 3,176 |
| Equity capital to assets | 14.6837% | 811 |
| Core capital (leverage) ratio | 14.7067% | 696 |
| Tier 1 risk-based capital ratio | 20.4860% | 1,437 |
| Total risk-based capital ratio | 21.7543% | 1,400 |
| Memoranda: | ||
| Average total assets | $52,532,750 | 5,568 |
| Average earning assets | $50,308,500 | 5,499 |
| Average equity | $7,579,750 | 5,200 |
| Average total loans | $45,119,750 | 4,877 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1750% | 109 |
| Cost of funding earning assets | 0.6195% | 1,289 |
| Net interest margin | 5.5556% | 113 |
| Noninterest income to average assets | 0.2398% | 5,239 |
| Noninterest expense to average assets | 4.4679% | 438 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6394% | 4,176 |
| Return on assets (ROA) | 0.6394% | 4,287 |
| Pretax return on assets | 1.0960% | 3,189 |
| Return on Equity (ROE) | 4.4574% | 4,832 |
| Retained earnings to average equity (ytd only) | 4.4574% | 3,172 |
| Net charge-offs to loans | 0.1988% | 1,263 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 6.4000% | 2,789 |
| Efficiency ratio | 80.1642% | 1,734 |
| Assets per employee ($millions) | 2.3967% | 6,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0382% | 927 |
| Loan loss allowance to noncurrent loans | 48.7275% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 3.8652% | 351 |
| Noncurrent loans to loans | 4.1828% | 346 |
| Net loans and leases to total assets | 83.7711% | 389 |
| Net loans and leases to deposits | 98.5168% | 747 |
| Net loans and leases to core deposits | 117.7961% | 535 |
| Total domestic deposits to total assets | 85.0323% | 3,109 |
| Equity capital to assets | 14.4556% | 830 |
| Core capital (leverage) ratio | 14.3727% | 746 |
| Tier 1 risk-based capital ratio | 19.8000% | 1,600 |
| Total risk-based capital ratio | 21.0625% | 1,552 |
| Memoranda: | ||
| Average total assets | $52,552,670 | 5,624 |
| Average earning assets | $50,364,000 | 5,553 |
| Average equity | $7,538,000 | 5,256 |
| Average total loans | $45,276,330 | 4,910 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1694% | 109 |
| Cost of funding earning assets | 0.6074% | 1,381 |
| Net interest margin | 5.5620% | 113 |
| Noninterest income to average assets | 0.2363% | 5,271 |
| Noninterest expense to average assets | 4.4220% | 452 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6404% | 4,087 |
| Return on assets (ROA) | 0.6404% | 4,210 |
| Pretax return on assets | 1.1207% | 2,994 |
| Return on Equity (ROE) | 4.4824% | 4,766 |
| Retained earnings to average equity (ytd only) | 4.4824% | 3,331 |
| Net charge-offs to loans | 0.1146% | 1,602 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 11.3077% | 1,871 |
| Efficiency ratio | 79.6424% | 1,938 |
| Assets per employee ($millions) | 2.4771% | 6,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0981% | 922 |
| Loan loss allowance to noncurrent loans | 45.0284% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 4.4983% | 300 |
| Noncurrent loans to loans | 4.6596% | 319 |
| Net loans and leases to total assets | 85.3037% | 234 |
| Net loans and leases to deposits | 100.2802% | 548 |
| Net loans and leases to core deposits | 117.1617% | 482 |
| Total domestic deposits to total assets | 85.0654% | 3,372 |
| Equity capital to assets | 14.4906% | 835 |
| Core capital (leverage) ratio | 14.3534% | 727 |
| Tier 1 risk-based capital ratio | 19.6215% | 1,707 |
| Total risk-based capital ratio | 20.8866% | 1,665 |
| Memoranda: | ||
| Average total assets | $52,465,500 | 5,675 |
| Average earning assets | $50,053,500 | 5,615 |
| Average equity | $7,496,000 | 5,303 |
| Average total loans | $45,370,000 | 4,938 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3321% | 104 |
| Cost of funding earning assets | 0.7880% | 692 |
| Net interest margin | 5.5441% | 126 |
| Noninterest income to average assets | 0.1269% | 6,057 |
| Noninterest expense to average assets | 4.1423% | 646 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7541% | 3,611 |
| Return on assets (ROA) | 0.7541% | 3,710 |
| Pretax return on assets | 1.2527% | 2,429 |
| Return on Equity (ROE) | 5.8127% | 4,251 |
| Retained earnings to average equity (ytd only) | 5.8127% | 2,054 |
| Net charge-offs to loans | 0.0489% | 3,847 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 30.4783% | 1,318 |
| Efficiency ratio | 76.6479% | 2,420 |
| Assets per employee ($millions) | 2.5196% | 6,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1227% | 915 |
| Loan loss allowance to noncurrent loans | 56.5728% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 3.6514% | 495 |
| Noncurrent loans to loans | 3.7521% | 525 |
| Net loans and leases to total assets | 84.0090% | 343 |
| Net loans and leases to deposits | 98.9009% | 689 |
| Net loans and leases to core deposits | 111.0389% | 732 |
| Total domestic deposits to total assets | 84.9426% | 3,309 |
| Equity capital to assets | 14.0878% | 927 |
| Core capital (leverage) ratio | 14.0878% | 793 |
| Tier 1 risk-based capital ratio | 19.6442% | 1,671 |
| Total risk-based capital ratio | 20.9092% | 1,634 |
| Memoranda: | ||
| Average total assets | $55,959,200 | 5,653 |
| Average earning assets | $53,173,400 | 5,589 |
| Average equity | $7,260,000 | 5,362 |
| Average total loans | $47,077,400 | 4,913 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3796% | 100 |
| Cost of funding earning assets | 0.8290% | 598 |
| Net interest margin | 5.5506% | 129 |
| Noninterest income to average assets | 0.1175% | 6,177 |
| Noninterest expense to average assets | 4.0807% | 700 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7875% | 3,478 |
| Return on assets (ROA) | 0.7875% | 3,586 |
| Pretax return on assets | 1.3093% | 2,343 |
| Return on Equity (ROE) | 6.1937% | 4,137 |
| Retained earnings to average equity (ytd only) | 6.1937% | 2,277 |
| Net charge-offs to loans | 0.0954% | 2,853 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 16.3832% | 1,979 |
| Efficiency ratio | 75.5778% | 2,564 |
| Assets per employee ($millions) | 2.4577% | 6,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0451% | 1,173 |
| Loan loss allowance to noncurrent loans | 51.8498% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 3.9282% | 515 |
| Noncurrent loans to loans | 3.9442% | 548 |
| Net loans and leases to total assets | 84.4220% | 312 |
| Net loans and leases to deposits | 98.7325% | 688 |
| Net loans and leases to core deposits | 115.9849% | 505 |
| Total domestic deposits to total assets | 85.5058% | 3,111 |
| Equity capital to assets | 13.6249% | 1,134 |
| Core capital (leverage) ratio | 13.6249% | 955 |
| Tier 1 risk-based capital ratio | 18.7699% | 1,967 |
| Total risk-based capital ratio | 20.0336% | 1,927 |
| Memoranda: | ||
| Average total assets | $56,721,250 | 5,697 |
| Average earning assets | $53,878,750 | 5,638 |
| Average equity | $7,211,500 | 5,418 |
| Average total loans | $47,493,250 | 4,952 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3801% | 100 |
| Cost of funding earning assets | 0.8373% | 589 |
| Net interest margin | 5.5428% | 125 |
| Noninterest income to average assets | 0.1528% | 6,030 |
| Noninterest expense to average assets | 3.9788% | 785 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8645% | 2,983 |
| Return on assets (ROA) | 0.8645% | 3,078 |
| Pretax return on assets | 1.4374% | 1,760 |
| Return on Equity (ROE) | 6.9556% | 3,643 |
| Retained earnings to average equity (ytd only) | 6.9556% | 1,798 |
| Net charge-offs to loans | 0.1339% | 2,332 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 12.9375% | 2,019 |
| Efficiency ratio | 73.4615% | 3,071 |
| Assets per employee ($millions) | 2.5916% | 6,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0040% | 1,353 |
| Loan loss allowance to noncurrent loans | 44.2539% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 4.6339% | 415 |
| Noncurrent loans to loans | 4.5285% | 484 |
| Net loans and leases to total assets | 81.9065% | 475 |
| Net loans and leases to deposits | 94.8742% | 892 |
| Net loans and leases to core deposits | 115.3945% | 494 |
| Total domestic deposits to total assets | 86.3317% | 2,855 |
| Equity capital to assets | 12.7721% | 1,506 |
| Core capital (leverage) ratio | 12.7721% | 1,252 |
| Tier 1 risk-based capital ratio | 17.0795% | 2,587 |
| Total risk-based capital ratio | 18.3413% | 2,547 |
| Memoranda: | ||
| Average total assets | $57,605,000 | 5,725 |
| Average earning assets | $54,701,330 | 5,669 |
| Average equity | $7,159,670 | 5,446 |
| Average total loans | $47,791,000 | 4,974 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5471% | 88 |
| Cost of funding earning assets | 0.8438% | 600 |
| Net interest margin | 5.7032% | 101 |
| Noninterest income to average assets | 0.1313% | 6,192 |
| Noninterest expense to average assets | 4.0276% | 734 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9188% | 2,556 |
| Return on assets (ROA) | 0.9188% | 2,631 |
| Pretax return on assets | 1.5199% | 1,372 |
| Return on Equity (ROE) | 7.4945% | 3,207 |
| Retained earnings to average equity (ytd only) | 7.4945% | 1,824 |
| Net charge-offs to loans | 0.3427% | 1,043 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.3659% | 2,378 |
| Efficiency ratio | 72.6027% | 3,377 |
| Assets per employee ($millions) | 2.7782% | 6,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9881% | 1,539 |
| Loan loss allowance to noncurrent loans | 57.1947% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 4.0177% | 582 |
| Noncurrent loans to loans | 3.4760% | 845 |
| Net loans and leases to total assets | 79.9390% | 555 |
| Net loans and leases to deposits | 91.8740% | 965 |
| Net loans and leases to core deposits | 111.0032% | 553 |
| Total domestic deposits to total assets | 87.0094% | 2,804 |
| Equity capital to assets | 12.2810% | 1,700 |
| Core capital (leverage) ratio | 12.2810% | 1,488 |
| Tier 1 risk-based capital ratio | 17.0530% | 2,667 |
| Total risk-based capital ratio | 18.3145% | 2,613 |
| Memoranda: | ||
| Average total assets | $57,900,000 | 5,769 |
| Average earning assets | $54,986,500 | 5,703 |
| Average equity | $7,098,500 | 5,491 |
| Average total loans | $47,859,500 | 5,016 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0958% | 151 |
| Cost of funding earning assets | 0.9689% | 530 |
| Net interest margin | 5.1270% | 241 |
| Noninterest income to average assets | -0.0635% | 6,706 |
| Noninterest expense to average assets | 4.1771% | 713 |
| Loan and lease loss provision to assets | 0.0292% | 4,530 |
| Net operating income to assets | 0.3349% | 5,394 |
| Return on assets (ROA) | 0.3349% | 5,498 |
| Pretax return on assets | 0.5926% | 4,892 |
| Return on Equity (ROE) | 2.8144% | 5,577 |
| Retained earnings to average equity (ytd only) | 2.8144% | 4,241 |
| Net charge-offs to loans | -0.0169% | 6,112 |
| Credit loss provision to net charge-offs | -212.5000% | 5,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9363% | 1,320 |
| Assets per employee ($millions) | 2.6117% | 6,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0505% | 1,441 |
| Loan loss allowance to noncurrent loans | 37.7871% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 5.8112% | 338 |
| Noncurrent loans to loans | 5.4264% | 424 |
| Net loans and leases to total assets | 82.0565% | 410 |
| Net loans and leases to deposits | 94.1755% | 866 |
| Net loans and leases to core deposits | 111.6669% | 549 |
| Total domestic deposits to total assets | 87.1315% | 2,655 |
| Equity capital to assets | 12.2385% | 1,659 |
| Core capital (leverage) ratio | 12.2385% | 1,475 |
| Tier 1 risk-based capital ratio | 17.3394% | 2,477 |
| Total risk-based capital ratio | 18.6044% | 2,446 |
| Memoranda: | ||
| Average total assets | $58,222,400 | 5,804 |
| Average earning assets | $55,218,000 | 5,725 |
| Average equity | $6,928,600 | 5,585 |
| Average total loans | $47,258,000 | 5,055 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1057% | 146 |
| Cost of funding earning assets | 0.9827% | 541 |
| Net interest margin | 5.1230% | 245 |
| Noninterest income to average assets | -0.1872% | 6,832 |
| Noninterest expense to average assets | 4.1496% | 720 |
| Loan and lease loss provision to assets | 0.0388% | 4,232 |
| Net operating income to assets | 0.2830% | 5,670 |
| Return on assets (ROA) | 0.2830% | 5,781 |
| Pretax return on assets | 0.4793% | 5,420 |
| Return on Equity (ROE) | 2.3951% | 5,830 |
| Retained earnings to average equity (ytd only) | 2.3951% | 4,902 |
| Net charge-offs to loans | -0.0850% | 6,458 |
| Credit loss provision to net charge-offs | -56.6667% | 5,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8020% | 1,103 |
| Assets per employee ($millions) | 2.6546% | 6,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1077% | 1,486 |
| Loan loss allowance to noncurrent loans | 36.7845% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 5.8372% | 423 |
| Noncurrent loans to loans | 5.7297% | 464 |
| Net loans and leases to total assets | 80.2452% | 525 |
| Net loans and leases to deposits | 91.6888% | 1,005 |
| Net loans and leases to core deposits | 114.2690% | 441 |
| Total domestic deposits to total assets | 87.5190% | 2,402 |
| Equity capital to assets | 11.9193% | 1,971 |
| Core capital (leverage) ratio | 11.9193% | 1,721 |
| Tier 1 risk-based capital ratio | 17.3232% | 2,571 |
| Total risk-based capital ratio | 18.5900% | 2,540 |
| Memoranda: | ||
| Average total assets | $58,413,500 | 5,862 |
| Average earning assets | $55,356,500 | 5,777 |
| Average equity | $6,902,750 | 5,667 |
| Average total loans | $47,038,750 | 5,112 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0505% | 169 |
| Cost of funding earning assets | 0.9843% | 584 |
| Net interest margin | 5.0662% | 276 |
| Noninterest income to average assets | 0.1404% | 6,349 |
| Noninterest expense to average assets | 4.2419% | 661 |
| Loan and lease loss provision to assets | 0.0582% | 3,844 |
| Net operating income to assets | 0.3732% | 5,319 |
| Return on assets (ROA) | 0.3732% | 5,487 |
| Pretax return on assets | 0.6334% | 4,902 |
| Return on Equity (ROE) | 3.1671% | 5,559 |
| Retained earnings to average equity (ytd only) | 3.1671% | 4,299 |
| Net charge-offs to loans | 0.1283% | 3,097 |
| Credit loss provision to net charge-offs | 56.6667% | 3,082 |
| Earnings coverage of net charge-offs (x) | 6.7333% | 2,665 |
| Efficiency ratio | 85.8432% | 1,427 |
| Assets per employee ($millions) | 2.6493% | 6,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0026% | 1,841 |
| Loan loss allowance to noncurrent loans | 31.9206% | 5,946 |
| Noncurrent assets plus other real estate owned to assets | 6.5284% | 382 |
| Noncurrent loans to loans | 6.2737% | 421 |
| Net loans and leases to total assets | 79.6771% | 567 |
| Net loans and leases to deposits | 90.9730% | 1,056 |
| Net loans and leases to core deposits | 108.1184% | 645 |
| Total domestic deposits to total assets | 87.5832% | 2,500 |
| Equity capital to assets | 11.9175% | 1,967 |
| Core capital (leverage) ratio | 11.9175% | 1,658 |
| Tier 1 risk-based capital ratio | 17.3602% | 2,570 |
| Total risk-based capital ratio | 18.6249% | 2,535 |
| Memoranda: | ||
| Average total assets | $58,417,670 | 5,899 |
| Average earning assets | $55,268,000 | 5,814 |
| Average equity | $6,883,330 | 5,713 |
| Average total loans | $46,760,670 | 5,149 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8865% | 201 |
| Cost of funding earning assets | 1.0137% | 572 |
| Net interest margin | 4.8728% | 353 |
| Noninterest income to average assets | 0.0616% | 6,694 |
| Noninterest expense to average assets | 4.1994% | 717 |
| Loan and lease loss provision to assets | 0.1163% | 2,781 |
| Net operating income to assets | 0.2052% | 5,873 |
| Return on assets (ROA) | 0.2052% | 5,985 |
| Pretax return on assets | 0.3488% | 5,724 |
| Return on Equity (ROE) | 1.7513% | 6,014 |
| Retained earnings to average equity (ytd only) | 1.7513% | 5,113 |
| Net charge-offs to loans | 0.4564% | 1,305 |
| Credit loss provision to net charge-offs | 32.0755% | 2,859 |
| Earnings coverage of net charge-offs (x) | 1.2830% | 3,400 |
| Efficiency ratio | 89.8827% | 1,155 |
| Assets per employee ($millions) | 2.5846% | 6,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0352% | 1,956 |
| Loan loss allowance to noncurrent loans | 30.2485% | 6,021 |
| Noncurrent assets plus other real estate owned to assets | 6.9169% | 412 |
| Noncurrent loans to loans | 6.7281% | 459 |
| Net loans and leases to total assets | 78.3067% | 582 |
| Net loans and leases to deposits | 89.4222% | 1,013 |
| Net loans and leases to core deposits | 111.3930% | 452 |
| Total domestic deposits to total assets | 87.5697% | 2,589 |
| Equity capital to assets | 12.0768% | 1,989 |
| Core capital (leverage) ratio | 12.0768% | 1,523 |
| Tier 1 risk-based capital ratio | 18.1178% | 2,312 |
| Total risk-based capital ratio | 19.3816% | 2,272 |
| Memoranda: | ||
| Average total assets | $58,484,500 | 5,947 |
| Average earning assets | $55,245,500 | 5,867 |
| Average equity | $6,852,000 | 5,779 |
| Average total loans | $46,447,000 | 5,202 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3793% | 149 |
| Cost of funding earning assets | 1.1594% | 703 |
| Net interest margin | 5.2199% | 264 |
| Noninterest income to average assets | -0.2095% | 6,966 |
| Noninterest expense to average assets | 4.2265% | 744 |
| Loan and lease loss provision to assets | 0.3530% | 1,894 |
| Net operating income to assets | 0.0379% | 6,104 |
| Return on assets (ROA) | 0.0379% | 6,248 |
| Pretax return on assets | 0.1056% | 6,149 |
| Return on Equity (ROE) | 0.3376% | 6,253 |
| Retained earnings to average equity (ytd only) | 0.3376% | 5,683 |
| Net charge-offs to loans | 0.7482% | 1,569 |
| Credit loss provision to net charge-offs | 55.4404% | 4,566 |
| Earnings coverage of net charge-offs (x) | 0.7202% | 5,122 |
| Efficiency ratio | 90.0352% | 1,070 |
| Assets per employee ($millions) | 2.7322% | 6,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0277% | 1,945 |
| Loan loss allowance to noncurrent loans | 28.4868% | 6,122 |
| Noncurrent assets plus other real estate owned to assets | 7.0091% | 438 |
| Noncurrent loans to loans | 7.1180% | 443 |
| Net loans and leases to total assets | 77.3291% | 757 |
| Net loans and leases to deposits | 87.5332% | 1,328 |
| Net loans and leases to core deposits | 114.1030% | 415 |
| Total domestic deposits to total assets | 88.3426% | 2,001 |
| Equity capital to assets | 11.3745% | 2,563 |
| Core capital (leverage) ratio | 11.3745% | 1,957 |
| Tier 1 risk-based capital ratio | 17.0963% | 2,603 |
| Total risk-based capital ratio | 18.3616% | 2,566 |
| Memoranda: | ||
| Average total assets | $60,617,200 | 5,909 |
| Average earning assets | $56,840,200 | 5,841 |
| Average equity | $6,813,000 | 5,813 |
| Average total loans | $51,592,800 | 5,038 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4754% | 145 |
| Cost of funding earning assets | 1.1938% | 714 |
| Net interest margin | 5.2816% | 250 |
| Noninterest income to average assets | -0.0812% | 7,011 |
| Noninterest expense to average assets | 4.1857% | 731 |
| Loan and lease loss provision to assets | 0.6870% | 746 |
| Net operating income to assets | -0.0066% | 6,293 |
| Return on assets (ROA) | -0.0066% | 6,416 |
| Pretax return on assets | -0.0110% | 6,405 |
| Return on Equity (ROE) | -0.0588% | 6,415 |
| Retained earnings to average equity (ytd only) | -0.0588% | 6,089 |
| Net charge-offs to loans | 1.1603% | 865 |
| Credit loss provision to net charge-offs | 68.3406% | 3,951 |
| Earnings coverage of net charge-offs (x) | 0.6725% | 4,990 |
| Efficiency ratio | 85.9142% | 1,388 |
| Assets per employee ($millions) | 2.4648% | 6,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9734% | 2,249 |
| Loan loss allowance to noncurrent loans | 28.8462% | 6,170 |
| Noncurrent assets plus other real estate owned to assets | 7.6393% | 423 |
| Noncurrent loans to loans | 6.8412% | 543 |
| Net loans and leases to total assets | 83.1324% | 273 |
| Net loans and leases to deposits | 94.2684% | 770 |
| Net loans and leases to core deposits | 123.5479% | 256 |
| Total domestic deposits to total assets | 88.1870% | 1,929 |
| Equity capital to assets | 11.5155% | 2,726 |
| Core capital (leverage) ratio | 11.5155% | 1,978 |
| Tier 1 risk-based capital ratio | 15.9509% | 3,291 |
| Total risk-based capital ratio | 17.2130% | 3,254 |
| Memoranda: | ||
| Average total assets | $60,744,500 | 5,972 |
| Average earning assets | $56,849,750 | 5,911 |
| Average equity | $6,807,000 | 5,882 |
| Average total loans | $52,630,250 | 5,044 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5157% | 143 |
| Cost of funding earning assets | 1.2263% | 730 |
| Net interest margin | 5.2894% | 248 |
| Noninterest income to average assets | -0.0326% | 7,039 |
| Noninterest expense to average assets | 4.0670% | 870 |
| Loan and lease loss provision to assets | 1.0249% | 428 |
| Net operating income to assets | -0.1110% | 6,450 |
| Return on assets (ROA) | -0.1110% | 6,545 |
| Pretax return on assets | -0.1828% | 6,581 |
| Return on Equity (ROE) | -0.9992% | 6,546 |
| Retained earnings to average equity (ytd only) | -0.9992% | 6,212 |
| Net charge-offs to loans | 1.5416% | 632 |
| Credit loss provision to net charge-offs | 76.2136% | 3,428 |
| Earnings coverage of net charge-offs (x) | 0.6262% | 4,750 |
| Efficiency ratio | 82.7128% | 1,786 |
| Assets per employee ($millions) | 2.3065% | 6,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9553% | 2,357 |
| Loan loss allowance to noncurrent loans | 29.7189% | 6,172 |
| Noncurrent assets plus other real estate owned to assets | 7.1922% | 532 |
| Noncurrent loans to loans | 6.5795% | 630 |
| Net loans and leases to total assets | 86.6245% | 116 |
| Net loans and leases to deposits | 97.9522% | 531 |
| Net loans and leases to core deposits | 135.0852% | 174 |
| Total domestic deposits to total assets | 88.4355% | 1,860 |
| Equity capital to assets | 11.3077% | 2,780 |
| Core capital (leverage) ratio | 11.3077% | 2,040 |
| Tier 1 risk-based capital ratio | 15.3851% | 3,513 |
| Total risk-based capital ratio | 16.6489% | 3,467 |
| Memoranda: | ||
| Average total assets | $61,274,330 | 5,999 |
| Average earning assets | $57,246,330 | 5,933 |
| Average equity | $6,805,330 | 5,905 |
| Average total loans | $53,451,330 | 5,050 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9249% | 95 |
| Cost of funding earning assets | 1.2641% | 732 |
| Net interest margin | 5.6608% | 148 |
| Noninterest income to average assets | 0.3617% | 4,986 |
| Noninterest expense to average assets | 3.6236% | 1,515 |
| Loan and lease loss provision to assets | 1.6213% | 207 |
| Net operating income to assets | 0.2261% | 5,903 |
| Return on assets (ROA) | 0.2261% | 6,048 |
| Pretax return on assets | 0.3811% | 5,780 |
| Return on Equity (ROE) | 2.0535% | 6,060 |
| Retained earnings to average equity (ytd only) | 2.0535% | 5,246 |
| Net charge-offs to loans | 2.6376% | 302 |
| Credit loss provision to net charge-offs | 70.9040% | 2,894 |
| Earnings coverage of net charge-offs (x) | 0.8757% | 3,891 |
| Efficiency ratio | 64.4087% | 4,852 |
| Assets per employee ($millions) | 2.5790% | 6,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9230% | 2,607 |
| Loan loss allowance to noncurrent loans | 35.2358% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 6.8664% | 633 |
| Noncurrent loans to loans | 5.4574% | 979 |
| Net loans and leases to total assets | 84.9554% | 154 |
| Net loans and leases to deposits | 95.8373% | 550 |
| Net loans and leases to core deposits | 129.6993% | 205 |
| Total domestic deposits to total assets | 88.6455% | 1,923 |
| Equity capital to assets | 11.0653% | 2,829 |
| Core capital (leverage) ratio | 11.0653% | 2,209 |
| Tier 1 risk-based capital ratio | 15.0036% | 3,761 |
| Total risk-based capital ratio | 16.2654% | 3,709 |
| Memoranda: | ||
| Average total assets | $61,927,500 | 6,010 |
| Average earning assets | $57,589,000 | 5,955 |
| Average equity | $6,817,500 | 5,927 |
| Average total loans | $53,685,500 | 5,083 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9196% | 106 |
| Cost of funding earning assets | 1.4498% | 858 |
| Net interest margin | 5.4698% | 188 |
| Noninterest income to average assets | 0.5644% | 3,397 |
| Noninterest expense to average assets | 3.4725% | 2,056 |
| Loan and lease loss provision to assets | 1.8205% | 358 |
| Net operating income to assets | 0.2035% | 5,582 |
| Return on assets (ROA) | 0.2035% | 5,709 |
| Pretax return on assets | 0.3403% | 5,450 |
| Return on Equity (ROE) | 1.8862% | 5,702 |
| Retained earnings to average equity (ytd only) | 1.1347% | 5,325 |
| Net charge-offs to loans | 1.5800% | 1,002 |
| Credit loss provision to net charge-offs | 129.0868% | 2,379 |
| Earnings coverage of net charge-offs (x) | 1.5321% | 4,628 |
| Efficiency ratio | 61.6427% | 5,511 |
| Assets per employee ($millions) | 2.5816% | 6,748 |
| Cash dividends to net income (ytd only)* | 39.8438% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9886% | 2,313 |
| Loan loss allowance to noncurrent loans | 33.2400% | 5,990 |
| Noncurrent assets plus other real estate owned to assets | 7.7003% | 552 |
| Noncurrent loans to loans | 5.9826% | 834 |
| Net loans and leases to total assets | 85.0353% | 164 |
| Net loans and leases to deposits | 95.7702% | 685 |
| Net loans and leases to core deposits | 130.9319% | 231 |
| Total domestic deposits to total assets | 88.7910% | 1,663 |
| Equity capital to assets | 10.9524% | 3,027 |
| Core capital (leverage) ratio | 10.9524% | 2,308 |
| Tier 1 risk-based capital ratio | 14.4805% | 3,988 |
| Total risk-based capital ratio | 15.7438% | 3,957 |
| Memoranda: | ||
| Average total assets | $62,894,600 | 5,960 |
| Average earning assets | $58,284,000 | 5,921 |
| Average equity | $6,786,000 | 5,931 |
| Average total loans | $56,138,400 | 5,024 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9627% | 102 |
| Cost of funding earning assets | 1.4901% | 901 |
| Net interest margin | 5.4727% | 182 |
| Noninterest income to average assets | 0.5533% | 3,494 |
| Noninterest expense to average assets | 3.5144% | 1,907 |
| Loan and lease loss provision to assets | 2.0550% | 257 |
| Net operating income to assets | 0.0338% | 6,103 |
| Return on assets (ROA) | 0.0338% | 6,198 |
| Pretax return on assets | 0.0570% | 6,150 |
| Return on Equity (ROE) | 0.3143% | 6,193 |
| Retained earnings to average equity (ytd only) | -0.6877% | 6,099 |
| Net charge-offs to loans | 1.6827% | 823 |
| Credit loss provision to net charge-offs | 135.8939% | 2,350 |
| Earnings coverage of net charge-offs (x) | 1.3967% | 4,581 |
| Efficiency ratio | 62.4625% | 5,341 |
| Assets per employee ($millions) | 2.8540% | 6,393 |
| Cash dividends to net income (ytd only)* | 318.7998% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9516% | 2,469 |
| Loan loss allowance to noncurrent loans | 126.2411% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 3.7285% | 1,672 |
| Noncurrent loans to loans | 1.5460% | 3,963 |
| Net loans and leases to total assets | 85.4556% | 144 |
| Net loans and leases to deposits | 95.9393% | 700 |
| Net loans and leases to core deposits | 130.3857% | 244 |
| Total domestic deposits to total assets | 89.0726% | 1,389 |
| Equity capital to assets | 10.6296% | 3,538 |
| Core capital (leverage) ratio | 10.6296% | 2,726 |
| Tier 1 risk-based capital ratio | 13.7901% | 4,507 |
| Total risk-based capital ratio | 15.0402% | 4,472 |
| Memoranda: | ||
| Average total assets | $63,128,500 | 5,998 |
| Average earning assets | $58,519,750 | 5,955 |
| Average equity | $6,786,000 | 5,970 |
| Average total loans | $56,734,000 | 5,047 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9274% | 115 |
| Cost of funding earning assets | 1.5097% | 974 |
| Net interest margin | 5.4178% | 203 |
| Noninterest income to average assets | 0.6483% | 2,855 |
| Noninterest expense to average assets | 3.5071% | 1,961 |
| Loan and lease loss provision to assets | 0.8539% | 1,056 |
| Net operating income to assets | 0.7969% | 3,095 |
| Return on assets (ROA) | 0.7969% | 3,218 |
| Pretax return on assets | 1.3377% | 2,008 |
| Return on Equity (ROE) | 7.3864% | 3,247 |
| Retained earnings to average equity (ytd only) | 6.3898% | 2,197 |
| Net charge-offs to loans | 0.9825% | 1,601 |
| Credit loss provision to net charge-offs | 95.7447% | 3,282 |
| Earnings coverage of net charge-offs (x) | 2.4574% | 3,591 |
| Efficiency ratio | 61.5427% | 5,651 |
| Assets per employee ($millions) | 2.9638% | 6,157 |
| Cash dividends to net income (ytd only)* | 13.4921% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4576% | 4,303 |
| Loan loss allowance to noncurrent loans | 49.8791% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 4.8442% | 1,277 |
| Noncurrent loans to loans | 2.9223% | 2,496 |
| Net loans and leases to total assets | 89.6128% | 46 |
| Net loans and leases to deposits | 101.1516% | 441 |
| Net loans and leases to core deposits | 137.3160% | 205 |
| Total domestic deposits to total assets | 88.5925% | 1,789 |
| Equity capital to assets | 11.1311% | 2,834 |
| Core capital (leverage) ratio | 11.1311% | 2,153 |
| Tier 1 risk-based capital ratio | 13.9770% | 4,186 |
| Total risk-based capital ratio | 15.2319% | 4,159 |
| Memoranda: | ||
| Average total assets | $63,242,330 | 6,039 |
| Average earning assets | $58,954,000 | 5,988 |
| Average equity | $6,823,330 | 5,976 |
| Average total loans | $57,404,330 | 5,066 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9085% | 124 |
| Cost of funding earning assets | 1.5024% | 1,153 |
| Net interest margin | 5.4061% | 192 |
| Noninterest income to average assets | 0.7216% | 2,437 |
| Noninterest expense to average assets | 3.4639% | 2,106 |
| Loan and lease loss provision to assets | 0.8471% | 975 |
| Net operating income to assets | 0.8722% | 2,695 |
| Return on assets (ROA) | 0.8722% | 2,751 |
| Pretax return on assets | 1.4684% | 1,541 |
| Return on Equity (ROE) | 8.2115% | 2,826 |
| Retained earnings to average equity (ytd only) | 7.2072% | 2,066 |
| Net charge-offs to loans | 1.5431% | 881 |
| Credit loss provision to net charge-offs | 60.5381% | 3,537 |
| Earnings coverage of net charge-offs (x) | 1.6547% | 3,484 |
| Efficiency ratio | 59.9349% | 5,990 |
| Assets per employee ($millions) | 3.1784% | 5,767 |
| Cash dividends to net income (ytd only)* | 12.2302% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 5,084 |
| Loan loss allowance to noncurrent loans | 35.6158% | 5,921 |
| Noncurrent assets plus other real estate owned to assets | 4.5495% | 1,421 |
| Noncurrent loans to loans | 3.6773% | 2,004 |
| Net loans and leases to total assets | 88.7866% | 65 |
| Net loans and leases to deposits | 99.7931% | 478 |
| Net loans and leases to core deposits | 139.7731% | 193 |
| Total domestic deposits to total assets | 88.9707% | 1,794 |
| Equity capital to assets | 10.7477% | 2,932 |
| Core capital (leverage) ratio | 10.7477% | 2,399 |
| Tier 1 risk-based capital ratio | 13.4000% | 4,501 |
| Total risk-based capital ratio | 14.6533% | 4,484 |
| Memoranda: | ||
| Average total assets | $63,743,500 | 6,068 |
| Average earning assets | $59,636,500 | 6,010 |
| Average equity | $6,771,000 | 5,997 |
| Average total loans | $57,806,500 | 5,094 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0118% | 147 |
| Cost of funding earning assets | 1.8490% | 1,005 |
| Net interest margin | 5.1627% | 310 |
| Noninterest income to average assets | 0.5587% | 3,759 |
| Noninterest expense to average assets | 3.6092% | 1,900 |
| Loan and lease loss provision to assets | 1.3480% | 1,128 |
| Net operating income to assets | 0.2337% | 5,166 |
| Return on assets (ROA) | 0.2337% | 5,316 |
| Pretax return on assets | 0.4241% | 4,871 |
| Return on Equity (ROE) | 2.2370% | 5,286 |
| Retained earnings to average equity (ytd only) | 1.9851% | 4,476 |
| Net charge-offs to loans | 1.1431% | 1,948 |
| Credit loss provision to net charge-offs | 130.3892% | 3,044 |
| Earnings coverage of net charge-offs (x) | 1.7141% | 4,434 |
| Efficiency ratio | 67.0693% | 4,752 |
| Assets per employee ($millions) | 3.1960% | 5,679 |
| Cash dividends to net income (ytd only)* | 11.2583% | 3,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4326% | 4,365 |
| Loan loss allowance to noncurrent loans | 30.1404% | 6,283 |
| Noncurrent assets plus other real estate owned to assets | 5.8605% | 1,031 |
| Noncurrent loans to loans | 4.7531% | 1,457 |
| Net loans and leases to total assets | 90.0939% | 57 |
| Net loans and leases to deposits | 100.9483% | 529 |
| Net loans and leases to core deposits | 141.6122% | 217 |
| Total domestic deposits to total assets | 89.2475% | 1,515 |
| Equity capital to assets | 10.4975% | 3,158 |
| Core capital (leverage) ratio | 10.4975% | 2,559 |
| Tier 1 risk-based capital ratio | 12.8284% | 4,746 |
| Total risk-based capital ratio | 14.0825% | 4,709 |
| Memoranda: | ||
| Average total assets | $64,613,400 | 6,043 |
| Average earning assets | $60,355,800 | 5,983 |
| Average equity | $6,750,200 | 6,122 |
| Average total loans | $58,437,400 | 5,134 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0809% | 134 |
| Cost of funding earning assets | 1.8749% | 1,117 |
| Net interest margin | 5.2060% | 292 |
| Noninterest income to average assets | 0.5371% | 3,894 |
| Noninterest expense to average assets | 3.3669% | 2,379 |
| Loan and lease loss provision to assets | 0.7409% | 2,061 |
| Net operating income to assets | 0.7656% | 3,157 |
| Return on assets (ROA) | 0.7656% | 3,308 |
| Pretax return on assets | 1.2924% | 2,195 |
| Return on Equity (ROE) | 7.3369% | 3,184 |
| Retained earnings to average equity (ytd only) | 7.3369% | 1,679 |
| Net charge-offs to loans | 0.1985% | 4,757 |
| Credit loss provision to net charge-offs | 413.7931% | 727 |
| Earnings coverage of net charge-offs (x) | 11.3560% | 1,800 |
| Efficiency ratio | 62.3476% | 5,552 |
| Assets per employee ($millions) | 3.3044% | 5,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 3,826 |
| Loan loss allowance to noncurrent loans | 55.2102% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 3.8585% | 1,831 |
| Noncurrent loans to loans | 2.7720% | 2,869 |
| Net loans and leases to total assets | 88.2066% | 105 |
| Net loans and leases to deposits | 98.8369% | 737 |
| Net loans and leases to core deposits | 136.8147% | 292 |
| Total domestic deposits to total assets | 89.2446% | 1,254 |
| Equity capital to assets | 10.5133% | 3,494 |
| Core capital (leverage) ratio | 10.5133% | 2,673 |
| Tier 1 risk-based capital ratio | 13.0919% | 4,506 |
| Total risk-based capital ratio | 14.3468% | 4,475 |
| Memoranda: | ||
| Average total assets | $64,786,750 | 6,110 |
| Average earning assets | $60,518,250 | 6,047 |
| Average equity | $6,760,250 | 6,196 |
| Average total loans | $58,440,500 | 5,207 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1917% | 123 |
| Cost of funding earning assets | 1.9395% | 1,079 |
| Net interest margin | 5.2521% | 266 |
| Noninterest income to average assets | 0.5470% | 3,738 |
| Noninterest expense to average assets | 3.3782% | 2,322 |
| Loan and lease loss provision to assets | 0.6993% | 2,079 |
| Net operating income to assets | 0.8112% | 2,920 |
| Return on assets (ROA) | 0.8112% | 3,067 |
| Pretax return on assets | 1.3675% | 1,906 |
| Return on Equity (ROE) | 7.7938% | 2,968 |
| Retained earnings to average equity (ytd only) | 7.7938% | 1,513 |
| Net charge-offs to loans | -0.4503% | 7,723 |
| Credit loss provision to net charge-offs | -171.7557% | 6,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0434% | 5,683 |
| Assets per employee ($millions) | 3.1383% | 5,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7134% | 3,024 |
| Loan loss allowance to noncurrent loans | 165.9396% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 2.4759% | 2,905 |
| Noncurrent loans to loans | 1.0326% | 5,241 |
| Net loans and leases to total assets | 90.3865% | 67 |
| Net loans and leases to deposits | 101.6630% | 608 |
| Net loans and leases to core deposits | 137.4688% | 313 |
| Total domestic deposits to total assets | 88.9080% | 1,491 |
| Equity capital to assets | 10.8928% | 2,976 |
| Core capital (leverage) ratio | 10.8928% | 2,331 |
| Tier 1 risk-based capital ratio | 13.3184% | 4,195 |
| Total risk-based capital ratio | 14.5768% | 4,143 |
| Memoranda: | ||
| Average total assets | $64,353,000 | 6,168 |
| Average earning assets | $60,014,000 | 6,101 |
| Average equity | $6,697,670 | 6,238 |
| Average total loans | $58,187,330 | 5,262 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0518% | 162 |
| Cost of funding earning assets | 1.9979% | 1,091 |
| Net interest margin | 5.0539% | 375 |
| Noninterest income to average assets | 0.2824% | 5,883 |
| Noninterest expense to average assets | 3.4016% | 2,232 |
| Loan and lease loss provision to assets | 0.5526% | 2,291 |
| Net operating income to assets | 0.6263% | 3,774 |
| Return on assets (ROA) | 0.6263% | 3,903 |
| Pretax return on assets | 1.0499% | 2,903 |
| Return on Equity (ROE) | 6.1557% | 3,795 |
| Retained earnings to average equity (ytd only) | 6.1557% | 2,546 |
| Net charge-offs to loans | 0.9312% | 1,725 |
| Credit loss provision to net charge-offs | 66.1765% | 4,178 |
| Earnings coverage of net charge-offs (x) | 1.9191% | 3,582 |
| Efficiency ratio | 67.9755% | 4,729 |
| Assets per employee ($millions) | 3.2069% | 5,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 6,408 |
| Loan loss allowance to noncurrent loans | 65.7335% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 2.8626% | 2,523 |
| Noncurrent loans to loans | 1.5373% | 4,444 |
| Net loans and leases to total assets | 89.6520% | 78 |
| Net loans and leases to deposits | 107.4986% | 362 |
| Net loans and leases to core deposits | 139.2242% | 337 |
| Total domestic deposits to total assets | 83.3983% | 4,427 |
| Equity capital to assets | 10.4135% | 3,329 |
| Core capital (leverage) ratio | 10.4135% | 2,706 |
| Tier 1 risk-based capital ratio | 12.8041% | 4,477 |
| Total risk-based capital ratio | 13.9294% | 4,545 |
| Memoranda: | ||
| Average total assets | $65,146,500 | 6,204 |
| Average earning assets | $60,863,500 | 6,138 |
| Average equity | $6,628,000 | 6,311 |
| Average total loans | $58,420,500 | 5,319 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2498% | 189 |
| Cost of funding earning assets | 2.6695% | 632 |
| Net interest margin | 4.5803% | 1,019 |
| Noninterest income to average assets | 0.6993% | 2,987 |
| Noninterest expense to average assets | 3.4123% | 2,635 |
| Loan and lease loss provision to assets | 0.4591% | 4,073 |
| Net operating income to assets | 0.6182% | 3,264 |
| Return on assets (ROA) | 0.6182% | 3,333 |
| Pretax return on assets | 1.0497% | 2,413 |
| Return on Equity (ROE) | 6.3375% | 3,060 |
| Retained earnings to average equity (ytd only) | 6.3375% | 1,207 |
| Net charge-offs to loans | 0.5833% | 3,468 |
| Credit loss provision to net charge-offs | 87.2093% | 6,096 |
| Earnings coverage of net charge-offs (x) | 2.8663% | 3,655 |
| Efficiency ratio | 69.3408% | 4,763 |
| Assets per employee ($millions) | 3.4818% | 5,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 5,386 |
| Loan loss allowance to noncurrent loans | 75.4292% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 3.4344% | 1,958 |
| Noncurrent loans to loans | 1.5863% | 4,275 |
| Net loans and leases to total assets | 87.7485% | 185 |
| Net loans and leases to deposits | 104.5136% | 624 |
| Net loans and leases to core deposits | 133.3563% | 1,093 |
| Total domestic deposits to total assets | 83.9589% | 4,043 |
| Equity capital to assets | 9.9418% | 3,847 |
| Core capital (leverage) ratio | 9.9418% | 3,149 |
| Tier 1 risk-based capital ratio | 12.3294% | 4,651 |
| Total risk-based capital ratio | 13.5798% | 4,613 |
| Memoranda: | ||
| Average total assets | $65,351,000 | 6,157 |
| Average earning assets | $60,236,200 | 6,116 |
| Average equity | $6,374,800 | 6,473 |
| Average total loans | $58,976,000 | 5,301 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3094% | 187 |
| Cost of funding earning assets | 2.8045% | 587 |
| Net interest margin | 4.5049% | 1,184 |
| Noninterest income to average assets | 0.7613% | 2,644 |
| Noninterest expense to average assets | 3.3706% | 2,665 |
| Loan and lease loss provision to assets | 0.4605% | 3,610 |
| Net operating income to assets | 0.6365% | 3,468 |
| Return on assets (ROA) | 0.6365% | 3,536 |
| Pretax return on assets | 1.0724% | 2,664 |
| Return on Equity (ROE) | 6.5567% | 3,280 |
| Retained earnings to average equity (ytd only) | 6.5567% | 1,682 |
| Net charge-offs to loans | 0.3953% | 3,687 |
| Credit loss provision to net charge-offs | 128.5714% | 3,898 |
| Earnings coverage of net charge-offs (x) | 4.2799% | 3,191 |
| Efficiency ratio | 68.7396% | 4,835 |
| Assets per employee ($millions) | 3.3121% | 5,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 4,120 |
| Loan loss allowance to noncurrent loans | 259.6091% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 3.2245% | 2,104 |
| Noncurrent loans to loans | 0.5270% | 6,251 |
| Net loans and leases to total assets | 86.7426% | 293 |
| Net loans and leases to deposits | 103.0488% | 841 |
| Net loans and leases to core deposits | 132.8156% | 1,284 |
| Total domestic deposits to total assets | 84.1762% | 3,643 |
| Equity capital to assets | 9.7884% | 4,364 |
| Core capital (leverage) ratio | 9.7884% | 3,531 |
| Tier 1 risk-based capital ratio | 12.2139% | 4,778 |
| Total risk-based capital ratio | 13.4666% | 4,724 |
| Memoranda: | ||
| Average total assets | $65,150,000 | 6,205 |
| Average earning assets | $59,903,000 | 6,173 |
| Average equity | $6,324,250 | 6,547 |
| Average total loans | $59,031,750 | 5,337 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3834% | 181 |
| Cost of funding earning assets | 2.8779% | 643 |
| Net interest margin | 4.5056% | 1,158 |
| Noninterest income to average assets | 0.6267% | 3,486 |
| Noninterest expense to average assets | 3.4236% | 2,558 |
| Loan and lease loss provision to assets | 0.4013% | 3,515 |
| Net operating income to assets | 0.5495% | 3,883 |
| Return on assets (ROA) | 0.5495% | 4,003 |
| Pretax return on assets | 0.9292% | 3,244 |
| Return on Equity (ROE) | 5.6769% | 3,793 |
| Retained earnings to average equity (ytd only) | 5.6769% | 2,169 |
| Net charge-offs to loans | 0.4857% | 2,886 |
| Credit loss provision to net charge-offs | 90.2778% | 4,917 |
| Earnings coverage of net charge-offs (x) | 2.9931% | 3,612 |
| Efficiency ratio | 72.0130% | 4,407 |
| Assets per employee ($millions) | 3.2922% | 5,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 4,702 |
| Loan loss allowance to noncurrent loans | 210.6322% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 3.0785% | 2,042 |
| Noncurrent loans to loans | 0.5865% | 6,081 |
| Net loans and leases to total assets | 88.9952% | 185 |
| Net loans and leases to deposits | 105.6505% | 785 |
| Net loans and leases to core deposits | 137.6994% | 1,118 |
| Total domestic deposits to total assets | 84.2355% | 3,629 |
| Equity capital to assets | 9.6440% | 4,436 |
| Core capital (leverage) ratio | 9.6440% | 3,712 |
| Tier 1 risk-based capital ratio | 11.8545% | 5,041 |
| Total risk-based capital ratio | 13.1053% | 4,955 |
| Memoranda: | ||
| Average total assets | $64,786,000 | 6,268 |
| Average earning assets | $59,349,000 | 6,260 |
| Average equity | $6,271,000 | 6,615 |
| Average total loans | $59,290,000 | 5,367 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3413% | 211 |
| Cost of funding earning assets | 2.9003% | 768 |
| Net interest margin | 4.4409% | 1,248 |
| Noninterest income to average assets | 0.7719% | 2,474 |
| Noninterest expense to average assets | 3.2993% | 2,658 |
| Loan and lease loss provision to assets | 0.3424% | 3,273 |
| Net operating income to assets | 0.7408% | 3,387 |
| Return on assets (ROA) | 0.7408% | 3,568 |
| Pretax return on assets | 1.2575% | 2,425 |
| Return on Equity (ROE) | 7.6386% | 3,310 |
| Retained earnings to average equity (ytd only) | 7.6386% | 1,959 |
| Net charge-offs to loans | 0.9111% | 1,448 |
| Credit loss provision to net charge-offs | 40.7407% | 4,812 |
| Earnings coverage of net charge-offs (x) | 1.9037% | 3,766 |
| Efficiency ratio | 67.3443% | 5,072 |
| Assets per employee ($millions) | 3.2505% | 5,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 5,306 |
| Loan loss allowance to noncurrent loans | 93.0362% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 3.1565% | 1,773 |
| Noncurrent loans to loans | 1.2071% | 4,556 |
| Net loans and leases to total assets | 90.4721% | 120 |
| Net loans and leases to deposits | 109.4314% | 646 |
| Net loans and leases to core deposits | 136.8746% | 1,251 |
| Total domestic deposits to total assets | 82.6747% | 4,298 |
| Equity capital to assets | 9.6771% | 4,416 |
| Core capital (leverage) ratio | 9.6771% | 3,786 |
| Tier 1 risk-based capital ratio | 11.8072% | 5,119 |
| Total risk-based capital ratio | 13.0572% | 5,033 |
| Memoranda: | ||
| Average total assets | $64,257,000 | 6,320 |
| Average earning assets | $59,717,000 | 6,274 |
| Average equity | $6,231,500 | 6,676 |
| Average total loans | $59,269,500 | 5,391 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5966% | 342 |
| Cost of funding earning assets | 3.3946% | 719 |
| Net interest margin | 4.2020% | 2,304 |
| Noninterest income to average assets | 0.7335% | 2,885 |
| Noninterest expense to average assets | 3.4333% | 2,569 |
| Loan and lease loss provision to assets | 0.5340% | 2,682 |
| Net operating income to assets | 0.4932% | 4,770 |
| Return on assets (ROA) | 0.4932% | 4,603 |
| Pretax return on assets | 0.8041% | 4,053 |
| Return on Equity (ROE) | 5.1834% | 4,291 |
| Retained earnings to average equity (ytd only) | 5.1834% | 1,914 |
| Net charge-offs to loans | 0.5165% | 2,293 |
| Credit loss provision to net charge-offs | 111.1111% | 4,847 |
| Earnings coverage of net charge-offs (x) | 2.7843% | 4,697 |
| Efficiency ratio | 71.9552% | 3,949 |
| Assets per employee ($millions) | 2.8866% | 6,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 4,011 |
| Loan loss allowance to noncurrent loans | 34.2805% | 6,445 |
| Noncurrent assets plus other real estate owned to assets | 4.0343% | 1,014 |
| Noncurrent loans to loans | 3.6948% | 1,362 |
| Net loans and leases to total assets | 91.8164% | 90 |
| Net loans and leases to deposits | 111.4918% | 738 |
| Net loans and leases to core deposits | 140.7794% | 1,223 |
| Total domestic deposits to total assets | 82.3526% | 4,059 |
| Equity capital to assets | 9.7189% | 4,401 |
| Core capital (leverage) ratio | 9.7189% | 3,746 |
| Tier 1 risk-based capital ratio | 11.8512% | 4,941 |
| Total risk-based capital ratio | 13.1032% | 4,843 |
| Memoranda: | ||
| Average total assets | $63,670,200 | 6,243 |
| Average earning assets | $61,185,000 | 6,125 |
| Average equity | $6,057,800 | 6,781 |
| Average total loans | $59,249,000 | 5,303 |